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Thread: Obamacare is almost here

  1. #161
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    Wow. They just posted the numbers for insurance for next year. This is the gold, silver, and bronze plan with being supplemented. I had so hoped that the coverage would at least be comparable to what we had before. It is not. It covers less for a whole lot more money. Universal Health Care might be a good idea in theory, but I just want to say these plans suck. The new Out of Pocket deductibles will be (for a family) $8k for the gold, $10k for the silver, and $12k for the bronze.


    http://www.walkerschools.org/wp-cont...lan-Design.pdf
    http://www.walkerschools.org/wp-cont...2014-Rates.pdf

    The plans are I believe HRA, so nothing will be paid until the deductible is met. I can tell you right now that means that our children will only being going to the doctor when we feel it is absolutely necessary.

    I am hoping the health exchange website will be up soon so I can see if buying directly from them will be any cheaper or better. Oh how I wish I could keep the coverage I have right now...

    ~Bonita~

  2. #162
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    Quote Originally Posted by AlyssaEimers View Post
    Wow. They just posted the numbers for insurance for next year. This is the gold, silver, and bronze plan with being supplemented. I had so hoped that the coverage would at least be comparable to what we had before. It is not. It covers less for a whole lot more money. Universal Health Care might be a good idea in theory, but I just want to say these plans suck. The new Out of Pocket deductibles will be (for a family) $8k for the gold, $10k for the silver, and $12k for the bronze.


    http://www.walkerschools.org/wp-cont...lan-Design.pdf
    http://www.walkerschools.org/wp-cont...2014-Rates.pdf

    The plans are I believe HRA, so nothing will be paid until the deductible is met. I can tell you right now that means that our children will only being going to the doctor when we feel it is absolutely necessary.

    I am hoping the health exchange website will be up soon so I can see if buying directly from them will be any cheaper or better. Oh how I wish I could keep the coverage I have right now...
    Bonita, you are reading the plans wrong. The gold plan has a deductible of 3000.00 for the family. (if you use the in network doctors) Preventive care at no cost. 8000 is the most you pay at all but it would go something like this instead:

    1. Pay deductible first.
    2. Then pay copays or coinsurance (this grid doesn't specify except for medications.)

    Plus the HRA is employer funded. They are giving you 800.00 to use towards your bills.

    Do they have an FSA you can fund? It's pre tax. I'm not a huge fan of them but they can help save for future bills if you aren't a good saver to begin with. I hate that it is a use it or lose it though.
    Mom to Elizabeth (6) and Corinne (4)

  3. #163
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    Quote Originally Posted by KimPossible View Post

    ETA one more time: And i do question your intimate knowledge of your single white male friends plans and how good they actually are. I really don't go prodding into people's specific coverage.
    I never saw this before going back through the debate. I do know what DH paid for insurance and I do know what BIL pays. Also, among people who are strongly against Obamacare, this is a topic of conversation.
    Quote Originally Posted by Alissa_Sal View Post
    From the article:

    "The plan that Cannon selected for Chad was Wellpoint?s SmartSense Plus 10,000 POS plan, and if you think you know what the POS stands for, you?re not far off. That plan has two separate deductibles of $10,000.00 each, and out-of-pocket maximums totaling $10,500.00, for a grand total of $30,500.00 in out of pocket expenses. Obamacare?s Bronze plans, by contrast, have an annual out-of-pocket maximum of $6,350."
    ----
    Holy Mother Of! That's not insurance, that's a freaking scam!!!!

    Also, so he doesn't qualify for subsidies because he should qualify for Medicaid (which the federal government will pay for) but he also doesn't qualify for Medicaid because the GA governor refuses to expand Medicaid even though the federal government will pay for it for 3 years.....But they aren't hostile to poor people or anything. And Darn Obamacare for making it so that this poor guy can't buy an "insurance policy" that is completely freaking horrible and basically a huge waste of money unless something truly truly catastrophic happens, and even then there is enough fine print that they would probably still get out of paying for it...he should be free to get totally screwed because AMERICA.
    The plans are not much if any better than was posted as a scam.

