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Posted: 11/24/2014 8:21:37 PM EDT
On my healthcare insurance.
Open season for enrollment.
For those of you out there that have the chance, take the time to compare and possibly save some money!
Link Posted: 11/24/2014 8:26:59 PM EDT
Really?
My BEST option was to pay MORE.
For LESS!
FBHONACA
Link Posted: 11/24/2014 8:33:50 PM EDT
Employer pays for mine
Link Posted: 11/24/2014 8:50:13 PM EDT
My employer covers me but not my family. They offer unsubsidized dependant coverage at about $650 a month. Because they offer that we can't get the gov. subsidy and a private plan is about $700 a month for the wife and kids.

But I'm an overweight inky smoker and have been assured by the membership here that they pay my medical expenses. I guess the check got lost in the mail or something.
Link Posted: 11/24/2014 8:52:39 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Dave15:
Really?
My BEST option was to pay MORE.
For LESS!
FBHONACA
View Quote


This.   The entire thing makes me pissed off.  Should have just given the poor free shit and made a few other changes.  Screwing over almost everyone was quite a feat.
Link Posted: 11/24/2014 8:53:36 PM EDT
Employee doesnt pay for family neither but my daughter is on my wifes plan where she works. I dont know how much it would cost for them to be on mine.
Link Posted: 11/24/2014 8:55:17 PM EDT
Called and cancelled mine today.  Can't afford it.
Link Posted: 11/24/2014 8:56:30 PM EDT
[Last Edit: 11/24/2014 8:57:07 PM EDT by SpudCrushr]
I jumped back on my dad's plan to avoid the stupid expensive plans for young, healthy people that hardly ever need anything in the way of medical care. I cannot afford the prices they demand.
Link Posted: 11/24/2014 8:58:16 PM EDT
Originally Posted By Gunslinger808:
On my healthcare insurance.
Open season for enrollment.
For those of you out there that have the chance, take the time to compare and possibly save some money!
View Quote


How did you save that much??? What kind of plan are you on?
Link Posted: 11/24/2014 9:00:01 PM EDT

...will not comply...

Link Posted: 11/24/2014 9:01:23 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 07Commander:
Employer pays for mine
View Quote


Mine too, but I'm self employed.
Link Posted: 11/24/2014 9:04:08 PM EDT
What does open enrollment mean, exactly?

What happens if I want to purchase health insurance after the open enrollment period?
Link Posted: 11/24/2014 9:04:37 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By DarkStar:

...will not comply...

View Quote

Link Posted: 11/24/2014 9:05:59 PM EDT
See who takes the plan before you claim the savings.  I took a plan in my state and had a hard time finding anyone who actually accepted the plan.
Link Posted: 11/24/2014 9:07:42 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 1Andy2:
What does open enrollment mean, exactly?

What happens if I want to purchase health insurance after the open enrollment period?
View Quote


I believe you need a "life event" (new job, baby, etc.) to qualify for enrollment outside of the "open enrollment" period.
Link Posted: 11/24/2014 9:09:07 PM EDT
[Last Edit: 11/24/2014 9:10:13 PM EDT by 1Andy2]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By NFAToyz:


I believe you need a "life event" (new job, baby, etc.) to qualify for enrollment outside of the "open enrollment" period.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By NFAToyz:
Originally Posted By 1Andy2:
What does open enrollment mean, exactly?

What happens if I want to purchase health insurance after the open enrollment period?


I believe you need a "life event" (new job, baby, etc.) to qualify for enrollment outside of the "open enrollment" period.



I never enrolled last year.  Every time I sit down to look at insurance now, my eyes glaze over.


Government-mandated health insurance.  So easy a theoretical physicist can do it.  Maybe.

So does it literally mean that it's illegal for anyone to sell me insurance outside of the open enrollment period, unless I have a good excuse?

