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An open letter from an Alabama mom about her personal experience with Obamacare aka ACA

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  • #31
    Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

    Originally posted by Good1 View Post
    Agreed... it is pretty difficult to grasp.

    But the Patient Protection and Affordable Care Act was something significant that was slipped in on us, too. So I still hold to my belief that he still wants a Single Payer System and is doing something to get it in the near future.

    I'd love to be proven wrong.
    There have been many Democrats quoted saying that this is just the first step to single payer. That's what the public option was all about.

    Senate majority Leader Harry Reid is making no secret of the fact that Democrats look at Obama's signature legislation as merely a step towards putting ObamaCare on steroids through a single-payer system.
    Reid: ObamaCare Just a Step Towards Single-Payer System

    מה מכילות החדשות?


    • #32
      Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

      Originally posted by Texan View Post
      Didn't it go into effect January 1? Has anybody in the nation received even a check up under 0bamacare? I haven't heard about it.
      My wife went in for a big ear problem, ohh wait we are not on the ACA our insurance plan is covered through the Hospital she is working at. NVM.

      מה מכילות החדשות?


      • #33
        Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

        Originally posted by Good1 View Post
        Agreed... it is pretty difficult to grasp.

        But the Patient Protection and Affordable Care Act was something significant that was slipped in on us, too. So I still hold to my belief that he still wants a Single Payer System and is doing something to get it in the near future.

        I'd love to be proven wrong.
        As would I. But I don't think that ObamaCare was 'slipped in', as there was a loud Republican opposition. Granted, completely impotent, but still, a loud opposition.

        מה מכילות החדשות?


        • #34
          Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

          Originally posted by Greenbeard View Post
          She's not paying $828/month this year.

          She and her husband bought the benchmark plan in her area, the Blue Value Silver (a BCBS PPO product). Her premium for the two of them after the tax credit is applied, according to her, is $204.19/month. And if you look that particular plan up on healthcare.gov you'll find that for people of their income they have a family deductible of $800 ($400 for either of them individually) with a max out-of-pocket of $2,000 (again, $1,000 individually).

          Her two young children, meanwhile, are enrolling in Alabama's CHIP program (to whoever above said they doubt that every state has a CHIP program--of course they do), which is just a subsidized BCBS PPO product as well. The cost to the family for both kids combined, again according to her, is $17/month.

          I know this is some tricky math but follow me on this one: $204/month + $17/month = $221/month.

          They're spending considerably less on health insurance this year than they were less year.
          Originally posted by 9aces View Post
          You really suck at math don't you? Or you just didn't read it.

          380 a month last year.
          828 a month this year.

          Higher co-pays, MUCH higher deductible.

          I'm not sure what planet that equates to "better" for you, but it's not this one.
          Originally posted by OldmanDan View Post
          I see you completely ignored my response about them now being on the government dole and hating it. You also ignored the fact that tax payers are now paying for something less than they had and were paying for themselves. But in the mind of Democrats, this is a good thing.
          Exactly what I was going to state as well. They've gone from choosing the plan they could afford, paying for it themselves, being self-sufficient, to paying more for a plan that is inferior and being on the government dole to pay for it.

          Explain to me again how this is progress and a better end state for them? 'Cause I'm not seeing it. Really I'm not.

          מה מכילות החדשות?


          • #35
            Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

            Originally posted by eohrnberger View Post
            Originally posted by Greenbeard View Post
            She's not paying $828/month this year.

            She and her husband bought the benchmark plan in her area, the Blue Value Silver (a BCBS PPO product). Her premium for the two of them after the tax credit is applied, according to her, is $204.19/month. And if you look that particular plan up on healthcare.gov you'll find that for people of their income they have a family deductible of $800 ($400 for either of them individually) with a max out-of-pocket of $2,000 (again, $1,000 individually).

            Her two young children, meanwhile, are enrolling in Alabama's CHIP program (to whoever above said they doubt that every state has a CHIP program--of course they do), which is just a subsidized BCBS PPO product as well. The cost to the family for both kids combined, again according to her, is $17/month.

            I know this is some tricky math but follow me on this one: $204/month + $17/month = $221/month.

            They're spending considerably less on health insurance this year than they were less year.
            Originally posted by 9aces View Post
            You really suck at math don't you? Or you just didn't read it.

            380 a month last year.
            828 a month this year.

            Higher co-pays, MUCH higher deductible.

            I'm not sure what planet that equates to "better" for you, but it's not this one.
            Originally posted by OldmanDan View Post
            I see you completely ignored my response about them now being on the government dole and hating it. You also ignored the fact that tax payers are now paying for something less than they had and were paying for themselves. But in the mind of Democrats, this is a good thing.
            Exactly what I was going to state as well. They've gone from choosing the plan they could afford, paying for it themselves, being self-sufficient, to paying more for a plan that is inferior and being on the government dole to pay for it.

