Has anyone in here actually signed up for Obamacare?

[CosmicCowboy]

How was it? Serious question. Were you able to sign up for an affordable plan you liked?

Trolls, please stay the fuck out of this thread.

[CosmicCowboy]

I have looked online and haven't found any real assistance of exactly what information you have to have access to when you go online to enlist. Has anyone seen a worksheet?

It's a serious question.

I want to run the numbers on my employees and see if it works for them and me.

[CosmicCowboy]

Has anyone seen signs in their doctors office that they won't be participating in it? My wife has. I haven't been to any doctors since it went into effect.

[The Gemini Method]

My friend who is in Philly has signed up for it and went for a check-up for bronchitis did. She said it was a long wait and they treated her like any other patient. I think she had a co-pay but I only know that she at least has insurance as she studies for her master's. Not sure how it would be for a business owner...but she made it seem like the process was arduous.

[DJR210]

Fuck no, the cheapest I saw online was fucking 155.00 a month. Fuck that bastard, I'll pay the fee the first year. What pisses me off is the goal is to close some of the deficit through the 10's of millions of young people who will pay for insurance and never go to the doctor or hospital, yet the US constantly wastes money like considering increasing the unemployment benefits to a year and half. We will be foreclosed on by Rogue's homeland soon enough..

[CosmicCowboy]

Fuck no, the cheapest I saw online was fucking 155.00 a month. Fuck that bastard, I'll pay the fee the first year. What pisses me off is the goal is to close some of the deficit through the 10's of millions of young people who will pay for insurance and never go to the doctor or hospital, yet the US constantly wastes money like considering increasing the unemployment benefits to a year and half. We will be foreclosed on by Rogue's homeland soon enough..

$155 is cheap as shit. That must be with government rebates. If I keep providing insurance under the mandates it's going to cost me at least $434 a month for an individual, $955 for a couple, and $1388 for a family. Maybe even up to 3% more.

[DJR210]

$155 is cheap as shit. That must be with government rebates. If I keep providing insurance under the mandates it's going to cost me at least $434 a month for an individual, $955 for a couple, and $1388 for a family. Maybe even up to 3% more.

It's more of a principal thing for me. Principal one is the bottom line being this is a tactic to recoup some of the 18 or whatever trillion we're in the hole.. Two, from 0.00 a month to 155.00 on some shit I use once every three years at the most? Now I'm not trying to come off as arrogant as I know good health is no given, but I feel I should be able to make the choice to have healthcare insurance.

[Holden_Caulfield]

do we have to? even if we are using the school insurance :lol

[Drachen]

Has anyone seen signs in their doctors office that they won't be participating in it? My wife has. I haven't been to any doctors since it went into effect.

First off, to answer your question, no, I don't have any experience with signing up since I am already compliant through my job.

Secondly, iI am curious how this will work with your wife's doctor since Obamacare isn't a product. You can't buy it. So the only logical interpretation of that sign that I can come up with is that the doctor is going to quit taking insurance.

I'll understand if you don't want to answer this in here since that train of conversation can very quickly derail this thread where I honestly beleive you are trying to get info.

[CosmicCowboy]

First off, to answer your question, no, I don't have any experience with signing up since I am already compliant through my job.

Secondly, iI am curious how this will work with your wife's doctor since Obamacare isn't a product. You can't buy it. So the only logical interpretation of that sign that I can come up with is that the doctor is going to quit taking insurance.

I'll understand if you don't want to answer this in here since that train of conversation can very quickly derail this thread where I honestly beleive you are trying to get info.

I think the issue is that the ACA mandated reimbursements are lower than regular insurance. Example a Blue Cross ACA plan reimburses lower than a regular Blue Cross private insurance plan. Doctors are opting out.

