1. 2275 POINTS
    Bill Loughead
    President, SummitMedigap.com, CO, FL, GA, MI, NC, SC & TX
    No and luckily it is not needed. Medicare along with Medigap Insurance works great. Obamacare or the Affordable Care Act impacts folks under age 65 and not on Medicare. However, in the Affordable Care Act they did have cuts to Medicare but other than that it is not related. The cuts to Medicare are estimated to be $700 billion.

    Getting a Medigap Plan is fairly easy if you work with an independent agent that specializes in it. You pay a monthly premium and then you have little to no out of pocket costs for medical expenses. There is also no network with Medigap Plans which means you can go to any doctor or hospital you want. No need for a referral to see a specialist either. The biggest thing about Medigap Plans is the benefits are not allowed to change from year to year. The Affordable Care Act (Obamacare) plans are constantly changing.
    Answered on November 8, 2014
  2. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    No. You are making the mistake that many people are making in thinking that ObamaCare is an insurance plan, it is not. ObamaCare or the Patient Protection and Affordable Care Act (as that is its true title) is a massive law accompanied by an even more massive set of administrative guidelines that set new rules for how health insurance plans are offered, priced, structured. Plus it did create the online government health insurance marketplaces (e.g. - HealthCare.gov) as a supposedly simpler way for people to purchase individual health insurance and possibly receive subsidies for the cost of their health insurance.

    ObamaCare is in no way a government health insurance program such as Medicaid or Medicare.
    Answered on November 9, 2014
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