back to *pea*ality
Pearl Clutcher
Not my circus, not my monkeys ~refugee pea #59
Posts: 3,149
Jun 25, 2014 19:51:11 GMT
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Post by back to *pea*ality on Jun 25, 2015 16:31:46 GMT
Our premiums have increased almost $600 per month (and I'm using our 2014 numbers because unlike most people, we've been paying higher premiums AND high deductibles since Jan 2014) In addition, we're paying for all of our doctor's visits out of pocket until our deductible has been met. (last year, we met the deductible in September...YAY!)
I think that many people who are in favor of the ACA haven't been as negatively impacted as our family has been. I suspect when more and more people start having to spend the money on healthcare that our family spends, out of pocket, that more and more people who were previously cheering for ACA will begin to see how it is going to hurt their family.
We've yet to implement the employer mandate. Also remember all of the exclusions Obama issued for unions that support him.
I'm thankful people can now afford to get the care they have needed for so long. But it comes at a cost...and that cost to my family alone is nearly $10,000 annually.
You're welcome.
I'd be curious to know why your deductible is so high - I don't expect you to tell me your personal business, mostly wondering out loud. My brother and SIL are on our State exchanges and have really good insurance and no where near that high of a deductible. I can only imagine the difference is in income disparities?!?! We also have a $5,000 deductible and contribute $10,000 towards our premium. I think this is what individuals face as well as those employed by small companies and family businesses. Not everyone works for a large employer who covers most of their health care costs. I have also also looked at our state exchange to see if we can do better on our own and the answer was that we could not afford health care on our own and we would not qualify for a subsidy.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 16:33:38 GMT
Our premiums have increased almost $600 per month (and I'm using our 2014 numbers because unlike most people, we've been paying higher premiums AND high deductibles since Jan 2014) In addition, we're paying for all of our doctor's visits out of pocket until our deductible has been met. (last year, we met the deductible in September...YAY!)
I think that many people who are in favor of the ACA haven't been as negatively impacted as our family has been. I suspect when more and more people start having to spend the money on healthcare that our family spends, out of pocket, that more and more people who were previously cheering for ACA will begin to see how it is going to hurt their family.
We've yet to implement the employer mandate. Also remember all of the exclusions Obama issued for unions that support him.
I'm thankful people can now afford to get the care they have needed for so long. But it comes at a cost...and that cost to my family alone is nearly $10,000 annually.
You're welcome.
I'd be curious to know why your deductible is so high - I don't expect you to tell me your personal business, mostly wondering out loud. My brother and SIL are on our State exchanges and have really good insurance and no where near that high of a deductible. I can only imagine the difference is in income disparities?!?! All of the plans offered through DH's employer now have high deductibles. I'm pretty sure we have the "best" plan, and IIRC, the only difference between the best plan and 2nd best plan was 90/10 vs. 80/20 split after deductible has been met.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 16:34:51 GMT
Now on to elections to get it overturned then. I doubt it will happen.
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Deleted
Posts: 0
May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 16:36:45 GMT
I also wonder how many people have coverage, but because high premiums and high deductibles are STILL not going to the doctor and getting the medical care they need because they don't have the money. I have put stuff off...in fact I put off a routine visit to my cardiologist last year because I didn't want to spend the money on what I assumed would be a routine, follow up visit.
I finally went in September (after my deductible was met) and learned that I had aFib.
I'm glad I met my deductible in September and finally went to the doctor.
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Loydene
Pearl Clutcher
Posts: 2,639
Location: Albuquerque, New Mexico
Jul 8, 2014 16:31:47 GMT
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Post by Loydene on Jun 25, 2015 16:48:52 GMT
Just curious-how many people can now afford the insurance but not afford to go to the doctor due to high deductibles with many of these policies or can'r find a doctor willing to accept their policy? You hear stories all the time about these issues and just wonder if it's only a few people relating their story or if it as widespread as some would like you to believe. Hi -- this will be anecdotal, but from someone you "know". I am a self-employer lawyer and single mother of one. Through the "downturn" I was able to continue our then health insurance ... at $600.00 per month with very high deductible $10,000. With the costs of health insurance (more than 1/2 of my monthly mortgage), frankly we couldn't afford to routinely go to the doctor -- but fortunately, we are healthy people. With the Affordable Health Care Act our health insurance premiums are $165.00 per month. The deductible isn't as high as we once had. I had no difficulty in finding a doctor that accepted our health insurance. I just had a mammogram - covered by our health insurance and a check up (discovering high blood pressure.) My son had an infected cyst removed and a script. The AHCA has been a blessing for us.
