Obamacare just punched my family square in the nose.

[hidinout]

funny to see obama lovers try to spread the blame. not that they actually admit to being liberal democrats or anything like that it's just that there has to be some other logical explanation other than The Great One's plan sucks .

[woodsrider]

That does sound like an insanely high amount. I pay a little under $600/month for a family of 5 and it includes vision, and dental. I used to manage my old companies plan, and we only paid 50% of the total premium (it was a small business), and I still paid right around $600 for a high deductible plan with dental and vision. In fact my rates have stayed roughly the same for the last 10 years (maybe a 5-10% increase over the last 10 year) and I've worked for 3 different companies, one small, one medium, and currently a very large company all with different health insurance providers. The only change is my rates from last year would occur if I (and my spouse) fail to complete several "healthy" actions, in which case we would get hit with a $400 per year surcharge. I would demand to see what the actual premium is and to know what percentage you are paying. It really sounds to me like you are getting hosed, and it has nothing to do with Obamacare.

 

To add to my previous post my plan is a $0 deductible and $0 out of pocket as long as I stay in the network. My company is self insured through our parent company and the administrator is Horizon BCBS so there isn't much trouble staying in the network. Anything outside of the network is not covered.

[spindoc]

To add to my previous post my plan is a $0 deductible and $0 out of pocket as long as I stay in the network. My company is self insured through our parent company and the administrator is Horizon BCBS so there isn't much trouble staying in the network. Anything outside of the network is not covered.

 

And in the event you need a specialist (Like Dr. James Andrews to look at your shoulder from bowstring fatigue) you're forked.

[HammerTime]

And in the event you need a specialist (Like Dr. James Andrews to look at your shoulder from bowstring fatigue) you're forked.

 

He's actually in network.

[woodsrider]

He's actually in network.

 

Just looked, he's in mine as well.

[rjs4470]

funny to see obama lovers try to spread the blame. not that they actually admit to being liberal democrats or anything like that it's just that there has to be some other logical explanation other than The Great One's plan sucks .

 

First, I'll admit to being a Democrat. And believe it or not there's nothing wrong with that. It doesn't make me a bad person. Just like being a conservative doesn't automatically make you right. I've said several times on this site that there are problems with this legislation. I still believe the focus is wrong, and that we need to get control of escalating healthcare costs. But providing better and guaranteed access to health insurance isn't necessarily a bad thing. The management of this whole process really concerns me. But how can you not admit or see that there is plenty of blame to go around, and there are parties that are exploiting this opportunity to gouge customers, whether its the companies they work for, or the insurance providers. It's equally funny when the conservatives rush to judgement, and automatically focus all the blame on the legislation, as if there cannot be some other explanation. Remember, insurance premiums have been steadily rising for the last 10-15 years, well before Obamacare, and during the 8 years of the Bush administration. Obamacare certainly wasn't the cause then. The real truth I believe lies somewhere in the middle of the two extremes. Both sides need to swallow their pride and work together to find a palatable and effective solution for the issue, rather than this silly blame and finger pointing game.

[HT721]

The numbers just don't seem right to me so let me make sure I understand. It will cost X for your wife however the company is still covering that. In order for a child to be added it will cost an extra $500, for you to be added $700, or you could cover the whole family for $1400. So 1 child and spouse would be $1200 and a spouse and 2 or more kids would be $1400. That means the total family plan is $1400 plus what ever it costs for the employee.

 

I guess my point is that this sounds like the most expensive health care plan I've every heard of. I have always considered my insurance expensive. The yearly cost of a family plan is $18,200 (company pays 60%) and that only comes out to $1517/month total. It sounds like to me your wife's plan costs close to $2000/month.

 

Part of the cost is likely because it's a self funded plan, with an insurance company administering.

[Bluegrasscard]

 

Related (?):

 

Georgia asks for emergency delay on Obamacare - Washington Times

 

 

“Georgia consumers cannot afford these massive rate increases,” Mr. Hudgens wrote Ms. Sebelius. “President Obama promised Americans that Obamacare would lower rates, but here in Georgia insurance companies are demanding massive rate increases up to 198 percent for some individuals.”

I saw an interview with Mr. Hudgens last night. The 198 percent was for one rate. It seems to be getting some overplay as it the maximum rate in the discussion. But he did say rates for 'young people' (not sure the definition of that) were head up around 100% (2x).

