health insurance

[FryeVRCCDS0067]

Well, found out a few days ago my health insurance plan is going to disappear as of 11/15/13. If I don't sign up for a new plan I'll be without health insurance after that date.

The specs of the new plans are only available online and I haven't had the heart to look them over yet. No doubt the cost will be higher and the coverage lower.

All I can say is "thanks Obama voters". 

Oh yeah, this must be an illusion since the king said I could keep my current plan.

[old2soon]

Have you not recognized what's happening here?? Utopia has arrived.  RIDE SAFE.

[BF]

DaddieO, Anvil, Wayne, Shadowdragon, meathead, and all of the other resident liberals on the board will be here to tell you how much better off you'll be and how wonderful Obama and Obamacare is in 3, 2, 1.........

[.]

DaddieO, Anvil, Wayne, Shadowdragon, meathead, and all of the other resident liberals on the board will be here to tell you how much better off you'll be and how wonderful Obama and Obamacare is in 3, 2, 1.........

BF, I can't speak for anyone else but I will say you cannot speak for me. Simply because I never assumed ACA to be a disaster you seem to have inferred that I assumed it to be perfect. Since Frye hasn't even checked out the specifics yet it's a little early to be breaking out the violins. I can't say it's going to be a worse deal and neither can you. Well, you can say it all you want but the proof is only in the proof, not in the rash assumptions.

That's all I've ever said. Use proof, not cartoons, not made up stories, not internet urban legends, not silly-assed emoticons, but verified information. If, by my insistence on accuracy that makes me a liberal in your eyes, so be it.

Facts are neither conservative nor liberal. They are facts. What I find disturbing is the celebratory attitude that rises up every time someone posts something that in the eyes of so many paints ACA a failure. I'm sorry but I find such celebration in the face of peoples' pain and confusion to be quite offensive.

I also find it just as offensive that so many conservatives view liberals as a homogenous group of bleeding heart, irresponsible tax-and-spend, know-it-all, gun-grabbing dumbasses as I do that so many liberals view conservatives as a homogenous group of selfish, self-centered, bigoted, controlling assholes. There is no all or nothing and no single group exists that is of one mind. The only organism made up of humans that moves of one accord is defined as a mob and no one has ever accused a mob of using logic or of being motivated by anything other than anger or fear generally motivated by ignorance.

Bear in mind that I speak only for myself. DaddieO, Anvil, Wayne, meathead, and all the other "resident liberals" on the board are grown ups, just like you and all the other "resident conservatives." 

Ride safe.

[POPS 57]

It was just on the news. 14 million will get letters that they are being canceled. New insurance will go up three times as much. Where can I get the Obama Kool-Aid so I can believe in this new order.  

[MP]

It was just on the news. 14 million will get letters that they are being canceled. New insurance will go up three times as much. Where can I get the Obama Kool-Aid so I can believe in this new order.  

Yes, but remember, those plans are "lousy" plans.

Heck, I did not even realize I NEEDED maternity coverage!  How stupid of me.

Here, I thought a 59 year old male did not meed Maternity coverage, but the know it all's in the Progressive Party, now has me covered for my pregnancy.

I am soooo glad that I am now covered, so the expenses of my pregnancy will not be overwhelming to me.

I am soooo glad that I have Libs taking care of me, as I was, and am, too STUPID to realize I NEEDED maternity coverage.

So glad they fixed that, and it only raised my premiums 30%, and more than tripled my deductible costs.

MP

[fudgie]

Dont fret till you see it. Mine changed for the better. Cost went up a few $$, like it has the last 14 yrs that I been fulltime, but outta pocket went way down. So you never know.  

[MP]

Dont fret till you see it. Mine changed for the better. Cost went up a few $$, like it has the last 14 yrs that I been fulltime, but outta pocket went way down. So you never know.  

Are there winners?  Sure there are.  Are there losers?  You bet.

I really wish I could learn exactly what is in these plans.  EXACTLY what is covered, what is not.  Why has the deductible gone way up, at least for a lot of people.

[f6john]

     I believe in universal health care in the same way I believe in car insurance for all drivers. I do not believe the new health care law is the answer. As far as I know there are no IRS enforcers on the payroll for watchdoging the car insurance industry. Will some people end up with health care insurance that didn't have it before, sure. Will the new law correct the problems we face with coverage and costs? No, we are already seeing people have their old plans dropped and unaffordable rate plans being offered in their place.


   I know this is not "verified information" but anyone with a functioning brain can see what is going on. If a bird fly's over and drops a load of #hi*n on my shoulder, I don't have to taste it or take it to a lab to verify if I was just crap on.

