Shoot me a pm with your email address. OMG, they stink. So what, the poor get a subsidy... if they get sick they have huge out of pocket expenses they can't pay. Zero progress. 80% of America does not want this. Subsidies do not pay for out of pocket medical, they only help with premiums. And then there is the tax year consolidation with any subsidy received. How many are going to be hit with tax bills because their income increased or was reported incorrectly... :banghead
it is nice to hear someones input from the insurance end of it for a change. thanks for the report.
It is not going to be pretty. It is so ugly, the ones that wrote it, passed it (shoved it down America's throat) have excluded themselves from it. It is a slippery slope from here, ladies and gentlemen, very slippery and steep.
So you're saying the only way for me to get out of this is to run for office.Quote:
Originally Posted by kcbrown
I hear ya!!!!!
Just heard on the news that Home Depot is going to cut back on there health care because of Obama care.
Got the Coventry Health Care plans in hand today. They look a little better. More problems uncovered at the same time. The subsidy only applies to those that make 100-400% of the federal poverty level. That is great. The problem is with Missouri and Kansas, they refused, rightly so, to expand Medicaid to 133% of the FPL. So if someone is over 18% of the fpl, the cutoff for one to bre Medicaid eligible, but below 100% of the fpl, they get NO subsidy and will still be unable to afford health insurance. To summarize that: up to 18% you get Medicaid, 19-100% you get screwed, over 100% you get most if not all of your premiums paid and possibly some cost sharing reductions.
Mark, Some companies cutting out healthcare all together or not offering it to family units is actually doing a good service to those in low paying retail type jobs. If you worked at Home Depot, for example, and they made the options available that you could add Barb to your health insurance, chances are you couldn't afford to pay 100% of her cost to insure her on the group plan. Since employer group coverage is "available" to her, she would not be eligible for a subsidy. By Home Depot cutting the availability of spouses to be added to employees coverage they actually make them eligible for financial aid in the form of the subsidy.
My wife works for a major employer in the Memphis area. I'm covered under her plan. Our benefits have changed dramatically with all this stuff going on. They had big meetings with everyone and tried to explain all the changes. Basically what it boiled down to was if they didn't reduce their benefits to employees to get more in line with the governments plan they would have to pay enormous fines to the Gov.
The next thing that is going to happen since they are starting to show your health ins benefit as a dollar amount on your W2 is you will be being taxed on that amount as income. May take them a while but it's going to happen. Thanks for sharing your info.
Cray, you are exactly right. It is going to happen. Take disability insurance or life insurance as an example. If you buy those products at work, payroll deduct the premium, if you file a claim, since you paid the premium, the benefit is tax free. That is why you never want employer provided life or disability insurance where they pay the premium, you'll pay tax at a tough time in your life. What is going to happen, not may happen, but will happen, is every dollar your health insurer pays in benefit for you will be reported and you will pay tax, much the say you would on disability insurance provided in full by your company. Slippery slop, ladies and gentlemen, slippery and steep. There is no reverse on this train.
Real life example of what ObamaCare means. Lisa is 51, I am 47, she has a $2500 ded 100% plan with Coventry, I have a $1500 ded 90/10 plan with a $2500 max out of pocket with BCBS. We pay about $550/mo and have been buying our own insurance for years, me for over 15 years. If we had to buy health insurance on the Marketplace today, we couldn't get the same plans, they are not allowed. They have too low of out of pocket. The closest plan to ours, double the out of pocket, is over $800/mo. Oh, but we have children's dental, maternity, and other EHB's (essential health benefits) they thought we should have, but will never use, and pay for all the same. Next stop, socialized medicine.
affordable is what i kelp hearing. Looks like its going to double...
Its funny that all that supported this cluster c**** regime and ideas now wont say a word, or they want to be exempt from this....Here's to your hope and change!!!!:cheers2
I think we need to have a lock out on Obama and his buds once this is over with!
Another real life example. 62f, just out of range of any subsidy, so she isn't rich by any means. Today and up to 12/15 effective dates, she can have a plan with a $2500 ded 100% plan for around $290/mo all the way through 2014. Wait for ACA? She can find a max out of pocket of $4500 for $710/mo.
The low information voters who were tricked by santa claus and all his elves, along with the rest of us that knew better. We are going to take it so far up the kazoo on this disaster. All for what?????? Paying for too many dead beats and entitlement enriched voters.
Wolfman would you like some crackers with all that WHINE !!!!!!!!!!!!!!! Like before this is a fishing site not political site!!!!!!!!!!!!!!
I'd rather not turn this into a political thread. It is a reality to the consumer thread about the situation that is being forced upon the American people that are not lucky enough to belong to a union or other excluded group. Will the ACA do some good? Sure it will. Will it do some harm? That is obvious as well.
Did I hit a nerve? Like its says "Off Topic" If you want to read about fishing go to the fishing forum.Quote:
Originally Posted by got crappie
My apologies to kcbrown, Didn't mean to hijack your thread. Keep up the good work on this.
i got a headacke from reading this is that coverd???
Yes, it is actually a side effect of the ACA, so it will be a covered treatment after a six months wait, you will need to make sure you have two or more illnesses or symptoms before scheduling an appointment or try to share an appointment with a friend or stranger in the waiting room. The gov. appointed healthcare professional will suggest a reasonable course of action.
No nerve just respect for Slab that has said no politics on this forum he wants you to go to the main board forum. If you don't like it , talk to the moderatorsQuote:
Originally Posted by wolfmanjack051
I'm with Dave on this one...enough is enough. Unless the ACA is going to somehow affect the health and welfare of the crappie population, choose a different venue.Quote:
Originally Posted by got crappie
So, What you saying. We should keep paying Politicans health care, and keep sending Boo Koo's of money over sea's to foreigners, instead of helping out or own people that take care of them. I got ya.
Ok, this thread is off track and off what I intended. Sorry to Slab. Close or delete at will. I had a glimmer of hope on the ACA plans, but it looks like it will have little good effect on the whole reason they pushed it through against the will of the people. No matter what you think or how you vote, if one looks back at the way this law was written, the way it was passed and the acclaimed goal of what they intended to accomplish, just look back in time and remember those goals when at the end of the first enrollment season we have gained little and it has cost us much.