Welcome, Guest. Please login or register.
March 29, 2024, 02:58:09 am

Login with username, password and session length


Members
  • Total Members: 37614
  • Latest: bondann
Stats
  • Total Posts: 772947
  • Total Topics: 66310
  • Online Today: 741
  • Online Ever: 5484
  • (June 18, 2021, 11:15:29 pm)
Users Online
Users: 1
Guests: 543
Total: 544

Welcome


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Do I Have HIV?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: ADAP and gay marriage  (Read 10238 times)

0 Members and 1 Guest are viewing this topic.

Offline m4jj4m

  • Member
  • Posts: 10
  • Diagnosed October 2003
ADAP and gay marriage
« on: January 28, 2014, 03:09:13 pm »
My BF/partner and I are celebrating our 10 year anniversary this week and we had hoped to get married.  We live CA, have kept things separate as I am on ADAP.  As one of our last items to check I spoke to my ADAP counselor who told me if my partner and I get married our combined income exceeds the max limit to receive ADAP benefits.  But we don't make enough where we can just pay for my meds which cost around $2K each month.  On top of that our combined income would make Obamacare useless.  Our premiums would be more than double what my COBRA is now. 

So in a nutshell it seems like we can either get married and I may not be able to afford meds or not get married and keep my ADAP.  I've tried reaching out to organizations to see if this info is correct.  No responses back yet.  Does anyone have any insight into this either from first hand experience or know where I can verify this.  It just sucks if this is the case.

Thank you in advance.

Offline bocker3

  • Member
  • Posts: 4,285
  • You gotta enjoy life......
Re: ADAP and gay marriage
« Reply #1 on: January 28, 2014, 07:57:44 pm »
Well, it would make sense that if you are married, then your combined income counts towards establishing eligibility (financially).  It's not a "gay marriage" thing - it's a marriage thing.  The same situation would apply to a straight couple.

What about your partner's insurance, assuming he has some -- would he be able to add you to his policy?

Mike

Offline tednlou2

  • Member
  • Posts: 5,730
Re: ADAP and gay marriage
« Reply #2 on: January 28, 2014, 11:35:32 pm »
This is something my partner and I have discussed.  If marriage was allowed tomorrow, would we run to get married?  What if I needed help from ADAP?  What about other services?  If marriage was legal, then I would have to be allowed on his insurance.  But, his insurance keeps getting worse.  He pays out so much for his prescriptions, labs, etc. 

So, it is something to consider, if marriage becomes legal in your state or eventually in the entire country.  I wouldn't immediately run out and get married, without going over the financial ramifications.  I mean, especially if your financial situation is precarious.

Offline Ann

  • Administrator
  • Member
  • Posts: 28,134
  • It just is, OK?
    • Num is sum qui mentiar tibi?
Re: ADAP and gay marriage
« Reply #3 on: January 29, 2014, 05:34:24 am »
There was a woman who used to post here years ago who was already married and facing a similar dilemma - she and her husband were thinking about getting a divorce just so they could afford her meds. I'm not 100% sure what the outcome was, but IIRC, they got the divorce.

There was another woman who used to post here and she was in a similar bind due to her husband making too much, but at the same time, too little. She ended up committing suicide. Yes, there were other things going on, but a lack of affordable healthcare was top of the list.

This problem has been somewhat common in the US for years in lower income couples from what I understand, and not only for people with hiv. It's been affecting couples with any expensive medical condition.

So much for the alleged sanctity of marriage, eh?



By the way, I've moved this thread into the Insurance and Benefits section as it's to do with ADAP.
Condoms are a girl's best friend

Condom and Lube Info  

"...health will finally be seen not as a blessing to be wished for, but as a human right to be fought for." Kofi Annan

Nymphomaniac: a woman as obsessed with sex as an average man. Mignon McLaughlin

HIV is certainly character-building. It's made me see all of the shallow things we cling to, like ego and vanity. Of course, I'd rather have a few more T-cells and a little less character. Randy Shilts

