Do you have your $6,000 deductible ready for your Obamacare?

[her209]

Actually I dont see you in geosynchronous orbit around the planet and are in fact within its atmosphere so yes in fact you are IN the planet since the planet consists of more than just the rocks you stand on.

:thumbsup:

 

[FelixDeCat]

To your other point I am somewhat tired of this argument. Its not perfect. Its not magic. Its a temporaty solution till people like you get your head out of your ass and warm up to single payer.

"Free" healthcare is not free. Paying 50% income taxes for socialism is stupid. Warm up to that, then GTFO.

 

[manimal]

"Free" healthcare is not free. Paying 50% income taxes for socialism is stupid. Warm up to that, then GTFO.

so your fine paying 50 percent of your income to insurance companies?


Most developed country pay less than we do for more. If your fine with that I got a job for you. Come by and work and pay me for the privilege of fighting back socialism.

 

[Texashiker]

My insurance is pretty good and it is actually 100% paid for by my employer. (look how fancy I am)

Never get married and never have kids.

My health insurance is paid by my employer as well. But I pay $599 a month to have my wife and kids on my policy.

My wife alone cost me close to $300 a month to have on the policy. When her insurance kicks in at her new employer I can drop her off my policy.

So that is $7,188 a year I pay for health insurance + $1,500 deductible per person, with a limit of either 3,000 or 5,000 limit for the family. I can not remember is it is 3 or 5.

It sure would be nice if I could take even a fraction of that money and put it towards something else, say maybe a retirement savings.

 

[drinkmorejava]

Its around $4k for the deductible, it acts like 60/40 insurance after that, and then there is a $6.35k max out of pocket.

If you are that sick that you pay the deductible I don't see how you wouldn't hit the max out of pocket really quick.

In this case that's true. However, it could have gone the other way. For me, my deductible is $1800, then insurance covers 80% up to my max. There are many many things that I could end up paying the deductible for (basically an emergency room visit), but not get screwed having to pay my max out of pocket.

 

[manimal]

Never get married and never have kids.

My health insurance is paid by my employer as well. But I pay $599 a month to have my wife and kids on my policy.

My wife alone cost me close to $300 a month to have on the policy. When her insurance kicks in at her new employer I can drop her off my policy.

Does anyone have any links about the increases of costs in states that turned away aca money vs states that accepted it?

 

[Londo_Jowo]

so your fine paying 50 percent of your income ?

My insurance premiums, deductible, and max out of pocket added together are less than 5% of my salary.

 

[her209]

Never get married and never have kids.

My health insurance is paid by my employer as well. But I pay $599 a month to have my wife and kids on my policy.

My wife alone cost me close to $300 a month to have on the policy. When her insurance kicks in at her new employer I can drop her off my policy.

So that is $7,188 a year I pay for health insurance + $1,500 deductible per person, with a limit of either 3,000 or 5,000 limit for the family. I can not remember is it is 3 or 5.

It sure would be nice if I could take even a fraction of that money and put it towards something else, say maybe a retirement savings.

Why is your wife's portion over 50% of the premium? Does she get birth control pills with that policy?

 

[manimal]

My insurance premiums, deductible, and max out of pocket added together are less than 5% of my salary.

Glad to see ACA is working out for you. How many people do you know with prexisting conditions? Have you ever known anyone who lost their home to illness? Have you ever known someone who had to pick between health care and food?

I have all the above and I have to say going back to the old way would impact millions of families.

I truly am glad things are working out for you. Lets try to get everyone else on the same playing field.


Lastly I want to ask you guys how many of you had to make job choices based on health care?

I had to leave my dream job as an opera singer which I was gainfully employed but unable to buy coverage for my wife and son who had serious medical issues. Now I can buy care in the marketplace and make decisions based on other criteria.

 

[Londo_Jowo]

Glad to see ACA is working out for you. How many people do you know with prexisting conditions? Have you ever known anyone who lost their home to illness? Have you ever known someone who had to pick between health care and food?

I have all the above and I have to say going back to the old way would impact millions of families.

I truly am glad things are working out for you. Lets try to get everyone else on the same playing field.


Lastly I want to ask you guys how many of you had to make job choices based on health care?

I had to leave my dream job as an opera singer which I was gainfully employed but unable to buy coverage for my wife and son who had serious medical issues. Now I can buy care in the marketplace and make decisions based on other criteria.

ACA made no difference in my insurance as I work for a self insured company and have done so for the last 23 years.

