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11/20/2019 5:07:11 PM
Posted: 10/29/2013 4:55:38 PM EST
[Last Edit: 10/30/2013 1:54:28 AM EST by lighteye67]
Edit to add: Aetna is my new employer. They bought my company

So, here I sit looking at my new health insurance plans and pricing. This is the first year I have been involved with Aetna's health insurance, and it's the first I've heard of this where your income determines what you pay. If employee A is a horse healthy 30 year old engineer that has busted his ass and worked his way up the ranks and is earning more, he will pay MORE $$ than the 400pound 50 year old shitbag high risk multiple heart attack employee in the next cubicle earning less due to fatboy not having striven for any certifications.


Here's the conversation I had with a peer today:

Me: Am I reading this rate table correctly? If I earn more I have to pay more than you because I earn more for the Exact. Same. Coverage?

Coworker: Yes, isn't it great?!?!

Me: Fuck no, that's bullshit. There is a name for that philosophy. We call it wealth redistribution, a prime facet of socialism.

Coworker: huh? This makes the fatcats pay their fair share!! Consider it a sliding scale if it makes it easier to understand.

Me: By your logic then, I want a new Ferrari for $40,000, you know, since everyone needs to be equal and all. Fuck it, we should all have them, right?

Coworker: ::::silence:::confusion:::

Was Aetna always this screwed up?
Link Posted: 10/29/2013 9:22:03 PM EST
EXACT same boat, brother. And, to add insult to injury they add surcharges if your spouse can be insured through their work, but you elect to use one of the three options-or a surcharge if you opt out and choose a non company sponsored option. Fuck.
Link Posted: 10/29/2013 9:24:58 PM EST
Aetna doesn't do that at my workplace
Link Posted: 10/29/2013 9:27:01 PM EST
I bet your employer, not the insurer, is doing it to spread the damage around.
Link Posted: 10/29/2013 9:45:54 PM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Barrelburner:
Aetna doesn't do that at my workplace
View Quote


This.

Blame your company for "spreading the wealth".
Link Posted: 10/29/2013 9:56:04 PM EST
I do.
Link Posted: 10/29/2013 10:01:11 PM EST
Lol it's always funny when people who have insurance through their employer blame the insurance company for their employer setting up the shittiest, cheapest plan they could get.

I wonder if it's the same people that scream "its called capitalism" in all the the ammo flipper threads? This is just another case of a guy (company) trying to maximize his profits by keeping what is probably his biggest cost down to a bare minimum......you know, it's called capitalism and therefore everyone here should be excited about that. If don't like it you are more than welcome to find a different job or should have been like the rest of us who made an insurance fort years ago. Buy cheap, stack deep
Link Posted: 10/29/2013 10:10:24 PM EST
Interesting article with Aetna's CEO From 12/18/2012
Forbes:Aetna CEO Bertolini: Get Ready for 'Rate Shock' as Some Health Insurance Premiums to Double in 2014


Snip...
Mostimportant of these are: (1) the “minimum actuarial value” requirement that forces insurers to provide more financially generous coverage with fewer co-pays and deductibles; (2) the “community rating” provision that forces younger beneficiaries to pay far more for insurance in order to partially subsidize older beneficiaries; (3) the “guaranteed issue” provision that forces insurers to take all comers, even if they are already sick; and (4) the “essential health benefits” mandate that forces insurers to cover health-care services that many customers wouldn’t otherwise want to pay for.

Snip

Bertolini also elaborated on the type of insurance that Aetna would provide on Obamacare’s exchanges. “It’s about having the right products at the right cost structure, [with] narrow networks, low-cost networks,” he said. That is to say, Aetna’s exchange products will aggressively steer patients to low-cost doctors and hospitals so as to keep premiums low. That’s, indeed, what insurers are rightly incentivized to do when individual consumers are shopping for their own insurance.

Within its exchange products, Aetna expects to reimburse hospitals and doctors at rates akin to government programs, rather than the much higher rates reserved for traditional commercial insurance. “We’re contracting…at a rate normally between Medicare and Medicaid for the exchange population,” said Frank McCauley.

Snip
Ideology may blind the President to this more flexible approach. But if he wants his signature health law to succeed, it would behoove him to see if Utah’s health insurance clearinghouse could help him achieve it.
View Quote
Link Posted: 10/29/2013 10:19:37 PM EST
Smug much? Cripes, go ant-burning somewhere else. There are other options out there, but the OP (and me too) are of the opinion that the Aetna options suck in these particular employer offered open enrollment instances. I fortunately have other options (where the **** is my tank icon?), but I get penalized for exercising them.


Discussion ForumsJump to Quoted PostQuote History
Originally Posted By sanunan:
Lol it's always funny when people who have insurance through their employer blame the insurance company for their employer setting up the shittiest, cheapest plan they could get.

