Many people nationwide face loss of cheap policies under new health care reform rules

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posted on Oct, 13 2013 @ 09:30 AM
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Well, I guess we have more proof that you CANNOT keep the coverage you have, as insurers at least in Michigan are opting to drop policies rather than make them ACA compliant.

I've been doing some research over the past weeks, and a "decent" BlueCross PPO on ehealth.com was $267 per month....not cheap, but possibly doable...although the deductible was $7500.
It covered a couple of office visits without worrying about the deductible and was something I could live with if I had to.
It will not be available in 2014. BCBS is dropping all individual policies in Michigan.

Instead, a Silver Plan BCBS PPO costs more than double per month....and nothing seems to be covered before the deductible is met.

Blue Cross Blue Shield of Michigan has notified about 140,000 policyholders on the individual market that their plans will end Dec. 31. Health Alliance Plan and its subsidiaries are dropping 6,000 plans.

Both are major players on the state exchange, where 13 insurers, including a HAP subsidiary and another Blues insurer, Blue Care Network, are offering 142 plans.

That Blue Cross and HAP are ending current policies on the individual market isn’t surprising,

www.freep.com...

Michigan estimator
www7.dleg.state.mi.us...

National estimator
www.valuepenguin.com...

So, are members seeing the same thing happening in their states? Are you now finding out that more and more citizens cannot keep the coverage that they have???
edit on Tue Oct 15 2013 by DontTreadOnMe because: (no reason given)




posted on Oct, 13 2013 @ 09:40 AM
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reply to post by DontTreadOnMe
 

My hope is that the ACA is just another example of the unintended negative consequences of excessive (what isn't) government regulation and invasive policy.

But, the more such outcomes are ignored and this 'damn the torpedoes, full speed ahead' attitude is maintained, the more I have to suspect intentionally destructive designs.



posted on Oct, 13 2013 @ 10:15 AM
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Thanks for the heads up DontTreadOnMe. I'll be keeping a eye on this one. Thanks.



posted on Oct, 13 2013 @ 01:06 PM
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My daughter is loosing her Blue cross policy. It was about one fifty a month and the deductible was about 2500. It covered a couple doctors visits a year also. She makes quite a bit working on a contractual basis about six months a year so she won't qualify for government help on premiums. She says they have a special plan based on fluctuating income though, paying a higher premium when you are working and a lower one when you aren't. This means she has to put in her income every month though. She can't even get her taxes done when she is supposed to without getting an extension. I can see she will be paying a high premium every month.



posted on Oct, 13 2013 @ 07:25 PM
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DontTreadOnMe
So, are members seeing the same thing happening in their states? Are you now finding out that more and more citizens cannot keep the coverage that they have???


Yes indeed, here from the Golden State. Sad really, I wont go into details,
suffice it to say that the same kind of plan only with triple the decuctable
is more than double here. Also, the young 18 to 20 something are also
getting hit big time.


Why is this called "Affordable Care Act"???



posted on Oct, 14 2013 @ 08:36 PM
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Here's an earlier article, which I think was posted, on 10 other states where folks are getting dumped'
dailycaller.com...

President Barack Obama famously promised, “If you like your health care plan, you can keep your health care plan.” He later got even more specific.

“If you are among the hundreds of millions of Americans who already have health insurance through your job, or Medicare, or Medicaid, or the VA, nothing in this plan will require you or your employer to change the coverage or the doctor you have,” Obama said.

But as Obamacare’s rollout approaches, we have learned this is not true. Here are the ten states where consumers may like their health care plans, but they won’t be able to keep them.




and an earlier article
www.washingtontimes.com...



posted on Oct, 15 2013 @ 01:15 PM
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All City of Chicago retirees are losing their healthcare.
As of JAn 1, 2014, they will be phased off the city plan, and then onto ACA.

“In light of the evolving national health care landscape, as well as pressures faced by our taxpayers, we are adjusting the current retiree healthcare plan while continuing to provide a substantial city subsidy in 2014,” the mayor was quoted as saying in a news release. “Importantly, the 2014 plan for affected retirees will include no increases in co-pays, deductibles or out-of-pocket costs other than the same small percentage increases that already occurred annually in the previous plan.”

The Chicago Sun-Times reported in May that Emanuel had decided to extend the retiree health care subsidy until Jan. 1, then phase it out by 2017 to relieve Chicago taxpayers of a $108.7 million-a-year burden they could no longer afford.

www.suntimes.com...

And, it was announced today that City of Detroit retirees will be cut off their insurance totally Jan 1, 2014.
The cuts will also effect active employees as their deductibles and copays will increase sharply, no doubt due to ACA compliance.
www.abovetopsecret.com...