I remember back when the open enrollment period was 365 days per year.
Link Posted: 11/24/2014 9:11:41 PM EDT
I'm grandfathered in old America private insurance and it went up 44 bucks month next year.
I will pay almost whatever to keep off the government plan.
Link Posted: 11/24/2014 9:14:49 PM EDT
[Last Edit: 11/24/2014 9:17:07 PM EDT by Gunslinger808]
Discussion ForumsJump to Quoted PostQuote History
How did you save that much??? What kind of plan are you on?
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Discussion ForumsJump to Quoted PostQuote History
How did you save that much??? What kind of plan are you on?

Went from Healthnet of Arizona High plan @ $845 for Self and Family to Humana S&F High plan @$355.


Originally Posted By 1Andy2:
What does open enrollment mean, exactly?

What happens if I want to purchase health insurance after the open enrollment period?


Open enrollment is the time of year policies are available for people to choose and make changes to their policies.
You can keep the plan you have, or change plans, or change people on your policy.

If you have a need to change/start your policy after open enrollment, talk to your HR department, there are allowances for those that need to make changes or start a policy.

See who takes the plan before you claim the savings. I took a plan in my state and had a hard time finding anyone who actually accepted the plan.


We got real lucky, our new policy has our current Primary care physician listed, so it was a no brainer.
At the worse, any refferal will have me driving to Phoenix for specialist, which seem to be better doctors anyway.
Link Posted: 11/24/2014 9:16:01 PM EDT
[Last Edit: 11/24/2014 9:16:26 PM EDT by 1Andy2]
I'm self employed.  And I don't have health insurance.

Where's the list of approved excuses so I can make up a good story?
Link Posted: 11/24/2014 9:19:35 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 1Andy2:



I never enrolled last year.  Every time I sit down to look at insurance now, my eyes glaze over.


Government-mandated health insurance.  So easy a theoretical physicist can do it.  Maybe.

So does it literally mean that it's illegal for anyone to sell me insurance outside of the open enrollment period, unless I have a good excuse?

I remember back when the open enrollment period was 365 days per year.
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 1Andy2:
Originally Posted By NFAToyz:
Originally Posted By 1Andy2:
What does open enrollment mean, exactly?

What happens if I want to purchase health insurance after the open enrollment period?


I believe you need a "life event" (new job, baby, etc.) to qualify for enrollment outside of the "open enrollment" period.



I never enrolled last year.  Every time I sit down to look at insurance now, my eyes glaze over.


Government-mandated health insurance.  So easy a theoretical physicist can do it.  Maybe.

So does it literally mean that it's illegal for anyone to sell me insurance outside of the open enrollment period, unless I have a good excuse?

I remember back when the open enrollment period was 365 days per year.



LOL!!! So true my friend.  I don't think it's illegal, just that they will hit you with penalties ($$$) when you file your taxes.  Dear Leader needs more of your money for green fees.
Link Posted: 11/24/2014 9:20:58 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 1Andy2:


I'm self employed.  And I don't have health insurance.



Where's the list of approved excuses so I can make up a good story?
View Quote
Oh yeah?

 
Well I'm retired and don't have any health insurance....    

But my retirement plan as I have it planned out is to start medical/dental insurance in a year and a half.

Right now I can't afford it but my IRA retirement kicks in in 18 months.
Link Posted: 11/24/2014 9:25:04 PM EDT
[Last Edit: 11/24/2014 9:27:44 PM EDT by Customer10002014]
I pay for my own private plan and have for more than a decade.
Not eligible for subsidy.
Same Plan, same price, same benefits for years before PPACA.
Same Plan, $100 bump in monthly premium every year since PPACA, less benefits every year since PPACA.
FBHO
Link Posted: 11/24/2014 9:38:16 PM EDT
Fucking union job, I am covered, Mrs. Kubota costs $75.00/month.
Link Posted: 11/24/2014 9:39:31 PM EDT
Employer pays my way, but not my family.

Last year Obamacare made me go from $300 a month for my family to $1,400 for my family per month.

