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  1. #31
    Posting Addict GloriaInTX's Avatar
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    Here is the list of employers that are cutting hours for part time employees so they don't have to cover them. Many of them had health plans that covered part time employees for low cost, but with Obamacare the coverage rules are so strict that the companies are dropping these plans rather than pay the steep cost of making them complaint. The list is growing, and this is just a list of the employers that are cutting hours, not the ones that are not hiring or laying people off so their business can stay below the 50 person cut off. So now all these people are losing money out of their paycheck with reduced hours and then having to pay for their coverage out of the exchanges for typically either the same or more money for less coverage. The only way the insurance companies are able to offer these plans is with a reduced list of doctors/hospitals that they can go to, so all the people who are now having to buy their coverage off the exchange are going to be competing for this same reduced list of doctors and the waiting list to see a doctor is going to be so long that what are they going to do? Go to the ER. So after all this the result will be the same it will just cost everyone more money and jobs along the way.

    ObamaCare Employer Mandate: A List Of Cuts To Work Hours, Jobs - Investors.com
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  2. #32
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    Is it common for part time employees to have access to health insurance? Even pre HCR in Mass. I knew of no one that worked part time and had access to health insurance through an employer.
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  3. #33
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    It's not common for part timers around here to have health insurance.

  4. #34
    Posting Addict GloriaInTX's Avatar
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  5. #35
    Posting Addict KimPossible's Avatar
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    Why mini-med programs are bad a should not be sold as 'health insurance'
    Mini-Med Health Plans Useless to Consumers - ABC News

    you can find tons of articles on why these mini-med programs are crap and should not be touted as health insurance coverage.

    From the above article
    "Health insurance plans are structured to protect you when you're sick," said Metcalf. "But these make people so much more vulnerable if they actually get sick."
    And you misunderstand the waiver thing. That is an old article and the waiver carries over until 2014 and then ends when the exchanges become available, which are subsidized. In this way companies do not end their coverage early leaving their employees with a gap in available coverage between way back then when that article was published and the beginning of next year.
    Last edited by KimPossible; 10-01-2013 at 11:23 AM.

  6. #36
    Posting Addict GloriaInTX's Avatar
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    Quote Originally Posted by KimPossible View Post
    Why mini-med programs are bad a should not be sold as 'health insurance'
    Mini-Med Health Plans Useless to Consumers - ABC News

    you can find tons of articles on why these mini-med programs are crap and should not be touted as health insurance coverage.

    From the above article


    And you misunderstand the waiver thing. That is an old article and the waiver carries over until 2014 and then ends when the exchanges become available, which are subsidized. In this way companies do not end their coverage early leaving their employees with a gap in available coverage between way back then when that article was published and the beginning of next year.
    So I guess those are just more part time employees added to the list that had coverage that will now be on the exchanges. I'm pretty sure if I was in that situation I would rather have one of the mini-med programs than to pay double the price (plus have my working hours cut) to be on one of these coverage plans that the exchanges are selling where only a limited few doctors are even going to accept the coverage. It will be just like Medicaid there will just be a few doctors that take patients because the reimbursement rates are so low that it isn't worth it for the doctor to accept. It doesn't do any good to have insurance if the waiting list to get in to see the doctor is so long you can't get in anyway.
    Last edited by GloriaInTX; 10-01-2013 at 11:43 AM.
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  7. #37
    Posting Addict KimPossible's Avatar
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    You are ignoring the fact that those mini-med programs are bad. Why on earth would you want that more? There is a REASON why they are not allowed anymore.

  8. #38
    Posting Addict GloriaInTX's Avatar
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    Quote Originally Posted by KimPossible View Post
    You are ignoring the fact that those mini-med programs are bad. Why on earth would you want that more? There is a REASON why they are not allowed anymore.
    And you are ignoring the fact that these plans purchased on the exchanges may not be much better. From the article I posted above.

    From California to Illinois to New Hampshire, and in many states in between, insurers are driving down premiums by restricting the number of providers who will treat patients in their new health plans.

    When insurance marketplaces open on Oct. 1, most of those shopping for coverage will be low- and moderate-income people for whom price is paramount. To hold down costs, insurers say, they have created smaller networks of doctors and hospitals than are typically found in commercial insurance. And those health care providers will, in many cases, be paid less than what they have been receiving from commercial insurers.

    Some consumer advocates and health care providers are increasingly concerned. Decades of experience with Medicaid, the program for low-income people, show that having an insurance card does not guarantee access to specialists or other providers.

    Consumers should be prepared for “much tighter, narrower networks” of doctors and hospitals, said Adam M. Linker, a health policy analyst at the North Carolina Justice Center, a statewide advocacy group.

    “That can be positive for consumers if it holds down premiums and drives people to higher-quality providers,” Mr. Linker said. “But there is also a risk because, under some health plans, consumers can end up with astronomical costs if they go to providers outside the network.”
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  9. #39
    Posting Addict KimPossible's Avatar
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    cardassians
    Last edited by KimPossible; 10-01-2013 at 12:10 PM.
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  10. #40
    Posting Addict KimPossible's Avatar
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    Quote Originally Posted by GloriaInTX View Post
    And you are ignoring the fact that these plans purchased on the exchanges may not be much better. From the article I posted above.
    All predictive with little proof or information about specific plans or what is actually going to happen. And in the end, a mini-med program will leave someone with NO coverage if they get sick. Its pretty straight forward and obvious in the writing of said plans.

    You can try to make it sound worse than a mini-med plan but you aren't going to convince me of that.
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