Never met anyone that had to go bankrupt or lost their home due to medical issues.

All new hires (spouse/family) with the company for whom I work were covered regardless of preexisting conditions.

Life is not fair, we all can't be professional ball players or rock stars.

 

[Texashiker]

Why is your wife's portion over 50% of the premium? Does she get birth control pills with that policy?

Women are high risk, thus insurance companies charge more for women.

As for birth control, my wife had fibroid tumors and had a hysterectomy a couple of years ago. Instead of birth control pills she takes estrogen.

 

[FelixDeCat]

Glad to see ACA is working out for you. How many people do you know with prexisting conditions? Have you ever known anyone who lost their home to illness? Have you ever known someone who had to pick between health care and food?

I have all the above and I have to say going back to the old way would impact millions of families.

I truly am glad things are working out for you. Lets try to get everyone else on the same playing field.


Lastly I want to ask you guys how many of you had to make job choices based on health care?

I had to leave my dream job as an opera singer which I was gainfully employed but unable to buy coverage for my wife and son who had serious medical issues. Now I can buy care in the marketplace and make decisions based on other criteria.

I too had an 'incurable' condition that required expensive treatment. The medication alone I was taking cost $600 per month w/o insurance ($50 with). When I quit my good paying job w/good benefits to start my own business did I learn what the word "uninsurable" meant.

I could not buy insurance...at any price. My only option was a Texas state exchange assigned risk pool at $400 per month with lots of deducts and limits.

Since I was no longer responding to meds, my only other option was two risky surgeries that thankfully worked with no complications, although there are a few physical reminders and negative drawbacks I wont mention here. But I dont need meds any longer.

Now that I have been "surgically cured" I am insurable again. But insurance is so damn expensive its practically worthless to me. The only other option is employer sponsored which I will be eligible for soon.

 

[Texashiker]

I too had an 'incurable' condition that required expensive treatment. The medication alone I was taking cost $600 per month w/o insurance ($50 with). When I quit my good paying job w/good benefits to start my own business did I learn what the word "uninsurable" meant.

Sorry to hear you had a bad time.

I am sure the cost of health care prevents a lot of people from starting a business. And as such is having a negative impact on the economy.

Could we imagine what would happen if people no longer had the health care burden on their backs? Millions of people would probably venture to start their own business, thus creating jobs.

 

[DCal430]

The truth is we still have people dying in this country due to lack of health insurance.

A common theme is someone develops a major illness, they are unable to continue to work due to the condition, they loose their jobs, they loose their insurance, their condition requires extensive long term treatment, they can't afford the treatment, they basically are ruined finacially and die due to lack of proper treatment.

Someone is diagnosed with Myeloma and needs a drug that cost up to $15,000 a month to stay alive, they can't work due to the cancer, and can't afford to pay the $15,000 a month treatment, their life expectancy is greatly reduced due to lack of insurance.

 

[brycejones]

Sorry to hear you had a bad time.

I am sure the cost of health care prevents a lot of people from starting a business. And as such is having a negative impact on the economy.

Could we imagine what would happen if people no longer had the health care burden on their backs? Millions of people would probably venture to start their own business, thus creating jobs.

Don't know about millions but I do agree with you that there are probably people out there who would be inclined to start businesses if they didn't have to worry about where health care would come from.

 

[OverVolt]

Women are high risk, thus insurance companies charge more for women.

As for birth control, my wife had fibroid tumors and had a hysterectomy a couple of years ago. Instead of birth control pills she takes estrogen.

If you understand statistics its obvious. Say $22k for a childbirth and the probability someone in their 20-30's as a woman has a child. Hmm...

Insurance is all about statistics. The profit is literally added to the premium. They know how much it will cost them vs how much you will be paying.

What people are talking about is risk pooling but in the private sector. I'm okay with just letting the government go with a Canadian/European system considering how far out of control the costs have gotten. Clearly what we have isn't working.

 

[werepossum]

Where did you get the idea that tennessee blue cross was dropping all small business plans? I looked and don't see any evidence of that.

Well, my first clue was when BCBS of Tennessee sent us notification that our insurance was not renewable and unfortunately they could offer us no other options because they are dropping all their small business policies (i.e. less than fifty employees.) The CoverTN plans are being dropped as well - they were a state option to provide affordable health insurance to people making too much for Medicaid but otherwise uninsurable. CoverTN was cheap insurance with no maximum out of pocket. Older people may be able to swing it depending on income, but younger people may be faced with choosing to lose their home or their health insurance.

