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Am I right or wrong?

Does Cousin Sue have Obamacare?

  • Total voters
    10
  • Poll closed .
SenorXm/Sirius said:
No, she isn't. But is she in Illinois like you are? She can't get anything cheaper via Illinois's exchange?

I'm not being a wise ass. I know people here in NY who have no idea they can get insurance, and cheaper insurance through the NY State exchange. I had a 24 year old healthy male tell me the cheapest HI he could get would cost him $900 a month. I'm a 60+ YO who's falling apart and I pay about $475.

IDK where he got his info, but there are A LOT misinformed people out there.
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Yes, there are a lot of misinformed people. Maybe she thinks that she won't bother thru the exchange because she already knows she won't get a subsidy. Good poin. I'll mention it to her to make sure she compares independent insurance company rates to those on the exchange.
 
Chomsky said:
Perhaps true.

But in terms of the pricing of the end goods and services, Medicaid is a reasonable start. Far better than what's going on with the open insurance industry.
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Not really, the program is not all that well managed because all they care about is getting the price per procedure down, increasingly below cost to provide which messes things up, but they dont ration care and they dont care enough about fraud so the system gets charged up in spite of their fee per procedure "success". I also dont like that the feminist/government cooperative have turned medicaid into a victim servicing slush fund, which is a job's program for the feminists.

I am pretty certain that you dont agree with me here, and that's Ok.
 
digsbe said:
To be fair, not everyone's costs are that high. Through my employer I pay $20 a month for a decent plan and a 3k deductible (many things like preventative care/physicals are at no cost to me).

Canada is the closest single payer country to me, if I lived there my payroll taxes would be 3% higher when you look at Federal, Provincial (Ontario), CPP, and EI contrasted to what I make in one of the highest taxed states in the US when looking at Federal, state, local, and FICA (I converted my salary in USD to CAD). This isn't even taking into account the 13% sales tax in Ontario (contrasted to 6% here with many necessities being tax exempt), the significantly higher fuel costs and the higher costs of goods. Economically I'm still better off here with private insurance.
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You would love it up here though.
 
Chomsky said:
Yes, but to also be fair - your employer is heavily contributing.

For like policies, everyone is paying somewhat similarly. Whether they themselves pay, their employer pays, or the government (taxpayer) pays.

The real problem with American healthcare, is the lack of cost control (Medicaid, excepted).
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And that in itself is part of your compensation package.
 
JANFU said:
You would love it up here though.
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I do like it up there, I love when I get to visit. If it was economically advantageous for me to move to Canada I would strongly consider it.
 
MaggieD said:
Having a discussion with my cousin Sue today, we were talking about her concerns re premium renewal for her health insurance. She and her husband do very well. She gets no subsidy. When I began talking about Obamacare, she said, "Oh, we don't have that. We buy ours thru BCBS." They pay $$2200 a month for both of them, each one has a $6,000 deductible.

My position is that she does indeed have Obamacare. That every health insurance must comply with at least the minimum guidelines. Hers is, "No, that's only if you buy a policy on the exchange." She considers that she and her husband are self-insured and not a part of Obamacare.

So, who's right?
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Being on Obamacare and having to obey the news guidelines as a carrier are really two different things. So I think you may want recheck what you're saying.

btw, I can't understand how $2200 a month turns into a $6000 dollar deductible! That's $26,400 a year plus $6,000 more!
 
jet57 said:
Being on Obamacare and having to obey the news guidelines as a carrier are really two different things. So I think you may want recheck what you're saying.

btw, I can't understand how $2200 a month turns into a $6000 dollar deductible! That's $26,400 a year plus $6,000 more!
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That is correct. She is thinking she will take a $25,000 deductible because they are healthy. Of course, THAT can change with a phone call at their age.
 
MaggieD said:
That is correct. She is thinking she will take a $25,000 deductible because they are healthy. Of course, THAT can change with a phone call at their age.
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But $800 a month will give you a $2500 deductible; so why spend $2200 a month for what adds up to lousy insurance?
 
jet57 said:
But $800 a month will give you a $2500 deductible; so why spend $2200 a month for what adds up to lousy insurance?
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Not at their ages. Your number is wrong. Where are you getting it?
 
Hawkeye10 said:
So if they need medical they are spending $19,000 per year EACH, when the average usage rate even including those almost at death and usually consuming a ton is $10,000, with no major problems....that is ridiculous. I suspect that your cousin is very aware that not only are they paying all of their own way but they are also paying for others, so she is saying dont be saying that they are getting an ObamaCare gift.
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In my experience, $10k doesn't stretch very far in medical treatment.
 