[Rogue]

As much as I hate this president, I have to admit that I would applaud an universal healthcare system because that's how things work out here in China. Families are not gonna get bankrupted by the hospitals just because someone in the family fell seriously sick. I mean Obama's ideology doesn't have no fault in itself, but Obama seems to just have overestimated the US government's power to execute such a grand reform imho. Obama wanted to duplicate in US what the Chinks managed to do in China, but he obviously failed to find a feasible way to get everything done. First of all, in the US you should never overlook the people's natural resentment/hatred against socialism, in whatever form.

[spurraider21]

nah, i'm on my parents plan for now, though my dad is switching companies so i'ma go with my school insurance plan for a while

[The Reckoning]

jimmy kimmel actually had a funny skit about how americans spend millions of dollars each year on medicare for penis pumps.


lol at young healthy americans being mandated to buy penis pumps for CC.

[SnakeBoy]

Secondly, iI am curious how this will work with your wife's doctor since Obamacare isn't a product. You can't buy it. So the only logical interpretation of that sign that I can come up with is that the doctor is going to quit taking insurance.


No, it just means they are not accepting the ACA compliant plans. My wife's practice does not accept those plans. Not for any reason specific to ACA plans, they only accepted a few plans to begin with. Most of their patients pay at the time of service and then deal with insurance reimbursement themselves. They don't accept medicare assignment either.

[Drachen]

No, it just means they are not accepting the ACA compliant plans. My wife's practice does not accept those plans. Not for any reason specific to ACA plans, they only accepted a few plans to begin with. Most of their patients pay at the time of service and then deal with insurance reimbursement themselves. They don't accept medicare assignment either.

So her practice only accepts insurance from people who are going to pay the penalty?

[Fabbs]

1st appt today went flawlessly.
We shall see if the referrals to specialists also go well.

[The Reckoning]

gj fapps

[DUNCANownsKOBE]

jimmy kimmel actually had a funny skit about how americans spend millions of dollars each year on medicare for penis pumps.


lol at young healthy americans being mandated to buy penis pumps for CC.

Don't forget the billions we spend to keep 85+ year olds who are borderline brain dead alive for a few more years where they do nothing but lay in a bed of their own piss and shit. The "death panels" tea baggers rant about on TV would be a great fuckin idea in this country.

[mFFL03]

It's more of a principal thing for me. Principal one is the bottom line being this is a tactic to recoup some of the 18 or whatever trillion we're in the hole.. Two, from 0.00 a month to 155.00 on some shit I use once every three years at the most? Now I'm not trying to come off as arrogant as I know good health is no given, but I feel I should be able to make the choice to have healthcare insurance.

I've worked for 3 different corporations, price for health insurance has ranged from $130-160 per month, and that's just for a single man. Insurance is not a pair of air jordans, it's Insurance. It's not a product you usually need until, well you need it.

You probably need to look for a plan that has a high deductible with no monthly premium. But, having a high deductible means you probably need to meet the cost of $5,000 - $8,000 for medical bills before certain any health insurance company will start paying anything. So you need to have 5K on hand at all times in case something happens, most people don't have that discipline.

[NFO]

jimmy kimmel actually had a funny skit about how americans spend millions of dollars each year on medicare for penis pumps.

I'm sure Kool took advantage of getting his hands on a penis
















pump.

[DUNCANownsKOBE]

Why don't people complain at all about having to carry car insurance but they do health insurance? The penalties for not carrying car insurance are much harsher and car insurance is a much bigger rip-off than health insurance. I've never caused an accident in my life but since I'm a 23 year old guy I spend $1000 a year on a car insurance policy just to meet Texas requirements. When are the tea baggers gonna tell the government not to tread on me?

[DJR210]

I've worked for 3 different corporations, price for health insurance has ranged from $130-160 per month, and that's just for a single man. Insurance is not a pair of air jordans, it's Insurance. It's not a product you usually need until, well you need it.

You probably need to look for a plan that has a high deductible with no monthly premium. But, having a high deductible means you probably need to meet the cost of $5,000 - $8,000 for medical bills before certain any health insurance company will start paying anything. So you need to have 5K on hand at all times in case something happens, most people don't have that discipline.

