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Posted: 10/30/2013 1:55:50 AM EST
I'm losing insurance at the end of the year.

Logged on to Healthcare.gov without really any problems, but it did take about 2 hrs. to go through it.

This is what I got:

Blue Cross Blue Shield HMO 006

Basically $6,000 deductible per person, with max of $12,700 for family.
After deductible is met, 100% coverage.

Family of 4, with no tax credit $601 per month.
Billing will come direct from BCBS.

I was paying approx $700 for close to the same except $5000 deductible.
Link Posted: 10/30/2013 1:58:05 AM EST
Damn, thats alot for health insurance for a family.
Link Posted: 10/30/2013 1:58:13 AM EST
so what are you saying? You are happy? What?

Bottom line up front.

Link Posted: 10/30/2013 1:59:37 AM EST
Some people will come out better. Most won't. Do you have unlimited co pays or will you have to clear the deductibles farely early on?
Link Posted: 10/30/2013 2:04:03 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By army_eod:
so what are you saying? You are happy? What?

Bottom line up front.

View Quote


Not saying anything, just wanting to compare with others.

Not a political thread.
I'm not a obamacare supporter.
Link Posted: 10/30/2013 2:04:46 AM EST
Originally Posted By DoNotTreadOnMe:
I'm losing insurance at the end of the year.

Logged on to Healthcare.gov without really any problems, but it did take about 2 hrs. to go through it.

This is what I got:

Blue Cross Blue Shield HMO 006

Basically $6,000 deductible per person, with max of $12,700 for family.
After deductible is met, 100% coverage.

Family of 4, with no tax credit $601 per month.
Billing will come direct from BCBS.

I was paying approx $700 for close to the same except $5000 deductible.
View Quote


i tried signing up but gave up…

anyway, how do these deductables work? Are doctors visits part of them or do you still get copays?
Link Posted: 10/30/2013 2:05:26 AM EST
I wouldn't give them your information because they are likely to use it when they start going after the absconders
Link Posted: 10/30/2013 2:06:02 AM EST
A few will win, most will lose. When it all crashes down and they push single payer, everyone will lose.
Link Posted: 10/30/2013 2:07:37 AM EST
$12,700 deductible.

Fuck....
Link Posted: 10/30/2013 2:09:54 AM EST
No copays for Dr visits.

I'm self employed, so I'm never happy with insurance. I pay a butt load every year and really never use it.
We haven't met a deductible in 12 yrs. Only time before that was birth of 2 kids.
Link Posted: 10/30/2013 2:12:23 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By DoNotTreadOnMe:
No copays for Dr visits.

I'm self employed, so I'm never happy with insurance. I pay a butt load every year and really never use it.
We haven't met a deductible in 12 yrs. Only time before that was birth of 2 kids.
View Quote


holy shit…no copays and deductables of 6k and 12k…

what the fuck kind of insurance is that…?????
Link Posted: 10/30/2013 2:15:48 AM EST
The deductibles are what seem like a biggest rip off to me. I keep reading about these high monthly premiums (not in op's case) and then on top of that super high deductibles. We have a $250 individual one right now. I could not imagine $2500-$6000.
Link Posted: 10/30/2013 2:24:13 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By glocke12:


holy shit…no copays and deductables of 6k and 12k…

what the fuck kind of insurance is that…?????
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By glocke12:
Originally Posted By DoNotTreadOnMe:
No copays for Dr visits.

I'm self employed, so I'm never happy with insurance. I pay a butt load every year and really never use it.
We haven't met a deductible in 12 yrs. Only time before that was birth of 2 kids.


holy shit…no copays and deductables of 6k and 12k…

what the fuck kind of insurance is that…?????


It's non-insurance insurance, a $600/month tax.

Posted Via AR15.Com Mobile
Link Posted: 10/30/2013 2:30:00 AM EST
Wouldnt you be better off sticking $6000 or $12000 in a savings account and if one of the kids goes to the ER or has a Dr visit pay cash ?
Link Posted: 10/30/2013 2:33:08 AM EST
Is the monthly payment wrapped into the 12k annual out of pocket, or separate?
Link Posted: 10/30/2013 2:36:57 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By offctr:
Wouldnt you be better off sticking $6000 or $12000 in a savings account and if one of the kids goes to the ER or has a Dr visit pay cash ?
View Quote


Um, THIS EXACTLY!
Link Posted: 10/30/2013 2:41:28 AM EST
That doesn't really tell the tale.

