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JoeinNY View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JoeinNY Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 9:19pm
We all fall under Obamacare as a system in some way. To talk about a specific copay you would need to talk about a program or a policy bought under a program -
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baitkiller View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote baitkiller Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 9:58pm
Cant afford the coverage on the exchanges. Buying good non compliant full coverage and paying the penalty is waaayyyyy cheaper for me with better coverage. Being self employed with a large family I get slaughtered on the exchanges.
I was quoted $897 a month with $5000 initial deductible.
That equates to $15,764 a year before any benefit.

I now pay $560 a month with no deductible and max OOP of $750.
No dental or optical but everything else is 100% covered, $20 scrips.

Yeah, Ill pay the penalty instead.
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Gary S View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gary S Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 10:01pm
I guess I should not complain then,when I retired our coverage was 9.00 a month 30.00 copay. 3 years later I'm still 30 copay but now 400.00 a month
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Donald80SN View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Donald80SN Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 10:07pm
I had my annual physical on October 31st and like each year, my doctor (Dr. Jelly Finger) drew blood and ordered the normal battery of test. I do not remember the number of test but for the sake of conversation lets say it was 10 things that they tested for. It was no more than they had done in years past. In years past, my insurance covered 100% of my annual physical, but in November I get a bill for $105.00 that was for some of these individual blood test that they had run. I called the insurance company to see if their was a mistake and they stated that due to changes in the Health Care Reform Laws, only two blood test are now considered preventive care. One was Cholesterol, and I can not remember the other one (Maybe LDL Cholesterol). The others were considered General Health and are not covered.

I have a Premium PPO with one of the big providers. Granted it is only $105.00, but you just keep getting nickeled and dimed to death. In April we will get hit with another large increase.

That is my Obamacare story for today.

Donald
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john b View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote john b Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 10:20pm
You guys should thank your lucky stars.
As retired police we receive no health care benefits. I just received the medical renewal package from the village I worked for. The premium per month for family coverage is $2,428.66 / month. I get away a bit cheaper for $1,659.30 / month because I only have one dependant (my wife). $1,000 deductible, covered 80% in network, 70% out of network until a maximum of $4,500 out of pocket. Can't wait for that other good old government insurance program to kick in, Medicare. My daughter and her husband and child had it sooooo good for three years.....In Canada!
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JoeinNY View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JoeinNY Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 10:28pm
Donald they lied - the aca requires them to cover the annual physical and preventive tests 100%, it didn't require them to stop covering the extra test - they did it cause they could and the aca gave them an excuse

baitkiller you will likely be better off as long as no one gets seriously sick with your non approved plan - but to me that defeats the purpose of insurance.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Orlando76 Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 10:39pm
I'm more or less self employed. In 2008 while America was in a depression, errr, "Recession" i was in a depression bc I was without work for 9 months. Somewhere in that 9 months I was 2 weeks late 2 months in a row on my $550 payment to Blue X. On the second month they returned my check and said I was no longer covered due to non payment. What a kick in the balls bc that was always my first check written even before groceries. For two years I could not get another private policy bc I was "high risk" due to nonpayment and "high" blood pressure. When I say I couldn't get coverage, I mean I couldn't even offer 5k a month to the shady-est carrier. It wasn't until I got married to my wonderful boat driver could I get coverage which was through her employers group policy. So now we pay $900 a month for just her and I. And boy it's mediocre coverage at best. I have not checked into Obamacare yet. I will say I am glad that supposedly now a person is always eligible for coverage because that 2 years I was worried.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote baitkiller Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 10:50pm
Joe please elaborate.
If anybody goes down hard I'm out $750 and my ins. picks up the balance. Maybe I should re-read something?
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john b View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote john b Quote  Post ReplyReply Direct Link To This Post Posted: January-07-2015 at 11:27pm
If a fraction of the effort that was expended in the law suits, shut downs, and opposition to Obamacare was directed toward coming up to a better solution we would all benefit. Certainly there could be better plans, but it is better than what we had before. If everyone could work together toward a solution we would all benefit, but not the insurers and drug companies so that's not really going to happen here.

After seeing the benefits of the single payer system in Canada it is hard to accept our dismal system. I owe a great debt of gratitude to Canada for making it possible to have a grandson. Due to costs and the lack of coverage for fertility treatments here in the states it would not have been possible. Felix was born on July 6, 2013 at Victoria General, in Victoria Canada, the hospital my daughter worked at as a nurse (in the same unit where he was delivered). He was the product of In-vitro fertilisation. He was born premature and spent about 10 days in the NNICU and additional time in the hospital until his lungs fully developed. He went home a healthy baby. There was no bill to follow. All of his follow ups and continuing health care, like my daughter's and her husband's, were provided free of cost courtesy of the Canadian Government. Only Felix is a Canadian citizen (their anchor baby as everyone likes to call them here).

I just can't get enough of Felix. I will be visiting him in February again. Seems I can't go more than 8 weeks without a Seattle Felix trip. I'm afraid he is the only grandson I will ever have due to the costs here in the USofA..
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Tim D View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Tim D Quote  Post ReplyReply Direct Link To This Post Posted: January-08-2015 at 12:01am
Joe, you seem pleased with obamacare, did you vote for him?
Tim D
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