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Post by betty on Jun 25, 2015 16:51:32 GMT
Our deductible went up $6250 this yr. Same plan we've had for yrs. Our monthly premiums rose and just this month we received a letter that starting Aug. 1 they will cover less medical supplies for my son. Adding about another $50 to our monthly costs. Of couse that is on us, not applied to the deductible. And no raises or bonuses at work this year as they want to keep our insurance rates "as low as possible" for 2016.
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Post by lbp on Jun 25, 2015 16:51:56 GMT
Our premiums tripled. I finally found a plan that for this year, is only costing our employees about $10.00 per week more than they were paying. However, the co-pay for Dr. visits when up from $30 to $45 and the out of pocket deductible went from $2000 to $4500 per person. Most of our employees still can't afford to go to the hospital. That's why I finally let Aflac in to sell "hospital deductible" insurance. Yes, it's somewhat expense but it there is no way you could pay the deductible, if certainly helps when you are just paying a little per week.
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Post by elaine on Jun 25, 2015 16:58:37 GMT
Final decision 6 to 3, so not even close! Happy Day. eta: I'm off to a vet appointment with the puppy, be back later. Puppy? I'm sorry...but I think we'll need some pictures, please. Brief shameless diversion... This is Maggie Mae - a Wheaten/Cairn/Cavalier mix - she is the cutest thing ever. Now, back to AHCA. I am hoping that instead of trying to throw a wrench into developing a working national health care plan at every turn - hoping it would be defeated - maybe now both sides can spend the effort to work to tinker and make it work better, since it isn't going away.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 17:06:41 GMT
Elaine...I admit to clicking on that picture to make it even larger...she is so CUTE! I know your family will enjoy her.
In regards to ACA, I too don't think it should be overturned...or even go so far as to say I don't want it overturned. It has helped people that have needed the help and I'm thankful for that.
I just wish it didn't have to happen with such a negative financial impact to me. I don't think it's cool that I'm shelling out an additional $10,000 every year...money I had not shelled out in the past (even with normal premium increases that have been happening forever)
Most middle income, typical American families are not going to be able to find an additional $10,000 per year...so eventually, this dam is going to burst. In addition, what's going to happen when more and more young and healthy people figure out that it's cheaper to pay the tax penalty than to get insurance?
This law was a trainwreck from the beginning. The train is still off the tracks. This law did ABSOLUTELY NOTHING to combat the high cost of healthcare in America. It's simply shifted the high cost and inability to find care that you can afford to the middle class...the same people that had no trouble in the past having insurance and paying their medical bills.
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Post by elaine on Jun 25, 2015 17:18:27 GMT
Elaine...I admit to clicking on that picture to make it even larger...she is so CUTE! I know your family will enjoy her. In regards to ACA, I too don't think it should be overturned...or even go so far as to say I don't want it overturned. It has helped people that have needed the help and I'm thankful for that. I just wish it didn't have to happen with such a negative financial impact to me. I don't think it's cool that I'm shelling out an additional $10,000 every year...money I had not shelled out in the past (even with normal premium increases that have been happening forever) Most middle income, typical American families are not going to be able to find an additional $10,000 per year...so eventually, this dam is going to burst. In addition, what's going to happen when more and more young and healthy people figure out that it's cheaper to pay the tax penalty than to get insurance? This law was a trainwreck from the beginning. The train is still off the tracks. This law did ABSOLUTELY NOTHING to combat the high cost of healthcare in America. It's simply shifted the high cost and inability to find care that you can afford to the middle class...the same people that had no trouble in the past having insurance and paying their medical bills. Everyone should be able to have healthcare in the U.S. It doesn't help if we simply shift those who can't access healthcare from the poor to the middle class. The only ray of hope is that the middle class is more powerful in terms of voting and political power than the poor and children, and will hopefully vote in politicians (or scare those who are already in office) who will insist on changes that don't punish the middle class. Politicians on both sides of the aisle need to get out of The Pharmaceutical Industry's pocket and a serious smack down needs to happen in terms of reigning in their obscene charges and profits.
