How Is Obamacare Working Out for You?

[Pants II]

I can't talk about what I know regarding a particular state. Lets just say if they can keep it swept under the rug until 2017 it will be a miracle.

[Danzig]

Originally Posted by jms62

What really is beautiful are the Health Insurance companies blaming ACA as the culprit for gouging the public while rewarding CEO's with obscene compensation packages. Equally as beautiful is that many of us can't see through that? Additionally Obama not calling them on it but I guess their money is as good as anyone else's. What a corrupt ****ing country this has become.

http://www.commondreams.org/news/201...-2008-campaign

it's a huge problem that nothing has been done about pricing, with us continuing to have by far the most expensive health care....while being behind countries like cuba in delivery of health care-still 37th i think. been a while since i looked. it's too disheartening.
but their compensation is as obscene as with other corporations.

[Danzig]

Originally Posted by Rupert Pupkin

Do you know what Politifact.com called the biggest lie of the entire year? They called Obama's claim of "If you like your health care plan, you can keep it" as the biggest lie of the year. There is nothing for you to defend. It was a huge lie. You can try to spin and twist it any way you like, but it's not going to work. It was a total lie.

The plan I had did not meet the requirements of the ACA, so Anthem had to cancel the plan.

http://www.politifact.com/truth-o-me...-plan-keep-it/

no, they could have fixed the plan, made it match the minimum requirements.

[Rupert Pupkin]

Originally Posted by Danzig

no, they could have fixed the plan, made it match the minimum requirements.

If they fix a plan, it is still a new plan. When a plan is changed, it gets a new title and a new ID number. That is basically what they did. They changed all their plans to fit the minimum requirements.

I have been with Anthem for well over 15 years. Everything was alright until the last 5-6 years. Back in 2005 I was paying around $250 a month. I had about a $2,500 deductible. Starting in about 2008, they started raising the premium pretty much every year. It went up to $300, then $350, then $410, then $470, and finally $520 in about 2011 or 2012. I finally called them and said, "This is ridiculous. You keep raising my premiums by crazy amounts. I can't afford $520 a month. Don't you have a cheap plan with a really high deductible?"

It turns out they did. They gave me a plan with a $8,800 deductible that was only $210 a month. I was thrilled. But after the ACA passed, they switched me to another plan that was $320 a month this past year. Now this year they raised it to $367 a month. I think this might be the first year that it is an EPO. I didn't even realize it was an EPO until I went to the doctor a couple of weeks ago and they told me that I have an EPO, not a PPO, and they don't take EPOs. Then I called my internist's office to ask them if they take EPOs. They said, "No." So now I don't have any doctors that take my insurance.

[Sightseek]

Originally Posted by Rupert Pupkin

If they fix a plan, it is still a new plan. When a plan is changed, it gets a new title and a new ID number. That is basically what they did. They changed all their plans to fit the minimum requirements.

I have been with Anthem for well over 15 years. Everything was alright until the last 5-6 years. Back in 2005 I was paying around $250 a month. I had about a $2,500 deductible. Starting in about 2008, they started raising the premium pretty much every year. It went up to $300, then $350, then $410, then $470, and finally $520 in about 2011 or 2012. I finally called them and said, "This is ridiculous. You keep raising my premiums by crazy amounts. I can't afford $520 a month. Don't you have a cheap plan with a really high deductible?"

It turns out they did. They gave me a plan with a $8,800 deductible that was only $210 a month. I was thrilled. But after the ACA passed, they switched me to another plan that was $320 a month this past year. Now this year they raised it to $367 a month. I think this might be the first year that it is an EPO. I didn't even realize it was an EPO until I went to the doctor a couple of weeks ago and they told me that I have an EPO, not a PPO, and they don't take EPOs. Then I called my internist's office to ask them if they take EPOs. They said, "No." So now I don't have any doctors that take my insurance.

Well lucky for you, enrollment is still open and there ARE PPOs available.

[Rupert Pupkin]

Originally Posted by Sightseek

Well lucky for you, enrollment is still open and there ARE PPOs available.

I don't want to pay $600 a month. Does Anthem or any other company have a PPO that is affordable? I talked to Anthem on Wednesday and complained to them about my doctors not taking the EPO. The guy didn't mention anything to me about them having a PPO that I could switch to.

