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One man's ObamaCare nightmare[W:51]

Re: One man's ObamaCare nightmare

notquiteright said:
My wife and I had Humana as private insurance- high deductible (5K), no on going health care issues, and no riders to cover the high deductible such as AFLAC.

550 a month.

We asked about a plan with riders to cover cancer and serious illness (the AFLAC style riders) well they claimed to not offer such but could put together a plan with other insurance carriers- 830 a month IIRC.

We now have a different company with riders, a dental plan, and a vision care thing.

343 a month.

You don't take the gubmint's word without question, why do you take Humana's as if it is the 11th commandment???? :confused:

Like Pappa John's and that Florida franchise owner of I think it was Denny's.... They claim one thing, but simple math shows they are just being petty, partisan asses....
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So you have an Obamacare plan for $343/month that is superior to what you had before?
 
Re: One man's ObamaCare nightmare

Snappo said:
Actually, you are one of the bottom feeders that are carried by me.
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Bottom feeders? Projection? hmmmm....

I spent 20 years protecting your freedom of speech so you could even type that garbage....
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Yeah? What unit were you in? What did you do in the military? What branch? Officer, or enlisted?

I spent less time in, but I was active duty Army for 6 years, with my last unit being the 101st. I only say this because you seem to have wanted to throw your reserve service out there as some 'dick waiving' contest to shut down your opponent in debate, and I can tell ya brother, that is poor form. If you think you are entitled to a lifetime of my support just because you chose the path of a volunteer in the greatest military in history, then I would question why you do anything in the first place.

, and I guarantee I pay 5x to 10x what you do in taxes every year.
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How could possibly know that? You're in here whining because you don't get 'free stuff', yet you want to project the picture of financial independence? I'm not buying it...

People like you should kiss the a$$es of people like me that pay 90% of the taxes. Your kind hasn't paid a dime for my decisions. Other way around. I pay for your kind to even exist.
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Nah, like I said I am not buying it....If you were truly independently wealthy like that, I seriously doubt that you'd be in a board like this wasting time....Most people I know that have that kind of money don't have the time for silliness like this.
 
Re: One man's ObamaCare nightmare

American said:
So you have an Obamacare plan for $343/month that is superior to what you had before?
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That would be impossible as far as I understand...You can't even look at the 'exchanges' til next week, and that to start with will only be through a 'facilitator'.... I have the feeling we are entering the stage of the law where a lot of outright lies will be made up on boards like this to tamp down the true stories of people being hurt out there...Remember all the reports of Obama operatives infiltrating boards like these a while back.
 
Re: One man's ObamaCare nightmare

j-mac said:
That would be impossible as far as I understand...You can't even look at the 'exchanges' til next week, and that to start with will only be through a 'facilitator'.... I have the feeling we are entering the stage of the law where a lot of outright lies will be made up on boards like this to tamp down the true stories of people being hurt out there...Remember all the reports of Obama operatives infiltrating boards like these a while back.
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Yeah, well I was just asking the question.
 
Re: One man's ObamaCare nightmare

reinoe said:
Government spending is bad unless it benefits me personally, then it's the best thing ever.
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I get the point you are making. However, expecting people to spend 20 or 30 years in the military, do what they are required to do for what they get paid, something else has to be offered. Health care has been the standard thing offered and agreed upon by the government and the service member. The funny thing about it though, when retired many do not even use it or use it as a secondary cutting the governments cost by a lot. They end up working somewhere else because the retired pay just isn't enough and they take their new employers insurance or that of their spouse. That will be changing now of course because of Obamacare. The government will soon be stuck paying the full amount for what they agreed to with each retired service member which of course taxpayers will have to pay for.
 
Re: One man's ObamaCare nightmare

j-mac said:
IOW, you want total compliance, and glowing review regardless of the actual garbage in this bill...I understand, most propagandists in history thought the same way. Not sayin', just sayin'....The real work would seem to rely on listening to the people, right? Well then, why is it that this turd is unpopular as it is in the public, is not being delayed before it is forced on people in its current broken fashion, and causes damage to lives?
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you always project j. I'm not the one spreading misinformation. A boss will listen, but not placate the ill informed. Not if he wants any success. The fact is, you are responding largely to misinformation. yes, this bill can and should be improved, but it is not what you think it is.
 
