Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Obamacare and us poor folks

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Obamacare and us poor folks

    Please no flaming... I really need to get some answers and I have no idea who to ask.

    So... I currently buy health insurance thru a college... frankly it's a PITA having to go to school but it was the only way to get something affordable. Dh has none as we couldn't afford for both of us this semester- have to pay in lump sum.

    I don't even know where to look to get info as to what to do next so that we can both have insurance. do we have to go without for six months to qualify? You guys are about the best resource I know... any thoughts? Does anyone have any solid info on how Obama care will work for us well-under-the-median people?

    The precarious nature of our insurance is one reason we can't file yet.

    Thanks in advance.
    KS

    Keep On Smilin'

  • #2
    Have you tried applying for new individual insurance? The rules for pricing and pre-existing conditions are already in effect.

    I'm waiting for 2014 to try shopping around, but that's just because the state exchanges are slated to go online and should greatly improve the process (I live in Florida though and the state is trying everything it can to get out of it, so we'll see).

    Doesn't really change much for those of us in the donut hole between medicaid and group plans.
    Filed Chapter 7, January 2013. 341 Meeting, March 2013.
    Discharged as Asset Case w/ Stipulation, May 2013. Closed, May 2014.
    South Florida foreclosure: last payment, October 2012. Lis pendens, November 2013.

    Comment


    • #3
      We don't have an extra 700+ a month. We'd have to give up eating completely.
      I really meant it when I said we are (working) poor.
      We used our home equity to pay for health ins for years. A huge part of why we are bk.
      Was on state plan at one time, took a little job, made just too much to qualify, got kicked off and it's been a downward spiral ever since.

      Keep On Smilin'

      Comment


      • #4
        My suggestion was to go with a state plan, but it looks like you've already tried that. I'm sorry I can't be of more help.

        Comment


        • #5
          I've been lurking here for awhile, but just had to post on this topic. My husband became disabled a few years ago, we lost our house, went through a chapter 7, and now are doing fine. We have a small apartment, and he gets SSDI. It covers all our bills and even leaves a little left over for savings. Hubby will be able to get medicare in about a year but I'm wondering how much it is going to cost for me to get "Obamacare". We are way below the median income for our area but I way above the "poverty line". OK, didn't have much to add to this conversation, I'm just concerned. I need health insurance but not sure how we will be able to afford it.

          Comment


          • #6
            Do a google search on health insurance. When my ex switched jobs, he was a consultant and didn't get insurance as a result. He found a plan for around $600 a month. I helped him out by giving him a list of other insurers websites (there was a reason why I handled the finances when we were married) and he found something considerably cheaper. Not the best, but it was better than nothing. Just shop around.

            Comment


            • #7
              I am currently paying for my own catastrophic care insurance with a very high deductible--$3500.00, and I am paying $389.00 damned dollars a month I CAN NOT afford.

              When it goes up again in a month or two when a letter from BC&BS informing me of some new aspect of Obamacare going into effect that causes MY rates to rise, I will have to drop coverage entirely. I am only 60 years old and do not qualify for Medicare. And I do not believe that Medicare will be there in five years.

              And do not tell me that I can shop around. I have done so. I have pre-existing conditions.
              Last edited by AngelinaCat; 01-21-2013, 09:20 PM.
              "To go bravely forward is to invite a miracle."

              "Worry is the darkroom where negatives are formed."

              Comment


              • #8
                Originally posted by AngelinaCat View Post
                I am currently paying for my own catastrophic care insurance with a very high deductible--$3500.00, and I am paying $389.00 damned dollars a month I CAN NOT afford.

                When it goes up again in a month or two when a letter from BC&BS informing me of some new aspect of Obamacare going into effect that causes MY rates to rise, I will have to drop coverage entirely. I am only 60 years old and do not qualify for Medicare. And I do not believe that Medicare will be there in five years.

                And do not tell me that I can shop around. I have done so. I have pre-existing conditions.
                I am with you Cat. I am a 59 yr old male and pay $385 per month with a $2750 annual co-pay. I put $100 per month into an HSA account but can not really afford it. My wife is on permanent disability SSDI so she gets Medicare otherwise we would not be eating. I have read that those of us that are below the median income will be eligible for some sort of financial assistance but I am not holding my breath.

