Healthcare for GC Holder

[Diamondgeezer 7]

Hello

 

something came up in conversation today and it got me wondering........ if a GC holder has a US citizen spouse who is on disability is that GC holder entitled to any healthcare benefits also under that same diability plan? regarding healthcare insurance?  or would they be subject to the same order as other GC holders? at a loss with this one

 

general ideas welcome thank you

[Villanelle 4,122]

Nooooooo.lol.

Disability is given by social security admin. After getting disability for one year the USC can get medicare. SSA will deduct premiums from the disability for this. The medicare is ONLY for the disabled USC. Their spouse or children will have to have their own insurance regardless if they are USC or LPR. Only elderly and disabled can get Medicare.  Its NOT a family plan.

There is another program called Medicaid. That is for low income people. LPRs are generally not able to get Medicaid for the first 5 yrs they are LPRs because Medicaid is funded by federal funds which prevent them from being used by LPRs for the first 5yrs. However some states use state money to fund their medicaid programs and allow LPRs to qualify- Confused enough??

 

[Diamondgeezer 7]

10 hours ago, Damara said:

Nooooooo.lol.

Disability is given by social security admin. After getting disability for one year the USC can get medicare. SSA will deduct premiums from the disability for this. The medicare is ONLY for the disabled USC. Their spouse or children will have to have their own insurance regardless if they are USC or LPR. Only elderly and disabled can get Medicare.  Its NOT a family plan.

There is another program called Medicaid. That is for low income people. LPRs are generally not able to get Medicaid for the first 5 yrs they are LPRs because Medicaid is funded by federal funds which prevent them from being used by LPRs for the first 5yrs. However some states use state money to fund their medicaid programs and allow LPRs to qualify- Confused enough??

 

Thank you for the information very informative. My pal wants to get some private healthcare going. As a new GC holder he has been given quotes around $200  a month plus $5000 deductible? Does that even seem reasonsble? 🤷‍♂️

[Villanelle 4,122]

Google says-Average premiums and deductibles nationwide for unsubsidized shoppers: Premiums for individual coverage averaged $440 per month while premiums for family plans averaged $1,168 per month.

 

Employment based ins-  Avg annual employee premium in AZ employer-sponsored plan (after employer contribution): $1,283. Avg AZ hospital cost per inpatient day (before insurance)$2,485.

[Umka36 781]

3 hours ago, Diamondgeezer said:

Thank you for the information very informative. My pal wants to get some private healthcare going. As a new GC holder he has been given quotes around $200  a month plus $5000 deductible? Does that even seem reasonsble? 🤷‍♂️

I see that insurance plan as more catastrophic coverage due to the high deductible. He should check around for better deals if he can. Having to not only fork over $200 a month, and on top of it pay $5k out of your pocket before they start covering does not sit well with me. Is there a co pay or coinsurance on top of that plan?

 

I've been extremely lucky to get coverage through my employer and will be switching plan next year. It going to cost me a little over $100/month and the individual deductible is $125/family is $375 along with 15% coinsurance. One of my staff complains that the insurance option we have sucks, but they don't realize how expense it really could cost them.

[Diamondgeezer 7]

7 hours ago, Damara said:

Google says-Average premiums and deductibles nationwide for unsubsidized shoppers: Premiums for individual coverage averaged $440 per month while premiums for family plans averaged $1,168 per month.

 

Employment based ins-  Avg annual employee premium in AZ employer-sponsored plan (after employer contribution): $1,283. Avg AZ hospital cost per inpatient day (before insurance)$2,485.

Yes i am one of those people who googles everything until i actually need too lol, thank you so much for your input

[Diamondgeezer 7]

6 hours ago, Umka36 said:

I see that insurance plan as more catastrophic coverage due to the high deductible. He should check around for better deals if he can. Having to not only fork over $200 a month, and on top of it pay $5k out of your pocket before they start covering does not sit well with me. Is there a co pay or coinsurance on top of that plan?

 

I've been extremely lucky to get coverage through my employer and will be switching plan next year. It going to cost me a little over $100/month and the individual deductible is $125/family is $375 along with 15% coinsurance. One of my staff complains that the insurance option we have sucks, but they don't realize how expense it really could cost them.

it does  come with a co-insurance no, thank you for your input, i agree with you that policy is almost a contradiction in terms... so you pay $200 to join the club and then pay $5000 to stay in the club, logic doesnt even seem right with that one

[Randyandyuni 2,682]

On ‎10‎/‎31‎/‎2018 at 12:04 PM, Diamondgeezer said:

Thank you for the information very informative. My pal wants to get some private healthcare going. As a new GC holder he has been given quotes around $200  a month plus $5000 deductible? Does that even seem reasonsble? 🤷‍♂️

I have work based insurance for family I pay $235 twice monthly with a $4500 deductible, so for unsubsidized to me, that sounds pretty good

[Umka36 781]

4 hours ago, Randyandyuni said:

I have work based insurance for family I pay $235 twice monthly with a $4500 deductible, so for unsubsidized to me, that sounds pretty good

That stinks on the cost vs. benefit that's provided with your work based plan. Guess it's better than nothing.

[Randyandyuni 2,682]

7 minutes ago, Umka36 said:

That stinks on the cost vs. benefit that's provided with your work based plan. Guess it's better than nothing.

Worse yet I work for an insurance company

[Umka36 781]

8 minutes ago, Randyandyuni said:

Worse yet I work for an insurance company

Ouch. I have a colleague whose wife works at an insurance company as well and they ended up getting it at our workplace instead do to the cost/benefit.

[Randyandyuni 2,682]

Lol sad state of affairs, our insurance continues to get worse since Obamacare, I think it's coincidental but wish I had options 

[jay9475 46]

It's indeed insane. With my work's insurance, I pay 25%, they pay 75% of the monthly premium. As single, I pay 75.00/month. But when my fiance gets here, it'll go to 500/month.. yikes! And to think, 500/month is only paying 25% of the cost  And to top that off, I have a 2500 deductible, but preventive care is free. As long as nothing major happens, it's not too unbearable, for now