Whitehouse ACA Tax Crisis

[boomerang]

i pay 17 a month for my delta dental insurance. its cheap and id rather pay 500 bucks for a root canal and crown compared to 1300, not to mention the annual checkups for 5 people which is about $120 each if i did not have insurance. its a good deal and not a rip off.

Wait, so you're telling us that the one size fits all dictum of the far left doesn't apply to you? How dare you make a decision for yourself!

 

[fskimospy]

i pay 17 a month for my delta dental insurance. its cheap and id rather pay 500 bucks for a root canal and crown compared to 1300, not to mention the annual checkups for 5 people which is about $120 each if i did not have insurance. its a good deal and not a rip off.

I find it hard to believe that you have dental insurance that covers 5 people for $17 a month, but if you've found someone willing to give you that deal then of course you should take it.

For basically everyone else in the country, dental insurance is just a way to prepay for predictable expenses. People who have taken care of their teeth rarely walk into the dentist's office and are confronted with a $50,000 bill unexpectedly, and even if they do the max benefit for dental insurance is so low it doesn't really matter. That's why dental insurance is more like an HSA, but one you are paying someone else to maintain.

 

[fskimospy]

Ur wrong he's right, there saved you the trouble.

:awe:

It's funny to watch how badly you react when someone threatens your ideological bubble.

lol.

 

[OverVolt]

Wait, so you're telling us that the one size fits all dictum of the far left doesn't apply to you? How dare you make a decision for yourself!

Yea a bad decision.

If CNN doesn't say its true then its not true.

http://www.cnn.com/2013/10/08/health/dental-health-care-coverage/

http://money.cnn.com/2014/11/20/news/economy/obamacare-enrollment-fudged/

Oops shit he isn't even parroting CNN right.

 

[OverVolt]

It's funny to watch how badly you react when someone threatens your ideological bubble.

lol.

I dunno why you think I'm threatened I've had you figured out for quite some time.

 

[highland145]

No UR WONG.

Scots, Irish, German, mutt but I don't think I have any Chinese blood.:hmm:

In all seriousness, you might want to check out the exchange and look for yourself. I don't know your details, but it sounds like you might save a lot of money.

In addition to what my agent said.

http://kff.org/interactive/subsidy-calculator/

No subsidy. Looks like I should be happy with my $618.

 

[fskimospy]

Yea a bad decision.

If CNN doesn't say its true then its not true.

http://www.cnn.com/2013/10/08/health/dental-health-care-coverage/

http://money.cnn.com/2014/11/20/news/economy/obamacare-enrollment-fudged/

Oops shit he isn't even parroting CNN right.

What's this weird obsession with CNN? You clearly read it fairly regularly, although I have to say I can't remember the last time I watched the channel or read an article from it.

Also, your article on dental coverage says nothing as to whether or not purchasing dental insurance is a good deal for someone. Do you even read the shit you link? (I'll answer that for you: "No")

 

[fskimospy]

Scots, Irish, German, mutt but I don't think I have any Chinese blood.:hmm:

In addition to what my agent said.

http://kff.org/interactive/subsidy-calculator/

No subsidy. Looks like I should be happy with my $618.

Forget the subsidy. I don't know your age or how many kids, but for a random 40 year old smoker in Charleston you can get a plan for $214 a month that has a $5,500 deductible. Hell, for a 50 year old smoker with 2 kids on the plan you can still save about $150 a month off of what you quoted.

Again, only you know your exact circumstances, but it seems like https://www.healthcare.gov/ might be worth a try.

 

[fskimospy]

I dunno why you think I'm threatened I've had you figured out for quite some time.

It's pretty obvious by the way you react to inconvenient information.

 

[highland145]

Forget the subsidy. I don't know your age or how many kids, but for a random 40 year old smoker in Charleston you can get a plan for $214 a month that has a $5,500 deductible. Hell, for a 50 year old smoker with 2 kids on the plan you can still save about $150 a month off of what you quoted.

Again, only you know your exact circumstances, but it seems like https://www.healthcare.gov/ might be worth a try.

Isn't the whole selling point based on being subsidized?

The EPO's I mentioned? The ones that suck?

 

[OverVolt]

What's this weird obsession with CNN? You clearly read it fairly regularly, although I have to say I can't remember the last time I watched the channel or read an article from it.