Switching to a PPO with a different company won't do me any good unless my doctors take the PPO. I know they take PPOs from Anthem. My internist's office told me that they take a company called Assurant. That could be an option but I don't know if I would want to switch to that if nobody else takes it. I don't know if Cedars takes Assurant.

[jms62]

Originally Posted by Rupert Pupkin

I don't want to pay $600 a month. Does Anthem or any other company have a PPO that is affordable? I talked to Anthem on Wednesday and complained to them about my doctors not taking the EPO. The guy didn't mention anything to me about them having a PPO that I could switch to.

Switching to a PPO with a different company won't do me any good unless my doctors take the PPO. I know they take PPOs from Anthem. My internist's office told me that they take a company called Assurant. That could be an option but I don't know if I would want to switch to that if nobody else takes it. I don't know if Cedars takes Assurant.

Then don't get old so you don't need to visit specialists. Really that simple Rupe. I really want to pay $125 that I paid when I was 25 years old but that doesn't seem in the cards. At least now your Health Care Provider won't boot you to the curb when you actually need them to start paying which may be sooner than later for you Rupe. So your rates started going up 5-6 years ago in 2008? You need to break out your calculator Rupe that was 7 years ago and while you have your calculator out you need to Google the ACA timeline and who was president in 2008. ACA was the fall guy for Healthcare CEO's making boatloads of money. This chart and the timeline clearly shows who the WINNERS are and include those politicians from BOTH parties whom they donated to in order to keep up this false war on ACA to keep those too lazy or not bright enough to see through the charade.


http://finance.yahoo.com/echarts?s=U...22linear%22%7D

[Sightseek]

Originally Posted by Rupert Pupkin

I don't want to pay $600 a month. Does Anthem or any other company have a PPO that is affordable? I talked to Anthem on Wednesday and complained to them about my doctors not taking the EPO. The guy didn't mention anything to me about them having a PPO that I could switch to.

Switching to a PPO with a different company won't do me any good unless my doctors take the PPO. I know they take PPOs from Anthem. My internist's office told me that they take a company called Assurant. That could be an option but I don't know if I would want to switch to that if nobody else takes it. I don't know if Cedars takes Assurant.

There is this lovely thing called the internet that will reveal these answers to you. If I can do it, while still recovering from my accident and neurosurgery, surely you can.

[Rupert Pupkin]

Originally Posted by jms62

Then don't get old so you don't need to visit specialists. Really that simple Rupe. I really want to pay $125 that I paid when I was 25 years old but that doesn't seem in the cards. At least now your Health Care Provider won't boot you to the curb when you actually need them to start paying which may be sooner than later for you Rupe. So your rates started going up 5-6 years ago in 2008? You need to break out your calculator Rupe that was 7 years ago and while you have your calculator out you need to Google the ACA timeline and who was president in 2008. ACA was the fall guy for Healthcare CEO's making boatloads of money. This chart and the timeline clearly shows who the WINNERS are and include those politicians from BOTH parties whom they donated to in order to keep up this false war on ACA to keep those too lazy or not bright enough to see through the charade.


http://finance.yahoo.com/echarts?s=U...22linear%22%7D

I'm not claiming that the system was great before. For a while my rates were getting raised by 15-20% a year well before Obamacare. That should be illegal for them to raise a person's rates that dramatically. I was foolish at the time not to do my homework. I actually paid $520 a month for that final year of my old policy before finally calling Anthem and asking if they had something cheaper. The reason I didn't call them sooner was because I had always heard that Anthem's prices were very competitive and very reasonable and I just assumed that $520 a month was the going rate at the time. I was actually shocked when I found out I could get a policy with them for $210 a month.

Anyway, my whole point is not that the system was great before. My point was simply that that Obama totally mislead people about what was going to happen under ACA. He never said that rates would go way up in many states and that many people would not only not get to keep their doctors, they would also have to get new plans. I finally had a plan that I was happy with, that was only $210 a month and almost all my doctors were taking it. Now I have a plan that is $367 a month that none of my doctors take.

I'm not claiming that ACA is bad for everyone. It is actually very good for some people and there are certain things that I like about it. But I think it was totally wrong the way we were lied to about it. Obama should have told us the good and the bad and then let people decide whether they would support it or not. It would have never passed had he been totally honest about it.

