Thanks Obamacare for my 68% premium increase!

a reply to: peter_kandra

I also have Humana and...........Open enrollment is this coming march. They are already saying rates are going up. I have a 80/20 with a 2000 deductible. I know we are lucky to have such good insurance......It is still expensive.


A friend at work who just had a baby says the out of pocket cost was 20,000 after the insurance. They have the same exact plan I have. This is getting insane people.


The PTB had better wake up and see the writing on the wall. People across the country are getting pissed off. How long can it go on like this......one year.......two years.......at the most three I believe. The entire system is a lie. The American dream is a lie.

originally posted by: smithjustinb

originally posted by: StoutBroux

At this point, I don't know what any party can do to 'fix' Obamacare.

Republicans can repeal it if they win in November.

Um, didn't they want Romneycare?

Why is anyone still falling for the obviously orchestrated distraction of government? You can only drop out to save yourself. Also, that charade can't hold up forever. The people are getting wise. It'll be good to have a place to go when it all falls down. See you on the farm.

originally posted by: projectvxn
a reply to: Wildbob77

Which includes the government foray into managed care.

Remember that Medicaid and Medicare, the managed care system created by the government, has long since been creating major inflation in the healthcare and health insurance industries for decades.

Obamacare was sold as the cure for that crap. Instead it was a huge dose of steroids to the old system and now everyone is on the hook for it, and must pay a fine to pay for those that were forced into the system.

Everyone certainly does have skin in the game...And the government is going to peel it off our collective asses one layer at a time.

Well said!

How did we as a society become so utterly dependent on government that we must have our health care "managed" for us? For literally centuries, health care was strictly between doctor and patient. Nobody could poke their nose into that part of our lives. We believed in this principle so devoutly that we passed laws about it. Now we must waive those laws to insurance companies and government officials sans search warrants in order to receive health care in many medical facilities. Doctors are being warned not to treat uninsured/cash patients in many small ways. Those who won't submit will find themselves out of the profession.
Who is best qualified to "manage" your health care? You or some bean counter at the insurance office or a government agency? Seriously?

originally posted by: gentledissident

Um, didn't they want Romneycare?

Not being argumentative but I really don't know anyone on the right who wanted Romneycare.
I don't think it would have been widely supported by the right.

a reply to: [post=18558298]smit Have you ever heard of the word veto? I agree it's a step in the right direction, but it's not getting repeals as long as there's a Democrat in the office. And once a bunch of uninsured people begin to get free health care, how many votes do you think that both went to the Democratic side? See the real problem yet?

a reply to: peter_kandra

In the small print of the image you shared (thankyou!), it casually mentions that an administration fee may be added to your 2015 premium for the new policy. That fee will add an additional 3% to your premium. The 3% is placed in a fund to bail-out insurers who lose money each year due to the new ObamaCare overheads placed upon them. Oh..by the way, I see that your family maximum out-of-pocket is DECREASING from $15,500 in 2014 to "only" $12,000 in 2015. I'm sure you're thrilled about that, Peter_Kandra..no?
-cwm

originally posted by: gentledissident

Um, didn't they want Romneycare?

Mitt Romney isn't running in 2016. So, hopefully, the republican who is won't be for it now. They know the majority want Obamacare repealed. That will be their campaign.

originally posted by: gentledissident

Why is anyone still falling for the obviously orchestrated distraction of government?

Its necessary. Rules are necessary. Protection from other governments is necessary.

Republicans will fix it just as soon as you know they stop owning medical providers and trading in stock...

not never

originally posted by: georgezip
a reply to: [post=18558298]smit ...snip... And once a bunch of uninsured people begin to get free health care, how many votes do you think that both went to the Democratic side? See the real problem yet?

The "uninsured people" getting the news that they do indeed have health insurance and now they'll have to meet these high deductibles .....they're finding out that they just thought they were getting free health care. Now they are realizing how the whole fustercluck works. They are indeed seeing the problem...as are the docs now trying to collect their fees from a lot of those folks.

originally posted by: jude11
b-b-b-ut...he said if you like your current health plan you can keep it.

Just forgot to mention that it comes with an increase that most can't afford to keep.

Probably just an honest mistake on his part, right?

