2017 Health Insurance Premiums

TXDirt
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10/18/2016 2:46pm
For anyone wanting to read where Obamacare has worked successfully (because the state followed the plan laid out): http://www.latimes.com/nation/la-na-obamacare-california-model-20161007…
SCR wrote:
LA Times article glad handing the success of Obamacare. Even a dummy like me who has a reading comprehension problem as pointed out by JW381 in...
LA Times article glad handing the success of Obamacare. Even a dummy like me who has a reading comprehension problem as pointed out by JW381 in the post above can see past the load of crap that this article is filled with.

It seems to be saying that its a success based on how many people signed up. It doesn't really say anything about how many millions of people lost there good insurance plans they paid for and were happy with for many decades ( like myself) because the purpose was to force these people who actually pay for there insurance and medical bills to go on the exchange to pick up the cost for everyone else. And do you think it counts people who signed up and then cancelled after realizing it was not affordable. For everyone of these BS articles there is 5 with much more truthfull info.

Even as much as this article tries to paint a pretty picture it still shows the truth near the end of it where it says:

In 2017 CA rates are increasing 13.2%. And even more dramatically with the biggest insurers Blue Sheild and Anthem. And that preventing large rate hikes in the future will require adjustments to the marketplace.

Preventing large rate hikes in the future ? What about the large rate hikes happening now ?

And, can you guess what adjustments they are talking about that will be needed to prevent the future hikes ?

How long will Businesses and people who make over the subsidy amount be able to pay for everyone else ? Everything that is going wrong with this was predicted almost perfectly a decade ago.

Sometimes when something is so terribly written and slanted you just have to read it!! I really enjoyed the comment section too. Atleast some people get it. What a joke of an article. But that's to be expected by the LA Times.
TXDirt
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10/18/2016 2:47pm
For anyone wanting to read where Obamacare has worked successfully (because the state followed the plan laid out): http://www.latimes.com/nation/la-na-obamacare-california-model-20161007…
SCR wrote:
LA Times article glad handing the success of Obamacare. Even a dummy like me who has a reading comprehension problem as pointed out by JW381 in...
LA Times article glad handing the success of Obamacare. Even a dummy like me who has a reading comprehension problem as pointed out by JW381 in the post above can see past the load of crap that this article is filled with.

It seems to be saying that its a success based on how many people signed up. It doesn't really say anything about how many millions of people lost there good insurance plans they paid for and were happy with for many decades ( like myself) because the purpose was to force these people who actually pay for there insurance and medical bills to go on the exchange to pick up the cost for everyone else. And do you think it counts people who signed up and then cancelled after realizing it was not affordable. For everyone of these BS articles there is 5 with much more truthfull info.

Even as much as this article tries to paint a pretty picture it still shows the truth near the end of it where it says:

In 2017 CA rates are increasing 13.2%. And even more dramatically with the biggest insurers Blue Sheild and Anthem. And that preventing large rate hikes in the future will require adjustments to the marketplace.

Preventing large rate hikes in the future ? What about the large rate hikes happening now ?

And, can you guess what adjustments they are talking about that will be needed to prevent the future hikes ?

How long will Businesses and people who make over the subsidy amount be able to pay for everyone else ? Everything that is going wrong with this was predicted almost perfectly a decade ago.

TXDirt wrote:
Sometimes when something is so terribly written and slanted you just have to read it!! I really enjoyed the comment section too. Atleast some people get...
Sometimes when something is so terribly written and slanted you just have to read it!! I really enjoyed the comment section too. Atleast some people get it. What a joke of an article. But that's to be expected by the LA Times.
One of the posts from the comment section.

If the desired result was to force working class America to pay for non-working class America's Health care, while the government and the health care companies made money of them, then hell yeah, you nailed it!

That is so spot on!
Titan1
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10/18/2016 3:21pm
Titan1 wrote:
Anyone else get their 2017 Health Insurance premium notifications yet? I got my in the mail yesterday...my premium is going from $810/month, to $1178/month. What is...
Anyone else get their 2017 Health Insurance premium notifications yet?

I got my in the mail yesterday...my premium is going from $810/month, to $1178/month. What is that? A 40% increase? Holy Smokes! Since Obamacare was enacted, though 2017, my insurance premiums have more than doubled. Affordable care act?

My agent says that the insurance companies are hemorrhaging money...due to, as anyone with a brain expected, no pre-existing condition exclusions, and no lifetime caps...and because the young healthy people who were expected to sign up due to the mandate aren't signing up...so they have no choice but to raise premiums on the people that do pay.

Firefly47 wrote:
My rate is set to go down.
What is your situation?

Employer paid?

Do you get a Subsidy?

Is your premium going down? Or coverages being reduced? or Subsidy going up? Or employer paying more?

Do you have children falling off your plan?