                As far as I see it Obama Don't Care.

                Comment


                • #9
                  What I am trying to learn is about credits etc for those of us who cannot afford insurance. I know there is something about that in those 900 pages but no idea how it all falls out. Does anyone here actually understand what is going to happen? Again, I need info -- please not political commentary.

                  Also I am leery of screwing myself again by getting him insurance and then falling thru the "must be uninsured for x mos to qualify" loophole.
                  Trying to pull us up by taking a part time job was the DUMBEST thing I ever did. Go know.

                  Keep On Smilin'

                  Comment


                  • #10
                    I found this article interesting, http://money.usnews.com/money/blogs/...dies-will-work. It appears to me if you do not qualify for medicaid in your state, it will cost you.
                    chpt 7 ,5-2009

                    Comment


                    • #11
                      Thanks FG for that link. We should qualify for something as we are not more than 400% of FPL. But I don't understand... do we have to put out the cash and wait for a tax credit???? And just not eat or have heat until tax time? (and then worry about a tt taking the refund???)

                      Keep On Smilin'

                      Comment


                      • #12
                        You will be able to apply the tax credit to your premium. From the official federal government website on Obamacare: http://www.healthcare.gov/law/inform...dividuals.html

                        Start here to get information relevant for you: http://www.healthcare.gov/law/inform...you/index.html

                        The tax credit doesn't start until 2014. Each state can set up its own insurance exchange. In states where an exchange is not set up by October 2013 to allow people to get coverage for 2014, the federal government will run an exchange.

                        keepsmiling, aren't you in New Jersey? According to my research, your governor vetoed legislation to set up an exchange.

                        Here's another site that looks like a good source of information: http://healthreform.kff.org/en/the-basics.aspx
                        LadyInTheRed is in the black!
                        Filed Chap 13 April 2010. Discharged May 2015.
                        $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

                        Comment


                        • #13
                          In the hopes that this information helps someone, here is what I know and have experienced:

                          My Family Care Provider has three levels of service payments: Medicare/Medicaid; Insurance; and Patient Pay. 'Patient Pay' is the lowest level of payment allowed--below that of 'Medicare'. So I have 'Patient Pay'. Fortunately, I also have an HSA account, with which I can pay the copays. But when you have a $3500.00 deductible and you have a problem like I did with a fall and resulting emergency room services/charges, the HSA can run out fast.

                          ETA: I got distracted-sorry!. What I am attempting to say is to make an appointment with your family practitioner, and ask about payment arrangements. Most will work with you.
                          Last edited by AngelinaCat; 01-22-2013, 08:14 PM.
                          "To go bravely forward is to invite a miracle."

                          "Worry is the darkroom where negatives are formed."

                          Comment


                          • #14
                            Originally posted by AngelinaCat View Post
                            ETA: I got distracted-sorry!. What I am attempting to say is to make an appointment with your family practitioner, and ask about payment arrangements. Most will work with you.
                            This is especially true when it's a scheduled service rather than emergency. Shop around for the best cash rate and use sites like Healthcare Blue Book to price out options and figure out the "gotcha" items (eg. anesthesia). Services that require facilities can often bundle payments for cash clients too, saving even more. A few doctors can do basic bloodwork at the office for cash clients (it's just easer to let big labs handle billing with insurance), so that's another thing to consider when shopping doctors since that can be such a huge unknown.

                            It's often cheaper to just pay the cash rate than the insurance rate, but it won't go toward your deductible so it's a bit of a gamble.
                            Filed Chapter 7, January 2013. 341 Meeting, March 2013.
                            Discharged as Asset Case w/ Stipulation, May 2013. Closed, May 2014.
                            South Florida foreclosure: last payment, October 2012. Lis pendens, November 2013.

                            Comment


                            • #15
                              I have, right now anyway, affordable state insurance. Only problem is, please don't flame me, looking at some of these posts, I sure wouldn't want to move out of this state. I also have to be wary about taking on any part-time job, since it could possibly push me out of, or to another "level" for this insurance. Though, employers here are forced to offer insurance for full-time employees and must pay at least 50% (should that ever happen.)

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X