Healthcare reform, changes go into effect today

[bfdd]

So I'm kind of curious about this "til 26" thing. I have my own insurance and my parents have theirs. Would I be able to use both in conjunction to cover costs? If so lol loophole, not all 18-26 year olds need their parents insurance.

 

[Zebo]

You guys really sweating $70 or so a month? Wait until the real changes kick in and you start having to pay amortized costs, full retail amortized costs since O made sure hosp, pharma, and lawyers would be enriched in exchange for their support, of all these people with chronic problems who are uninsured today.

 

[bfdd]

You guys really sweating $70 or so a month? Wait until the real changes kick in and you start having to pay amortized costs, full retail amortized costs since O made sure hosp, pharma, and lawyers would be enriched in exchange for their support, of all these people with chronic problems who are uninsured today.

Here's hoping the giant European company I work for keeps ours up to snuff, if not I'll just go use my parents. My dads policy is almost as good as the one I used to have when I was union rofl.

 

[*kjm]

Here's hoping the giant European company I work for keeps ours up to snuff, if not I'll just go use my parents. My dads policy is almost as good as the one I used to have when I was union rofl.

Till you turn 27 then you are with all of us..... then you get raped and get crap coverage

 

[spidey07]

I'm going to laugh so fucking hard if the Republicans somehow manage to repeal this, and then spidey or CAD get dropped from their insurance. They'd probably be ok with it though, seeing as how that's capitalism at its finest! Thanks for being willing to take a personal hit on beating the big ugly red machine.

I have no worries. If that happens I'll jump on wifey's cadilac plan or get insurance myself else where. This is the power of personal responsibility.

I'm not a dumb ass and would never let my health insurance lapse for 10 days, let alone 30.

 

[PeshakJang]

This is the power of personal responsibility.

Saying that phrase to a liberal is like throwing holy water on a vampire.

 

[bfdd]

Till you turn 27 then you are with all of us..... then you get raped and get crap coverage

huh? I already have my own insurance coverage, but my fathers is better than my current coverage. I'm wondering if I could use BOTH. Since legally he still covers me now.

 

[spidey07]

huh? I already have my own insurance coverage, but my fathers is better than my current coverage. I'm wondering if I could use BOTH. Since legally he still covers me now.

You can have both afaik but one has to be registered as primary and the other picks up where the primary policy left off. I am not a hi expert but it works like this with every other insurance.

 

[nobodyknows]

First of all, I'm sorry to hear about your mom's fall. It sucks when these things happen and I sincerely hope she recovers quickly. I can relate. Just 2 days ago, on Tuesday morning I got a call from one of my wife's coworkers telling me that my wife had collapsed at work and hit her head. We spent the entire day in the hospital and they ran all kinds of tests to figure out why she fainted. Blood tests, EKG, even a CAT scan all revealed nothing. Thankfully, she is doing well (albeit bruised up and with 8 stitches on the side of her head where she hit a countertop on the way down) and we certainly hope this does not happen again.



My wife's trip to the hospital this week? Over $3000 in a single day. All of which we owe out of pocket - and we are okay with that. That is the risk we take for having lower premiums, and we have money set aside for emergencies such as this. As I said in my original post, we have a relatively modest insurance policy with a high deductible - far from comprehensive healthcare coverage. In my mind, that is the purpose of insurance; if anything truly catastrophic were to happen we would be covered, but it is our responsibility to handle anything reasonable. I'm sure we are also much younger than your mother (both in our late 20's), and in good health (barring this week's incident), so that also contributes to our lower premium.

But that low premium clearly is not staying low much longer. Yet, the risk we assume remains the same. The rate increase is also unrelated to this week's incident as the letter was drafted before any of this occured. Maybe they will raise our rates even more.

Let's hope your wife doesn't have that happen again next month... and the month after that and the month after that and .......

 

[spidey07]

Let's hope your wife doesn't have that happen again next month... and the month after that and the month after that and .......

His deductable would have been met and max OOP. Are you people really this clueless when it comes to insurance?

 

[lothar]

Where are people going full time to college supposed to get their health insurance from? It's very rare to get health insurance from a part time job. Why should parents have to buy independant insurance for their kids in college instead of just keeping them on their plan from work?

College takes 4 years to get a Bachelor's. 18+4=22. Add +1 or +2 as a safety net for those who started school late or flunked a year in college. Why should it be higher than 23-24? What research or statistic lead them to pick "26" randomly out of the blue?

A 26 year old in college getting a Bachelor's? If you're going to do that, why not extend it to 70 years?
A 62 year old graduated with me two years ago...We were in the same class.

 

[lothar]

It's feasible because in return the insurance companies get the mandate. Your child with diabetes is balanced by healthy people who previously would have gamed the system and not gotten insurance.

How exactly would a healthy person have gamed the system?
If you're perfectly healthy and don't need to see a doctor, visit the ER, or take stupid lab tests, how exactly are you "gaming" the system?
You didn't put anything in the system, and you're also not getting any benefit from it.

 

[spidey07]

College takes 4 years to get a Bachelor's. 18+4=22. Add +1 or +2 as a safety net for those who started school late or flunked a year in college. Why should it be higher than 23-24? What research or statistic lead them to pick "26" randomly out of the blue?

A 26 year old in college getting a Bachelor's? If you're going to do that, why not extend it to 70 years?
A 62 year old graduated with me two years ago...We were in the same class.

The goal of that provision was others should provide for you. It extends the child mentality well into adulthood. The end game is reliance on government.

 

[postaled]

No you do not get both. IIRC it does not apply to you if you have insurance through your employer.

