Author Topic: ObamaCare Is Live  (Read 12048 times)

Offline Dan

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Re: ObamaCare Is Live
« Reply #105 on: October 29, 2013, 09:30:23 PM »
A friend of mine with one kid, family is healthy bh, started to make a little more money and wants to move up to private insurance. He was quoted by a broker 20k a year as the cheapest decent plan! And it even comes with a $2,500 deductible.

Insane!
Sounds very high to me.

Before Talia we were paying $560.22/month for the 3 of us with a $1,500 deductible and 100% coverage with no copay after deductible and 100% coverage with no copay on preventative visits at any time.
Both the premium and deductible are tax-deductible as I'm self-employed and use an HSA.
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Offline MarkS

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Re: ObamaCare Is Live
« Reply #106 on: October 29, 2013, 09:38:55 PM »
Sounds very high to me.
I wonder where this guy lives. NY and NJ already have high premiums and in fact are supposedly some of the few states that will actually have lower premiums under obamacare.

Offline claker

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Re: ObamaCare Is Live
« Reply #107 on: October 29, 2013, 10:07:50 PM »
I wonder where this guy lives. NY and NJ already have high premiums and in fact are supposedly some of the few states that will actually have lower premiums under obamacare.

I wouldn't count on it....

I live in NY and just received notice that my policy is cancelled as of year end and replaced with a new one....with a 35% increase in premium and some other changes including a new provider network that none of my doctors are on.

My broker is looking for options but warned me that  any new policy will come with similar premium increases or higher

Offline yuneeq

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Re: ObamaCare Is Live
« Reply #108 on: October 29, 2013, 10:48:56 PM »
I wonder where this guy lives. NY and NJ already have high premiums and in fact are supposedly some of the few states that will actually have lower premiums under obamacare.

NY

I wouldn't blame him if he starts looking for ways to be poor!
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Offline zale

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Re: ObamaCare Is Live
« Reply #109 on: October 30, 2013, 12:21:11 AM »
I don't understand how people are only waking up now.

Conservatives were screaming themselves dry about the real facts of Obamacare since way back in 2009, but nobody gave a damn. Mitt Romney hammered Obama in the debates about it, but again, nobody gave a damn.

What changed now? Why do people suddenly care? NOW you start wondering why your insurance dropped you?

Offline yuneeq

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Re: ObamaCare Is Live
« Reply #110 on: October 30, 2013, 12:58:09 AM »
I don't understand how people are only waking up now.

Conservatives were screaming themselves dry about the real facts of Obamacare since way back in 2009, but nobody gave a damn. Mitt Romney hammered Obama in the debates about it, but again, nobody gave a damn.

What changed now? Why do people suddenly care? NOW you start wondering why your insurance dropped you?

Most of us here gave a damn and voted that way. We always cared, and we knew this would happen. But having knowledge of a hurricane's path doesn't make it hurt any less when it hits.
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Offline Achas Veachas

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Re: ObamaCare Is Live
« Reply #111 on: October 30, 2013, 07:13:55 AM »
Knowing the GOP they'll let this pass and you won't even hear about it come election time...
Curiosity made the cat smarter.

Offline good sam

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Re: ObamaCare Is Live
« Reply #112 on: October 30, 2013, 10:46:17 AM »
Most of us here gave a damn and voted that way.
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Offline AsherO

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Re: ObamaCare Is Live
« Reply #113 on: October 30, 2013, 11:02:29 AM »
I wouldn't count on it....

I live in NY and just received notice that my policy is cancelled as of year end and replaced with a new one....with a 35% increase in premium and some other changes including a new provider network that none of my doctors are on.

My broker is looking for options but warned me that  any new policy will come with similar premium increases or higher

Damn insurance cos are smart, they're raising the premiums and blaming it on Obama.
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Offline good sam

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Re: ObamaCare Is Live
« Reply #114 on: October 30, 2013, 11:21:40 AM »
Damn insurance cos are smart, they're raising the premiums and blaming it on Obama.
no...they're raising premiums because they're canceling all their bare-bone "catastrophic" plans which are no longer up to snuff under ACA.  They're replacing them with beefed up plans which are obviously going to be significantly more expensive.