Good post. I need to see what my employer has to offer next enrollment, I heard they offer better deals. I missed the deadline cause I was too busy in "fuck Obama" mode.

[DJR210]

Why don't people complain at all about having to carry car insurance but they do health insurance? The penalties for not carrying car insurance are much harsher and car insurance is a much bigger rip-off than health insurance. I've never caused an accident in my life but since I'm a 23 year old guy I spend $1000 a year on a car insurance policy just to meet Texas requirements. When are the tea baggers gonna tell the government not to tread on me?

I complained about car insurance when I was 23 too. I pay 30 bucks for insurance these days, much easier to accept. Plus, car insurance isn't to bail us out of the trillions spent on defense and spying on the American public.

[SnakeBoy]

So her practice only accepts insurance from people who are going to pay the penalty?

How did you come to that conclusion? I'm not on an ACA plan and I'm not paying a penalty, you already said you aren't on an ACA plan and you aren't paying a penalty. With only 2 million people enrolled and the employer mandate yet to take effect it is a bit early to think that anyone not on an ACA plan is going to pay a penalty...don't you think?

To answer your question though...if a plan has a high enough reimbursement rate and the company isn't a pita to deal with they accept it, if it doesn't they don't. Like I said most of their patients pay at the time of service.

[Wild Cobra]

Why don't people complain at all about having to carry car insurance but they do health insurance? The penalties for not carrying car insurance are much harsher and car insurance is a much bigger rip-off than health insurance. I've never caused an accident in my life but since I'm a 23 year old guy I spend $1000 a year on a car insurance policy just to meet Texas requirements. When are the tea baggers gonna tell the government not to tread on me?
Car insurance if required for the privilege to drive. Are you suggesting that a person should not have the privilege to live if they don't buy insurance?

I didn't know there were undead among us. I though everyone was alive. However, not everyone drives.

[Mog]

Move this crap to the political forum.

[DMC]

As much as I hate this president, I have to admit that I would applaud an universal healthcare system because that's how things work out here in China. Families are not gonna get bankrupted by the hospitals just because someone in the family fell seriously sick. I mean Obama's ideology doesn't have no fault in itself, but Obama seems to just have overestimated the US government's power to execute such a grand reform imho. Obama wanted to duplicate in US what the Chinks managed to do in China, but he obviously failed to find a feasible way to get everything done. First of all, in the US you should never overlook the people's natural resentment/hatred against socialism, in whatever form.
That's fine as long as people don't mind paying 50% income taxes, being biologically restricted to one child and being forced to live 40 to a trailer home.

[DMC]

Why don't people complain at all about having to carry car insurance but they do health insurance? The penalties for not carrying car insurance are much harsher and car insurance is a much bigger rip-off than health insurance. I've never caused an accident in my life but since I'm a 23 year old guy I spend $1000 a year on a car insurance policy just to meet Texas requirements. When are the tea baggers gonna tell the government not to tread on me?

You're not required to carry full coverage though, only liability. A person should be allowed to sign a waiver of treatment, if you get injured or sick, you're fucked unless you have cash. I don't have a problem with that. I can see how some might feel it's a violation of the Hippocratic oath but that's about as sacred as marriage, and just like marriage people want to pretend it's taboo to violate it but the economy pretty much requires it.

[Jacob1983]

We also pay for old people diapers too. The best option is to get a job that offers you benefits and hopefully you can catch a break with their insurance. Obamacare is a turd of a failure.

[DUNCANownsKOBE]

I complained about car insurance when I was 23 too. I pay 30 bucks for insurance these days, much easier to accept. Plus, car insurance isn't to bail us out of the trillions spent on defense and spying on the American public.
Neither is Obamacare. Obamacare is to bail out the trillions we spend on private, for profit healthcare because people like you have been brainwashed into thinking a single payer system would be evil and horrible.


