Well its official

[forestdaledave]

Send that letter back and tell them they are liars. That is the latest excuse.

http://business.time.com/2009/09/16/health-insurance-premiums-up-131-in-last-ten-years/

Health insurance has been going up for a long time. Private insurance companies are not your friend.
forestdaledave[/QUOTE

The liar here is Obama and his regime. Thats why I made sure and said union. These guys are Obama friendly. A little more info for you dave. The significant increase in cost would be to meet the minimum requirements in the affordable care act. This is where you say "you must have lousy insurance". Thats not true, and who is the government to determine my health care requirement. I was satisfied with my plan, and the government won't let me keep it. lie after lie.

I just had to change a fuel line from my oil tank to my furnace. The old one was working fine and I was happy with it but the government made me change it. I don't know if was State or local government but I know it wasn't Obama. The point is, we are forced to do a lot of things we don't want to, all in the name of common good. No one likes it when we have to do it but we all sure do like it when it protects us. You may not like health care reform but the person who has a preexisting condition sure does. The older a person becomes the more preexisting conditions they have. Unless you decide to kick early you will be old too.
Forestdaledave
Forestdaledave

 

[Traumahawk]

Dave....this video states it very well.

https://www.youtube.com/embed/rEM4NKXK-iA?feature=player_detailpage

 

[Traumahawk]

The thing that a LOT of people keep forgetting...EVERYONE has healthcare. YOU get shot, have a heart attack, etc...and are STONE COLD BROKE. Go to your nearest ER, and you will get sene and treated. If you are refused..etc..that is an EMTALA Violation.

In 1986, Congress enacted the Emergency Medical Treatment & Labor Act (EMTALA) to ensure public access to emergency services regardless of ability to pay. Section 1867 of the Social Security Act imposes specific obligations on Medicare-participating hospitals that offer emergency services to provide a medical screening examination (MSE) when a request is made for examination or treatment for an emergency medical condition (EMC), including active labor, regardless of an individual's ability to pay. Hospitals are then required to provide stabilizing treatment for patients with EMCs. If a hospital is unable to stabilize a patient within its capability, or if the patient requests, an appropriate transfer should be implemented.

What people want is health insurance...so they dont get stuck with a bill.

 

[tothemax93]

I just had to change a fuel line from my oil tank to my furnace. The old one was working fine and I was happy with it but the government made me change it. I don't know if was State or local government but I know it wasn't Obama. The point is, we are forced to do a lot of things we don't want to, all in the name of common good. No one likes it when we have to do it but we all sure do like it when it protects us. You may not like health care reform but the person who has a preexisting condition sure does. The older a person becomes the more preexisting conditions they have. Unless you decide to kick early you will be old too.
Forestdaledave
Forestdaledave

So you've gone from it's not true, to its for the common good. Lie after lie. Lets hear from our liar and chief.

http://www.youtube.com/watch?v=onC_kAu86SM

 

[cgswss]

OK- here's MY story... I'm 64, non smoker (smokers have to pay 50% more). My total income is from SS retirement. I get $1602 a month. According to the obamacare website, the CHEAPEST plan I can get is $555/mo--- 1/3 of my income!

But thats for "a great product" right? doesn't seem that way to me. I have to see a DR. every 3 months at $100 a visit. I have a $1500 blood test at each of these appointments. I have meds that cost me about $100 a month. Once a year I need an outpatient procedure that cost $2000 to $2500. Just fyi, that $2500 procedure that they recommend for anyone over 50 years old, Under Obamacare, is only paid for once every 10 years! Thats right, something my DR. insists I NEED once a year, has been determined to be only necessary every 10 years by the government!

Now under this WONDERFUL new policy that the government tells me is good for me, How much of this is covered? (drum roll....) NONE of it! Well actually its covered, but they don't pay for it.

You see first I have to pay $6200 "out of pocket" in covered medical costs, and $6660 in insurance, the policy will start paying 60% of my medical bills! What a deal!

BUT!

If I need birth control that is covered at 100% not subject to deductible or co pay. Of course the meds I need TO KEEP ME ALIVE are not paid until I pay the deductible.

Now I can get a plan that gives me about the same coverage as I had before... For $865/mo.

I should mention the plan that is being replaced- that gave me a 20% co-pay until I was $2500 out of pocket (then covered at 100%)-- well that sub standard plan cost $265 a month!. OK it din't cover my birth control needs or child birth, or things like a D&C, but it di cove the things I really NEED.

The only good thing I can see is that I will be on Medicare in 10 moths for a little over $100 a month. Of course I paid in that fund all my working life.

My Son figures he will be better off just not working and living with me on Medicade and food stamps, and pick up spending money by doing work "off the books"

Does this sound like the "American Dream" to any of you???

 

[johnblaid]

This has to be wrong. every night on fox news they play tapes of Obama swearing before all the Gods he can think of that if you like your current healthcare you can keep it...period.

