Tag Archives: health reform

Obamacare: Entrepreneurs and consultants get coverage, but not in Africa

I’m a young adult and recent graduate from college. Post graduation, I took a consultancy job in Africa until May of next year. I’m curious how consultants and entrepreneurs go about health insurance as it is certainly not offered by your line of work. Should I go the international insurance option? Or should I pay […]

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: no reasonable way to estimate saved or lost lives

Has anyone estimated the lives saved or lost under the Affordable Care Act relative to the healthcare situation before it was passed? Lives could be saved due to the increased number of Americans covered, the increased quality of the plans, or coverage for Americans with pre-existing conditions. Lives could be lost due to negative changes […]

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: COBRA on offer, can still go to exchange

I just lost my health insurance through my employer, who is now offering me COBRA.  Does this disqualify me for subsidies through the insurance marketplace? In Limbo Dear In Limbo, You will still qualify for subsidized health insurance from the exchange, while your COBRA offer is still on the table (i.e. for the 18 months).  […]

Obamacare: did not change Medigap plans

I have a friend whose husband is dying.  He is getting a lot of medical care, including stuff that Medicare does not cover.  It’s costing them a lot of money.  They are both in their 70′s, retired to New Mexico, and never bought a Medicare supplemental plan.  Can they buy one now?  And would his […]

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 […]

Obamacare: can specialists refuse to treat me?

Do uniquely qualified specialists have the right to refuse to treat a patient who has name brand private sector insurance, just because the policy was purchased on the health insurance exchange? Special Case Dear Special Case, If the specialist accepts patients with insurance from that insurer, he or she would not be able to reject […]