Welcome, Guest. Please login or register.

Login with username, password and session length

 
Advanced search

1092460 Posts in 72163 Topics- by 19436 Members - Latest Member: Pablo3A
Jump to:  
Pages: 1 2 3 4 [All]   Go Down
Print
Author Topic: Obamacare explained for musicians  (Read 14163 times)
0 Members and 1 Guest are viewing this topic.
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« on: Oct 17, 2013, 08:59AM »

Here is a low-drama explanation of what to expect and what to do.

The Uninsured Musician’s Guide to The Affordable Care Act

I put this in "Business" because this is ultimately a financial issue and should be a substantial boon to every free-lance working artist/musician/actor/performer/human in the US and all the rest who have "day jobs" that don't provide insurance.

The enrollment deadline is December 15.
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #1 on: Oct 17, 2013, 10:40AM »

The only remaining shoe to drop, I think, is when the states that have declined to expand Medicaid will turn around and get on board.

If you are in a state that will expand Medicaid be sure to look into the eligibility reqs for that as that will be much cheaper than any of the private policies offered in the new "exchanges". Many lower-income working people will qualify for Medicaid coverage.
« Last Edit: Oct 17, 2013, 03:39PM by robcat2075 » Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
SilverBone
Put the Cool in "Coulisse!"

*
Offline Offline

Location: Portland, OR
Joined: Sep 16, 2006
Posts: 3846

View Profile
« Reply #2 on: Oct 17, 2013, 03:52PM »

It's a pretty good overview IMO for non-musicians as well.
Logged

-Howard

The nastiest fellow I've known
Smashed his trombone and ruined its tone.
There's a simple excuse
For his slush pump abuse:
He was born to be bad to the bone.
Eastcheap

*
Offline Offline

Location: Somewhere between Dallas and Tyler
Joined: Apr 9, 2010
Posts: 1569
"It's the only song I know."


View Profile
« Reply #3 on: Oct 17, 2013, 11:51PM »

Quote from: robcat2075
If you are in a state that will expand Medicaid be sure to look into the eligibility reqs for that

One of the more bizarre aspects of how things have worked out is that you can be too poor to qualify for subsidies.  In that case, Medicaid (provided it's available in your state) or full price are the only choices.  At least for now.

Quote
The enrollment deadline is December 15.

March 31 for this enrollment period.  I believe open enrollment will run October-December starting next year.
Logged
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #4 on: Oct 18, 2013, 07:43AM »



March 31 for this enrollment period. 

You're right.  The Dec 15 date is the deadline for people who want their coverage to start ASAP which is January 1.
« Last Edit: Oct 18, 2013, 01:58PM by robcat2075 » Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #5 on: Oct 18, 2013, 02:36PM »

Here is a calculator from the Kaiser Family Foundation that will quickly estimate your premiums and possible subsidies to offset that cost based on your income, location, family size, etc...

http://kff.org/interactive/subsidy-calculator/


I haven't tried going through the entire process at www.healthcare.gov yet but it appears to be up and running.

EDIT: I guess the healthcare.gov problem is that people are having trouble making the actual personal account they need. Well, try later.


Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
Matt K

*
*
Offline Offline

Location:
Joined: May 6, 2010
Posts: 7247

View Profile
« Reply #6 on: Oct 18, 2013, 04:10PM »

Here is a calculator from the Kaiser Family Foundation that will quickly estimate your premiums and possible subsidies to offset that cost based on your income, location, family size, etc...

http://kff.org/interactive/subsidy-calculator/


I haven't tried going through the entire process at www.healthcare.gov yet but it appears to be up and running.

EDIT: I guess the healthcare.gov problem is that people are having trouble making the actual personal account they need. Well, try later.

That and you can't just see the plans without giving away a ton of personal information, even if you just want to see an unsubsidized price.
Logged

What's in a name? that which we call a tenor-bass posaune
By any other name would smell as sweet;
SilverSonic

*
Offline Offline

Location:
Joined: Sep 29, 2006
Posts: 405

View Profile
« Reply #7 on: Oct 19, 2013, 07:19AM »

Here is a calculator from the Kaiser Family Foundation that will quickly estimate your premiums and possible subsidies to offset that cost based on your income, location, family size, etc...

http://kff.org/interactive/subsidy-calculator/


I haven't tried going through the entire process at www.healthcare.gov yet but it appears to be up and running.

EDIT: I guess the healthcare.gov problem is that people are having trouble making the actual personal account they need. Well, try later.




I have two friends that got frustrated with the website and called in- they got much better service via phone.
Logged
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #8 on: Oct 19, 2013, 07:24AM »

I have two friends that got frustrated with the website and called in- they got much better service via phone.
Is there a national number for that or is it a state-by-state thing?
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
JimR

*
Offline Offline

Location: Lake City CO
Joined: Apr 1, 2007
Posts: 564

View Profile
« Reply #9 on: Oct 19, 2013, 09:11AM »

One of the better balanced and informative "non-political" articles I have read.  Thanks.  Now part of my Facebook page!



Cheers

Jim
Logged
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #10 on: Mar 31, 2014, 11:23AM »

If you are an individual or family without health insurance... Today is your last day to get signed up for Obamacare (until enrollment opens again in November). You must get the sign-up process completed today, then pay for it sometime in April for coverage that begins May 1.

The healthcare.gov process is fairly simple and easy to read.  The only daunting part for me was when i was ultimately presented with the various plans that I could choose from.

