Affordable Care Act Anecdotes - if you have 'em post 'em

[boutons_deux]

Translation: "Stop disagreeing with me!"

she gave, I slapped back. she retorted, wimpering, with a GFY

[SnakeBoy]

My current individual market plan is $315 month for my wife and I. I've received a letter from BCBS telling me I can keep this plan (for now) or switch to one of their ACA plans. Their website actually works so I took a look at the quotes. In order to get the same benefits we currently get the new ACA plan will cost us $835/month. The cheapest ACA compliant plan is $392/month with fewer benefits than our current plan and a $6000 per individual deductible compared to our current $2500 per individual deductible.

The only additional benefits I can see on the ACA plans are maternity/pediatric/substance abuse coverage...none of which we need.

[TSA]

My current individual market plan is $315 month for my wife and I. I've received a letter from BCBS telling me I can keep this plan (for now) or switch to one of their ACA plans. Their website actually works so I took a look at the quotes. In order to get the same benefits we currently get the new ACA plan will cost us $835/month. The cheapest ACA compliant plan is $392/month with fewer benefits than our current plan and a $6000 per individual deductible compared to our current $2500 per individual deductible.

The only additional benefits I can see on the ACA plans are maternity/pediatric/substance abuse coverage...none of which we need.

But you're helping Stacy, Jeffrey, and Andrew.

[101A]

My current individual market plan is $315 month for my wife and I. I've received a letter from BCBS telling me I can keep this plan (for now) or switch to one of their ACA plans. Their website actually works so I took a look at the quotes. In order to get the same benefits we currently get the new ACA plan will cost us $835/month. The cheapest ACA compliant plan is $392/month with fewer benefits than our current plan and a $6000 per individual deductible compared to our current $2500 per individual deductible.

The only additional benefits I can see on the ACA plans are maternity/pediatric/substance abuse coverage...none of which we need.

I assume your renewal is prior to 1/1? I"m thinking this is the last year you can keep that plan.

[cheguevara]

is there ONE person in here that has been successfully enrolled and is insured and happy with Obamacare? anyone?

[boutons_deux]

Fox is pushing the propaganda that the govt knew MILLIONS would be forced to change their health insurance. Fox's message being that ACA pimps have been lying, but the minimum requirements for policies dictated by ACA have been known all along.

Heard a govt lady last night say yes, "junk" health insurance policies that were useless (high deductible, limited coverage, leading to medical personal bankruptcy if you really got sick, even after you spent $1000s on premiums) was terminated by the minimum requirements of ACA.

And of course, it's not ACA's fault if an insurance cancels your policy, they do that 100Ks times/year before ACA.

[SnakeBoy]

I assume your renewal is prior to 1/1? I"m thinking this is the last year you can keep that plan.

My understanding is that I can keep my plan until they make any slight change to the policy then it will no longer be grandfathered and I'll have to switch. I'm sure bcbs will do that at some point, why wouldn't they want to charge me more for less.

[SnakeBoy]

Fox is pushing the propaganda that the govt knew MILLIONS would be forced to change their health insurance. Fox's message being that ACA pimps have been lying, but the minimum requirements for policies dictated by ACA have been known all along.

Heard a govt lady last night say yes, "junk" health insurance policies that were useless (high deductible, limited coverage, leading to medical personal bankruptcy if you really got sick, even after you spent $1000s on premiums) was terminated by the minimum requirements of ACA.

And of course, it's not ACA's fault if an insurance cancels your policy, they do that 100Ks times/year before ACA.

You're full of as usual.

[boutons_deux]

You're full of as usual.

a devastating rebuttal, as usual.

Here's mine, equally fact filled: GFY

[Th'Pusher]

When I search for similar plans on healthcare.gov to what I receive through my employer (gold package for family), there are a number of plans (the majority) that are significantly less than what my employer/I pay. What's up with that?

[boutons_deux]

When I search for similar plans on healthcare.gov to what I receive through my employer (gold package for family), there are a number of plans (the majority) that are significantly less than what my employer/I pay. What's up with that?

complex stuff, you sure you're comparing apples and apples?

[TSA]

When I search for similar plans on healthcare.gov to what I receive through my employer (gold package for family), there are a number of plans (the majority) that are significantly less than what my employer/I pay. What's up with that?

