(02-16-2015 04:47 PM)LSU04_08 Wrote:  

(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.

Right...insurance costs to the end consumer weren't going up, drastically, every year before the ACA...I forgot.

(02-16-2015 05:26 PM)Redwingtom Wrote:  

(02-16-2015 04:47 PM)LSU04_08 Wrote:  

(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.

Right...insurance costs to the end consumer weren't going up, drastically, every year before the ACA...I forgot.

But Obamacare was supposed to make it more affordable for everybody... I forgot.

(02-16-2015 05:29 PM)blunderbuss Wrote:  

(02-16-2015 05:26 PM)Redwingtom Wrote:  

(02-16-2015 04:47 PM)LSU04_08 Wrote:  

(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.

Right...insurance costs to the end consumer weren't going up, drastically, every year before the ACA...I forgot.

But Obamacare was supposed to make it more affordable for everybody... I forgot.

Right...and all in 4 short years!

(02-16-2015 11:05 AM)Crebman Wrote:  

(02-16-2015 10:56 AM)smn1256 Wrote:  

(02-16-2015 10:44 AM)Fitbud Wrote:  

(02-16-2015 10:42 AM)Crebman Wrote:  What a surprise - things Hambone and others within the field have been saying would happen..........

Free healthcare isn't free - imagine that.

http://finance.yahoo.com/news/co-payment...02146.html

Who ever said healthcare was free?

Whatever happened to the $2500 savings?

I pay $7k in insurance premiums and have a $12k deductible. 2 years ago I was paying less than $2k per year in premiums and had a $3k deductible. On January 1st of this year a drug my kid absolutely needs went from a hair over $20.00 per month to $912.13 per month and it is all because of Obamacare. My cholesterol meds went from $20 to $400 a month. And I have to pay out the ass for the asthma inhalers for both my wife and kid. I have nothing left to stiulate the economy with. The only people I'm stimulating are the evil insurance companies.

I am the middle class, why is Obama killing me?

Because he only gives lip service to you, but really only cares about those at the bottom as a voting constituency and those at the top that fund his politics. Face it, you don't have anything he wants....

White Middle class straight Male ! Screwed !

Ya, we've got it real tough.

(02-16-2015 05:34 PM)Redwingtom Wrote:  

(02-16-2015 05:29 PM)blunderbuss Wrote:  

(02-16-2015 05:26 PM)Redwingtom Wrote:  

(02-16-2015 04:47 PM)LSU04_08 Wrote:  

(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.

Right...insurance costs to the end consumer weren't going up, drastically, every year before the ACA...I forgot.

But Obamacare was supposed to make it more affordable for everybody... I forgot.

Right...and all in 4 short years!

What are you saying, that costs will go down? Are you that insane?

(02-17-2015 12:38 AM)UCF08 Wrote:  Ya, we've got it real tough.

So what are your premiums, deductibles and other costs? What percentage of your salary are you paying for healthcare?

(02-16-2015 11:04 AM)Fitbud Wrote:  

(02-16-2015 10:56 AM)smn1256 Wrote:  

(02-16-2015 10:44 AM)Fitbud Wrote:  

(02-16-2015 10:42 AM)Crebman Wrote:  What a surprise - things Hambone and others within the field have been saying would happen..........

Free healthcare isn't free - imagine that.

http://finance.yahoo.com/news/co-payment...02146.html

Who ever said healthcare was free?

Whatever happened to the $2500 savings?

I pay $7k in insurance premiums and have a $12k deductible. 2 years ago I was paying less than $2k per year in premiums and had a $3k deductible. On January 1st of this year a drug my kid absolutely needs went from a hair over $20.00 per month to $912.13 per month and it is all because of Obamacare. My cholesterol meds went from $20 to $400 a month. And I have to pay out the ass for the asthma inhalers for both my wife and kid. I have nothing left to stiulate the economy with. The only people I'm stimulating are the evil insurance companies.

I am the middle class, why is Obama killing me?

I cannot believe that you can't find something better than that?

Why don't you look somewhere else.

Thanks to Obamacare, you can do that with a pre existing condition.

What does that matter if one can't afford the deductible?

(02-16-2015 05:25 PM)Redwingtom Wrote:  

(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).

For the Platinum, yes. For the Bronze, it's $295 per month. That's for Single and non smoker. I'd have to go back and find my email again to see what the family monthly cost would be, but it's even more expensive. I don't know how you get away with $180 a month unless you catch a break with subsidies somewhere, but I don't qualify.

Edit: For each child under 19, it's $31.73 per month. So tack on another $126.92 per month. So $421.92 with a family plan.

