Public charge for parents

[Boiler 45,519]

I would expect somebody working for a Hospital would have OK insurance, but it not a certainty, a very important benefit, a very expensive benefit and one most people would check on before deciding to take a job.

 

Most Companies will include spouses, but not all, sometime at no cost. Nowadays you do hear of spouses being charged the un subsidised cost, another important factor.

 

Presumably he will want to work, that may mean he would be expected to be covered by hos Employers plan and not yours.

[databit 328]

16 hours ago, Lemonslice said:

Qualifying quarters do not require full time employment. Many full time employees have schedules with less than 40 hours a week anyway.

 

Threshold is very, very, low:

https://www.ssa.gov/OACT/COLA/QC.html

 

 

Correct, but she must earn at least $440 a month for 10 years, at a job that is deducting Social Security and Medicare. But at that salary and work of 10 years, her SS benefit would be about $42.00 a month, which would not pay for Part B  Medicare. That's why I specified the word "free" Medicare.

[geowrian 22,337]

13 hours ago, Jorgedig said:

If you want to be a doctor, you will need to develop a cursory understanding of how insurance works.

Sometimes I wonder how true this is. I mentioned certain drug copays to mine recently (and I have quite good insurance) and she was shocked as they were standard procedure, potentially lifelong drugs.

 

5 hours ago, Boiler said:

I would expect somebody working for a Hospital would have OK insurance, but it not a certainty, a very important benefit, a very expensive benefit and one most people would check on before deciding to take a job.

 

Most Companies will include spouses, but not all, sometime at no cost. Nowadays you do hear of spouses being charged the un subsidised cost, another important factor.

Some (such as my RN wife's) charge a fee ($100/month) to join their plan if one qualifies for any other employer-sponsored insurance program. This is on top of the added premium for having a spouse.

[Just Paul 4,595]

5 minutes ago, geowrian said:

Some (such as my RN wife's) charge a fee ($100/month) to join their plan if one qualifies for any other employer-sponsored insurance program.

Yeah my wifes healthcare company charges $250/month fee.  Fortunately (?) I'm self employed.  I'm 52 and it was still $600 a month to add me and I still pay over $1000 a month for lifelong drugs. . .  still cheaper than ACA.  Thank goodness she wanted to work!

[Highmystic 234]

21 hours ago, databit said:

 

 

Including the time to immigrate, she would have to work a 40-hour week for 10 years, until she is well into her 70's, to qualify for full free Medicare and to receive Social Security income.

 

 

 

I am sure I read somewhere that a person does not have to be employed 40 hrs a week for 10 years.  It says "40 Quarters", and I believe that I read a person has to be "employed" at least part of the time in each of those 40 quarters.  Anyone?  Someone can be employed as little as one month out of each quarter and still qualify.

[Just Paul 4,595]

3 minutes ago, Highmystic said:

I believe that I read a person has to be "employed" at least part of the time in each of those 40 quarters

Correct.   I've had employees who worked one day and got credit for the quarter.

[SusieQQQ 11,586]

3 hours ago, databit said:

Correct, but she must earn at least $440 a month for 10 years, at a job that is deducting Social Security and Medicare. But at that salary and work of 10 years, her SS benefit would be about $42.00 a month, which would not pay for Part B  Medicare. That's why I specified the word "free" Medicare.

Thanks for the clarification. I knew there was an implication for Part B but wasn’t sure exactly how it worked. 

[Lil bear 4,215]

12 minutes ago, SusieQQQ said:

Thanks for the clarification. I knew there was an implication for Part B but wasn’t sure exactly how it worked. 

Oversimplified summary :

Part A covers hospital stays (80%) with upper annual limits on the number of days etc .. no monthly premium if you are fully vested into SS

Part B covers drs visits etc .. can be purchased through Original Medicare for approx $200?? per month or can be purchased through the equivalent of a Medicare marketplace policy 

Part D is prescription medication cover with set costs for designated drugs . Monthly premium payable 

So Part A is the only part that is “free” 

 

Edited August 11, 2019 by Lil bear

[Lil bear 4,215]

31 minutes ago, Paul & Mary said:

Correct.   I've had employees who worked one day and got credit for the quarter.

Credits used to be accrued quarterly .. hence the term 40 quarters .. but they are now assessed annually .. depending on income level, someone can earn 4 quarters   (maximum for one year ) in a month of working or less , if highly paid 

 

[Villanelle 4,122]

1

1 hour ago, Lil bear said:

Oversimplified summary :

Part A covers hospital stays (80%) with upper annual limits on the number of days etc .. no monthly premium if you are fully vested into SS

Part B covers drs visits etc .. can be purchased through Original Medicare for approx $200?? per month or can be purchased through the equivalent of a Medicare marketplace policy 

Part D is prescription medication cover with set costs for designated drugs . Monthly premium payable 

So Part A is the only part that is “free” 

 

Part B is 135.20 for everyone. If you make more you will pay more though, but no one pays less. You can also pay more by getting a private plan from the medicare marketplace thing. Part D can be free but you get poor coverage. Plans go from 5 to 150$ or more depending on what you need.

 

I think the biggest surprise for most people is learning what a donut hole is. 

[Lil bear 4,215]

6 minutes ago, Villanelle said:

1

Part B is 135.20 for everyone. If you make more you will pay more though, but no one pays less. You can also pay more by getting a private plan from the medicare marketplace thing. Part D can be free but you get poor coverage. Plans go from 5 to 150$ or more depending on what you need.

 

I think the biggest surprise for most people is learning what a donut hole is. 

Thx for the more accurate summary 

Yes ...part  D  donut holes from Medicare are definitely not the pleasant experience that they are from Dunkin Donuts! 

[Fe.Ta 874]

Would this also affect tourist visas for family?  Or is this just when you are trying to bring family to permanently live here?

[StaGor 26]

I know this is a hot topic but I would not panic at the moment if I had a pending I-130 application. As we know, I-130 denial would have to state a precise and concrete evidence of circumstances for such denial. If we go about the "public charge" rule, I believe it can not be applied retroactively to pending applications. Below is a short extract of the full memo that USCIS has sent out yesterday:

Except for in the State of Illinois, USCIS will only apply the Final Rule to applications and petitions postmarked (or submitted electronically) on or after Feb. 24, 2020. For applications and petitions that are sent by commercial courier (e.g., UPS/FedEx/DHL), the postmark date is the date reflected on the courier receipt.  The Final Rule prohibits DHS from considering an alien’s application for, certification or approval to receive, or receipt of certain non-cash public benefits before Oct. 15, 2019, when deciding whether the alien is likely at any time to become a public charge.

While this does not mean that public charge issues are not being assessed at all - however we should not expect any changes from how the business has been done up until today.

Brace yourselves, fellaz, and good luck to those applying after Feb 24th.

[SalishSea 17,829]

7 hours ago, Fe.Ta said:

Would this also affect tourist visas for family?  Or is this just when you are trying to bring family to permanently live here?

There is no financial sponsorship for tourist visas.

[SalishSea 17,829]

On 8/11/2019 at 4:50 PM, Villanelle said:

1

Part B is 135.20 for everyone. If you make more you will pay more though, but no one pays less. You can also pay more by getting a private plan from the medicare marketplace thing. Part D can be free but you get poor coverage. Plans go from 5 to 150$ or more depending on what you need.

 

I think the biggest surprise for most people is learning what a donut hole is. 

I think there are also some higher premiums/fees for those who fail to sign up for anything except for part A in a timely manner, like my father 🙄.