You are the only person I've heard of that says their rate is going down...I know of people who are taking less coverage to pay less...or their employers are paying more (so they pay less...but their premiums actually went up), or their subsidy went up (so they pay less...but their premiums actually went up)...in my limited experience...if your premium REALLY did actually go down (same coverage, same employer portion/same subsidy...but less cost) you are the only person in America that can say that.
TXDirt
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10/18/2016 4:44pm
Our plan at work is going up 9%. They were able to keep it at only 9% increase by also increasing our deductible from 5k to 7k. Ugh. And we bid it out to 5 insurance companies and that's the best we could get.

The Shop

motogrady
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USA
10/18/2016 5:04pm Edited Date/Time 10/18/2016 5:10pm
Oh Skidaddle: "and everyone bought it" Scam, yes. But this disaster was foretold many times over long before it passed. Absolutely no surprises anywhere in Obamacare...
Oh Skidaddle: "and everyone bought it" Scam, yes. But this disaster was foretold many times over long before it passed. Absolutely no surprises anywhere in Obamacare, just all the lies coming home to roost. The warnings could not have been more clear.

motogrady wrote:
No, everyone didn't just buy it. Another lie out there. Read up on how it got passed. Not only did it just squeak by, the one...

No, everyone didn't just buy it.
Another lie out there.
Read up on how it got passed.
Not only did it just squeak by, the one vote that tipped the scale was kinda had in a trade.

And if I'm not mistaken, if you make 250,000.00 a year or more, you are exempt. You don't have to have any insurance.

Ain't that a kick in the ass for the average guy.
Skidaddle wrote:
The public bought it. And so do you guys. Still today people do not understand health insurance is Not about health. Its about profits. An insurance...
The public bought it. And so do you guys.

Still today people do not understand health insurance is Not about health. Its about profits.

An insurance companies #1 goal is to find a reason to deny payment.
And if your claim gets denied you are fucked. Have you ever read your policy?

Fuck your lying agent! Ask an adjuster. The one who determines what gets paid.
Sure your agent will say, skiing moto etc etc is all good.

Most exclude injuries from "extreme sports" and non standard activities.
So go ahead and walk into a hospital in your gear! Good luck!

Socialized medicine like Canada doesnt have this problem.

Tell me something I don't know.
I had no choice.
It's what pisses me off the most.
TheGovernment is Forcing me to buy it.
Those fuckers don't pay.
But they areForcing me to pay.

" Together, we can make this a better country",
Yeah, right. When everyone pays 3 % of their take home pay, everyone, from the president on down,
it might at least be fair.

But it still isn't right.
This is supposed to be a free country, to be able to choose how we live our lives.

I hope the whole effing thing implodes on itself, and insurance companies are barred from having anything to do with the medical profession.

The Government cares about free medical, let them pay for it, expand the VA, BC//Bs, whatever.

JW381
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10638
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Location
Harrisburg, OR, USA
10/18/2016 5:13pm
motogrady wrote:
No, everyone didn't just buy it. Another lie out there. Read up on how it got passed. Not only did it just squeak by, the one...

No, everyone didn't just buy it.
Another lie out there.
Read up on how it got passed.
Not only did it just squeak by, the one vote that tipped the scale was kinda had in a trade.

And if I'm not mistaken, if you make 250,000.00 a year or more, you are exempt. You don't have to have any insurance.

Ain't that a kick in the ass for the average guy.
Skidaddle wrote:
The public bought it. And so do you guys. Still today people do not understand health insurance is Not about health. Its about profits. An insurance...
The public bought it. And so do you guys.

Still today people do not understand health insurance is Not about health. Its about profits.

An insurance companies #1 goal is to find a reason to deny payment.
And if your claim gets denied you are fucked. Have you ever read your policy?

Fuck your lying agent! Ask an adjuster. The one who determines what gets paid.
Sure your agent will say, skiing moto etc etc is all good.

Most exclude injuries from "extreme sports" and non standard activities.
So go ahead and walk into a hospital in your gear! Good luck!

Socialized medicine like Canada doesnt have this problem.
motogrady wrote:
Tell me something I don't know. I had no choice. It's what pisses me off the most. TheGovernment is [i]Forcing[/i] me to buy it. Those fuckers...

Tell me something I don't know.
I had no choice.
It's what pisses me off the most.
TheGovernment is Forcing me to buy it.
Those fuckers don't pay.
But they areForcing me to pay.

" Together, we can make this a better country",
Yeah, right. When everyone pays 3 % of their take home pay, everyone, from the president on down,
it might at least be fair.

But it still isn't right.
This is supposed to be a free country, to be able to choose how we live our lives.

I hope the whole effing thing implodes on itself, and insurance companies are barred from having anything to do with the medical profession.

The Government cares about free medical, let them pay for it, expand the VA, BC//Bs, whatever.

