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umbrella39

Lifer
Jun 11, 2004
13,816
1,126
126
Fuuuuuuuuuuuuuuuuuuuck this new health care BS!!!

I'm young and in good health so I always go with the cheapest plan. Currently $20.71 per pay period.
Now my current plan is going to be made the "premium" plan and will cost $58.18 per pay period!!! Or I can go to a new 'lower' plan with a much higher deductible & out of pocket cost for $32.49 per pay period.

So I get to pay an extra $306.28 a year for worse coverage! Thanks Obama!

And looking back, I was only paying $14.27 per period in 2009. Awesome. I'll be paying more than double what I used to.

Grow up and stop blaming your problems on something that hasn't even happened yet. Young and in good health... get over it.
 

mb

Lifer
Jun 27, 2004
10,233
2
71
Grow up and stop blaming your problems on something that hasn't even happened yet. Young and in good health... get over it.
WTF are you talking about? It is happening. We just got the newsletter with the new prices; open enrollment starts next week.

I've always stayed away from P&N because of people like you. Only remembered this topic because it was originally in OT.
 

chucky2

Lifer
Dec 9, 1999
10,016
36
86
Haha... IF it could be successful... LOL...

The VA is what killed my friend. They dragged their feet on testing for so long (four months) his tumors had an opportunity to grow past the point of being eligible for a tansplant.

As a last ditch effort he went to India to try and get a transplant. They ran the same tests in TWO DAYS.. TWO DAYS... The doctor told him if he had left the US and tried to score a new organ in India while he was in the middle of being jacked around by the VA he would have had his transplant and been back home already.

Now he's just a puddle of goo on my couch with a couple of weeks left to live.

Yeah, the VA is a great shining example of how socialized medicine works. Expensive treatment? No worries... just drag your feet until it's too late. Problem solved!

And this is really my fear with the Fed. nationalizing healthcare: Poor - as compared to a private model - public service that is the almost norm at every publicly run operation.

Infrastructure (which covers a large swath), DMV, there is just not a good level of service for the money invested in these operations. Ever. (at least where I'm at, Chicagoland).

Then again, the private model my mom and dad (mom had cancer, seems to be clean now, dad just diagnosed with interhepatic cholangiocarcinoma) are on, BlueCrossBlueShield 'Bluevantage', so far the Dr.'s here on the south side of Chicago can't get their sh1t together either. Been 2 months since he went in, they still haven't even got around to getting an oncologist meeting (where is the oncologist proactively earning those big bucks they make, and the HMO which gets paid those big premiums???) nor have they solved his primary complaint: Pain and bloating after eating, so much so, he just won't eat.

So.....a bad public model (and, we know given the service mentality in the US, it'll be bad) or a private model that clearly has large issues.

Decisions, decisions......

Chuck
 

senseamp

Lifer
Feb 5, 2006
35,787
6,197
126
All this whining over $300/year? That's basically a round off error as far as medical costs go.
 

umbrella39

Lifer
Jun 11, 2004
13,816
1,126
126
WTF are you talking about? It is happening. We just got the newsletter with the new prices; open enrollment starts next week.

I've always stayed away from P&N because of people like you. Only remembered this topic because it was originally in OT.

You thanked Obama for your increase didn't you? Premiums have been going through the roof for years and YOUR increase is Obamas fault. You should visit P&N more, you'd fit right in.
 

mb

Lifer
Jun 27, 2004
10,233
2
71
You thanked Obama for your increase didn't you? Premiums have been going through the roof for years and YOUR increase is Obamas fault. You should visit P&N more, you'd fit right in.
Wow, that part was more tongue-in-cheek than anything. Get a sense of humor. My real complaint is about the increase no matter what the reason. Fact is, I'm paying much more and getting less. I don't care who you are, paying more for less sucks.
 

JEDIYoda

Lifer
Jul 13, 2005
33,986
3,320
126
Common sense says when you force an insurance company to pay more money out (no maximums, zero copay for preventative stuff, 26 year old "kids" on parents family plan) premiums will go up.

And that's exactly what has happened. It's common sense.


Common sense doesn`t account for what the actual costs are...so please take your supposed commonn sense elsewhere!!
 

biostud

Lifer
Feb 27, 2003
18,647
5,369
136
Can't you just team up in larger groups/companies and negotiate a better deal?