[cookiedough]

Nearly everyone, not all,  will be finding health insurance premiums will be going up and up over the years starting this year with BENEFITS AND COVERAGE DECREASING.  

My wife's employer for deancare and alliance insurance BOTH are going up yet another 20 bucks for family coverage every 2 week paycheck and yet no longer will mammograms for women and lipid screening bloodwork tests even during yearly free physical/exam will be covered at all.   Something else to will NOT be covered at all any longer but can't think of it off hand, something that would normally be covered and should be covered to get done with most insurances in the past.  OH yah, just thought of it not covered thru insurance anymore where my wife has our insurance thru:  colonoscopy NO longer covered at all - how fricking dumb is that!  Glad I hope anyways won't need one for another 7 years.  Preventive maintenance at a certain age that will benefit and even may save your life whether colonoscopy or mammograms should be covered in health insurance premiums in my mind NO doubt about it. 

How stupid is NO mammograms NOT being covered if not every year, every other year or so, for women especially for those families history with breast cancer issues.  So, you take away PREVENTIVE mammograms that can benefit in the long term reducing costs as well and then the insurance kicks in when you get major breast cancer thus increasing the amount insurance companies will have to pay out.  How dumb is that!  

Who the heck writes these policies for insurance companies to follow - bunch of idiots!  

[fudgie]

Dont fret till you see it. Mine changed for the better. Cost went up a few $$, like it has the last 14 yrs that I been fulltime, but outta pocket went way down. So you never know.  

Are there winners?  Sure there are.  Are there losers?  You bet.

I really wish I could learn exactly what is in these plans.  EXACTLY what is covered, what is not.  Why has the deductible gone way up, at least for a lot of people.

Just saying I'm not pro obama for other reasons so this dont sound like I'm defending him.  But anything medical always goes up. Cost of equiptment, proceedures, etc. So this is prob why deductible goes up. Alot has to do with medicare. Medicare aint insurance, medicare is a law.

[Skinhead]

Dont fret till you see it. Mine changed for the better. Cost went up a few $$, like it has the last 14 yrs that I been fulltime, but outta pocket went way down. So you never know.  

Fudgie, is this through the exchange or through your employer?



On another note, I really wish people would get it straight, quit saying health care when refering to the ACA, it IS NOT affordable health care, it is health INSURANCE, whether it is affordable or not remains to be seen, but it is definately NOT health CARE.  Health care is provided by a doctor or medical facility.  Health insurance is MANDATED by a tyranical government, whether you can afford/need it or not.

[musclehead]

this is NOT a celebratory victory dance, this is an "I FREAKING TOLD YOU SO DANCE".

we should wait to see if it's going to be a better deal for Frye, from the accounts of others it won't be.

people in this country are hutring, they have been hurting from higher gas prices since Obama stepped into office. they might not realize it but it is true. (not a high jacking, I just get very irrate when I'm called out on high fiving over people's troubles. )

[fudgie]

Fudgie, is this through the exchange or through your employer?

My employer. It took a huge increase in $$ during Bushs 1st term. Since then it only gone up like $5 every yr if any.

[MP]

Fudgie, is this through the exchange or through your employer?

My employer. It took a huge increase in $$ during Bushs 1st term. Since then it only gone up like $5 every yr if any.

I believe the big increases are on the exchanges.  My $3000 deduct goes to $12,000 deduct, if I go to the exchange.

[fudgie]

Fudgie, is this through the exchange or through your employer?

My employer. It took a huge increase in $$ during Bushs 1st term. Since then it only gone up like $5 every yr if any.

I believe the big increases are on the exchanges.  My $3000 deduct goes to $12,000 deduct, if I go to the exchange.

 

[Skinhead]

Fudgie, is this through the exchange or through your employer?

My employer. It took a huge increase in $$ during Bushs 1st term. Since then it only gone up like $5 every yr if any.

So it really isn't under Obama care, mine whent up about $20/month for this year, BCBS-MI.  And mine did the same thing when Bush was in office, but this was the employer passing the cost of insurance on to the employee.  I'm sure the cost of coverage increased, and my employer thought the employees should share a bigger part of that cost.  (maximize profits)

My employer. It took a huge increase in $$ during Bushs 1st term. Since then it only gone up like $5 every yr if any.

[G-Man]

.........the Progressive Party, now has me covered for my pregnancy.

No, they just make you pay for everyone else's pregnancy.  You see, they consider pregnancy as a disease.  Something to medically treat, and if they want, removed like cancer.  