And I'm pissed that the government forces me to pay corporate subsidies and for wasted war efforts. And for Obamacare.
10/18/2016 7:14pm
Out of curiosity – how many people in this thread shitting on universal healthcare have actually lived in a country in which they could experience it?
good point,

i recently got diagnosed with type 2 Diabetes, i live in a country that has (almost) free healthcare,

it cost me $30 for the original doctors appointment, after the 4th appointment in a year its free,
i had to get 4 scripts for different stuff, they were $5 each,

I had only just registered at this doctors surgery, as i had moved a couple of years ago and not got around to it, otherwise the 1st visit for the year would have been free, there is also an issue with new drugs being slow to get into the public system, as we have a central pharmacy buyer,

we have a private system that operates as well, you can buy insurance to cover that, you get rid of wait times for surgerys, (which can take a while, if not urgent in the public health system) i think its the best solution personally, to have a base single payer system, with a better system if you want to pay for it above, the compulsary accident system we have works ok to, esp for high risk sports,


APLMAN99
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Tualatin, OR, USA
Fantasy
10/18/2016 7:36pm
Titan1 wrote:
Anyone else get their 2017 Health Insurance premium notifications yet? I got my in the mail yesterday...my premium is going from $810/month, to $1178/month. What is...
Anyone else get their 2017 Health Insurance premium notifications yet?

I got my in the mail yesterday...my premium is going from $810/month, to $1178/month. What is that? A 40% increase? Holy Smokes! Since Obamacare was enacted, though 2017, my insurance premiums have more than doubled. Affordable care act?

My agent says that the insurance companies are hemorrhaging money...due to, as anyone with a brain expected, no pre-existing condition exclusions, and no lifetime caps...and because the young healthy people who were expected to sign up due to the mandate aren't signing up...so they have no choice but to raise premiums on the people that do pay.

Firefly47 wrote:
My rate is set to go down.
Titan1 wrote:
What is your situation? Employer paid? Do you get a Subsidy? Is your premium going down? Or coverages being reduced? or Subsidy going up? Or employer...
What is your situation?

Employer paid?

Do you get a Subsidy?

Is your premium going down? Or coverages being reduced? or Subsidy going up? Or employer paying more?

Do you have children falling off your plan?

You are the only person I've heard of that says their rate is going down...I know of people who are taking less coverage to pay less...or their employers are paying more (so they pay less...but their premiums actually went up), or their subsidy went up (so they pay less...but their premiums actually went up)...in my limited experience...if your premium REALLY did actually go down (same coverage, same employer portion/same subsidy...but less cost) you are the only person in America that can say that.
My rate is going down for me personally compared to what I paid for most of 2016, but it's apples and oranges.

I changed employers and my new employer pays the entire premium, although it doesn't include vision like my previous policy did. I also have a lower deductible and out of pocket limits than before, which is awesome because my wife is a Type 1 diabetic.....
10/19/2016 1:43am
Out of curiosity – how many people in this thread shitting on universal healthcare have actually lived in a country in which they could experience it?
scott_nz wrote:
good point, i recently got diagnosed with type 2 Diabetes, i live in a country that has (almost) free healthcare, it cost me $30 for the...
good point,

i recently got diagnosed with type 2 Diabetes, i live in a country that has (almost) free healthcare,

it cost me $30 for the original doctors appointment, after the 4th appointment in a year its free,
i had to get 4 scripts for different stuff, they were $5 each,

I had only just registered at this doctors surgery, as i had moved a couple of years ago and not got around to it, otherwise the 1st visit for the year would have been free, there is also an issue with new drugs being slow to get into the public system, as we have a central pharmacy buyer,

we have a private system that operates as well, you can buy insurance to cover that, you get rid of wait times for surgerys, (which can take a while, if not urgent in the public health system) i think its the best solution personally, to have a base single payer system, with a better system if you want to pay for it above, the compulsary accident system we have works ok to, esp for high risk sports,


Although everyone says that we have one of the best health insurances there are and the best benefits and what not , i hate to say it to you but that's just bullshit.
We pay and we pay a lot for example i had my thumbnail removed due to a chemical burn i sustained at my job, the insurance company decided that my gloves who where 3 years old at that time where not good enough for the job anymore, there is no expiring date on this kind of gloves but hey they decided to not pay anything.

All good if you know it upfront but that is never happening, you go in the medical centre and you stay there and you get it done fast from moment of accident to nail removed takes about 36 hours tops.

when you then leave the hospital you will get your bill send home to you within 30 days, once it arrives you can go to your insurance to have them pay it, but then all the shit starts all questions and investigations start. long story short i had to pay 2400€ to the hospital the insurance payed nothing. And i pay around 250€ per month for my entire family.

We pay a shit load of money to the state thats coming straight from our pay check (my own example i make 1500€ Net per month my boss needs to pay 4800€ per month) thats 3300 euro thats straight going too the state that money is used for our so called unemployment benefits.
I say screw them if you wanna have money work for it assholes.
I do believe there should be some way of a reduced minimum wage unemployment salary but i say it would have to be a max of 2 months and only for people who lost there job not for the morons that quitted there job, and after those 2 months your done.
When you get in a accident or get injured or just sick you should be able to get the same amount of money you would have when you where able to work. ( again this will have to be checked by a legal doctor that works for the state so there is no abuse from the system)
the reason why i say this is because i know people that have been getting unemployment pay checks for a very long time some of them already 5 years. I have never been in search for a job longer than a week if you cant fix it in 2 months you just don't want to work.
Unemployment salary is about 1300€ so just 200 less than i make working my ass off.