 

[Throckmorton]

The goal of that provision was others should provide for you. It extends the child mentality well into adulthood. The end game is reliance on government.

How is paying to stay on your parents' plan leading to reliance on the government?

 

[spidey07]

How is paying to stay on your parents' plan leading to reliance on the government?

Follow the steps.

1) Child cannot exist on it's own
2) Child needs care
3) Child is 19, sees the "real world" is all scary and bad
4) Child goes to college
5) Child, at age 23, still cannot provide for itself, "real world" is scary and bad
6) Child must therefore be taken care of by the parent
7) Government replaces role of parent

If you're 23 years old and can't take care of yourself then it's nothing more than Darwin at work. It's nothing more than nanny government.

 

[manimal]

Follow the steps.

1) Child cannot exist on it's own
2) Child needs care
3) Child is 19, sees the "real world" is all scary and bad
4) Child goes to college
5) Child, at age 23, still cannot provide for itself, "real world" is scary and bad
6) Child must therefore be taken care of by the parent
7) Government replaces role of parent

If you're 23 years old and can't take care of yourself then it's nothing more than Darwin at work. It's nothing more than nanny government.

Jump to conclusions much?

You assume quiet a bit, when I was 23 I did get insurance from my university. Some kids going to technical schools or going to school part time while working part time do not have that luxury. Case in point a friend of mines son was 25 and hurt his elbow playing basketball with his friends. 19K later his elbow was fine.....


You can disagree about the mandate but the meat of the bill is good for normal people. If you underemployed-millions of people btw- or self employed this health care bill will be a godsend.

Take opera singers for example-my main profession-we work contracts that last 3-4 months or a year at the most. Most young struggling singers have to live without healthcare till their advanced enough to be able to afford it. I was doing very well for about 10 years when my wife was in a horrible car accident. She was on cobra coverage from another job and had cobra expire. I had to take a day job to get her coverage but still had to swallow a majority of her bills since it was a preexisting condition. I now run two small businesses on the side but I have to keep the day job for a little while longer since we got pregnant with triplets.... Most of the people I know make their job choices on which parent can get the insurance.

Rates have been climbing at an alarming rate for a while. Remember when the 85 cents on the dollar rule kicks in whatever they charge you what you do not use comes back to you. These hikes are both political and short term profit boosts...

 

[dank69]

College takes 4 years to get a Bachelor's. 18+4=22. Add +1 or +2 as a safety net for those who started school late or flunked a year in college. Why should it be higher than 23-24? What research or statistic lead them to pick "26" randomly out of the blue?

A 26 year old in college getting a Bachelor's? If you're going to do that, why not extend it to 70 years?
A 62 year old graduated with me two years ago...We were in the same class.

Some people do try to get Masters/PhD. I know it's shocking news.

 

[2Xtreme21]

Follow the steps.

1) Child cannot exist on it's own
2) Child needs care
3) Child is 19, sees the "real world" is all scary and bad
4) Child goes to college
5) Child, at age 23, still cannot provide for itself, "real world" is scary and bad
6) Child must therefore be taken care of by the parent
7) Government replaces role of parent

If you're 23 years old and can't take care of yourself then it's nothing more than Darwin at work. It's nothing more than nanny government.

So what do you suggest the MANY 23 year olds I graduated with do that are working two part time jobs (that offer no benefits) to be able to pay their rent and tuition while they're going to grad school? I assure you they're not "real world is scary and bad" people and were probably taught greater values than your spoiled ass has ever been taught.

They have to get health insurance somehow... or do you suggest they just suck it up and live life on the edge?

 

[charrison]

So what do you suggest the MANY 23 year olds I graduated with do that are working two part time jobs (that offer no benefits) to be able to pay their rent and tuition while they're going to grad school? I assure you they're not "real world is scary and bad" people and were probably taught greater values than your spoiled ass has ever been taught.

They have to get health insurance somehow... or do you suggest they just suck it up and live life on the edge?

They should purchase an inexpensive high deductible plan that covers catastrphic events and pay for the everyday stuff out of pocket. This is all that young people really need. Having them go on their parents plan at work will probably cost all parties more.

 

[dainthomas]

I have no worries. If that happens I'll jump on wifey's cadilac plan or get insurance myself else where. This is the power of personal responsibility.

I'm not a dumb ass and would never let my health insurance lapse for 10 days, let alone 30.

How would the "power of personal responsibility" keep you or your wife's plan from dropping you retroactively when you get brain cancer or something? Oh that's right, it wouldn't. But the new law would.

Thanks, Obama! :thumbsup:

 

[PeshakJang]

So what do you suggest the MANY 23 year olds I graduated with do that are working two part time jobs (that offer no benefits) to be able to pay their rent and tuition while they're going to grad school? I assure you they're not "real world is scary and bad" people and were probably taught greater values than your spoiled ass has ever been taught.

They have to get health insurance somehow... or do you suggest they just suck it up and live life on the edge?

They made the decision to go to grad school at 23 without the financial standing to do so. Why should other people pay for that decision?

 

[dainthomas]

They made the decision to go to grad school at 23 without the financial standing to do so. Why should other people pay for that decision?

Because it's probably good to encourage more citizens to get graduate degrees? Bachelors might not be worth as much these days, but a masters or PhD will still get you somewhere.

Plus those people will likely make more money, and thus pay higher taxes, when they get jobs.

 

[theeedude]

Its not rocket science, other countries figured it out already. No point reinventing the bicycle.

 

[charrison]

Its not rocket science, other countries figured it out already. No point reinventing the bicycle.

So which country has the perfect implementation of healthcare? Which country does not experience run away costs or rationing?