Signed, sealed, delivered! Who else has a new health insurance policy?

[LexusLover]

Originally Posted by gnadfly

... co-pay are same, although co-pays have gone up the last two years in a row.

... carriers have been hedging for the "open enrollment" .. also ..

do you have the same provider selections?

[gnadfly]

Are you asking if I get to keep my doctor, Lex? If so, the answer is that nothing indicates otherwise. I see the bastard about once every two years. If you are asking if I have the same type policy, again it appears so.

[LexusLover]

Originally Posted by gnadfly

Are you asking if I get to keep my doctor, Lex? If so, the answer is that nothing indicates otherwise. I see the bastard about once every two years. If you are asking if I have the same type policy, again it appears so.

Some are dropping off and some will drop off. I ran into that last year and was informed to check this year, although my PCP and Specialists selections will not change so I'm ok.

Copays and deductibles are slightly higher, but I am concerned about "medical savings" plans being eliminated as cost cutter. I moved away from the street corner pharmacy and get mail order ... has reduced costs and copays. IMO I can control medical expenses by maintaining a healthier lifestyle and keeping up with vitamins on a daily basis.

[Adabear]

I think this healthcare plan is a horrible idea but, trying to stay open minded, I checked it out. Here are my actual results minus any person info. I think this is all the detail that is needed for a fair comparison.

I am 30-40 years of age
no preexisting conditions
currently covered through a decent plan at work
I make too much to be qualified for any subsidy

Current through work
BC/BS
1500 deductable
I pay about $40 a month. Adding in the employer contribution, my policy is about $107 total
copay is $15


I was offered many plans but, I will list the cheapest and most expensive

ACA - Bronze
BC/BS
$5000 deductible
$198.18 per month
copay is $14

ACA - Platinum
Humana
0 deductable
$365.20 per month
copay is $25

All that said, I would take a large hit. I am staying with my employer. The truth is that some will do well (preexisting conditons), some will do ok (subsidies will really help), and some (like me) get screwed.

Based on these FACTS, it is not a good plan for me. Based on the subsidies, it is good for many but, it will cost us a ton. Based on someone with preexisting conditions, it is great.

All in all.....I would say it is bad for America as a whole. While many may get insurance that did not have it, it is going to be very costly. I do not believe this is the way to go.

[CJ7]

Originally Posted by Adabear

I think this healthcare plan is a horrible idea but, trying to stay open minded, I checked it out. Here are my actual results minus any person info. I think this is all the detail that is needed for a fair comparison.

I am 30-40 years of age
no preexisting conditions
currently covered through a decent plan at work
I make too much to be qualified for any subsidy

Current through work
BC/BS
1500 deductable
I pay about $40 a month. Adding in the employer contribution, my policy is about $107 total
copay is $15


I was offered many plans but, I will list the cheapest and most expensive

ACA - Bronze
BC/BS
$5000 deductible
$198.18 per month
copay is $14

ACA - Platinum
Humana
0 deductable
$365.20 per month
copay is $25

All that said, I would take a large hit. I am staying with my employer. The truth is that some will do well (preexisting conditons), some will do ok (subsidies will really help), and some (like me) get screwed.

Based on these FACTS, it is not a good plan for me. Based on the subsidies, it is good for many but, it will cost us a ton. Based on someone with preexisting conditions, it is great.

All in all.....I would say it is bad for America as a whole. While many may get insurance that did not have it, it is going to be very costly. I do not believe this is the way to go.

thanks for the input ..

that's pretty much the idea... stay where you are, or switch IF you have an opportunity to better your plan for the same or less $$

pretty easy to better yourself if you don't have any insurance ... the other part of the plan

[Yssup Rider]

Amen. Lots of carping by people who already have good group benefits and won't use the program at all.

But people don't seem to get the blood out of their eyes long enough to look at their options.

Some people HAVE no options.

Fuck them, right boys?

[Jackie S]

Originally Posted by Adabear

I think this healthcare plan is a horrible idea but, trying to stay open minded, I checked it out. Here are my actual results minus any person info. I think this is all the detail that is needed for a fair comparison.

I am 30-40 years of age
no preexisting conditions
currently covered through a decent plan at work
I make too much to be qualified for any subsidy

Current through work
BC/BS
1500 deductable
I pay about $40 a month. Adding in the employer contribution, my policy is about $107 total
copay is $15


I was offered many plans but, I will list the cheapest and most expensive

ACA - Bronze
BC/BS
$5000 deductible
$198.18 per month
copay is $14

ACA - Platinum
Humana
0 deductable
$365.20 per month
copay is $25

All that said, I would take a large hit. I am staying with my employer. The truth is that some will do well (preexisting conditons), some will do ok (subsidies will really help), and some (like me) get screwed.

Based on these FACTS, it is not a good plan for me. Based on the subsidies, it is good for many but, it will cost us a ton. Based on someone with preexisting conditions, it is great.

All in all.....I would say it is bad for America as a whole. While many may get insurance that did not have it, it is going to be very costly. I do not believe this is the way to go.

The only problem with this approach is if the employer ( under 50 full time workers), decides to stop offering a health care plan and just let's all of the employs go to the exchanges.

You must work for a large company, because our plan cost no less than $450 a month for each of our employees. But it is very good, low deductible, low copay.

[CuteOldGuy]

Hey, Fluffy! How many of those 30 million people WANT insurance?

[Whirlaway]

Dummy............big business is exempted for a year; group plans will be subject to the same requirements as individual plans are now......AdaBear"s (and others) plans will go up when the exemption expires !

You really don't know what you are talking about do you ?

Originally Posted by CJ7

thanks for the input ..

that's pretty much the idea... stay where you are, or switch IF you have an opportunity to better your plan for the same or less $$

pretty easy to better yourself if you don't have any insurance ... the other part of the plan

[CJ7]

Originally Posted by Whirlaway

Dummy............big business is exempted for a year; group plans will be subject to the same requirements as individual plans are now......AdaBear"s (and others) plans will go up when the exemption expires !

You really don't know what you are talking about do you ?

group plans = individual plans


Tax Credits
By providing healthcare to employees, there are between 1.4 and 4 million businesses with fewer than25 employees and average salaries of $50,000 or less that are already eligible for tax credits of up to 35 percent. After January 1, 2014, the credit increases to 50 percent and will be available for any two consecutive years.


EXACTLY THE SAME ... only 100% different.

[Whirlaway]

You are dodging; AdaBear has a company policy which is NOT required to meet Obamacare requirements; when his exemption expires, his premiums will go up.....this is the ticking time bomb.......

[CJ7]

Originally Posted by Whirlaway

You are dodging; AdaBear has a company policy which is NOT required to meet Obamacare requirements; when his exemption expires, his premiums will go up.....this is the ticking time bomb.......

so quit dodging the FACT you're a moron

insurance premiums have been on a rapid rise since 2002,, no AHCA needed.

now go try and convince some idiot they haven't.

[Yssup Rider]

he can't help it. I hear Obama will come out in favor of not killing yourself next week.

whatever will the dipshits do?

[CJ7]

Originally Posted by Yssup Rider

he can't help it. I hear Obama will come out in favor of not killing yourself next week.

whatever will the dipshits do?

cut off their dicks

[nwarounder]

So to answer the original question posed by the OP, 1.