Peace

Well he did say we could keep it. I don't remember him saying anything about the price not going way up. I could be wrong on this.

It really sucks, I'm one of the few kind of lucky people. The company I work for is able to help pay for medical coverage. But even they're have trouble with it. Our plan options are no were near as nice as they used to be, and the cost of them has gone up.

a reply to: peter_kandra

Makes me glad I live in the UK even with it's problems the NHS here is good value, you have a percentage deducted from your salary and health care is basically free at point of use irrespective of how much the treatment would cost.

I will ask this question is any of the premium due to the simple fact that in the USA when anything goes wrong all people think about is suing for outrageous sums of money

originally posted by: buni11687
a reply to: peter_kandra

Im using Aetna, and also got a letter in the mail a few days ago. Currently, it's just me on the plan.

I was paying $163 a month with the current plan, but now they're raising it to $260 a month.

A 59% increase. Any other industry that raised prices that much would go out of business or would have the government screaming collusion.

I just looked at my claims for the past year, which consist of normal doctor visits, and from October 2013 through this month, Humana has paid out $398.94 in total, while collecting over $6200 in premiums.

originally posted by: carewemust
a reply to: peter_kandra

In the small print of the image you shared (thankyou!), it casually mentions that an administration fee may be added to your 2015 premium for the new policy. That fee will add an additional 3% to your premium. The 3% is placed in a fund to bail-out insurers who lose money each year due to the new ObamaCare overheads placed upon them. Oh..by the way, I see that your family maximum out-of-pocket is DECREASING from $15,500 in 2014 to "only" $12,000 in 2015. I'm sure you're thrilled about that, Peter_Kandra..no?
-cwm

Yes. I am thrilled! I believe that's because the deductible is capped at a certain number of people.
As far as the 3% administrative fee goes, who's going to bail me out? At these costs, I'll probably be forced to find a policy just for my wife and kids.

All the years that I've ever had insurance, I handled it like I believe most other people do. I evaluated the health of everyone in my family and got policies that offered the best benefits for our situation. My wife and I aren't having any more kids, so we don't need maternity benefits. Why would I want to subsidize them?

originally posted by: wmd_2008
a reply to: peter_kandra

Makes me glad I live in the UK even with it's problems the NHS here is good value you, have a percentage deducted from your salary and health care is basically free at point of use irrespective of how much the treatment would cost.

I will ask this question is any of the premium due to the simple fact that in the USA when anything goes wrong all people think about is suing for outrageous sums of money

You may have a point. I personally think that tort reform is long overdue. Interestingly, I just read an article recently that claims that the savings would only be 2 to 3%. I'm not buying that.

Tort Reform

originally posted by: ausername


Actually it is ultimately a socialist wealth redistribution plan. Forcing those who can pay to pay more, in essence forced to pay for those who can't or are on subsidized plans. Insurance companies also must provide coverage to those with preexisting conditions, you have to offset those costs as well.

Unfortunately the middle class will ultimately shoulder the majority of this compulsory burden.

Actually those who obamacare actually help to get insurance can't handle the higher deductibles either so just who is it helping?? We are supposed to be paying for our insurance (which maybe or maybe we won't get any benefit from because the deductibles are insane! then we are helping the less fortunate with their insurance with carry the high decudtible also and well if we are unable to handle the deductible then they more than likely can't either!
So who is it helping??
The insurance companies????

it's only gonna get worse since those companies can charge more and more and know that they will have customers now! The gov't will force us to pay it!

a reply to: peter_kandra

Yep. Staying healthy in the free market economy is expensive.

To solve this, simply fill in the other half of government regulation: regulate prices. i.e. force a reduction of tarifs if there is a high demand for certain types of treatment. Limit the amount of money a doctor can make for his services. Egalize, equalize, standardize. Also, force your health sector to use automation whenever possible and reduce overhead. And don't give people a choice anymore. They will invariably choose the cheapest form of insurance they can get and will demand the highest service available in return. We all need Health Care - so let's face it: we al should pay for it. Simply have ONE insurance for all, and the premium you have to pay is a percentage of your income. So, rich folks will pay more than poor folks, but all will get the same treatment - and it should be of excellent quality. It can be done, there are plenty of examples worldwide.

Maybe this article will help to enlighten you WHY the US of A is such an expensive country to live in with regard to health care.