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MizIndependent
Drama Llama
Quit your bullpoop.
Posts: 5,836
Jun 25, 2014 19:43:16 GMT
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Post by MizIndependent on Jun 25, 2015 17:24:25 GMT
The ACA completely screwed us! Made our insurance rates increase by more than double (to $1000 mo)- with a $7,000 deductible! PER PERSON!
However, DH was employed by the good state of Oregon last year and with that comes some very exceptional insurance. We now pay a little over $200 a month with $250 deductibles. Now THAT, my friends, is affordable health care! So, we're very, VERY grateful.
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Deleted
Posts: 0
May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 17:24:57 GMT
Only thing it did for us was to double our premiums and raise our copay and deductible. We have the cheapest plan we could get (12K deductible). Everything else on our plan stayed exactly the same so there were no extra benefits. If you have a 12K deductible, unless you need open heart surgery for a neonate who has been in the hospital for a couple of months, how does a family even get to 12k in a year to make this helpful? Say you did what I did and broke your arm. You needed 3 sets of x-rays and a CT scan, that still doesn't cost $12,000. To me, anyway, a 12k deductible is something for the rich and famous not your average cattle farmer. $12,000 is a LOT of money in my world!
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Deleted
Posts: 0
May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 17:29:16 GMT
Only thing it did for us was to double our premiums and raise our copay and deductible. We have the cheapest plan we could get (12K deductible). Everything else on our plan stayed exactly the same so there were no extra benefits. If you have a 12K deductible, unless you need open heart surgery for a neonate who has been in the hospital for a couple of months, how does a family even get to 12k in a year to make this helpful? Say you did what I did and broke your arm. You needed 3 sets of x-rays and a CT scan, that still doesn't cost $12,000. To me, anyway, a 12k deductible is something for the rich and famous not your average cattle farmer. $12,000 is a LOT of money in my world! Not that a 12k deductible is right but with insurance you still get the insurance negotiated pricing even before your deductible so it is a lot cheaper than off the street pricing. Also 12k is sadly not that much in our prices here in the U.S. A broken arm could easily hit that. That's where we need to focus. The insane inflated prices.
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Post by foolana on Jun 25, 2015 17:33:03 GMT
Does this mean that for the average family where Obama said premiums would go down by $2,500 year goes into effect? Because my premium went UP by $2,500 so it would be nice if it went down now by $5,000 so my average American middle class family receives what we were promised. Our premiums have increased almost $600 per month (and I'm using our 2014 numbers because unlike most people, we've been paying higher premiums AND high deductibles since Jan 2014) In addition, we're paying for all of our doctor's visits out of pocket until our deductible has been met. (last year, we met the deductible in September...YAY!)
I think that many people who are in favor of the ACA haven't been as negatively impacted as our family has been. I suspect when more and more people start having to spend the money on healthcare that our family spends, out of pocket, that more and more people who were previously cheering for ACA will begin to see how it is going to hurt their family.
We've yet to implement the employer mandate. Also remember all of the exclusions Obama issued for unions that support him.
I'm thankful people can now afford to get the care they have needed for so long. But it comes at a cost...and that cost to my family alone is nearly $10,000 annually.
You're welcome.
I cheer for the fact that my pre-existing condition cannot be held against me and make me uninsurable. No matter how much my premiums may go up, it's still cheaper than having to pay for everything which is exactly what would happen if the ACA didn't exist.
The ACA means the difference between life and death for me.