Re: One man's ObamaCare nightmare

Boo Radley said:
you always project j. I'm not the one spreading misinformation. A boss will listen, but not placate the ill informed. Not if he wants any success. The fact is, you are responding largely to misinformation. yes, this bill can and should be improved, but it is not what you think it is.
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And Boo Radley knows because he reads Obama's website.
 
Re: One man's ObamaCare nightmare

CalGun said:
Here is some partisan hackery for ya
The Explosion in Healthcare Premiums in One Convenient Chart | Independent Journal Review
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Yet more CON games :roll:

First I keep asking and you keep avoiding- you don't have much experience with insurance do you?

Next once you get past the 'bumper sticker' crap and look at why the premiums are going up you see the final gasp of the huge insurance conglomerates hiking rates to maximize their profit pre ACA. Humana didn't hike their premium rate due to the ACA, that tripling came BEFORE the law kicks in. :shock:

Next the charts leave out one key detail, premium rise will occur in the younger set, the older and growing set will hold steady or decrease. So I can see the youngsters screaming, even those who have employer subsidized insurance, but the older segment of society is a huge part of our society

So what is the biggest part of any predicted rate increase, and let's remember the increase so feared is as much a part of those who hate and are fighting ACA than any real numbers.

The biggest part is expanding coverage PER PERSON. What was never covered is now covered. This will make a big difference down the road as our resident partisan 'I gotta hate the ACA' crowd refuse to see is detecting and treating early is far less expensive for the patient and their family. Co-pays can destroy a family's budget.

So I can see young folks being mad that the healthcare industry will receive a long overdue reform, it isn't perfect and the very self centered youth are mad, but for the rest of the nation let's see before we judge.

But back on the OP, NP brought in a pile of steaming crap that had nothing to due with ACA but the greed of Humana. In Cal's chart where is the state with a 300% rate increase???? :confused:

There is no state but the one of Denial.

Given the 'experts' in elections and war making on the CON side of the room I'd say let's wait and see how this whole thing shakes out before believing articles posted on CON websites.

IF the massive rate increases occur like the CONs claim ACA will be dropped like a hot rock.
 
Re: One man's ObamaCare nightmare

American said:
So you have an Obamacare plan for $343/month that is superior to what you had before?
Click to expand...

You have not been paying attention have you?

I said HUMANA has for crap plans that are over priced and under coverage compared to many other sources.

Several have pointed out all this blaming of the ACA is premature as the new regulations have not kicked in yet, the 300% rate increase is due to HUMANA price gouging NOT ACA.
 
Re: One man's ObamaCare nightmare

notquiteright said:
Yet more CON games :roll:

First I keep asking and you keep avoiding- you don't have much experience with insurance do you?

Next once you get past the 'bumper sticker' crap and look at why the premiums are going up you see the final gasp of the huge insurance conglomerates hiking rates to maximize their profit pre ACA. Humana didn't hike their premium rate due to the ACA, that tripling came BEFORE the law kicks in. :shock:

Next the charts leave out one key detail, premium rise will occur in the younger set, the older and growing set will hold steady or decrease. So I can see the youngsters screaming, even those who have employer subsidized insurance, but the older segment of society is a huge part of our society

So what is the biggest part of any predicted rate increase, and let's remember the increase so feared is as much a part of those who hate and are fighting ACA than any real numbers.

The biggest part is expanding coverage PER PERSON. What was never covered is now covered. This will make a big difference down the road as our resident partisan 'I gotta hate the ACA' crowd refuse to see is detecting and treating early is far less expensive for the patient and their family. Co-pays can destroy a family's budget.

So I can see young folks being mad that the healthcare industry will receive a long overdue reform, it isn't perfect and the very self centered youth are mad, but for the rest of the nation let's see before we judge.

But back on the OP, NP brought in a pile of steaming crap that had nothing to due with ACA but the greed of Humana. In Cal's chart where is the state with a 300% rate increase???? :confused:

There is no state but the one of Denial.

Given the 'experts' in elections and war making on the CON side of the room I'd say let's wait and see how this whole thing shakes out before believing articles posted on CON websites.