As I said before, I don't think the old system was great. I think reform was needed. But I think the ACA went way too far and has had very negative consequences for a lot of people. It has obviously helped some people too.

[jms62]

Originally Posted by Rupert Pupkin

I'm not claiming that the system was great before. For a while my rates were getting raised by 15-20% a year well before Obamacare. That should be illegal for them to raise a person's rates that dramatically. I was foolish at the time not to do my homework. I actually paid $520 a month for that final year of my old policy before finally calling Anthem and asking if they had something cheaper. The reason I didn't call them sooner was because I had always heard that Anthem's prices were very competitive and very reasonable and I just assumed that $520 a month was the going rate at the time. I was actually shocked when I found out I could get a policy with them for $210 a month.

Anyway, my whole point is not that the system was great before. My point was simply that that Obama totally mislead people about what was going to happen under ACA. He never said that rates would go way up in many states and that many people would not only not get to keep their doctors, they would also have to get new plans. I finally had a plan that I was happy with, that was only $210 a month and almost all my doctors were taking it. Now I have a plan that is $367 a month that none of my doctors take.

I'm not claiming that ACA is bad for everyone. It is actually very good for some people and there are certain things that I like about it. But I think it was totally wrong the way we were lied to about it. Obama should have told us the good and the bad and then let people decide whether they would support it or not. It would have never passed had he been totally honest about it.

As I said before, I don't think the old system was great. I think reform was needed. But I think the ACA went way too far and has had very negative consequences for a lot of people. It has obviously helped some people too.

Business or Life doesn't happen in a vacuum Rupe. It is fluid what I say TODAY based upon all the intelligence I have may not be valid 2 days from now but hey I get it you hate Obama.

[Rupert Pupkin]

Originally Posted by jms62

Business or Life doesn't happen in a vacuum Rupe. It is fluid what I say TODAY based upon all the intelligence I have may not be valid 2 days from now but hey I get it you hate Obama.

They mislead people on purpose. The architect of Obamacare admitted it:

http://townhall.com/tipsheet/katiepa...eople-n1916605

By the way, you have it backwards with regard to my views about Obama. You think I criticize Obama's performance because I don't like him. It is the opposite. I don't like Obama because he does a poor job. I'm not stubborn with these types of things. For example, there was a woman running for president of my homeowner's association that I did not vote for. I absolutely did not want her to win. She ended up winning and I was very disappointed. I thought she would do a lousy job. Anyway, I ended up being pretty pleased with the job she did. She wasn't prefect but overall she was pretty good. I ended up voting for her in the next election. If someone does a good job, I'm going to give them credit, regardless of whether I voted for them and regardless of whether I had a negative opinion of them going in.

With regards to Obama and the ACA, I agree with you that there were some things that they didn't necessarily lie about. They just didn't foresee some of the things that would happen. But when you have a plan, you are supposed to be able to foresee obvious unintentional consequences. It's not as if the critics didn't predict these things. Most of the negative things that have happened as a result of ACA were not hard to foresee. It was incompetence on Obama's part to be so ignorant about what the consequences of his plan would be.

I agree with you that if you make a sound decision based on good intelligence that you had at the time you made the decision, then I'm not going to criticize you if you end up with a bad result. But with regard to Obama and the ACA, the whole thing was simply not well thought out, not to mention the parts that they intentionally mislead people about.

[Rupert Pupkin]

Originally Posted by jms62

Business or Life doesn't happen in a vacuum Rupe. It is fluid what I say TODAY based upon all the intelligence I have may not be valid 2 days from now but hey I get it you hate Obama.

Just to refresh your memory, they intentionally lied. NBC News reported it:

"The Obama administration has known for at least three years that millions of Americans would not be able to keep their current health care plans, despite repeated promises to the contrary made by President Barack Obama, NBC News reports, citing sources “deeply involved” in Obamacare."

http://www.theblaze.com/stories/2013...sed-it-anyway/

This isn't a lie like, "I didn't have sex with that woman". This is a major lie that was going have major implications on the lives of millions of Americans. How can anyone defend that?

[GPK]

I know how lucky i am in regards to insurance. $32 a month covers myself and my daughter.