Offline BT65

  • Global Moderator
  • Member
  • Posts: 10,786
Re: ADAP and gay marriage
« Reply #4 on: January 29, 2014, 06:38:46 am »
At the ASO I work at, when doing paperwork for adap eligibility, we always keep wive's and husband's income separate.  Even if married, we never include both incomes, don't even include the spouse on the application, unless it would give an advantage to the situation.  And we've never been called on it.
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Condom and Lube Info https://www.poz.com/basics/hiv-basics/safer-sex
Please check out our lessons on PEP and PrEP. https://www.poz.com/basics/hiv-basics/pep-prep

https://www.poz.com/basics/hiv-basics/treatmentasprevention-tasp

Offline buginme2

  • Member
  • Posts: 3,426
Re: ADAP and gay marriage
« Reply #5 on: January 29, 2014, 04:41:50 pm »
1.  This isn't a gay marriage issue, its a marriage issue.   The straights have been dealing with stuff like this all along.   It's tough.

2.   Does your partner have insurance?   If so and you get married you can go on his plan.

3.  You say Obamacare  is useless but you don't go into details.   How so?   

4.  I  do understand the frustration somewhat.  I married my partner last year and we had an appointment with an accountant today to go over how or taxes will be affected.   it's a new issue for the gays for sure.
Don't be fancy, just get dancey

Offline mecch

  • Member
  • Posts: 13,455
  • red pill? or blue pill?
Re: ADAP and gay marriage
« Reply #6 on: January 29, 2014, 05:13:14 pm »
Affordable Care act monthly premiums are DOUBLE cobra??? 

I thought cobra was super expensive, and I thought I read California has a good variety of ACA offers on the market...

I hope you figure out a way to get married and to afford your health care.

(For what its worth, very few people in the rich countries can afford the retail price of HIV medicine, out of pocket.  --  " But we don't make enough where we can just pay for my meds which cost around $2K each month." -- )
“From each, according to his ability; to each, according to his need” 1875 K Marx

Offline leatherman

  • Global Moderator
  • Member
  • Posts: 8,593
  • Google and HIV meds are Your Friends
Re: ADAP and gay marriage
« Reply #7 on: January 29, 2014, 10:57:47 pm »
Affordable Care act monthly premiums are DOUBLE cobra??? 
i think that's an apple-to-oranges issue, mecch. the OP says OUR premiums are double MY cobra. It's not really good to compare the premiums a couple pays based on their combined income to what the single person would pay out to Cobra.

On top of that our combined income would make Obamacare useless.  Our premiums would be more than double what my COBRA is now.
Mecch might be onto something else. COBRA is very, very high. if you and your partner might have to pay more than what a person would have to pay on COBRA, you probably should seek out the services of a Marketplace Navigator to help you locate affordable insurance
leatherman (aka Michael)

We were standing all alone
You were leaning in to speak to me
Acting like a mover shaker
Dancing to Madonna then you kissed me
And I think about it all the time
- Darren Hayes, "Chained to You"

Offline bocker3

  • Member
  • Posts: 4,285
  • You gotta enjoy life......
Re: ADAP and gay marriage
« Reply #8 on: January 30, 2014, 08:30:25 am »
Mecch might be onto something else. COBRA is very, very high. if you and your partner might have to pay more than what a person would have to pay on COBRA, you probably should seek out the services of a Marketplace Navigator to help you locate affordable insurance
COBRA is not uniformly high -- it all depends on what your former employer's plan cost. (If I needed COBRA from my current employer, the cost would be around $175/month - for very good insurance)  Plus -- the difference between a single person's plan cost and a couple's has grown increasingly larger over the years. (currently about 3+ times higher at my employer) So, I do not find it odd that a single person's COBRA costs would be lower than a couples cost under ACA -- especially with little or no subsidy.
Mike

Offline leatherman

  • Global Moderator
  • Member
  • Posts: 8,593
  • Google and HIV meds are Your Friends
Re: ADAP and gay marriage
« Reply #9 on: January 30, 2014, 10:51:02 am »
the cost would be around $175/month - for very good insurance)
wow. cobra must be state and insurance specific. Two friends of mine (former SC and OH Walmart workers) had to pay out $687 a month to receive similar benefits like their walmart plan. sadly that was about 80% of their monthly income, so like for many poor workers, cobra is an unattainable joke.
leatherman (aka Michael)