IF the massive rate increases occur like the CONs claim ACA will be dropped like a hot rock.
Click to expand...

This argument that it is not perfect and it still needs reform will be going on for decades. Meanwhile the bureaucracy will grow tremendously, the government will exercise more power over the individual, and every election will largely be about government health care, how to save it, and if it isn't saved little old ladies will be thrown off cliff tops. It's almost, but not quite, comical.
 
Re: One man's ObamaCare nightmare

notquiteright said:
You have not been paying attention have you?

I said HUMANA has for crap plans that are over priced and under coverage compared to many other sources.

Several have pointed out all this blaming of the ACA is premature as the new regulations have not kicked in yet, the 300% rate increase is due to HUMANA price gouging NOT ACA.
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Many of the regulations have kicked in already. Those benefits are "free to the consumer" but cost insurance companies money, so they had to raise premiums. Are you even familiar wth what this law actually does?

Obamacare Will Increase Health Spending By $7,450 For A Typical Family of Four - Forbes
 
Re: One man's ObamaCare nightmare

jmotivator said:
And Boo Radley knows because he reads Obama's website.
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No. I know because I read a lot of things. You could know as well if you stopped reading the misinformation.
 
Re: One man's ObamaCare nightmare

notquiteright said:
So what is the biggest part of any predicted rate increase, and let's remember the increase so feared is as much a part of those who hate and are fighting ACA than any real numbers.

The biggest part is expanding coverage PER PERSON. What was never covered is now covered. This will make a big difference down the road as our resident partisan 'I gotta hate the ACA' crowd refuse to see is detecting and treating early is far less expensive for the patient and their family. Co-pays can destroy a family's budget.
Click to expand...

My oh my how the selling point for this disaster keeps changing.

First off it was "everybody gets insurance". Proven lie already.

Then it was "premiums will go down". Proven lie already.

Then it was "keep the insurance you already have". Proven lie already.

Then it was "can't be turned down". Proven lie already. (Open enrollment periods will be almost exactly like they are now)

Now the lie is, "expanding coverage makes it worth it". This is nothing more than another reason why many people will lose their health insurance. Premiums go up, many can't afford it. Premiums go up, many employers can't afford to pay it. So people lose their health insurance or can't afford to buy it because the government knows better than the customer as to what the insurance must cover. Who is going to go out and buy insurance because the coverage is going to be expanded? Had they wanted it or could afford expanded coverage, they would already have it.

Is there any wonder why the American public has been against this disaster from the very start?

And any of the above doesn't even get into the loss of freedom and liberty that the American citizen can never get back.
 
Re: One man's ObamaCare nightmare

Boo Radley said:
No. I know because I read a lot of things. You could know as well if you stopped reading the misinformation.
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Oh well, you read a lot of "things"? That citation is unassailable! :roll:
 
Re: One man's ObamaCare nightmare

Grant said:
Yes, and he and Nancy Pelosi knows that it's not what you think it is.
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So... no unicorns? More unicorns?
 
Re: One man's ObamaCare nightmare

notquiteright said:
You have not been paying attention have you?

I said HUMANA has for crap plans that are over priced and under coverage compared to many other sources.

Several have pointed out all this blaming of the ACA is premature as the new regulations have not kicked in yet, the 300% rate increase is due to HUMANA price gouging NOT ACA.
Click to expand...

Really, if so just wait till ACA kicks in.
 
Re: One man's ObamaCare nightmare

Grant said:
This argument that it is not perfect and it still needs reform will be going on for decades. Meanwhile the bureaucracy will grow tremendously, the government will exercise more power over the individual, and every election will largely be about government health care, how to save it, and if it isn't saved little old ladies will be thrown off cliff tops. It's almost, but not quite, comical.
Click to expand...

CON under and then overstatement with a generous helping of misdirection....

That the system isn't perfect is a HUGE understatement. I can only surmise most who hate ACA have a vested interest in keeping the current system going or have their healthcare provided for them by someone else. REFORM???? According to the Kaiser Family Research crowd from 1999 to 2009 premiums rose 131% while inflation was 28%. I'd say the 'reform' by that much CON loved 'invisible hand' is invisible itself. :roll:

What many seem to miss is the 'bureaucracy' is already inplace, every state runs an insurance bureaucracy and due to the complex mish mash of insurance companies, policies and forms many doctors and medical facilities have a massive workforce with no other job but deal with the paperwork.