Car insurance if required for the privilege to drive. Are you suggesting that a person should not have the privilege to live if they don't buy insurance?

I didn't know there were undead among us. I though everyone was alive. However, not everyone drives.
:lmao "privilege to drive". Good luck getting around the state of Texas, or anywhere else in America sans NYC for that matter, without a car. Driving is a necessity in this country.

Why should I have to buy insurance for the privilege to drive? My driving record is spotless. I'm subsidizing the shitty drivers and making their insurance affordable just like the supposedly healthy people subsidizing older people by buying health insurance.


You're not required to carry full coverage though, only liability. A person should be allowed to sign a waiver of treatment, if you get injured or sick, you're fucked unless you have cash. I don't have a problem with that. I can see how some might feel it's a violation of the Hippocratic oath but that's about as sacred as marriage, and just like marriage people want to pretend it's taboo to violate it but the economy pretty much requires it.
Why should I have to carry liability? I've never been a liability as a driver yet I pay out the ass, while the old people and women who suck at driving and actually do cause accidents pay a pittance compared to me.

[Koolaid_Man]

Fuck no, the cheapest I saw online was fucking 155.00 a month. Fuck that bastard, I'll pay the fee the first year. What pisses me off is the goal is to close some of the deficit through the 10's of millions of young people who will pay for insurance and never go to the doctor or hospital, yet the US constantly wastes money like considering increasing the unemployment benefits to a year and half. We will be foreclosed on by Rogue's homeland soon enough..

:lmao you are the gift that keeps on giving...now I see why you hate me...that's a lot of money to you right? :lmao ohh shit I'm laughing so hard my stomach is hurting :lmao

$155 a month for healthcare...:lmao

[Koolaid_Man]

nah, i'm on my parents plan for now, though my dad is switching companies so i'ma go with my school insurance plan for a while

oohhh so you're a bitch :lmao

[Koolaid_Man]

Why don't people complain at all about having to carry car insurance but they do health insurance? The penalties for not carrying car insurance are much harsher and car insurance is a much bigger rip-off than health insurance. I've never caused an accident in my life but since I'm a 23 year old guy I spend $1000 a year on a car insurance policy just to meet Texas requirements. When are the tea baggers gonna tell the government not to tread on me?

The TEAliban didn't exist in the years preceding the black pres...they were just fine with the status quo...government intrusion is code KKK terms

[Koolaid_Man]

Neither is Obamacare. Obamacare is to bail out the trillions we spend on private, for profit healthcare because people like you have been brainwashed into thinking a single payer system would be evil and horrible.


:lmao "privilege to drive". Good luck getting around the state of Texas, or anywhere else in America sans NYC for that matter, without a car. Driving is a necessity in this country.

Why should I have to buy insurance for the privilege to drive? My driving record is spotless. I'm subsidizing the shitty drivers and making their insurance affordable just like the supposedly healthy people subsidizing older people by buying health insurance.


Why should I have to carry liability? I've never been a liability as a driver yet I pay out the ass, while the old people and women who suck at driving and actually do cause accidents pay a pittance compared to me.

You seem to be a smart white guy so I will let you fight this argument for me...I'm sure you'll represent me well - thanks bro

[Bender]

I tried off and on for a month or so, but could never get it working (the website). I will get hit with the penalty most likely. The quotes I got were very expensive. ACA.... lol

[DMC]

Why should I have to carry liability? I've never been a liability as a driver yet I pay out the ass, while the old people and women who suck at driving and actually do cause accidents pay a pittance compared to me.

I agree with that. I just don't think telling you that you have to be personally covered for medical reasons is the same as saying you have to have the coverage for liability. You have the right to not see a doctor, so why shouldn't you have the right to not have medical coverage on yourself (kids are different)?

Insurance companies profile just like police do. They put you in a high risk group and you pay more even if you've not done anything to show you're a higher risk. I don't know how to rectify that though, since young people do get into a lot of accidents. I always found it odd that chicks wreck every car they own and yet the guy's insurance rates are higher. I guess guys drive more often?

