Anyone's Health Insurance going up?

UKJon_in_tn

New member
May 26, 2002
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I see were so many say that Obama Care is going down the tubes so I was wondering if people's premiums actually went down with the same coverage amounts as before the Feds got involved.
My premiums went from $140 a paycheck (26) to $0 last July, however my deductible went from 4,000 to 8,000. I pay all doctor bills as I now have no co-pay and prescriptions aren't covered. However, once I hit $8,000 (which I am about to do) all expenses are covered 100% even prescriptions. Sounds like a good plan unless you have a big occurrence like I did.

The hits keep hitting this year....

UKJon

4 UK in tn
 
May 2, 2004
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My premiums went from $140 a paycheck (26) to $0 last July, however my deductible went from 4,000 to 8,000. I pay all doctor bills as I now have no co-pay and prescriptions aren't covered. However, once I hit $8,000 (which I am about to do) all expenses are covered 100% even prescriptions. Sounds like a good plan unless you have a big occurrence like I did.

The hits keep hitting this year....

UKJon

4 UK in tn
Sounds like a great plan. Most of us pay close to $8k per year in premiums alone, not counting deductibles and copays. Would you rather be guaranteed to pay that $8k with a strong possibility of paying deductibles also, or have what you've got, where you could pay a minimum of $0 and an absolute max of $8k?

Out of touch.
 

gamecockcat

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Oct 29, 2004
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Those must be Glen Beck numbers. Actually as of last year the number is 17 million people who got coverage under the new system:

The numbers I cited were (from memory) from an article I read from the NY Times. Basically said something like 38 million were without insurance pre-Ocare and now there are 35 million without. Truthfully, I may be 'misremembering' and the original number may have been 48 million. I think the 17 million is total number of enrolled in Ocare but does not account for those who had insurance prior to the bill's passage, lost it and then signed up for the ACA. From the article I read, more than half of the newly insured are insured through employer plans, i.e., the economy has recovered enough for folks to find jobs that pay for coverage. Not sure how Ocare can take credit for that but whatever. More than half of the remainder are due to expansion of Medicaid. So, about 3 million have signed up for ACA outside of their employer plans and Medicaid. I did see a Rand study that 87% of the people insured through the exchanges receive some financial assistance.

But, regardless of what the numbers are, I'll grant you that there are fewer people uninsured than before. The problem is there are still 30-35 million uninsured and OCare has already exceeded its projected costs. More than half the government exchanges have filed bankruptcy and more are expected to do so this year if things continue as they are. With many insurers involved in the exchanges losing hundreds of millions of dollars, I just don't see how the system, as is, can survive. I've also seen studies that indicate emergency room usage is UP since the passage of ACA. Another problem cited by its supporters that has not been solved by ACA.

For the record, I never watch Glen Beck or Fox News. Beck is an idiot and Fox News (their personalities, anyway) are annoying. Bret Baier and a few straight up news journalists are OK as far as I'm concerned. I just don't watch TV news.
 

Deeeefense

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Aug 22, 2001
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From the article I read, more than half of the newly insured are insured through employer plans, i.e., the economy has recovered enough for folks to find jobs that pay for coverage. Not sure how Ocare can take credit for that but whatever.

The employer mandate which was part of the ACA is probably responsible for most of these.

But, regardless of what the numbers are, I'll grant you that there are fewer people uninsured than before. The problem is there are still 30-35 million uninsured and OCare has already exceeded its projected costs.

About 15 million of those are illegal alians that are prohibited from coverage under the ACA, most of the reminder are impoverished people who live in states that opted out of the Medicaid expansion provisions of the ACA.


I just don't see how the system, as is, can survive. I've also seen studies that indicate emergency room usage is UP since the passage of ACA.

I agree with you. There are major financial issues regarding the mandated coverage, and the fact that negotiation of drug prices was off the table adds a tone of cost to coverage.

While ER visits are up, the difference is, now more of the visits are being covered by some sort of insurance instead of costs having to be passed on to the insured and tax payers in general.

===============================================================================

I think probably the best option is to incrementally lower the age for medicare participation and gradually raise the payroll taxes to cover the cost, to model our system more after some of the better systems in other countries. Medicare already has a functional infrastructure that works well, and they scrutinize costs as well if not better than the insurance companies but their treatment approvals tend to be fairer.

Sorry for insinuating you were getting your info from Glen Beck :D
 

JDHoss

Well-known member
Jan 1, 2003
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I pay $47 a month with a $1500 deductible, then Cigna covers 80% after. My wife works for the same company and has her own, as it's a little cheaper than the 2 person/family plan.
 

Raptureme

New member
Apr 14, 2006
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What may start to kill me is prescription costs. I have a $900 prescription deductible with tiered copays AFTER I reach that deductible. Just got prescribed Lialda for my IBD. $694 for a one month supply. $45 after I reach my deductible. Doctor gave me a savings card that got it down to $194 for 30 day supply. Luckily my plan told me that the savings card is a 2nd party, so the full $694 will apply to my copay, even though I just pay the $194. So now I have $779 towards my deductible and June's cost of $121 should fulfill my deductible so I'll only have to pay $45 for the rest of the year. Still, $585 OOP for 1 year's supply of one prescription sucks. Gonna have to bump up to a gold plan next year.

crazy...look into this---->http://www.lonestartpa.com/RX.php

My dad was using this when he was alive and saved quite a bit on his drugs
 

JDHoss

Well-known member
Jan 1, 2003
16,380
2,301
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That's crazy. How often do you hit your deductible?

I hit it 4 years ago when I had a hernia patched. My wife hit her's last year when she fractured her knee cap in a fall at a football game.