How much money can someone make and still be eligible for Medicare under ObamaCare?

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How much money can someone make and still be eligible f... - 9/8/2014 5:51:47 AM

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How much money can someone make and still be eligible for Medicare under ObamaCare?

RE: How much money can someone make and still be eligib... - 9/8/2014 6:03:46 AM

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You will have to read the bill to see what is in the bill.

(in reply to BenevolentM)

RE: How much money can someone make and still be eligib... - 9/8/2014 6:13:23 AM

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I suspect the information being supplied by https://www.healthcare.gov/ is either inaccurate or misleading. They seem to want you to specify your total household income, but this is not what I suspect the law requires. From what I can gather eligibility is based on the modified AGI (MAGI). I am wondering is are there different MAGI for different purposes or is there just one?

quote:

ORIGINAL: servantforuse

You will have to read the bill to see what is in the bill.

I suspect the government is being dishonest and want people to either do without insurance or chose a plan they cannot afford when they are in fact eligible for Medicare if they understood the formula.

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RE: How much money can someone make and still be eligib... - 9/8/2014 6:28:09 AM

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It seems discriminatory to me that they are using a modified AGI and not the AGI to establish eligibility, but I suppose for good or evil it is what it is and the important thing is to understand what it is. My impression is ObamaCare indirectly discriminates against the elderly where you are not discriminated against if you are an elderly couple living alone on social security, but are discriminated against if your household also consists of individuals who are not receiving social security benefits.

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RE: How much money can someone make and still be eligib... - 9/8/2014 6:44:21 AM

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Is it likely that the government is being dishonest? In my opinion if the government were honest Medicare coverage would be automatic. You would have no obligation to apply. Upon paying your taxes you would receive a notice saying you are qualified for Medicare or not and if qualified you would be automatically enrolled.

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RE: How much money can someone make and still be eligib... - 9/8/2014 6:51:58 AM

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One of the things that makes it confusing is eligibility is discussed in terms of how much you make per month, not per year. This is fine if your income was steady. Also, the amounts your household can make before you become ineligible is very low so it is easy to end up right on the boundary where eligibility becomes unstable. One month you are qualified and the next you are not. This is a harassment. Also there doesn't appear to be much you can do if you are just a dollar over the amount. From what I can see this whole thing is screwed.

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RE: How much money can someone make and still be eligib... - 9/8/2014 7:03:00 AM

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quote:

ORIGINAL: BenevolentM

There doesn't appear to be much you can do if you are just a dollar over the amount.

For example, there doesn't appear to be a way where you could just donate that dollar to a charity and thereby lower your income by a dollar in such a circumstance. You might have to ask your boss to reduce your wage by a penny an hour to be qualified for medical insurance.

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RE: How much money can someone make and still be eligib... - 9/8/2014 7:11:56 AM

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Given the complexity of the situation it may be better for people to do without medical insurance even if they may be qualified to receive Medicare because at least that way they can't be accused of Medicare fraud.

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RE: How much money can someone make and still be eligib... - 9/8/2014 7:32:03 AM

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Where does Obama think this money to pay for medical insurance is coming from? Medicare? If it is Medicare why are the limits so low and the eligibility formula so complicated? You expect people who have nothing to pay an accountant to figure it out for them? Do the accountants even know what the formula is? Did they conveniently forget that if you make a mistake in the figuring you could be accused of Medicare fraud?

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RE: How much money can someone make and still be eligib... - 9/8/2014 7:39:01 AM

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That the limits are low may not be so bad if the modified AGI is significantly less than your total household income. There appears to be reason that it is. In that case it may not be all that bad, but certainty is needed. It is bad in that there appears to be reason to believe that you are screwed instead of rewarded if you are a caregiver of someone who is elderly and on social security. Obama instead of trying to help you get medical insurance in this scenario wants you to do without, then be fined.

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RE: How much money can someone make and still be eligib... - 9/8/2014 7:48:43 AM

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If you make a dollar too much money, it isn't only you who becomes disqualified for insurance, other members of your household in addition to yourself who are innocent will become disqualified. Who invented this obscene shit? The whole notion that it is household income and not your personal income is screwed.

