John Baker
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John Baker
Obama care website is finaly working.
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Matthew
Touchdown! Greaser!
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Geico266
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If I was the chick on the front page I would sue for demation of character, and cruel workplace atmosphere,.
Gary F
Final Approach
C'mon Aunt Peggy. Even the Obama supporters where I work thought it was funny.
http://talkingpointsmemo.com/dc/insurance-companies-misleading-letters-obamacare
Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.
The insurance companies argue that it's simply capitalism at work. But regulators don't see it that way. By warning customers that their health insurance plans are being cancelled as a result of Obamacare and urging them to secure new insurance plans before the Obamacare launched on Oct. 1, these insurers put their customers at risk of enrolling in plans that were not as good or as affordable as what they could buy on the marketplaces.
Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.
The insurance companies argue that it's simply capitalism at work. But regulators don't see it that way. By warning customers that their health insurance plans are being cancelled as a result of Obamacare and urging them to secure new insurance plans before the Obamacare launched on Oct. 1, these insurers put their customers at risk of enrolling in plans that were not as good or as affordable as what they could buy on the marketplaces.
Fearless Tower
Touchdown! Greaser!
Anyone who has had to deal with govt contracted software knows that there is waaaay too much truth in that article.
AcroGimp
Cleared for Takeoff
FWIW Aunt Peggy, my employer plan, and my wife and daughter's individual plans have all been cancelled as a result of changes mandated by Obamacare. The cancellations are due to explicit requirements within the law that do not allow grandfathering for changes occuring after ACA passage for as little as $5/mo change in premium or for significant changes in coverage - even when the law itself requires the changes.
As a 43 yr old man I don't need coverage for prenatal care, abortion, or the pill, or pediatric dentistry - but in order to provide that additional one-size-fits-all coverage as required by the law premiums necessarily must go up.
Using the Covered California website (Obamacare Exchange), we would see a 60% increase in premiums, for 'essentially' the same coverage we had in the plans we liked, with a 50% increase in deductibles, and 100% increase in annnual out-of-pocket exposure.
My wife just survived breast cancer earlier this year - had we had the Obamacare coverage this year instead of the plans we had, it would have meant $8,000 more in health care spending, with a smaller network to choose from. Because of my income I am ineligible for subsidies, even though my taxes continue to increase to pay for subsidies for others to pay for their increased health plan costs. Could you afford an extra $8000 per year?
That's $8K I won't have for my daughters's college expenses, for an overdue family vacation (I haven't been able to take time off for 3 years), to go home for Christmas, to save and/or invest, to donate to charity - fill-in-the-blank - it's gone with no added-value anywhere in the economy.
I know that the disruption to my family probably means nothing to you, but they knew in 2010, by their own estimates, that as many as 93 million Americans would lose their plan because they would not be allowed to grandfather due to the strict way the clause was written. This is unfolding precisely as desired in my opinion, but make no mistake, they lied to all of us.
As a 43 yr old man I don't need coverage for prenatal care, abortion, or the pill, or pediatric dentistry - but in order to provide that additional one-size-fits-all coverage as required by the law premiums necessarily must go up.
Using the Covered California website (Obamacare Exchange), we would see a 60% increase in premiums, for 'essentially' the same coverage we had in the plans we liked, with a 50% increase in deductibles, and 100% increase in annnual out-of-pocket exposure.
My wife just survived breast cancer earlier this year - had we had the Obamacare coverage this year instead of the plans we had, it would have meant $8,000 more in health care spending, with a smaller network to choose from. Because of my income I am ineligible for subsidies, even though my taxes continue to increase to pay for subsidies for others to pay for their increased health plan costs. Could you afford an extra $8000 per year?
That's $8K I won't have for my daughters's college expenses, for an overdue family vacation (I haven't been able to take time off for 3 years), to go home for Christmas, to save and/or invest, to donate to charity - fill-in-the-blank - it's gone with no added-value anywhere in the economy.
I know that the disruption to my family probably means nothing to you, but they knew in 2010, by their own estimates, that as many as 93 million Americans would lose their plan because they would not be allowed to grandfather due to the strict way the clause was written. This is unfolding precisely as desired in my opinion, but make no mistake, they lied to all of us.
Geico266
Touchdown! Greaser!
Geico266
Touchdown! Greaser!
Matthew
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I have insurance through my employer. About this time next year I expect to get a letter.
Geico266
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There is a woman in San Diego with stage 4 gall bladder cancer that is fighting for her life. She had a 2% chance of surviving 5 years after diagnosis. She loved her DR, and loved the insurance plan, payouts, and premiums until they canceled her because of Obamacare. She can no longer see her old DR.
You see she lives in one county and the treatment center and DR live in another. Under Obama care you can't seek treatment ( and have it covered) outside of the area where you bought your policy. So she needs to move or die. Then of course the "HealthCare Review Board" will need to approve her treatment.
