Major parts of Obamacare going into effect now

Modelworks

Lifer
Feb 22, 2007
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Who cares. They just raise the premium and cut anything out that doesn't make them money.
My insurance has gone to hell since the obamacare crap started. I actually had decent insurance before obamacare caused things to change.
 

fskimospy

Elite Member
Mar 10, 2006
87,958
55,346
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Who cares. They just raise the premium and cut anything out that doesn't make them money.
My insurance has gone to hell since the obamacare crap started. I actually had decent insurance before obamacare caused things to change.

What negative changes in your insurance do you attribute to the ACA, and why?
 

Modelworks

Lifer
Feb 22, 2007
16,240
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What negative changes in your insurance do you attribute to the ACA, and why?

Insurance has cut what medicines and procedures they cover. The reason why is to pay for the new things that obamacare requires them to . How people thought that insurance companies were going to provide all this without some way to pay for it is the very reason this country has gone to hell.
 

fskimospy

Elite Member
Mar 10, 2006
87,958
55,346
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Insurance has cut what medicines and procedures they cover. The reason why is to pay for the new things that obamacare requires them to . How people thought that insurance companies were going to provide all this without some way to pay for it is the very reason this country has gone to hell.

Can you provide me with a list of what medicines and procedures they have dropped coverage for along with what additional coverages your insurance is now providing that the ACA has mandated? Is there documentation that shows this realignment is due to additional costs that the ACA has placed on your insurer?
 

Modelworks

Lifer
Feb 22, 2007
16,240
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Can you provide me with a list of what medicines and procedures they have dropped coverage for along with what additional coverages your insurance is now providing that the ACA has mandated? Is there documentation that shows this realignment is due to additional costs that the ACA has placed on your insurer?

It is a very long list, they sent out a 30 page book of changes. The reason for the changes was listed as 'restructuring due to changes in health care policies taking effect '.

I was more than pissed and called to see if there were ways to appeal some of the changes and was greeted on the phone with a recording that started off with 'if you are calling about the changes due to the health care law we apologize and would like to ask for your patience while we adjust'
 

fskimospy

Elite Member
Mar 10, 2006
87,958
55,346
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It is a very long list, they sent out a 30 page book of changes. The reason for the changes was listed as 'restructuring due to changes in health care policies taking effect '.

I was more than pissed and called to see if there were ways to appeal some of the changes and was greeted on the phone with a recording that started off with 'if you are calling about the changes due to the health care law we apologize and would like to ask for your patience while we adjust'

Interesting, your insurer must be quite unique as this is far out of line with other insurers nationwide. Do you have a link to their website? I'm sure that this book of changes is available on there as well and I would be interested to read into it more.
 

OneOfTheseDays

Diamond Member
Jan 15, 2000
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It is a very long list, they sent out a 30 page book of changes. The reason for the changes was listed as 'restructuring due to changes in health care policies taking effect '.

I was more than pissed and called to see if there were ways to appeal some of the changes and was greeted on the phone with a recording that started off with 'if you are calling about the changes due to the health care law we apologize and would like to ask for your patience while we adjust'

Your experience is definitely not inline with mine.

I have United Healthcare, and my coverage has not changed one iota. I've also switched over to a higher deductible plan with an HSA that my employer contributes to so overall I'm paying less than I used to.
 

fskimospy

Elite Member
Mar 10, 2006
87,958
55,346
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Your experience is definitely not inline with mine.

I have United Healthcare, and my coverage has not changed one iota. I've also switched over to a higher deductible plan with an HSA that my employer contributes to so overall I'm paying less than I used to.

Nor with mine, which is why I'm curious as to why his insurer had to undertake such radical action.
 

sactoking

Diamond Member
Sep 24, 2007
7,647
2,922
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Interesting, your insurer must be quite unique as this is far out of line with other insurers nationwide. Do you have a link to their website? I'm sure that this book of changes is available on there as well and I would be interested to read into it more.

It's not out of line at all. Insurers everywhere are cutting services and increasing premiums to comply with the new regulations. The impending change that will cap the spread between low and high premium payers will increase premiums for the vast majority of insureds. The 85% minimum cost outlay will lead to individual plans being less available (instead of more) since agents' commissions were stupidly included in the equation. Insurers are slashing commissions to comply and agents are starting to refuse to sell individual plans since they aren't able to cover their costs any more. Just wait until 2014 when the hundreds of billions in extra taxes start getting passed on to the public...
 

OneOfTheseDays

Diamond Member
Jan 15, 2000
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It's not out of line at all. Insurers everywhere are cutting services and increasing premiums to comply with the new regulations. The impending change that will cap the spread between low and high premium payers will increase premiums for the vast majority of insureds. The 85% minimum cost outlay will lead to individual plans being less available (instead of more) since agents' commissions were stupidly included in the equation. Insurers are slashing commissions to comply and agents are starting to refuse to sell individual plans since they aren't able to cover their costs any more. Just wait until 2014 when the hundreds of billions in extra taxes start getting passed on to the public...

Ultimately Obamacare is a step towards a true single-payer option. Nationalized healthcare is coming whether you like it or not. It's the only real solution to our health care problems.
 

Spikesoldier

Diamond Member
Oct 15, 2001
6,766
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Nor with mine, which is why I'm curious as to why his insurer had to undertake such radical action.

It could be the insurance company using PPACA as an excuse to raise rates or cut benefits.

Or it could be to comply with the regulations of the PPACA.

Which do you think is more probable?
 