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RE: How much money can someone make and still be eligib... - 9/8/2014 8:48:27 AM

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Because the numbers are based on household income a person who has a member of the household who is making money, but is refusing to provide financial assistance will cause you to become disqualified for medical insurance. The amount of money you have to pay the bills maybe low enough to make you qualified for Medicare, but the person who isn't contributing can inflate the number to the point that you and everyone else in the household is disqualified. It wouldn't be as bad if eligibility had only to do with how much you make, that is how much you control. The government is assuming that the head of the household has control of all the money.

Suppose I am wrong and it is just a tally of all income, no adjustments, no deductions. The only people who would qualify for Medicare would be the homeless and students who are away at school. The limits are substantially below subsistence especially when you consider problems where the head of the household does not have full control over the money everyone in the household earns. Even if everyone pays rent you are not going to have full control so this assumption the government is making is a little absurd.

Ok, so suppose you are not qualified to receive Medicare. The Bronze plan is gives you nothing. You are in effect giving the insurance company a donation. You won't be receiving any medical services unless you go to the emergency room, but wasn't ObamaCare about permitting you to get basic medical care before it was too late? The silver plan appears to be equivalent to what Medicare would give you. When a person is only bringing in enough money to pay the utilities and feed themselves, where is this money to pay for a silver plan going to come from?

The only sanity appears to be to make enough money to render all of this irrelevant, but this is not a luxury everyone has.

(in reply to BenevolentM)

RE: How much money can someone make and still be eligib... - 9/8/2014 8:50:18 AM

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FR~~ I'll be honest, the only way to know how much you would save AFTER THE TAX CREDIT is to complete the application process at Healthcare.gov. My mom is 62 and I did the application for her online. After receiving her quotes she refused to pick any of the plans. She was called by a Healthcare.gov associate who told her she'd be happy to finish the application. It took 5 mins despite my mother's protests that all the plans are too expensive. She ended up paying after the tax credits, no more than $2 dollars A MONTH, for Blue Cross, Blue Shield. And PPO,not HMO.
I worked with doctors and can tell you Medicare works like this, generally it covers about 80% of all your healthcare costs and usually you have to get supplemental insurance. Most patients I dealt with who did, did it through AARP and they had total and complete 100% coverage.

< Message edited by GoddessManko -- 9/8/2014 8:51:17 AM >

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RE: How much money can someone make and still be eligib... - 9/8/2014 9:16:36 AM

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The limits for Medicare coverage might be subsistence level if the person who pays all the bills had full control of the money earned by everyone living in the household. The numbers may make sense if you are a household of one because then it is likely that you have full 100 percent control of the money.

quote:

ORIGINAL: GoddessManko

FR~~ I'll be honest, the only way to know how much you would save AFTER THE TAX CREDIT is to complete the application process at Healthcare.gov. My mom is 62 and I did the application for her online. After receiving her quotes she refused to pick any of the plans. She was called by a Healthcare.gov associate who told her she'd be happy to finish the application. It took 5 mins despite my mother's protests that all the plans are too expensive. She ended up paying after the tax credits, no more than $2 dollars A MONTH, for Blue Cross, Blue Shield. And PPO,not HMO.
I worked with doctors and can tell you Medicare works like this, generally it covers about 80% of all your healthcare costs and usually you have to get supplemental insurance. Most patients I dealt with who did, did it through AARP and they had total and complete 100% coverage.

(in reply to GoddessManko)

RE: How much money can someone make and still be eligib... - 9/8/2014 9:26:01 AM

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I suppose it also depends on how you define subsistence also. If you define subsistence as having enough to pay the monthly utilities and feed yourself, then maybe, but if you define it as having enough to pay a mortgage, property taxes, insurance, repair bills, etc, it looks like the numbers are below subsistence.

(in reply to BenevolentM)

RE: How much money can someone make and still be eligib... - 9/8/2014 9:26:54 AM

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quote:

ORIGINAL: BenevolentM

The limits for Medicare coverage might be subsistence level if the person who pays all the bills had full control of the money earned by everyone living in the household. The numbers may make sense if you are a household of one because then it is likely that you have full 100 percent control of the money.