Sorry AP, but your continued BS and lies are about as far fetched as Obama's.
http://www.theblaze.com/stories/201...ld-class-insurance-plan-because-of-obamacare/
You see she lives in one county and the treatment center and DR live in another. Under Obama care you can't seek treatment ( and have it covered) outside of the area where you bought your policy. So she needs to move or die. Then of course the "HealthCare Review Board" will need to approve her treatment.
Sorry AP, but your continued BS and lies are about as far fetched as Obama's.
http://www.theblaze.com/stories/201...ld-class-insurance-plan-because-of-obamacare/
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So you expect the insurance companies to advertise for their competition in their cancellation notices
.
Geico266
Touchdown! Greaser!
So you expect the insurance companies to advertise for their competition in their cancellation notices
Pretty sure that is in Obama care somewhere.
Pretty sure that is in Obama care somewhere.
Who would know, nobody read it
(when the law was being discussed, someone at my company printed out a couple of copies and bound them. Took one home and read through it. Nothing of what is happening now should be a suprise.)
The decision to end the plan was your insurers, not the government. They could have decided to maintain the plan.
http://www.npr.org/blogs/health/201...-cancel-policies-and-what-you-can-do-about-it
There may be some temporary benefit to you individually to have a policy that discriminates against women and children. However, the nation as a whole, including you, benefits when groups are not discriminated against. In fact, since women and children are such a large portion of the nation, discriminating against them causes a serious disadvantage to the nation.
Along the same lines, I have never felt a need for coverage for viagra or rogaine, but probably was covered nevertheless. Who cares? I would have been covered for any number of medical tragedies that, thankfully, were not necessary. I do not feel cheated in the least because I have been relatively healthy.
I really don't know why. I hope you can find something more suitable.
Yes, I could, even in addition to the $20,000 of uninsured costs I had this year. But, this is not about me.
My heart goes out to your wife and you. I know how devastating this disease can be. Give her my best wishes for continued recovery and health.
I think you've been lied to. I think I've been lied to. I think there is plenty of blame to go around. You can blame the government. Surely, they did not do the best job they could have done. Both parties were playing with the people of this country. You can also blame the insurance companies for exploiting and exaggerating the problems. You can blame the medical and pharmaceutical industries for profiteering. You can blame me for caring about those people who have no medical insurance at all. You can blame the people who don't take care of their bodies--drugs, cigarettes, overeating, whatever.
As for the privations and sacrifices you might have needed to make because of medical care, that sort of thing is precisely why I am in favor of ObamaCare. Shall I tell you about the diabetic in my family who must decide whether to keep the unreliable insulin pump she has or to pay for a new one by not letting her child continue playing in the soccer league. She is hoping that the child's native talent in soccer will get her a scholarship and enable her to go to college someday.
Your link does not support your argument.
Yes, it does.
Sac Arrow
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Snorting his way across the USA
Why do we have to have a spin zone? I don't understand it.
Matthew
Touchdown! Greaser!
>>
There may be some temporary benefit to you individually to have a policy that discriminates against women and children.
<<
I'll stay out if the argument that it is my legal responsibility to pay for someone else's health insurance. But how in the world is it discriminatory for someone to purchase a product tailored to his own needs and budget?
There may be some temporary benefit to you individually to have a policy that discriminates against women and children.
<<
I'll stay out if the argument that it is my legal responsibility to pay for someone else's health insurance. But how in the world is it discriminatory for someone to purchase a product tailored to his own needs and budget?
bbchien
Touchdown! Greaser!
This Is me: From Kaiser Health news:
Q. I don’t qualify for a subsidy, and my premium is going way up for what the insurer tells me is a comparable policy. Why is that?
A. Insurers base premiums on a number of factors, including medical inflation and the cost of implementing insurance rules. A report on the California market done by Cosway at Milliman estimated that medical inflation and changes from the health law could add about 30 percent to the average premium in California. The biggest chunk of the increase was attributed to insurers being required to accept everyone, even those who are ill.That requirement polls well with the public. But it makes insurers nervous because they can no longer reject the costliest patients. While consumers like George Anders of California says he supports the concept, he’s not happy that his current plan is being discontinued. Anders, a contributing writer for Forbes and author of a critique of HMOs called Health Against Wealth, said the premiums for a new policy that covers him, his wife and two children will about double, although his annual deductible may go down. “As a social policy, I’m glad to see everyone get coverage, but if you’re going to add cost to the system, I’d like to see it spread equitably,” perhaps through an across-the-board tax, rather than just hitting policyholders, he said.
*****
My premium went up $150 a month, deductible doubled to 6K, I am personally covered for my own pregnancy, this is just another tax. I already pay for drug dealer's cellphones. Now despite the fat that I have maintained coverage continuously for years and years, I am being made to pay for the person who thinks, Hmm. I'm not feeling so good I better go by healthcare coverage....
I was lied to and I know it. Hope and Change are not destinations.
Q. I don’t qualify for a subsidy, and my premium is going way up for what the insurer tells me is a comparable policy. Why is that?