Also, your article on dental coverage says nothing as to whether or not purchasing dental insurance is a good deal for someone. Do you even read the shit you link? (I'll answer that for you: "No")

Its the most politically correct thing for me to read at work for my area. :awe:

I'm usually just picking apart the articles though. The comments are great and usually everyone disagrees with the article. CNN had to shut down comments because of it, except on CNN money.

You actually toe a stronger ACA line than even CNN apparently. You must get the KFF (Kaiser Family Foundation) newsletter!

I couldn't find a CNN article blasting dental coverage oddly enough. All I could find was complaining about how the ACA didn't cover dental especially for the younger crowd, like I was complaining.

The KFF thought they could overthrow BCBS in the insurance market during the ACA reforms. BCBS intentionally didn't put many plans on the marketplace early on because they thought the sickest would enroll first is my understanding why BCBS had such bad offerings initially. That was intentional. They were probably correct. But even the KFF has been complaining because of stuff like EHR's causing all sorts of problems, even the Kaiser hospitals are hurting. Oops.

 

[fskimospy]

Isn't the whole selling point based on being subsidized?

The EPO's I mentioned? The ones that suck?

It's subsidized for people below a certain income, but not for everyone.

Again, you may have some very specific needs that I don't know about, but I do know that your premium is literally several times that of what you can get for other plans with lower deductibles than you've mentioned.

 

[fskimospy]

Its the most politically correct thing for me to read at work for my area. :awe:

I'm usually just picking apart the articles though. The comments are great and usually everyone disagrees with the article. CNN had to shut down comments because of it, except on CNN money.

You actually toe a stronger ACA line than even CNN apparently. You must get the KFF (Kaiser Family Foundation) newsletter!

I couldn't find a CNN article blasting dental coverage oddly enough. All I could find was complaining about how the ACA didn't cover dental especially for the younger crowd, like I was complaining.

The KFF thought they could overthrow BCBS in the insurance market during the ACA reforms. But not even the KFF has been complaining because of stuff like EHR's causing all sorts of problems, even the Kaiser hospitals are hurting. Oops.

Haha, so the guy who reads CNN all the time is accusing me, who basically never reads CNN, of getting all my info from them.

Classic. lol.

 

[highland145]

It's subsidized for people below a certain income, but not for everyone.

Again, you may have some very specific needs that I don't know about, but I do know that your premium is literally several times that of what you can get for other plans with lower deductibles than you've mentioned.

The # my agent quoted was $79K.

Are they the "consumer choice" or "B/C essentials"? The EPO's.

 

[OverVolt]

Haha, so the guy who reads CNN all the time is accusing me, who basically never reads CNN, of getting all my info from them.

Classic. lol.

Well you have all the politically correct talking points down pat.

 

[fskimospy]

The # my agent quoted was $79K.

Are they the "consumer choice" or "B/C essentials"? The EPO's.

No, there are PPO's and others that have much lower premiums than you are paying and much smaller deductibles.

Again though, I don't know your age, how many kids you're putting on your plan, etc. You can put in your basic info there in literally about 2 minutes and see. I have no idea if you will get a better deal, but I think you might.

 

[fskimospy]

Well you have all the politically correct talking points down pat.

What the hell does political correctness have to do with this?

You sound like someone who consumes a lot of right wing media, because you're just jumbling together commonly used ultra-right phrases.

 

[ivwshane]

What the hell does political correctness have to do with this?

You sound like someone who consumes a lot of right wing media, because you're just jumbling together commonly used ultra-right phrases.

Lol!

 

[bshole]

The # my agent quoted was $79K.

Are they the "consumer choice" or "B/C essentials"? The EPO's.

You must have some pre-existing medical condition that you haven't told us about? 10 kids. Something

$618 a month???!!!!! There has to be more to this. I don't know anybody that pays that much.

 

[OverVolt]

What the hell does political correctness have to do with this?

You sound like someone who consumes a lot of right wing media, because you're just jumbling together commonly used ultra-right phrases.

Like with the ACA enrollment numbers, there is indeed alot of fuzziness in how they collect the data. And they indeed have not released the number of uninsured who are now insured (At the bottom of one of the CNN articles I just linked). You'll spout off like "7.1 million Americans have ACA plans great success!" and for how well you type its surprising you aren't capable of thinking. Its just a talking point. And it was 6.7 million apparently. Cause when you're off by 400k whose counting?