Give yourself at least an hour to get through it, maybe more if you are enrolling for family members.

There seemed to be quite a bit of price difference among plans that ostensibly had the similar coverage so i went with the cheapest "silver" plan.  If I had gone down to "bronze" i could have gotten it for free after the subsidy I qualify for.

Even without the subsidy, the offerings looked to be a better than what I've encountered in the individual insurance market prior to this.
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #11 on: Apr 01, 2014, 12:31PM »

"Open enrollment" is over until November but if, between now and then, you should be in the unfortunate position of losing your job and the company-provided heath insurance that went with it, there is a safety net provision in Obamacare that allows you to get on board with a new plan that is probably much cheaper than a COBRA situation.

This article explains some of the details...

Obamacare Enrollment Is Far From Over

Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #12 on: Apr 01, 2014, 12:46PM »

1.  Change of job.
2.  Interstate move.
3.  Marriage.
4.  Divorce.
5.  Death of partner.
6.  Student turning 26 and no longer on parents' health plan.
7.  New baby (the baby can be enrolled).

I suspect if your current health care provider from the Exchange decides to cancel your policy (special conditions for this) you can change.

Note that your own death immediately releases you from any requirement of health insurance ;-) :-P
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
Matt K

*
*
Offline Offline

Location:
Joined: May 6, 2010
Posts: 7247

View Profile
« Reply #13 on: Apr 01, 2014, 01:02PM »


Note that your own death immediately releases you from any requirement of health insurance ;-) :-P

Well that isn't so bad!  ;-)
Logged

What's in a name? that which we call a tenor-bass posaune
By any other name would smell as sweet;
SilverBone
Put the Cool in "Coulisse!"

*
Offline Offline

Location: Portland, OR
Joined: Sep 16, 2006
Posts: 3846

View Profile
« Reply #14 on: Apr 01, 2014, 05:50PM »


Note that your own death immediately releases you from any requirement of health insurance ;-) :-P

Also, at most venues it's a valid excuse for missing a gig.
Logged

-Howard

The nastiest fellow I've known
Smashed his trombone and ruined its tone.
There's a simple excuse
For his slush pump abuse:
He was born to be bad to the bone.
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #15 on: Apr 03, 2014, 12:17PM »

Boat-missers... If you had trouble getting your Enrollment done before March 31 you have until April 15 to get it done.

You have to "attest" that the site was a problem for you previously but you don't even have to pinky swear to that. If you so much as glanced at something you thought was the site before March 31 you can still jump in now.


Absolutely Positively Last Chance Obamacare Enrollment Deadline Set


Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #16 on: Apr 03, 2014, 12:50PM »

Boat-missers... If you had trouble getting your Enrollment done before March 31 you have until April 15 to get it done.

You have to "attest" that the site was a problem for you previously but you don't even have to pinky swear to that. If you so much as glanced at something you thought was the site before March 31 you can still jump in now.


Absolutely Positively Last Chance Obamacare Enrollment Deadline Set




Until that deadline passes without enough replies Evil

Reminds me of the old "I'm going to count to three" jokes: one, two, two and a half, two and three quarters, ...
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
Matt K

*
*
Offline Offline

Location:
Joined: May 6, 2010
Posts: 7247

View Profile
« Reply #17 on: Apr 03, 2014, 01:09PM »

Until that deadline passes without enough replies Evil

Reminds me of the old "I'm going to count to three" jokes: one, two, two and a half, two and three quarters, ...

This is the one thing that I haven't understood this entire time.  What exactly does the deadline mean? My understanding was by March 31, the program needed "X" (7 million?) people enrolled in order to have the pool be large enough to be solvent with the amount of subsidies set aside for the program.  Is it more than that? What happens if I were to say, pay the fee instead now and then later... say in August decide that I've changed my mind?
Logged

What's in a name? that which we call a tenor-bass posaune
By any other name would smell as sweet;
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #18 on: Apr 03, 2014, 01:34PM »

Not quite sure what you mean by "pay the fee now".  If you sign up you will have to pay for your health insurance.  If you don't sign up now, you will have to pay a penalty when you file your 2014 Income Tax (i.e. between February and April of 2015).

Once you have signed into a policy, you are stuck with it for the year unless you decide not to pay for it in which case you may be dropped (and then subject to the penalty in 2015).
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #19 on: Apr 03, 2014, 02:00PM »



This is the one thing that I haven't understood this entire time.  What exactly does the deadline mean? My understanding was by March 31, the program needed "X" (7 million?) people enrolled in order to have the pool be large enough to be solvent with the amount of subsidies set aside for the program. 

The 7 million figure was an estimate, for planning purposes, of how many people would sign up in this first year of the program and the "individual mandate".   

The actual solvency of the plan depends on the ratio of sick people to healthy people who are enrolled and paying premiums and not on the total number of people.

The Washington Post, while insisting that the administration HAD said that 7 million were necessary, glides past this bit...

Quote
(To be fair, when Sebelius spoke of 7 million being “a realistic target,” she also made this point: “It’s both about numbers and hopefully getting a balanced risk pool. So a lot of our efforts will be using creative ways to outreach to sort of the young healthy population who is eligible but who may not get up every morning thinking about health insurance.” But the media have tended to emphasize the 7 million figure.)


Technically, there were about 30 uninsured people prior to Obamacare and they should all be getting signed up somewhere, right?, but "7 million" was an estimate of what a new program, about which much misinformation has been spread, would be able to sign up in the first year.






