I'm looking at about $1,400.00/year. That's not too bad - but I'm in a very low-risk segment of our society.

I feel bad for families with pre-existing conditions and other concerns. They must be getting killed out there.

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

WTF does that have to do with anybody else? My costs doubled under my old employers policy. My new employer is much more reasonable but that's completely beside the point. On average, costs are going up for Americans to help subsidize other people.

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

You're welcome.

(02-16-2015 02:43 PM)Redwingtom Wrote:  

(02-16-2015 02:35 PM)smn1256 Wrote:  

(02-16-2015 01:14 PM)Redwingtom Wrote:  

(02-16-2015 12:37 PM)smn1256 Wrote:  

(02-16-2015 11:25 AM)Redwingtom Wrote:  I called bull**** on this claim of yours before. So it's time to put up or shut up. Prove it, if it's even true, and also prove it was related DIRECTLY to the ACA.

The drug is Abilify. Try to find a price for it, if you think I'm lying then prove it. And no, the substitutes for it don't work, they actually make his condition worse. Amazingly, one of the substitutes costs only $6.00. We were so hopeful, too.

The cost went up on 1/1/15 and my insurance company said it was "because of recent changes in the health care laws." Sorry, I didn't record the call, but I can give you their number.

And thanks for calling me a liar about something you know nothing about but is in fact part of my life. You can be such a dickhead that I often think there's a pee hole at the top of your head.

Steve, you said you are covered by your employers insurance, correct? Was the drug mostly covered by them last year? It sounds like it was. Is it mostly covered by it this year, it sounds like it isn't. Now, please point to what exactly in the ACA, that was signed several years, that changed the price of this drug on 1/1/2015?

You won't find it.

The problem is either with your employer wanting to cut costs, or with your insurance company wanting to cut costs.

For you to say that this increase was the lone fault of the ACA with no more evidence than a vague phone response to who knows what asked question just doesn't cut it. Sorry.

Tom, bottom line the friggin law is called Affordable. It's not. It was supposed to save me $2500 per year. It's not. It was supposed to cut the deficit, It's not. It helps YOU and for that guys like me, LSU, Blunder, Creb, etc have to take it in the shorts, get hosed, pound sand, pull pudd, or whatever you want to call it as long as we can prove to the IRS we're doing it. Your friggin messiah lied, the ignorant voters among us fell for it even though they were warned, and now guys who were happy with what we had before are screwed. But you make it sound like I'm the only one having a problem.

No Steve it wasn't! The $2,500 was not the final ACA bill that passed. That was in the model the Obama campaign had come up with before they even started to negotiate a plan. They never got the law anywhere near the law they were proposing on the campaign trail! This is not a mystery.

Again Steve, your complaint is either with your employer or with United Healthcare. I looked up their prescription listings for 2014 and 2015, and actually Abilify went from a Tier 4 (highest cost) in 2014 to a Tier 3 (mid-range cost) in 2015. However, in 2015 they added a caveat that in some plans it would be covered as a Tier 4. This is what I expect happened in your case. Your employer likely went with this drug in the Tier 4 level, so it was cheaper to them and then you ended up with the bill. This was not a direct product of the ACA. It just wasn't.

2014 United HealthCare Prescription Drug List - See Page #14
2015 United HealthCare Prescription Drug List - See Page #18

It figures the two drugs my family needs the most are in tier 4.

But still, it doesn't matter what was finally passed, Obama ran on costs being lowered by $2500 and mine have gone through the roof. And not a single republican was on board with this, it's all on democrats. Even if Reid wrote a law increasing costs, Obama still signed it which means he either knowingly broke his promise or he ignorantly signed into law something he had no knowledge of which makes him incompetent.


And that loon Fitbud is so far removed from reality about this because we, as tax payers, provide for his teacher's health insurance. He thinks because he has it good that we all do. Why isn't he asking "why do I have it good?" Probably because he doesn't care or realize that other people are paying his way.

Ignorance is bliss.

(02-16-2015 02:46 PM)blunderbuss Wrote:  

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

WTF does that have to do with anybody else? My costs doubled under my old employers policy. My new employer is much more reasonable but that's completely beside the point. On average, costs are going up for Americans to help subsidize other people.

