Health insurance... wt..

[mnewsham]

I'm not sure I follow. Yes, preexisting condition bullshit, blah blah blah... however that is moot since I've been covered forever so I don't really have any "preexisting conditions".

However all of my prescription copays went up.
My ER copays went up.
Inpatient costs went up.
Outpatient costs went up.
Deductibles went up.
Out of pocket maximums went up.

And as I said, my per-paycheck premium went up.

Those were the highlights of what I know changed for this year to conform to the ACA mandated changes. Not much else in our company benefits changed. Nothing that I'm aware of got "better". (I'd have to dig through my paperwork at home, if I even still have last year's benefits summary to make an accurate comparison)

Yea, so basically your out of pockets cost went up and you're upset, you have no idea what you were actually covered under your old insurance. but hey ignorance is bliss.

 

[highland145]

I'm not sure I follow. Yes, preexisting condition bullshit, blah blah blah... however that is moot since I've been covered forever so I don't really have any "preexisting conditions".

However all of my prescription copays went up.
My ER copays went up.
Inpatient costs went up.
Outpatient costs went up.
Deductibles went up.
Out of pocket maximums went up.

And as I said, my per-paycheck premium went up.

Those were the highlights of what I know changed for this year to conform to the ACA mandated changes. Not much else in our company benefits changed. Nothing that I'm aware of got "better". (I'd have to dig through my paperwork at home, if I even still have last year's benefits summary to make an accurate comparison)

But if you get pregnant, you're covered. Awesome.

Obamacare has a lot more mandatory coverage that I doubt your old insurance had, just because you aren't USING it, doesn't mean you are getting less coverage.

So your offer of the $20 is impossible to earn.

 

[manimal]

Yea, so basically your out of pockets cost went up and you're upset, you have no idea what you were actually covered under your old insurance. but hey ignorance is bliss.

His complaint should be merged with the 1 percent problems thread...

 

[Xonim]

However all of my prescription copays went up.
My ER copays went up.
Inpatient costs went up.
Outpatient costs went up.
Deductibles went up.
Out of pocket maximums went up.

And as I said, my per-paycheck premium went up.

So...your insurance followed the same trend that has been happening for the last 40+ years, but clearly Obamacare is to blame?

 

[mnewsham]

But if you get pregnant, you're covered. Awesome.

there is a LOT more to it than that, hell the preexisting conditions alone is a HUGE deal, and just because you dont have one doesnt mean your share of covering everyone else should be less, you pay what you pay so if/when you are sick you are covered. In the old system an insurance company would go through your records with a fine toothed comb and if even 1 thing looked slight off they would deny you coverage and your cancer treatment is now on you to pay, seems fair.

In reality we should have socialized health care and this in between bullshit is simply a product of conservatives forcing obama to compromise. No one likes it because no one really wanted it in the first place.

 

[Jeeebus]

I looked into decent insurance for the family back in December/January. Just about all the available plans were somewhere between $900 - $1300 per month. Allow me to play you this beautiful instrumental on my tiny violin.

 

[highland145]

In reality we should have socialized health care and this in between bullshit is simply a product of conservatives forcing obama to compromise. No one likes it because no one really wanted it in the first place.

Really?

 

[SunnyD]

Yea, so basically your out of pockets cost went up and you're upset, you have no idea what you were actually covered under your old insurance. but hey ignorance is bliss.

You apparently missed the part where my deductibles and yearly maximums also went up in the previous post. Which had never happened in years prior.

So...your insurance followed the same trend that has been happening for the last 40+ years, but clearly Obamacare is to blame?

Same trend? The last time I had an adjustment to my insurance plan costs, deductibles and out of pocket costs went DOWN and my premium and coverage levels didn't change.

That said, I fully expected insurance costs to get fucked up even more without medical costs being reined in from the ridiculous levels they're currently at. And it won't get any better. ACA doesn't fix the problem for anybody, it just lets a lot more people join in on enjoying the problem in more ways.

 

[mnewsham]

Really?

Did you bother to read what the original "obamacare" was? It is nothing like what was actually approved by the end.

 

[mnewsham]

You apparently missed the part where my deductibles and yearly maximums also went up in the previous post. Which had never happened in years prior.

You also don't have any idea what your old insurance was excluding, if anything serious had actually happened to you they likely would have dropped your coverage over some small nuance in your coverage that lets them snake out of paying. Cancer is a preexisting condition...right?

