Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Your employer must have a very good broker or an employer that is willing to eat more of the costs.

That is not the trend that I have seen among my clients.

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Clearly Tom is an example of every American Obamcare experience....

(09-10-2014 09:10 AM)Bull_In_Exile Wrote:  

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Clearly Tom is an example of every American Obamcare experience....

Bull...knock it off. You know damned well I have never said that and certainly don't believe it. Stop being an ignorant ass. Thanks.

Kaiser survey finds employer sponsored health care costs only increased 3% in 2014.

Quote:Annual premiums for employer-sponsored family health coverage reached $16,834 this year, up 3 percent from last year, with workers on average paying $4,823 towards the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2014 Employer Health Benefits Survey. Survey results are released here in a variety of ways, including a full report with downloadable tables, summary of findings, and an article published in the journal Health Affairs.

2014 Employer Health Benefits Survey

(09-10-2014 09:29 AM)Redwingtom Wrote:  

(09-10-2014 09:10 AM)Bull_In_Exile Wrote:  

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Clearly Tom is an example of every American Obamcare experience....

Bull...knock it off. You know damned well I have never said that and certainly don't believe it. Stop being an ignorant ass. Thanks.

Tom, you are misinterpreting how people feel about the law. Saying they don't want to repeal it doesn't mean they like it or think it is working.

Millions upon millions of people lost their coverage so you can sit here and pretend you just scored a touchdown. This is not a solution to health care IMO and I wouldn't get comfortable with the idea of this working long term.

I saw a post on another message board where health care costs have plummeted. They even cited a CBO study but didn't link it. I was hoping it would pop up here. I couldn't find an article to back it up.

(09-10-2014 09:34 AM)oklalittledixie Wrote:  

(09-10-2014 09:29 AM)Redwingtom Wrote:  

(09-10-2014 09:10 AM)Bull_In_Exile Wrote:  

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Clearly Tom is an example of every American Obamcare experience....

Bull...knock it off. You know damned well I have never said that and certainly don't believe it. Stop being an ignorant ass. Thanks.

Tom, you are misinterpreting how people feel about the law. Saying they don't want to repeal it doesn't mean they like it or think it is working.

Millions upon millions of people lost their coverage so you can sit here and pretend you just scored a touchdown. This is not a solution to health care IMO and I wouldn't get comfortable with the idea of this working long term.

That's not true either. I've never claimed that polling doesn't look bad when the ACA is polled. I've only made the accurate assessment that when many individual parts of the ACA are polled that many people like it.

And please provide a cite for your claim that millions upon millions of people lost their coverage. Many just were transitioned to ACA compliant plans. So I'd like to see your information so I can examine your claim. Thanks.

(09-10-2014 09:38 AM)Redwingtom Wrote:  

(09-10-2014 09:34 AM)oklalittledixie Wrote:  

(09-10-2014 09:29 AM)Redwingtom Wrote:  

(09-10-2014 09:10 AM)Bull_In_Exile Wrote:  

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Clearly Tom is an example of every American Obamcare experience....

Bull...knock it off. You know damned well I have never said that and certainly don't believe it. Stop being an ignorant ass. Thanks.

Tom, you are misinterpreting how people feel about the law. Saying they don't want to repeal it doesn't mean they like it or think it is working.

Millions upon millions of people lost their coverage so you can sit here and pretend you just scored a touchdown. This is not a solution to health care IMO and I wouldn't get comfortable with the idea of this working long term.

That's not true either. I've never claimed that polling doesn't look bad when the ACA is polled. I've only made the accurate assessment that when many individual parts of the ACA are polled that many people like it.

And please provide a cite for your claim that millions upon millions of people lost their coverage. Many just were transitioned to ACA compliant plans. So I'd like to see your information so I can examine your claim. Thanks.

Tom, that's another liberal talking point tactic and I've heard them all. Forcing someone to switch over to a more expensive, lower quality plan is losing your coverage. Most of these people also lost their doctors. Many still don't have coverage...and that ranges in the millions.
http://nypost.com/2014/01/14/another-25-...e-victims/

You are not a microcosm of the typical Obamacare signup.

