Just got my new ins premiums under Obamacare
- Thread starter saint
- Start date
These are individual/family rates for the state, not a small group. I do not gt ins through my business I fund my employees via an HRA. Since most are 23-37 and will see big increases with the new system we may have to revisit that.
We have a high deductible HSA. We pay all expenses out of pocket until we hit our family deductible of $5450. Our monthly premium for our family of 4 was a little over 600$. Then it's 100% coverage. What I like about this plan is that I know our worst case out of pocket for any given year is about $12,650. Even if something major happens.
The current equivalent plan with the new exchanges. Same deductible. Premiums 800$/mos. kicker. Still have a fucking 50% copy even after we hit the family deductible. Nuts
The current equivalent plan with the new exchanges. Same deductible. Premiums 800$/mos. kicker. Still have a fucking 50% copy even after we hit the family deductible. Nuts
Look. I am fortunate to be able to afford these swings. Looking over the details. For a family of 4 making over 90k they will get no subsidy/ax credit. Do you know how hard living off 90k for a family of 4 is in major metropolitan areas in this country? IMO it's the middle class that is getting the economy rolling and I am fearful what this will do.
These are BCBS NC Obamacare rates. Enrollment begins Oct 1 so I got the rates today.
http://abclocal.go.com/wtvd/story?section=news/local&id=9236960
http://www.carolinajournal.com/exclusives/display_exclusive.html?id=10469
When you're wrong FDC you sure know how to do it right.
Really, those are the rates huh. Right off the old website that isn't even up yet huh. There is only one website for enrollment and that ain't it. That is what your provider is charging you not Obama. I am not wrong but nice try. Those are the rates that Blue Cross has decided to charge you. On October 1st you can choose something else if you don't like their rates. Blue Cross BS decided to charge that not the President. Not only that but the Affordable Care Act was put into law and it isn't going away so you can cry if you want to but it is what it is.
I will never understand how all those other countries like Norway, Canada, Sweden and everyone else have free health care but God forbid we take care of our own here in the land of the free amIright?
People don't want women to have abortions so they have the kid then they don't want to give them healthcare either. Fucking stupid. This whole fucking thread is stupid. It's the law, it passed, it went to the Supreme Court, do the speed limit, pay your taxes and get fucking fixed when your sick.
Fuck, it's like everyone here has it soooooo bad. I am fucking sick of hearing about this shit. You haven't paid a fucking dime yet so quit bitching. Cancel the mother fucker, I don't care. Work for cash and go on food stamps, I don't care, just quit fucking bitching. How much would you have bitched if you got sick and reached your lifetime limit? Those are gone now. How much would you have bitched if they didn't cover you if you moved because you had a pre-existing condition, that's gone now. For fucks sake you haven't even fucking tried it for a day yet.
I gotta stop, I like Saint and I don't want him to think I am just bitching at him, because I am not. I am bitching to bitch because I can. It's the land of the free, unless it is free for the poor then it's the land of the freeloaders. Fucking ridiculous.
Last edited:
It was actually originally coined the Heritage plan and was written up and designed by Senate and House Republicans as an alternative to President Clinton's Hillary care plan. Yep, as a matter of fact Senator John McCain was instrumental in ensuring that there were subsidies and tax relief for lower income families.
Of course, the Affordable care act doesn't even begin enrollment until October 1st but apparently Saint got to sign up for his early as the one and only citizen allowed to do so, thus generating this "invoice" that has raised his premiums 25%.
I am no expert but I am pretty sure what he is saying is that his current carrier is trying to raise the stakes on his premiums and reduce his coverage in order to see if he will nut up and overpay, but what do I know, I didn't get to sign up for the supercitizen early enrollment plan like he did.
Hope this helps,
FDC
:0002
FDC, I love ya, but gonna disagree on a number of things in this post. First, yes, it's the insurance companies deciding the rates and we would be fools to think they aren't tacking on some profit (see big oil), but there are rate hikes BECAUSE OF Obama. There is even a per policy fee attached designated to go toward Obamacare. To say this is not his fault is disingenuous at best
Not all of us are going to be like John McCain and decide Bobby Knight was right and that if rape is inevitable you should sit back and enjoy it. Same sex marriage was illegal, did those affected just sit back and do nothing about it? Did the founding fathers just sit back and accept the taxes or did they fight back? Most things we have in this country are because somebody fought back. I know you are a supporter of unions, would your brothers at the Teamsters like to hear the advice of sit back and take it? We are being screwed by Obama being forced to pay MUCH higher rates for a program the majority of the country does not want. We damn sure should not just say it's the law and accept it.