Just because on the surface it appears worse it probably isn't, there is no way you were actually getting as good a coverage as you thought you were before if literally everything has gone up for you.

 

[highland145]

Did you bother to read what the original "obamacare" was? It is nothing like what was actually approved by the end.

Links showing pubbies gutted it.

 

[mnewsham]

Links showing pubbies gutted it.

Oh no, conservative democrats were gutting it too. I'll see if I can find some links for you, but I am at work so I still need to spend PART of my day working. :whiste:

 

[Hayabusa Rider]

If you're over 35, you're a leech on society.

Depending on young people with OMG BALLER annual incomes of over 20k to subsidize your healthcare costs makes you a piece of shit.

Or you're under 35 and you just have no idea what you're defending.

Carousel!

 

[highland145]

Oh no, conservative democrats were gutting it too. I'll see if I can find some links for you, but I am at work so I still need to spend PART of my day working. :whiste:

Condolences...

From early on, I've heard that pubbies gutted it. My wife worked for Gresham Barrett during that time and he said they were locked out of discussions. Looking for some truth. Considering it's politics, doubtful.

I went from $325 to $557, $10K deductible. So far, nothing has been reduced because Golden Rule has a contract in place with providers. The old plan did save us a few $$ on services.

 

[HardcoreRobot]

id be fine with people not getting the insurance as long as they signed something waiving their right to all medical care on the public's dime. and the public followed through by allowing them remove themselves from the gene pool.

 

[Xonim]

Same trend? The last time I had an adjustment to my insurance plan costs, deductibles and out of pocket costs went DOWN and my premium and coverage levels didn't change.

This chart was taken from a 2012 Forbes article ... the average premium for a family plan has gone from roughly $8k/year in 2002 to $12.1k/year in 2008 (BEFORE Obama took office) to $15.7k/year in 2012.

I'd sure like to know where you work that your premiums never go up, I want to come and work with you.

 

[mnewsham]

I went from $325 to $557, $10K deductible. So far, nothing has been reduced because Golden Rule has a contract in place with providers. The old plan did save us a few $$ on services.

The real problem is everyone expected obamacare to make health insurance cheaper, in reality obamacare is supposed to do the opposite for MOST people and get the people who were uninsured insured. to do that they have to increase the price for everybody, especially since insurance is now required to pay for a LOT of preventative care which was not mandated before now, all of this is upfront a lot more expensive, but on the whole more people will be covered and overall health should improve as well.


My mom actually works for one of the companies working on the Obamacare website(s) and so she has been seeing the internal politics being played, if there were a real government inquiry into a lot of this heads would roll, from what I have seen a lot of the project managers have been hindering a lot of the work for political reasons and/or ineptitude. Hiring people who aren't qualified for example; software testers who have nothing more than a high school diploma and lack basic english skills, my mother (an editor) had to actually give a power point presentation to 50 software testers on the proper use of punctuation and just because you use a period at the end doesnt mean what you wrote is a real sentence.


The whole thing has been a huge cluster fuck all around I think.

 

[OutHouse]

i pay 5470.25 per year for my health, dental and eye insurance.

with a 1200 deductible, $25.00 office visits

 

[SunnyD]

This chart was taken from a 2012 Forbes article ... the average premium for a family plan has gone from roughly $8k/year in 2002 to $12.1k/year in 2008 (BEFORE Obama took office) to $15.7k/year in 2012.

I'd sure like to know where you work that your premiums never go up, I want to come and work with you.

The company I work for took extraordinary measures over the last several years to absorb cost increases in benefit expenses. They unsurprisingly couldn't keep up over the last year or so, especially with the mandated changes.

And I stand corrected - there was ONE premium increase in the last five years prior, but it was negligible and none of my benefits were affected in the process.

 

[OutHouse]

just because you use a period at the end doesnt mean what you wrote is a real sentence.

Lies.

 

[lord_emperor]

I don't go to hospitals or doctors, and I never will.

Good luck with that. Seriously it's going to take a lot of luck to never get injured or seriously sick for the rest of your life AND die suddenly so you require no treatment.

I suggest living in a padded house in a seismically stable area and never going outside.

 

[TurtleCrusher]

"Tri-Care reserve is $54 a month for me" - Who pays this bill? If it is you, then you are paying $648 a year.

That's called a secondary insurance. It's for military reservists. I am also an electrician whose insurance is completely paid for. I'm double covered, bro.