    ~Bonita~

  4. #164
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    I am really hoping there will be a better plan going through the Marketplace directly. I do not know for sure because I can not get the website to give me real numbers. DH has until November 8th to enrol through his employer. At this point I am not trying to be argumentative, I am just very discouraged about the plans. The deductibles and maximum out of pockets are just a lot higher than I was anticipating.

    I just read that if insurance is available through your employer you are not typically able to get discounts through the exchanges.

    ~Bonita~

  5. #165
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    Quote Originally Posted by Jessica80 View Post
    Bonita, you are reading the plans wrong. The gold plan has a deductible of 3000.00 for the family. (if you use the in network doctors) Preventive care at no cost. 8000 is the most you pay at all but it would go something like this instead:

    1. Pay deductible first.
    2. Then pay copays or coinsurance (this grid doesn't specify except for medications.)

    Plus the HRA is employer funded. They are giving you 800.00 to use towards your bills.

    Do they have an FSA you can fund? It's pre tax. I'm not a huge fan of them but they can help save for future bills if you aren't a good saver to begin with. I hate that it is a use it or lose it though.
    The plan I have now is equal to or better than the gold plan on the chart. However it is more than $100 per month more than we are paying now, plus doctor visits are not a co-pay but towards the deductible. I have a lot of specialist doctors and the employer contributions would not cover very many of them. No matter how you slice it, this is going to be more expensive.

    ~Bonita~

  6. #166
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    I understand but most employers have been doing this without ACA. They can't afford the additional costs of non deductible or low deductible plans.

    Which is also a part of ACA. It's a long journey.....to get affordable coverage we need everyone in....and then we can work on where we can save costs so that plans aren't insanely priced.

    Those deductibles are average to what I see daily.
    Mom to Elizabeth (6) and Corinne (4)

  7. #167
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    Quote Originally Posted by Jessica80 View Post

    Those deductibles are average to what I see daily.
    That brings us back to the TN man we were talking about before. He most definitely could have gotten much cheaper insurance than he can through Obamacare.

    ~Bonita~

  8. #168
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    But what I was saying to that....we don't know what the plan was. A bare minimum coverage is not good coverage for most long term medical issues so he's paying into something and not typically using it. We don't know what that plan was besides that maybe it was cheaper.
    Mom to Elizabeth (6) and Corinne (4)

  9. #169
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    Quote Originally Posted by AlyssaEimers View Post
    That brings us back to the TN man we were talking about before. He most definitely could have gotten much cheaper insurance than he can through Obamacare.
    That's why this whole thing is ridiculous. To cover the FEW people who needed insurance Obamacare messes up EVERYONE's coverage. It would make a lot more sense for the few who weren't covered because they couldn't afford it or with pre-existing conditions to go into a pool of people who can buy coverage with a tax funded subsidy then to force everyone to pay more for their health insurance to cover the sick. At least then it would come out of regular tax money instead of higher premiums so people would know exactly what they are paying for.
    AlyssaEimers likes this.
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  10. #170
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    Quote Originally Posted by GloriaInTX View Post
    That's why this whole thing is ridiculous. To cover the FEW people who needed insurance Obamacare messes up EVERYONE's coverage. It would make a lot more sense for the few who weren't covered because they couldn't afford it or with pre-existing conditions to go into a pool of people who can buy coverage with a tax funded subsidy then to force everyone to pay more for their health insurance to cover the sick. At least then it would come out of regular tax money instead of higher premiums so people would know exactly what they are paying for.
    Exactly. I read that because DH's work is offering insurance (It is not through his work, it is an exchange that they are contributing towards. His work will no longer offer insurance.) We will not qualify for any substantiates even though the plans are worse than what we already had. No matter how you spin it, Obamacare stinks for people in our situation.

    ~Bonita~

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