Quote
Is it more than that? What happens if I were to say, pay the fee instead now and then later... say in August decide that I've changed my mind?

If you stop paying your insurance premiums, your insurance coverage will end AND at tax time next year there will be some penalty for not being covered. You're required to have health insurance now, either individual or job-provided.

(If you stopped paying your premiums because you got a job that had insurance, the penalty would not apply.)
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
Matt K

*
*
Offline Offline

Location:
Joined: May 6, 2010
Posts: 7247

View Profile
« Reply #20 on: Apr 03, 2014, 02:05PM »

Oh that's right, I forgot it was a tax and not a monthly fee.  Or penalty... or whatever you want to call it.
Logged

What's in a name? that which we call a tenor-bass posaune
By any other name would smell as sweet;
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #21 on: Sep 06, 2014, 07:27PM »

Health insurance premiums had previously been going up about 10% each year. Now they are actually edging down.


Is Obamacare Making Insurance Cheaper In Your City? New report shows prices falling in some places, but there's a catch


Short version of "the catch"... when open enrollment returns at the end of the year don't just accept an automatic re-enrollment in your current plan. Shop the available plans again for the best terms.


Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #22 on: Oct 25, 2014, 08:42AM »

The dates for Open Enrollment under the Affordable Care Act AKA Obamacare.

Remember to shop around again. There may be a better deal for you than re-upping on your current plan.

Quote
Open Enrollment is the time when you can find a new Marketplace plan, keep your current plan, or see if you can get help paying for coverage. If you want to make sure you’re covered in 2015, mark these 4 dates on your calendar:

November 15, 2014. This is your first day to take action to keep or change your coverage.

December 15, 2014. Enroll by the 15th if you want new coverage that begins on January 1, 2015. If your plan is changing or you want to change plans, enroll by December 15th to avoid a lapse in coverage.

December 31, 2014. The day all 2014 Marketplace coverage ends, no matter when you enrolled. Coverage for 2015 plans can start as soon as January 1st.

February 15, 2015.
The last day you can enroll in 2015 coverage before the end of Open Enrollment.
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #23 on: Dec 13, 2015, 12:58PM »

Open Enrollment for 2016

Reminder for US citizens and residents that Open Enrollment for healthcare marketplace policies, with coverage to begin on Jan 1, ends in a couple days... Dec. 15.

Quote
Important dates for 2016 enrollment

   
    December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
    January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
    January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
    January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.


My insurance company for the past year offered me an automatic re-enrollment with a much higher premium.

I went to the Healthcare.gov site and found a plan with a different company that covers the same things for less cost than what I had this year.
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #24 on: Dec 16, 2016, 09:11AM »

Open Enrollment for 2017

The open enrollment deadline for choosing a policy at Healthcare.gov has been extended from yesterday, Dec 15, to Monday Dec 19.

Quote
Consumers will now have until midnight Monday, Dec. 19, to sign up for coverage that begins Jan. 1 and avoid paying a tax penalty for not having coverage. The marketplaces remain open for weeks beyond that for consumers to continue to shop, but for coverage dates that start later in the year.

The Affordable Care Act has been great for me.  I couldn't get health insurance before, now I can and it is indeed affordable.

I shall be very disappointed to see it go.

Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #25 on: Dec 16, 2016, 09:28AM »

Trump campaigned on "Repeal and Replace".  Unfortunately, it seems a lot of the Republicans only heard the "Repeal". :(
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #26 on: Dec 16, 2016, 01:15PM »

Open Enrollment for 2017

The open enrollment deadline for choosing a policy at Healthcare.gov has been extended from yesterday, Dec 15, to Monday Dec 19.

The Affordable Care Act has been great for me.  I couldn't get health insurance before, now I can and it is indeed affordable.

I shall be very disappointed to see it go.


Who said it's going anywhere?
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #27 on: Dec 16, 2016, 01:17PM »

Trump campaigned on "Repeal and Replace".  Unfortunately, it seems a lot of the Republicans only heard the "Repeal". :(
Who are these Republicans?  Insurance companies are dropping out of the exchanges. It's not sustainable.  The new plan will be much better.
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #28 on: Dec 16, 2016, 01:44PM »

Who are these Republicans?  Insurance companies are dropping out of the exchanges. It's not sustainable.  The new plan will be much better.

Are you on to something I am not/  I haven't heard a peep about a replacement for Obamacare.  Or are you talking about the Health Savings Accounts (which need money to work)?
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #29 on: Dec 16, 2016, 03:13PM »

Are you on to something I am not/  I haven't heard a peep about a replacement for Obamacare.  Or are you talking about the Health Savings Accounts (which need money to work)?
Here's one plan.
https://www.google.com/amp/s/www.washingtonpost.com/amphtml/news/powerpost/wp/2016/06/22/republicans-have-a-plan-to-replace-obamacare-and-its-costs-are-unclear/?client=safari
http://www.npr.org/sections/health-shots/2016/11/21/502612264/if-republicans-repeal-obamacare-ryan-has-replacement-blueprint
And Dems want changes too.
http://www.politico.com/story/2016/12/democrats-open-to-replacing-obamacare-232589
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #30 on: Dec 16, 2016, 05:03PM »

Insurance companies are dropping out of the exchanges. It's not sustainable. 

There are at least two reasons I believe the insurance companies are disingenuous on this.

