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Affordable Health Insurance In CA Question & Answers

2013 July 13
by Sarah Fields

Maria asks…

How do you get affordable Health Insurance in CA at age 64?

I moved from AZ to CA and I am retired but very little income. How can I afford to pay for health insurance? Are there any organizations that can suggest places to contact.

Sarah Fields answers:

California has Medi-Cal. It is the state assistance Welfare Health Care. Other than that you are not going to find affordable health insurance in CA at age 64 for under $300 a month. Keep your fingers crossed until you are eligible for Medicare (1st day of the month you turn 65) and get a good supplement (about $107 a month) or an HMO depending on the type of coverage you want. It will take effect the same day as Medicare. Sad situation, but one that faces many of my clients.

David asks…

I need help finding dental insurance in AZ?

I am on the state health insurance (ahcccs) but they do not cover individuals over 21 for dental..

I am in dire need of a cleaning & some fillings but don’t have the money to pay for these procedures..

How can I or what sites can I use to get dental insurance for low-cost?

Sarah Fields answers:

I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and they have saved me thousands of dollars over the years on all services. From cleanings, x-rays,exams..etc. They even had my extremely affordable plan active in 2 hours and was able to use them the very same day. Hope this helps.

Robert asks…

What do you think about government incentives for people to go into the health care field?

Not sure what to suggest, but there is a shortage of health care workers.

Sarah Fields answers:

There are problems that have nothing to do with a lack of qualified applicants:

Nursing schools routinely have waiting lists. QUALIFIED students can easily wait two or more years to get in to clinics. Incentives are not needed. More slots and more nursing schools AND not catering to full-timers who don’t want to handle afternoon or evening courses would correct the problem more quickly.

Med school–the system is set up to REQUIRE that 25% of all residencies be filled by IMGs–International Medical Graduates. Yes, we have LIMITED our slots in med school so that we can NOT fill the residencies beyond the 75% rate. A few states are pulling their heads out and opening up some more slots and branches–in AZ we now have a branch of the U of A med school in Phoenix. There are states with NO med schools. Again, we turn away MANY qualified med students.

So as you can see there is ZERO need for “incentives.” The system is not run correctly. Fix the defects and we will STILL have a surfeit of well-qualified students to become doctors, nurses, and in other health care fields.

However, while you asked, it is STUPID to subsidize ed the way we do. We pay for people to get worthless degrees–Women’s Studies or the like. If they want to pursue unemployable “fun” studies, let them pay their own way. Far more logical to make med school more affordable. Med students now tend to graduate with around $130K in student loans. Remember those loans are NOT dischargeable, even through bankruptcy. An internist averages $160K income in the States. Sounds good–but bang away at those loans, think of the multi-thousands in malpractice insurance, then overhead if he has his own practice, etc. And the hours worked. It’s not a great income. We SHOULD be doing something to reduce that financial burden. To an extent there is SOME relief possible, but there needs to be more. Logical things to do (and this should be the STATES not the feds) include: knocking off some student loan debt for students who go into NEEDED specialties and NEEDED areas (location) in the state. This is a useful incentive and helps everyone. Lord the government can’t shove enough millions up so-called “artist’s” butts for junk or cater to ridiculous tax deals for corporations so they’ll come to town, but for something that benefits the community, oh no! Let’s not use public funds for public benefit.

So those are the FACTS: you can think POLITICAL BS for the shortages–we have PLENTY of willing and qualified Americans being denied the career of their choice from poor policies.

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