tag:blogger.com,1999:blog-8512362.post310847940284156884..comments2024-03-10T13:59:19.230-04:00Comments on xpostfactoid: The American Rescue Plan Act makes free coverage available to many below 100% FPL in nonexpansion statesAndrew Sprunghttp://www.blogger.com/profile/17601269968798865106noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-8512362.post-80839873675175238372021-03-14T13:00:35.117-04:002021-03-14T13:00:35.117-04:00I do not know if you used the aCA. As a Realtor I ...I do not know if you used the aCA. As a Realtor I always paid for my health insurance-until it reach $600 a month-and the bubble had bust-before ACA. So, I could not afford any insurance and had to find a job after 20 yrs in R.E. that had it. When I left that ACA was in affect. I made very little as I had been on commission most of my career. The insurance I got for very little was not based on my age like before but my income. It was way less than medicare and better!-0 deductible, 600- 1000 out of pocket which took most of the year to get close to. Yes, I took one that was silver and no out of network but it offered that too if I was willing to pay more. <br />When my Adult Son got deathly ill diagnosed with a auto immune illness there was no where to turn,Medicaid was so difficult to get. Clinics were a joke. But ACA helped me and it too 2 years to get him on Medicaid even getting turned down 3x with a terrible illness. So , it is easy to talk about something you know little about. (I don't care if you have been an Agent for 30 years-until it hits you-it means nothing.The Medicaid isn't as good as ACA but he has some good Dr's. As far as dr's there was few I good not live w/o and found better ones on my ACA healthcare.Anonymoushttps://www.blogger.com/profile/06041495684102210933noreply@blogger.comtag:blogger.com,1999:blog-8512362.post-64984161344298982012021-03-12T12:26:57.756-05:002021-03-12T12:26:57.756-05:00Well, Andrew, exactly what goes on in the various ...Well, Andrew, exactly what goes on in the various states (Medicaid expansion and the separate case of non-expansion) puzzles me after seeing your post, and being of no mind to go through the "winding path through other statutes".<br /><br />Does income knocked to 133% of income, in the expansion states, mean people in those states who receive unemployment insurance get expanded Medicaid? (Not subsidized-to-0-premium on exchange, with heavy cost-sharing reductions?) Note that eligibility for expanded Medicaid blocks subsidized on-exchange coverage under ACA rules.<br /><br />Very tricky. I think the 138% FPL upper cutpoint for expanded Medicaid eligiblity is, in the precise text of the law, 133% with a 5% disregard of something. So it's very tricky. (An issue, as in elementary math, of the difference between < and <=, open and closed intervals, etc., may be involved!) <br /><br />So I wonder what the answer is, in the expansion states.<br /><br />(And you know what I'm going to say next:<br /><br />If the people getting unemployment get expanded Medicaid in those expansion states, then in the subset of roughly 12 expansion states that estate recover expanded Medicaid for people 55-64, possibly of all medical expenses paid out rather than a capitation, then some people, who likely don't know about it, have a hidden bomb of no insurance but rather a loan until death for medical expenses.<br /><br />And you know that I'm going to point out that some of those states are Democratic MA, NJ, and MD.<br /><br />And you know what references I'm going to supply for those unfamiliar with the issue:<br /><br />https://xpostfactoid.blogspot.com/2021/01/the-117th-congress-should-end-medicaid.html <br />and<br /><br /> https://xpostfactoid.blogspot.com/2021/01/the-117th-congress-should-end-medicaid.html <br />and <br /><br />https://en.wikipedia.org/wiki/Medicaid_Estate_Recovery_Program <br /><br />archived here: <br />https://web.archive.org/web/20200701011813/https://en.wikipedia.org/wiki/Medicaid_Estate_Recovery_Program ) <br /><br />Really, I do wonder what the Rube Goldberg contraption of our health insurance system gives to those unemployed people 55-64 in those 12 states. Real insurance, or just a loan until death for whatever medical expenses occur?<br /><br />If you happen to know, could you possibly let us know?Norman Spierhttp://nasmusicsoft.comnoreply@blogger.com