Anecdotes are nice and only provide talking points. The major impact, per the CBO, of Obamacare won't have an effect until after 2016 when all of the provisions are in operation. I'll wait until 2018 to comment. Until then, this is just a waste of band width.

(09-10-2014 09:00 AM)BucFyre Wrote:  

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Your employer must have a very good broker or an employer that is willing to eat more of the costs.

That is not the trend that I have seen among my clients.

. . . or, pre-ACA, he was in a high risk pool in a massively expensive (blue) state, lived in a high crime area, had multiple preexisting conditions, weighed 900 pounds, smoked 5 packs a day, had anal sex with haitian zoo animals on the weekends, and lived in a lead smelting plant.

the people claiming that ACA is nirvana are that 2% of the population that this abomination was designed for* . . . we could buy them all their own hospital for the trillions of dollars this despicable, liberty destroying piece of covert tyranny is going to cost us. AND it will destroy the quality of the contry's health care.

yeah. what a great deal.

* or they are just lying.

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Dude... If Aetna did not put a limit on your OOP Costs, then you've definitely been getting hosed by Aetna previously and not an Obamacare related issue.

I've NEVER known an insurance company to not put a limit on OOP expenses.

But just to warn you, your prescription drugs may be staying about the same (My wife's didn't, they went up quite a bit.) but those premium costs are gonna skyrocket on you in the near future.

My wife's company went to Cigna before Obamacare, and they WARNED the company that their costs were going to be going up "fairly drastically" in the future, but they never gave numbers to my recollection.

Directly from my e-mail:

Quote:• Minimal changes to medical plan design features. While little will change, there may be operational nuances in how some services are covered. The only benefit design change you will likely see is an enhancement in the CVS/caremark prescription drug benefit in the form of a new overall out-of-pocket limit on prescription drug costs required by the Affordable Care Act.

• Minimal medical plan premium increase for 2015. Based on our favorable experience under the medical plan, employee contribution rates will increase by only 1%. Compared to medical trends at other employers, this is very low.

(09-10-2014 10:45 AM)Redwingtom Wrote:  Directly from my e-mail:

Quote:• Minimal changes to medical plan design features. While little will change, there may be operational nuances in how some services are covered. The only benefit design change you will likely see is an enhancement in the CVS/caremark prescription drug benefit in the form of a new overall out-of-pocket limit on prescription drug costs required by the Affordable Care Act.

• Minimal medical plan premium increase for 2015. Based on our favorable experience under the medical plan, employee contribution rates will increase by only 1%. Compared to medical trends at other employers, this is very low.

was the email from a nigerian prince? did he offer to make you a millionaire if you would only invest a few thousand dollars?

(09-10-2014 10:46 AM)EagleX Wrote:  

(09-10-2014 10:45 AM)Redwingtom Wrote:  Directly from my e-mail:

Quote:• Minimal changes to medical plan design features. While little will change, there may be operational nuances in how some services are covered. The only benefit design change you will likely see is an enhancement in the CVS/caremark prescription drug benefit in the form of a new overall out-of-pocket limit on prescription drug costs required by the Affordable Care Act.

• Minimal medical plan premium increase for 2015. Based on our favorable experience under the medical plan, employee contribution rates will increase by only 1%. Compared to medical trends at other employers, this is very low.

was the email from a nigerian prince? did he offer to make you a millionaire if you would only invest a few thousand dollars?

LOL

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

I thought the ACA was supposed to reduce costs.

(09-10-2014 09:31 AM)Redwingtom Wrote:  Kaiser survey finds employer sponsored health care costs only increased 3% in 2014.

I'm really tired of schooling your ignorant ass on this stuff

1) The 10 year growth rate for this cohort is only about 5%. It's the OTHER people who are growing at 15%. You want to talk about them? They're still growing at AT LEAST 15% (and arguably 100% because many of them paid nothing before)
2) There are fewer employer sponsored heath care plans in 2014 than in 2013 as a result of Obamacare.
3) Those that experienced lower than average claims the previous year (and thus would have the lowest increases in premiums) are the ones most likely to continue with their plans, directly leading to a relatively low increase in the premiums for this group. The ones with higher than average claims who would push that 3% number up to 5% are far more likely to convert to other plans... because they would be cheaper.