-Several of them only announced withdrawals after the Justice department moved to block competition-eliminating mergers they wanted. This pure revenge to try to wreck the ACA.

-Some insurance companies are claiming they have to withdraw because of losses but they are actually still highly profitable. They are trying to make the ACA appear unworkable even while other insurers do just fine in it.

I looked up earnings info for Aetna, one of the big withdrawers.  Booming profits every year of Obamacare with projections for continued growth.

They want to go back to the good old days when they could collect your premiums for years and then drop you once you got an expensive illness. Of course that would be more profitable... but that's not what we need health insurance for.


Here's another analysis...

Cry me a river, Aetna.

Quote
Retreating carriers whine that exchanges bruised their bottom lines; meanwhile, their profits are off the charts, thanks to ... Obamacare.





 


Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #31 on: Dec 16, 2016, 05:34PM »

There are at least two reasons I believe the insurance companies are disingenuous on this.

-Several of them only announced withdrawals after the Justice department moved to block competition-eliminating mergers they wanted. This pure revenge to try to wreck the ACA.

-Some insurance companies are claiming they have to withdraw because of losses but they are actually still highly profitable. They are trying to make the ACA appear unworkable even while other insurers do just fine in it.

I looked up earnings info for Aetna, one of the big withdrawers.  Booming profits every year of Obamacare with projections for continued growth.

They want to go back to the good old days when they could collect your premiums for years and then drop you once you got an expensive illness. Of course that would be more profitable... but that's not what we need health insurance for.


Here's another analysis...

Cry me a river, Aetna.





 



Actuaries look into the future.  Not just the present.  Yes, they may be profitable now but what about to the future?
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #32 on: Dec 18, 2016, 10:26PM »

Here in Texas, some companies pulled out but mine (Molina) and several otheres stayed and my rate went up only about $20/month this year over last year.

How is that their "actuaries" say can make money at it and other's can't?  Maybe it's not Obamacare.  Maybe some of those other companies are just damn wasteful and inefficient. Or crooked?

Why do we presume that it's Obama's fault that some companies do badly? Maybe they are just lousy at the insurance business?

Now that they have to actually do the thing they claim to do and can't just take your money... It turns out some of either weren't very good at it or just don't want to be.


Are any of these companies really getting their money's worth out of compensation like this? Is your healthcare any better because they do? 








One thing is certain. After Obamacare is ruined, those guys salaries will go up. That's why they are rooting for repeal.

Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
harrison.t.reed
*
Offline Offline

Location: Colorado
Joined: Apr 5, 2007
Posts: 2835
"Spartan Brass Band!"


View Profile
« Reply #33 on: Dec 19, 2016, 07:24AM »

"Health insurance premiums had previously been going up about 10% each year. Now they are actually edging down."

Hmmm...
Logged

"My technique is as good as Initial D"
T-396A - Griego 1C
88HTCL - Griego 1C
36H - DE XT105, C+, D Alto Shank
3B/F Silversonic - Griego 1A ss
pBone (with Yellow bell for bright tone)
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #34 on: Dec 19, 2016, 09:05AM »

Here in Texas, some companies pulled out but mine (Molina) and several otheres stayed and my rate went up only about $20/month this year over last year.

How is that their "actuaries" say can make money at it and other's can't?  Maybe it's not Obamacare.  Maybe some of those other companies are just damn wasteful and inefficient. Or crooked?

Why do we presume that it's Obama's fault that some companies do badly? Maybe they are just lousy at the insurance business?

Now that they have to actually do the thing they claim to do and can't just take your money... It turns out some of either weren't very good at it or just don't want to be.


Are any of these companies really getting their money's worth out of compensation like this? Is your healthcare any better because they do? 








One thing is certain. After Obamacare is ruined, those guys salaries will go up. That's why they are rooting for repeal.


Joseph Molina compensation for 2015 10.3 million.  It doesn't matter what the CEO makes. I don't care what they make.  Good for them.
Molina is in now but what about the future? You could have been in any number of the companies that pulled out and said the same thing before they left.

You realize that obama already "ruined" health insurance for millions. So what is ruined for you may be great for others and vice versa. My deductible went to $10,000  a year. So obamacare sucks for me.
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #35 on: Dec 19, 2016, 09:15AM »

Obamacare is based on a Republican program for Massachusetts (Romneycare).  He chose this over single payer because he thought the Republicans would support something of their own devising.  He was wrong -- the hatred of that "Uppity N*****" exceeded his offer to nearly capitulate.

Note that if he was able to get single payer, your deductible would probably be something like Medicare: around $500 per year.
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #36 on: Dec 19, 2016, 09:30AM »

Obamacare is based on a Republican program for Massachusetts (Romneycare).  He chose this over single payer because he thought the Republicans would support something of their own devising.  He was wrong -- the hatred of that "Uppity N*****" exceeded his offer to nearly capitulate.

Note that if he was able to get single payer, your deductible would probably be something like Medicare: around $500 per year.
There's no "hatred for the uppity N*****". You have quite a guilt complex about that Bruce. You've posted that statement quite a bit.
Who cares who's plan it is.  It's a crummy plan and only good in a couple of respects which Trump and Ryan said they'd keep.
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #37 on: Dec 19, 2016, 09:35AM »

Dunno how crummy it is.  It works pretty well in Massachusetts.

