Now a member of the ACA club

[oneshooter]

My private policy was dropped, had no choice.

My first try was a flop, policy was $680+ per month, $200 more than the one I was dropped from. Called and talked to a fellow who helped me, seems that I had indicated that I would be working this year, just as I have since I was 17. Loving Wife works part time, and I am a home repair contractor. He asked me how much I will make this year and I told him that I didn't know, It depends on the work I get. He said that since I am self employed I should put down zero income. This lowered the cost to $211 a month, but I am either retired, or only working for cash.
And I still have to get a separate vision policy, as that was not covered, neither was my son, he has to use Medicaid. Have to transfer our land and home to a trust to protect it.

This sucks.

[moriah]

1. Mine was $83 for me.

I am on disability now, don't qualify for Medicare yet and make too much for Medicaid. My income is about $20,500 a year. $83 with only $1200 of out of pocket medical expenses besides premiums a year is doaable.

[missingthebigdog]

2. How old is your son?

It is unlikely that you need to transfer your land and home to a trust just because he is covered by Medicaid. They aren't HIS assets, they are yours.

[oneshooter]

3. 15 Medicaid will come after the land and house when I die.

That is why I have to put it in a living trust. I am executor of my FiL's will. They are trying to take the only item he left of any value, the lot his house was on.

[missingthebigdog]

6. Your father in law is a different case than your son

Medicaid can come after reimbursement from the estates of people who received benefits for themselves after a certain age (55, I think). This has NEVER applied to Medicaid for children.

There may be other, valid reasons for putting your assets into a living trust, but this isn't one of them.

[oneshooter]

4. Am truly screwed now. My Doc of 15 years won't take ACA.

Gonna drop it and just pay cash.

DAMN.

[DryHump]

5. Not so sure your Doc

can refuse ACA - legally. Check that out!!!!