Affordable Care Act And Snowbirds

[2112]

I stumbled across this on Yahoo this morning and thought I would share.
The multistate dweller aspect never crossed my mind until I read this. Details yet to come.

Please don't let this become a political red vs. blue bashing thread, just posting information some may find interesting or informative:



You need to enroll in the ‘right’ state

Each state will have a health-insurance marketplace, and people must sign up for insurance in the state of their primary residence. Plans will include coverage for any emergencies that happen when you’re traveling out-of-state.

Snowbirds who split their time between states will likely have multistate plans to choose from on the marketplaces. Details for these plans will become available later this month, when the Office of Personnel Management announces the contracts, according to a spokesperson. Some may be regional plans that cover a large metropolitan area that crosses state boundaries. But it’s possible that a given multistate plan may not meet the needs of someone who spends, say, half the year in New York and the other half in Florida.

Currently, some snowbirds are served by what’s known as a “wraparound network,” whereby a claims-management company contracts with the primary insurer to lease a provider network that the insurer’s members can access when they travel outside the primary network area, said Terri Welter, principal at ECG Management Consultants, a Seattle-based consulting firm to the health-care industry. While it’s not clear yet, it’s possible this type of system may continue with some plans on the exchanges, she said.

If you move out of state, you’ll need to re-enroll for coverage in your new place of residence. A move will be considered a “qualifying life event” that will allow you to sign up for coverage outside of the open enrollment period..

[The_Texan]

wingsfan20 wrote:
The ACA does not impact any one on Medicare as far as exchanges are concerned. If you have Medicare, you meet requirement of the affordable care act.

Think again and do some research. If on Medicare, you will be REQUIRED to have a supplement in order to be in compliance with ACA and around here that is going to be expensive.

[lizbroughton]

Thanks, that is what I thought. We were ok with Medicare.

[wingsfan20]

The ACA does not impact any one on Medicare as far as exchanges are concerned. If you have Medicare, you meet requirement of the affordable care act.

[Us_out_West]

Here is some more info to be aware of;

My News 4 wrote:
RENO, Nev. (KRNV & MyNews4.com)--The Better Business Bureau says scammers are taking advantage of the launch of the Affordable Care Act.

Click for complete article.

[lizbroughton]

I don't see were it says Medicare. My insurance is from the state that I am registered in, even though I don't live there all year. It covered an out of state surgery for my husband. You must research things.

[Gale_Hawkins]

ACA brings a lot of change that we all will have to learn about. An article last week talked about in CA are reduced number to primary care doctors would be available for those signed up though ACA exchanges.

The best I can tell it will be at least 2020 before the dust will settle on what is what and what is not. A major change and it being political in nature just is going to take a long time and be tweaked along the way like Medicare.

[Cobra21]

All insurances want to know where you live.
Car, Home, Health, Life.

Insurance is always your enemy or best friend, not much in between!

[hitchup]

That's why I told DH he has to work until he's 66, because then I'll be 65 and we will both be on Medicare.

[n7bsn]

If I understand the article correctly, it's primary intent is for retired Federal employees (thus the reference to OPM).

But I'm certain many of the comments could apply to any full-timer/snow-bird