Julie Rehmeyer's 'Through the Shadowlands'
Writer Never Give Up talks about Julie Rehmeyer's new book "Through the Shadowlands: A Science Writer's Odyssey into an Illness Science Doesn't Understand" and shares an interview with Julie ...
Discuss the article on the Forums.

Medicare Premiums up for some.

Discussion in 'Other Health News and Research' started by minkeygirl, Oct 12, 2015.

  1. minkeygirl

    minkeygirl But I Look So Good.

    Messages:
    4,678
    Likes:
    4,639
    Left Coast
  2. Ema

    Ema Senior Member

    Messages:
    4,276
    Likes:
    5,979
    Midwest USA
    Why is it every time Medicare comes up, I only see a bunch of words that don't seem to make any sense together?

    "Hold harmless", whaaat???
     
    minkeygirl, Gingergrrl and Sushi like this.
  3. Gingergrrl

    Gingergrrl Senior Member

    Messages:
    8,924
    Likes:
    22,001
    USA
    @Ema or @Sushi

    If someone is awarded social security in 2016, can they choose to keep a private insurance plan through the Affordable Care Act or is it mandatory that they take Medicare? Am not even certain which plan would be better or cheaper at this point but am just wondering if you have a choice?

    Was also curious what happens if you are on a plan with other family members?
     
  4. Ema

    Ema Senior Member

    Messages:
    4,276
    Likes:
    5,979
    Midwest USA
    https://www.healthcare.gov/medicare/changing-from-marketplace-to-medicare/
     
    Gingergrrl likes this.
  5. Sushi

    Sushi Moderator and Senior Member Albuquerque

    Messages:
    13,980
    Likes:
    21,281
    Albuquerque
    I don't know except that, for those given Medicare for disability, I believe there is a 2 year wait time (from the time you applied for disability) before you can start Medicare.

    @Ema's link tells you more.
     
    Gingergrrl likes this.
  6. zzz

    zzz Senior Member

    Messages:
    563
    Likes:
    2,425
    Oregon
    "Hold harmless" in this situation means that means that for those people who are on Medicare and have their Part B premium deducted from their Social Security payments, the total Social Security payment will not decrease as long as your income isn't too high (which isn't an issue for almost any of us). In practical terms, this means that although Medicare Part B premiums might otherwise increase, we would not be charged the increase as that would lower our overall Social Security payment.

    And as @Sushi pointed out, there is a two year wait period after you apply for SSD before you're eligible for Medicare. You can keep any existing ACA plan then, but any subsidies you get for the ACA plan disappear. Also, Medicare is a much better value, as the vast majority of the plan's cost is subsidized by the government. For most people, there's no reason to keep an ACA plan once you're eligible for Medicare.
     
    Gingergrrl and Sushi like this.
  7. Ema

    Ema Senior Member

    Messages:
    4,276
    Likes:
    5,979
    Midwest USA
    There is a waiting period but by the time you wait for a hearing etc, it's usually up. I started Medicare the same month I was approved for SSDI.
     
    minkeygirl, Gingergrrl and Sushi like this.
  8. Gingergrrl

    Gingergrrl Senior Member

    Messages:
    8,924
    Likes:
    22,001
    USA
    @Ema @Sushi and @zzz Thank you for all the info and I plan to read the link later. I have no idea if or when I will be approved but it could be two years by the time the whole thing is done!

    It sounds like I keep the ACA plan until then and then I have a choice but the subsidies go away if I choose to keep the ACA plan? Am not sure yet if it pertains to a family plan but will read the link and research it more as it gets more relevant.
     

See more popular forum discussions.

Share This Page