Hello There, Guest! (LoginRegister)

Post Reply 
Time is running out to sign up.
Author Message
mptnstr@44 Offline
Hall of Famer
*

Posts: 11,047
Joined: Aug 2011
Reputation: 427
I Root For: Nati Bearcats
Location:
Post: #61
RE: Time is running out to sign up.
(03-02-2014 09:43 PM)Paul M Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  
(03-02-2014 08:35 PM)Paul M Wrote:  
(03-02-2014 06:39 PM)Tom in Lazybrook Wrote:  
(03-02-2014 04:58 PM)THE NC Herd Fan Wrote:  Is the actual premium cheaper for the same or better coverage? Or are you:

a) enjoying the Obamacare subsidy so someone else is really paying that $300 for you?

b) getting lesser coverage but are fine with it?

c) have a smaller provider net work but are fine with it?

d) all of the above?


I don't qualify for a subsidy.

My existing insurance was through the Texas High Risk Pool. It was 730 bucks a MONTH for me alone.

The Gold BCBS PPO plan is 300 bucks a month cheaper, has a lower deductible and yearly maximum and has better prescription coverage.

I have type 1 Diabetes. Anyone born with a pre-existing condition is MUCH better off under Obamacare.

Dude, that would be a)

He isn't getting a subsidy. He has said it several times.

He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.
03-02-2014 09:51 PM
Find all posts by this user Quote this message in a reply
maximus Offline
Hall of Famer
*

Posts: 24,677
Joined: Nov 2008
Reputation: 1277
I Root For: MEMPHIS
Location:
Post: #62
Re: RE: Time is running out to sign up.
(03-02-2014 08:55 PM)Tom in Lazybrook Wrote:  
(03-02-2014 08:11 PM)EagleRockCafe Wrote:  
(03-02-2014 07:05 PM)EagleX Wrote:  
(03-02-2014 06:50 PM)dawgitall Wrote:  
(03-02-2014 05:30 PM)usmbacker Wrote:  Translation....I am a failure. Don't make much money. Get subsidies. I am a great liberal because I profit off of the hard work of those that are successful in life.

Some of us believe in the concept of the social compact. It isn't always about financial self interest. 07-coffee3

Ironic. The social compact is precisely what was destroyed by this massive government power grab. Precisely what was destroyed.

what you meant to say is that you believe in social justice.

Social compact= Live off of the hard work of others. No thank you.

Hey guys

if you're paying 430 bucks a MONTH for health care, you aren't getting a subsidy.

My health care was 730 under the Texas High Risk Pool per month. It is 430 under Obamacare. No subsidies.

What's the exact name of your plan

Sent from my SAMSUNG-SM-N900A using Tapatalk
03-02-2014 10:05 PM
Find all posts by this user Quote this message in a reply
GoodOwl Online
The 1 Hoo Knocks
*

Posts: 25,171
Joined: Nov 2010
Reputation: 2206
I Root For: New Horizons
Location: Planiverse
Post: #63
RE: Time is running out to sign up.
(03-02-2014 09:16 PM)DefCONNOne Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  He isn't getting a subsidy. He has said it several times.

No one believes him, except you.

I'll believe him. There is no harm in doing so. But from examining the fallout, I only find that he is one of the very, very few exceptions, while the vast majority of Americans' experiences are the direct opposite of Toms. And in no small numbers. The devastation and chaos caused by this legislation far exceeds, even in the preliminary stages, the few positive instances it may randomly have.

Tom seems to be the equivalent of the guy who wins the lottery. Sure, it's good for him. But as everyone knows, the vast majority of people (the 99%) lose so the few (the 1%, like Tom) can have their wins. And everyone knows how Tom feels about the 1% getting to win over the 99%, right Tom? I guess you'd be the greedy evil one in this case. How does it feel?
03-02-2014 10:28 PM
Find all posts by this user Quote this message in a reply
RaiderATO Offline
Puddin' Stick
*

Posts: 6,093
Joined: May 2005
Reputation: 139
I Root For: MiddleTennessee
Location: Colorado Springs, CO
Post: #64
RE: Time is running out to sign up.
(03-02-2014 07:17 PM)dawgitall Wrote:  All of us have an obligation to help society as a whole.