What's covered? If you decide you want an annual physical, is that covered 100% as preventative care? Or if the cost of that procedure is $800, you get the bill for that and it goes towards your annual deductible?

These incredibly high deductibles seem more like catastrophic coverage to me, but with very high monthly payments that are more in line with traditional policies. Generally speaking, higher monthly costs typically yield lower overall out of pocket costs. With this shitshow it looks like everyone gets walloped on both ends, and it doesn't seem to be a function of individual characteristics; that metric is a property of the system overall.

Co-pays at the office may be meaningless.. The totality of the plan is what matters.


Link Posted: 10/30/2013 2:47:22 AM EST
[Last Edit: 10/30/2013 2:48:45 AM EST by whatarippa]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 4xDawn:
Is the monthly payment wrapped into the 12k annual out of pocket, or separate?
View Quote

They are separate.

In essence, you get to pay $600 monthly in order to limit your total out of pocket exposure to 12K for the year. Theoretically your total healthcare cost for the year would be (600*12)+($12,000), but it's a function of how much service you need / use. Even if you don't go to the doctor at all, the policy has a cost of $7200 each year (current year, subject to increase each successive enrollment period).

That resets every 12 months.

That's a shit-ton of visits during the year for the average healthcare consumer. You'd have to constantly spend more than 20K each year in order for that type of plan to make sense for you.


Link Posted: 10/30/2013 3:01:06 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By glocke12:


holy shit…no copays and deductables of 6k and 12k…

what the fuck kind of insurance is that…?????
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By glocke12:
Originally Posted By DoNotTreadOnMe:
No copays for Dr visits.

I'm self employed, so I'm never happy with insurance. I pay a butt load every year and really never use it.
We haven't met a deductible in 12 yrs. Only time before that was birth of 2 kids.


holy shit…no copays and deductables of 6k and 12k…

what the fuck kind of insurance is that…?????



no shit.. My deductible is 450 bucks and unlimited 15 dollar copay's for PCP and 30 for specialist visits. After deductible i am covered for 80% up to 9,000 bucks then they cover 100%.


Having to pay 6 or 12K for all three of us before anything else was covered would SUCK!!! my insurance is through my employer I pay 210 every two weeks but their contribution is just over 20K for the year for the plan i have.
Link Posted: 10/30/2013 3:22:19 AM EST
NO














FBHO
Link Posted: 10/30/2013 3:25:33 AM EST
Having a $6000 deductible is basically like not having insurance at all.

Most procedures can now come in under that, including a lot of basic surgery. Its more like a catastrophic plan.
Link Posted: 10/30/2013 3:29:29 AM EST
I hate Obamacare but on the brite side it will drive down healthcare cost in the long run because people aren't going to run out and get every test unless they really need them.
Link Posted: 10/30/2013 3:30:50 AM EST
GOP needs to transition away from Ocare and call it Demcare. Obama is a lame duck and this is 100% owned by the Dems, from Pelosi and Reid down to the most 'conservative' blue dog Dems. Hang it around their necks and make the party as a whole own it. And while they are at it, bring back HillaryCare branding, as well. The anger is just starting to swell, so make sure that anger is focused like a laser beam on the right people. Just putting this on Obama is insufficient and counterproductive, imo.
Link Posted: 10/30/2013 3:31:54 AM EST
Link Posted: 10/30/2013 3:45:42 AM EST
[Last Edit: 10/30/2013 3:47:59 AM EST by JakeThePimp]
Looks like it was kind of a wash

Your monthly payment is down $100/mo so provided nothing bad happens your pocketing about $1200/yr. If everything stays the same (it won't) and if you don't get major illness (we can hope) your in the black somewhere around 5-6 years.

It's the single young males that are really getting fucked with this.
Link Posted: 10/30/2013 3:46:57 AM EST
Got to stay with my current insurance plan, went up $400 a year.
Link Posted: 10/30/2013 4:14:39 AM EST
We have awesome insurance which costs my family of 2 less than $100 a month right now (soon to be 3 for less than $150). The def of Cadillac plans provided to me by my employer. We have low co-pays, $500 deductibles, long term care coverage, and just about every other bell and whistle. I have been hanging in the wind, waiting for a bad news letter....