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Post by gale w on Jun 25, 2015 17:35:35 GMT
Only thing it did for us was to double our premiums and raise our copay and deductible. We have the cheapest plan we could get (12K deductible). Everything else on our plan stayed exactly the same so there were no extra benefits. If you have a 12K deductible, unless you need open heart surgery for a neonate who has been in the hospital for a couple of months, how does a family even get to 12k in a year to make this helpful? Say you did what I did and broke your arm. You needed 3 sets of x-rays and a CT scan, that still doesn't cost $12,000. To me, anyway, a 12k deductible is something for the rich and famous not your average cattle farmer. $12,000 is a LOT of money in my world! We've met our deductible once-it was when we had an 11K deductible and 100% paid after the deductible was met. This was before the ACA and our premiums were about $600 per month (they are over $1100 now). My daughter broke her arm and needed surgery on it. The surgery was actually just under the deductible after the adjustments, but after adding in the ER fees, separate ER doctor fees, the hospital fees, anesthesiologist, etc and the follow up visits and xrays, we were over the deductible. This was in April of that year so we were able to actually "use" the insurance the rest of the year. So now the deductible is 12K and we have to pay 20% after the deductible is met. And our premiums are much higher.
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Post by lucyg on Jun 25, 2015 17:49:37 GMT
Nope Lucy. As with the federal governments involvement in education, healthcare in America is even more screwed than it was previously. Now we have the Supreme Court twisting and turning to make a trainwreck work. "The context and structure of the Act compel us to depart from what would otherwise be the most natural reading of the pertinent statutory phrase," Roberts wrote. So they are completely ignoring what the law actually says, and going with...oh but they meant well, so we'll fix it for them. Maybe the lawyers among us can clarify for me, but I believe the Supreme Court has a history of looking to the intent of Congress, rather than actual wording when it is clearly a mistake. So they weren't doing something terribly out of character here. And is it just me, or is Justice Scalia sounding a little like he's going off the rails lately? It's still early, the government always screws these things up. They have never done anything successfully. It will eventually become an unfunded liability that will force us into the abysmal single payer, and we will forever lose the ability to independently own our own healthcare. I don't know where you get this idea. It seems more ideological than factual. The government does many things successfully, and many things far more successfully than private enterprise would do it, trying to make a profit along the way. It isn't a perfect system ... it never will be, it's run by human beings ... but I think our government as a whole is pretty darn beneficial for our people.
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basketdiva
Pearl Clutcher
Posts: 3,619
Jun 26, 2014 11:45:09 GMT
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Post by basketdiva on Jun 25, 2015 17:52:07 GMT
"Not that a 12k deductible is right but with insurance you still get the insurance negotiated pricing even before your deductible so it is a lot cheaper than off the street pricing"
The downside to getting negotiated prices is, it takes even longer to meet the deductibles.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 17:53:57 GMT
"Not that a 12k deductible is right but with insurance you still get the insurance negotiated pricing even before your deductible so it is a lot cheaper than off the street pricing" The downside to getting negotiated prices is, it takes even longer to meet the deductibles. So you would rather pay full price? I personally wouldn't. But that's me.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 17:55:57 GMT
Because of ACA our premiums have gone up to the point we can't afford to pay for them! We have to, but now we are limited on everything else we pay for. We went down to one car, cut out my cell phone and can barely put food on our table. We make "too much" money for any kind of government assistance, yet we have to go to the food bank once a month to help offset what we can't afford. We have internet because my son's charter school pays for a good portion of it. Because the government looks at what DH makes BEFORE anything is deducted from his paycheck it doesn't account for the extremely high insurance premiums we have and we can't get any assistance. Thankfully DH job is aware of the increase and has helped us in a way. We get an HSA card that they put money onto every pay period. So that helps us get through our deductible period and pays for any other medical expenses we may have, but it doesn't put food on our table.
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Post by jeremysgirl on Jun 25, 2015 17:59:27 GMT
I am not a fan of the vast majority of the ACA. I really feel it was poorly done. But in this case, I agree with lucyg that this particular decision was one of common sense. I think Congress meant for all persons in the US to receive subsidies, if needed, not just those who's states actually set up their own exchange. I do not think this decision was the time or place to debate the merits or drawbacks of the ACA and I don't see this decision as an endorsement of it either. This was just allowing all Americans to have the same privileges under the law regardless of whether or not their own state set up their own exchange. As I said, I am not a fan of this law at all. I do believe it put unfair burdens on the middle class. With that said, I am glad that people with preexisting conditions can get healthcare. That's the one good thing I can recognize has come out of this law. I don't think we'll see it repealed at all, but I am hoping that we can see it tweaked and some of the burden that was put on the middle class can be alleviated. I would really love to see healthcare costs addressed too and think that's where I would have preferred to see legislation focused.