A. Insurers base premiums on a number of factors, including medical inflation and the cost of implementing insurance rules. A report on the California market done by Cosway at Milliman estimated that medical inflation and changes from the health law could add about 30 percent to the average premium in California. The biggest chunk of the increase was attributed to insurers being required to accept everyone, even those who are ill.That requirement polls well with the public. But it makes insurers nervous because they can no longer reject the costliest patients. While consumers like George Anders of California says he supports the concept, he’s not happy that his current plan is being discontinued. Anders, a contributing writer for Forbes and author of a critique of HMOs called Health Against Wealth, said the premiums for a new policy that covers him, his wife and two children will about double, although his annual deductible may go down. “As a social policy, I’m glad to see everyone get coverage, but if you’re going to add cost to the system, I’d like to see it spread equitably,” perhaps through an across-the-board tax, rather than just hitting policyholders, he said.
*****
My premium went up $150 a month, deductible doubled to 6K, I am personally covered for my own pregnancy, this is just another tax. I already pay for drug dealer's cellphones. Now despite the fat that I have maintained coverage continuously for years and years, I am being made to pay for the person who thinks, Hmm. I'm not feeling so good I better go by healthcare coverage....
I was lied to and I know it. Hope and Change are not destinations.
How in the world is it discriminatory for someone to tailor seating in the bus according to his own needs and desires? How in the world is it discriminatory for someone to decide that only men get to play sports in college? How in the world is it discriminatory for someone to decide that pay and housing and other benefits cannot be tailored to the individuals with the most clout?
Where is the rock you have been living under for the past 50 years?
Matthew
Touchdown! Greaser!
I wonder if we'll see the use of H-1B visas for doctors?
Matthew
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What does any of that have to do with me choosing to purchase health insurance that covers what I want it to cover at a price I'm willing to pay? And why is it discriminatory if I buy a policy that doesn't cover, say, birth control?
What it means is that you want it to cost more for those who want their insurance to cover, say, birth control. Or, say, testicular cancer.
Matthew
Touchdown! Greaser!
Ahh, now I get it.
AcroGimp stated that his plans were not eligible for grandfathering as they were purchased after the passage of the healthcare law. Nothing in the article you linked to contradicts that, no wait, it actually confirms that.
You are employing the usual talking tactic of the plans proponents claiming that anyone who is seing untoward consequences of the laws must either be lying or uninformed or that the evil insurance companies are the ones who are making things up.
This is a well tested propaganda tool from the marxist leninist playbook. If your experience disagrees with the elites plan for the greater good, you will be labeled as a troublemaker who has obviously not been educated yet about the glorious future that expects him.
I am not aware of any insurance plan that ever excluded a specific type of cancer.
I can choose how I pay for birth control. I can't choose what cancer I get.
I worked for a couple of years as a doctor on a H1b. Has been like that for 20+ years.
As an employer who buys health insurance for all my employees, I can tell you: as a direct result of the ACA-mandated changes, our cost of coverage (with aggressive shopping, and increased deductibles) has gone up enough that, with the difference, we could have hired san other full time staffer (and would have). Since we had not hired this person yet, I don't know who to tell that their job was forfeit in exchange for the ACA. This is repeated across many, many employers.
This is the thus-far untold story.
This thing is a staggering disaster, in slo-mo. If you read and understand the law and its implementing regs, you learn so much more. It cannot succeed; math tells us this.
This is the thus-far untold story.
This thing is a staggering disaster, in slo-mo. If you read and understand the law and its implementing regs, you learn so much more. It cannot succeed; math tells us this.
You are obviously uninformed, being lied to and overall just another troublemaker
.Your experience counts for nothing as it has not been vetted by either the Mayo clinic, Harvard or the Kaiser Family Foundation :wink2: .
Matthew
Touchdown! Greaser!
I was seeing, and hearing firsthand, stories of many doctors talking about retiring or changing professions rather than staying in and dealing with this. I was wondering if we'd see a big influx of foreign doctors.
cowtowner
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Cowtowner
Those that believe this law is a good piece of legislation, just wait a year.
As has been said over and over again in this thread....you can't change math.
When the cancellation notices start coming next fall for those in that have employer sponsored health coverage, even the liberal democrats will start running from this law.
As has been said over and over again in this thread....you can't change math.
When the cancellation notices start coming next fall for those in that have employer sponsored health coverage, even the liberal democrats will start running from this law.
bbchien
Touchdown! Greaser!
I read the bill in 2010. And I retired.
cowtowner
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And for those that say this law hasn't created job losses....a little over a year ago, my wife's company shut their doors because of the medical device tax within this law.
Over 100 people on the street.
Over 100 people on the street.
cowtowner
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Cowtowner
My wife trains eye surgeons how to do certain types of proceedures. The successful ones are retiring. The smart ones are really gearing their practices towards private pay.
The ones in the middle are the ones that are screwed.