You qualify for subsidies?

[Th'Pusher]

You qualify for subsidies?

No.

[TSA]

No.

That's good then. You're the first I've read here with something positive.

[Th'Pusher]

That's good then. You're the first I've read here with something positive.

Well, only 3 other people have provided any anecdotes and only 2 dealt with cost. And I'm still not sure I am comparing apples to apples as I can't see the specifics of the ACA coverage via the quick quote method. What I know is that my coverage through my employer is well over $14k per year (partially paid by me and partially paid by my employer) and the ACA site is quoting me $800 to $1k per month for the gold package which is 80% avg cost coverage (similar to what I get from my employer).

[SA210]

CBS: Insurance Companies Canceling Two Million plus Policies, and counting

[TSA]

CBS: Insurance Companies Canceling Two Million plus Policies, and counting

But but but......

"If you like your doctor, you will be able to keep your doctor, period,"-Obama

[SA210]

"Based on what little information the administration has disclosed, it turns out that more people have received cancellation notices for their health care plans this month than have enrolled in the (health care website)," said Ways and Means Chairman Dave Camp.

Health Policy Cancellations: New blow for Obama


By RICARDO ALONSO-ZALDIVAR and STEPHEN OHLEMACHER Associated Press WASHINGTON (AP)

-- Move over, website woes. Lawmakers confronted the Obama administration Tuesday with a difficult new health care problem - a wave of cancellation notices hitting individuals and small business who buy their own insurance.

At the same time, the federal official closest to the website apologized for its dysfunction in new sign-ups and asserted things are getting better by the day. Medicare chief Marilyn Tavenner said it's not the administration but insurers who are responsible for cancellation letters now reaching many of the estimated 14 million people who buy individual policies.

And, officials said, people who get cancellation notices will be able to find better replacement plans, in some cases for less. The Associated Press, citing the National Association of Insurance Commissioners, reported in May that many carriers would opt to cancel policies this fall and issue new ones. Administratively that was seen as easier than changing existing plans to comply with the new law, which mandates coverage of more services and provides better financial protection against catastrophic illnesses.

While the administration had ample warning of the cancellations, they could become another public relations debacle for President Barack Obama's signature legislation. This problem goes to the credibility of one of the president's earliest promises about the health care overhaul: You can keep your plan if you like it. In the spring, state insurance commissioners started giving insurers the option of canceling existing individual plans for 2014, because the coverage required under Obama's law is significantly more robust.

Some states directed insurers to issue cancellations. Large employer plans that cover most workers and their families are unlikely to be affected. The cancellation notices are now reaching policyholders, and they've been complaining to their lawmakers - who were grilling Tavenner on Tuesday. "Based on what little information the administration has disclosed, it turns out that more people have received cancellation notices for their health care plans this month than have enrolled in the (health care website)," said Ways and Means Chairman Dave Camp, R-Mich. He cited a news report of 146,000 cancellations in his state alone. Up and down the dais, lawmakers chimed in with stories of cons uents who had received similar notices.

Continued..

Read More at: http://www.news4sanantonio.com/news/...ion-5220.shtml

[SnakeBoy]

But but but......

"If you like your doctor, you will be able to keep your doctor, period,"-Obama

That's actually a separate lie from the "you can keep your insurance" lie. My wife's practice will not participate in obamacare. In fact they have discussed switching to concierge medicine if thing get even worse than they have been. She doesn't want to because it would mean reducing her patient base from 3800 to around 700 patients, the rest get kicked to the curb. Personally I hope they do...more money, less work, to with ethics.

[TSA]

That's actually a separate lie from the "you can keep your insurance" lie. My wife's practice will not participate in obamacare. In fact they have discussed switching to concierge medicine if thing get even worse than they have been. She doesn't want to because it would mean reducing her patient base from 3800 to around 700 patients, the rest get kicked to the curb. Personally I hope they do...more money, less work, to with ethics.

My bad, got my Obama lies mixed up.

[boutons_deux]

Looks like CBS has its propaganda hatchets and lie spewing machine in action

Fox Finds New Anti-Health Care Star In CBS's Misleading Coverage

After CBS News ran a deceptive segment highlighting a Florida woman's increased health care costs, Fox News reportedly contacted the woman to appear on three of its shows. CBS has run several misleading segments on the Affordable Care Act (ACA) since the implementation of the law's exchanges.

