"Another surprise may be that the cost is the same even if one spouse goes on medicare. I'm eligible Jan.
2020. Checked out what it would cost for eleven months until the wife is eligible. Exactly the same."
I'm a bit confused about that statement. I have a similiar situation, for 2019 I'm eligible for medicare starting Feb 1st, so I need a plan for one month but my wife needs one for the entire year. Going through the signup process, you can separate yourselves into 'two' groups and then pick a different plan for each of you. The cost for her is half of what it would be for both of us, and I will simply pick the cheapest bronze plan to get 'catastrophic' coverage for one month. If you are picking one plan to cover both of you, I'm not sure exactly what happens, but would think once you notify the ACA folks that one of you is dropping out, adjustments would be made. They already knew I was close to medicare age when signing up, as a message popped up telling me to notify them when that 'blessed event' <gg> took place.
Regards,
John
PS - I investigated those 'temporary plans' being pushed out there, in going through the application process on the United Healthcare website, they ask the following:
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Within the last 5 years, has any applicant received medical or surgical consultation, advice, or treatment, including medication, for any of the following: blood disorders, liver disorders, kidney disorders, chronic obstructive pulmonary disorder (COPD) or emphysema, diabetes, cancer, multiple sclerosis, heart or circulatory system disorders (excluding high blood pressure), Crohn’s disease or ulcerative colitis, or alcohol or drug abuse or immune system disorders? The person(s) named will not be covered under the policy/certificate.
NoYes
Has any applicant had testing performed and has not received results, or been advised by a medical professional to have treatment, testing, or surgery that has not been performed? The person(s) named will not be covered under the policy/certificate.
NoYes
Within the last 5 years, has any applicant received treatment, advice, medication, or surgical consultation for HIV infection from a doctor or other licensed clinical professional, or had a positive test for HIV infection performed by a doctor or other licensed clinical professional? The person(s) named will not be covered under the policy/certificate.
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So bottom line, if you have been sick over the past five years they will not even issue you a policy. Just like the good old pre ACA days...
Regards,
John |