And if you won't be persuaded to do what I deem as best for society, I'll just force you?

I'm not sure you fully grasp what's going on here.
03-03-2014 12:41 AM
Find all posts by this user Quote this message in a reply
Fo Shizzle Offline
Pragmatic Classical Liberal
*

Posts: 42,023
Joined: Dec 2006
Reputation: 1203
I Root For: ECU PIRATES
Location: North Carolina

Balance of Power Contest
Post: #65
RE: Time is running out to sign up.
(03-02-2014 09:08 PM)dawgitall Wrote:  
(03-02-2014 08:37 PM)Fo Shizzle Wrote:  
(03-02-2014 05:25 PM)THE NC Herd Fan Wrote:  
(03-02-2014 05:15 PM)dawgitall Wrote:  
(03-02-2014 04:58 PM)THE NC Herd Fan Wrote:  Is the actual premium cheaper for the same or better coverage? Or are you:

a) enjoying the Obamacare subsidy so someone else is really paying that $300 for you?

b) getting lesser coverage but are fine with it?

c) have a smaller provider net work but are fine with it?

d) all of the above?

Herd if you are in Charlotte NC the exchange plans for BCBS are varied with extensive coverage and a very large provider network. The prices even without a subsidy are good. You can just purchase the same policies from a private insurance agent if you don't get a subsidy. Your rates in Charlotte are better than mine in rural NC because you have more competition.

Actually because I was an independent consultant for about a year I had BCBS and an individual policy holder. Prices after Obamacare are about 5% higher than I paid before. So really that is no difference. I have insurance through my employer now, but I thought only two companies were offering individual policies BCBS statewide and a smaller company for select markets in NC.

BCBS competition is ZERO east of I-95 and there is only one competitor west of I-95 for welfare insurance policies. There are independent polices that can be bought for those that do not qualify for the welfare handout. The are though MUCH more expensive than BCBS. I checked aetna and another company...they were 200+ more per month.

I guess the claim made by proponents of the ACA that it would spur competition are either flat out lies or grossly exaggerated myths.

But that isn't a result of the ACA. BCBS has dominated the market in NC for years.

That is irrelevant. I should be able to buy my insurance across state lines now. That was the intent of this.
03-03-2014 06:50 AM
Find all posts by this user Quote this message in a reply
dawgitall Offline
Heisman
*

Posts: 8,052
Joined: Apr 2006
Reputation: 195
I Root For: ECU/ASU/NCSU
Location:
Post: #66
RE: Time is running out to sign up.
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  
(03-02-2014 08:35 PM)Paul M Wrote:  
(03-02-2014 06:39 PM)Tom in Lazybrook Wrote:  I don't qualify for a subsidy.

My existing insurance was through the Texas High Risk Pool. It was 730 bucks a MONTH for me alone.

The Gold BCBS PPO plan is 300 bucks a month cheaper, has a lower deductible and yearly maximum and has better prescription coverage.

I have type 1 Diabetes. Anyone born with a pre-existing condition is MUCH better off under Obamacare.

Dude, that would be a)

He isn't getting a subsidy. He has said it several times.

He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead
03-03-2014 07:36 AM
Find all posts by this user Quote this message in a reply
SumOfAllFears Offline
Grim Reaper of Misguided Liberal Souls
*

Posts: 18,213
Joined: Nov 2008
Reputation: 58
I Root For: America
Location:
Post: #67
RE: Time is running out to sign up.
The exchanges are riddled with security holes and your personal info, for you and your family is at risk. This alone should make people steer clear. Unless of course, you trust your gov't.
03-03-2014 08:10 AM
Find all posts by this user Quote this message in a reply
EagleX Offline
Wake me when the suck is over
*

Posts: 14,790
Joined: Sep 2011
Reputation: 706
I Root For: Southern Miss
Location: Happy Hour
Post: #68
RE: Time is running out to sign up.
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  
(03-02-2014 08:35 PM)Paul M Wrote:  Dude, that would be a)

He isn't getting a subsidy. He has said it several times.