When haven't they?

But with the ACA starting to cover more of the uninsured...and more people buying health insurance equating to more competition. In theory, the market should allow for cheaper insurance in the long run. Imagine if all the states were taking the medicare expansion what could happen!

Yeah...I'm not holding my breath either.

(02-16-2015 02:59 PM)smn1256 Wrote:  

(02-16-2015 02:43 PM)Redwingtom Wrote:  

(02-16-2015 02:35 PM)smn1256 Wrote:  

(02-16-2015 01:14 PM)Redwingtom Wrote:  

(02-16-2015 12:37 PM)smn1256 Wrote:  The drug is Abilify. Try to find a price for it, if you think I'm lying then prove it. And no, the substitutes for it don't work, they actually make his condition worse. Amazingly, one of the substitutes costs only $6.00. We were so hopeful, too.

The cost went up on 1/1/15 and my insurance company said it was "because of recent changes in the health care laws." Sorry, I didn't record the call, but I can give you their number.

And thanks for calling me a liar about something you know nothing about but is in fact part of my life. You can be such a dickhead that I often think there's a pee hole at the top of your head.

Steve, you said you are covered by your employers insurance, correct? Was the drug mostly covered by them last year? It sounds like it was. Is it mostly covered by it this year, it sounds like it isn't. Now, please point to what exactly in the ACA, that was signed several years, that changed the price of this drug on 1/1/2015?

You won't find it.

The problem is either with your employer wanting to cut costs, or with your insurance company wanting to cut costs.

For you to say that this increase was the lone fault of the ACA with no more evidence than a vague phone response to who knows what asked question just doesn't cut it. Sorry.

Tom, bottom line the friggin law is called Affordable. It's not. It was supposed to save me $2500 per year. It's not. It was supposed to cut the deficit, It's not. It helps YOU and for that guys like me, LSU, Blunder, Creb, etc have to take it in the shorts, get hosed, pound sand, pull pudd, or whatever you want to call it as long as we can prove to the IRS we're doing it. Your friggin messiah lied, the ignorant voters among us fell for it even though they were warned, and now guys who were happy with what we had before are screwed. But you make it sound like I'm the only one having a problem.

No Steve it wasn't! The $2,500 was not the final ACA bill that passed. That was in the model the Obama campaign had come up with before they even started to negotiate a plan. They never got the law anywhere near the law they were proposing on the campaign trail! This is not a mystery.

Again Steve, your complaint is either with your employer or with United Healthcare. I looked up their prescription listings for 2014 and 2015, and actually Abilify went from a Tier 4 (highest cost) in 2014 to a Tier 3 (mid-range cost) in 2015. However, in 2015 they added a caveat that in some plans it would be covered as a Tier 4. This is what I expect happened in your case. Your employer likely went with this drug in the Tier 4 level, so it was cheaper to them and then you ended up with the bill. This was not a direct product of the ACA. It just wasn't.

2014 United HealthCare Prescription Drug List - See Page #14
2015 United HealthCare Prescription Drug List - See Page #18

It figures the two drugs my family needs the most are in tier 4.

But still, it doesn't matter what was finally passed, Obama ran on costs being lowered by $2500 and mine have gone through the roof. And not a single republican was on board with this, it's all on democrats. Even if Reid wrote a law increasing costs, Obama still signed it which means he either knowingly broke his promise or he ignorantly signed into law something he had no knowledge of which makes him incompetent.


And that loon Fitbud is so far removed from reality about this because we, as tax payers, provide for his teacher's health insurance. He thinks because he has it good that we all do. Why isn't he asking "why do I have it good?" Probably because he doesn't care or realize that other people are paying his way.

Yes Steve, but not all Democrats are created equally! Several of them would never have gone for a plan that would have allowed for the huge savings to individuals that Obama wanted because it would have been more costly...so he compromised with them to get what he could get passed.

Again, I'm not the biggest fan of the ACA by a long shot and would have preferred a sort of medicare-for-all approach, but I will not sit idly by as people just make up stuff about the ACA.