We've been reading about outrageous rate hikes in the private sector, looks like they are seeking to some of the public sector as well.



posted on Oct, 15 2013 @ 01:33 PM
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DontTreadOnMe
Here's an earlier article, which I think was posted, on 10 other states where folks are getting dumped'
dailycaller.com...


“If you are among the hundreds of millions of Americans who already have health insurance through your job, or Medicare, or Medicaid, or the VA, nothing in this plan will require you or your employer to change the coverage or the doctor you have,” Obama said.

That quote has always baffled me... "hundreds of millions" already have healthcare? There are only 3-hundred million people in the country so, quite literally, everyone already had healthcare of some sort... according to Obama.

Current, extant laws require hospitals to treat and stabilize a patient regardless of ability to pay.

Do they have to do lung or kidney transplants? No, but they are supposed to stabilize the patient, if possible.

Will they be required to do lung or kidney transplants under ACA? NO!... so same as before.

ACA has changed very little with regards to healthcare coverage, other than growing Uncle Sam another hand to reach into one's pocket.

And I have to laugh, though not happily. As I've mentioned before, if I cover my wife and I under ACA, it'll be over $900 monthly whereas her employer's offering would be around $500, but they are doing away with that for all but 'full time' employees- over 35 hours weekly; she is 25-32 hours.



posted on Oct, 15 2013 @ 01:41 PM
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My healthcare hasn't changed at all. Not one bit.



posted on Oct, 15 2013 @ 01:47 PM
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This is where common sense should have come into play, trumping the Cult of Personality. By mandating everyone must purchase health insurance and setting a specific threshold which each plan must meet or exceed to qualify under the mandate, Obama artificially spiked systemic demand through the roof. The problem is, by also passing the "previously existing condition" law (among other "regulatory elements to the law), he also artificially spiked internal demand and stresses on the insurance companies pool of available funds (which come from the premiums holders pay).

Now obviously with this current failed presidency, the concept of "what goes out must first come in" is completely lost... the USA has seen the debt nearly double under his misrule as a testament of that fact. The same unrealistic fantasy world his presidency lives in apparently bleeds into his vision of insurance, too. The trouble is that doesn't fly in the business world. Businesses respond to an increase in outflows by increasing inflows equal to outflow plus profit margin. The only rational outcome of Obamacare was much higher premiums across the board to accomodate the much higher outflows he was mandating.

THIS is why we need a voter qualifications test before any American is allowed to vote in an election. Foreign policy, tax policy (to a degree), and morality are subjective and personal... simple math isn't.



posted on Oct, 15 2013 @ 01:48 PM
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I'll find out in a couple weeks how much extra I will pay for insurance through my employer. I'm currently enrolled in the best available plan BCBS offers to me. According to what I'm reading from others I'm pretty confident my plan will be eliminated and I'll have to select a more expensive plan that covers less. Yay for Affordable Health Care!



posted on Oct, 15 2013 @ 02:03 PM
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But, But, But, But Obama Said!!!!!



Every thing he's said has been a lie for you folks.
Luckily, I'm Grandfathered in to my health care and I've all ready called O P M, Obama Care does not effect me or my BC/BS, I won't see any changes at all to my coverage, my premiums will stay the same and I still have my open season starting Nov 9th to change my health insurance if we want to. It's hard to find a health insurance that covers you when you travel over seas as much as we do, we often go back to see my wife's family in China for 3 months and I see old friends from the Cold War Days in Russia and I travel to Vietnam sometimes with old buddies to get closure if they can.
Yes, we've use our health care in all those countries. So, for our $386. a month I think our BC/BS PPO is a pretty good deal.

Thank GOD, I don't have to Put Up With The Obama Horror of Health Care!
edit on 15-10-2013 by guohua because: (no reason given)
edit on 15-10-2013 by guohua because: (no reason given)



posted on Oct, 15 2013 @ 02:09 PM
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burntheshipsWhy is this called "Affordable Care Act"???


A good assumption is that anything that the gov tells you is the opposite of what it means.

This law was made to jack up rates (except for the people in power) and bleed the country dry.

What they should have written into law was that any life threatening or quality of life health expense over x% of your income would be covered by a gov funded program* and everything else is paid out of the patients pocket. Take away the health 'insurance' and a doctors visit would be what you pay to take your dog to the vet for, meds would be proportionally the same.

Simplistic example I know but it works.


* (Ex the US doctors seperate conjoined twins from other countries on pro bono) why can't we take care of the taxpayers with the same grace?.



posted on Oct, 15 2013 @ 02:11 PM
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reply to post by DontTreadOnMe
 

With many others here, I have been saying this for a while.

Not surprised. Can't wait till everyone hurts due to this Unconstitutional Law.

