Category Archives: Elders

Medicare covers wheelchairs; you pay 20%

What is it like to have Medicare as your primary insurance, in particular for durable medical equipment, such as prostheses or wheelchairs? Shifting Forward Dear Shifting Forward, Medicare Part B does cover durable medical equipment, including prostheses and wheelchairs.  See Medicare.gov’s list.  “Part B” is Medicare’s coverage for physician services and other out-of-hospital items.  It […]

Health plan for non-citizens available “off exchange”

Interested in understanding if non US citizens (above 60 years old) can buy health insurance in the US; if so, what are the options & where to find these plans. Foreigner Dear Foreigner, You can buy insurance directly from a carrier, as a non-citizen.  You cannot go to the insurance exchange, since that is available […]

Affrordable Care Act: Medicare Part D donut hole disappearing

Why is there a doughnut hole in Medicare’s drug coverage? Puzzled Dear Puzzled, The doughnut hole design allows the program to manage its outlay for high-cost/ high-need members.  After the member has reached the doughnut hole, he or she is “back on the hook” for some of the drug costs.  Thus, the member has a […]

Affordable Care Act: when to go to the exchange, after divorce

If current medical coverage is provided as part of spouses retirement package until November of 2014 and a divorce is granted in October, when will I need to apply for marketplace insurance for myself?  I’m three years away from getting Medicare. Hoosier Stater Dear Hoosier Stater, You should look at your options now for a […]

Obamacare: husband turns 65, leaving wife on exchange plan

My husband and I are currently purchasing a plan through the Individual Marketplace. My husband turns 65 next month, and I turn 61 next month. Will I be able to keep our current plan with subsidies while my husband enrolls in Medicare? What are our options? Sofia in California Dear Sofia, When your husband enrolls […]

Affordable Care Act: after retirement, when to go to the exchange

I am a 63 year old female and live in Indiana.  If my husband retires from employment on August 1,2014 and employer health Insurance is given for 18 weeks, when will I be able to apply to the marketplace for insurance for coverage?  Would I apply for December 1,2014 for myself only? He has VA […]