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health insurance [Aug. 10th, 2007|03:30 pm]
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[juldea]
Allow me to admit to breaking the law in that I don't have health insurance yet. I know this is bad and I am a subject for scorn, etc. etc. I am not posting this to get a lecture.

I went to MAHealthConnector, but their deal seems to be, "Apply, and we'll choose what plan you can afford and automatically sign you up for it," and I'm not comfortable with that. Can anyone confirm if this is how it works or not?

Alternately, anyone have suggestions for affordable health care this late? Single white female, 27, no kids, doesn't smoke, lives near Central Square, Cambridge. Thanks for your help.
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Comments:
[User Picture]From: thetathx1138
2007-08-10 07:45 pm (UTC)
Let me jump on the bandwagon here as well; I just want to meet the minimum to not break the law. Any suggestions?
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[User Picture]From: l_o_v_e
2007-08-10 07:46 pm (UTC)
I am kind of in the same boat. I am uninsured because I lost my job, and am not working Freelance in the interim. I am wondering if I am going to be penalized for not having insurance for a few months. I can't find any info on that, everything just says you must have it by Dec 31st of this year to avoid tax penalties(penalty?).


Sorry I don't have much to add to your situation.
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[User Picture]From: anotherthink
2007-08-10 07:56 pm (UTC)
mahealthconnector.org has a widget to find what plans you are eligible for, and at the end you can sign up for one on the internet if you want. you can also sign up by calling them 1-877-ma-enroll. watch out, you need to pay by the 27th of the month before the month your insurance starts, which might mean that you need to send them a check before you get your bill.

also, they told me over the phone that there are no penalties for not having insurance until the end of this calendar year -- so I guess if you are still uninsured next Jan. there could be issues, but if you are just uninsured between now & Dec. it is a grace period.
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[User Picture]From: justfeelngtired
2007-08-10 08:53 pm (UTC)
thank you for this website - i have been sooo lost in all of this lingo and dates and such.

ahhh to be fresh out of college when laws change...
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[User Picture]From: ron_newman
2007-08-10 07:58 pm (UTC)
I believe that not being insured by the end of 2007 results in you losing your personal exemption on this year's state income tax.
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[User Picture]From: badlydrawnjeff
2007-08-10 08:05 pm (UTC)
New Hampshire is quite lovely this time of year.
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[User Picture]From: ifotismeni
2007-08-10 08:07 pm (UTC)
it sucks all other 11 months of the year.
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[User Picture]From: missing_thewar
2007-08-10 09:42 pm (UTC)
hear hear. ;D
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[User Picture]From: jenlight
2007-08-10 08:46 pm (UTC)
Have you tried applying for MassHealth?
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[User Picture]From: sexishorti911
2007-08-10 10:07 pm (UTC)
that's basically how it worked for me -- I applied, and they decided whether I fit into MassHealth or Commonwealth Care, and within commonwealth care there are four types of plans based on income level -- they choose that for you as well. BUT you aren't automatically enrolled. You have to accept it, register on the site....so technically, you could find out what you're eligible for, and then choose not to take it.

Then once you get accepted, depending on where you live etc, at least for me, I had the option of three health plans within Commonwealth Care (they basically all offered the same benefits).

I was surprised at what an easy and painless process it was. I applied about six weeks ago, and already have my card, etc.
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[User Picture]From: empressov
2007-08-10 11:52 pm (UTC)
Wait--let me get this straight--it's illegal to be without health insurance in MA???

(Yes, I'm clueless, just working/planning my move to the state now and not yet there.)
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From: mogaribue
2007-08-11 01:55 am (UTC)
As a single white age 29, covered by my employer, I think I may have a solution.

How do you feel about Spring weddings?
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[User Picture]From: juldea
2007-08-11 05:10 am (UTC)
Best response yet!

However, I'm likely to get coverage from my partner starting in November. That's not a long a wait as spring. ;)
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[User Picture]From: no_miracle
2007-08-11 08:48 am (UTC)

Adding to the frustration...

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[User Picture]From: hethatishere
2007-08-11 03:11 pm (UTC)
I went to MAHealthConnector, but their deal seems to be, "Apply, and we'll choose what plan you can afford and automatically sign you up for it," and I'm not comfortable with that. Can anyone confirm if this is how it works or not?

I am a bit baffled on how you got to that conclusion, you totally get to pick your own insurance plans from a list that the website selects based on your demographic information.

I believe this link will get you set up to view the plans for you: http://www.mahealthconnector.org/portal/site/connector/menuitem.99762c230fb3e650dbef6f47d7468a0c/?fiShown=default
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[User Picture]From: juldea
2007-08-11 04:04 pm (UTC)
My information was from memory and slightly inaccurate as who to blame. On the second step there, due to my low income, I get shunted to Commonwealth Care. They are the ones who say, "Apply, and we'll choose what plan you can afford and automatically sign you up for it."
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[User Picture]From: hethatishere
2007-08-12 03:54 am (UTC)
They are the ones who say, "Apply, and we'll choose what plan you can afford and automatically sign you up for it."

Commonwealth Care is a darned great deal and IMHO should be what the whole reform bill should have been built around in the first place. Commonwealth Care is built around a sliding scale, which is why you don't get to pick your plan. I have a few friends who are on it and I am jealous to say the least as a just-on-the-cusp contractor working for the city (for a bunch of people with ridiculous pay and even more ridiculous benefits). The CC prices are subsidized fairly and offer much more than most of the Silver plans for the rest of us.
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From: lovepuppet
2007-08-13 04:35 am (UTC)
i love how the state tells individuals what they can afford, even if one cannot afford it - and if one chooses not to make such a commitment they get fined/penalized which sets them back even further.
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