On CBS' This Morning, political correspondent Jan Crawford highlighted the story of Dianne Barette, a Florida woman who received notice that her plan did not meet the ACA's minimum coverage requirements. In the segment, Crawford said Barette "pays $54 a month. The new plan she's being offered would run $591 a month, ten times more than what she currently pays." According to the Washington Post's media blogger Erik Wemple, after the CBS story aired, Barette was contacted by three Fox News shows, Fox & Friends, Your World with Neil Cavuto, and On The Record with Greta Van Susteren.

Wemple, who also interviewed Barrette, pointed out a detail the CBS report failed to mention: in addition to being inadequate, the coverage Barrette currently receives doesn't cover hospitalizations, something that "could well have bankrupted Barrette under her current insurance."

http://mediamatters.org/blog/2013/10...bss-mis/196635



CBS This Morning's Research-Free Health Care Report

CBS News political correspondent Jan Crawford claimed that CBS couldn't "find anyone who's enrolled" in the Affordable Care Act (ACA) since the exchanges went online, proving not that Americans haven't signed up for the exchanges, but that CBS did not look very hard for examples.

On the October 16 edition of CBS This Morning, Crawford described the exchanges as a "complete disaster" and quoted from a Miami Herald article describing ACA enrollees as an "urban legend":

Contrary to Crawford's claim, reports of individuals who have successfully signed up for health insurance exchanges are readily available:

In addition, directly in the Miami Herald article Crawford quoted as describing enrollees as an "urban legend," there are several examples of citizens who have successfully signed up for the exchanges:

Reports of Americans successfully signing up for the exchanges are readily available. In Kentucky alone, 240 small businesses have enrolled in order to provide their staffs with healthcare. MSNBC reported that as of October 12 the state was averaging 1,000 individual enrollees per day. Furthermore, in California 28,000 have signed up, and in New York 40,000 have signed up.

http://mediamatters.org/blog/2013/10...are-rep/196460


CBS' Faulty Obamacare Reporting: Pregnancy Edition

CBS News highlighted the complaints of a man upset with Affordable Care Act provisions that require all insurance plans to provide maternity care coverage, a reliance on anecdotal journalism that omitted the important benefits this coverage could provide -- like ending gender discrimination in the insurance marketplace and improving the nation's sub-par infant mortality rate.

The Affordable Care Act (ACA) requires all insurance plans, private and employer-based, to cover maternity and newborn care, one of the law's 10 categories of 'essential health benefits' that every policy must include.

CBS Evening News chose to present the impact of this mandatory maternity coverage as a superfluous benefit on its October 28 broadcast. Rather than interviewing a beneficiary of the coverage or a health expert who could discuss the motivation behind the requirement, CBS highlighted a male realtor upset that his plan included such benefits.

http://mediamatters.org/blog/2013/10...-editio/196653

[boutons_deux]

where does anything say anybody must change doctors?

[boutons_deux]

about 20% of individual policies are cancelled every year before ACA. Repugs/Fox didn't scream and whine and propagandize about that.

Many of the cancelled policies are junk policies that don't cover, or cover very poorly, eg, cancer, CVD, hosptilization, etc, AND have very high deductibles.

All these junk policies now are terminated because they don't meet ACA minimum requirements.

iow, government is protecting individual insurance buyers from capitalism's principle of " tiest possible product for highest possible price". These policies will "fine print" you into bankruptcy in a medical catastrophe. Good riddance, thanks to government intervention in the " you" free market.

[CosmicCowboy]

My understanding is that I can keep my plan until they make any slight change to the policy then it will no longer be grandfathered and I'll have to switch. I'm sure bcbs will do that at some point, why wouldn't they want to charge me more for less.

Nope, that only grandfathers you until Jan 1, 2015, then you have to buy an ACA compliant plan.

[101A]

My understanding is that I can keep my plan until they make any slight change to the policy then it will no longer be grandfathered and I'll have to switch. I'm sure bcbs will do that at some point, why wouldn't they want to charge me more for less.

All plans sold or renewed after 1/1 MUST cover maternity and mental health. There is no grandfathering for this, as I understand it.