Link Posted: 10/30/2013 4:27:57 AM EST
[Last Edit: 10/30/2013 4:31:05 AM EST by nthrunner]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JakeThePimp:
... Snip.

It's the single young males that are really getting fucked with this.
View Quote


As with every other thing in America.
Link Posted: 10/30/2013 5:11:05 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Bhart89:
I hate Obamacare but on the brite side it will drive down healthcare cost in the long run because people aren't going to run out and get every test unless they really need them.
View Quote


Link Posted: 10/30/2013 5:15:32 AM EST

Dear DoNotTreadOnMe,

You have been tread upon.

Sincerely,
Red
Link Posted: 10/30/2013 5:19:31 AM EST
The ObamaCare plan that I looked at costs more than double what I can get a similar plan for directly from the insurance company. ObamaCare is a rip off. No wonder Obama said it would generate money for the government, they must be charging a 100% overhead fee on the cost of each policy that they put in their pocket.
Link Posted: 10/30/2013 5:20:17 AM EST
[Last Edit: 10/30/2013 5:22:10 AM EST by TheGrayMan]
Link Posted: 10/30/2013 5:21:10 AM EST
[Last Edit: 10/30/2013 5:23:30 AM EST by SciFiNut]
Was able to price out the ACA alternative to my employer's offering.

My current plan:
$720/month BCBS, Family of 3, (hoping to be 4)
100% coverage from day one.
0 Deductible, 1000 out of pocket max.
$20 copays for non-wellness visits, $30 for specialists, $4 prescriptions, $10 for 90-day mail order.
$0 for DME, testing, maternity.

ACA closest comparable plan (I get ZERO subsidies):
$1100/month BCBS, Family of 3, (hoping to be 4)
100% coverage AFTER $12,500 deductible. $20,000 out of pocket max.
$10 copays for non-wellness visits, $40 for specialists, $6 prescriptions, $15 for 90-day mail order. ALL AFTER DEDUCTIBLE MET.

Yeah.. WTF???

Edit:
The ACA plan doesn't cover IVF and has high ER and admission copays...($250 ER, $400 admission)
IVF is covered by my current plan, and the ER and hospital stay copays are $100...
Link Posted: 10/30/2013 5:24:15 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By offctr:
Wouldnt you be better off sticking $6000 or $12000 in a savings account and if one of the kids goes to the ER or has a Dr visit pay cash ?
View Quote


Yeah that would be fine up until the penalties caught up with him as they steadily go up. Then what?
Link Posted: 10/30/2013 5:25:56 AM EST
What the OP described is just another "gotcha" built into this disaster. The Bronze level plans, which are the least expensive, don't cover anything until you meet your deductible ($5-6K). This includes prescription meds. So all those people who didn't have insurance, but are now forced to, get essentially nothing for their monthly premium. As someone else stated it's non-insurance insurance.

If you bump up to Silver or Gold, these plans are similar to traditional healthcare plans (including lower deductibles), but with increased premiums. If you want to see what Blue Cross offers, you don't have to go to the Gov website. Their plans can be seen on their website without giving away your name.
Link Posted: 10/30/2013 5:26:55 AM EST
Me and 2 kids, $1000 deductible, $3000 max out of pocket per person,PPO from BCBS direct, $1285/month.
Link Posted: 10/30/2013 5:27:56 AM EST
Originally Posted By DoNotTreadOnMe:
I'm losing insurance at the end of the year.

Logged on to Healthcare.gov without really any problems, but it did take about 2 hrs. to go through it.

This is what I got:

Blue Cross Blue Shield HMO 006

Basically $6,000 deductible per person, with max of $12,700 for family.
After deductible is met, 100% coverage.

Family of 4, with no tax credit $601 per month.
Billing will come direct from BCBS.

I was paying approx $700 for close to the same except $5000 deductible.
View Quote


That statement is absolutely incorrect. Go read the fine print.
Link Posted: 10/30/2013 5:29:15 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By TheGrayMan:
I blame the AFLAC mentality.