            Explain to me again how this is progress and a better end state for them? 'Cause I'm not seeing it. Really I'm not.
            Crickets.

            מה מכילות החדשות?


            • #36
              Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

              Originally posted by Greenbeard View Post
              She's not paying $828/month this year.

              She and her husband bought the benchmark plan in her area, the Blue Value Silver (a BCBS PPO product). Her premium for the two of them after the tax credit is applied, according to her, is $204.19/month. And if you look that particular plan up on healthcare.gov you'll find that for people of their income they have a family deductible of $800 ($400 for either of them individually) with a max out-of-pocket of $2,000 (again, $1,000 individually).

              Her two young children, meanwhile, are enrolling in Alabama's CHIP program (to whoever above said they doubt that every state has a CHIP program--of course they do), which is just a subsidized BCBS PPO product as well. The cost to the family for both kids combined, again according to her, is $17/month.

              I know this is some tricky math but follow me on this one: $204/month + $17/month = $221/month.

              They're spending considerably less on health insurance this year than they were less year.
              828 for the same plan they had.

              So they end up with a worse plan, that costs more, and because someone else gets forced at gunpoint to pay for it, this is a good thing? BTW, I didn't look it up on healthcare.gov, since we know the government has a vested interest in lying to us, and has shown no compunction about doing so.

              I looked that plan up on BCBS. Family deductible of $800???....gee, according to their PDF, looks like

              COST SHARING IN-NETWORK OUT-OF-NETWORK
              Calendar Year Deductible
              The in-network and out-of-network calendar year deductibles are separate and do not apply to each other
              $2,400 individual ($4,800 family)
              $2,400 individual ($4,800 family)
              Calendar Year Out-of-Pocket
              Maximum (including the innetwork
              calendar year deductible)
              $6,350 individual ($12,700 family)
              There is no out-of-pocket maximum for out of network

              That ain't a family deductible of $800 now is it? Oh, and they only cover 80% for pretty much everything under that plan, so you're GOING to have to take that into account.

              מה מכילות החדשות?


              • #37
                Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                Originally posted by 9aces View Post
                So they end up with a worse plan, that costs more, and because someone else gets forced at gunpoint to pay for it, this is a good thing? BTW, I didn't look it up on healthcare.gov, since we know the government has a vested interest in lying to us, and has shown no compunction about doing so.
                A worse plan? They (and many like them) are virtually certain to have a plan with more comprehensive benefits and a higher actuarial value than they had before.

                To give a sense of what the individual market in Alabama looked like prior to the ACA, the plan with the median premium for a family of 4 in Alabama last year had a $22,500 deductible and a $31,000 out-of-pocket max. And it still cost over $550/month in premiums. Want to guess if it likely covered the essential health benefits their new plan does?

                Their plan this year, again, has an $800 deductible for them and a $2,000 out-of-pocket max.

                I looked that plan up on BCBS. Family deductible of $800???....gee, according to their PDF, looks like
                This is their plan. And that's a link right from BCBS of Alabama's website.

                Their family size, the cost of that plan for them, and the value of their premium tax credit pegs them as being early 30s and making low $40,000s. Which means that particular plan has an 87% actuarial value for them, which is why they have an $800 family deductible.

                מה מכילות החדשות?


                • #38
                  Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                  Originally posted by Greenbeard View Post
                  A worse plan? They (and many like them) are virtually certain to have a plan with more comprehensive benefits and a higher actuarial value than they had before.
                  Yep...worse. You see I actually have BCBS of Alabama....and have for over 20 years.


                  Originally posted by Greenbeard View Post
                  To give a sense of what the individual market in Alabama looked like prior to the ACA, the plan with the median premium for a family of 4 in Alabama last year had a $22,500 deductible and a $31,000 out-of-pocket max. And it still cost over $550/month in premiums. Want to guess if it likely covered the essential health benefits their new plan does?
                  Not sure where you got that horseshit from. But that isn't the BCBS plan I have, or no one else I know has....and it costs a lot less than $550. And yes, it covered dental, which the one you linked doesn't, vision, again...the one you linked doesn't....and btw, doesn't match up to the benefits booklet I gave you the information from the PDF for. Could it be you're looking at something quite different? I think so.

                  Originally posted by Greenbeard View Post
                  Their plan this year, again, has an $800 deductible for them and a $2,000 out-of-pocket max.
                  Not according to http://www.google.com/url?q=https://...DlpM6bwzIIs1SQ

                  Bit more comprehensive than your "summary" isn't it. BTW, those...excluded services are a bitch.



