As I approached my 50th birthday, I received 15-20 applications to join AARP from my co-workers. I assumed they were just being children. However, on my 65th birthday, I received a notice from my insurance carrier telling me they were no longer my primary insurer but they would like to be my supplemental carrier. SSA sent a companion notice within the month. The same phenomenon occurred when my wife reached 65.

Within the notice was the fact that our Medicare premium would be subtracted from our SS checks. Most of our SS contribution comes from our self employment tax payment and my wife’s small business income was small. Our “contributions” were $96.40 each in 2011, rising to $104.20 in 2012, $120.20 in 2013 and $247.00 in 2014. It is comforting to know that candidate Obama said Obamacare wasn’t going to cost us any more.

We are even more comforted to know that the Independent Payment Advisory Board will judge the benefit/cost ratio of our health care and determine our eligibility. It is important to know that I had a type IIIB aortic dissection. The Merc Manual said I had an 8 percent chance to last to 2007. Since I am past my “use by” date, I have to say I want Obama Care repealed.

My consolation comes from my co-workers who tell me, “Only the good die young. You should go at least to 120-125.” Perhaps, from the mouth of children.

Richard W. Lemke

Davenport

(17) comments

senor citizen

Twiggy, to obtain my prescriptions at no charge I must get them from my assigned clinic. Therefore I must have orders from the government doctor to pick them up. Fortunately I have yet to have one doctor contradict the other. You'll get a good grasp on the Affordable Health Care Act once it's in place.Maybe you'll like it, but like a sausage with a 2200 page recipe nobody really knows what's in it.

twiggy
twiggy

Thanks for the explanation, glad it's working for you. I know I will like the ACA, and I get to keep my doctor. :-) I'm actually planning to visit Costa Rica in the new year, can't wait!

geniekcl

If you are against the Affordable Care Act because you hate President Obama, no one will be able to change your closed little mind. But, if you've been against it due to the misinformation of Fox & friends, you owe it to yourself to get the facts. - A good place to start is at: http://www.healthreform.gov/reports/medicare/index.html
Traditional Medicare is (& always has been) what's called "single payer" insurance. Its overhead is @ 4 1/2%. Medicare Advantge is "private" insurance, paid for by the government, which costs @14% more, mainly due to profits & administrative costs. The $'s that were 'removed' from Medicare were those overpayments to private providers; BUT, the savings were put toward more benefits for seniors... i.e. to closing the donut-hole & early intervention screenings/ treatment. Obamacare does not cut seniors' benefits. It SAVES & PROLONGS Medicare's solvency by eliminating wasteful spending. (For one: it makes Advantage Plans pay 85% of each dollar taken in toward seniors' care.) Independent, non-partisan appraisers warn that repeal of Obamacare will both hasten Medicare's insolvency and add to seniors' annual costs. -- Now, believe what you want, but those are the facts.

senor citizen

Twiggy, I thought I explained that the government chooses your doctor. When one is chosen for you there is a choice, take or leave it.

twiggy
twiggy

You did explain. And I understand perfectly. My question was, and still is, why use him if he is a bad doctor? You said many don't use universal health care, and that you use a "private" doctor to check on your doctor. Why on Earth do that? If you end up going to a private doctor to check on the "free" doctor, why not just skip a step and go to the private doctor to begin with. Makes sense to me. And I am not being facetious when I say you deserve good care. I mean it, and hope you are getting it.

senor citizen

Twiggy, I have been on the "universal healthcare" only for 9 months as you must be a legal resident with a resident iD card to get the plan, which is mandatory for all legal residents. The "universal healthcare" must be paid up to obtain any benefits. They choose your doctor and what clinic you will use, usually based on your barrio. The wealthy and the politicians use the private doctors and hospitals. I use a private doctor to check on my government provided doctor. Be careful what you wish for.