I wonder if it's the same people that scream "its called capitalism" in all the the ammo flipper threads? This is just another case of a guy (company) trying to maximize his profits by keeping what is probably his biggest cost down to a bare minimum......you know, it's called capitalism and therefore everyone here should be excited about that. If don't like it you are more than welcome to find a different job or should have been like the rest of us who made an insurance fort years ago. Buy cheap, stack deep
View Quote
Link Posted: 10/29/2013 10:46:33 PM EST
I was happy with my insurance plan that I've had over the past 16 years via my employer.

I was assured by the President of The United States of America that I could keep that plan and my rates wouldn't go up or coverage decrease. He fucking promised it, numerous times.

Rot in hell barack hussein obama. Empty suit lying motherfucking piece of shit. Son of a communist, student of communists and reparation preachers. Homo who doesn't have the fucking balls to come out of the closet.

And yes OP, the entire thing rests on the fucking opium dream that young healthy people will joyfully pay more to give that fat fucking incipient coronary in the next cube over cheaper rates.
Link Posted: 10/29/2013 10:53:53 PM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By leatherface_y2k:
I was happy with my insurance plan that I've had over the past 16 years via my employer.

I was assured by the President of The United States of America that I could keep that plan and my rates wouldn't go up or coverage decrease. He fucking promised it, numerous times.

Rot in hell barack hussein obama. Empty suit lying motherfucking piece of shit. Son of a communist, student of communists and reparation preachers. Homo who doesn't have the fucking balls to come out of the closet.

And yes OP, the entire thing rests on the fucking opium dream that young healthy people will joyfully pay more to give that fat fucking incipient coronary in the next cube over cheaper rates.
View Quote
Well I already went galt on that one. They are going to have a voter revolution on their hands if they intend to tax people at the level of the premiums needed to cover that shit when they refuse to buy the insurance.
Link Posted: 10/30/2013 1:22:08 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By sanunan:
Lol it's always funny when people who have insurance through their employer blame the insurance company for their employer setting up the shittiest, cheapest plan they could get.
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By sanunan:
Lol it's always funny when people who have insurance through their employer blame the insurance company for their employer setting up the shittiest, cheapest plan they could get.


Yeah, I think I can safely blame my employer. Aetna bought my company this year. They are now my parent company. Being railroaded into this shit is galling. That I have to pay more for the exact same plan because I busted my ass is horseshit.

I wonder if it's the same people that scream "its called capitalism" in all the the ammo flipper threads? This is just another case of a guy (company) trying to maximize his profits by keeping what is probably his biggest cost down to a bare minimum......you know, it's called capitalism and therefore everyone here should be excited about that. If don't like it you are more than welcome to find a different job or should have been like the rest of us who made an insurance fort years ago. Buy cheap, stack deep


Punishing someone for being successful is not capitalism. Perhaps in your other DU home, but not in the real world. You must resemble the 400# sloth eating a 10pc bucket of KFC for lunch tool over in the next cube. Oh, and FBHO, the master of your wet dreams.




Link Posted: 10/30/2013 1:37:21 AM EST
[Last Edit: 10/30/2013 1:39:14 AM EST by glocke12]
Originally Posted By lighteye67:
So, here I sit looking at my new health insurance plans and pricing. This is the first year I have been involved with Aetna's health insurance, and it's the first I've heard of this where your income determines what you pay. If employee A is a horse healthy 30 year old engineer that has busted his ass and worked his way up the ranks and is earning more, he will pay MORE $$ than the 400pound 50 year old shitbag high risk multiple heart attack employee in the next cubicle earning less due to fatboy not having striven for any certifications.


Here's the conversation I had with a peer today:

Me: Am I reading this rate table correctly? If I earn more I have to pay more than you because I earn more for the Exact. Same. Coverage?

Coworker: Yes, isn't it great?!?!

Me: Fuck no, that's bullshit. There is a name for that philosophy. We call it wealth redistribution, a prime facet of socialism.

Coworker: huh? This makes the fatcats pay their fair share!! Consider it a sliding scale if it makes it easier to understand.

Me: By your logic then, I want a new Ferrari for $40,000, you know, since everyone needs to be equal and all. Fuck it, we should all have them, right?

Coworker: ::::silence:::confusion:::

Was Aetna always this screwed up?
View Quote



If I hear one more person talking about wealthy people paying their fair share my head will explode..

I am by no definition wealthy, but I have no interest in having my life subsidized by someone else.


Link Posted: 10/30/2013 1:42:17 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Barrelburner:
Aetna doesn't do that at my workplace
View Quote


Ours either. Our premiums went up a little, very little. But the OP's situation? Sounds employer instituted.
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