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Old     (Laker1234)      Join Date: Mar 2010       09-19-2014, 9:52 AM Reply   
I just found out today that our company will not be able to dodge the Obamacare mandates. Even though we will not see a significant premium increase, our out-of-pocket expenses were not so lucky. What I find interesting is if anyone enrolls in the silver or bronze plan, that person has to have a payroll deduction made into a savings account so the physician can be paid for the visit. What a farce.
Old     (wakeworld)      Join Date: Jan 1997       09-19-2014, 11:13 AM Reply   
Lost my insurance, but I did get to sign up for a much worse plan and pay twice as much. My wife lost her "girl" doctor of over 20 years and just found out her dermatologist is not available either. In fact, finding a doctor that will take our plan has proven to be extremely difficult. Not happy at all. Dopey people are running this country into the ground.
Old     (wake77)      Join Date: Jan 2009       09-20-2014, 6:40 AM Reply   
So why not find a different plan, David?
Old     (Laker1234)      Join Date: Mar 2010       09-20-2014, 7:41 AM Reply   
Jeremy, the idea is work on reducing the premiums so that can be documented in the newspaper (sounds like a winner to the public) but hike the deductibles and up the copay. The mandate specifically states what the companies must offer. As a result, less policies, which are garbage as compared to what I once had, are offered at even higher prices to most people. IMHO, most would be better off paying the fine and buying supplemental insurance. It's a no win for the majority of people who had good insurance.
Old     (baitkiller)      Join Date: Jan 2010       09-20-2014, 2:39 PM Reply   
Paying the fine and buying non compliant full coverage with no deductible or co pay is saving me about 7.000 dollars this year.
Dont buy what they are selling. The whole fine thing is gonna get tossed in a couple years anyway..Its unenforceable for those who never get refunds. Like me.
Old     (dyost)      Join Date: Jan 2007       09-20-2014, 4:43 PM Reply   
Bait, it is SAVING you $7000? I can't imagine what you're paying then.

I am so thankful (for now at least) that I have great insurance provided by my employer. Large, privately held business so I'm hoping it holds on, although I know our premiums and copays will continue to go up as they have for the last couple years.

Right now my monthly premium is $230/mo (for a family of 4), we have $45 copays for visits and $350 for outpatient procedures and surgeries. $800 deductibles

There is a line (I think it's 12D) on your W2 that your employer can use to show how much they spend on premiums for your insurance. In my case it is over $11,000 per year. So with my portion of the premium it's over $13k. I could not imagine having to shoulder that without employer assistance.
Old     (WuTang)      Join Date: Aug 2011       09-20-2014, 5:43 PM Reply   
I am (or was) a seasonal employee for the local government here, seasonals don't get insurance which is fine, I knew what I was getting myself into. Well with the mandate instead of giving seasonals insurance they just lay us off once we hit 1500 hours (I worked year round). The marketplace insurance is more than I was paying privately before even with the subsidy, with a much higher deductible, and I'm making less money since I only work 3/4 of what I used to. I bet a bunch of people are in the same boat as me. I know a lot of stupid people I worked with thought they were gonna get insurance from the job only to get their hours cut.
Old     (phathom)      Join Date: Jun 2013       09-21-2014, 10:08 AM Reply   
My work was able to keep their coverage. I can still go anywhere I want, however, our covered amount dropped from 90% to 80% in network. Our premiums also jumped about 20% and our copays/deductibles went up about 25%.
Ya, "keep your plan" but your plan is going to change since your employer has to offer other plans now and has to lose money at that, so they don't pay the same part of the regular plans as they used to, so now everything gets more expensive and for less coverage.
THANKS OBAMA!
Old     (Laker1234)      Join Date: Mar 2010       09-22-2014, 3:48 PM Reply   
This article is pretty objective about who Obamacare hurts and help. I know life is not fair and I'm happy for people who now pay 17 cents for insurance, but for the rest of us. . . . http://finance.yahoo.com/news/the-ob...152124812.html
Old     (fly135)      Join Date: Jun 2004       09-23-2014, 6:21 AM Reply   
Health Insurance prices have been increasing well above the nominal rate of inflation for as long as I can remember. That should tell you that something is amiss. And that something is the association of HI with employment along with the revenue being non-taxed in order to coerce the employee to buy HI in a "use it or lose it" scheme. There is no price control that normally occurs in a free market where the consumer can say... "that's too much, I'm not buying".