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Post by epeanymous on Jun 25, 2015 18:02:25 GMT
Nope Lucy. As with the federal governments involvement in education, healthcare in America is even more screwed than it was previously. Now we have the Supreme Court twisting and turning to make a trainwreck work. "The context and structure of the Act compel us to depart from what would otherwise be the most natural reading of the pertinent statutory phrase," Roberts wrote. So they are completely ignoring what the law actually says, and going with...oh but they meant well, so we'll fix it for them. Maybe the lawyers among us can clarify for me, but I believe the Supreme Court has a history of looking to the intent of Congress, rather than actual wording when it is clearly a mistake. So they weren't doing something terribly out of character here. And is it just me, or is Justice Scalia sounding a little like he's going off the rails lately? It's still early, the government always screws these things up. They have never done anything successfully. It will eventually become an unfunded liability that will force us into the abysmal single payer, and we will forever lose the ability to independently own our own healthcare. I don't know where you get this idea. It seems more ideological than factual. The government does many things successfully, and many things far more successfully than private enterprise would do it, trying to make a profit along the way. It isn't a perfect system ... it never will be, it's run by human beings ... but I think our government as a whole is pretty darn beneficial for our people. 1. There are many principles of statutory construction. The goal of courts is not supposed to be to find ways to construe statutes as to invalidate them. If you read the majority opinion in full, that is one of the things it reminds you, although with more jargon. 2. I worked for one glorious year for the federal government, best health insurance ever. What I wouldn't give to have that again.
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Post by Regina Phalange on Jun 25, 2015 18:10:09 GMT
Elaine...I admit to clicking on that picture to make it even larger...she is so CUTE! I know your family will enjoy her. In regards to ACA, I too don't think it should be overturned...or even go so far as to say I don't want it overturned. It has helped people that have needed the help and I'm thankful for that. I just wish it didn't have to happen with such a negative financial impact to me. I don't think it's cool that I'm shelling out an additional $10,000 every year...money I had not shelled out in the past (even with normal premium increases that have been happening forever) Most middle income, typical American families are not going to be able to find an additional $10,000 per year...so eventually, this dam is going to burst. In addition, what's going to happen when more and more young and healthy people figure out that it's cheaper to pay the tax penalty than to get insurance? This law was a trainwreck from the beginning. The train is still off the tracks. This law did ABSOLUTELY NOTHING to combat the high cost of healthcare in America. It's simply shifted the high cost and inability to find care that you can afford to the middle class...the same people that had no trouble in the past having insurance and paying their medical bills. Jenny - I agree with you about the money we are shelling out for insurance, but honestly I don't think it has anything to do with the ACA, I think it has to do with the insurance/employer relationship. Those of us that get insurance through an employer are bound by what plans the employer offers. It used to be that insurance was a deductible/co-insurance combination. Back before managed care. Once managed care came around, it offered people the chance to remove the out of pocket deductible stuff, as long as you used "their" network. It has gotten to the point now that insurance companies are changing what they offer back to the deductible co-insurance options - but still needing to be "in a network" (I think, in my opinion, they are looking for every single way to screw people out of their money and them not having to pay, but I digress) Of course, employers are looking for the most reasonable plans. The high deductible plans have very low premiums and are attractive to employers as everyone pays less up front, but only the policyholders pay more in the end. So now the insurance companies are in a win-win situation. People have less and less options because employers aren't willing to shoulder the premium burden of the more comprehensive coverage plans, so we're stuck with crap. Man, I babbled a bit. I hope it made sense. Bottom line, until there is a way to reign in the insurance companies, we can expect more of the same.