(02-16-2015 02:44 PM)oliveandblue Wrote:  I'm looking at about $1,400.00/year. That's not too bad - but I'm in a very low-risk segment of our society.

I feel bad for families with pre-existing conditions and other concerns. They must be getting killed out there.

Its not just pre-existing conditions i'm being hammered just because i have a family. if i was single itd be 1500, if it was just me and my wife itd be 7200 but since i have a kid it is 11K.

Well i guess that life of the middle class.

(02-16-2015 03:29 PM)Redwingtom Wrote:  

(02-16-2015 02:46 PM)blunderbuss Wrote:  

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

WTF does that have to do with anybody else? My costs doubled under my old employers policy. My new employer is much more reasonable but that's completely beside the point. On average, costs are going up for Americans to help subsidize other people.

When haven't they?

But with the ACA starting to cover more of the uninsured...and more people buying health insurance equating to more competition. In theory, the market should allow for cheaper insurance in the long run. Imagine if all the states were taking the medicare expansion what could happen!

Yeah...I'm not holding my breath either.

So you think giving out more free health insurance in the form of medicaid expansion will increase competition? Doctors don't want medicaid patients - it's a loser for them and they try and run from having to treat the medicaid crowd.

(02-16-2015 02:26 PM)blunderbuss Wrote:  

(02-16-2015 02:16 PM)smn1256 Wrote:  

(02-16-2015 02:15 PM)blunderbuss Wrote:  

(02-16-2015 12:37 PM)smn1256 Wrote:  

(02-16-2015 11:25 AM)Redwingtom Wrote:  I called bull**** on this claim of yours before. So it's time to put up or shut up. Prove it, if it's even true, and also prove it was related DIRECTLY to the ACA.

The drug is Abilify. Try to find a price for it, if you think I'm lying then prove it. And no, the substitutes for it don't work, they actually make his condition worse. Amazingly, one of the substitutes costs only $6.00. We were so hopeful, too.

The cost went up on 1/1/15 and my insurance company said it was "because of recent changes in the health care laws." Sorry, I didn't record the call, but I can give you their number.

And thanks for calling me a liar about something you know nothing about but is in fact part of my life. You can be such a dickhead that I often think there's a pee hole at the top of your head.

Who's your health insurance provider? What state?

United Health Care - New Mexico

Not sure how or why Abilify costs so much there. The patent on Abilify just expired or is about to expire. You might want to check these out.

http://www.bms.com/products/Pages/programs.aspx
http://otsuka-us.com/Resources/Pages/Pat...tance.aspx
http://www.samsca.com/documents/pdf/pati...orm-pi.pdf

Thanks for the links. As of this time, there is no generic for Abilify, we've checked. But I do have the option of getting 20, not 30, but 20 pills in Juarez for $100. But it's too dangerous.

(02-16-2015 02:44 PM)oliveandblue Wrote:  I'm looking at about $1,400.00/year. That's not too bad - but I'm in a very low-risk segment of our society.

I feel bad for families with pre-existing conditions and other concerns. They must be getting killed out there.

I'm at $4200/year with $2000 out of pocket before insurance pays a dime. Then, it's 20/80 percent till I get to $12,000 out of pocket before insurance pays the rest.

Basically, if I stay healthy - health insurance costs me $6 grand a year for 2 people. If either of us has an operation, I'm in for $12 grand in that year. Sooo affordable.

(02-16-2015 02:46 PM)blunderbuss Wrote:  

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

WTF does that have to do with anybody else? My costs doubled under my old employers policy. My new employer is much more reasonable but that's completely beside the point. On average, costs are going up for Americans to help subsidize other people.

My insurance premiums haven't gone up in at least 4 years.

As a nation we spend far too much money on healthcare. It's to the point where it is an economic ball and chain.

(02-16-2015 04:32 PM)HeartOfDixie Wrote:  As a nation we spend far too much money on healthcare. It's to the point where it is an economic ball and chain.

You liberal?