This is one of the small things I feel is wrong with a "blanket" healthcare system.  When it comes to having pregnancy covered, I feel that women and couples of childbearing age should be the only ones charged for pregnancy coverage.  If a woman or man of childbearing age is incapable of a pregnancy, they should be excused from the fees for that coverage.

I know, I know, women don't get pregnant by themselves.  YES THEY DO. They don't have sex by themselves, but the woman is responsible for her body.  If she doesn't want to get pregnant, she will take the needed precautions.  There is no such thing as a mistake, only irresponsibility and why should society have to pay for that.  In cases of incest or rape, she should be covered for any procedure she chooses as the pregnancy was the result of a crime and society should be responsible for such things.  

Now, when it comes to willingly ending pregnancies, I strongly feel that 1) society using abortion as a form of birth control is horrific, 2) a woman has the right to choose, and 3) society shouldn't have to pay for that CHOICE due to moral issues that will never be settled.

[.]

this is NOT a celebratory victory dance, this is an "I FREAKING TOLD YOU SO DANCE".

we should wait to see if it's going to be a better deal for Frye, from the accounts of others it won't be.

people in this country are hutring, they have been hurting from higher gas prices since Obama stepped into office. they might not realize it but it is true. (not a high jacking, I just get very irrate when I'm called out on high fiving over people's troubles. )

Musclehead, if you aren't celebrating then you probably aren't being called out. But I've seen many posts on this forum that appear to be celebrating everything that comes out-whether documented, passed along without verification, blatantly made up, or even put into a nonsensical cartoon-that puts ACA in a negative light. So, all I can say is if the shoe doesn't fit then don't even pick it up, much less put it on and wear it.

I am curious though when you blame Obama for high gas prices. Higher than what? Higher than when? Ever? I've posted a graph showing average gas prices for the past 132 months.

[Skinhead]

My son's worked at 2 carwash's in my neighborhood during and after completing highschool, the owner shut one of them down in Jan 2009 for road construction and hasn't reopened it yet, but he left the gas price up on his sign, it was $1.89.  And while Obama was campaigning he accused Bush of being responsible for the high gas prices.  Your chart shows a steady increase in gas prices above $2.00/g the entire time Obama has been in office.

Gas prices have their ups and downs for many reasons (ie if the wind blows rasie the price) but they do go up and down in most cases.  It seems they have been consistanly up until recently, and I think some of the  main reasons are directly due to Obummer's policies, like revoking drilling permits in the gulf and on federal land, EPA regulation, and failure to build the Keystone pipeline.  The only good thing that has come of the high prices is that it made it profitable for the oil companies to go after reserves that were previously unprofitable.

[.]

There were two significant price drops during the Bush Administration and one major price collapse right toward the end of his second term, but while drivers celebrated the oil patch suffered dramatically (I know this because oil production is and has been a major source of income in my family since the 1930s). High gas prices do tend to make drilling more profitable. Now, I do know that taxes have an effect on price too so I've taken the liberty of posting the following graphs to illustrate just how gas taxes have fluctuated over time.



Now, I don't think I have totally hijacked this thread but I sure didn't stand in the way of it happening either. 

[fudgie]

So it really isn't under Obama care

True but some of the ACA fall into your private ins. Your copay nows goes towards your deductable.

[musclehead]

.........the Progressive Party, now has me covered for my pregnancy.

No, they just make you pay for everyone else's pregnancy.  You see, they consider pregnancy as a disease.  Something to medically treat, and if they want, removed like cancer.  

This is one of the small things I feel is wrong with a "blanket" healthcare system.  When it comes to having pregnancy covered, I feel that women and couples of childbearing age should be the only ones charged for pregnancy coverage.  If a woman or man of childbearing age is incapable of a pregnancy, they should be excused from the fees for that coverage.

I know, I know, women don't get pregnant by themselves.  YES THEY DO. They don't have sex by themselves, but the woman is responsible for her body.  If she doesn't want to get pregnant, she will take the needed precautions.  There is no such thing as a mistake, only irresponsibility and why should society have to pay for that.  In cases of incest or rape, she should be covered for any procedure she chooses as the pregnancy was the result of a crime and society should be responsible for such things.  

Now, when it comes to willingly ending pregnancies, I strongly feel that 1) society using abortion as a form of birth control is horrific, 2) a woman has the right to choose, and 3) society shouldn't have to pay for that CHOICE due to moral issues that will never be settled.

square peg round hole mentailty

[Jeff K]

So it really isn't under Obama care

True but some of the ACA fall into your private ins. Your copay nows goes towards your deductable.

No it doesn't. It goes toward your max out of pocket.

[fudgie]

So it really isn't under Obama care

True but some of the ACA fall into your private ins. Your copay nows goes towards your deductable.