So if you call this a experience i say they can shove it up there ass.
Work hard get the money you deserve and screw all the lame sorry ass dumb fucks that r to lazy to do anything.
UNIVERSAL HEALTHCARE IS BULLSHIT
Titan1
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Location
Lehi, UT, USA
10/19/2016 9:17am
Firefly47 wrote:
My rate is set to go down.
Titan1 wrote:
What is your situation? Employer paid? Do you get a Subsidy? Is your premium going down? Or coverages being reduced? or Subsidy going up? Or employer...
What is your situation?

Employer paid?

Do you get a Subsidy?

Is your premium going down? Or coverages being reduced? or Subsidy going up? Or employer paying more?

Do you have children falling off your plan?

You are the only person I've heard of that says their rate is going down...I know of people who are taking less coverage to pay less...or their employers are paying more (so they pay less...but their premiums actually went up), or their subsidy went up (so they pay less...but their premiums actually went up)...in my limited experience...if your premium REALLY did actually go down (same coverage, same employer portion/same subsidy...but less cost) you are the only person in America that can say that.
APLMAN99 wrote:
My rate is going down for me personally compared to what I paid for most of 2016, but it's apples and oranges. I changed employers and...
My rate is going down for me personally compared to what I paid for most of 2016, but it's apples and oranges.

I changed employers and my new employer pays the entire premium, although it doesn't include vision like my previous policy did. I also have a lower deductible and out of pocket limits than before, which is awesome because my wife is a Type 1 diabetic.....
That's great for you man! I'm glad your wife can get the care she needs.
10/19/2016 9:54am
Don't know how you guys over there do it reading some of those figures, it would scare the life out of me riding with the added potential of financial ruin to go with any serious injury.
motogrady
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10/19/2016 10:05am Edited Date/Time 10/19/2016 10:05am
I dunno........I'd like to see the gvmnt step up and help anyone that needs it.
Would it, or could it be the fastest, and best? He'll no.


Keep the private sector, for sure, but to those that might be unfortunate or unable to pay, it is a huge black eye on this country not to be able to accommodate them.
JW381
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Harrisburg, OR, USA
10/19/2016 10:13am
Don't know how you guys over there do it reading some of those figures, it would scare the life out of me riding with the added...
Don't know how you guys over there do it reading some of those figures, it would scare the life out of me riding with the added potential of financial ruin to go with any serious injury.
It's scary. Even for the insured.
TXDirt
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10/19/2016 11:10am
motogrady wrote:
I dunno........I'd like to see the gvmnt step up and help anyone that needs it. Would it, or could it be the fastest, and best? He'll...
I dunno........I'd like to see the gvmnt step up and help anyone that needs it.
Would it, or could it be the fastest, and best? He'll no.


Keep the private sector, for sure, but to those that might be unfortunate or unable to pay, it is a huge black eye on this country not to be able to accommodate them.
Even before Obamacare you could walk in to any ER and get treated. Regardless of if you have insurance, and regardless of if you can pay a damn dime. That's one of the biggest fallacies to say that people can't get the treatment they need. I don't ever recall seeing people laying outside in the gutter dying because a hospital refused service.

Now maybe they couldn't pay for a sex change operation or the hormones they needed to grow tits. But that's not my problem or responsibility to pay for it.

Anyone at any time can go to the ER and get treated. Hospitals cannot turn you away. It's been a law for as long as I've been alive.
Beast666
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682
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Location
Englewood, CO, USA
10/19/2016 11:17am
Obama Care or as I prefer to call it "YoMama Care" totally sucks.

In 2015 I was on a plan that went belly up with 3 months left in the year. We were told that you would be covered for the rest of the year. Except they never mentioned that it would be for existing problems already being covered. 6 weeks later I ended up in the ER with my right knee locked up due to a torn meniscus. They insurance refused to pay and I ended up eating a $7000 ER bill.

Switch to 2016 go see my new primary care doctor to get a referral for the knee. 3 weeks later the referral is approved go to the Ortho he needs an autho for an MRI. 6 weeks later I am getting the MRI and he determines that I will need to go in for clean up of the meniscus tear. 6 weeks later the insurance denies the surgery instead wants the Ortho to pump the knee up with steroids.

Moved to Colorado and ended up breaking my back moving into my apt. call up the insurance to see if they had a preferred ER or Urgent care clinic in the area. They said NO come back here 800 miles away for covered care or go to an ER in Colorado and expect to pay what we wont pay!!!! The ER bill came to nearly $20,000 and the insurance only paid $600. They refused to pay for the CT and X-rays meds Etc. Still waiting to see what I end up owing on this one.