P.S. I read an article recently that some insurance companies, that are non-profit, are holding BILLIONS in surplus, some WAY over what is mandated (insurance companies are required to have a rainy day fund -so to speak), and yet are still increasing premiums and denying payouts. This problem is much bigger than the ACA, but the ACA is at least a start.
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Post by Regina Phalange on Jun 25, 2015 18:12:23 GMT
Because of ACA our premiums have gone up to the point we can't afford to pay for them! We have to, but now we are limited on everything else we pay for. We went down to one car, cut out my cell phone and can barely put food on our table. We make "too much" money for any kind of government assistance, yet we have to go to the food bank once a month to help offset what we can't afford. We have internet because my son's charter school pays for a good portion of it. Because the government looks at what DH makes BEFORE anything is deducted from his paycheck it doesn't account for the extremely high insurance premiums we have and we can't get any assistance. Thankfully DH job is aware of the increase and has helped us in a way. We get an HSA card that they put money onto every pay period. So that helps us get through our deductible period and pays for any other medical expenses we may have, but it doesn't put food on our table. But if you get your insurance through your DH's company - how is it the ACA's fault that you don't have adequate insurance? It's his company that decides what insurance plan they are willing to pay for, and it's the insurance companies that decide what kind of plans they are going to offer.
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Post by gale w on Jun 25, 2015 18:18:11 GMT
So far we can pay our premiums, but our overall $$ going out is no higher than before. So that means we are buying less and putting less $$ into the local (and non local in the case of internet orders) economy.
Stores in town are going out of business left and right. People can't afford to buy as much as before (for various reasons). Our mall, which was once full and bustling, now has 3 stores left.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 18:19:34 GMT
So far we can pay our premiums, but our overall $$ going out is no higher than before. So that means we are buying less and putting less $$ into the local (and non local in the case of internet orders) economy. Stores in town are going out of business left and right. People can't afford to buy as much as before (for various reasons). Our mall, which was once full and bustling, now has 3 stores left. And that is all the ACAs fault? Sorry but I think not. Malls in general are a dying breed. Online shopping is taking over.
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Post by gale w on Jun 25, 2015 18:22:37 GMT
No, not all. That's why I said "for various reasons". In our personal family's case, it is the rise in our insurance premiums that have curtailed our spending. So for us, yes, it's due to the ACA.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 18:27:56 GMT
No, not all. That's why I said "for various reasons". In our personal family's case, it is the rise in our insurance premiums that have curtailed our spending. So for us, yes, it's due to the ACA. Sorry missed that part. It's not perfect for sure. But hoping it will continue to address the issues and we will get to where we need to be for us all. Our insurance was riding every year well before the ACA so it just isn't that big of a surprise at all. We finally get postal insurance next month. That will help us a lot. My bills are insane.
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Post by doesitmatter on Jun 25, 2015 18:32:18 GMT
This really makes me very sad and even more afraid of my daughter's urology problems and my own problems with having had 5 surgeries in the past 3 years. We had really great insurance that we paid a fair amount for, but we lost it due to the ACA.
Our premium quote now less coverage for 3 of us (not including all of my children in my house btw- but just for the 3 it's crucial for because I can't afford all of us anymore) is $1800 with a $15,000 family deductible per year and very limited rx coverage. With the ACA marketplace plan its $1600 and I can't remember the exact deduct but it was similar to the above - maybe $13k? and less than half the coverage. Oh and 1 local Doctor accepts this type of coverage and we a rural, it's an 8 week wait for any Dr visit right now. So we are uninsured.
I won't go into personal details, but I will say that I am unemployed and searching all day everyday, we are barely making it and qualify income wise for medical assitance, but due to a techincality that is not income related, have been told that we are "collateral damage" that we are part of a group that won't qualify excecpt for the terrible marketplace plan with huge premiums.
DD's urologist has really tried to provide minimal care and extend Rx's - but he can only do so much without further dx and exploratory procedures. I have a toothache.
So while you all celebrate, I am literally in tears because dd told me she thinks she has another UTI, which generally means more than a UTI with her, so I called and begged the Dr for an rx while I appeal again for insurance coverage.