No it doesn't. It goes toward your max out of pocket.

Thts what it was. Got my wording mixed. 

[donaldcc]

.........the Progressive Party, now has me covered for my pregnancy.

No, they just make you pay for everyone else's pregnancy.  You see, they consider pregnancy as a disease.  Something to medically treat, and if they want, removed like cancer.  

This is one of the small things I feel is wrong with a "blanket" healthcare system.  When it comes to having pregnancy covered, I feel that women and couples of childbearing age should be the only ones charged for pregnancy coverage.  If a woman or man of childbearing age is incapable of a pregnancy, they should be excused from the fees for that coverage.

I know, I know, women don't get pregnant by themselves.  YES THEY DO. They don't have sex by themselves, but the woman is responsible for her body.  If she doesn't want to get pregnant, she will take the needed precautions.  There is no such thing as a mistake, only irresponsibility and why should society have to pay for that.  In cases of incest or rape, she should be covered for any procedure she chooses as the pregnancy was the result of a crime and society should be responsible for such things.  

Now, when it comes to willingly ending pregnancies, I strongly feel that 1) society using abortion as a form of birth control is horrific, 2) a woman has the right to choose, and 3) society shouldn't have to pay for that CHOICE due to moral issues that will never be settled.

  well, I do not really think pregnancy is considered a disease.  it is a medical condition that needs health care.  a pregnancy that occurs in a responsible women using contraceptives certainly happens and is not IRRESPONSIBILITY. should women have to pay the cost of having prostate cancer coverage in their policy?  should they get a discount if they exclude testicular cancer from their policy?

   insurance covers many conditions that those paying premiums may not have or ever have.  but, the risk is spread among the many to decrease costs for the individual.  I would speculate that you do not think people with heart disease or pancreatic cancer should be the only ones to pay for that coverage.  that is what insurance is, coverage for the unexpected or conditions that need medical care.  actuaries hopefully calculate risks and help to determine costs for the many.

   

[Jeff K]

good news the web site is finally up and running!
Just click the Apply Now Button!

http://rexharrisonshat.com/healthcare/

[MP]

.........the Progressive Party, now has me covered for my pregnancy.

No, they just make you pay for everyone else's pregnancy.  You see, they consider pregnancy as a disease.  Something to medically treat, and if they want, removed like cancer.  

This is one of the small things I feel is wrong with a "blanket" healthcare system.  When it comes to having pregnancy covered, I feel that women and couples of childbearing age should be the only ones charged for pregnancy coverage.  If a woman or man of childbearing age is incapable of a pregnancy, they should be excused from the fees for that coverage.

I know, I know, women don't get pregnant by themselves.  YES THEY DO. They don't have sex by themselves, but the woman is responsible for her body.  If she doesn't want to get pregnant, she will take the needed precautions.  There is no such thing as a mistake, only irresponsibility and why should society have to pay for that.  In cases of incest or rape, she should be covered for any procedure she chooses as the pregnancy was the result of a crime and society should be responsible for such things.  

Now, when it comes to willingly ending pregnancies, I strongly feel that 1) society using abortion as a form of birth control is horrific, 2) a woman has the right to choose, and 3) society shouldn't have to pay for that CHOICE due to moral issues that will never be settled.

  well, I do not really think pregnancy is considered a disease.  it is a medical condition that needs health care.  a pregnancy that occurs in a responsible women using contraceptives certainly happens and is not IRRESPONSIBILITY. should women have to pay the cost of having prostate cancer coverage in their policy?  should they get a discount if they exclude testicular cancer from their policy?

   insurance covers many conditions that those paying premiums may not have or ever have.  but, the risk is spread among the many to decrease costs for the individual.  I would speculate that you do not think people with heart disease or pancreatic cancer should be the only ones to pay for that coverage.  that is what insurance is, coverage for the unexpected or conditions that need medical care.  actuaries hopefully calculate risks and help to determine costs for the many.

 

I understand sharing the risk.   However, I think I should have SOME chance of conceivably getting the "condition", if I have to pay for it.  I have ZERO chance of getting pregnant.

To require me to pay for that, would be like saying all people, even if you live in an apartment, or a trailer, buy house fire insurance, so as to lower the cost for homeowners, even though they have ZERO chance of their house, which they do not have, of burning down.

MP

[donaldcc]

I understand sharing the risk.   However, I think I should have SOME chance of conceivably getting the "condition", if I have to pay for it.  I have ZERO chance of getting pregnant.

