Tag Archives: health reform

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 […]

Obamacare: obese adults get special services

Obamacare/Affordable Care Act has a provision to allow obese individuals extra paid visits to providers to help them lose weight.  What providers other than General Practice doctors will be allowed to give these services? Getting Slimmer Dear Getting Slimmer, The service you describe is for adults age 18 or older whose BMI or waist circumference […]

Obamacare: domestic partner can go to exchange, but no subsidies

  I’m 51, live in Nevada, and am currently covered through my partners insurance under the domestic partner benefits. The cost for covering me is very expensive. Since we are not married am I still able to secure Obamacare for myself even if I am able to receive domestic partner benefits through my partner? I […]

Obamacare: subsidies offered under 400% of Federal Poverty

In order to qualify for any subsidies, what is the maximum adjustable income amount for 64 year old divorced woman? Indiana Gal Dear Indiana Gal, You would qualify for subsidies from the exchange if your Modified Adjusted Gross Income is less than 400% of Federal Poverty.  For a household of one person, that would be […]

Obamacare: taking COBRA or an exchange plan

If I get sick and can no longer work, can I get COBRA? Queasy Dear Queasy, During your sick leave, you will generally still be considered an employee.  The length of time that you will remain an employee varies by your employer’s own policy.  Therefore, COBRA would not be offered.  Once you are terminated, then […]

Affordable Care Act: how your income affects your plan options

How does one’s social economic status affect one’s health insurance options in the United States? Curious Dear Curious, With health reform (also known as Obamacare, or the Affordable Care Act), a person’s income affects how much he pays for his own health insurance.  The person is still free to choose a plan that suits him, […]