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Thread: Florida Blue cutting 300K policies

  1. #161
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by ItAin'tFree View Post
    Subsidies? Get real. Most people will still have a higher expense each month and with the higher deductibles for when they do get treatment something in their budget is going to take a big hit. Or does Obamadon'tcare change the rules of math now?
    This is a true story. On October 25, 2013 I went to www.healthcare.gov. I spent about 2 hours answering a lot of questions. It was very time consuming. The information I was providing was irritating to me but it was information that the government probably already had.

    After filling out all of these questions I signed up for a Blue Cross Blue Shield of NC Blue Value 3000 policy. My cost was $60.63999999986 per month. This policy covers myself and my wife. Both of us are age 34, non-smokers with no pre-existing health conditions and we live in North Carolina. I estimated that my income for 2014 to be $32,532. This made me eligible for $487.00 a month credit. I'm guessing that means the policy actually costs $547.63999999986 per month. The federal government is paying $478.00 and I get stuck paying the rest.

    Co-pays and co-insurance
    $5 Primary doctor
    $10 Specialist doctor
    $10 Copay after deductible Generic drugs


    Deductible
    $1,000
    group total

    Out-of-pocket maximum
    $1,400

    I'm sure you guys will have more questions. My question is this. Can a family of four with an annual income of $32,532 afford $60.64 per month? If not, what did a health insurance policy cost prior to the Affordable Health Care Act of 2010?

    This is an extra burden on my family because I never paid for health insurance before. I always thought it was a rip-off but now that it's required by law I thought I would sign up. According to the Supreme Court the government imposed a $727.68 annual tax on my family. This doesn't bother me. I haven't paid any federal taxes since my first daughter was born in 2003.

    This is a true story and actual events are not fictitious. I was an Affordable Health Care Act of 2010 Guinea Pig. If you prefer: I was an Obamacare guinea pig. It ain't free but it's pretty darn close.

    vasuderatorrent

  2. #162
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    reinoe's Avatar
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by RabidAlpaca View Post
    I'd say the same thing I said before: "Some people will find their policies cheaper, and some will find it more expensive, that's the way redistribution works."

    If you'd like to **** the middle class to help the poor, then that's your own sad outlook on life.
    Although most of the time the middle class is ****ed to help the rich. I just thought you ought to know.

  3. #163
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by Samhain View Post
    On the exchange, in Ohio, there are 32 plans available for me that range from $444.82/mo to $1,167.42/mo. My current plan is 320/mo and has a better copay, deductible, and out-of-pocket max than the $444 plan.

    I'm eligible for $43 in subsidies.

    When you make one-size-fits-all plans, with mandated coverage options, like maternity care even for single gay men, the cost will go up.

    Also, that "legally forced to give you a refund" amount, if any, will be split between you and the government. Remember, they paid some of the premiums too.
    Do you have a super sized income? I estimated my 2014 income to be $32,532 with a family of four and my subsidy was $487 per month.

    vasuderatorrent

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by finebead View Post
    Its immoral and unacceptable, unless you can explain how its moral.
    Business exist to make money. There are no morals involved in the process. All insurance companies in the United States could shut down tomorrow. That would be a morally superior option. You seem to have insurance companies mixed up with charities. Oh my gosh. Oh my gosh. Oh my gosh. I knew people believed this crap but I never saw it with such sincerity. Very weird.

    vasuderatorrent

  5. #165
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by RabidAlpaca View Post
    Instead they should have no insurance at all? That DOES sound better. Then maybe the government can fine them for not having health insurance. There are ****ty policies out there, and there are good ones.

    If I offered a policy for $5/month but put in writing that I can and will deny all payouts of any kind, and they still take it, that's their decision. The government is only supposed to insure the fair arbitration of the market. At most I think the government should make a requirement that the health insurance contract be more legally clear so that people can make informed decisions.
    If I promised the insurance company that I will have a $10,000,000 surgery next month and offered to pay $50,000 a month for the best policy, should the insurance agent sell me the policy? or would that be stealing on my part?

    vasuderatorrent

  6. #166
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by Helix View Post
    That looks like Dave Ramsey. I'll have to watch the video later.

    vasuderatorrent

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by AlabamaPaul View Post
    When the question begins with "What if...", the argument is an exercise in mental masturbation...
    Are you saying that the people will never go to the exchange to find out the truth? Are you saying it feels so much better to be right than to find out what is really going on?

    Go to the exchange, put in your information, pick a policy, sign up, get happy or pissed and then share your story with us. Nevermind. Just keep spouting off the Republican Party Platform adopted at the 2013 convention.

    The truth will destroy your rhetoric or strengthen your rhetoric. Is it worth the risk to find out the truth? Hell no. You'd rather be right.

    vasuderatorrent

  8. #168
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by AlabamaPaul View Post
    The fact is that individuals have lost their current insurance. Every post not addressing that fact is basically irrelevant and just speculative...
    Tell us your story in a truthful manner.

    vasuderatorrent

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by AlabamaPaul View Post
    What happened to the promise "If you like your insurance, you will be able to keep your insurance"? There are so many posting with no knowledge of the options, I find the number of experts amazingly high...
    What did you find out on the exchange about your situation?

    vasuderatorrent

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by vasuderatorrent View Post
    If I promised the insurance company that I will have a $10,000,000 surgery next month and offered to pay $50,000 a month for the best policy, should the insurance agent sell me the policy? or would that be stealing on my part?

    vasuderatorrent
    If you come to a written agreement with them and you both decide to agree to the deal, you should be held to that contract.

    Quote Originally Posted by reinoe View Post
    Although most of the time the middle class is ****ed to help the rich. I just thought you ought to know.
    And who are the ones doing that? The government being in bed with corporations. So people want to give the government more power and more money to reward them for being so trustworthy.

    That's so stupid it almost makes my brain explode.
    Quote Originally Posted by LowDown View Post
    I've got to say that it is shadenfreudalicious to see the rich and famous fucquewads on the coast suffering from the fires.

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