We're hoping that with Obama extending the date to keep existing policies past the 2016 elections, BCBS will relent and give us another couple years, but so far nothing. Or at least offer small employers Obamacare-approved small employer policies; although I seriously doubt we can afford to provide those, at the moment no insurance companies are even willing to talk to our broker. The regulations are being changed every week, and the revenue stream from a very small company like ours, coupled with the added administrative burden, mandatory freebies, and 80% mandatory claims outlay, makes us a losing gamble. Our insurance runs out end of June, and here at the end of March we have no idea if we'll even be able to offer any group insurance, much less at rates we can afford. Individually we can fall back on the federal exchange and for us older folks that isn't too much of a problem - assuming you don't mind being subsidized - but I can't see how our younger engineers who don't have government or large corporation insurance through their spouses can afford to work for a small company like ours.

 

[Jhhnn]

Now that I have been "surgically cured" I am insurable again. But insurance is so damn expensive its practically worthless to me. The only other option is employer sponsored which I will be eligible for soon.

So you're saying that your bottom line exchange price w/ subsidy is unaffordable, or are you talking about something else?

 

[Genx87]

So, uhh, there are no qualified in network physicians for your checkup? Really?

Oh, and replying to a troll thread makes me feel a little dirty, anyway.

I don't want to change physicians. The point however is there was a noticeable change due to ACA costs in our company's plan.

 

[fskimospy]

Well, my first clue was when BCBS of Tennessee sent us notification that our insurance was not renewable and unfortunately they could offer us no other options because they are dropping all their small business policies (i.e. less than fifty employees.) The CoverTN plans are being dropped as well - they were a state option to provide affordable health insurance to people making too much for Medicaid but otherwise uninsurable. CoverTN was cheap insurance with no maximum out of pocket. Older people may be able to swing it depending on income, but younger people may be faced with choosing to lose their home or their health insurance.

We're hoping that with Obama extending the date to keep existing policies past the 2016 elections, BCBS will relent and give us another couple years, but so far nothing. Or at least offer small employers Obamacare-approved small employer policies; although I seriously doubt we can afford to provide those, at the moment no insurance companies are even willing to talk to our broker. The regulations are being changed every week, and the revenue stream from a very small company like ours, coupled with the added administrative burden, mandatory freebies, and 80% mandatory claims outlay, makes us a losing gamble. Our insurance runs out end of June, and here at the end of March we have no idea if we'll even be able to offer any group insurance, much less at rates we can afford. Individually we can fall back on the federal exchange and for us older folks that isn't too much of a problem - assuming you don't mind being subsidized - but I can't see how our younger engineers who don't have government or large corporation insurance through their spouses can afford to work for a small company like ours.

Odd, there's no mention of that in the news anywhere (and that would be pretty big news, considering the vast majority of businesses are fewer than 50 employees). Additionally there is no mention of that on their website and they continue to boast their offering of plans for employers of all sizes.

Mind sharing the text of their notification with us? Something doesn't add up.

 

[sportage]

People without insurance do to low income usually got it free from the county hospitals anyway.

Not true for ongoing treatments and medical conditions.
Total misconception.

Sure, if you break your arm, hit by a car, poke out your eye, sure you can call 911 or go to the ER, and get one-time care.

But this whole thing with Obamacare, or any type of affordable insurance available to the masses, this insurance expansion was meant for medical care beyond the ER emergency room / panic mode visit.

If you have, say rheumatoid arthritis, you can NOT continue show up at the ER for necessary ongoing treatments.
Or expect to be handed your medications.
If you have cancer, you can NOT continually show up at the ER expecting chemotherapy treatments.
Or your chemotherapy drugs.

That would be your brain dead lunacy misconception as to insurance in America.
People constantly spout off with this dribble about insurance being FREE in America.
IT IS NOT !!!

Nothing is FREE when it comes to healthcare or insurance.
And while you can get "911 emergency treatment" for an emergency, you will also get billed.
And if the ER discover it was cancer, or AIDS, or the above mentioned rheumatoid arthritis as the cause of your 911-ER emergency room visit, they will treat that one time for that life threatening cause which landed you in the emergency room.
But after that?
You will be turned away and told you need to go see a private doctor.
A specialist.
A private doctor for ongoing treatments and medications.

And when you first walk into that new private doctors office, guess what the very first question you will be asked?
DO YOU HAVE INSURANCE ?
And if your answer is NO, that doctor will NOT and has NOT any responsibility or obligation to treat YOU then, or EVER.