We were standing all alone
You were leaning in to speak to me
Acting like a mover shaker
Dancing to Madonna then you kissed me
And I think about it all the time
- Darren Hayes, "Chained to You"

Offline Miss Philicia

  • Member
  • Posts: 24,793
  • celebrity poster, faker & poser
Re: ADAP and gay marriage
« Reply #10 on: January 30, 2014, 02:51:06 pm »
$175/mo is less than my Blue Cross cadillac non-HMO plan that I had in 1990. I think that was ~$230/mo

Actually even on disability I pay $203/month in insurance premiums.
"I’ve slept with enough men to know that I’m not gay"

Offline bocker3

  • Member
  • Posts: 4,285
  • You gotta enjoy life......
Re: ADAP and gay marriage
« Reply #11 on: January 30, 2014, 04:54:58 pm »
wow. cobra must be state and insurance specific. Two friends of mine (former SC and OH Walmart workers) had to pay out $687 a month to receive similar benefits like their walmart plan. sadly that was about 80% of their monthly income, so like for many poor workers, cobra is an unattainable joke.

COBRA has nothing to do with states.  All it does is allow you to pay for insurance at your former employers full rate (what the employee and the employer pays each month) plus up to a 2% admin fee.  So, it has everything to do with the contract of the employer with the insurance company.

I realize that I made a small calculation error -- my COBRA would be double what I said -- I was using a single paycheck, but I get two of those each month!  Oops -- ~$350/month

Mike

Offline buginme2

  • Member
  • Posts: 3,426
Re: ADAP and gay marriage
« Reply #12 on: January 30, 2014, 06:58:43 pm »
COBRA has nothing to do with states.  All it does is allow you to pay for insurance at your former employers full rate (what the employee and the employer pays each month) plus up to a 2% admin fee.  So, it has everything to do with the contract of the employer with the insurance company.

I realize that I made a small calculation error -- my COBRA would be double what I said -- I was using a single paycheck, but I get two of those each month!  Oops -- ~$350/month

Mike

 That's a good deal.   I'm sitting in my office at work right now so I logged on the employee website and it says while I  pay $25 every two weeks for my medical insurance the company pays $257 every two weeks.   So if I got COBRA  that would mean I  would pay $50 ( my monthly share)  plus $514 ( the company's share)  for a total of $564 per month.   Mine is a lot more expensive.


« Last Edit: January 30, 2014, 07:07:35 pm by buginme2 »
Don't be fancy, just get dancey

Offline m4jj4m

  • Member
  • Posts: 10
  • Diagnosed October 2003
Re: ADAP and gay marriage
« Reply #13 on: February 07, 2014, 12:46:38 pm »
Thanx for all the replies.  First off I totally shouldn't have lumped ADAP/HIV issues with only gay marriage. 

I spoke to my ADAP counselor and he was gracious enough to look at all ways to deal with this and from what he told me there isn't anyway around it, though I did think in California spouses could file and declare separate incomes.  He told me in CA there was a discussion of raising the max income limit for ADAP but the agency hasn't come to any kind of decision about that.  I also spoke to a social worker friend and she told me the same thing.  Once we are married they base services on combined income. 

I am on COBRA (pretty reasonable at around $389 a month for medical, visual and dental) for another year (when we relocated back to LA, I took a job for a year for the benefits.  I reopened my business here in LA last year) and my boyfriend went through Obamacare for his insurance (the company he works for hired him as a contractor and won't extend benefits) and pays $450 a month just for medical.  When he goes to the dentist he just pays everything out-of-pocket.  If we were to get married our premiums go way up cause he pretty much makes at least 2 times what I make and my income is towards the upper end of the income limit to qualify for ADAP.

Anyways, for now I guess there isn't anything else we can do.  Am glad we didn't do anything until I checked this out.  Alas another thing we need to deal with.  We've already been through alot, including a foreclosure on the first and only home we bought together a couple of years ago, and will make it through this.  It's not like we are breaking up or anything. 

Thanx again for all your input!

 


Terms of Membership for these forums
 

© 2024 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.