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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 03:00 AM
Original message
How do I know if "ObamaCare" can help me?
I don't know how to apply and thought this would be a good place to ask. I am a single, childless male in my early thirties. I make about $10 an hour and work only about two days a week because I am taking care of my mother who has small cell lung cancer.

Will the new health care law help me?
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Poll_Blind Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 03:02 AM
Response to Original message
1. Check out this website from the government:
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 03:10 AM
Response to Reply #1
6. Thanks for the quick response.
This is why I asked on DU.

So the law does not actually take effect until 2014, or did I read that wrong?
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Poll_Blind Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 03:16 AM
Response to Reply #6
9. Certain portions of the law have already kicked in, and certain states are pursuing their own...
...implementations. So understand that you probably aren't going to get an all-encompassing answer on one site. If I were you, tomorrow, I'd back up what you find tonight by speaking with local government in your area and see if they can help you develop a package of local/state/government services which can help you the most.

PB
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steve2470 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 03:04 AM
Response to Original message
2. Call it the Affordable Care Act of 2010
Obamacare is RW framing. Just a helpful hint.
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 03:06 AM
Response to Reply #2
4. OK
That's why I had it in quotes. Thom Hartmann says he is ok with calling it "ObamaCare". I agree with you though.
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steve2470 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 03:12 AM
Response to Reply #4
7. Hartmann is ok with it ?
Ok, I stand corrected. Part of the law is in effect now, but the individual mandate part (where everyone must purchase health insurance) does not go into effect until 2014. PollBlind gave you a good link. Good luck to you ! :)
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Liberal In Texas Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 06:08 AM
Response to Reply #7
19. Thom is a national treasure, but I don't always agree with how he
characterizes everything. "Obamacare" is a RW branding in attempt to equate it with "HillaryCare" that they had success in killing in the Clinton years. It's not really care at all, but an insurance reform scheme that has some positive aspects and some negative ones.

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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 07:11 AM
Response to Reply #19
25. I'm pretty sure Thom acknowledges that it's a RW branding, but he embraces it anyway.
Edited on Fri Aug-05-11 07:45 AM by zinnisking
I forget how he explained it but I think he is proud of the positive aspects and wants Obama to get the credit for it. It's a Switch A Roo on Frank Luntz (sp?).

............


Wow. I just read another OP that says the term "Obamacare" is *very offensive*. I will be more sensitive to it in the future. I imagine some people can't get past the subject title here. It's understandable.
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 03:08 AM
Response to Reply #2
5. oops. delete
Edited on Fri Aug-05-11 03:11 AM by zinnisking
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Creideiki Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 06:54 AM
Response to Reply #2
24. I prefer the Health Insurance Reform Act of 2010
Since it's focused on the insurance side and not the care side.

Then again, there are actual doctor's and nurses who are paying attention: http://madashelldoctors.com/
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Erose999 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 08:04 AM
Response to Reply #2
26. Well it is a plan that originated with the Heritage foundation. A RW framing for a RW plan. Works

for me. Obama owns this one, its not what I advocated for or supported.
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Erose999 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 08:06 AM
Response to Reply #26
27. If you don't like "Obamacare" you can also use "Romneycare v. 2.0". Its all futuristic and

alphanumerical. Like iPods and shit.
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pnwmom Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 03:06 AM
Response to Original message
3. It sounds like you should be able to qualify for Medicaid.
This law contains subsidies for those who make too much to qualify for Medicaid, but I think you would qualify. Have you looked into that?
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 03:13 AM
Response to Reply #3
8. I haven't looked into that.
Edited on Fri Aug-05-11 03:16 AM by zinnisking
I always assumed Medicaid was for low income people who have children.
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pnwmom Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 03:23 AM
Response to Reply #8
10. You might be right, but I had another thought.
Edited on Fri Aug-05-11 03:30 AM by pnwmom
A friend of mine had a mother on Social Security and SSI. My friend easily got a certificate as some kind of nurse's aid, and then the state paid her to take care of her own mother. This was a win-win situation because it was cheaper for the state than if Medicaid had to put the mother in a nursing home. And it compensated my friend for the fact that she couldn't earn money at another job while she was caring for her mother.

I know this doesn't answer your initial question, but I thought this might be worth mentioning.

(I see that someone above already posted the link to the government's web site on the health care program. Good luck!)
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 03:47 AM
Response to Reply #10
11. That we are actually looking into now.
My mom will be starting the process of applying for long term disability next week. (I assume that is through SSI?)

Right now she has private health insurance through her job. But as soon as she is off of work for a total of four months, they fire her. And there goes her health insurance (even if she was allowed to stay on the health insurance plan, she wouldn't be able to afford the premiums without an income).

I asked a lady at the chemo treatment center today if she had any knowledge about the home care taker thing, and she said that it is a state thing and right now there is probably a "waiting list".