With or without ACA every election will focus on healthcare, the premium increase some CONs decry that hasn't happened yet compared to the premium increases that have happened and show no sign of stopping on their own.

Funny those opposed to ACA should revisit someone getting thrown off the cliffs- wasn't that a huge scream about ACA with 'death panels' and abandoned elderly????

The flip flop of the CON gamers is almost, but not quite, comical... :peace
 
Re: One man's ObamaCare nightmare

Yes I have insurance, its given to me by an employer for my labor, and its likely to go away since my 36 hours are going to be reduced to 28 January 1, 2014.

Just to put a "fail" into your claim that insurance companies are raising rates to maximize profits ahead of the obamafarce the state of CA regulates "profits" on insurance companies and would forbid such a policy / effort. Since CA is 11-12% of the population in the US your wet dream of corporate hatred for insurance companies is false - just like the claims you've made about your rates going down but then later say they will probably go up. What a joke - from your own post no less.






notquiteright said:
Yet more CON games :roll:

First I keep asking and you keep avoiding- you don't have much experience with insurance do you?

Next once you get past the 'bumper sticker' crap and look at why the premiums are going up you see the final gasp of the huge insurance conglomerates hiking rates to maximize their profit pre ACA. Humana didn't hike their premium rate due to the ACA, that tripling came BEFORE the law kicks in. :shock:

Next the charts leave out one key detail, premium rise will occur in the younger set, the older and growing set will hold steady or decrease. So I can see the youngsters screaming, even those who have employer subsidized insurance, but the older segment of society is a huge part of our society

So what is the biggest part of any predicted rate increase, and let's remember the increase so feared is as much a part of those who hate and are fighting ACA than any real numbers.

The biggest part is expanding coverage PER PERSON. What was never covered is now covered. This will make a big difference down the road as our resident partisan 'I gotta hate the ACA' crowd refuse to see is detecting and treating early is far less expensive for the patient and their family. Co-pays can destroy a family's budget.

So I can see young folks being mad that the healthcare industry will receive a long overdue reform, it isn't perfect and the very self centered youth are mad, but for the rest of the nation let's see before we judge.

But back on the OP, NP brought in a pile of steaming crap that had nothing to due with ACA but the greed of Humana. In Cal's chart where is the state with a 300% rate increase???? :confused:

There is no state but the one of Denial.

Given the 'experts' in elections and war making on the CON side of the room I'd say let's wait and see how this whole thing shakes out before believing articles posted on CON websites.

IF the massive rate increases occur like the CONs claim ACA will be dropped like a hot rock.
Click to expand...
 
Re: One man's ObamaCare nightmare

jmotivator said:
Oh well, you read a lot of "things"? That citation is unassailable! :roll:
Click to expand...

if you want an article, I can certainly cite many.

You can certainly start here for an overview of misinformation:

PolitiFact | Health Care statements

For some, this would be good place:

Health Care Reform and Medicare Myths vs. Facts - AARP

For an academic view, you can start here:

http://www.dartmouth.edu/~nyhan/health-care-misinformation.pdf

Just let me know what you ant to know. :coffeepap
 
Re: One man's ObamaCare nightmare

Comunitee.com said:
* Insurance should be provided for everything. You read me: Everything.
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Do you think your insurance company on your car should pick up all costs associated with your car?

Gas, oil changes, wipers, brakes, and belt adjustments? How much do you think that insurance would cost?

Who is going to pay for the overage when your medical bills exceed your premiums?
 
Re: One man's ObamaCare nightmare

CalGun said:
Yes I have insurance, its given to me by an employer for my labor, and its likely to go away since my 36 hours are going to be reduced to 28 January 1, 2014. Just to put a "fail" into your claim that insurance companies are raising rates to maximize profits ahead of the obamafarce the state of CA regulates "profits" on insurance companies and would forbid such a policy / effort. Since CA is 11-12% of the population in the US your wet dream of corporate hatred for insurance companies is false - just like the claims you've made about your rates going down but then later say they will probably go up. What a joke - from your own post no less.
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More CONvoluted crap to try and spin your way out.