I told you so is nice to say, but hurts as well.



posted on Oct, 15 2013 @ 02:30 PM
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VforVendettea
* (Ex the US doctors seperate conjoined twins from other countries on pro bono) why can't we take care of the taxpayers with the same grace?.


Because Jerry Springer and Maury Povich don't give a rat's ass about providing doctor's free publicity by broadcasting their courageous tackling of John Q. Taxpayer's blown out shoulder, staph infected ingrown hair, or high blood pressure treatment. That's the sad, but honest truth. A very small minority of human beings are purely altruistic. The rest of us do what we do to recieve some form of compensation, be it through cash, glory, friendship, sex, or some combination of the previous. I love my job, but if I wasn't getting paid to do it, I can easily come up with several dozen things I'd rather be doing... all of them self serving and non-altruistic.

(This is why true socialism will always be a failing venture. Human nature is wholeheartedly in opposition to extending oneself in absence of just compensation or self identification.)



posted on Oct, 15 2013 @ 02:48 PM
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This is getting interesting.

I received a letter and a phone call within the past couple of weeks here in Texas that my BCBS (self pay, high premium/high deductible, seldom used) would NOT be changing and that my coverage would remain the same and in place.
Also was thanked profusely for loyalty...that and a dime,right? I pay you a crap-load of money and you say thanks.

NOW...here's where it gets "interesting": today I received a statement from my OB/GYN office for a visit a couple of weeks ago.Minor ailment, I usually only go once a year.

It included a cute little note on sunny-yellow paper that stated "if you pay before the end of the year in cash, we are happy to offer you a one-time discount for your services."

Sliding scale discount, starting at 10% and going up to 20% for over 1K owed.One-time offer.

Upscale office,have been with the Dr. for 20 years...it's a "group" now but still would be considered "non-clinic" in location and quality of care and the physicians in the group are the creme de la creme locally.

I called someone I know who works there and wanted to pay my bill and in the conversation asked "why" the discount...because NO ONE IS PAYING THEIR BILLS!!! They are going to a "pre-paid" system for OB services because the money simply isn't coming in from patients OR the insurance companies!!!

They are not being paid at all.

I think there is something to all of the "healthcare" scam that's simmering that I for one am "missing"...there must be a bigger game at play?

I'm going to guess that a LOT more private-care physicians are going to start offering "cash discounts" for services and to hell with the BS and that includes dealing with the insurance companies?

I know "elective procedures" (plastic and other specialty practices) have NEVER dealth wth insurance companies, either you can pay or get financing (special credit) or you don't get the work done.

I think it's all about to get very interesting.



posted on Oct, 15 2013 @ 02:56 PM
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reply to post by irishchic
 


Of all the possible outcomes I've heard from ACA, that is probably the most beneficial one. Quick fyi, those 10 to 20% discounts aren't really discounts. That is just profit that the clinic can do without. Most doctor services in this country are over inflated in cost thanks to the insurance companies (who negotiate lower prices after you turn your bills over to them). It's about time that doctors stop dealing with insurance companies and start going directly to the patient with their "discounts."



posted on Oct, 15 2013 @ 03:08 PM
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reply to post by DontTreadOnMe
 


If they made those policies compliant, they would no longer be cheap.

They were cheap for a reason...they sucked and didn't really cover anything. Don't you understand that this was the entire problem with our current healthcare insurance industry? They sold crap policies to people, charged "low" premiums, but then when people went to use them they got denied coverage.

You were being sold crap in a bag and being told it was insurance, now you are crying because you can't buy that crap anymore and instead have to buy real insurance coverage.

The insurance industry was built on denial of coverage, that is just how it worked. Employees in the insurance industry were evaluated on how much they could deny. Promotions were based on it, raises were based on it, bonuses were based on it. And it seems like you and others want that system to continue.

I just don't understand people, they would rather throw away money on an insurance policy that is crap and would never actually help them, so they would pay more in the long run...instead of just paying a little more each month to know that you are covered no matter what.

People's priorities suck...that is why we were forced to have government come in and set your priorities for you.



posted on Oct, 15 2013 @ 03:10 PM
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damwel
My healthcare hasn't changed at all. Not one bit.


Neither has mine...neither has anyone in my family.

Ironically, it only seems to be changing for Republicans...or maybe...just maybe...they are misinformed and not very knowledgeable about what is going on.



posted on Oct, 15 2013 @ 03:12 PM
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AlienScience


People's priorities suck...that is why we were forced to have government come in and set your priorities for you.


Since the insurance companies are all based on a "denial of service" WHY did Obama include them in his "free for all" plan to give everyone Healthcare, and WHY are their stocks up 200 to 300% this year alone?

I might agree with the priorities part, but this "tax" isn't wanted by many Americans.
edit on 15-10-2013 by sonnny1 because: typo fix





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