Current status: Employer mandate delayed for a year; labor unions exempted; members of US Congress exempted; and insurers to keep health plan an extra year. What's next? Nancy has another cockamamie plan.
1. The government will not charge for its services. If you receive an offer to sign up on the Health Insurance Marketplace for a fee, hang up, delete or walk away.
2. Work with a certified specialists trained by the Department of Insurance of your state. Names can be found at the searchable database on a rolling basis, so check periodically.
3. Never open your door to a stranger, even if they claim to be certified specialist. Consult the Health Insurance Marketplace (HIM) about the options you have and what you qualify for.
4. DO NOT GIVE your personal information such as Social Security number, bank account number, credit card number and financial information to someone who calls you, emails you or comes to your door. However, when you enroll at the official http://healthcare.gov website, you will be asked to provide your Social Security number and payment information.
Good luck, you fool! Or is it good riddance?!
PUBLIC SERVICE
OCTOBER 1, 2013 TUESDAY OPEN ENROLLMENT TO AFFORDABLE HEALTHCARE ACT, ALSO POPULARLY KNOWN AS OBAMACARE. OBAMA LOVES THIS TERM, SAYING IT SHOWS HE CARES. WARNING: ENROLL AT YOUR OWN RISK.
I said before I'll check and verify about this law. I'm no longer confused, at least at the moment. Here's why:
APPLICATION:
Consumers can apply online via call center, in person or by mail
http://www.healthcare.gov Click "Get Insurance"
Sign In - Treat your password like a bank account or credit card password
Identity - Identify yourself and your family members; You'll need birthdates and Social Security numbers for yourself and other family members listed on your federal tax return
Citizenship - You'll be asked if you're a citizen. Legal immigrants will need their immigration documents
Accurate income information for your household - including jobs and any available health insurance option. You may need your most recent tax return, pay stubs and details on other kinds of income, such as alimony, pensions and rents. You'll also be asked about access to health insurance through your job. You may be required to take that insurance if available.
Provide the most accurate estimate of your expected income for 2014. If you underestimate the number, you might see a smaller tax refund in 2015. Overestimate, you won't get as big a tax credit now.
You'll get a tax credit to help pay your premiums. The credits are based on your income and keyed in to the premium for a benchmark plan known as the second-lowest cost Silver plan in your area. See below.
With your tax credit, you can finally shop for insurance. You'll have up to four levels of coverage to choose: Bronze, Silver, Gold, and Platinum. Plans at every level cover same benefits and have a cap of $6,350 a year in out-of-pocket expenses for an individual, $12,700 for families. Young adults up to age 30 can pick a "catastrophic" plan but you can't use your tax credit on a catastrophic plan.
Bronze Plan - Lowest premiums but covers only 60 percent of medical costs on average. Policyholders will pay the difference, up to the annual out-of-pocket cap. Your share of premium could be lower, even zero if you apply your tax credit to a Bronze Plan. It's because the credit is keyed to the next and more expensive level which is the Silver Plan.
In addition to your tax credit, check if you're available for "cost-sharing subsidies." Extra help with the out-of-pocket costs is available to people with modest incomes. However, this is only available with a Silver Plan.
Platinum Plan - Highest premiums but cover 90 percent of costs.
Make sure your doctors and hospitals are in the plan you pick. You may have to call your doctor and check the plan's website.
Sign that you are providing truthful information, subject to perjury laws
Federal agencies verifying your application - Your personal and income details will be routed through a new government entity called the data service hub, which will ping agencies like Social Security, Homeland Security and the INTERNAL REVENUE SERVICE. The feds will also rely on a major private credit reporting company to verify income and employment.
OBAMACARE GLOSSARY:
Employer mandate - A federal requirement that companies with 50 or more workers pay a penalty to the government if one of their workers obtains taxpayer subsidized coverage through the law. DELAYED ONE YEAR TO JAN. 1, 2015. Intended to keep companies from dumping employees into public coverage.
Individual mandate - A federal requirement that virtually everyone in the United States has health insurance, either through an employer, a government program or by buying his own plan. EFFECTIVE JAN. 1, 2014. Exemptions for financial hardship and religious objections (Jehovah's Witness ???). Does not apply to illegal immigrants living in the United States. PEOPLE WHO IGNORE THE MANDATE WILL FACE FINES FROM INTERNAL REVENUE SERVICE.
Essential health benefits - Basic health benefits that most health insurance plans will have to cover starting in 2014. They include office visits, emergency services, hospitalization, rehab care, mental health and substance abuse treatment, prescriptions (Sandra Fluke birth control pills etc...), lab tests, prevention, maternal and newborn care, and pediatric care.
Marketplaces (Exchanges) - Online health insurance markets in each state where consumers can get private health insurance - subsidized by the government. Fifteen states and Washington, D.C. are running their own marketplaces. The Obama administration is taking the lead in 35 states, in some cases partnering with state government. Small businesses will have their own marketplaces.