Some quotes:

In the United States:

There are fewer physicians per person than in most other OECD countries. In 2010, for instance, the U.S. had 2.4 practicing physicians per 1,000 people — well below below the OECD average of 3.1.

The number of hospital beds in the U.S. was 2.6 per 1,000 population in 2009, lower than the OECD average of 3.4 beds.

Life expectancy at birth increased by almost nine years between 1960 and 2010, but that’s less than the increase of over 15 years in Japan and over 11 years on average in OECD countries. The average American now lives 78.7 years in 2010, more than one year below the average of 79.8 years.

The U.S. spent $8,233 on health per person in 2010. Norway, the Netherlands and Switzerland are the next highest spenders, but in the same year, they all spent at least $3,000 less per person. The average spending on health care among the other 33 developed OECD countries was $3,268 per person.

(I'm from The Netherlands BTW)

Spending on almost every area of health care is higher in the United States than in other countries. For example, nearly $900 per person per year goes on administrative costs. This is far higher than in, say, France, which spends $300 per person, but which also has a system in which health care services are reimbursed in a similar way to the U.S.

In part, higher costs are also because the U.S. has been slow to embrace the advantages of information and communications technology in improving the administration of its system and in cutting down on waste. In Sweden, for example, all drug prescribing is done electronically — a message is sent directly from the doctor’s office to the pharmacy. Not only does this cut down on medical errors, it is also thought to save 1-2 hours of work by the pharmacists per day.

In fact, you don't need LESS Government interference - you need more:

A large amount of higher overall hospital spending in the U.S. can be explained by services costing more in U.S. hospitals rather than because U.S. hospitals are delivering more services When we look across a broad range of hospital services (both medical and surgical), the average price in the United States is 85 percent higher than the average in other OECD countries. To put this in perspective, a hospital stay in the United States costs over $18,000 on average. The countries that come closest to spending as much — Canada, the Netherlands, Japan — spend between $4,000 and $6,000 less per stay. Across OECD countries, the average cost of a hospital stay is about one-third that of the U.S., at $6,200

Solution:

many OECD countries use strong regulation to set prices that hospitals can charge for different services, and some of them even set budgets for how much hospitals can spend. The quality of care delivered in hospitals in these countries are comparable to that in the U.S., and universities are still able to attract the best students to medicine.

I am sorry to hear your Obamacare Insurance problems. It is very troubling to see the amounts you are expected to pay.

However, perhaps you need a system like the one in the UK.

Basically, it is almost impossible to see a doctor in the UK when you need one. I gave up several years ago and so did other members of my family. We have a GP system where you ring up and make and appointment and if you're lucky they'll fit you in in two weeks time IF you try again in the morning.....early enough! Otherwise you can have a consultation with a nurse who is ....well, just a nurse. We tried this in our family and she missed a patient dying of heart failiure and a slipped disc. Waste of time she is so we never saw her again.

The lesson is this...........most things get better on their own. If they don't, there'll be someone down your road who has some idea what plant you can pick in the garden or what herb tea you can drink that might help. Seriously, this is the UK.

However, other than income tax, national insurance tax, and tax on everything you buy, our health system is totally tax funded.............if only you could access what you are paying for!

So, perhaps there's nothing to worry about in not having health insurance because we have, in theory, a health service that is free at the point of use.........but it's not possibly to find a point of use that works.

In our family we're all still alive and well without seeing an overpaid drug dealer for years now.

I hope you find that reassuring!

a reply to: peter_kandra

When Obama was asked about this during a rare Q&A he told the person asking he probably wasn't doing a good enough job shopping around for insurance and that's why his rates were skyrocketing.

My employer did something a little different - my costs didn't go up but our plans got switched out for much much less coverage, higher deductibles, and higher copays. I really loved my insurance plan and doctor, but alas I was not able to keep them despite numerous promises.

So I echo your sentiment, thanks Obamacare. For nothing.

originally posted by: smithjustinb

originally posted by: gentledissident

Why is anyone still falling for the obviously orchestrated distraction of government?

Its necessary. Rules are necessary. Protection from other governments is necessary.

I see where you're coming from. Here are some more reasons along those lines.
Compelling Reasons Women Stay