NOBODY is saying we should not take care of our own, but don't you think there are better ways to pay for this than once again fuck the working man? How about using some of the money our politicians waste every year to fund healthcare instead of my paycheck?
Healthcare is important, but is a $200 Million reality tv show funded by our gov't in India as important?
http://dailycaller.com/2012/06/16/w...ng-to-indian-reality-tv-overseas-advertising/
You're right, but we're gonna and we're not happy about it.
FDC these are rates based on the guidelines set forth by obamacare. You think that the exchanges are going to be that different? Somehow I'm doubtful a conglomerate like BCBS is going to out price the market.
PF,
I love you too bro. :0008
Okay, I am not suggesting that anyone sit back and enjoy. What got me high and to the right on this is the attitude that this is the President's doing, he set the prices. He did this. That simply isn't true. Health care reform has been a hot button issue since Roosevelt. Insurance companies became exceedingly wealthy by denying coverage, putting life time spending limits on things, slow paying physicians, and the list goes on for far too long for me to write. This was also aided by the high mark up from practitioners. For instance, SAINT, I am curious what do you charge for a crown on a front tooth? In other words, many practitioners have over an 1100% mark up that they charge people. When someone that has no insurance goes to the doctor, they get charged the full office rate but that isn't what the insurance company pays. They pay the "insurance" rate. Something had to be done. Our population is growing and we couldn't take care of the sick. The fact that this is an issue in this country when so many other countries have fantastic and free health care to every citizen is deplorable. Corporate Greed made those price brother not the President. System wide abuse and outrageous profit set these prices. We, as a country, refuse to heal the sick and needy but we claim to be the greatest country in the world? Has anyone read the Statue of Liberty's message lately. What a fucking joke.
Look, the fact is that the ACA was passed by Congress and enacted. It is the law of the land, nobody liked the seat belt law at first either but at least everyone uses them now. Republicans came up with this plan years ago and now they keep trying to subterfuge for political gain. Saint said his premiums went up 25% due to the President, yet doesn't mention that BCBS alone offers him 26 different plans to choose from now with varying degrees of coverage at different prices and it is better coverage now, because of the ACA. What is really ironic is that Dental coverage is outrageously expensive, much more so than major medical, so he is kind of fucked there. The entire Congress voted on this thing and it passed with a fucking super majority, quit blaming the black guy.
Hope this helps,
FDC
I love you too bro. :0008
Okay, I am not suggesting that anyone sit back and enjoy. What got me high and to the right on this is the attitude that this is the President's doing, he set the prices. He did this. That simply isn't true. Health care reform has been a hot button issue since Roosevelt. Insurance companies became exceedingly wealthy by denying coverage, putting life time spending limits on things, slow paying physicians, and the list goes on for far too long for me to write. This was also aided by the high mark up from practitioners. For instance, SAINT, I am curious what do you charge for a crown on a front tooth? In other words, many practitioners have over an 1100% mark up that they charge people. When someone that has no insurance goes to the doctor, they get charged the full office rate but that isn't what the insurance company pays. They pay the "insurance" rate. Something had to be done. Our population is growing and we couldn't take care of the sick. The fact that this is an issue in this country when so many other countries have fantastic and free health care to every citizen is deplorable. Corporate Greed made those price brother not the President. System wide abuse and outrageous profit set these prices. We, as a country, refuse to heal the sick and needy but we claim to be the greatest country in the world? Has anyone read the Statue of Liberty's message lately. What a fucking joke.
