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  1. #241
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    How do you know they were happy. I highly doubt many people would go for a screening mammogram if it cost them $. Preventive care being free saves us all money eventually. We can catch things early (cheaper) then later (more expensive)
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    In my currant insurance that will end in December all preventive care is free. All of the cancer screaming I had done was 100 percent covered. There was maternity coverage. All local doctors and hospitals excepted the coverage. My deductable was $2000 for an individual $4000 for the family. I have not heard anything about the Obamacare plans to indicate that they are any better than what I already had. However the plan I have now will no longer exists.

    ~Bonita~

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    There were essential care requirements...so if your plan is going to cease to exist, it is because it did not meet at least one of those essential care requirements. And its hard to pinpoint which one without knowing exactly what plan it is. So you can talk about what it DOES have, but its what it doesn't have that is causing it to cease to exist.
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    But was good coverage. Nothing I needed was not covered. It simply was not true to say if I liked my currant coverage I can keep it. There is no way to spin it differently. It was not true. They need to admit that and move on.

    ~Bonita~

  5. #245
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    Quote Originally Posted by AlyssaEimers View Post
    But was good coverage. Nothing I needed was not covered. It simply was not true to say if I liked my currant coverage I can keep it. There is no way to spin it differently. It was not true. They need to admit that and move on.
    Bonita, you don't know what you need. How you are now, is not how you are necessarily going to be always. Thats one big point of insurance...to cover the unexpected.

    ETA: In reality, i don't think a lot of people put a lot of thought into what is needed in their plan. Admittedly i didn't put much thought into it! My employer said "this is the plan we offer" and i took it. And my experience up until now has been GREAT. So if you asked me if i liked my plan and it fit my needs...i'd probably say yes. But not everything that might happen to me has up to this point and frankly, i haven't read my plan in detail...and if i found out that say...rehabilitation services were not covered under my plan once i experienced a serious injury. I'd have some real problems...problems that health insurance should actually take care of.
    Last edited by KimPossible; 11-01-2013 at 10:17 AM.

  6. #246
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    FTR- I think my plan did meet all of the regulations, but because of all the headache DH' s employer is not offering its own insurance any more. What is in its place is much worse than what I have. Lots of plans are closing down for more reasons than just the Grandfather claws. I have several friends that work at Lowes. They could buy insurance through Lowes. It was not the most wonderful plans, but they could go to the doctor or hospital if needed. Lowes (at least locally) is no longer going to offer insurance to those people. There may be something better than Obamacare instead, but there currant coverage is gone. President Obama did not say "If you like your insurance you can keep it unless your employer stops offering insurance due to the regulations or unless your plan has changed and does not meet the regulations." President Obama said "If you like your insurance you can keep it. Period." That was a lie. Every president from the beginning of our country has probably lied at some point, but now that it is known it needs to be acknowledged.

    ~Bonita~

  7. #247
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    Quote Originally Posted by KimPossible View Post
    Bonita, you don't know what you need. How you are now, is not how you are necessarily going to be always. Thats one big point of insurance...to cover the unexpected.

    ETA: In reality, i don't think a lot of people put a lot of thought into what is needed in their plan. Admittedly i didn't put much thought into it! My employer said "this is the plan we offer" and i took it. And my experience up until now has been GREAT. So if you asked me if i liked my plan and it fit my needs...i'd probably say yes. But not everything that might happen to me has up to this point and frankly, i haven't read my plan in detail...and if i found out that say...rehabilitation services were not covered under my plan once i experienced a serious injury. I'd have some real problems...problems that health insurance should actually take care of.
    In the past year I have had a cancer scare where I needed an ultrasound on my ovaries and breasts, a uti that spread to my kidneys and blood and a kidney stone requiring 2 surgeries, PCOS and high blood pressure that has required many doctors apts and several medications. Everything was covered. I think it is very fair to say that I know that it is good insurance.

    ~Bonita~

  8. #248
    Posting Addict KimPossible's Avatar
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    Quote Originally Posted by AlyssaEimers View Post
    FTR- I think my plan did meet all of the regulations, but because of all the headache DH' s employer is not offering its own insurance any more.
    Can you be more specific about what "all the headaches" specifically are. What does that mean exactly. I'm looking for the specifics.

    DH's company decided to stop offering a plan too. Instead they are offering a stipend. They did the research work and determined that by offering a stipend and having their employees use the exchange to get their insurance, it actually becomes cheaper for both the company AND the employees.

    What is in its place is much worse than what I have.
    What is it that they are offering in its place exactly? To me, this sounds like a company decision and possibly a poorly managed one. I don't think you can specifically blame it on the ACA unelss you can actuall provide the specifics on your DH's company's decisions.

    I have several friends that work at Lowes. They could buy insurance through Lowes. It was not the most wonderful plans, but they could go to the doctor or hospital if needed.
    Well thats a loaded statement. Your second half of that bolded statement is so generic. How about we talk about actual specifics of healthcare and see how much this "not so wonderful plan" would actually do for them...if they got say..into a serious injury, or came down with a serious disease, or how much preventative care is offered ot lower the overall healthcare costs of our nation. Its hard to take it seriously when the sentence is started with "its not the most wonderful plan"


    Lowes (at least locally) is no longer going to offer insurance to those people. Thee may be something better than Obamacare instead, but there currant coverage is gone. President Obama did not say "If you like your insurance you can keep it unless your employer stops offering insurance due to the regulations or unless your plan has changed and does not meet the regulations." President Obama said "If you like your insurance you can keep it. Period." That was a lie. Every president from the beginning of our country has probably lied at some point, but now that it is known it needs to be acknowledged.
    Well you can get hung up on the specific of his words. But i'd question how much you actually disagree with the concept of essential coverage requirements. Is it that you do not agree with that as a concept? Should we have allowed people to keep plans that won't actually provide coverage at the times where it is highly expensive and badly needed? Or help in covering things that lower the costs of healtcare as a nation (preventative)? Or are we just going to sit here and whine about how it wasn't worded correctly...even if you do agree with the actual concept.
    Last edited by KimPossible; 11-01-2013 at 10:39 AM.

  9. #249
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    Quote Originally Posted by KimPossible View Post
    Bonita, you don't know what you need. How you are now, is not how you are necessarily going to be always. Thats one big point of insurance...to cover the unexpected.

    ETA: In reality, i don't think a lot of people put a lot of thought into what is needed in their plan. Admittedly i didn't put much thought into it! My employer said "this is the plan we offer" and i took it. And my experience up until now has been GREAT. So if you asked me if i liked my plan and it fit my needs...i'd probably say yes. But not everything that might happen to me has up to this point and frankly, i haven't read my plan in detail...and if i found out that say...rehabilitation services were not covered under my plan once i experienced a serious injury. I'd have some real problems...problems that health insurance should actually take care of.
    But these weren't employer plans. These were individual plans and these people probably put a lot of thought into what they actually needed since they were spending their own money to buy them and had to shop around for their own policy.
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  10. #250
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    Quote Originally Posted by GloriaInTX View Post
    But these weren't employer plans. These were individual plans and these people probably put a lot of thought into what they actually needed since they were spending their own money to buy them and had to shop around for their own policy.
    You and I are talking about different things. I am talking about what Bonita brought up.

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