I am a young man on Medicare (yes, Medicare; I am disabled). I take Medicare-provided transportation to a daily mental health program to which I go. There are other transportation options, like public transportation, available, but the Medicare-provided is the best. I am worried about what will happen if I ever get off Medicare and have to pay for a standard health insurance policy. Will the fact that I charged so much transportation costs to my insurance in the past make me pay higher premiums were I to apply for a standard health insurance policy?
Will Charging More Raise Premiums?
- Thread starter J26781
- Start date
- 3,384
Under the current system (Obamacare) you could not be charged a higher premium regardless of benefit utilization under the new plan nor under previous coverage.
- Thread starter
- #3
- 2,623
Yeah, go right to the horse's mouth. Here's a link to the Affordable Care Act website:
https://www.healthcare.gov/
I'm sure you'll find confirmation in there someplace.
No others responded because dave20 answered it correctly. You would pay the same rate as your healthy neighbor of the same age. (ACA Law / Obamacare)
- Thread starter
- #6
Is it true that this was true under the former system as well? I don't want to be stuck if Obamacare gets overturned (although I'm aware this is not going to happen under the current administration).
If you worry about what the future will bring, you either will need to run for office or find a crystal ball. Its impossible to answer your question to your satisfaction, there are no guarantees for this moving forward.
Personally, I think you have a moral responsibility to the taxpayers of America to do your part in keeping your medical care costs to as low as practical. If you need the transportation, great, use it. If you can use public transit, then by all means use that. This judgement call is in your eyes, apparently medicare feels your disability warrants at least the opportunity to use it. I'm not disagreeing with that.
If for some reason we went back to 10 years ago, your disability would probably play a bigger role in you finding insurance then the cost of medical transportation.
Dan
Personally, I think you have a moral responsibility to the taxpayers of America to do your part in keeping your medical care costs to as low as practical. If you need the transportation, great, use it. If you can use public transit, then by all means use that. This judgement call is in your eyes, apparently medicare feels your disability warrants at least the opportunity to use it. I'm not disagreeing with that.
If for some reason we went back to 10 years ago, your disability would probably play a bigger role in you finding insurance then the cost of medical transportation.
Dan