Also, while I don't think you or Dusty have it in for Obama because of his race, I think there are a lot out there who do.  Just like there are a lot out there who are convinced that Hillary Clinton will mess things up simply because she's a woman.
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
ddickerson

*
Offline Offline

Location:
Joined: Feb 21, 2009
Posts: 9815

View Profile
« Reply #38 on: Dec 19, 2016, 09:47AM »

Obamacare is based on a Republican program for Massachusetts (Romneycare).  He chose this over single payer because he thought the Republicans would support something of their own devising.  He was wrong -- the hatred of that "Uppity N*****" exceeded his offer to nearly capitulate.

Note that if he was able to get single payer, your deductible would probably be something like Medicare: around $500 per year.

Actually, the base of the republican party and the tea party cautioned against having Mitt as the nominee because he was the author of his states healthcare, and he would not be able to argue against the implementation of Obamacare.

The base stayed home, and Mitt lost.

Please get over this myth that you guys keep trotting out by Obama's race, and Hillary's gender, and when you nominate an Hispanic, you'll float that out too. It really makes you guys look childish and laughable.

Get better policies and you'll get better results. Of course, since we're a two party political system, it will always be about the communists and the capitalists.

Logged

Energy City Horizons Symphonic Band
Energy City Big Band
Energy City Dixieland Band
River Pointe Church Praise and Worship Band
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #39 on: Dec 19, 2016, 10:25AM »

I wouldn't say anything about Hispanics.  You folks nearly nominated Marco Rubio and Ted Cruz.  Plus you had another nominee who was married to a Hispanic (and speaks fluent Spanish).

Instead you elected a guy who ridicules them.

Dusty, you and I were both growing up before the Equal Rights act.  We both had family who were prejudiced.  Just because a law was passed saying it's not nice any more doesn't change the fact that some people still are prejudiced.
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
snorsworthy

*
*
*
Offline Offline

Location: San Diego
Joined: Sep 8, 2009
Posts: 270

View Profile WWW
« Reply #40 on: Dec 19, 2016, 10:47AM »

"If you have your plan, you can keep it!" (Obama's promise, repeated over and over again)

Obama was privately informed prior to that statement that it would only apply if you had your plan prior to 2010, but he did not say that.

"Let's pass the plan so we can see what's inside the plan." (Nancy Pelosi)

Passed without one Republican vote. So much for Obama's compromises and lack of leadership.

He promised lower premiums.

My plan, which I had prior to 2010, well, I was able to keep it. But the plan went up 200% higher over the next few years. I checked to see if I could get a lower premium on an ObamaCare-qualified plan, and it would have been 100% even higher than the 200% increase I was getting on the non-Obama-care plan and for less total coverage!

Logged

Professional Engineer
Professional Trombonist
snorsworthy.com
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #41 on: Dec 19, 2016, 10:54AM »

I don't really have an answer for your comment.  Obamacare was intended to be a way for people who didn't have health insurance through an employer to get health insurance.

One thing I kept hearing during my time as an employee was that health insurance premiums were increasing faster than any other cost.  This probably would be the same time as your stint at Motorola.  The health care expense problem long predated Obmamcare.
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #42 on: Dec 19, 2016, 10:58AM »

I wouldn't say anything about Hispanics.  You folks nearly nominated Marco Rubio and Ted Cruz.  Plus you had another nominee who was married to a Hispanic (and speaks fluent Spanish).

Instead you elected a guy who ridicules them.

Dusty, you and I were both growing up before the Equal Rights act.  We both had family who were prejudiced.  Just because a law was passed saying it's not nice any more doesn't change the fact that some people still are prejudiced.
How about a black supreme court justice? Just for starters.
Condeleeza Rice, Conservativeblackchick.com, Mia Love,Dr Ben Carlson, Sheriff David Clarke,....
The anti black nutjobs are a small minority.
The left has racists just like the right Al Sharpton, the black panthers, many people in black lives matter. ...
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
timothy42b
*
Offline Offline

Location: Colonial Heights, Virginia, US
Joined: Dec 7, 2000
Posts: 12462

View Profile
« Reply #43 on: Dec 19, 2016, 11:13AM »

"If you have your plan, you can keep it!" (Obama's promise, repeated over and over again)

Obama was privately informed prior to that statement that it would only apply if you had your plan prior to 2010, but he did not say that.

What should have been explained is if you have a plan that meets all the legalities (preexisting conditions, etc.) then you can keep it.

Most states regulated their insurance agencies and so most plans did meet the new requirements.  Some states let insurance agencies do anything they wanted to maximize profits and those agencies did not meet requirements. 
Logged

Tim Richardson
ddickerson

*
Offline Offline

Location:
Joined: Feb 21, 2009
Posts: 9815

View Profile
« Reply #44 on: Dec 19, 2016, 12:01PM »

Actually, leading up to the implementation of Obama care, my health insurance thru my employer was good and not near as expensive as it is now. This so called crisis was just that. It was a manufactured crisis for the democrats to create a one player, gov controlled healthcare provision. They didn't get the one payer, but they planned on going there next after the latest failures.

Then Trump.
Logged

Energy City Horizons Symphonic Band
Energy City Big Band
Energy City Dixieland Band
River Pointe Church Praise and Worship Band
tsmart

*
Offline Offline

Location: Lenoir, NC
Joined: Apr 9, 2009
Posts: 3984
"M R ducks. M R not ducks. O S A R !"