To require me to pay for that, would be like saying all people, even if you live in an apartment, or a trailer, buy house fire insurance, so as to lower the cost for homeowners, even though they have ZERO chance of their house, which they do not have, of burning down.
MP

 sort of like all the women you work with paying for your risk of getting prostate CA?

  I suspect they have ZERO chance of getting it.

[f6john]

I understand sharing the risk.   However, I think I should have SOME chance of conceivably getting the "condition", if I have to pay for it.  I have ZERO chance of getting pregnant.

To require me to pay for that, would be like saying all people, even if you live in an apartment, or a trailer, buy house fire insurance, so as to lower the cost for homeowners, even though they have ZERO chance of their house, which they do not have, of burning down.
MP

 sort of like all the women you work with paying for your risk of getting prostate CA?

  I suspect they have ZERO chance of getting it.

  Cancer is cancer. It can attack any part of the human body, male or female. However my body has never been invaded by a fertilized egg, although I do have the "baby bump" for one! I don't care about all the possibilities of things that might be covered that I will not need. I do care about a President who at best misleads and at worst outright lies about the effect of a law on peoples existing coverages and costs. I know it's a lost cause trying to get an Obama supporter to admit to what is happening live right in front of their eyes, but it's an amazing theater of human behavior to behold.

[Patrick]

http://thepeoplescube.com/peoples-blog/mailcall-2013-obamacare-commemorative-stamp-collector-set-t11701.html


Be the first in your neighborhood to receive the new commemorative stamps !

[Jess from VA]

Yeah, I'm sure the USPS will be putting those out.  LMAO anyway

[Momz]

My wife works for a major automotive supplier and we are both covered under her Heath Care Insurance. It has not gone up one cent and the deductibles are also the same.
She had to make her "cafeteria style" selections before Nov. 1st.

We were covered under BCBS when I was employed and it kept going up every year to the point that it was far more economical to switch to her employers Health Care Insurance.
Oh,....by the way that was under the G.W.Bush administration.

Sure seems that their are a few that will broadcast anything anti-Obama just to get a rise out of any one they can.

[Romeo]

Ok, clear something up for me. Will the ACA insure that more folks will be covered with health insurance?
Is that the assumption? If so, does it follow, that the public will be spending more money, in aggregate terms, on this system? Or will the doctors, nurses, medical transcriptionists, administrators, receptionists, and all the other folks needed to support this increase in patients, be taking a pay cut?
Now, we haven't even discussed the government workers needed to facilitate the new plan. Bottom line is, will we or will we not be spending more money, as a culture on health insurance coverage? If so, where does that money come from? From a strictly economic standpoint, how is this better for me?

[Momz]

My primary care physician says it will probabley be more profitable for him.
He feels that his patient load will increase dramatically, however he may be able to spend less time with each patient.

[Moonshot_1]

Ok, clear something up for me. Will the ACA insure that more folks will be covered with health insurance?
Is that the assumption? If so, does it follow, that the public will be spending more money, in aggregate terms, on this system? Or will the doctors, nurses, medical transcriptionists, administrators, receptionists, and all the other folks needed to support this increase in patients, be taking a pay cut?
Now, we haven't even discussed the government workers needed to facilitate the new plan. Bottom line is, will we or will we not be spending more money, as a culture on health insurance coverage? If so, where does that money come from? From a strictly economic standpoint, how is this better for me?

The ACA is intended to provide everyone access to a minimum level of Health insurance coverage. The level(s) determined by government decree.

Logic dictates that this will increase the demand on the Health care system. Cost will rise accordingly. The rise will likely outpace the ability of the insurance carriers to keep up and costs will rise some more.

My prediction is that we will see a government mandated freeze or even a comprehensive price scale for health care providers.

I'll probably go to Mexico for my health care by that time. It'll be cheaper and the weather will be nice.

[..]

The lies just keep coming.

Just yesterday the woman in charge of the Centers for Medicare and Medicaid Services said she didn't have any numbers about enrollment.

http://www.cbsnews.com/8301-18563_162-57610328/obamacare-enrollments-got-off-to-very-slow-start-documents-show/

[Novavalker]

Just heard on Fox News only 6 people were registered on the first day of Obamacare

[MP]

Just heard on Fox News only 6 people were registered on the first day of Obamacare

It got MUCH better!

Day 2      100
Day 3       248

[Chrisj CMA]

Just heard on Fox News only 6 people were registered on the first day of Obamacare

It got MUCH better!

Day 2      100
Day 3       248

If we could just get everyone to just say no regardless of the threats, not only would this illegal law be rendered useless, there would be too many offenders to keep track of the fines and they would probably go away too.........the POWER OF THE PEOPLE isint dead, we just need to be brave