I found out that Obama wants more money out of me, and wants me to now Pay $1,952.37 per month for my family for semi low grade plan. I was told that i am Not Eligible for any subsidies.
I  have to tell Obama to FUCK OFF!

If i go thru my employer, i have to pay $2,200 per month for my family for HMO plan, $2,900 for PPO plan.

FUCK YOU OBAMA CARE aka Unaffordable Healthcare.

PS. i only make $3,500 a month after taxes, wife is a stay at home mom who home schools our children.

FUCK YOU Obama, you fucking dirty lying sack of Shit.



Link Posted: 11/24/2014 9:41:49 PM EDT
Mine went up significantly.

My SOs insurance is laughable
Link Posted: 11/24/2014 9:44:32 PM EDT
Fuck the gov.  I'll pay the fine
Link Posted: 11/24/2014 9:47:54 PM EDT
That's why I changed plans.
I retired out of D.H.S./I.C.E. back in 07 and my plan was only $235 a month, lo and behold, this year it was up to $855 a month.
That was money I was planning on using for incidentals like food, utility bills ect...
My wife and I have really been hit hard by Obamacare, and I was lucky to get my plan down to a reasonable amount for the same basic coverage.

Also found out that my original plan Healthnet is one of the ones that pays for ACCESS (or however it's spelled) which is the insurance handout for the un insured.
Guess who ended up paying for the indigents by rate hikes.
Link Posted: 11/24/2014 9:49:23 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 1Andy2:
I'm self employed.  And I don't have health insurance.

Where's the list of approved excuses so I can make up a good story?
View Quote



As far as I know there are no excuses as long as you make a $.  If you are below a $ amount for the year, you qualify for subsidies to help you pay for it.  It's the equivalent of a government mandated mob shakedown.  Wait till you see, once you have a policy you can only go to certain doctor of which are running "patients" through the office in large numbers to make sure they bill the insurance companies a small fortune.  It's one of the most broken systems I have ever seen and it's required.
Link Posted: 11/24/2014 9:52:55 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By jnk556:
Fuck the gov.  I'll pay the fine
View Quote

That was me last year, then I got sick this Summer, scared the crap out of me and guess what?
I am mortal after all. I will enroll, its against everything I believe in but I can't afford to pay hospital bills
and doctor bills out of pocket.
Link Posted: 11/24/2014 9:55:29 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By WhirlyGirl45:





That was me last year, then I got sick this Summer, scared the crap out of me and guess what?

I am mortal after all. I will enroll, its against everything I believe in but I can't afford to pay hospital bills

and doctor bills out of pocket.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By WhirlyGirl45:



Originally Posted By jnk556:

Fuck the gov.  I'll pay the fine


That was me last year, then I got sick this Summer, scared the crap out of me and guess what?

I am mortal after all. I will enroll, its against everything I believe in but I can't afford to pay hospital bills

and doctor bills out of pocket.




 
I'm keeping my fingers crossed for 20 more months, I hope I stay healthy - after that I'll be insured.
Link Posted: 11/24/2014 9:56:08 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By AZ_Sky:

  I'm keeping my fingers crossed for 20 more months, I hope I stay healthy - after that I'll be insured.
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By AZ_Sky:
Originally Posted By WhirlyGirl45:
Originally Posted By jnk556:
Fuck the gov.  I'll pay the fine

That was me last year, then I got sick this Summer, scared the crap out of me and guess what?
I am mortal after all. I will enroll, its against everything I believe in but I can't afford to pay hospital bills
and doctor bills out of pocket.

  I'm keeping my fingers crossed for 20 more months, I hope I stay healthy - after that I'll be insured.

I made it through my 20's and 30's without any issues.
Link Posted: 11/24/2014 9:58:07 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By WhirlyGirl45:





I made it through my 20's and 30's without any issues.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By WhirlyGirl45:



Originally Posted By AZ_Sky:


Originally Posted By WhirlyGirl45:


Originally Posted By jnk556:

Fuck the gov.  I'll pay the fine


That was me last year, then I got sick this Summer, scared the crap out of me and guess what?

