Derby Trail Forums

Go Back   Derby Trail Forums > The Steve Dellinger Discourse Den
Register FAQ Members List Calendar Search Today's Posts Mark Forums Read

Reply
 
Thread Tools Display Modes
  #1  
Old 09-23-2010, 04:18 PM
Gaelic Storm's Avatar
Gaelic Storm Gaelic Storm is offline
Bowie
 
Join Date: Feb 2008
Location: Albany, NY
Posts: 224
Default

Quote:
Originally Posted by Antitrust32 View Post
Once people get details of their 2011 Insurance Plans from their employers.

Absolutely fucl<ing terrible.

I thought my insurance was bad this year.

They went from giving us 3 options to only 1 option this year.

They elimintated the plans that actually covered shi.t because of a fucl<ing Cadillac Tax (believe me.. these "top shelf" programs are no cadillac's.. maybe a fucl<ing Kia at best)

doubled the deductable.

doubled the out of pocket maximum.

If you have a spouse / child? forgettaboutit

Its basically a plan that will be beneficial to no one except for maybe 2% of the employees in this company made up of 8,000.

Thank you Mr. Fucl<ing President. & GFY congress.

I'd be really surprised if United Healthcare is the only insurance company out there bending the working public over like this.

And good luck to any responsible working folks out there who ever plan on starting a family!
Do you have an HRA and an FSA/HSA?
Reply With Quote
  #2  
Old 09-23-2010, 04:20 PM
Antitrust32 Antitrust32 is offline
Jerome Park
 
Join Date: May 2006
Location: Ft Lauderdale
Posts: 9,413
Default

Quote:
Originally Posted by Gaelic Storm View Post
Do you have an HRA and an FSA/HSA?
had a HRA.. they will not offer an HRA plan this year. Only one HSA plan with a 2400 deductable (for 1 individual.. families are screwed). and a very high out of pocket max. & their match for the FSA is crap.
__________________
Quote:
Originally Posted by Riot View Post
Can I start just making stuff up out of thin air, too?
Reply With Quote
  #3  
Old 09-23-2010, 04:21 PM
randallscott35's Avatar
randallscott35 randallscott35 is offline
Idlewild Airport
 
Join Date: May 2006
Location: USA
Posts: 9,687
Default

Most presidents get reelected. People, like many on this board, have trouble admitting they made a mistake.
Reply With Quote
  #4  
Old 09-23-2010, 04:23 PM
clyde's Avatar
clyde clyde is offline
Saratoga
 
Join Date: Sep 2009
Location: Welsh Pride!
Posts: 13,837
Default

I don't.

I voted for Bush twice...but am not so sure he was the worst choice.
Reply With Quote
  #5  
Old 09-23-2010, 04:26 PM
Antitrust32 Antitrust32 is offline
Jerome Park
 
Join Date: May 2006
Location: Ft Lauderdale
Posts: 9,413
Default

Dems are really screwed in November if the insurance companies get this info out to the workforce before elections.

shoot the crazy lady in deleware may have a real shot.

it sucks the alternative has to be crazy religious people who think they are holier than thou.

Where are the damn libertarians at??
__________________
Quote:
Originally Posted by Riot View Post
Can I start just making stuff up out of thin air, too?
Reply With Quote
  #6  
Old 09-23-2010, 04:30 PM
Riot's Avatar
Riot Riot is offline
Keeneland
 
Join Date: Mar 2007
Posts: 14,153
Default Sound like a good start to me

Major new health reform benefits take effect today to help keep health insurance companies accountable, lower health care costs, guarantee more health care choices, and enhance the quality of health care for all Americans.

Starting today, insurers will be required to:

* Keep you covered when you get sick: Simple mistakes or typos will no longer be grounds for insurance companies to cancel your insurance.

* Cover kids with pre-existing conditions: Your kids can no longer be denied health coverage just because they have a pre-existing condition like hay fever, asthma, or previous sports injuries. This protection extends to all plans, except "grandfathered" plans in the individual market.

* Allow young adults to stay on their parents' plan up to age 26: Even if their first few jobs don't provide health benefits, your kids can still remain covered by your insurance.

* Remove lifetime limits: You will no longer need to worry about your health insurer limiting the amount of coverage available through their plan if you face an expensive medical condition. This will help Americans who develop chronic conditions from taking drastic measures to avoid medical bankruptcy
.
* Phase out annual limits: Many plans include annual dollar limits on how much medical coverage can be obtained per year. On all non-"grandfathered" plans in the individual market, these limits will be phased out over the next three years.

