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Lost & Found

Our beloved Gracie is missing since October, Dachshund/Lab mix, microchipped, about 30 pounds, black with little white. $1000 reward for safe return. Call with any information, 830-393-9999 or 419-250-9099.
Lost: Small black and white tortoise shell cat, 1-1/2 years old, since Aug. 8, Country Hills area, La Vernia, very friendly, "Cinnamon" but responds more to "Kitty," rhinestone collar with bell, shots and spayed, family loves and misses her terribly. Reward! 210-725-8082.

Videofound in eagle creek with a collar no tags. very friendly non aggressive. call if he is yours 210-844-1951. clean and healthy
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Help Wanted

Manager for rental properties in Stockdale, must be assertive and have experience in the JP Court process, part-time/PRN. 830-299-0640, leave name/number.
The 81st Judicial District Attorney’s office, which includes Frio, La Salle, Atascosa, Karnes and Wilson Counties, is accepting resumes for an Assistant District Attorney position. Responsibilities of the position include felony intake, preparation of cases for grand jury, negotiating pleas and assisting law enforcement, assisting with Border Prosecution Cases and representation of the State of Texas in pretrial proceedings, as well as in criminal bench trials and jury trials in District Court. All applicants must be a graduate of an accredited law school and licensed to practice law by the State of Texas and have a minimum of five (5) years prosecutorial experience. Salary commensurate with experience. Resumes will be accepted through close of business, August 28, 2015. Please EMAIL resumes and cover letters to terireyes@81stda.org or fax to 830-393-2205. DISTRICT ATTORNEY RENE PENA C/O, TERI REYES, Office Manager; 1327 THIRD STREET, FLORESVILLE, TEXAS 78114. Fax 830-393-2205, terireyes@81stda.org.
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Sports


How health insurance exchanges can help




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Jim Miller
The Savvy Senior
May 8, 2013 | 1,883 views | Post a comment

Dear Savvy Senior,

What can you tell me about the new Obamacare health insurance exchanges that begin next year? I am interested in retiring early at age 61, but need to find some affordable healthcare until my Medicare benefits begin at 65.

Ready to Retire

Dear Ready,

The new health insurance exchanges -- also known as Health Insurance Marketplaces -- that begin in 2014 will be a welcome benefit to millions of Americans who need health insurance, especially uninsured baby boomers and pre-Medicare retirees who often have a difficult time finding affordable coverage.

How It Will Work

As part of the Affordable Care Act, starting Oct. 1 you will be able to shop and compare health insurance policies in your area, and enroll in one directly through your state’s Health Insurance Marketplace website. The policies will go into effect on Jan. 1, 2014.

You’ll also be happy to know that federal law dictates that Marketplace insurers cannot deny you coverage or charge you higher rates based on pre-existing health conditions, and they can’t charge women more than men. But, they can charge older customers more than younger ones -- up to three times more.

Every state will have a Marketplace, but each state can choose how it will operate. Seventeen states and the District of Columbia will run their own state-based Marketplace, seven states will partner with the federal government, and 26 states will offer federal Marketplaces. The differences between federal and state programs will be subtle. You will be able to access your state’s Health Insurance Marketplace at healthcare.gov.

The policies available through these Marketplaces will be sold by insurance companies and will provide a package of 10 essential benefits, like emergency services, hospital care, lab services, prescription drugs, doctor visits, preventive care, and rehab services.

To make shopping and comparing a little easier, the health plans will be divided into four different levels -- bronze, silver, gold, and platinum -- each offering similar benefits but with a different cost structure. The bronze plan will have the lowest monthly premiums but have highest out-of-pocket costs, while the platinum plans will have the highest premiums but the lowest deductibles and co-payments.

The Marketplaces will also offer a toll-free hotline to help you choose a plan that meets your needs and budget. These helpers aren’t associated with any particular plan, and they aren’t on any type of commission, so the help they give you will be completely unbiased.

Costs and Tax-Credits

Prices will vary depending on where you live, your age, and the health plan you choose. Exact cost structures for most Marketplaces will be released within the next few months.

To help make coverage affordable, sliding scale tax-credits will be available if you earn less than 400 percent of the poverty level -- that’s $45,960 for a single person and $62,040 for couples. These tax-credit subsidies will provide immediate savings off your monthly premiums.

To find out if you qualify, or see how much a tax-credit will reduce your monthly costs, you’ll need to submit a Marketplace application in October, or when you decide enroll. In the meantime, you can calculate your potential tax-credit premium savings by using the Kaiser Family Foundation calculator at healthreform.kff.org -- click on “Interactive Features” and then scroll down to “Subsidy Calculator.”

For more information on the Health Insurance Marketplaces including a checklist of things you can do now to help you choose a plan, visit healthcare.gov/marketplace.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.
 

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