Metal levels - The four levels of coverage available through exchange plans, called bronze, silver, gold and platinum.
Pre-existing condition - An ongoing past health problem. By federal law starting Jan. 1, 2014, denial of coverage due to pre-existing conditions (cancer and debilitating diseases) will be barred and insurers will have to accept all applicants.
Tax credits - Government health insurance subsidies for individuals will come in the form of tax credits. The money will be paid directly to the consumer's health plan to help cover the premiums. The subsidies are on a sliding scale based on income. Each year, people will have to "true up" with the IRS to make sure they got the right amount. People who receive too generous a tax credit may owe money back to the government.
Tax penalty - The fine levied on individual who disregard the individual mandate. It starts small and gets bigger in subsequent years.
2014 - $95 or 1% of taxable income
2016 - $695 or 2.5% of taxable income
Thereafter, it's adjusted for inflation
Medicaid expansion - The ObamaCare also expands the federal-state safety net program to cover more low-income people and those living below the poverty line. The CBO (Congressional Budget Office) estimates 25 million uninsured people. The federal government will pay the full cost of the new coverage from 2014 - 2016, then phase down to 90%. Twenty-four states & Washington, D.C. have accepted the expansion. Eight states are considering and 18 states have rejected it, including Texas and Florida. Many adults living below the poverty level in the refusing states will remain uninsured.
OBAMACARE + IRS = INVASION OF PERSONAL FREEDOM
_____________________________________________________
_____________________________________________________
FROM: THE DESK OF FOREIGN BORN POLITICAL OBSERVER
With no offense to the Three Stooges: Exchange Student Obama, Queen Pelosi and Dirty Harry are the Three Stooges of American politics. Why so? Constitutional scholar Obama had thwarted some laws of the land - most outstanding is signing the Dream Act into law. Queen Pelosi has been giving misinformation to the American public that the Obama Administration and her fellow dimwit Democrats have created more jobs than the Bush Administration. WRONG! Let me explain - during the Bush Administration, the job unemployment was only 4.9 %. Most of the population are working and therefore not many folks are looking for a job. If more jobs were created at the time, then everyone would be working and inflation would go skyhigh. Commodity prices would increase and poor folks who were on poverty level would not be able to afford or barely afford the food on the table. Contrast this with Obama's unemployment record that went up as high as 9.4 % but later stabilizes at 8.3%. Since Madam Nancy Pelosi, who by the way returned her plane to the military, and the Democrats took Congress in 2006, everything went down the toilet with their cockamamie policies in banks and healthcare. Dirty Harry Reid should tell us who his informant at IRS is - that presidential candidate Romney did not pay his taxes for ten years. That IRS employee should be fired! Is there a whistleblower at IRS - come forward, please. Since Romney did not have a salary as Governor of Massachusetts, then he should not have filed because his income for each year was less that $7,000 or whatever was the amount written for that year. I think personal taxes (simple) and corporation taxes (complex) should be dealt with differently.
But, oh no, not me. I've asked myself, self, why was he elected when he's just a dummy for the lot of elite CEOs and environmental contributors; and useless policies from his academic advisers, which all failed (see photo below that was fowarded in my hotmail). As a concerned Americans, do we really, really need a socialist in capitalist America for four more years as a lame duck? I suggest my fellow Americans that you use your coconut. Think! Think of the difference between the two men - who will be the best to change the future of America, its future generations, for the better? Who will have a sound economic program, social and foreign policies, at last? And may I remind us that there were no congressional budget for almost four years now! Who? I think that man is Romney.
If I have my magical powers, I'll send Obama to Mars in a hybrid rocket (Made in USA). A green Martian told me that they are having a swaporama. Oops! I mean SwapObama.
Published 8/20/12 lib's labyrinth
Web Page: SwapObama
Upon my further review, there will be an across the board increase in premium - young enrolees, middle-class and seniors. The young, labor unions, AMA, AARP, low-information voters as well as highly informed people all voted for Obama in both presidential elections not probably realizing ? ( I doubt it) how much ObamaCare will affect them. I was young once and my employer provided healthcare for me by taking out reasonable amount from my paycheck. Though I did not use it all, except for twice a year medical check-up, I kept paying for it. Did you know that when you're young you think you are happy, healthy and strong forever? I must confess I hardly used my healthcare provider at all. The ObamaCare administrators are targeting at least 70 million healthcare subscribers, mostly young people. There is a sucker born every minute. I heard people who log in had difficulty. I'm not surprised!!! A few years ago, I logged in in the Medicare website. I had a hard time checking on-line and so I just called the free-toll line. The man who answered was not so helpful at all. Just imagine when was the Medicare website was created -- many years ago!
ReplyDeleteBY THE WAY, SENIORS AGE 62 AND UP AND THOSE ON BANKRUPT MEDICARE SHOULD THANK ALL THE "YOUNG" SUBSCRIBERS OF OBAMACARE.
ReplyDelete