(Closed) Anybody know anything about Obamacare/health insurance?

posted 6 years ago in Wellness
Post # 3
Member
413 posts
Helper bee
  • Wedding: November 2014

Even though I hate the concept of Obamacare… looks like it helps you out:

“ACA decrees that all health insurance plans that offer any dependent coverage must offer coverage to enrollees’ “adult children” (the terminology used in the law) until age 26, even if the adult child no longer lives with his or her parents, is not a dependent on a parent’s tax return, or is no longer a student … even if the adult child is married.”

http://www.forbes.com/sites/scottatlas/2012/07/31/wheres-the-outrage-from-young-americans-about-obamas-health-reforms/

 

Post # 5
Member
9139 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

P.S. Eye checks are still covered even if you do not have vision coverage but you have to see a medical eye doctor (opthamologist) covered by your medical insurance plan rather than an optometrist which would be covered by a vision plan.

IMO most vision plans are complete rip-offs; I see an opthamologist with my medical insurance for a copay and I buy glasses and contacts online for way cheaper than in an eyeglass store ($50 for two pairs of glasses and around $20 a box for contacts at http://www.coastal.com).

Post # 6
Member
1339 posts
Bumble bee

FWIW I’m super happy about Obamacare! Should’ve happened a long time ago. Yes you will be able to stay under your dads insurance until 26. Obama was trying to make sure that kids in college would still have access to good insurance.

Post # 7
Member
5400 posts
Bee Keeper

Yup it’s true. You can stay on until 26, even married! Awesome news!

Post # 8
Member
3230 posts
Sugar bee

After you’re 26, you should look into getting an independent plan if you don’t want to go with your FI’s. When I was with a small business, I had to get a independent plan and was reimbursed by my employer. The cost was $260/month and it covered most things. Vision was an additional cost or sometimes discounted but not that much. From what I researched, it did not cover pregnancy though – that is another insurance that you will usually have to get before you get pregnant. That plan is a lot better than the one I am currently getting from my new employer. I would suggest going to an insurance salesperson and not trying to sign up online. You will get endless call and e-mail spam, and a lot of them are scams too. If you decide to do this, make sure you do your research and get a reputable insurance company – in NC, it’s places like BCBS, Cigna, Wellpath, etc.

Post # 10
Member
3692 posts
Sugar bee
  • Wedding: December 2011

“If you decide to do this, make sure you do your research and get a reputable insurance company – in NC, it’s places like BCBS, Cigna, Wellpath, etc.”

@Galang_Gyal:  I worked for a company for five years that sold shitty health insurance plans that I would never buy for my own family, and I could not agree more with what nelya8503 said.  Stick with the big, reputable companies. 

Post # 12
Member
3230 posts
Sugar bee

@strawbabies:  Absolutely. One of the guys at work got one of the disreputable, too good to be true “insurance” plan from the internet. He is now paying off an ER and surgery bill to the tune of over $20,000.

Post # 13
Member
1497 posts
Bumble bee
  • Wedding: June 2013

I’m really happy about this. I’ve been without health insurance for almost three years. It’s been terrifying thinking about what could happen to me without insurance. This should have been done long ago!

 

Post # 14
Member
6830 posts
Busy Beekeeper
  • Wedding: June 2011

@beachbride1216:  It depends on your vision provider and how much your employer pays for it.  My eye insurance is one of the best out there and costs me barely anything for getting glasses/contacts or eye exam.  So I wouldnt say it is a joke…

Post # 15
Member
3692 posts
Sugar bee
  • Wedding: December 2011

@Galang_Gyal:  Oh, no.  The employees had really good coverage through one of the major companies.  We just sold shitty plans underwritten by little companies nobody has ever heard of to make money.

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