I'm sorry, I'm a bit confused, do you mean Medicare where you have to be over 65 and technically retired or Medicaid? Because the only requirements for Medicare are being over 65 and/or disabled. There are no income requirements like Medicaid.

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RE: How much money can someone make and still be eligib... - 9/8/2014 9:32:52 AM

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quote:

ORIGINAL: BenevolentM

If you make a dollar too much money, it isn't only you who becomes disqualified for insurance, other members of your household in addition to yourself who are innocent will become disqualified. Who invented this obscene shit? The whole notion that it is household income and not your personal income is screwed.

Actually, the basis & principles for the AHCA comes from the repugincan party. The GOP invented the plan years ago, and some versions of it are still talked about by them,
but the concept was pure GOP. That's why the Pres thought the GOP would vote for it.....but IMO I guess since they didn't get to leave the middle class holding the WHOLE bill they are a bit pissy about a Man of color using theyre own ideas.
but of course, IMO the key things they are upset about it is that it meant nobody was excluded from coverage for prior conditions, and its not the same old "what the market will bear" system that makes them billionaires with the free healthcare they deny everyone else.

so really? if you REALLY want to be pissed at someone about the inventor of the AHCA .....the GOP is your target. Aint that hilarious!

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RE: How much money can someone make and still be eligib... - 9/8/2014 9:53:56 AM

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quote:

ORIGINAL: BenevolentM

How much money can someone make and still be eligible for Medicare under ObamaCare?

Medicare is not means tested.

If you are over 65 or disabled you are eligible.

You may be thinking of Medicaid and that is a stated administered program and eligibility varies by state.

(in reply to BenevolentM)

RE: How much money can someone make and still be eligib... - 9/8/2014 11:01:44 AM

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quote:

ORIGINAL: DomKen

quote:

ORIGINAL: BenevolentM

How much money can someone make and still be eligible for Medicare under ObamaCare?

Medicare is not means tested.

If you are over 65 or disabled you are eligible.

You may be thinking of Medicaid and that is a stated administered program and eligibility varies by state.

I am tempted to say you are correct, but I am fairly certain I have not come across the word Medicaid in the literature. The two words are sufficiently similar to be confused, but again I am fairly certain that the government is not using that term. They talk about Medicare expansion, not Medicaid expansion.

quote:

ORIGINAL: itsSIRtou

so really? if you REALLY want to be pissed at someone about the inventor of the AHCA .....the GOP is your target. Aint that hilarious!

It is everybody's fault and nobody's fault. It is communistic. The government is not respecting individual rights by insisting that means testing is based on household income, not individual income. Of course if you are a household of one this isn't a problem so much.

The size of the subsidy the government is giving the insurance companies drives home the fact that it is possible that society cannot afford this. If you cannot even afford a mere fraction of the cost of the subsidy, how can society as a whole be expected to foot the vast majority of the bill? If it can foot the vast majority of the bill, why must they be so cheap and not pick up the entire bill? I cannot see how AHCA makes sense, unless it is dishonest. It has to be selling us a bill of goods where there is some small improvement, but not enough to really matter. It looks like some of Obama's supporters got paid off, e.g. college students.

(in reply to DomKen)

RE: How much money can someone make and still be eligib... - 9/8/2014 11:02:23 AM

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What Ken said (post 18) is basically right. Despite these medi-words being consistently around for half a century, they're still greek to most people, including the OP of this thread. So heres a broad look:

Group A . poor, non-senior citizens -- (NOT new)
MediCAID (optional participation, free premiums, thorough coverage)

Group B . non-poor, non-disabled, non-seniors -- (NEW)
Government Care Act (delayed participation, subsidized premiums, partial coverage)

Group C . senior citizens 65 & some disabled -- (NOT new)
MediCARE (compulsory participation, low cost premiums, partial coverage)

PS Don't even hope to discuss income formulas, without comprehending and delineating the groups being discussed. OP litters the term 'Medicare', into Group B where it does not fit. There is no hope of credibility, without a firm grasp of the picture.

< Message edited by Extravagasm -- 9/8/2014 11:48:12 AM >

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