Most people only need "major medical," which is a lot cheaper. You're covered if you get run over by a bread truck, or come down with a pneumonia and end up on the ICU for two weeks... but basic stuff you pay yourself.

As in the video, people want all sorts of other stuff (like free cash), but don't want to pay for it... so they get a subsidized plan, or Medicaid (and food stamps/housing/etc).

This video would be more accurate if AFLAC was the government, and it showed the duck stealing the cash out of the "Major Medical" patient's pocket before giving it to the guy on the left:



http://www.youtube.com/watch?v=fHvLP6xCiAA
View Quote



I never understand why people get so bent about a private company offering a service to individuals for a fee. No matter what the level of coverage or what the price was, those two sets of people agreed upon it. Whats with all the negativity towards that? Isn't that the heart of a free economy?


My complaint is the .Gov getting in the middle of it but if a company wants my business and is willing to offer me God knows what for it and i decide i want to pay that price then who gives a crap. Just never understood the butt hurt over what others have for insurance. I mean i may not need a corvette but if i am willing to pay the price for it for what ever perceived benefit am i not free to pay that?

Not your post in particular, its just a common gripe here.
Link Posted: 10/30/2013 5:34:08 AM EST
[Last Edit: 10/30/2013 5:40:00 AM EST by Matt_F]
So...to succinctly sum up your post, you will pay $7,212 in annual premiums for the opportunity to meet a $6,000 PER FAMILY MEMBER before any real benefit starts. Your premium payments provide essentially no coverage unless there is catastrophe. Sounds great!


BTW...100% coverage after deductible is incorrect. You are looking at 60/40 or 70/30 if you are lucky (at least until you hit the max out-of-pocket for any individual). Enjoy Obamacare!
Link Posted: 10/30/2013 5:35:18 AM EST
[Last Edit: 10/30/2013 5:35:51 AM EST by Breugel]
My plan from my employer (BCBS)
Family of 5 and I pay $380 a month.
100% from day one. No deductible or copays.
100% on prescriptions. Basically it is all free to me except the $380 a month.
It really has a $5000 deductible but the company self insures that part.

I used the Kaiser calculator ( I am not giving my info to the website to be stolen)
Silver plan $630 a month.
Link Posted: 10/30/2013 5:39:12 AM EST
Honestly - this is how insurance SHOULD be, in my opinion.

We need to have some skin in the game. Health insurance has almost become an entitlement mentality because of all the plans we get offered from our employers. People have gotten so used to "near zero" healthcare out of pocket expenses, with only low cost co-pays for most events. That causes people to use healthcare when they really don't need it. I see it all the time, people go to their doctors for EVERYTHING.

Health insurance should be protection from getting financially ruined but a catastrophic event, or from having a long term issue that requires ongoing treatment. It seems to be thought of as "I just want to pay as little as possible monthly, then not pay anything to get whatever I need or want".

Right now our insurance is amazing via my employer... last year it was zero out of pocket, zero copay, basically, free healthcare completely provided by my employer. This year it changed to a deductible that we have to pay completely out of pocket, with a health savings plan, for a max out of pocket expense of around $3000 before 100% coverage kicks in. We all know that wont be allowed when Obamacare kicks in at the corporate level.

How much should you pay per month, for protection from financial ruin.... that is the question. And it should be variable depending on how much out of pocket expense you are willing to accept. But if you want low deductible and low out of pocket expense, then you had better plan for a high monthly premium.
Link Posted: 10/30/2013 5:40:46 AM EST
I'll just be paying the fine.It's too expensive and offers me no benefit.
Link Posted: 10/30/2013 5:40:48 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Matt_F:
So...to succinctly sum up your post, you will pay $7,212 in annual premiums for the opportunity to meet a $6,000 PER FAMILY MEMBER before any real benefit starts. Premiums for essentially no coverage unless there is catastrophe. Sounds great!


BTW...100% coverage after deductible is incorrect. You are looking at 60/40 or 70/30 if you are lucky (at least until you hit the max out-of-pocket for any individual). Enjoy Obamacare!
View Quote


You are, in a word, wrong.