I am mortal after all. I will enroll, its against everything I believe in but I can't afford to pay hospital bills

and doctor bills out of pocket.


  I'm keeping my fingers crossed for 20 more months, I hope I stay healthy - after that I'll be insured.



I made it through my 20's and 30's without any issues.
I've only been inside a hospital once in 58 years, now I'm just trying to make it through to age 60.

 
Link Posted: 11/24/2014 10:03:18 PM EDT
I can't wait until the employer mandate kicks in on 1/15. You are going hear a lot of pissing and moaning then, unless the Dicktator changes the law again or SCOTUS does it for him.

It will be interesting to see how all the unions either fuck their members or the Dicktator fucks the taxpayers/employers some more.

What a FUBAR the whole mess is.
Link Posted: 11/24/2014 10:05:14 PM EDT
The only reply needed is....

FBHO
Link Posted: 11/24/2014 10:05:57 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 07Commander:
Employer pays for mine
View Quote

Link Posted: 11/24/2014 10:07:51 PM EDT
$500.00 per month savings ? ? ?

HOOK ME UP OP,   ins co would be paying ME every month

I pay LESS than 500 per month for my ENTIRE family . . . . . For now

Thanks ODUMBO
Link Posted: 11/24/2014 10:08:41 PM EDT
Fuck that, I work overseas and have Cigna International and SAICO.  Hopefully this mess is sorted out by the time I come back to the USA for good.  Till then I feel sorry for those people with families that work and the royal fucking they got.
Link Posted: 11/24/2014 10:08:45 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 07Commander:
Employer pays for mine
View Quote


I wish.
Link Posted: 11/24/2014 10:11:26 PM EDT
One of the benefits of working for a company owned by ultra libs is they provide excellent benefits so that they look good to their liberal buddies.  
Link Posted: 11/24/2014 10:13:22 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By AZ_Sky:
I've only been inside a hospital once in 58 years, now I'm just trying to make it through to age 60.  
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By AZ_Sky:
Originally Posted By WhirlyGirl45:
Originally Posted By AZ_Sky:
Originally Posted By WhirlyGirl45:
Originally Posted By jnk556:
Fuck the gov.  I'll pay the fine

That was me last year, then I got sick this Summer, scared the crap out of me and guess what?
I am mortal after all. I will enroll, its against everything I believe in but I can't afford to pay hospital bills
and doctor bills out of pocket.

  I'm keeping my fingers crossed for 20 more months, I hope I stay healthy - after that I'll be insured.

I made it through my 20's and 30's without any issues.
I've only been inside a hospital once in 58 years, now I'm just trying to make it through to age 60.  

Here's hoping that you make it.
Link Posted: 11/24/2014 10:33:46 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Gunslinger808:
Snip...

We got real lucky, our new policy has our current Primary care physician listed, so it was a no brainer.
At the worse, any refferal will have me driving to Phoenix for specialist, which seem to be better doctors anyway.
View Quote


Better check with your Primary Care guy.    Our practice is listed (despite multiple attempts to get them to correct it) for several things with some insurances that we don't accept.    We take the insurances...but some of the services (Diabetic Shoes for example) we actually lose money when we dispense them.    
Link Posted: 11/24/2014 10:35:02 PM EDT
I dumped Healthnet in Arizona years ago.  I retired with great insurance, went with BC/BS PPO for $132.00? a month.  Fill out an online survey and they sent me a debit card with money on it which paid all my co-pays this year.  I get vision insurance for $10.00 a month.  Aetna dental for $35.00 or so a month.
Link Posted: 11/24/2014 10:35:38 PM EDT
FBHO
Link Posted: 11/24/2014 11:16:29 PM EDT
Wife and I both self employed. Paying out the ass for shitty health care plan. Our provider sent us a notice that they could no longer meet the requirements so they closed up shop. Our agent told us to sign up for O'care. "it'll save you over $600 a month, better deductibles, she says".