It's a money grab, no different than how the tax collectors would rob towns of all their wealth, just for the monarchy. Now it's done under the guise of "best for society".

I pay about 50 bucks a month for full coverage.

[DJR210]

:lmao you are the gift that keeps on giving...now I see why you hate me...that's a lot of money to you right? :lmao ohh shit I'm laughing so hard my stomach is hurting :lmao

$155 a month for healthcare...:lmao

Don't you have some dudes you can be cybering with on Eharmony?

[spurraider21]

oohhh so you're a bitch :lmao
either than or i'm a 22 year old college student

[CosmicCowboy]

I tried off and on for a month or so, but could never get it working (the website). I will get hit with the penalty most likely. The quotes I got were very expensive. ACA.... lol

I just tried to sign up to check it out...went through 20+ pages of application, did the e-mail verification thing...got right to the signature page and it crashed and lost all my info...

[Drachen]

I think the issue is that the ACA mandated reimbursements are lower than regular insurance. Example a Blue Cross ACA plan reimburses lower than a regular Blue Cross private insurance plan. Doctors are opting out.

Thank you, I looked it up and it seems that this is mostly correct. So it's not necessarily ACA plans, the just aren't accepting any plans that pay less than x amount of dollars.

[Drachen]

How did you come to that conclusion? I'm not on an ACA plan and I'm not paying a penalty, you already said you aren't on an ACA plan and you aren't paying a penalty. With only 2 million people enrolled and the employer mandate yet to take effect it is a bit early to think that anyone not on an ACA plan is going to pay a penalty...don't you think?

To answer your question though...if a plan has a high enough reimbursement rate and the company isn't a pita to deal with they accept it, if it doesn't they don't. Like I said most of their patients pay at the time of service.
You said that they don't accept ACA compliant plans. If it isn't compliant, then you pay the penalty. For the umpteenth time, ACA isn't a product. If you have insurance, and are not paying the fee, then your insurance is aca compliant.

[JudynTX]

No

[SnakeBoy]

You said that they don't accept ACA compliant plans. If it isn't compliant, then you pay the penalty. For the umpteenth time, ACA isn't a product. If you have insurance, and are not paying the fee, then your insurance is aca compliant.

<sigh> My plan is not ACA compliant, it's grandfathered. Your plan may or may not be, employer mandates haven't started yet.

[Spanklin]

Fuck no, the cheapest I saw online was fucking 155.00 a month. Fuck that bastard, I'll pay the fee the first year. What pisses me off is the goal is to close some of the deficit through the 10's of millions of young people who will pay for insurance and never go to the doctor or hospital, yet the US constantly wastes money like considering increasing the unemployment benefits to a year and half. We will be foreclosed on by Rogue's homeland soon enough..

You're the type who never pays, gets cancer and begs society to save you when you got no insurance. Stop being such a cheap ass and pay your fair share.

[DJR210]

You're the type who never pays, gets cancer and begs society to save you when you got no insurance. Stop being such a cheap ass and pay your fair share.

:lol GTFO here with that shit. I'm the type that has been fortunate enough to never be hospitalized, and pays cash to see a doc.

[Spanklin]

:lol GTFO here with that shit. I'm the type that has been fortunate enough to never be hospitalized, and pays cash to see a doc.

And now we're fortunate enough for the law to fine your ass for being a deadbeat. It's a nice little punishment for anarchists who think unemployment benefits in bad labor markets with no jobs is a waste of money. :lol:lol:lol

[Drachen]

<sigh> My plan is not ACA compliant, it's grandfathered. Your plan may or may not be, employer mandates haven't started yet.

Ok, fair enough. There is a possibility that your insurance company decided to wait until their deadline to get their plan to comply. They have until The end of this year to make the changes. They weren't really grandfathered in so much as their deadline hasn't passed. So yes, your wife can take aca non compliant policies for another year.

