Thursday, February 14, 2013

where can I find info on different government health plans and waivers?

Q. I'm looking for defferent medical health plans and waivers that are suplied by the government.
Like the Katie Becket Law for example.
Any one know where I could find them?
Or what key words I should search under?

A. Go to
1. www.ontheissues.org and look under each candidate's healthcare plans.
2. then do a search on those plans for more detail


What is the different between the Obama health plan and Hillary Clinton's plan?
Q. Obama health plan to cost $75 billion provide health insurance for 95 percent of Americans. I know Hillary has been working on that issue over 10 years.

A. Obama's is a little closer to a single payer system, where as clintons is not. All in all, under obama's plan people and small businesses are subsidized if they participate in the federal program, under clinton's plan you can be subsidized no matter the program. There are pros and cons to both, in obama's there are few less choices, but it also costs far less.


What does the new medical health plan mean for me?
Q. I am in my early 30's, working as a freelance consultant (meaning buying private health coverage).
Can I and my wife choose the new Gov Medical health plan that are in the works -- and what will that mean for covering her and kids when we start a family?

A. Last I heard, there is no government health plan in the works. Lieberman managed to kill it.

Meanwhile, there are still 2 different plans b/n House and Senate and we won't know what the outcome is until they are reconciled.


What should I look for in a good health plan for my wife and I?
Q. We are late twenties, married two years and really need a decent family health plan. We have no kids yet. What specific benefits/costs should I be looking at? We can probably only afford $200-$300 a month, sadly.

A. If you can find a plan through your employer, it would be the cheapest. If you are buying on your own then you will have some additional things to look at:
1. are either of you planning any major surgeries or health events (pregnancy)
2. how often do you typically go to the doctor (1? 10?)
3. Do you need specialist care (ob? specialists?)
4. How much money do you have available in an emergency
5. Any routine medications (birth control? allergy? special condition?)

Plans will have info such as co-pays (what you pay when you go in) and then also things like co-insurance. Pay attention to these as it will help you identify how much money you will be paying in addition to your health insurance.

Some people pick plans that have higher upfront costs (copays, drugs, etc) with lower monthly costs because they rarely go to the doc and it is cheaper to pay those costs out of pocket. Others find insurance that is more per month but the day to day is cheaper.

Read the fine print- will previous conditions be a problem? Is there a limit to how much the insurance will pay? Is there a drug plan.

Good luck.





Powered by Yahoo! Answers

No comments:

Post a Comment