Now we are screwed. And to make matters worse we the public still can't identify that the problem is caused by forcing money into the market. You want to fix the problem? Make all HI premiums come from the pocket of the consumer after taxes and make no law mandating you buy it. Otherwise we will eventually have to go to universal HC.
Old     (wake77)      Join Date: Jan 2009       09-23-2014, 6:14 PM Reply   
John, it's easier just to blame Obama.
Old     (barry)      Join Date: Apr 2002       09-23-2014, 8:47 PM Reply   
Someone check the temp in hell...


I completely agree with John.

Wake, Obama is not to blame for the failing health care system, it's been failing for years. Obama's plan is just the final nail.
Old    bigdtx            09-24-2014, 6:25 AM Reply   
I have been buying insurance on the individual market for years. When Obamacare kicked in I was able to buy a better plan that included dental coverage (which I did not have before) for around $430.00 per month. The same level of coverage would have been $1500.00 per month minimum before and I am not getting a subsidy. 15 years ago I was laid off from a job and the cobra plan I was offered was $950.00 per month.

Health insurance is a racket and everybody is in on it. I have a relative that works in the insurance industry and they showed me a presentation given to agents prior to Obamacare passing showing how great it was going to be because the mandate would bring in so many new young, healthy customers - pure profit for the carrier.

For profit hospitals are the reason health care costs in this country are out of control. When I was in college I worked in a hospital working on the billing systems. We had consultants in almost full time grinding on the treatment codes to maximize profits. One doctor in particular owned 5 Porches and spent as much time setting up his car club rallies as he did treating patients.

Was always fun to eavesdrop on the quarterly board meetings too - they always degenerated into shouting matches with all the doctors fighting over - you guessed it - money.
Old     (Laker1234)      Join Date: Mar 2010       09-24-2014, 7:21 AM Reply   
There is plenty of blame to go around but the ACA mandates lessen coverage and raise cost to the majority, if not all, of people who had insurance. I also agree with John. It's the government's interference that helped to get to where we are now.
Old     (denverd1)      Join Date: May 2004 Location: Tyler       09-25-2014, 8:33 AM Reply   
yup. final nail in the coffin. I expect things to get much worse.

As a sidenote, got an MRI done on my neck a few months ago. I had high deductible catastrophe policy and knew it wouldn't be covered, so I asked how much CASH to get it done. Paid $375. They billed BCBS $4750 in attempt to collect. More than 10x the cost of the MRI.

BigD, I have a buddy who does this for a hospital in Austin. His JOB is to bill insurance more money. Example: patient has shortness of breath and mild chest pains. Sounds like a heart condition. Then they refer the patient to every specialist under the sun for more tests and observation. What might have been a panic attack is a full blown heart problem with 10s of thousands of dollars in bills going to insurance companies. He gets paid well to make the hospital more $$$.
Old     (fly135)      Join Date: Jun 2004       09-26-2014, 7:46 AM Reply   
I've seen many instances where the lab billed 10x the amount the HI paid after discount. A law mandating HC providers bill the same amount for the same service to all customers would get rid of that. IOW, they can set their rates to whatever they want, but they have to charge everyone the same. Considering that the amount of welfare the industry gets from govt has gone through the roof w/ ACA subsidies, I don't see as how a law like that would be unfair. The key to making a law like that work is to start with the conviction that their be no F*k'n loopholes in it.
Old     (denverd1)      Join Date: May 2004 Location: Tyler       09-29-2014, 10:35 AM Reply   
wow. Just found out to upgrade our coverage to get dental and vision for my wife would be 800 and change a month. WTF??? thought about getting a divorce to side step this bull****. F'n ridiculous

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