Look, the fact is that the ACA was passed by Congress and enacted. It is the law of the land, nobody liked the seat belt law at first either but at least everyone uses them now. Republicans came up with this plan years ago and now they keep trying to subterfuge for political gain. Saint said his premiums went up 25% due to the President, yet doesn't mention that BCBS alone offers him 26 different plans to choose from now with varying degrees of coverage at different prices and it is better coverage now, because of the ACA. What is really ironic is that Dental coverage is outrageously expensive, much more so than major medical, so he is kind of fucked there. The entire Congress voted on this thing and it passed with a fucking super majority, quit blaming the black guy.
Hope this helps,
FDC
I certainly NEVER disagreed with this. Tell me what Obamacare did to fix this? Nothing, it just made it so the middle class has to pay for it.
If BHO wants to take on the real fight and fix the problems with the actual cost of healthcare then sign me up, I'll volunteer to help out. He didn't do that, he just took money from me to pay for the problem.
Just like Bush Jr lined his pockets with big oil money and oil companies made record profits while Americans 4Xd the amount they paid for something the HAVE to have.
I'm on neither side here, and I'm certainly not "Blaming the black guy", I am on the side of whoever is willing to try and fix this mess. BHO took the easy way on on this one.
Hey bro,
I shouldn't have said that about blaming the black guy even though I was not directing it at you but just in general. I know you aren't like that. Sorry man. I agree with most of what you said.
I didn't take it as harshly as it sounds I did, so no problem there.
I honestly feel like the population of the US really wants the healthcare issue fixed, but neither side is willing to ignore party lines to fix the real problem.
Republicans want to make this a political issue and use it to gain ground towards the next election (that they can't win).
Democrats are blindly following BHO despite this being a plan most of their own constituents don't want.
I have no idea what BHO is thinking on this one. he can't possibly be stupid enough to see where this leads us.
companies are dropping their carriers as time goes by because they just can`t afford to insure based on the guidelines....that or they`re trying to cut hours on employees to avoid mandates...
we`ll be getting single payer at some point(which basically amounts to medicaid for all...this was the goal all along) with medicare folks getting a real screwing(a decent portion of aca funding is being taken out of medicare)...
what really galls is the fact that proponents of this clusterfuck are now scrambling to gets carve outs so they don`t have to take part in this mess....which is blatantly unfair and probably unconstitutional...
if they`re going to force this on the american people,make it so nobody gets an exemption(politicians and staff/gov`t workers/unions still in negotiations etc)....and if you don`t agree with the term "exemption"i`m talking about making everyone go into the exchanges and be forced to buy their own healthcare...make everybody have to jump through the same hoops.........you don`t pass a bill like this and then get to pick and choose who bears the brunt of your big idea.... nobody`s upset that they`ve exempted/protected themselves from the ramifications?....
and btw,i`m a retired federal employee...i have a great health plan....but i`m objective and it`s not fair...i haven`t had to do one damned thing because of this mess....i`m sitting pretty....
g.l. dudes......you might need it...
we`ll be getting single payer at some point(which basically amounts to medicaid for all...this was the goal all along) with medicare folks getting a real screwing(a decent portion of aca funding is being taken out of medicare)...
what really galls is the fact that proponents of this clusterfuck are now scrambling to gets carve outs so they don`t have to take part in this mess....which is blatantly unfair and probably unconstitutional...
if they`re going to force this on the american people,make it so nobody gets an exemption(politicians and staff/gov`t workers/unions still in negotiations etc)....and if you don`t agree with the term "exemption"i`m talking about making everyone go into the exchanges and be forced to buy their own healthcare...make everybody have to jump through the same hoops.........you don`t pass a bill like this and then get to pick and choose who bears the brunt of your big idea.... nobody`s upset that they`ve exempted/protected themselves from the ramifications?....
and btw,i`m a retired federal employee...i have a great health plan....but i`m objective and it`s not fair...i haven`t had to do one damned thing because of this mess....i`m sitting pretty....
g.l. dudes......you might need it...
I'm advising many of my clients to go into the individual market and get out of their group plans. You must shop for the right carrier first.
- Aug 14, 2013
- 476
- 13
- 0
:thefinger Yep, those POS saddle the public with the bill and make their own bailouts. Who is going to pay for all of this. When the dumbfucks that voted for Obama get the bill for the exchanges they are forced to pay for you really think they are going to pay it.. :142smilie