It IS a right-wing talking point. The thing is they are correct. But they (Fox news et al) go overboard and discredit themselves. So politics is just an ignorance circlejerk thereafter. I dunno if its always been like this or if its more of a modern issue. But there is a pretty huge lack of common sense on all sides. I have to give a Fox news article like a free pass because half of it is factual inaccuracies. Oddly enough that parts that are correct are spot on however.

Game theory wise, this will blow back on the democrats when people are unhappy with the end result of the ACA. So I'm having fun getting all the resident democrats out of the woodwork so we can all laugh at their shilling 2-3 years down the road.

 

[fskimospy]

Like with the ACA enrollment numbers, there is indeed alot of fuzziness in how they collect the data. And they indeed have not released the number of uninsured who are now insured (At the bottom of one of the CNN articles I just linked). You'll spout off like "7.1 million Americans have ACA plans great success!" and for how well you type its surprising you aren't capable of thinking. Its just a talking point. And it was 6.7 million apparently. Cause when you're off by 400k whose counting?

It IS a right-wing talking point. The thing is they are correct. But they (Fox news et al) go overboard and discredit themselves. So politics is just an ignorance circlejerk thereafter. I dunno if its always been like this or if its more of a modern issue. But there is a pretty huge lack of common sense on all sides.

I never cited a specific number ("millions" was the closest I got). The only thing I cited was a gallup poll that's been polling continuously for years now that showed a precipitous drop in the proportion of those who say they are uninsured after the ACA went into effect. It's an independent, third party estimate of its effect, and that effect is significant.

Have you considered that maybe you're not thinking clearly about what's being said and are instead substituting what you think the other person must be saying or something you read in the CNN comments section?

Thanks for saying I type well though!

 

[highland145]

You must have some pre-existing medical condition that you haven't told us about? 10 kids. Something

$618 a month???!!!!! There has to be more to this. I don't know anybody that pays that much.

1 kid, spouse, I take a HBP pill. I am self employed so I pay all of the premium.

 

[Victorian Gray]

Dude, if you are can't afford it, you could move to Canada. Their health care blows ours away and is absolutely free.

Canada is by far the best country in the Americas. No other country even comes close.

I really wish that people would stop saying that. It's not 'free' and we understand this.

 

[werepossum]

Its not working. Part of the ACA was increased use of technology in hospitals. I think I've raked in like 10 hours of OT a week because none of the machines work as promised and they always break, the budget at everyplace that bought these machines is strained because of it. Not only did they spend millions on the machines but they typically doubled the workload as well. So either bite the bullet and hire more staff or get stuck with paying OT. Much like everything else in the law it doesn't do what was promised. Lol.

JHACO has caught on to the fact that 25% of all med mistakes are now sourced in EHR's. They were advertised as being 99.99% error free. Just like I could keep my doctor, keep my plan, and that my costs would go down. Its all a joke. I'm in the individual market and my costs went up, and I lost my plan. At great cost, I was able to keep my doctor though. Only because I knew them well and what plans they worked with. But those plans were pricier and had less coverage. Please explain. I suppose we could keep a running list of people you owe an explanation to.

So far me and highland145 on this page of this thread alone.

I also have higher costs for less coverage, although if I used no health care for the year I'd save a twenty. So far my additional cost is less than a grand a year for two people, and although it definitely hurts, I don't consider it out of line for the added cost of insuring the newly insured who cannot (or sometimes will not) buy health insurance. I'd really like to stop finding new ways of being worse off under it though. And I'm really, really tired of the idiots who insist I'm better off. (Although if I got really, really expensively sick and hit what would previously have been my lifetime limits. I would be better off under Obamacare. The Bureaucracy Giveth and the Bureaucracy Taketh Away, blessed be the Name of Bureaucracy.) No one owes me an explanation though, as I managed to keep all but one of my doctors and I expected it to be more expensive all along. Just please don't piss on my leg and try to tell me it's raining.

 

[Matt1970]

I really wish that people would stop saying that. It's not 'free' and we understand this.

How else are we going to pass it here unless everyone lies about it?