You keep playing fast and loose with these numbers... As an example... anyone who switched from a non-compliant plan to a compliant one wouldn't be included in your 3% growth number, but if you DID include them, obviously those costs would push that 3% number up... and likely well above the 5% historical growth rate for this group.... and while you might argue that they are getting more insurance coverage, there is no indication that they are getting more care. So either way, their costs have gone up substantially... and you are excluding them in order to try and claim that costs are not going up by as much as they really are.

(09-10-2014 09:29 AM)Redwingtom Wrote:  

(09-10-2014 09:10 AM)Bull_In_Exile Wrote:  

(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

Clearly Tom is an example of every American Obamcare experience....

Bull...knock it off. You know damned well I have never said that and certainly don't believe it. Stop being an ignorant ass. Thanks.

Then the point of this was what? It's certainly the indication that people objecting to the AFA re ignorant "Stoopid Obamacare"..

Don't get your panties in a wad for getting called on it.

(09-10-2014 11:25 AM)Hambone10 Wrote:  

(09-10-2014 09:31 AM)Redwingtom Wrote:  Kaiser survey finds employer sponsored health care costs only increased 3% in 2014.

I'm really tired of schooling your ignorant ass on this stuff

1) The 10 year growth rate for this cohort is only about 5%. It's the OTHER people who are growing at 15%. You want to talk about them? They're still growing at AT LEAST 15% (and arguably 100% because many of them paid nothing before)
2) There are fewer employer sponsored heath care plans in 2014 than in 2013 as a result of Obamacare.
3) Those that experienced lower than average claims the previous year (and thus would have the lowest increases in premiums) are the ones most likely to continue with their plans, directly leading to a relatively low increase in the premiums for this group. The ones with higher than average claims who would push that 3% number up to 5% are far more likely to convert to other plans... because they would be cheaper.

You keep playing fast and loose with these numbers... As an example... anyone who switched from a non-compliant plan to a compliant one wouldn't be included in your 3% growth number, but if you DID include them, obviously those costs would push that 3% number up... and likely well above the 5% historical growth rate for this group.... and while you might argue that they are getting more insurance coverage, there is no indication that they are getting more care. So either way, their costs have gone up substantially... and you are excluding them in order to try and claim that costs are not going up by as much as they really are.

Good, then stop.

I don't read a quarter of your one-sided views on this issue anyway. You have a vested interested and have made that abundantly clear. I don't care what you think or say.

(09-10-2014 11:47 AM)Redwingtom Wrote:  

(09-10-2014 11:25 AM)Hambone10 Wrote:  

(09-10-2014 09:31 AM)Redwingtom Wrote:  Kaiser survey finds employer sponsored health care costs only increased 3% in 2014.

I'm really tired of schooling your ignorant ass on this stuff

1) The 10 year growth rate for this cohort is only about 5%. It's the OTHER people who are growing at 15%. You want to talk about them? They're still growing at AT LEAST 15% (and arguably 100% because many of them paid nothing before)
2) There are fewer employer sponsored heath care plans in 2014 than in 2013 as a result of Obamacare.
3) Those that experienced lower than average claims the previous year (and thus would have the lowest increases in premiums) are the ones most likely to continue with their plans, directly leading to a relatively low increase in the premiums for this group. The ones with higher than average claims who would push that 3% number up to 5% are far more likely to convert to other plans... because they would be cheaper.

You keep playing fast and loose with these numbers... As an example... anyone who switched from a non-compliant plan to a compliant one wouldn't be included in your 3% growth number, but if you DID include them, obviously those costs would push that 3% number up... and likely well above the 5% historical growth rate for this group.... and while you might argue that they are getting more insurance coverage, there is no indication that they are getting more care. So either way, their costs have gone up substantially... and you are excluding them in order to try and claim that costs are not going up by as much as they really are.

Good, then stop.

I don't read a quarter of your one-sided views on this issue anyway. You have a vested interested and have made that abundantly clear. I don't care what you think or say.

Well that was a very ugly thing to say.