(02-16-2015 04:31 PM)Fitbud Wrote:  

(02-16-2015 02:46 PM)blunderbuss Wrote:  

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

WTF does that have to do with anybody else? My costs doubled under my old employers policy. My new employer is much more reasonable but that's completely beside the point. On average, costs are going up for Americans to help subsidize other people.

My insurance premiums haven't gone up in at least 4 years.

Which only hammers home that you lap up your dear leaders crap because so far you are unaffected........could also lead one to believe that you don't give a sh!t because it's someone else whose ox is gored, not yours.

It will come to affect you though, remember, the worst of the Act is just getting ready to come on-line.

What SMN and other have been saying is like the canary in the mine. When the canary falls over dead - you're next to get bent over and receive it dry..........

(02-16-2015 01:14 PM)Redwingtom Wrote:  Steve, you said you are covered by your employers insurance, correct? Was the drug mostly covered by them last year? It sounds like it was. Is it mostly covered by it this year, it sounds like it isn't. Now, please point to what exactly in the ACA, that was signed several years, that changed the price of this drug on 1/1/2015?

You won't find it.

The problem is either with your employer wanting to cut costs, or with your insurance company wanting to cut costs.

For you to say that this increase was the lone fault of the ACA with no more evidence than a vague phone response to who knows what asked question just doesn't cut it. Sorry.

Any idea why that is?? Because of obamacare.

(02-16-2015 02:43 PM)Redwingtom Wrote:  No Steve it wasn't! The $2,500 was not the final ACA bill that passed. That was in the model the Obama campaign had come up with before they even started to negotiate a plan. They never got the law anywhere near the law they were proposing on the campaign trail! This is not a mystery.

Oh, you mean the one they used so they could fool the stupid asses in America?

(02-16-2015 04:31 PM)Fitbud Wrote:  

(02-16-2015 02:46 PM)blunderbuss Wrote:  

(02-16-2015 02:40 PM)Fitbud Wrote:  Guys seriously. I pay $2340 a year for health insurance.

My co pays re $30
Emergency is $100

and my deductibles are $1500 per person.

I don't think that is unreasonable at all.

WTF does that have to do with anybody else? My costs doubled under my old employers policy. My new employer is much more reasonable but that's completely beside the point. On average, costs are going up for Americans to help subsidize other people.

My insurance premiums haven't gone up in at least 4 years.

We aren't talking about your premiums you ******* idiot. What part of "on average" do you not get?

Absolute cheapest I can do, and this is from 2014, not since they've increased everything in 2015, is $3539.32 per year... That's over $1,000.00 more than I was paying... But my copay went from $20.00 to $6,250.00 and this is for the craptastic Bronze plan for one person, it's freaking $12,700 with a family... And that's IF I'm within my network. Out of network, it's $12,700 just for me, $25,400 for family... Then it's 80/20%, but first it's deductible, THEN coinsurance. WTF is up with that???

For the good plan, I'm looking at $7,425.88 per year with a $250.00 copay. Gosh, how generous. $618.82 per month, WOW, that's almost $100.00 more than my effing mortgage.

What the hell kind of affordable shiit is any of this?

Simply put, I can't afford even the cheapest plan and I don't qualify for a subsidy because my employer offers insurance.

(02-16-2015 05:14 PM)LSU04_08 Wrote:  Absolute cheapest I can do, and this is from 2014, not since they've increased everything in 2015, is $3539.32 per year... That's over $1,000.00 more than I was paying... But my copay went from $20.00 to $6,250.00 and this is for the craptastic Bronze plan for one person, it's freaking $12,700 with a family... And that's IF I'm within my network. Out of network, it's $12,700 just for me, $25,400 for family... Then it's 80/20%, but first it's deductible, THEN coinsurance. WTF is up with that???

For the good plan, I'm looking at $7,425.88 per year with a $250.00 copay. Gosh, how generous. $618.82 per month, WOW, that's almost $100.00 more than my effing mortgage.

What the hell kind of affordable shiit is any of this?

That's ridiculous. You're saying your monthly cost of insurance withheld from your pay is $618.82? I have the bronze family plan and mine is less than $90 per pay period (every two weeks).