First MY premium costs were to show Humana is a crappy company for private insurance and I found MUCH better elsewhere... since the ACA has not gone into effect how can anyone have a new policy yet???? You just don't think, it is almost pure knee jerk CON crap.

ALL states 'regulate' profits, the so-called 80-20 law which got me a nice rebate check this year from Humana for failing to reinvest in the state's program for improving the process before I changed companies.

How else do you explain a 300% increase in the OP's policy AHEAD of ACA going into effect???? That was what YOU initially tried to blame on the ACA, well until it is pointed out the ACA has not gone into affect yet.... :shock:

I figured you was clueless on what healthcare costs and what it would take to self insure. We ALL work for our money, so the 'for my labor' is self stroking crap. When you do go to 36 hours welcome to my world and good luck!!!! (Does show how much the employers value their workers) Do you REALLY think Pappa John couldn't eat 5 cents a pizza/ tack on the nickle to show his workers how much he realizes without them he wouldn't have all he does- or is he telling them "I can get a dozen more just like ya at the drop of a hat"???

Seems your boss is giving you the same message as well.... :peace
 
Re: One man's ObamaCare nightmare

ItAin'tFree said:
LOL. You know way far less than you think you know about me or anything else for that matter. Lets see where to start on your last two foolish posts. We'll start with this: "a bill paying screw-up cancelled my COBRA". Uh why don't people pay their bills on time? It's always one of two things, if not both. (a) they don't have the money (b) they are stupid.

Now on to this: "but I have to assume the $80K to $100K I pay in taxes every year somehow entitles me to get something back." (a) you don't pay your bills so it's very questionable if you make what you claim (b) point out which part of the tax code "entitles" you to get something back if you haven't overpaid (c) some people pay way more than what you claim you pay others pay way less than what you claim you pay. If everybody gets "something back" it does little good to pay taxes to begin with.

Now this: "It has to be cheaper". Your screw up caused you to look elsewhere for insurance. It's not BCBS fault you screwed up and they are not in business to go broke. In the future, don't be a screw up.

Now this: "I need to contact the VA and see if I am eligible for Tricare since USAF got 20 years of reserve duty from me." The VA and Tricare are two completely different organizations. 20 years of service and you don't know that? 20 years of service and you don't know if you are eligible for Tricare? Those make it questionable if you even did 20 years of service. But if you did, why are you so screwed up you don't know what you are eligible for? Everybody else gets briefed repeatedly on what they are eligible for. Sounds like it goes back to item (b) on why people don't pay their bills.

Now this: " trying to say my wife's diabetes won't be covered." It will be covered just as soon as she meets the wait requirement required by the state of New York. You should already know this if she really has diabetes.

Now this: " I would assume the nearest VA hospital". You have access to a computer and most likely a phone. Item (b) again on why people don't pay their bills.

Now this: "Actually, you are one of the bottom feeders that are carried by me." No I'm not and no you don't.

Now this: " I spent 20 years protecting your freedom of speech". Why thank you (if you did serve). But does my military time count toward me protecting my own freedom of speech or is it just yours?

Now this: "I guarantee I pay 5x to 10x what you do in taxes every year". If based on what you claim to make, you don't. Item (b) again on your part.

Now this: " Hell, I bet my taxes are more than your salary by a long shot." No need in you playing the lottery or betting on the Kentucky Derby. You make horrible bets.

Now this: "People like you should kiss the a$$es of people like me that pay 90% of the taxes". By your standard you'd be kissing mine.

Now this: "Your kind hasn't paid a dime for my decisions. Other way around. I pay for your kind to even exist." You have no clue as to what my "kind" is. Lots of item (b) there.
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What I don't get is if a person makes a couple hundred thousand a year, why can't they pay for their own medical care?

Why do they need an all inclusive insurance plan?
 
Re: One man's ObamaCare nightmare

Doesn't it anger anyone here that Obama gave corporations a one year delay which means individuals will have to make up that money the corporations will not be paying?

How could costs possibly go down?
 
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