A week later I am set up with a Colorado carrier. This insurance will not let me see an Ortho for the broken bones or a Neurosurgeon for the nerve pain. Instead I am stuck with a Primary care doctor for pain management Over the last 5 months I have been on 3 different pain meds. 3 different nerve meds, the last one had my body feeling like it was getting electrocuted for nearly 10 hours on the first dose. Next they had me on 2 different NSAIDS and want me to switch to another one after I just picked up a 3 month supply of the 2nd one!!! i honestly do not want to step foot into any of there clinics ever again!!!!!!

I just got a letter from Colorado's marketplace stating that the Premium will be going up $130/Month for my current insurance plan. The silver lining is I just became qualified for my company insurance plan and am going to talk with HR in a bit to see what I will be looking at.
tuggy450
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Massapequa, NY, USA
10/19/2016 12:03pm
SCR wrote:
LA Times article glad handing the success of Obamacare. Even a dummy like me who has a reading comprehension problem as pointed out by JW381 in...
LA Times article glad handing the success of Obamacare. Even a dummy like me who has a reading comprehension problem as pointed out by JW381 in the post above can see past the load of crap that this article is filled with.

It seems to be saying that its a success based on how many people signed up. It doesn't really say anything about how many millions of people lost there good insurance plans they paid for and were happy with for many decades ( like myself) because the purpose was to force these people who actually pay for there insurance and medical bills to go on the exchange to pick up the cost for everyone else. And do you think it counts people who signed up and then cancelled after realizing it was not affordable. For everyone of these BS articles there is 5 with much more truthfull info.

Even as much as this article tries to paint a pretty picture it still shows the truth near the end of it where it says:

In 2017 CA rates are increasing 13.2%. And even more dramatically with the biggest insurers Blue Sheild and Anthem. And that preventing large rate hikes in the future will require adjustments to the marketplace.

Preventing large rate hikes in the future ? What about the large rate hikes happening now ?

And, can you guess what adjustments they are talking about that will be needed to prevent the future hikes ?

How long will Businesses and people who make over the subsidy amount be able to pay for everyone else ? Everything that is going wrong with this was predicted almost perfectly a decade ago.

Bravo...
what a joke that article is.

...sad thing is this..until you get the govt to start enforcing laws against unfair competition, picking the winners and losers, this is what we will get...an over expensive system, filled with scams and promises..
I can hardly blame doctors when they say f' it anymore...

the real question is this..
Why isn't the entire medical industry under indictment under 15 USC Sec 1?
15 USC Sec 1 provides for felony criminal penalties for *anyone* with market power attempting to monopolize, price-fix or restrain trade. It is 100+ yr law with no exemption for health firms.

hmmmmm....probably the same reason you can get a subpoena asking for documents...then destroy those said documents and get away with it.....There is zero rule of law here in these united states...getting worse. The american people are complacent, powerless, counting on the govt, practically from cradle to grave and are therefore only demanding freebies, not integrity from govt officials. ..

haha the revolution will not be televised



APLMAN99
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10/19/2016 1:15pm
motogrady wrote:
I dunno........I'd like to see the gvmnt step up and help anyone that needs it. Would it, or could it be the fastest, and best? He'll...
I dunno........I'd like to see the gvmnt step up and help anyone that needs it.
Would it, or could it be the fastest, and best? He'll no.


Keep the private sector, for sure, but to those that might be unfortunate or unable to pay, it is a huge black eye on this country not to be able to accommodate them.
TXDirt wrote:
Even before Obamacare you could walk in to any ER and get treated. Regardless of if you have insurance, and regardless of if you can pay...
Even before Obamacare you could walk in to any ER and get treated. Regardless of if you have insurance, and regardless of if you can pay a damn dime. That's one of the biggest fallacies to say that people can't get the treatment they need. I don't ever recall seeing people laying outside in the gutter dying because a hospital refused service.

Now maybe they couldn't pay for a sex change operation or the hormones they needed to grow tits. But that's not my problem or responsibility to pay for it.

Anyone at any time can go to the ER and get treated. Hospitals cannot turn you away. It's been a law for as long as I've been alive.
Actually they had to "stabilize" you, not necessarily treat you.

If you had leukemia, healthcare by ER wasn't exactly a wise course of action.......
Rooster
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Location
Edmonton, CA
10/19/2016 1:47pm
I haven't paid anything in monthly premiums in over ten years.

I've probably paid out about $300 in prescriptions over that time frame and maybe about $1000-$1500 in dental.

Went for a cardio test a couple of months ago and there was no charge. I'll be getting an ultrasound in a week or so. No charge again. Then I have to have a small surgery to repair an abdominal hernia. Guess what? Yup, no charge for that either.

Yup, our system sucks. Did I mention I pay less in taxes than you guys too.