He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

it isn't how insurance works. government is dictating what is covered, how much it is covered for, & etc., etc., instead of allowing the market to set the conditions.

it's the exact opposite of how insurance works.
03-03-2014 08:45 AM
Find all posts by this user Quote this message in a reply
SumOfAllFears Offline
Grim Reaper of Misguided Liberal Souls
*

Posts: 18,213
Joined: Nov 2008
Reputation: 58
I Root For: America
Location:
Post: #69
RE: Time is running out to sign up.
(03-03-2014 08:45 AM)EagleX Wrote:  
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  He isn't getting a subsidy. He has said it several times.

He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

it isn't how insurance works. government is dictating what is covered, how much it is covered for, & etc., etc., instead of allowing the market to set the conditions.

it's the exact opposite of how insurance works.

Insurance Bailout by the taxpayer is on the horizon. Too big to fail gov't backed entity.
03-03-2014 08:48 AM
Find all posts by this user Quote this message in a reply
Paul M Offline
American-American
*

Posts: 21,196
Joined: May 2008
Reputation: 649
I Root For: OU
Location: Next to Boomer
Post: #70
RE: Time is running out to sign up.
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  
(03-02-2014 08:35 PM)Paul M Wrote:  Dude, that would be a)

He isn't getting a subsidy. He has said it several times.

He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

No it isn't. He had real insurance. It cost $300 a month more.

Ever have a car wreck? A teen? What happens to your rates?

High risk (used to) cost you more. Should a good driver pay the same as a driver who has had 6 wrecks to "offset" the higher costs of the reckless?
03-03-2014 09:36 AM
Find all posts by this user Quote this message in a reply
Tom in Lazybrook Offline
Hall of Famer
*

Posts: 22,299
Joined: Jul 2011
Reputation: 446
I Root For: So Alabama, GWU
Location: Houston
Post: #71
RE: Time is running out to sign up.
(03-03-2014 09:36 AM)Paul M Wrote:  
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  
(03-02-2014 09:10 PM)dawgitall Wrote:  He isn't getting a subsidy. He has said it several times.

He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

No it isn't. He had real insurance. It cost $300 a month more.

Ever have a car wreck? A teen? What happens to your rates?

High risk (used to) cost you more. Should a good driver pay the same as a driver who has had 6 wrecks to "offset" the higher costs of the reckless?

Not a great example. I'm a TYPE 1 Diabetic (genetic - JDS). I've never been fat. I'm not reckless.

In order to make the system work, healthy people will need to pay into the system. While they are in their twenties and thirties, men will be subsidizing others (women of childbearing age and older people). As those males grow older, they will be subsidized as men once they hit 45 end up costing more than women. Obamacare acts just like your employers health plan in this respect.

And absent Obamacare, you're still subsidizing others. You just do it on April 15.
(This post was last modified: 03-03-2014 10:03 AM by Tom in Lazybrook.)
03-03-2014 10:00 AM
Find all posts by this user Quote this message in a reply
Paul M Offline
American-American
*

Posts: 21,196
Joined: May 2008
Reputation: 649
I Root For: OU
Location: Next to Boomer
Post: #72
RE: Time is running out to sign up.
Thank you for admitting to subsides.
03-03-2014 10:07 AM
Find all posts by this user Quote this message in a reply
LSU04_08 Offline
Deo Vindice
*

Posts: 18,020
Joined: Jul 2013
Reputation: 234
I Root For: The Deplorables
Location: Bon Temps, La
Post: #73
RE: Time is running out to sign up.
(03-02-2014 05:00 PM)EagleRockCafe Wrote:  
(03-02-2014 04:53 PM)Tom in Lazybrook Wrote:  My Obamacare insurance is 300 bucks a month cheaper and the coverage is better than my previous insurance.