Of course we (or rather, people familiar with the provisions of the act) knew that ins. cos were going to be required to beef up plans.  We also knew that existing plans were going to be grandfathered in, as Obama promised.

However, HHS regulations adopted pursuant to the ACA require that any plan which has undergone changes since 2010- as minor as changes to premium, deductible, co-pays, or coverage- lose grandfathered status.  This essentially blunts the grandfather clause.
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Offline itsyehuda

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Re: ObamaCare Is Live
« Reply #115 on: October 30, 2013, 12:49:33 PM »
no...they're raising premiums because they're canceling all their bare-bone "catastrophic" plans which are no longer up to snuff under ACA.  They're replacing them with beefed up plans which are obviously going to be significantly more expensive.

Of course we (or rather, people familiar with the provisions of the act) knew that ins. cos were going to be required to beef up plans.  We also knew that existing plans were going to be grandfathered in, as Obama promised.

However, HHS regulations adopted pursuant to the ACA require that any plan which has undergone changes since 2010- as minor as changes to premium, deductible, co-pays, or coverage- lose grandfathered status.  This essentially blunts the grandfather clause.

Well said.
I remember when a coke was a nickel, and you could buy VRs in OD.

Offline good sam

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Re: ObamaCare Is Live
« Reply #116 on: October 30, 2013, 01:34:12 PM »
Liars Liars Liars

Quote
Sebelius said Obama had not broken his promise because plans that have existed since the law was signed have had the option of remaining unchanged.
http://www.chicagotribune.com/news/chi-obama-healthcare-website-20131030,0,1315422.story
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Offline zale

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Re: ObamaCare Is Live
« Reply #117 on: October 30, 2013, 01:58:18 PM »
no...they're raising premiums because they're canceling all their bare-bone "catastrophic" plans which are no longer up to snuff under ACA.  They're replacing them with beefed up plans which are obviously going to be significantly more expensive.

Of course we (or rather, people familiar with the provisions of the act) knew that ins. cos were going to be required to beef up plans.  We also knew that existing plans were going to be grandfathered in, as Obama promised.

However, HHS regulations adopted pursuant to the ACA require that any plan which has undergone changes since 2010- as minor as changes to premium, deductible, co-pays, or coverage- lose grandfathered status.  This essentially blunts the grandfather clause.

These "catastrophic" plans have sufficed for millions of Americans. A healthy American does not need to visit the doctor twice a week. Most American families consist of one or two children, and so maternity coverage is not all that important. Many people pay for specialized dental procedures (i.e. root canals, crowns etc.) in cash, and they are not required that often.

Regarding hospital coverage, for those that don't have it in their plan, if they do end up in the hospital, they opt to settle with the hospital with a long term payout plan and a highly reduced bill.

And now for the most idiotic requirement of Obamacare:

"The Affordable Care Act requires plans and issuers that offer dependent coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage"

First, at 26 you should be making your own damn living, not living off of your parents. What the hell has this country come to?

Second, married children included? I'm not even going to begin commenting on this one...

Offline AsherO

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Re: ObamaCare Is Live
« Reply #118 on: October 30, 2013, 02:08:02 PM »
no...they're raising premiums because they're canceling all their bare-bone "catastrophic" plans which are no longer up to snuff under ACA.  They're replacing them with beefed up plans which are obviously going to be significantly more expensive.

Of course we (or rather, people familiar with the provisions of the act) knew that ins. cos were going to be required to beef up plans.  We also knew that existing plans were going to be grandfathered in, as Obama promised.

However, HHS regulations adopted pursuant to the ACA require that any plan which has undergone changes since 2010- as minor as changes to premium, deductible, co-pays, or coverage- lose grandfathered status.  This essentially blunts the grandfather clause.

And they're happy to sell you a more expensive plan with a higher premium (and more profits in their pocket), that's all I'm saying.
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Offline good sam

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Re: ObamaCare Is Live
« Reply #119 on: October 30, 2013, 02:11:19 PM »
First, at 26 you should be making your own damn living, not living off of your parents. What the hell has this country the yeshiva velt come to?
With one minor change you sound like a lot of people I know.
« Last Edit: October 30, 2013, 02:14:47 PM by good sam »
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