Oh yeah, one last thing. I can go to any GP or any hospital I want to. If I don't like the specialist I'm referred to, I can always change that too. Isn't FREEDOM great? Do you guys have that freedom? Can you quit your job and still have full coverage, or are you kind of locked into your job if you want to have good healthcare? That would suck sweaty balls.
10/19/2016 1:55pm
Rooster wrote:
I haven't paid anything in monthly premiums in over ten years. I've probably paid out about $300 in prescriptions over that time frame and maybe about...
I haven't paid anything in monthly premiums in over ten years.

I've probably paid out about $300 in prescriptions over that time frame and maybe about $1000-$1500 in dental.

Went for a cardio test a couple of months ago and there was no charge. I'll be getting an ultrasound in a week or so. No charge again. Then I have to have a small surgery to repair an abdominal hernia. Guess what? Yup, no charge for that either.

Yup, our system sucks. Did I mention I pay less in taxes than you guys too.

Oh yeah, one last thing. I can go to any GP or any hospital I want to. If I don't like the specialist I'm referred to, I can always change that too. Isn't FREEDOM great? Do you guys have that freedom? Can you quit your job and still have full coverage, or are you kind of locked into your job if you want to have good healthcare? That would suck sweaty balls.
that sounds pretty good but what do you make per month in salary, and what does the property cost in canada
Beast666
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Englewood, CO, USA
10/19/2016 2:26pm
Beast666 wrote:
Obama Care or as I prefer to call it "YoMama Care" totally sucks. In 2015 I was on a plan that went belly up with 3...
Obama Care or as I prefer to call it "YoMama Care" totally sucks.

In 2015 I was on a plan that went belly up with 3 months left in the year. We were told that you would be covered for the rest of the year. Except they never mentioned that it would be for existing problems already being covered. 6 weeks later I ended up in the ER with my right knee locked up due to a torn meniscus. They insurance refused to pay and I ended up eating a $7000 ER bill.

Switch to 2016 go see my new primary care doctor to get a referral for the knee. 3 weeks later the referral is approved go to the Ortho he needs an autho for an MRI. 6 weeks later I am getting the MRI and he determines that I will need to go in for clean up of the meniscus tear. 6 weeks later the insurance denies the surgery instead wants the Ortho to pump the knee up with steroids.

Moved to Colorado and ended up breaking my back moving into my apt. call up the insurance to see if they had a preferred ER or Urgent care clinic in the area. They said NO come back here 800 miles away for covered care or go to an ER in Colorado and expect to pay what we wont pay!!!! The ER bill came to nearly $20,000 and the insurance only paid $600. They refused to pay for the CT and X-rays meds Etc. Still waiting to see what I end up owing on this one.

A week later I am set up with a Colorado carrier. This insurance will not let me see an Ortho for the broken bones or a Neurosurgeon for the nerve pain. Instead I am stuck with a Primary care doctor for pain management Over the last 5 months I have been on 3 different pain meds. 3 different nerve meds, the last one had my body feeling like it was getting electrocuted for nearly 10 hours on the first dose. Next they had me on 2 different NSAIDS and want me to switch to another one after I just picked up a 3 month supply of the 2nd one!!! i honestly do not want to step foot into any of there clinics ever again!!!!!!

I just got a letter from Colorado's marketplace stating that the Premium will be going up $130/Month for my current insurance plan. The silver lining is I just became qualified for my company insurance plan and am going to talk with HR in a bit to see what I will be looking at.
I just got done switching my insurance for 2016 and selecting for 2017

For the rest of this year it will cost $65/month for medical dental and vision coverage. For 2017 it jumps up to a whopping $66/month.

And this is the top tier policies that are offered not the base policy.

800 deductible 2400 out of pocket max
80% / 20% on major procedure
0 dollar generic prescription
$350 HRA credit

Current Obama care plan
190/month after credit
1700 deductible
70/30 on major
Prescription prices all over the place
No dental no vision coverage
tuggy450
Posts
1389
Joined
3/12/2016
Location
Massapequa, NY, USA
10/19/2016 3:13pm
I work in scam care and like usual I saw multiple patients whom do not speak a lick of english yet are somehow eligible for medicaid. One decided to have his healthcare done in the united states, yep here 1 month from the DR, Guess who just paid for his medications and MRI cardiac testing etc etc. , yep not one of them meds is a generic, say 6 meds, lol, the other just got her citizenship after 5 years yep disabled, the cost of their bills they just had for testing/meds would make your head spin.

I am not against providing emergency care to anyone when necessary, however paying for a heart transplant for an illegal junkie is where I draw the line. Sorry we cannot afford to save the world nor should we be expected to do so. Treat-em and street-em, only in their case, if you cannot pay your bill and get emergency medicaid you should be fast tracked right out of the country

It may sound cruel but don't force me to pay for what you consider a worthy charity when I know you are overcharging and making a fortune.
Obamacare was just a giant gift to the insurance industry they don't care what anything costs because they just base their rates on overall cost and transfer that cost to you
If it costs more great, our percentage is now more....the more we spend on healthcare the more money they make, and of course if we ever wake up and spend say half of what we currently spend, they, insurance, doctors, medical practices, will still be doing just fine. Of course when your GDP is is infused with 3 trillion dollars of healthcare spending...You really have a problem.
Just so you understand that number that would be the amount of income of the all taxpayers in the united states, roughly 100 million taxpayers with approximately 30,000 median income.
Healthcare cartel.
But hey no one seems to be even the least bit concerned...what to do, probably charge more or If in charge just take it over...aka, govt healthcare.

