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ghostlypyres t1_j4rnjih wrote

Reply to comment by bostonchef72296 in Help Finding Health Insurance Coverage by ananas33333

That makes a lot of sense, thank you for the reply. I'm glad to hear that at least the process sounds straightforward once we actually have a Mass address.

Are EPOs really the only option though? Even if the network is large or generous, it's a bit strange I think.

It's also a bit troublesome finding quotes online, most sites seem to just exist to harvest your information. That's part of why we're trying to find out in advance, in order to be able to budget. Coverage for 2 people seems to range wildly between like $400 and even $1600, and it would help vastly to Joe what to expect...

Thanks again for the reply!

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bostonchef72296 t1_j4rq4dw wrote

Of course. So, it ranges so much because there are different coverage options, and the amount of the subsidy, like in California (I presume, I haven’t lived there) depends on your income. You can pay as little as zero dollars (for Masshealth which is our Medi-cal) or for the tier 1 connectorcare which is not Medicaid but may as well be- it is very cheap copays and no deductible. If you make a higher income than that you get put to tier 2 which when I was on it for the cheapest option was around $88 (but there was an option that cost $300+) for one person and I have never experienced tier 3.

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ghostlypyres t1_j4rr7kg wrote

Thank you. My understanding of connectorcare is it's kind of like a subsidy based on income?

I actually remember coming across this, but it didn't sink in exactly what it meant. Do you know how they calculate your annual income? If it's hourly wage x 2080, or if they look at your paystubs and math it out from there... And is it pre- or post- tax?

I know I could probably maybe find this myself if I dug hard enough, and you've already been a great help, but I'd really appreciate it 🙏

Edit: my understanding of the subsidy thing is due to the preview option on mahix, which says we qualify for a tax credit and says connectorcare plan type etc etc... But of course that's based off of the very rough estimate of income I put in

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bostonchef72296 t1_j4rs17q wrote

Yes it is a subsidy based on income. The application asks you what your hourly wage is, how many hours you work in an average week, but also if your hours are consistent and what you expect to make in a year, to account for seasonal work differences. If you are salary you can just put in your salary. It is pretax income.

I am more than happy to help because when I had to do it my first time I was SO CONFUSED and I would have loved for someone to have helped me

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ghostlypyres t1_j4rttrp wrote

Got it, thanks a bunch! I'd remembered that the site had that preview of what credits you qualify for, and that's where I'd seen the type whatever connectorcare. Using the info you gave me I re-calculated my current annual income (which I suppose unfortunately is a bit more than last year haha), and it shows that whole I don't qualify for connectorcare, I qualify for "Health Connector Plans with Advance Premium Tax Credit," and the subsidy it shows is only about $100 less than the connectorcare one, so that's not bad if it works the same way, I think!

If it's not too much to ask, would you mind if we possibly sent you a message in the future when it's actually time to apply, in case we need it? I totally understand if you'd rather not! You've actually done a lot to clear up my anxieties around this stuff already

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bostonchef72296 t1_j4rubkt wrote

that means that you’ll get some sort of subsidy. I may have worded mine not quite the same way the government does. But sure! Feel free to message me when you do apply. I’ve applied loads of times and some of the questions can be confusing on your first time. My fiancé just turned 26 this year so I did his application for him with his financials. He was overwhelmed. It took me 15 mins but would have taken him an hour.

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ghostlypyres t1_j4rux9s wrote

Gosh, thanks lots! I appreciate it. I just applied for health insurance for the first time in general here in CA and it took over an hour... But then looking at MA, and now with my fiancee on the plan instead of just myself, it sent my head spinning.

15 mins from an hour though, you've got it down pat haha

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bostonchef72296 t1_j4rwbdm wrote

Oh, I’m an expert at this point with MA health connector. But damn, I qualified for Medicare from being disabled this year and that sent MY head spinning! Everything was so different! All of a sudden I had two insurances and then there’s Medicare advantage plans, part d coverage, One care plans, etc. and I had no idea what I was doing. Not a single bill from Sept 1 2022 when I started Medicare to Dec 31 got correctly billed because Medicare had an ancient insurance on file and I had to spend tens of hours on the phone to figure out what was wrong and fix it. Some of those bills still ain’t right. Needless to say I wrapped my Medicare and Medicaid together into one plan (onecare) for 2023. (That may have made absolutely no sense to you and that’s exactly what it felt like to me when I learned about Medicare for the first time.)

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ghostlypyres t1_j4ryjgf wrote

Oh my god. That sounds like a total nightmare tbh, I wouldn't even know where to begin with that stuff. I'm glad it sounds like you've almost got it sorted for this year though! My work entails a lot of contact with Medicare patients, but thankfully I don't need to know anything about it other than if they have it or not...

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