Poverty poor folks might be able to get some state or government assistance, financial assistance for finding/paying for a doctor, or apply for SS disability which takes YEARS to get approved for.
But if you are not poverty stricken... sorry Charlie.

What Obamacare and medicare addresses are all those millions of people "without" the access for insurance.
All those who fall somewhere between the poverty stricken poor and the very wealthy people rich enough to pay cash.
In other words, most of the uninsured working middle-class who's employer offers no insurance.

So I don't know what this illusion is with people that believe anyone can get treatment for FREE in America.
That thinking only applies in the situation of an 911-ER impending emergency.
That "hit by a truck", "falling out of a window", "shot by disgruntle co-workers".

But most people have medical conditions that require much involved ongoing healthcare.
Or the need for daily dosed life saving medications.
Not just some impending 911 emergency condition.
And "ongoing" medical needs/conditions are not now, nor have ever been FREE in America.

THAT is why people and families are forced into bankruptcy, lose their homes, drain their savings, destroy their credit, and are hounded for life from debt collectors.

THAT is our "for profit healthcare" American system.

Obamacare fixed some of that. Attempts to reform.
Obamacare opened up and made insurance more accessible.
And most important, set new rules and regulations as to pre-exisitings, caps, and forcing insurance companies to actually spend more dollars on care and less for advertisement.

People.... people just do not realize the terror to come if Obamacare should be repealed.
Insurance for profit will go F-king nuts not only to catch up with huge premium increases for ""ALL"" employer based insurance, but catch up with dropping all those pre-existing newly insured, dropping those that hit their cap limits, dropping college kids off their parents policies, allow fly-by-night companies to once again sell total crap fine-print worthless policies to the public.
And... create the environment for total healthcare meltdown in America.

IF you want THAT, vote republican in November.
But if you do, DO NOT cry fowl when your employer based insurance costs triple.
DO NOT cry fowl when you spouse or child are dropped from your employer based policy.
DO NOT cry fowl should you lose your job AND THEN also your insurance.
DO NOT cry fowl should someone in your family become seriously ill, and are dropped.
DO NOT cry fowl when you destroy your credit, lose your home, and become bankrupt.

Obamacare may not be perfect, but millions can now have healthcare insurance.
Millions that could never have access to healthcare insurance before.
But considering the publics inability to see beyond their nose, or to ask themselves why republicans are spending billions to swing and fix elections, or examine republican track record when it comes to every social safety net issue, considering people it is anyones guess what will happen.
Just don't cry fowl when you get what you vote for.
That will be too late...

 

[boomerang]

IF you want THAT, vote republican in November. But if you do, DO NOT cry fowl when your employer based insurance costs triple. DO NOT cry fowl when you spouse or child are dropped from your employer based policy. DO NOT cry fowl should you lose your job AND THEN also your insurance. DO NOT cry fowl should someone in your family become seriously ill, and are dropped. DO NOT cry fowl when you destroy your credit, lose your home, and become bankrupt.

I didn't quote the majority of the drama in your post. Are you having any premonition's of locust invasions as the result of voting Republican?

Oh, and you really wanted the word "foul" unless you were actually talking about maybe, chickens or ducks and the like.

 

[werepossum]

Odd, there's no mention of that in the news anywhere (and that would be pretty big news, considering the vast majority of businesses are fewer than 50 employees). Additionally there is no mention of that on their website and they continue to boast their offering of plans for employers of all sizes.

Mind sharing the text of their notification with us? Something doesn't add up.

My office manager's out for surgery - when she's back I'll ask her to forward me the BCBS letter. Yeah, it's doubly odd considering that BCBS is by far the largest health insurer in Tennessee and I'm sure many businesses' policies are expiring within the next few months due to the early renewal.

 

[Newell Steamer]

No need to.

Because Republicans will fix this just right and dandy, come next elections!!

You know, just like how they've been offering an alternative to affordable healthcare in America all along; if you can't pay for it, just suffer/die.

 

[Jay5]

No need to.

Because Republicans will fix this just right and dandy, come next elections!!

please tell me,what have democrats fixed? gun control didnt fix gun violence as you can see.and giving the welfare moochers there freebie didnt fix healthcare,as you can see by the lower quality and obama having to force people to take his shit healthcare by cancelling peoples already working healthcare.its going to be a great day when americans actually get some sense and see the direction they took there country