Meanwhile we are all getting reduced benefits , paying more and being told our healthcare is the best etc etc,
You get charged $500.00 for an epipen that costs less than $35 in europe and you think you are getting a deal because you have a $35 co payment.
The system is broken, But hey it pays my bills.
TXDirt
Posts
7786
Joined
7/29/2015
Location
Plano, TX, USA
10/19/2016 3:43pm
tuggy450 wrote:
I work in scam care and like usual I saw multiple patients whom do not speak a lick of english yet are somehow eligible for medicaid...
I work in scam care and like usual I saw multiple patients whom do not speak a lick of english yet are somehow eligible for medicaid. One decided to have his healthcare done in the united states, yep here 1 month from the DR, Guess who just paid for his medications and MRI cardiac testing etc etc. , yep not one of them meds is a generic, say 6 meds, lol, the other just got her citizenship after 5 years yep disabled, the cost of their bills they just had for testing/meds would make your head spin.

I am not against providing emergency care to anyone when necessary, however paying for a heart transplant for an illegal junkie is where I draw the line. Sorry we cannot afford to save the world nor should we be expected to do so. Treat-em and street-em, only in their case, if you cannot pay your bill and get emergency medicaid you should be fast tracked right out of the country

It may sound cruel but don't force me to pay for what you consider a worthy charity when I know you are overcharging and making a fortune.
Obamacare was just a giant gift to the insurance industry they don't care what anything costs because they just base their rates on overall cost and transfer that cost to you
If it costs more great, our percentage is now more....the more we spend on healthcare the more money they make, and of course if we ever wake up and spend say half of what we currently spend, they, insurance, doctors, medical practices, will still be doing just fine. Of course when your GDP is is infused with 3 trillion dollars of healthcare spending...You really have a problem.
Just so you understand that number that would be the amount of income of the all taxpayers in the united states, roughly 100 million taxpayers with approximately 30,000 median income.
Healthcare cartel.
But hey no one seems to be even the least bit concerned...what to do, probably charge more or If in charge just take it over...aka, govt healthcare.

Meanwhile we are all getting reduced benefits , paying more and being told our healthcare is the best etc etc,
You get charged $500.00 for an epipen that costs less than $35 in europe and you think you are getting a deal because you have a $35 co payment.
The system is broken, But hey it pays my bills.
Agree with you 100%. Scamcare!!!
Nellie12
Posts
202
Joined
4/27/2009
Location
USA
10/19/2016 5:49pm
Moens_Andy wrote:
found the difference in real estate prices
About 20 miles south from Edmonton
http://www.remax.ca/ab/leduc-real-estate/na-5-wade-avenue-na-wp_id15491…

About 20 miles south of Dallas
http://www.zillow.com/homedetails/1091-Ashford-Ln-Midlothian-TX-76065/2…



I'm curious...why did you pick the Midlothian area? I've lived in the metro-mess for over 30 years and know the area (dfw area) very well. If you have questions about other areas or want to know about other nice areas with acreage, let me know. The area that you are looking at is nice, but what bothers me about that area is a huge concrete plant that some consider a big detriment to the air quality. Do a little research...you can decide for yourself if its acceptable.
Nellie12
Posts
202
Joined
4/27/2009
Location
USA
10/19/2016 5:54pm
crap....how did that end up in here?
Skidaddle
Posts
1707
Joined
7/19/2016
Location
Woodland, CA, USA
10/19/2016 6:08pm
Don't know how you guys over there do it reading some of those figures, it would scare the life out of me riding with the added...
Don't know how you guys over there do it reading some of those figures, it would scare the life out of me riding with the added potential of financial ruin to go with any serious injury.
JW381 wrote:
It's scary. Even for the insured.
If a welfare case on Aid breaks their neck they never see a bill.
Break your neck on your dirt bike and most likely insurance will deny and hello bankruptcy.

Welfare people get the best coverage. Not even a bill and its paid by the taxpayers. However, the taxpayers get nothing.

Thats why Canadas system kills ours. Ours is a business.
There is no health care in health insurance.

A diabetic can get their drugs from on online store cheaper than their insurance coverage for example
Skidaddle
Posts
1707
Joined
7/19/2016
Location
Woodland, CA, USA
10/19/2016 6:31pm
Rooster wrote:
I haven't paid anything in monthly premiums in over ten years. I've probably paid out about $300 in prescriptions over that time frame and maybe about...
I haven't paid anything in monthly premiums in over ten years.