And he's the president...he wouldn't lie.

 

[Itgoes]

OK- here's MY story... I'm 64, non smoker (smokers have to pay 50% more). My total income is from SS retirement. I get $1602 a month. According to the obamacare website, the CHEAPEST plan I can get is $555/mo--- 1/3 of my income!

But thats for "a great product" right? doesn't seem that way to me. I have to see a DR. every 3 months at $100 a visit. I have a $1500 blood test at each of these appointments. I have meds that cost me about $100 a month. Once a year I need an outpatient procedure that cost $2000 to $2500. Just fyi, that $2500 procedure that they recommend for anyone over 50 years old, Under Obamacare, is only paid for once every 10 years! Thats right, something my DR. insists I NEED once a year, has been determined to be only necessary every 10 years by the government!

Now under this WONDERFUL new policy that the government tells me is good for me, How much of this is covered? (drum roll....) NONE of it! Well actually its covered, but they don't pay for it.

You see first I have to pay $6200 "out of pocket" in covered medical costs, and $6660 in insurance, the policy will start paying 60% of my medical bills! What a deal!

BUT!

If I need birth control that is covered at 100% not subject to deductible or co pay. Of course the meds I need TO KEEP ME ALIVE are not paid until I pay the deductible.

Now I can get a plan that gives me about the same coverage as I had before... For $865/mo.

I should mention the plan that is being replaced- that gave me a 20% co-pay until I was $2500 out of pocket (then covered at 100%)-- well that sub standard plan cost $265 a month!. OK it din't cover my birth control needs or child birth, or things like a D&C, but it di cove the things I really NEED.

The only good thing I can see is that I will be on Medicare in 10 moths for a little over $100 a month. Of course I paid in that fund all my working life.

My Son figures he will be better off just not working and living with me on Medicade and food stamps, and pick up spending money by doing work "off the books"

Does this sound like the "American Dream" to any of you???

OK so I ran your numbers on the ACA web site cost estimate calculator.

It won't be exact because not knowing where you live I asked for the "nationwide average".

Here is what it returned:



Total monthly cost to you is around $77 per month for the silver plan.

Sooooo, what gives? Can the estimator be that far off? Did you subtract the subsidies you are eligible for? :ummm:

 

[tothemax93]

OK so I ran your numbers on the ACA web site cost estimate calculator.

It won't be exact because not knowing where you live I asked for the "nationwide average".

Here is what it returned:

View attachment 40149

Total monthly cost to you is around $77 per month for the silver plan.

Sooooo, what gives? Can the estimator be that far off? Did you subtract the subsidies you are eligible for? :ummm:

Could you also address what the plan actually covers, and the deductables as described in cgswss post. can you make those better? You can pay a dollar a month for a gold plan, but if your not covered for certain things or the deductable breaks you, then what good is it.

 

[Itgoes]

Could you also address what the plan actually covers, and the deductables as described in cgswss post. can you make those better? You can pay a dollar a month for a gold plan, but if your not covered for certain things or the deductable breaks you, then what good is it.

I can't. Only he can get access to that information. The cost for the "gold"plan which is very good coverage, is around what he stated best I can tell.....around $530. But at his income level there is a large subsidy that I can only assume he did not subtract.

 

[cgswss]

Well I got the numbers from the health care.gov site originally. I tried every way I could to verify them and no one could. Because the plan was thru Blue cross of Michigan, I called them. They gave me the same numbers $555 for the cheap Bronze plan. I also wanted to make certain the NOTHING was covered until the deductible was paid. The BX person told me that Birth control would be but not the meds I'm on. She double checked with a second person (remember this is BX- they WANT to sell me a policy) She said that those numbers were 100% accurate. I just went back to health care. gov

 

[cgswss]

Sorry- hopefully this works


BTW I heard on FOX that over 5000 people have sighed up thinking they would get some wonderful prices and now they know that the prices were all wrong- seems the website took the Monthly income and figured it as the yearly income!

I don't know why the Deductible went up from the last time I checked. BTW I tried to sign in using my ID/pass word and it said it was invalid. I asked it to send me the correct ID and it sent me nothing. SO I created a new ID at a new e-mail to get in.

 

[cgswss]

I tired again to see what silver would do and could not get in. I tried the "estimator" at the bottom and it said I should be around $434.64

I went to the BX site and got the "silver" plan, which sounds a lot like the old plan I had. I was quoted $850 on this plan

One of the biggest problems I have is that NO ONE at healthcare.gov (phone or chat) can tell me if this plan/price is right and WHY its so much different from the estimated plans elsewhere.

 

[Itgoes]

I tired again to see what silver would do and could not get in. I tried the "estimator" at the bottom and it said I should be around $434.64

I went to the BX site and got the "silver" plan, which sounds a lot like the old plan I had. I was quoted $850 on this plan

One of the biggest problems I have is that NO ONE at healthcare.gov (phone or chat) can tell me if this plan/price is right and WHY its so much different from the estimated plans elsewhere.