Jhhnn

IN MEMORIAM
Nov 11, 1999
62,365
14,685
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Interesting, your insurer must be quite unique as this is far out of line with other insurers nationwide. Do you have a link to their website? I'm sure that this book of changes is available on there as well and I would be interested to read into it more.

I, too, would like to look into this further. Looking forward to your posting of the information, modelworks.

Thanks.
 

IGBT

Lifer
Jul 16, 2001
17,974
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expect reductions in work force to break even with payroll expenses with this and future obama effects.
 

cubby1223

Lifer
May 24, 2004
13,518
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http://politics.gather.com/viewArticle.action?articleId=281474980855932

As of Dec. 2, health insurers are now required to put 80-85% of your premium towards your medical cost.

It's a nice wet dream for liberals to have such regulations...

But, for running a company, say x is the amount you take in as revenue, and y is the amount you pay out for medical costs.

government regulations say:
y / x >= 0.80

except, x & y are unknowns at the start of each year. How do you do that as a business? How do you plan? You can make educated guesses at what *might* happen during the year, but no one knows with certainty what *will* happen.

The only thing the insurance company can do, is pad some buffer-room into the cost estimates, plan to deny a certain percentage of claims and adjust accordingly as the year progresses. And play around with who gets insured and who doesn't. It's not so much the fault of the company, rather it's just the reality of the regulation.

Say, for example, the last month comes and the numbers are teetering around the 80% mark, the insurance company may be forced to deny new applicants to keep their income less through the remainder of their fiscal year to comply with government regulations.


I see this as similar to balanced budget legislation in congress - yes it is very important that government balances their budget but most of us can agree that mandating a balanced budget is a bad thing.
 
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RedChief

Senior member
Dec 20, 2004
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Ultimately Obamacare is a step towards a true single-payer option. Nationalized healthcare is coming whether you like it or not. It's the only real solution to our health care problems.

So the only solution is to destroy a system that works well for some and implement a system that works like crap for all?
 

Texashiker

Lifer
Dec 18, 2010
18,811
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As of Dec. 2, health insurers are now required to put 80-85% of your premium towards your medical cost.

That is a slap in the face to small business. Government mandates like this are going to drive small businesses out of business. Its difficult enough for small businesses to make a profit; stuff like this health care stuff is just another nail in the coffin.

One the other hand, if the government really wanted to do something, make companies like walmart provide a liveable wage and hire more full time workers.
 

PokerGuy

Lifer
Jul 2, 2005
13,650
201
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Insurance has cut what medicines and procedures they cover.

Same here, got a booklet listing all the meds and procedures that are no longer covered. Even the asthma control inhaler I use is no longer covered. The explanation was "adjustments required to comply with the affordable care act".
 

Exterous

Super Moderator
Jun 20, 2006
20,569
3,762
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Interesting, your insurer must be quite unique as this is far out of line with other insurers nationwide

BCBS of Michigan (I believe this is the largest provider in Michigan) raised the premiums significantly citing 'increased coverage requirements'. The last company I worked for could no longer afford 100% coverages and droped to 90% across the board (Despite switching to their 'Wellness' plan last year) Currently both my wifes and my employer have had to make drastic employee contribution increases as well and both go through BCBS
 

Jhhnn

IN MEMORIAM
Nov 11, 1999
62,365
14,685
136
Same here, got a booklet listing all the meds and procedures that are no longer covered. Even the asthma control inhaler I use is no longer covered. The explanation was "adjustments required to comply with the affordable care act".

As Eskimospy asked earlier, which insurance company is your provider?

I'm pretty sure they'd offer greater explanation on their website than you could practically provide here....
 

PokerGuy

Lifer
Jul 2, 2005
13,650
201
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As Eskimospy asked earlier, which insurance company is your provider?

I'm pretty sure they'd offer greater explanation on their website than you could practically provide here....

Aetna Health Inc PA, and no, I don't see anything on their site about it. Why would any company advertise something like that? They just have to notify existing plan members of what things previously covered will no longer be covered.
 

Hayabusa Rider

Admin Emeritus & Elite Member
Jan 26, 2000
50,879
4,268
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There are little "treats" in the legislation like penalizing physicians who treat obese patients when reimbursement comes from a government source. I'm sure the obamacare mavens can explain why that is. :rolleyes:
 

Macamus Prime

Diamond Member
Feb 24, 2011
3,108
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Next up; Obamacare is at fault for the mutants running around in the wastelands. Turns out, shortly after the rest of the arks where sealed off and the meteor hit, Obama opened up the arks with his key personnel and those loyal to him.

He directed them to proceed with experiments on humans. Humans were injected with nanites that placed them under direct control of Obama. Those that did not obey were thrown out into the wastelands.

You see, the meteor didn't create the mutants, it was Obama all along.
 

cybrsage

Lifer
Nov 17, 2011
13,021
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Ultimately Obamacare is a step towards a true single-payer option. Nationalized healthcare is coming whether you like it or not. It's the only real solution to our health care problems.

I would rather see a less centralized healthcare system. The Brits are in the process of decentralizing their healthcare system as they found out a highly centralized one is bad.

I would rather allow each state to create their own version. Each state can learn from the others and each state can take care of the individual needs of their own people.

You would never get all the EU nations to agree on a single system for all their countries, run by the EU. Why should all the states have a single system run by the Fed Gov?
 

Ausm

Lifer
Oct 9, 1999
25,213
14
81
Insurance has cut what medicines and procedures they cover. The reason why is to pay for the new things that obamacare requires them to . How people thought that insurance companies were going to provide all this without some way to pay for it is the very reason this country has gone to hell.

LMAO are you really this clueless or is this an act?