 

And in something more local there is this:

 

Number of Kentucky Medicaid providers down 8 percent, review finds | Politics and Government | Kentucky.com

 

"The number of Medicaid providers in Kentucky has dropped 8 percent since the state moved to a managed care system in November 2011, according to a review of the system released Wednesday by State Auditor Adam Edelen's office.

 

Edelen said the decline raises concerns about the state's ability to provide adequate health care to an additional 300,000 Kentuckians who are expected to join Medicaid next year as part of the federal Affordable Care Act."

 

Read more here: Number of Kentucky Medicaid providers down 8 percent, review finds | Politics and Government | Kentucky.com

[Bluegrasscard]

Part of the cost is likely because it's a self funded plan, with an insurance company administering.

 

A lot of plans are self funded. So the company seams to be adjusting to the added cost elements. New significant charges for some relatively common items took effect already. These raised the actual cost to the consumer by well over 100% in some cases.

 

Of course the mandate to cover pre-existing conditions has to be paid for.

 

There was no cost containment measures in the bill. Its all extra cost.

 

And its not as if it was not already predicted.

 

WSJ in January:

 

Matthews and Litow: ObamaCare's Health-Insurance Sticker Shock - WSJ.com

 

"By contrast, Arizona, Arkansas, Georgia, Idaho, Iowa, Kentucky, Missouri, Ohio, Oklahoma, Tennessee, Utah, Wyoming and Virginia will likely see the largest increases—somewhere between 65% and 100%. Another 18 states, including Texas and Michigan, could see their rates rise between 35% and 65%."

 

How is your deductible? Ours is high - almost a $1,000 per person and around $4,000 family. So its almost more like catastrophic cover since you have spend $1,000 out of pocket before the insurance even kicks in.

[Bluto]

To those who opposed Obama & Obamacare, you have my sympathy.

 

 

 

 

To those who voted for Obama & his minions:

SUCKERS!

[hidinout]

First, I'll admit to being a Democrat. And believe it or not there's nothing wrong with that. It doesn't make me a bad person. Just like being a conservative doesn't automatically make you right. I've said several times on this site that there are problems with this legislation. I still believe the focus is wrong, and that we need to get control of escalating healthcare costs. But providing better and guaranteed access to health insurance isn't necessarily a bad thing. The management of this whole process really concerns me. But how can you not admit or see that there is plenty of blame to go around, and there are parties that are exploiting this opportunity to gouge customers, whether its the companies they work for, or the insurance providers. It's equally funny when the conservatives rush to judgement, and automatically focus all the blame on the legislation, as if there cannot be some other explanation. Remember, insurance premiums have been steadily rising for the last 10-15 years, well before Obamacare, and during the 8 years of the Bush administration. Obamacare certainly wasn't the cause then. The real truth I believe lies somewhere in the middle of the two extremes. Both sides need to swallow their pride and work together to find a palatable and effective solution for the issue, rather than this silly blame and finger pointing game.

 

 

Yes rates were rising and YES something needs to be done . Socializing the whole system is NOT the answer . And like it or not this plan was shoved down the throats of all americans by a minority in power . As far as " rushing to blame the legislation " ?? it a direct reflection of the legislation that rates are skyrocketing at a % far far above anything seen in previous admin' both D and R . Its a terrible plan . Just own it .

[hidinout]

And no it doesnt make you a bad person at all. Just misguided politically .

[Mitch Rapp]

And no it doesnt make you a bad person at all. Just misguided politically .

In the words of our last great president:

 

“It isn't so much that liberals are ignorant. It's just that they know so many things that aren't so.”

 

 

― Ronald Reagan

[Mitch Rapp]

Milton Friedman had some very good recommendations about improving the quality and availability of medical services in this country through the free market. Obamacare will accomplish the opposite goals by further removing our medical care system from the free market. I also totally agree with his suggestion for rolling welfare programs up into one lump sum payment and let them decide how to spend it.

 

[video=youtube_share;-6t-R3pWrRw]

[Hellbird]

My wife's company had a meeting today about the company insurance and here are the direct results of Obamacare. Up to this year the company would pay for my spouse's insurance and one spouse or dependent. Starting immediately because of rate increases to keep a dependent on the insurance it will be $500.00 a month, for a spouse $700.00, for a family plan $1400.00 a month. For the family plan my wife would lose half of her bring home pay each month just for insurance.

 

My company Lready instituted something similar a year ago in anticipation to Obamacare. I used to just be on my wife's health insurance but companies are now forcing employees if their spouses company offers health insurance that the spouse must take their companies insurance and the other spouse must take their companies which ended up costing us over 5k a year more.