[Danzig]

Originally Posted by Rupert Pupkin

Just to refresh your memory, they intentionally lied. NBC News reported it:

"The Obama administration has known for at least three years that millions of Americans would not be able to keep their current health care plans, despite repeated promises to the contrary made by President Barack Obama, NBC News reports, citing sources “deeply involved” in Obamacare."

http://www.theblaze.com/stories/2013...sed-it-anyway/

This isn't a lie like, "I didn't have sex with that woman". This is a major lie that was going have major implications on the lives of millions of Americans. How can anyone defend that?

to clarify...policies in effect when ACA was passed could be grandfathered in. so, if your insurance company opted to cancel, that's on your company, not obama.
if your plan wasn't offered til after the ACA was passed, then it could not be grandfathered obviously.

[Rupert Pupkin]

Originally Posted by Danzig

to clarify...policies in effect when ACA was passed could be grandfathered in. so, if your insurance company opted to cancel, that's on your company, not obama.
if your plan wasn't offered til after the ACA was passed, then it could not be grandfathered obviously.

To clarify, Obama kept announcing that if you liked your policy, you could keep it. He kept announcing that even though he knew it wasn't true. He knew that millions of people were going to get cancellation notices.

To clarify about being grandfathered, "The law states that policies in effect as of March 23, 2010 will be “grandfathered,” meaning consumers can keep those policies even though they don’t meet requirements of the new health care law. But the Department of Health and Human Services then wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date — the deductible, co-pay, or benefits, for example — THE POLICY WOULD NOT BE GRANDFATHERED."

[Danzig]

Originally Posted by Rupert Pupkin

To clarify, Obama kept announcing that if you liked your policy, you could keep it. He kept announcing that even though he knew it wasn't true. He knew that millions of people were going to get cancellation notices.

To clarify about being grandfathered, "The law states that policies in effect as of March 23, 2010 will be “grandfathered,” meaning consumers can keep those policies even though they don’t meet requirements of the new health care law. But the Department of Health and Human Services then wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date — the deductible, co-pay, or benefits, for example — THE POLICY WOULD NOT BE GRANDFATHERED."

sorry. you're blaming the wrong people.
i guess back in the day, you'd have been complaining when seat belts got forced into autos.
he didn't make them get rid of those policies, they opted to do so. so, i guess he should have said if you like your plan you can keep it as long as your health care co will keep it on the books.
it was anthems call, not obamas

[Rupert Pupkin]

Originally Posted by Danzig

sorry. you're blaming the wrong people.
i guess back in the day, you'd have been complaining when seat belts got forced into autos.
he didn't make them get rid of those policies, they opted to do so. so, i guess he should have said if you like your plan you can keep it as long as your health care co will keep it on the books.
it was anthems call, not obamas

First of all, that is not true. The Department of Health and Human Services made it so that if any significant part of an insurance policy was changed, even if it was just the deductible or co-pay, the policy would not be grandfathered. So right there we know millions of policies won't be grandfathered.

You are right that Obama should have said that there is a very good chance you will not be able to keep your plan because those plans will be cancelled. As the NBC investigation found, the Obama Administration knew that millions of people's policies would be cancelled, yet he kept saying in his speeches that you will be able to keep your policy.

I don't know what we're arguing about. Obama got "Lie of the Year" from Politifact over this. And NBC News did a big story about how Obama intentionally lied. Did you read the article? Maybe you missed this part:

"Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”

"That means the administration knew that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them."

"Yet President Obama, who had promised in 2009, “if you like your health plan, you will be able to keep your health plan,” was still saying in 2012, “If [you] already have health insurance, you will keep your health insurance.” "

"Robert Laszewski, a consultant with Health Policy and Strategy Associates, told NBC News that the administration repeatedly made a promise that officials knew couldn’t be honored."

[Danzig]

no, you're right. health care was all just fine til obama came along and lied, and made those sweet, angelic health insurers change their oh so wonderful plans that covered everything.

[Pants II]

Originally Posted by Danzig

no, you're right. health care was all just fine til obama came along and lied, and made those sweet, angelic health insurers change their oh so wonderful plans that covered everything.

Yes being taxed an extra 1% of my income so useless eaters can have subsidized coverage is great and fair.

Hail Obama and Arkansas democrats acting as independents.

[dellinger63]

Originally Posted by Pants II

Hail Obama and Arkansas democrats acting as independents.

And the Cuban Health Care system!!!

Finally, with the lifting of the travel embargo, some Americans might have access.

F#$k the Mayo and Cleveland Clinics.