View Profile
« Reply #45 on: Dec 19, 2016, 12:06PM »

"If you have your plan, you can keep it!" (Obama's promise, repeated over and over again)

Obama was privately informed prior to that statement that it would only apply if you had your plan prior to 2010, but he did not say that.

"Let's pass the plan so we can see what's inside the plan." (Nancy Pelosi)

Passed without one Republican vote. So much for Obama's compromises and lack of leadership.

He promised lower premiums.

My plan, which I had prior to 2010, well, I was able to keep it. But the plan went up 200% higher over the next few years. I checked to see if I could get a lower premium on an ObamaCare-qualified plan, and it would have been 100% even higher than the 200% increase I was getting on the non-Obama-care plan and for less total coverage!


I feel your pain.

My wife and I covered each other (double insurance). But thanks to Obama Care - no longer.
I have less coverage now.
My premiums JUMPED (they go up every year a minimal amount, but have jumped drastically since Obama Care).
I lost my plan, and had to settle for less.
I lost some Doctors, as they left this new plan.
I have higher deductibles.
I have higher Co-pays.
I have higher prescriptions.

Everything went up, even with loosing coverage, and with less family covered.

Obama is a liar, but then again - so are most politicians.

T.
Logged

the fellowship  of  the slide

Μολὼν λάβε
timothy42b
*
Offline Offline

Location: Colonial Heights, Virginia, US
Joined: Dec 7, 2000
Posts: 12462

View Profile
« Reply #46 on: Dec 19, 2016, 12:18PM »


My premiums JUMPED (they go up every year a minimal amount, but have jumped drastically since Obama Care).
I lost my plan, and had to settle for less.

That does make sense. 

You lost your plan, because it didn't cover everything that was required. 

Your new plan cost more, because it covered more things. 

For you it is lose lose, because you were happy with what you were getting, even though it didn't meet the new standards.  For a larger group it was a win. 
Logged

Tim Richardson
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #47 on: Dec 19, 2016, 02:12PM »

That does make sense. 

You lost your plan, because it didn't cover everything that was required. 

Your new plan cost more, because it covered more things. 

For you it is lose lose, because you were happy with what you were getting, even though it didn't meet the new standards.  For a larger group it was a win. 
Sounds like Karl Marx. :-P
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #48 on: Dec 19, 2016, 02:17PM »

Actually, leading up to the implementation of Obama care, my health insurance thru my employer was good and not near as expensive as it is now. This so called crisis was just that. It was a manufactured crisis for the democrats to create a one player, gov controlled healthcare provision. They didn't get the one payer, but they planned on going there next after the latest failures.

Then Trump.


You had employer provided health insurance.  How about the folks who either were self-employed, worked for very small companies, or worked for a Cheapskate like Wal-Mart?

Obamacare was not intended to replace employer provided health care.  In fact, there were parts of the law that imposed severe penalties on employers who removed healthcare insurance in favor of Obamacare.

Now a single payer or Government provided health care is a different animal...
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
mbarbier
*
*
Offline Offline

Location: Los Angeles, Ca
Joined: Jul 25, 2010
Posts: 177

View Profile WWW
« Reply #49 on: Dec 19, 2016, 03:35PM »

maybe time to move this thread to the PP section?
Logged
ddickerson

*
Offline Offline

Location:
Joined: Feb 21, 2009
Posts: 9815

View Profile
« Reply #50 on: Dec 19, 2016, 04:53PM »

You had employer provided health insurance.  How about the folks who either were self-employed, worked for very small companies, or worked for a Cheapskate like Wal-Mart?

Obamacare was not intended to replace employer provided health care.  In fact, there were parts of the law that imposed severe penalties on employers who removed healthcare insurance in favor of Obamacare.

Now a single payer or Government provided health care is a different animal...

You know, when we first started out working, health care insurance was offered to employees as an added bonus or incentive to allure better employees. Somewhere in time, people (liberals) decided that employers owed it to their employees, and it wasn't really a benefit anymore, but a government demanded entitlement.

You now see where that line of thinking has got us.
Logged

Energy City Horizons Symphonic Band
Energy City Big Band
Energy City Dixieland Band
River Pointe Church Praise and Worship Band
timothy42b
*
Offline Offline

Location: Colonial Heights, Virginia, US
Joined: Dec 7, 2000
Posts: 12462

View Profile
« Reply #51 on: Dec 19, 2016, 05:00PM »

You know, when we first started out working, health care insurance was offered to employees as an added bonus or incentive to allure better employees. Somewhere in time, people (liberals) decided that employers owed it to their employees, and it wasn't really a benefit anymore, but a government demanded entitlement.


Nah.  You're not as old as we are.  We had health insurance because our unions fought for it.  Of course medical care wasn't as expensive then, that changed with an aging population, technology, etc. 

When capital succeeded in breaking the unions, health insurance started going down the tubes. 
Logged

Tim Richardson
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #52 on: Dec 19, 2016, 05:07PM »

And when Unions were fighting for health care, it was more important because industrial safety was nonexistent.  Workers lost hands in machinery, or lungs to dust.
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
hassein
*
Offline Offline

Location:
Joined: Apr 1, 2012
Posts: 283

View Profile WWW
« Reply #53 on: Dec 19, 2016, 05:19PM »

Maybe you won't like this, but sleep on it. US government buys all insurance companies at their current stock price. Fire the CEO"S(They're such geniuses,they will fine employment elsewhere)Keep all employees on to keep things running. Regulate prices(like Medicare)What could be worse?
Logged
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #54 on: Dec 19, 2016, 05:28PM »

Maybe you won't like this, but sleep on it. US government buys all insurance companies at their current stock price. Fire the CEO"S(They're such geniuses,they will fine employment elsewhere)Keep all employees on to keep things running. Regulate prices(like Medicare)What could be worse?