So we did. They fucked up all of the paperwork, cashed our checks and then cancelled our policies due to non-payment. A week after the cancellation letter we got ID cards in the mail. After spending weeks on the phone trying to get that mess straightened out ( or our money back) they told us we could not re-sign due to being cancelled for non payment. You can file an appeal, or wait for open enrollment. Well, we can't "wait" asshole, it was your mistake and my 15 yo daughter is a transplant patient and takes about 10 grand, yeah that's right...$10,000 worth of meds every month.

They ended up agreeing to let us sign back up if we paid the back insurance on the two months they dicked us around telling us we never had it. No thanks. Finally got a refund check last week for the money we supposedly never sent in. Welcome to my life. .

FBHO

Link Posted: 11/24/2014 11:18:43 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 69cutlass:


I'm grandfathered in old America private insurance and it went up 44 bucks month next year.

I will pay almost whatever to keep off the government plan.
View Quote
You do realize they are private plans...



 
Link Posted: 11/25/2014 1:49:08 AM EDT
[Last Edit: 11/25/2014 1:49:55 AM EDT by 1Andy2]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By NFAToyz:



As far as I know there are no excuses as long as you make a $.  If you are below a $ amount for the year, you qualify for subsidies to help you pay for it.  It's the equivalent of a government mandated mob shakedown.  Wait till you see, once you have a policy you can only go to certain doctor of which are running "patients" through the office in large numbers to make sure they bill the insurance companies a small fortune.  It's one of the most broken systems I have ever seen and it's required.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By NFAToyz:
Originally Posted By 1Andy2:
I'm self employed.  And I don't have health insurance.

Where's the list of approved excuses so I can make up a good story?



As far as I know there are no excuses as long as you make a $.  If you are below a $ amount for the year, you qualify for subsidies to help you pay for it.  It's the equivalent of a government mandated mob shakedown.  Wait till you see, once you have a policy you can only go to certain doctor of which are running "patients" through the office in large numbers to make sure they bill the insurance companies a small fortune.  It's one of the most broken systems I have ever seen and it's required.



I'd rather die.

Edited so as not to cast aspersions on others.
Link Posted: 11/25/2014 2:10:54 AM EDT
[Last Edit: 11/25/2014 2:12:13 AM EDT by midcap]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By jestice75:


Mine too, but I'm self employed.
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Originally Posted By jestice75:
Originally Posted By 07Commander:
Employer pays for mine


Mine too, but I'm self employed.


same here.

BCBS Louisiana informed me that I am going from a $675.19 monthly premium to a $810.39 premium. Yay.
Link Posted: 11/25/2014 2:13:23 AM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 07Commander:


Employer pays for mine
View Quote
No, you still pay for it in lower wages and less raises. What's bad for the bottom line is bad for the workers.



 
Link Posted: 11/25/2014 7:45:54 AM EDT
Link Posted: 11/25/2014 8:01:35 AM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By bssrf4:
You do realize they are private plans...
 
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By bssrf4:
Originally Posted By 69cutlass:
I'm grandfathered in old America private insurance and it went up 44 bucks month next year.
I will pay almost whatever to keep off the government plan.
You do realize they are private plans...
 


Whatever. Let's say instead I'll do almost anything not to participate in the government exchanges until my pre Obama insurance gets canceled.
Link Posted: 11/25/2014 8:11:48 AM EDT
Originally Posted By Gunslinger808:
On my healthcare insurance.
Open season for enrollment.
For those of you out there that have the chance, take the time to compare and possibly save some money!
View Quote


Interested in a bit more data. What were you paying for pre-socialist health care? When you say you saved $500 does that refer to what you paid last year under O-care or what you paid pre O-care?
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