(not sure how the US system works, since I pay my healthcare through my taxes)
 

JEDIYoda

Lifer
Jul 13, 2005
33,986
3,320
126
Do you not understand fillibuster proof majority in the senate and almost 2/3rds in house? There was not a single thing republicans could have done to stop anything the democrats wanted.


hahaha your dreaming and as usual blabbering all over the place!!
 

spidey07

No Lifer
Aug 4, 2000
65,469
5
76
This is what the Republicans who are still crying over Obama getting elected would have you to believe!!

When you force insurance companies to pay more money, cover stuff for "free", add 26 year old "children" to a family policy premiums MUST be raised. The catastrophic premium increases are in DIRECT relation to the healthcare law. It isn't hard to comprehend, but it is incredibly difficult to be so dense as to not understand the reasoning behind the increases.
 

umbrella39

Lifer
Jun 11, 2004
13,816
1,126
126
Wow, that part was more tongue-in-cheek than anything.

I apologize then. So many here are blaming their increase this year on the guy it's hard to tell who is being genuine. Mine have gone up pretty much every year since 1998 but I never blamed the jerk in the WH. I blame greed more than anything.
 

spidey07

No Lifer
Aug 4, 2000
65,469
5
76
Common sense doesn`t account for what the actual costs are...so please take your supposed commonn sense elsewhere!!

I explained what the added costs were in my post. Those provisions WILL force insurance to pay more money out. The ONLY RESULT of more money out is increased premiums.
 

mb

Lifer
Jun 27, 2004
10,233
2
71
I apologize then. So many here are blaming their increase this year on the guy it's hard to tell who is being genuine. Mine have gone up pretty much every year since 1998 but I never blamed the jerk in the WH. I blame greed more than anything.
Thanks.
As I said I am young, I've only been working full time since 2007. My cost has gone up each time (well, there was a $2 dip for 6 months in 2008) and so far this is the largest increase yet, and the biggest drop in coverage as well. One way or another, I'm tired of the health insurance BS. No matter who has what solution, I keep paying more and getting less.
 

Ns1

No Lifer
Jun 17, 2001
55,418
1,599
126
same plan same everything 13% increase.

(except for that FSA thing. fuck you obamacare)
 

OutHouse

Lifer
Jun 5, 2000
36,410
616
126
Common sense says when you force an insurance company to pay more money out (no maximums, zero copay for preventative stuff, 26 year old "kids" on parents family plan) premiums will go up.

And that's exactly what has happened. It's common sense.

wtf why would rates go up? I really do not understand this logic. what is the difference between a parent with 21 year old kid on their insurance plan to a 26 year old kid on their insurance plan. why would there be a cost increase in that???
 

Ns1

No Lifer
Jun 17, 2001
55,418
1,599
126
wtf why would rates go up? I really do not understand this logic. what is the difference between a parent with 21 year old kid on their insurance plan to a 26 year old kid on their insurance plan. why would there be a cost increase in that???

5 extra years of coverage?
 

jhbball

Platinum Member
Mar 20, 2002
2,917
23
81
No one actually started complaining about their rate increases until Obama became president. Discuss.
 

spidey07

No Lifer
Aug 4, 2000
65,469
5
76
wtf why would rates go up? I really do not understand this logic. what is the difference between a parent with 21 year old kid on their insurance plan to a 26 year old kid on their insurance plan. why would there be a cost increase in that???

Family has 4 "children". Age 25, 24, 20 and 17 (the latter two are in school).

Before the family plan and it's premium would cover the parents and the 17 and 20 year old. Because of the law insurance MUST allow the 24 and 25 year old "child" onto the same family plan.

Remember, a family plan is for the entire family so their premiums won't be increased from going from two dependents to 4 but the money out and risk from insurance company will and therefore the premiums for all plan participants must go up.

Is this really that difficult to understand? Really? You're adding costs and risk, premiums MUST be increased to accommodate that.
 
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OutHouse

Lifer
Jun 5, 2000
36,410
616
126
i just checked my paystubs and compared Oct 15th 1010 to Oct 15th 2009

oct 15th 2010 $174.98 per payday

oct 15th 2009 $156.76 per payday

an increase of 11.6% in one year.
 

Scotteq

Diamond Member
Apr 10, 2008
5,276
5
0
No one actually started complaining about their rate increases until Obama became president. Discuss.


People have been complaining about their insurance rates for a long long time.
The only difference is now we have someone besides the Insurance companies to blame it on. The current administration is the target because the current administration saw fit to step in and "own" the issue.

Fair 'nuff?
 

mb

Lifer
Jun 27, 2004
10,233
2
71
No one actually started complaining about their rate increases until Obama became president. Discuss.
I did complain every time mine went up (not on here, obviously), but really it wasn't until the last presidential campaigns that it became a popular topic.