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twiggy
twiggy

So, you don't like your health care? Is your doctor a bad doctor? If you don't like him why use him at all? You deserve to be taken good care of.

waldo
waldo

First, mr. Lemke's complaints about Medicare have nothing to do with Affordable Healthcare/Obamacare. His private insurance based his working premiums on their being able to shunt their seniors over to Medicare and only cover the 20% that Medicare does not cover. His working premiums would have been significantly higher if his insurance covered seniors. He should contact his insurance company to see how much his permium would be without Medicare.
Second, Medicare has a set payement for each medical procedure. A doctor might bill 5,000 for an operation but Medicare recognize only 1500 for the procedure and pays 80% of that. Without Medicare the insurance or patient would be billed 1,000 but with Medicare only 300. Insurance companies may make their biggest profit supplementing Medicare. Mr.Lemke needs to be sure his doctor accepts Medicare or he will be charged the difference.
My insurance premium for Medicare primary is 411.33 a month and without Medicare would be 1,477.91. for the same coverage. How many seniors could afford 17,734.92 a year for health insurance?

Klaatu
Klaatu

Obamacare is full of lies. The first lie was that it was going to save money. Premiums have already went up by about 3K a year because of all the mandates and next years premium increases are going to be 19%. Remember the Liar in Chief telling you that you can keep your plan if you like it? LIAR!! Tell that to people in DC, who found out last week they can only get health insurance through the government exchange. Big lies, all told to cram through a takeover of health care by the government. We have a Marxist president who intends to control everything at the Federal level.

twiggy
twiggy

already GONE up, not "went" up. One of my pet peeves. Premiums have risen, yes, but at the lowest rate in 10 years. Thank you ACA. 19% next year? You listening to those voices in your head again? Pay them no mind, they aren't real. Why is it you seem so determined to see this country collapse? Really, I am interested. Things are getting better, yet you seem to have your entire life vested in the idea that things are going to Hades in a hand basket.

aequitas
aequitas

My premium has gone down, and it's the same plan that I have had for years. Sounds like you just need to shop around a bit more in the private health insurance marketplace that "Obamacare" retained. That's all that an "exchange" really is: a marketplace.

senor citizen

I love Obamacare so much I moved to another country. I pay no Part B as Toy578 mentioned. I do pay $50 a month for all of my medical care, including prescriptions. 2013 premiums will be announced after the election for Medicare.

twiggy
twiggy

Lucky you, universal health care is great, isn't it? I wish we had it.


Be honest, you've been in Costa Rica since way before Obamacare.

Toy578

When you received your notice at age 65, you could have denied Medicare Part B and shopped the market for a private policy. Your premium information is not accurate. 2012 is $99.90. 2013 has yet to be announced. Most seniors recognize Medicare as a blessing. Obamacare provides increased opportunities for preventive care for seniors. It also assists with payments for prescriptions once you are in the donut hole. There is nothing in Obamacare that hurts seniors. That's why it is supported by AARP and seniors who know and understand it.

Klaatu
Klaatu

AARP sold their support for about 4 billion dollars in insurance business. Their membership hates Obamacare and doesn't support it. Tell those senior how wonderful it was to take over 700 billion out of Medicare and spend it on Obamacare.

twiggy
twiggy

How do you know all this stuff you spout off about? Does a voice in your head tell you? A little birdie? You sure don't get the info from any reliable sources, where do you come up with it? Seriously, I am fascinated.

Doxie1A
Doxie1A

Richard, it's too bad that more folks have yet to wake up to the fact that you so well state. Obamacare is a money hungry nightmare of the most extraordinary proportions; and since you mentioned AARP, that outfit is a contributor to liberal causes and fully endorsed obamacare. AARP says they're on the side of the seniors---oh sure they are---...what a terrible trick to pull on seniors by touting obamacare when it was coming up for vote. If you've read, thoroughly, the section on care and treatment, you'll see that, under the frosting, obamacare isn't any favor to seniors.

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