There are plans that offer 100% coverage after a specific amount of deductible and out of pocket expense (and that post-deductible out of pocket expense based on 80/20).
Link Posted: 10/30/2013 5:41:41 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Breugel:
My plan from my employer (BCBS)Family of 5 and I pay $380 a month.
100% from day one. No deductible or copays.
100% on prescriptions. Basically it is all free to me except the $380 a month.
It really has a $5000 deductible but the company self insures that part.

I used the Kaiser calculator ( I am not giving my info to the website to be stolen)
Silver plan $630 a month.
View Quote


Those good corporate plans are the ones that are going to be destroyed.
Link Posted: 10/30/2013 5:43:34 AM EST
Originally Posted By DoNotTreadOnMe:
I'm losing insurance at the end of the year.

Logged on to Healthcare.gov without really any problems, but it did take about 2 hrs. to go through it.

This is what I got:

Blue Cross Blue Shield HMO 006

Basically $6,000 deductible per person, with max of $12,700 for family.
After deductible is met, 100% coverage.

Family of 4, with no tax credit $601 per month.
Billing will come direct from BCBS.

I was paying approx $700 for close to the same except $5000 deductible.
View Quote

That's fucking pants on head retarded. Unless you have a family member with chronic problems, you are probably better off paying the fine and stashing your cash. Since they can't deny you for a preexisting condition, if something catastrophic were to happen you can just sign up then.

Fuck 'em.
Link Posted: 10/30/2013 5:44:11 AM EST
[Last Edit: 10/30/2013 5:46:11 AM EST by Matt_F]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FALARAK:


You are, in a word, wrong.

There are plans that offer 100% coverage after a specific amount of deductible and out of pocket expense (and that post-deductible out of pocket expense based on 80/20).
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FALARAK:
Originally Posted By Matt_F:
So...to succinctly sum up your post, you will pay $7,212 in annual premiums for the opportunity to meet a $6,000 PER FAMILY MEMBER before any real benefit starts. Premiums for essentially no coverage unless there is catastrophe. Sounds great!


BTW...100% coverage after deductible is incorrect. You are looking at 60/40 or 70/30 if you are lucky (at least until you hit the max out-of-pocket for any individual). Enjoy Obamacare!


You are, in a word, wrong.

There are plans that offer 100% coverage after a specific amount of deductible and out of pocket expense (and that post-deductible out of pocket expense based on 80/20).


Maybe, but for that premium, I would doubt it. I would suggest OP read the policy closely. Additionally, that does not change anything about 99% of my post - so they pick up 100% after max out-of-pocket PER INDIVIDUAL. Okay....that's a real winner!
Link Posted: 10/30/2013 5:46:40 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By offctr:
Wouldnt you be better off sticking $6000 or $12000 in a savings account and if one of the kids goes to the ER or has a Dr visit pay cash ?
View Quote


That was the idea of HSA.
Link Posted: 10/30/2013 5:48:43 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By whatarippa:
That doesn't really tell the tale.

What's covered? If you decide you want an annual physical, is that covered 100% as preventative care? Or if the cost of that procedure is $800, you get the bill for that and it goes towards your annual deductible?

These incredibly high deductibles seem more like catastrophic coverage to me, but with very high monthly payments that are more in line with traditional policies. Generally speaking, higher monthly costs typically yield lower overall out of pocket costs. With this shitshow it looks like everyone gets walloped on both ends, and it doesn't seem to be a function of individual characteristics; that metric is a property of the system overall.

Co-pays at the office may be meaningless.. The totality of the plan is what matters.



View Quote



YEP
Link Posted: 10/30/2013 5:49:36 AM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By 4xDawn:
Is the monthly payment wrapped into the 12k annual out of pocket, or separate?
View Quote



Very, very separate. One is premium, the other is claim benefit. Sorry.
Link Posted: 10/30/2013 5:53:54 AM EST
I am not getting within 100 feet of that website or Obamacare. I have a feeling that once signed up they own you..... what ever that means.

My insurance that I buy personally will no longer be offered after 2014, an Obamacare compliant plan will be 215% higher. I wont pay that. I am single and don't really have much too lose other than my principles.

Posted Via AR15.Com Mobile
Link Posted: 10/30/2013 5:54:52 AM EST
Insanity.

I'll pay the fine and save my money.
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