This is total anathema to the Conservatives, who feel that free market is the solution to everything and that it's impossible for Government to do anything right.  And right now they control the both Houses of Congress and the Executive Branch.

After all, look at the lousy job Government did with managing Medicare and Medicaid.  Nobody gets good coverage from either of them, right? Evil
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
ddickerson

*
Offline Offline

Location:
Joined: Feb 21, 2009
Posts: 9815

View Profile
« Reply #55 on: Dec 19, 2016, 05:55PM »

The gov runs the VA. What could possibly go wrong with the gov running everybody's healthcare?
Logged

Energy City Horizons Symphonic Band
Energy City Big Band
Energy City Dixieland Band
River Pointe Church Praise and Worship Band
Euphanasia

*
Offline Offline

Location: Moses Lake, WA
Joined: Jan 20, 2005
Posts: 5918

View Profile
« Reply #56 on: Dec 19, 2016, 06:49PM »

This kind of nonsense is why I blocked Chit Chat. It has nothing to do with trombones. It shouldn't be part of "The Business of Music."
Logged
Piano man
*
Offline Offline

Location:
Joined: Feb 10, 2006
Posts: 10036

View Profile
« Reply #57 on: Dec 19, 2016, 06:58PM »

You know, when we first started out working, health care insurance was offered to employees as an added bonus or incentive to allure better employees. Somewhere in time, people (liberals) decided that employers owed it to their employees, and it wasn't really a benefit anymore, but a government demanded entitlement.

You now see where that line of thinking has got us.

Actually, employer-based health insurance was an accident of history. Because of WWII wage controls (intended to combat wartime inflation), employers competed for employees during a labor shortage, but couldn't offer them higher wages. Benefits were exempt, so we ended up with employer-based health insurance. It worked okay for a while, but not very much lately.

As a logical proposition, employer-based health insurance doesn't make much sense, because one's need for health care has nothing to do with employment.
Logged

"What gets us into trouble is not what we don't know, it's what we know for sure that just ain't so." --Mark Twain
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #58 on: Dec 19, 2016, 10:19PM »

Actually, employer-based health insurance was an accident of history. Because of WWII wage controls (intended to combat wartime inflation), employers competed for employees during a labor shortage, but couldn't offer them higher wages. Benefits were exempt, so we ended up with employer-based health insurance. It worked okay for a while, but not very much lately.

As a logical proposition, employer-based health insurance doesn't make much sense, because one's need for health care has nothing to do with employment.
Employer based health care made perfect sense as you were trying to attract employees with better benefits than the company down the street. Worked great until Obamacare kicked in.
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #59 on: Dec 19, 2016, 10:21PM »

This kind of nonsense is why I blocked Chit Chat. It has nothing to do with trombones. It shouldn't be part of "The Business of Music."
What "kind of nonsense"?  The OP brought up the topic of health care as a trombone professional. 
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
growlerbox
Just a clown with an axe

*
Offline Offline

Location: Wellington, New Zealand
Joined: Feb 1, 2012
Posts: 1018

View Profile
« Reply #60 on: Dec 19, 2016, 10:30PM »

This kind of nonsense is why I blocked Chit Chat. It has nothing to do with trombones. It shouldn't be part of "The Business of Music."

Seconded.  It's become an opportunity for the denizens of the "No PP" group to get their "PP" rocks off.
Logged

If it's not worth doing, it's not worth doing well.
Exzaclee

*
Offline Offline

Location: Edmond, OK
Joined: Mar 8, 2008
Posts: 6588
"Check out my new website!"


View Profile
« Reply #61 on: Dec 20, 2016, 12:48AM »

For starters, if your job "offers" health care, but charges you $500/person or more for the privilege, you're being screwed, and that is not the fault of the ACA. Take that up with your employer.

Before the ACA, the lowest plan I could find was a $275/mo plan with a 7500 deductible.

I'm a professional musician and a teacher. A $7500 might as well be $75,000. $275 a month would've compromised my standard of living in a way that people who've never had to worry about money will never understand. Unlike most of my peers who had a day job, my jobs generally don't offer much in the way of benefits (kids who want to be musicians, think about that next time you're on the internet stealing music.)

Since the ACA, I can get a really cheap plan for about $75 - has a high deductible (6500) but at $75 I can at least afford to pay it and not sacrifice my standard of living too much. I recently found one with a $500 deductible that's just a little more per month, and I might need it because there may be some surgery for me on the horizon.

I don't get workman's comp. I don't get benefits. I'm very likely going to need a procedure this year. With this plan, that procedure won't bankrupt me and put me in the poor house, and if things turn out bad at least my family won't be left with a ton of medical bills.

If I lose this, I could very likely be facing serious financial issues along with medical issues that without resolution could be debilitating or fatal (and are already affecting my career.) Without the ACA, people like me are screwed.