(02-16-2015 05:34 PM)Redwingtom Wrote:  

(02-16-2015 05:29 PM)blunderbuss Wrote:  

(02-16-2015 05:26 PM)Redwingtom Wrote:  

(02-16-2015 04:47 PM)LSU04_08 Wrote:  

(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.

Right...insurance costs to the end consumer weren't going up, drastically, every year before the ACA...I forgot.

But Obamacare was supposed to make it more affordable for everybody... I forgot.

Right...and all in 4 short years!

WTF dude, it was supposed to be cheaper and affordable from launch... I just emailed the guy I talk to about health insurance, from BC/BS, and asked for this year's rates. I'll get back with you on what he says.

Maybe you can get his opinion on Obamacare while you're at it.

(02-17-2015 11:57 AM)blunderbuss Wrote:  Maybe you can get his opinion on Obamacare while you're at it.

He doesn't have much of one, I asked him last year what he thought lol... But he responded. The Bronze Plan, cheapest, is $296.81. Gosh, what a sigh of relief.

I really like their balance billing. If I go to a place outside of the coverage area, I have to cover all additional costs. If my GF gets pregnant, nothing will be covered until I pay the full deductible which would cover a normal pregnancy or surgery, so what the hell good is that...?

And if I don't like it, BAM, penalty. If I can't afford it, BAM, penalty.

(02-17-2015 11:57 AM)blunderbuss Wrote:  Maybe you can get his opinion on Obamacare while you're at it.

He just told me the rates went up A LOT and what I listed was the cheapest plan available to avoid the "Obamacare" penalty.

So there we go, straight from the mouth of my insurance agent, $296.81 PER MONTH is the f*cking cheapest.

(02-17-2015 12:37 PM)LSU04_08 Wrote:  

(02-17-2015 11:57 AM)blunderbuss Wrote:  Maybe you can get his opinion on Obamacare while you're at it.

He just told me the rates went up A LOT and what I listed was the cheapest plan available to avoid the "Obamacare" penalty.

So there we go, straight from the mouth of my insurance agent, $296.81 PER MONTH is the f*cking cheapest.

Liar.

You can get on the government website and enter in your information and see what it would cost.

My 'Obamacare' price is $85 per month more expensive than my current employer based health insurance.

(02-16-2015 05:25 PM)Redwingtom Wrote:  

(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).

If your cost is $90 per pay period, then either your employer is picking up a big chunk of the cost, or you are heavily subsidized. (Based upon your "projected" income you had to enter when you signed up.)

You could be heavily subsidized because your projected income was wrong. I hope you didnt make more money than the paultry amount you entered, because you are in for a shock in a few months if that is the case.

Things can vary wildly between different states.

I know some friends in Alaska that are seeing massive increases. Here, in Alabama, they have been much more modest and some folks have even come out on the winning side of the thing.

(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.

You better hope your wife or life partner doesnt divorce you, because you have already stated you are on their policy. Her company is either running on an exemption or a grandfathered plan. Which means you are avoiding the cluster of Obamcare, so far.

(02-17-2015 12:59 PM)smudge12 Wrote:  Reading some of these stories, some employers/insurance companies must be doing something completely wrong...or simply trying to screw people.

I don't understand how my insurance went up a whopping $6/month this year for the same plan while some of you are seeing increases of thousands of dollars.

My friend is in the same boat as some of you...she'll pay almost $1000 more this year through her employer for an even worse plan, and of course the company's reasoning is the ACA.

But I don't completely buy that reasoning. Some employers are pulling off admirable insurance plans/agreements (and I'm lucky to be employed by one) and other employers are in the opposite boat. Something just seems off about the whole thing.

It really has nothing to do with companies trying to screw their employees. Whenever legislation like this debacle is passed companies will always make adjustments to stay operational.

Another thing you need to remember is some of the prices and plans being thrown around are apples and oranges.

(02-17-2015 12:59 PM)smudge12 Wrote:  Reading some of these stories, some employers/insurance companies must be doing something completely wrong...or simply trying to screw people.

I don't understand how my insurance went up a whopping $6/month this year for the same plan while some of you are seeing increases of thousands of dollars.

My friend is in the same boat as some of you...she'll pay almost $1000 more this year through her employer for an even worse plan, and of course the company's reasoning is the ACA.

But I don't completely buy that reasoning. Some employers are pulling off admirable insurance plans/agreements (and I'm lucky to be employed by one) and other employers are in the opposite boat. Something just seems off about the whole thing.

My agent is a pretty genuine fellow and isn't out for screwing people over.

He told me about a place that offers a 6 month policy and is much cheaper, but the only drawback is that they don't avoid the penalty. So really I'm f*cked either way. Health Insurance and a ridiculous penalty, or no health insurance and a ridiculous penalty. How lucky can a guy get?