[SnakeBoy]

There is a possibility that your insurance company decided to wait until their deadline to get their plan to comply. They have until The end of this year to make the changes.

No. My plan was grandfathered because it had not changed since obamacare was passed. It is no longer offered by bcbs. Eventually I'm sure they will send me a cancellation notice and I can get one of the new ACA plans with similar benefits for roughly 2.5 times what I was paying. Or I can pay roughly the same as I have been for far less benefits.

My premium had not increased for 11 years (only decreased) until this year when the insurance companies had to use the ACA standards to calculate premiums. Since they can no longer use individual health as a factor in determining premiums I saw a 20% increase in my premium for 2014.

So either way my insurance company gets extra money out of me and I get nothing in return.

[CosmicCowboy]

No. My plan was grandfathered because it had not changed since obamacare was passed. It is no longer offered by bcbs. Eventually I'm sure they will send me a cancellation notice and I can get one of the new ACA plans with similar benefits for roughly 2.5 times what I was paying. Or I can pay roughly the same as I have been for far less benefits.

My premium had not increased for 11 years (only decreased) until this year when the insurance companies had to use the ACA standards to calculate premiums. Since they can no longer use individual health as a factor in determining premiums I saw a 20% increase in my premium for 2014.

So either way my insurance company gets extra money out of me and I get nothing in return.


Yep. You youngsters get screwed and older sick people get cheaper insurance. There is your hope and change.

[SnakeBoy]

Yep. You youngsters get screwed and older sick people get cheaper insurance. There is your hope and change.

Well I'm 46 so I'm probably not that far away from benefiting from obamacare. It is funny though that the age group that most supported obamacare is also the age group that will take in the ass the most.

[CosmicCowboy]

Well I'm 46 so I'm probably not that far away from benefiting from obamacare. It is funny though that the age group that most supported obamacare is also the age group that will take in the ass the most.

No shit. When they ones that say they don't need insurance realize that they are having 2% of their pretax income taken away to fund insurance for others (which instead of 2% could be 3% or 4% or 5% or 10% with the stroke of a pen and without a vote) they are going to realize just how bad they fucked themselves.

[Koolaid_Man]

I signed up for Obama care and it was easy. Got everything I was looking for and pay a decent rate too. I think this will help me in the long run and it shows I'm not a burden on the healthcare system. It was fast easy and efficient to sign up and did I mention the low rate...

[CosmicCowboy]

I signed up for Obama care and it was easy. Got everything I was looking for and pay a decent rate too. I think this will help me in the long run and it shows I'm not a burden on the healthcare system. It was fast easy and efficient to sign up and did I mention the low rate...

Low rate? The Koolaid Man is on the Medicaid freebee rate?

LMAO @ our stupid colored friend. Now that you are exposed you should call the NAACP about a scholarship. maybe even a trade school. There is still hope for you if you apply yourself.

[mFFL03]

You're the type who never pays, gets cancer and begs society to save you when you got no insurance. Stop being such a cheap ass and pay your fair share.

God I remember one year I did a volunteer job with the Red Cross installing smoke detectors in the "poor side" of town. Every house we entered had a flat screen TV, a cable box, appliances, and a/c. I started to question and say, "I don't think these people are poor...they're just stupid and lazy! There's a difference between poor and being cheap." My parents grew up poor with non of the above. Never volunteered for that shit again.

[rascal]

It's more of a principal thing for me. Principal one is the bottom line being this is a tactic to recoup some of the 18 or whatever trillion we're in the hole.. Two, from 0.00 a month to 155.00 on some shit I use once every three years at the most? Now I'm not trying to come off as arrogant as I know good health is no given, but I feel I should be able to make the choice to have healthcare insurance.

You should have the choice only if you're willing to pay for it if you have something serious that needs medical care.

[Bill_Brasky]

I just want a universal system man. That's it.

Of course, if anyone really tried it, pro-insurance lobby politicians would just undermine and sabotage it, then declare it a failure.