My mom had lyme and isn't in great health, she was hoping the ACA would bring her more afforabled isnurance becuase hers was 2k+ per month just for her, not including my dad. Nope, her isnrance went up by $650 for less coverage, with a $10k deduct she never had before and only the 1 local doctor she can see now instead of several to choose from.
A friend whose 6 year old is dying of brain cancer, don't get me started on what they lost and how their insurance premuims have tripled and specific meds she needs aren't covered, her specialist isn't covered.
I am sure it has helped several people, but no one I personally know, even those that were in favor of the ACA now regret it.
All of us would glady keep our old insurance with our old premiums, but they are no longer an option.
I would love affordable healthcare for all, but that is not what we got.
So party while other's are losing their health and in some cases their lives. "let them eat cake" right?
The peas love to use the phrase disgusting - well for once I agree, this is disgusting.
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momto4kiddos
Drama Llama
Posts: 5,151
Jun 26, 2014 11:45:15 GMT
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Post by momto4kiddos on Jun 25, 2015 18:34:53 GMT
Another who sees the benefits of the ACA. We're self-employed and pay every penny of our insurance. We saw the premiums skyrocket due to insuring our 23 yo (according to our agent.) Yes now you can extend coverage for your kids up to 26, but we found we'd pay dearly for it.
She was able to get afford healthcare through our states system. We also decided to go through the state system and found we could get similar coverage cheaper than we'd been able to.
As with anything, I think there is good and bad with it for different people. One thing that has driven us crazy is dealing with the state and their payment system, etc. We've spent a lot of time trying to fix things that have gotten mixed up. Hopefully it will continue to improve.
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Deleted
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May 20, 2024 13:12:43 GMT
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Post by Deleted on Jun 25, 2015 18:45:39 GMT
This really makes me very sad and even more afraid of my daughter's urology problems and my own problems with having had 5 surgeries in the past 3 years. We had really great insurance that we paid a fair amount for, but we lost it due to the ACA. Our premium quote now less coverage for 3 of us (not including all of my children in my house btw- but just for the 3 it's crucial for because I can't afford all of us anymore) is $1800 with a $15,000 family deductible per year and very limited rx coverage. With the ACA marketplace plan its $1600 and I can't remember the exact deduct but it was similar to the above - maybe $13k? and less than half the coverage. Oh and 1 local Doctor accepts this type of coverage and we a rural, it's an 8 week wait for any Dr visit right now. So we are uninsured. I won't go into personal details, but I will say that I am unemployed and searching all day everyday, we are barely making it and qualify income wise for medical assitance, but due to a techincality that is not income related, have been told that we are "collateral damage" that we are part of a group that won't qualify excecpt for the terrible marketplace plan with huge premiums. DD's urologist has really tried to provide minimal care and extend Rx's - but he can only do so much without further dx and exploratory procedures. I have a toothache. So while you all celebrate, I am literally in tears because dd told me she thinks she has another UTI, which generally means more than a UTI with her, so I called and begged the Dr for an rx while I appeal again for insurance coverage. My mom had lyme and isn't in great health, she was hoping the ACA would bring her more afforabled isnurance becuase hers was 2k+ per month just for her, not including my dad. Nope, her isnrance went up by $650 for less coverage, with a $10k deduct she never had before and only the 1 local doctor she can see now instead of several to choose from. A friend whose 6 year old is dying of brain cancer, don't get me started on what they lost and how their insurance premuims have tripled and specific meds she needs aren't covered, her specialist isn't covered. I am sure it has helped several people, but no one I personally know, even those that were in favor of the ACA now regret it. All of us would glady keep our old insurance with our old premiums, but they are no longer an option. I would love affordable healthcare for all, but that is not what we got. So party while other's are losing their health and in some cases their lives. "let them eat cake" right? The peas love to use the phrase disgusting - well for once I agree, this is disgusting. So really all you have is catastrophic coverage. Forget the stitches you needed when you sliced your finger open cooking dinner and need to go to the ER as urgent care is closed Sunday night at 6:30 pm. Your cost is $1500 for the ER visit and say $250 for the stitches. I am not going to comment because this will start a war I am sure. I am just saddened when your country as a whole has the most advanced medicine in the world and yet the people can't afford it.
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