NLIC.org

Ivan Said:

dropped medical insurance coverage?

We Answered:

Why was the premium to be reduced? That is not normal. If the policy was cancelled for nonpayment of the actual premium, you're going to have to pay to catch up.

Additionally, you should consider filing a complaint with your state insurance commissioner.

Christine Said:

Questions regards Medicare and State High Risk pool=Indiana?

We Answered:

First off, Part C is the Medicare Advantage plans. Medicare Advantage plans and Medicare Supplements are two different products and they work differently.

When he turns 65 he can get either a Medicare Advantage plan (most of which also include Part D coverage) or a Medicare Supplement with a stand-alone Part D plan. Both are guaranteed issue at age 65, meaning he cannot be turned down. The only reason I can see for being on the high risk pool and Medicare is if for some reason a person doesn't have Part B, or if they are under 65 with ESRD and cannot get a Medicare Advantage plan.

With a Medicare Advantage plan he can change plans each year only during open enrollment from November 15 to December 31 and he cannot be turned down unless he has ESRD. Medicare Advantage plans generally have a lower premium but he will have a co-pay each time he uses medical services.

With a Medicare Supplement he can possibly change plans at any time; but after the guaranteed issue period at age 65 he can be turned down or charged a higher premium. The Supplements generally have a higher premium but he will have no additional costs when using medical services in most cases.

The premium of $96.40 is the Part B premium and must be paid no matter what additional coverage he'll have.

Clarence Said:

Did obama break "read my lips promise"?

We Answered:

Folks bought the snake oil, time to suffer the hangover!

Greg Said:

Was Not ObammyCare supposed to end this practice?

We Answered:

Someone has to pay for California's 5-7 million illegals. Don't believe the govt/media's BS number of 12 million illegals nation-wide.

Carl Said:

Which of these nine components of the House health care reform bill do you approve of?

We Answered:

1,2,5,6,7
ALL FOR them ...

NOT for punishing people who can't afford health care, not for expanding Medicaid (which grants benefits to illegal immigrants in several states), Not for more benefits for retirees (I already pay 7% to Social security wtf?!)

All of you rich yuppies (or teenage idiots who don't support yourselves) who are totally against this reform will probably change your mind when you are diagnosed with stage 3 cancer and immediately dropped by your current provider. Have some compassion! We need this ... get with the program or move out of the US = we don't want you here anyways.

Manuel Said:

Wow is this true about health care?

We Answered:

True? Yes.

Isn't it interesting that Obama ran on the promise of "change" and that no one in the media asked "change in what and to what" and now he wants to control 14% of our economy? Any opposition to this is branded "Republican right wing" opposition, but, in many cases it is just senior citizens interested in what will happen to them.

How can the people of Massachusetts live with themselves as they keep electing Barney Frank and Ted Kennedy and John Kerry? Well, I guess there is some California in them.

Regards,
Dan

Marshall Said:

Why would any senior citizen support Obamacare?

We Answered:

They have a death wish?