You are not showing the cost after the subsidies......that is the price if you were making over 60K a year. At your income level most of that should be subsidized......

 

[tothemax93]

You are not showing the cost after the subsidies......that is the price if you were making over 60K a year. At your income level most of that should be subsidized......

I wonder what the cost of the lawyer is to get you through the paper work. Maybe thats a good business for CPA's after tax season :hmmm:. wade through the paper work and help a guy who just wants to go to work and live his life, get through this bureaucratic nightmare. :damn angry: They're already tight with the IRS

 

[forestdaledave]

One thing is for sure, it is a mess. Procrastination may be the name of the game.
Forestdaledave

 

[cgswss]

You are not showing the cost after the subsidies......that is the price if you were making over 60K a year. At your income level most of that should be subsidized......

Yeah- thats what I thought. But the healthcare.gov site sz I DO NOT qualify for subsidies. It also sz I do not qualify for Medicaid. Same thing when I talk to BX. I'm wondering if that is because I don't pay income tax. (no tax on Social Security). That something I have wondered about from the start because the subsidies come in the form of tax credits. If you don't pay taxes, how can tax credits be of any value? Again I have asked everyone I have talked to about this and they do not know! I have tried 3 times at healthcare .gov (talking to people) and they don't know. they also don't know how one would cancel the policy when one went on Medicare next year.

Believe me when I tell you I would LOVE to have that silver plan for $70 a month. Hell I would love to have it for twice that amount. when you go thru the sign up process, there is a question "Did you file for Income tax last year" which I tell the truth on (I didn't). I which I could re set that and say "yes". I have tried this with different IDs and each time it goes away to never never land and some error flashes on the screen. In my talkes with the people on the telephone they say it must just be some sort of "glich" try again in a couple of weeks.

There is also a question "do you plan to file income tax in 2014. Of course the correct answer is "no"- my Social Security W2 sz not to. I would love to try to answer this as "yes" and see what happens (hell if al that is required is that I file a 1040EZ to get subsides I can do that) but it won't let me do that. Again no one I talk to knows what is going on here and THEY can't go in and put in my info to see. The only answer they have is for me to sign up (which is someone there putting my info on paper and someone else keying it in at some later time) but I have to sign up to find out what the price will be!

It is hard to express how frustrating this is. I have spent OVER 100 hours trying to get thru this. I'll bet I have started over and reentered my info over 1000 times (auto fill is blocked on this website for some government only knows reason) I have tried contacting my reps to see if they can help and all I get is form letters and staffers that blow me off with "well they are working on the problems tay again later...

I'm guessing that they just assumed that anyone on SS retirement would be on Medicare and anyone on SSI would be on Medicaide. I'm guessing the rebates work something like the "earned income" credits on one's tax return. Of course I can't file for earned income credits because I don't work. Who knowes... If I could get a part time job... even for a week so I generated some earned income, then maybe it would cure the problem!

 

[cgswss]

I have just tried 30 more times to get into the web site. It tells me my ID is invalid and when I try to create a new ID it errors out at the security question screen telling me that I can't have the same answer in 2 different questions. I have tried 30 different combinations of picking the questions and putting in different answers and it has error out each time.

Must be a "glich"

 

[tothemax93]

I have just tried 30 more times to get into the web site. It tells me my ID is invalid and when I try to create a new ID it errors out at the security question screen telling me that I can't have the same answer in 2 different questions. I have tried 30 different combinations of picking the questions and putting in different answers and it has error out each time.

Must be a "glich"

Sorry man. I really feel your pain. I despise this kind of stuff. Then when you finally get through to a person, your heads ready to explode. And then they can't help you. There's another job for the private sector. First CPA's for the paper work, and second, counselors to talk you off the ledge or stop you from killing someone. :damn angry: I wonder if they cover stressed induced heart attacks.

 

[cgswss]

BTW- called them again. I've called so many times that now I get a recording that says it sees I've called before and would I like to talk to that person again- ofcourse I don't get to that person and have to start all over from the top- something that really pisses me off as I guess they don't have the ability to note the account with what happened in the last call. I ran a call center for 15 years- If I couldn't see notes of what happened on that call, I had to assume the person was not doing anything and they would soon be out the door!

 

[Tex85]

BTW- called them again. I've called so many times that now I get a recording that says it sees I've called before and would I like to talk to that person again- ofcourse I don't get to that person and have to start all over from the top- something that really pisses me off as I guess they don't have the ability to note the account with what happened in the last call. I ran a call center for 15 years- If I couldn't see notes of what happened on that call, I had to assume the person was not doing anything and they would soon be out the door!

One of the many fundamental difference between private and public. Ever tried to terminate a government employee? Unless the department is completely removed from the equation it is damn near impossible.

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