Viewing a single comment thread. View all comments

ghostlypyres t1_j4rttrp wrote

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

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

2

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.

1

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

2

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.)

2

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...

2