Hawkeye10 said:
So if they need medical they are spending $19,000 per year EACH, when the average usage rate even including those almost at death and usually consuming a ton is $10,000, with no major problems....that is ridiculous. I suspect that your cousin is very aware that not only are they paying all of their own way but they are also paying for others, so she is saying dont be saying that they are getting an ObamaCare gift.
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Hawkeye, it depends upon what serious is. I get treatments every other week that cost insurance $16,000 each. I've been getting them for six months. If a person needs surgery, there's no way his bill will be under $10,000.
 
MaggieD said:
Having a discussion with my cousin Sue today, we were talking about her concerns re premium renewal for her health insurance. She and her husband do very well. She gets no subsidy. When I began talking about Obamacare, she said, "Oh, we don't have that. We buy ours thru BCBS." They pay $$2200 a month for both of them, each one has a $6,000 deductible.

My position is that she does indeed have Obamacare. That every health insurance must comply with at least the minimum guidelines. Hers is, "No, that's only if you buy a policy on the exchange." She considers that she and her husband are self-insured and not a part of Obamacare.

So, who's right?
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With well over 2000 pages of law in Obamacare, I think it's pretty certain that their insurance policy is totally governed by Obamacare. For that reason, I voted yes.

btw, self-insured mean they do NOT go through an insurance company, but rather insure themselves. The only ones I've heard of doing that are very large corporations.
 
jet57 said:
Nope, Blue shield offers it for $850.
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They have BCBS in Illinois. Are you getting a subsidy? It honestly isn't that for a 62 and 57 year old. My girlfriend, 60, has no subsidy and pays just over a thousand. I don't recall her deductible. Wherever yo're getting that number from is incorrect. I mean no offense. But I know they pay this. And they aren't stupid.
 
Mycroft said:
With well over 2000 pages of law in Obamacare, I think it's pretty certain that their insurance policy is totally governed by Obamacare. For that reason, I voted yes.
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I'm with you.
 
$2200 a month for health insurance for two people.

Wow. Just... wow.
 
Mycroft said:
With well over 2000 pages of law in Obamacare, I think it's pretty certain that their insurance policy is totally governed by Obamacare. For that reason, I voted yes.

btw, self-insured mean they do NOT go through an insurance company, but rather insure themselves. The only ones I've heard of doing that are very large corporations.
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Yeah, she's wrong about that, too. But I didn't mention it since she was shocked I would think she was on Obamacare. "No, were not! We buy our own policy from BCBS. We're self insured."

What this thread tells me is that many people probably don't understand their insurance, many people probably lose sight that their companies are subsidizing their rate, and many people are probably getting subsidies they may or may not be aware of.

Keep 'em in the dark and maybe they won't complain...
 
MaggieD said:
They have BCBS in Illinois. Are you getting a subsidy? It honestly isn't that for a 62 and 57 year old. My girlfriend, 60, has no subsidy and pays just over a thousand. I don't recall her deductible. Wherever yo're getting that number from is incorrect. I mean no offense. But I know they pay this. And they aren't stupid.
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I got it from Blue Shield; I'm shopping around.
 
MaggieD said:
Yeah, she's wrong about that, too. But I didn't mention it since she was shocked I would think she was on Obamacare. "No, were not! We buy our own policy from BCBS. We're self insured."

What this thread tells me is that many people probably don't understand their insurance, many people probably lose sight that their companies are subsidizing their rate, and many people are probably getting subsidies they may or may not be aware of.

Keep 'em in the dark and maybe they won't complain...
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Group insurance is cheaper. Exchanges are groups. Insurance through your employer is group. Self-Insurance is not group.

When I retired I was paying about $600 a month through my employer, for me and family. But by law after I retired my employer had to offer me COBRA. Not group insurance, just an option to get individual HI.. The cost for just ME was about $1,300. This was in 2009.
 
SenorXm/Sirius said:
Group insurance is cheaper. Exchanges are groups. Insurance through your employer is group. Self-Insurance is not group.

When I retired I was paying about $600 a month through my employer, for me and family. But by law after I retired my employer had to offer me COBRA. Not group insurance, just an option to get individual HI.. The cost for just ME was about $1,300. This was in 2009.
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Yeah; it's criminal ain't it?
 
jet57 said:
Yeah; it's criminal ain't it?
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Criminal? I'm not sure what you mean. It's just a fact. Employers get a group rate because there's 1,000's of people in that group. Self insurance is just you. So you get no group rate.

That's pretty much the way all insurance is.
 
SenorXm/Sirius said:
Criminal? I'm not sure what you mean. It's just a fact. Employers get a group rate because there's 1,000's of people in that group. Self insurance is just you. So you get no group rate.

That's pretty much the way all insurance is.
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We can only imagine how this fact ethat escapes employees effects any plans they may have to go into business for themselves. Very many people are gobsmacked when they find out what their insurance is really going to cost them on their own.
 
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