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Obamacare and the Horror Stories

JayHawk said:
Thanks Opi... I have insurance so wasnt looking for anything specific on rates.

So my rate is 119 a month for catastrophic coverage OR 227 a month for Platinum..... HOLY SHIT that is cheap.

My Mother who is a 63 year old Tobacco user at 125% the poverty level qualifies for 96% subsidy for her insurance BUT the plan cost for a Platinum is only 388 which is around five hundred cheaper than anything else I have looked at with her pre-existing conditions. The 96% coverage subsidy would cop to 372 a month so she can get the best offered health plan for 16 dollars a month.

If all this pans out the way it just showed me then the ACA is fucking amazing.
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Everything I've read is that a 60 yo person who doesn't smoke has an over $8000 yearly premium.

Hmmmm
 
Jack Springer said:
Everything I've read is that a 60 yo person who doesn't smoke has an over $8000 yearly premium.

Hmmmm
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I suppose in twilight zone land the plans they offer for review are somehow different than the ones they actually sell. However, go to the site yourself and pump in your own data. I was amazed because I have read what i thought were somewhat decent sources who have totally gotten this thing wrong IF it pans out the way that scale has it pan out. I haven't bought it yet but I intend to as soon as me and my computer can get next to my mother and her personal identifiable information. That will occur sometime next month on or after her birthday. So I will make sure and update once I am paying a insurance company for her plan.
 
I dont know if the link developed will work other than on my computer in that system BUT the defining line is above fifty and the plan with no subsidy for a "over 60" person for the highest available in Johnson County, Missouri which is Gold level = 430 to 585, Silver level 386 to 485, Bronze = 291 to 345 and Catastrophic is 173.....

So the twelve month range is 7020 for everything under the sun covered to 2076 to meet basic minimums under the law.

A mean average coverage of 379 a month or 4548 a year.....
 
Just thought I'd point out that zip code makes a difference -- just changing the zip I entered in browsing plans made a drop of twenty percent or a rise not quite so large. I'm guessing it depends on how close you are to a hospital or other medical center, among other things.
 
cityboy-stl said:
Hmmmm...That's for the primo plan AND you make enough $ to not be eligible for the subsidy. You know that.
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Nah his primo plan for the region he is near, at least, is 7000 a year. Still I cant imagine many who do not have insurance will not qualify for subsidies. I mean who is making 100k and doesn't have insurance?

CowboyBob said:
Yes. Another Springer half truth.
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I would like to consider his Hmmmmm! as a concession by him that perhaps what he is hearing is wrong. But I am forever an optimist.

Kulindahr said:
Actually, Bob, from what I've done exploring this that's not far off.
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Kulindahr said:
Just thought I'd point out that zip code makes a difference -- just changing the zip I entered in browsing plans made a drop of twenty percent or a rise not quite so large. I'm guessing it depends on how close you are to a hospital or other medical center, among other things.
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Nope the 7000 is not far off from Jacks 8000.
 
Kulindahr said:
Actually, Bob, from what I've done exploring this that's not far off.
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Fine. Let's not use that as a generality of what all premiums will be.

A Rolls Royce costs $400,000 but that doesn't mean all cars cost that much.

$8,000 ÷ 12 = 667 (7,000 ÷ 12 = 583) What have the premiums been from Kaiser Permanente, Blue Cross or others and did they cover preexisting conditions, have lifetime caps, etc?

The way Springer exaggerates and demonizes everything if he said the the Earth was round I'd doubt him.
 
CowboyBob said:
Fine. Let's not use that as a generality of what all premiums will be.

A Rolls Royce costs $400,000 but that doesn't mean all cars cost that much.

$8,000 ÷ 12 = 667 (7,000 ÷ 12 = 583) What have the premiums been from Kaiser Permanente, Blue Cross or others and did they cover preexisting conditions, have lifetime caps, etc?

The way Springer exaggerates and demonizes everything if he said the the Earth was round I'd doubt him.
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On the last line LOL...

On the rest, I already posted my anecdotal but massive savings. My mother's policies previously were near a grand a month. So I was forced to do ghetto care through the emergency room and then talk down the bills. I cannot afford 12,000 a year with deductibles and caps. Obviously. Still the ghetto route has cost me thousands. I am happy that with her income, I can plan to pay 196 bucks a year and still afford a supplemental plan to cover the gap. I just hope I can get a plan that will work this year and convert to medicare gap next year when she shifts at 65.

Regardless I WANT people like Jack to go look and be surprised with what they find. WHY? Because if we just play partisan stupid for the next year then a good majority of healthy, uninsured right siders will stay off the plan. If they do then it is destined to fail because the cost works IF many join, NOT if many just pay the fine.

Now the fine increases to substantially past the cost of insurance in two years BUT as the insurance companies post record losses and the Health Department posts abysmal sign up rates and skyrocketing costs to the taxpayer, then the right will have massive talking points for 2014. It is a PR battle like no other. WHich is why Obama kept his campaign team together. We have to get word out or it dies.
 
JayHawk said:
Nah his primo plan for the region he is near, at least, is 7000 a year. Still I cant imagine many who do not have insurance will not qualify for subsidies. I mean who is making 100k and doesn't have insurance?
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They keep saying millions won't be able to get insurance, so there must be a lot. I know when I put in an income less than the poverty level, it said I didn't qualify for a subsidy. I guess those people are supposed to get Medicaid, but that depends on their state.
 
Did Oregon not expand Medicaid? O_o

I would think they would accept it readily as a deep blue state.

Yeah Ohio is very restrictive on their Medicaid and as a red led state they havent chosen to expand medicaid. So at 64, with oxygen to walk, no ability to climb stairs or move around for longer than 15-20 minutes at a time, my mother is not disabled enough to qualify under Ohio rules. Next year she will be entitled to Medicare.

So she lives off Social Security and I pay roughly half her bills. So without me she would not afford health insurance this year either. Not with the co-pays and deductibles....
 
JayHawk said:
Yeah Ohio is very restrictive on their Medicaid and as a red led state they havent chosen to expand medicaid. So at 64, with oxygen to walk, no ability to climb stairs or move around for longer than 15-20 minutes at a time, my mother is not disabled enough to qualify under Ohio rules. Next year she will be entitled to Medicare.
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Even if your mother DID qualify for disability in Ohio, the average length of time between application and approval for disability in Ohio is two years.
 
Sounds like the new plan is delay making a decisiosn instead of make it sustainable between the VA and the execution of social programs across the nation
 
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