What you are talking about is more what I was thinking. When she is on SSI I think Ill qualify for that nurses aid funding. And that I'm sure is a federal thing, no?
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pnwmom Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 05:45 AM
Response to Reply #11
15. Would she qualify for COBRA for 18 months after losing her job?
Edited on Fri Aug-05-11 05:47 AM by pnwmom
Those payments are lower than what you'd have to pay on your own -- I know, though, that she might not be able to afford even that. Maybe you should look into it though, just to see what the amount would be.

From what I can tell, each state has its own peculiarities about Medicaid. Here is the Federal Medicaid site, with information about eligibility. There are also links to state programs.

https://www.cms.gov/MedicaidEligibility/02_AreYouEligib...
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 06:00 AM
Response to Reply #15
18. hmm...I'm not sure.
Edited on Fri Aug-05-11 06:01 AM by zinnisking
Honestly, I'm not even sure what COBRA is right now, but I'll look it up.


The people at the cancer center are VERY helpful and they are going to help her to apply for the total disability (at least I think that's what they said it is. I assume it's SSI). It sounds like it won't be a problem.

So, while the survival rates for small cell lung cancer are not good, I don't think she will have any problems with continued insurance coverage

I was actually asking about health insurance for myself because I have almost zero income right now. I am still looking at Poll Blind's link.
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pnwmom Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 06:30 AM
Response to Reply #18
22. I was disappointed to see -- and shocked and disgusted --
that your impression about Medicaid appears to be right: that it is for the young and old and disabled, but not single people like you. However, the new plan is supposed to offer subsidized care for low income people and you certainly are low income. I think I heard that the cost is supposed to be no more than 8% of your income -- which you probably can't afford either. Could your siblings help you with that, since you're stepping forward for your mother?
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 06:48 AM
Response to Reply #22
23. From what I read at healthcare.gov
Edited on Fri Aug-05-11 06:51 AM by zinnisking
the subsidies don't kick in until 2014? Did I read that right? So as long as I don't get sick until then.

I could manage 8% of my income. The money that I do make, I am very good with. Medicare for all would be ideal. But, at least for me, 8% of my income would not be completely hopeless.
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DesertFlower Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 04:45 AM
Response to Reply #3
12. self delete.
Edited on Fri Aug-05-11 04:47 AM by DesertFlower
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Tanuki Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 05:12 AM
Response to Original message
13. Check out www.needymeds.org
They have listings of free and low-cost clinics all across the country, as well as affordable resources for specific illnesses and medications. This might tide you and your mother over until you have something else arranged.
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 05:42 AM
Response to Reply #13
14. Thanks Tanuki.
bookmarked.

My mom is covered pretty well.

If I become seriously ill, I'm in trouble. We had a great program in Wisconsin called Badger Care Plus that covered childless single adults. Even before we had a Republican governor, there was a waiting list for new applicants. Now that we have Walker, it is hopeless.

I knew that if I asked here, I would get some information that might help me.
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 05:54 AM
Response to Original message
16. good luck my friend
my biggest beef right now is the lack of affordable medical treatment..
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pnwmom Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 05:56 AM
Response to Original message
17. I forgot to say . . .
Edited on Fri Aug-05-11 05:57 AM by pnwmom
I'm sorry about what you're going through with your mother. We lost my m.i.l. this winter to cancer, so I know what that part's like. But her medical expenses were covered by Medicare and her supplemental policy, so she was okay financially. I'm sorry it's so much worse for you.

FWIW, you're a wonderful son!

:hug:
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zinnisking Donating Member (294 posts) Send PM | Profile | Ignore Fri Aug-05-11 06:17 AM
Response to Reply #17
20. Thank you so much.
Edited on Fri Aug-05-11 06:29 AM by zinnisking
She was diagnosed with cervical cancer last year. We went through the chemo, radiation, and external radiation. A year after her last treatments the cancer showed zero signs of recurrence.

Then two months ago, while she was riding her horse, she was bucked off and fell to the ground. Weeks later, she felt major pain in her side and went in to to get x-rayed. That's when they found the lung cancer (completely unrelated to the cervical cancer, of course).

She doesn't know that she probably won't be here in one or two years. She keeps talking about getting cured again. It is heartbreaking. But we don't want her to be completely spiritless. The doctor did tell her that the survival rate is only 20% (which is actually way higher than it actually is, at least from what I've read from all the top cancer sites).

My older sister and brother are also wonderful and if I didn't have them, I would be lost.

Thank you so much, again, and I am sorry for your loss. I wouldn't wish this kind of pain on my worst enemy.

May I ask what kind of cancer your MIL had?
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pnwmom Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Aug-05-11 06:25 AM
Response to Reply #20
21. She also had had two kinds.
Nine years ago, she was successfully treated for colon cancer, but two months after the surgery they diagnosed her with breast cancer. That went into remission after drug treatment, but finally came back last fall.

I'm glad to hear that you have siblings to help you get through this. But please do your best to take care of yourself, too. I know what a strain it can be -- though, as I said, we had the optimal circumstances, since she had enough resources to get good care. I'm sorry that you have to worry about money on top of everything else. It's not fair.
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