How many times are you going to post that? We get it, Chicago Jesus worked a miracle for you while screwing over millions. Must admit, believing you is a stretch also.

Careful, his butthole said that once...
03-03-2014 10:10 AM
Find all posts by this user Quote this message in a reply
LSU04_08 Offline
Deo Vindice
*

Posts: 18,020
Joined: Jul 2013
Reputation: 234
I Root For: The Deplorables
Location: Bon Temps, La
Post: #74
RE: Time is running out to sign up.
(03-02-2014 04:20 PM)dawgitall Wrote:  How to enroll? Start at HealthCare.gov or by calling 1-800-318-2596. Residents of states running their own marketplaces will be directed there; people in other states go through the federal exchange.

http://www.wral.com/this-month-s-big-dea.../13442770/

No. I refuse to pay for my insurance, AND everyone elses.
03-03-2014 10:11 AM
Find all posts by this user Quote this message in a reply
Tom in Lazybrook Offline
Hall of Famer
*

Posts: 22,299
Joined: Jul 2011
Reputation: 446
I Root For: So Alabama, GWU
Location: Houston
Post: #75
RE: Time is running out to sign up.
(03-03-2014 10:07 AM)Paul M Wrote:  Thank you for admitting to subsides.

Our current system relies on subsidies. Very inefficient ones.

Given that we aren't going to let people die because they have no ability to pay for their healthcare (and if you'd like to support that, I think you'll find that you would lose just about every election on that issue), there will ALWAYS be some sort of subsidy, somewhere in the system. You are paying a subsidy (or are the recipient of one) if you participate in an employer based healthcare plan. You are paying taxes to keep hospitals afloat for covering the uninsured. Or higher insurance premiums (as the costs to the insured are higher as providers must figure out how to cover the costs of the uninsured).
03-03-2014 10:30 AM
Find all posts by this user Quote this message in a reply
EagleRockCafe Offline
Hall of Famer
*

Posts: 13,221
Joined: Nov 2003
Reputation: 430
I Root For: Eagles
Location:
Post: #76
RE: Time is running out to sign up.
[Image: rpi3.gif]
03-03-2014 10:51 AM
Find all posts by this user Quote this message in a reply
Paul M Offline
American-American
*

Posts: 21,196
Joined: May 2008
Reputation: 649
I Root For: OU
Location: Next to Boomer
Post: #77
RE: Time is running out to sign up.
I was only addressing your situation. You were singing the praises of Obamacare. You said you weren't getting any subsides. Nothing changed in your life health wise. Your rate dropped $300. Your claim was your rate dropped $300 but you weren't receiving any subsidy.

It matters not whether an insurer tells you your rate is $780 but they are charging you $480 and your neighbors will pick up the other $300 or they simply tell you your rate is $480 with no mention of the remainder of your tab being covered. It still is.

You're getting a better deal. Your neighbors, and there are more of them, aren't.
03-03-2014 12:02 PM
Find all posts by this user Quote this message in a reply
Fo Shizzle Offline
Pragmatic Classical Liberal
*

Posts: 42,023
Joined: Dec 2006
Reputation: 1203
I Root For: ECU PIRATES
Location: North Carolina

Balance of Power Contest
Post: #78
RE: Time is running out to sign up.
(03-03-2014 10:00 AM)Tom in Lazybrook Wrote:  
(03-03-2014 09:36 AM)Paul M Wrote:  
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

No it isn't. He had real insurance. It cost $300 a month more.

Ever have a car wreck? A teen? What happens to your rates?