                  Originally posted by Greenbeard View Post
                  This is their plan. And that's a link right from BCBS of Alabama's website.

                  Their family size, the cost of that plan for them, and the value of their premium tax credit pegs them as being early 30s and making low $40,000s. Which means that particular plan has an 87% actuarial value for them, which is why they have an $800 family deductible.
                  You actually look at the "87% plan"....with the full booklet info, you find out a few things....not to mention that the deductible and out of pocket is higher.

                  Say it with me....90% of the allowed amount, subject to the calendar year deductible

                  That's a rather common statement pertaining to coverages. Do you see that with the BCBS Silver plan...you know, the non-87% one that's "better" according to you? No...it's 100% of the allowed amount.

                  So with your "better" plan, you're picking up the tab for 10% of your medical expenses...say it with me....that isn't covered...at all by your insurance.

                  Next time if you're going to talk to someone about Alabama insurance...pick someone who isn't from the state and has it.

                  מה מכילות החדשות?


                  • #39
                    Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                    Originally posted by 9aces View Post
                    Not according to http://www.google.com/url?q=https://...DlpM6bwzIIs1SQ

                    Bit more comprehensive than your "summary" isn't it. BTW, those...excluded services are a bitch.
                    Probably helps to look at the right plan: Blue Value Silver.

                    See page 2 (pictured below!): the deductible is $800 for the family, $400 for individuals.

                    מה מכילות החדשות?


                    • #40
                      Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                      Originally posted by 9aces View Post
                      828 for the same plan they had.

                      So they end up with a worse plan, that costs more, and because someone else gets forced at gunpoint to pay for it, this is a good thing? BTW, I didn't look it up on healthcare.gov, since we know the government has a vested interest in lying to us, and has shown no compunction about doing so.

                      I looked that plan up on BCBS. Family deductible of $800???....gee, according to their PDF, looks like

                      COST SHARING IN-NETWORK OUT-OF-NETWORK
                      Calendar Year Deductible
                      The in-network and out-of-network calendar year deductibles are separate and do not apply to each other
                      $2,400 individual ($4,800 family)
                      $2,400 individual ($4,800 family)
                      Calendar Year Out-of-Pocket
                      Maximum (including the innetwork
                      calendar year deductible)
                      $6,350 individual ($12,700 family)
                      There is no out-of-pocket maximum for out of network

                      That ain't a family deductible of $800 now is it? Oh, and they only cover 80% for pretty much everything under that plan, so you're GOING to have to take that into account.
                      Obamacare is nothing more than wealth redistribution via health care. REMEMBER you used to be able to purchase a medical insurance policy--and NO ONE asked you how much you earned or what your income was? Not today. That's the first thing they go too. It's too see if you qualify for taxpayer subsidies, or Medicade.

                      We have RICH people who have no W-2 income or other shown--that were put on Medicade--even after telling the representative they were rich and wanted to purchase a plan--LOL We have others who have paid their own bills during their life--and want to purchase a plan--but their eligible for Medicade and the representative refuses to sell them a plan, & or the plan is so outrageous in cost they are forced into Medicade.
                      ObamaCare forcing people into Medicaid | Fox News

                      It's hillarious--a typical Federal Government program at work.

                      Purpose of Obamacare: to insure the uninsured Effect of Obamacare: uninsuring the insured

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                      • #41
                        Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                        Originally posted by OldmanDan View Post
                        It's sort of like the MSM when they say "Zimmerman arrested again." but don't report "Zimmerman released after girlfriend says she lied.".
                        That certainly is true of large media, be it Fox or NBC. Can't argue with you there.
                        I was talking specifically about chain emails (which I still am trying to figure out why they are such a right wing thing)

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                        • #42
                          Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                          Originally posted by rocheteau View Post
                          That certainly is true of large media, be it Fox or NBC. Can't argue with you there.
                          I was talking specifically about chain emails (which I still am trying to figure out why they are such a right wing thing)
                          I think it's like talk radio being a right wing thing. Liberals have tried repeatedly to garner an audience for left wing talk and it fails every time. I really think that most libs are just not interested in political discussion.

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                          • #43
                            Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                            Originally posted by OldmanDan View Post
                            I think it's like talk radio being a right wing thing. Liberals have tried repeatedly to garner an audience for left wing talk and it fails every time. I really think that most libs are just not interested in political discussion.
                            They don't need political discussions like the right wing and moderates typically do. You know, to get more information re-evalute, re-consider.

                            Liberals just know how they feel. That's all it takes for them.

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