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The Senior Citizens League (TSCL) Provides 4 Questions All Seniors Should Ask To Prevent Unexpected Obamacare Costs
Date:1/6/2014

enrolled in a new Obamacare exchange plan, you need to pay the first premium right away, usually before January 1st for coverage to start by that date. If it’s been more than two weeks since you enrolled, and you haven’t received your new welcome kit and membership card, call the insurer immediately. Have a copy of the name of the plan and confirmation number that you received when you enrolled handy. To be charged correctly for health care services and prescriptions, your doctor or pharmacy needs a copy of your plan membership card.

3.    How much is your plan’s deductible and how does it work? A deductible is the amount you pay out – of – pocket before your health plan coverage kicks in. Many of the new Obamacare plans with the lowest premiums, come with steep deductibles — as much as $6,000. If you have a health condition that requires frequent visits to the doctor and tests, this could leave you paying for most of your care out – of – pocket. Learn how the deductible in your plan is applied. Some plans apply the deductible up front to all services and prescriptions but others may apply it only after a certain number of visits to the doctor or to the more expensive non-preferred and brand name drugs.

4.    Are you paying a higher premium than you expected? Many people who enrolled in an Obamacare plans have learned that they aren’t entitled to a premium subsidy as high as they thought they would get, and they must pay higher premiums. If this happens you can appeal, but that takes weeks to get a determination. Try shopping again to see if there are alternate choices now before Obamacare Open Enrollment ends on March 31, 2014. Seniors in Medicare Advantage and Part D plans who are having trouble affording their drug costs can apply for Medicare “Extra Help,” a program that provides low-income seniors with assistance that covers part or all of premiums and out – of – pocket costs. Seniors can a
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