High risk (used to) cost you more. Should a good driver pay the same as a driver who has had 6 wrecks to "offset" the higher costs of the reckless?

Not a great example. I'm a TYPE 1 Diabetic (genetic - JDS). I've never been fat. I'm not reckless.

In order to make the system work, healthy people will need to pay into the system. While they are in their twenties and thirties, men will be subsidizing others (women of childbearing age and older people). As those males grow older, they will be subsidized as men once they hit 45 end up costing more than women. Obamacare acts just like your employers health plan in this respect.

And absent Obamacare, you're still subsidizing others. You just do it on April 15.

Evidently we now just have another legal Ponzi scheme to go along with SS. Funny how only the government is allow to run these.
03-03-2014 12:18 PM
Find all posts by this user Quote this message in a reply
Fo Shizzle Offline
Pragmatic Classical Liberal
*

Posts: 42,023
Joined: Dec 2006
Reputation: 1203
I Root For: ECU PIRATES
Location: North Carolina

Balance of Power Contest
Post: #79
RE: Time is running out to sign up.
(03-03-2014 08:48 AM)SumOfAllFears Wrote:  
(03-03-2014 08:45 AM)EagleX Wrote:  
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  
(03-02-2014 09:43 PM)Paul M Wrote:  He is. His policy was high because of his condition. Under the law, the insurance companies can't bill him directly for his pre-existing illness so guess who they do bill? Other people. That's a subsidy, by another name if you like.

Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

it isn't how insurance works. government is dictating what is covered, how much it is covered for, & etc., etc., instead of allowing the market to set the conditions.

it's the exact opposite of how insurance works.

Insurance Bailout by the taxpayer is on the horizon. Too big to fail gov't backed entity.

It already is in the ACA under its reinsurance clause. You know damn well it will be used.
03-03-2014 12:20 PM
Find all posts by this user Quote this message in a reply
EagleX Offline
Wake me when the suck is over
*

Posts: 14,790
Joined: Sep 2011
Reputation: 706
I Root For: Southern Miss
Location: Happy Hour
Post: #80
RE: Time is running out to sign up.
(03-03-2014 12:20 PM)Fo Shizzle Wrote:  
(03-03-2014 08:48 AM)SumOfAllFears Wrote:  
(03-03-2014 08:45 AM)EagleX Wrote:  
(03-03-2014 07:36 AM)dawgitall Wrote:  
(03-02-2014 09:51 PM)mptnstr@44 Wrote:  Exactly. The cost to insure him didn't magically go down it is just being borne by others in the form of their rate increases. Those paying more aren't paying more to receive more services, they are bearing the cost of the insurers now having to take on those with pre-existing conditions. Insurer won't eat those costs...they'll pass them on.

Come on people, that is how insurance works in the first place. The people that don't use the coverage as much offset the people that use it a lot. 03-banghead

it isn't how insurance works. government is dictating what is covered, how much it is covered for, & etc., etc., instead of allowing the market to set the conditions.

it's the exact opposite of how insurance works.

Insurance Bailout by the taxpayer is on the horizon. Too big to fail gov't backed entity.

It already is in the ACA under its reinsurance clause. You know damn well it will be used.

the loss corridors would have to be "re-imagined" at another one of those unilateral legislative press conferences, but I'm sure it will happen, as well.
03-03-2014 12:21 PM
Find all posts by this user Quote this message in a reply
Post Reply 




User(s) browsing this thread: 1 Guest(s)


Copyright © 2002-2024 Collegiate Sports Nation Bulletin Board System (CSNbbs), All Rights Reserved.
CSNbbs is an independent fan site and is in no way affiliated to the NCAA or any of the schools and conferences it represents.
This site monetizes links. FTC Disclosure.
We allow third-party companies to serve ads and/or collect certain anonymous information when you visit our web site. These companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other Web sites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third party web beacon to collect this information. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit http://www.networkadvertising.org.
Powered By MyBB, © 2002-2024 MyBB Group.