For any insurance plan that goes into effect after September 23, 2010, your insurance company must:

* Pay for preventive care like mammograms and immunizations: Addressing problems before they start can help keep you healthier, and new insurance plans will now cover many preventative tests and immunizations without any copayment.

* Give you a better appeals process for insurance claims: Now you'll have a guaranteed and fair path to help you receive the benefits you paid for if insurance companies deny your claim.

* Let you choose your own doctor: Health reform makes it clear that you can choose any available participating primary care provider as your provider, and any available participating pediatrician to be your child's primary care provider.

* Provide easier access to OB-GYN services: Women will no longer be required to have a referral from a primary care provider before seeking coverage for obstetrical or gynecological (OB-GYN) care from a participating OB-GYN specialist.

* Allow you to use the nearest emergency room without penalty: If an emergency arises while you're away, you will no longer have to drive home to your in-network provider to receive in-network benefits.

Many other new benefits of the law have already taken effect, including rebate checks for seniors in the donut hole and tax credits for small businesses. Keep watching, as more rights, protections and benefits for Americans are on the way now through 2014.

To learn more about how health care reform is helping you, visit healthcare.gov.
__________________
"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
Reply With Quote
  #7  
Old 09-23-2010, 04:34 PM
Antitrust32 Antitrust32 is offline
Jerome Park
 
Join Date: May 2006
Location: Ft Lauderdale
Posts: 9,413
Default

Where is the website where you can learn how Health Care Reform is fucl<ing you?

only you would bust out a post like that.

Sure the things you listed are not bad.

Its the other 2,000 pages of the fucl<ing reform bill that are horrible.
__________________
Quote:
Originally Posted by Riot View Post
Can I start just making stuff up out of thin air, too?
Reply With Quote
  #8  
Old 09-23-2010, 04:50 PM
Nascar1966 Nascar1966 is offline
Fairgrounds
 
Join Date: Oct 2006
Posts: 1,626
Default

Quote:
Originally Posted by randallscott35 View Post
Most presidents get reelected. People, like many on this board, have trouble admitting they made a mistake.
Trust I didn't make a mistake on who I voted for. Problem was that the person I voted for didn't get the majority.
Reply With Quote
  #9  
Old 09-23-2010, 05:27 PM
Dahoss Dahoss is offline
Keeneland
 
Join Date: Jul 2010
Posts: 10,293
Default

Quote:
Originally Posted by Nascar1966 View Post
Trust I didn't make a mistake on who I voted for. Problem was that the person I voted for didn't get the majority.
Have you ever seen the movie Groundhog Day?
Reply With Quote
  #10  
Old 09-23-2010, 05:33 PM
Antitrust32 Antitrust32 is offline
Jerome Park
 
Join Date: May 2006
Location: Ft Lauderdale
Posts: 9,413
Default

dammit I had a whole thing typed out from the pdf they sent us but closed out DT.

Was basically : Heres all the good changes from the health reform bill, HOWEVER, you all have to pay for it and there will be 11% increase in premium.

Also we are eliminating the two better plans because of a Cadillac tax that will come about in 2018.



Really... how can the crap plan I had this year (the 2nd best plan) be considered a Cadillac? Are Cadillacs the new Ford Taurus?
__________________
Quote:
Originally Posted by Riot View Post
Can I start just making stuff up out of thin air, too?
Reply With Quote
  #11  
Old 09-23-2010, 05:38 PM
Riot's Avatar
Riot Riot is offline
Keeneland
 
Join Date: Mar 2007
Posts: 14,153
Default

So your employer isn't picking up an 11% increase in premium, they are dumping it on you. Thank them for that.

10-20% annual increases have been the norm the past 5 years or so with insurance companies, that is what has been fueling their record profits. Seems your healthcare provider is still right there. HCR shouldn't make insurance premiums go up more than 1-2%.

And they are dumping a plan because of something that will happen in 2018? Eight years from now?

You're getting screwed, but it's not by Obama.
__________________
"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
Reply With Quote
  #12  
Old 09-24-2010, 06:07 AM
Nascar1966 Nascar1966 is offline
Fairgrounds
 
Join Date: Oct 2006
Posts: 1,626
Default

Quote:
Originally Posted by Dahoss View Post
Have you ever seen the movie Groundhog Day?
How can someone forget about a movie with Bill Murray in it?
Reply With Quote
Reply


Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -5. The time now is 06:31 AM.


Powered by vBulletin® Version 3.6.8
Copyright ©2000 - 2026, Jelsoft Enterprises Ltd.