I've probably paid out about $300 in prescriptions over that time frame and maybe about $1000-$1500 in dental.

Went for a cardio test a couple of months ago and there was no charge. I'll be getting an ultrasound in a week or so. No charge again. Then I have to have a small surgery to repair an abdominal hernia. Guess what? Yup, no charge for that either.

Yup, our system sucks. Did I mention I pay less in taxes than you guys too.

Oh yeah, one last thing. I can go to any GP or any hospital I want to. If I don't like the specialist I'm referred to, I can always change that too. Isn't FREEDOM great? Do you guys have that freedom? Can you quit your job and still have full coverage, or are you kind of locked into your job if you want to have good healthcare? That would suck sweaty balls.
I know a good 20 Canucks personally. None would change the small amount they pay in tax for healthcare for our fucked up garbage system.

My Insurance company cancelled me effective today.
Well about 3000 statewide.

As of now we are told hospitals have to take us for a life threatening injury...and send us down the road once stabilized.

If not life threatening, they CAN turn you away.

So tomorrow I get to start looking as right now, No coverage. If I was a welfare case, no problemo stupid taxpayer gringos!
APLMAN99
Posts
12614
Joined
4/1/2008
Location
Tualatin, OR, USA
Fantasy
10/19/2016 6:46pm
Beast666 wrote:
I just got done switching my insurance for 2016 and selecting for 2017 For the rest of this year it will cost $65/month for medical dental...
I just got done switching my insurance for 2016 and selecting for 2017

For the rest of this year it will cost $65/month for medical dental and vision coverage. For 2017 it jumps up to a whopping $66/month.

And this is the top tier policies that are offered not the base policy.

800 deductible 2400 out of pocket max
80% / 20% on major procedure
0 dollar generic prescription
$350 HRA credit

Current Obama care plan
190/month after credit
1700 deductible
70/30 on major
Prescription prices all over the place
No dental no vision coverage
Job change? Employer contribution to premium?
APLMAN99
Posts
12614
Joined
4/1/2008
Location
Tualatin, OR, USA
Fantasy
10/19/2016 6:47pm
Rooster wrote:
I haven't paid anything in monthly premiums in over ten years. I've probably paid out about $300 in prescriptions over that time frame and maybe about...
I haven't paid anything in monthly premiums in over ten years.

I've probably paid out about $300 in prescriptions over that time frame and maybe about $1000-$1500 in dental.

Went for a cardio test a couple of months ago and there was no charge. I'll be getting an ultrasound in a week or so. No charge again. Then I have to have a small surgery to repair an abdominal hernia. Guess what? Yup, no charge for that either.

Yup, our system sucks. Did I mention I pay less in taxes than you guys too.

Oh yeah, one last thing. I can go to any GP or any hospital I want to. If I don't like the specialist I'm referred to, I can always change that too. Isn't FREEDOM great? Do you guys have that freedom? Can you quit your job and still have full coverage, or are you kind of locked into your job if you want to have good healthcare? That would suck sweaty balls.
Skidaddle wrote:
I know a good 20 Canucks personally. None would change the small amount they pay in tax for healthcare for our fucked up garbage system. My...
I know a good 20 Canucks personally. None would change the small amount they pay in tax for healthcare for our fucked up garbage system.

My Insurance company cancelled me effective today.
Well about 3000 statewide.

As of now we are told hospitals have to take us for a life threatening injury...and send us down the road once stabilized.

If not life threatening, they CAN turn you away.

So tomorrow I get to start looking as right now, No coverage. If I was a welfare case, no problemo stupid taxpayer gringos!
What occurred that lead to a cancellation?
Beast666
Posts
682
Joined
8/13/2013
Location
Englewood, CO, USA
10/19/2016 7:33pm Edited Date/Time 10/19/2016 7:38pm
Beast666 wrote:
I just got done switching my insurance for 2016 and selecting for 2017 For the rest of this year it will cost $65/month for medical dental...
I just got done switching my insurance for 2016 and selecting for 2017

For the rest of this year it will cost $65/month for medical dental and vision coverage. For 2017 it jumps up to a whopping $66/month.

And this is the top tier policies that are offered not the base policy.

800 deductible 2400 out of pocket max
80% / 20% on major procedure
0 dollar generic prescription
$350 HRA credit

Current Obama care plan
190/month after credit
1700 deductible
70/30 on major
Prescription prices all over the place
No dental no vision coverage
APLMAN99 wrote:
Job change? Employer contribution to premium?
You could say job change. It was a part time job i took on and earned enough hours to get there insurance over the market place. I am glad i stayed on with them as they ended up being my lifeline after i broke my back. Now i am just hoping that i will find a doctor that is willing to get me back up to health without being medicated to the hilt.

As for the employer contribution i am not sure but it is huge. Just compairing plans on the Colorado market place a comparable plan from the same insurance company is right around $950/month. Also helps that my employer has 300,000+ employees.

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