This definitely belongs in the Healthy trombonist. It is topical and relevant If you dislike the politics of the bill, discuss that in PP  - or just shut the hell up.
Logged

Music is my mistress, and she plays second fiddle to no one!
www.zacleemusic.com
Piano man
*
Offline Offline

Location:
Joined: Feb 10, 2006
Posts: 10036

View Profile
« Reply #62 on: Dec 20, 2016, 12:03PM »

Employer based health care made perfect sense as you were trying to attract employees with better benefits than the company down the street. Worked great until Obamacare kicked in.

Actually, the percentage of people with employee-based health care was dropping long before that due to the decline of unions. Health coverage peaked in the 1980s, as a matter of fact. That was the problem that Romneycare and Obamacare were trying to solve.

As you say, it made some sense to have a 'market-based' incentive for offering health care to attract employees when the employees were in a better bargaining position. When it turned into a buyers' market for labor and a sellers' market for jobs, the incentive to offer the insurance withered away. That's simple market economics, and it didn't happen recently.
Logged

"What gets us into trouble is not what we don't know, it's what we know for sure that just ain't so." --Mark Twain
Piano man
*
Offline Offline

Location:
Joined: Feb 10, 2006
Posts: 10036

View Profile
« Reply #63 on: Dec 20, 2016, 12:11PM »

One of the more bizarre aspects of how things have worked out is that you can be too poor to qualify for subsidies.  In that case, Medicaid (provided it's available in your state) or full price are the only choices.  At least for now.

Medicaid isn't bad. I have a couple of friends who qualify for it and it's zero out of pocket. My premiums are through the roof and I still have to substantially pay for my care out of pocket.
Logged

"What gets us into trouble is not what we don't know, it's what we know for sure that just ain't so." --Mark Twain
tsmart

*
Offline Offline

Location: Lenoir, NC
Joined: Apr 9, 2009
Posts: 3984
"M R ducks. M R not ducks. O S A R !"


View Profile
« Reply #64 on: Dec 20, 2016, 12:23PM »

That does make sense. 

You lost your plan, because it didn't cover everything that was required. 

Your new plan cost more, because it covered more things. 

For you it is lose lose, because you were happy with what you were getting, even though it didn't meet the new standards.  For a larger group it was a win. 
It covered everything that was required for my wife and I.

Now, it covers nothing MORE (no extra coverage, as you seem to think), and it actually covers LESS.

T.
Logged

the fellowship  of  the slide

Μολὼν λάβε
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #65 on: Dec 20, 2016, 01:50PM »

Medicaid isn't bad. I have a couple of friends who qualify for it and it's zero out of pocket. My premiums are through the roof and I still have to substantially pay for my care out of pocket.
Medicaid is terrible for providers.  That's why the provider list is so short.  Not just low reimbursements. Mountains of paperwork. Payments are delayed. Payments can be denied even after the procedure is approved and completed.
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
Piano man
*
Offline Offline

Location:
Joined: Feb 10, 2006
Posts: 10036

View Profile
« Reply #66 on: Dec 20, 2016, 01:53PM »

It covered everything that was required for my wife and I.

Now, it covers nothing MORE (no extra coverage, as you seem to think), and it actually covers LESS.

T.

I think the fair analysis is that it covers things you don't necessarily want, like mental health, addiction, and reproductive services. The big benefit for anyone who has assets is that there's no longer a lifetime cap, which is a huge benefit. Some of those affordable plans of yore could have been brought into compliance with the new laws but they didn't want to offer low rates without the lifetime cap. It looked like better insurance than it was, until you got really sick.

My suggestion is that if you have significant income, you're better off with less day-to-day coverage without a lifetime cap, because it's better asset protection. At one time, most medical bankruptcies were sustained by people who had medical insurance.
Logged

"What gets us into trouble is not what we don't know, it's what we know for sure that just ain't so." --Mark Twain
Piano man
*
Offline Offline

Location:
Joined: Feb 10, 2006
Posts: 10036

View Profile
« Reply #67 on: Dec 20, 2016, 01:54PM »

Medicaid is terrible for providers.  That's why the provider list is so short.  Not just low reimbursements. Mountains of paperwork. Payments are delayed. Payments can be denied even after the procedure is approved and completed.

I'm guessing most of the people hoping to qualify for Medicaid aren't providers. It's been a great deal for the people I know who are on it. Literally a lifesaver in at least one case.
Logged

"What gets us into trouble is not what we don't know, it's what we know for sure that just ain't so." --Mark Twain
ronkny

*
*
Offline Offline

Location: wa
Joined: Sep 30, 2007
Posts: 11378

View Profile
« Reply #68 on: Dec 20, 2016, 02:25PM »

I'm guessing most of the people hoping to qualify for Medicaid aren't providers. It's been a great deal for the people I know who are on it. Literally a lifesaver in at least one case.

Funny. 
People/patients have a hard time finding providers to treat them because not many providers want to participate.   
I thought that was obvious in my post.
Almost half of the 62 providers in my area are pediatricians.
Bottom line.  It's not a solution. It works for some patients and new docs just out of residency. But if a doc only saw medicaid patients he/she would be practicing out of a shack with minimum wage employees and nothing more than a stethoscope and a few tongue blades.
Logged

Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other.
Ronald Reagan
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #69 on: Jan 24, 2017, 01:28PM »

What I suspected all along... the insurance companies that "pulled out" of Obamacare were lying about why they did it.

It wasn't for business reasons, it wasn't because they were losing gobs of money on Obamacare policies. It was to make Obamacare look "unsustainable" and get revenge on the Administration...


U.S. judge finds that Aetna deceived the public about its reasons for quitting Obamacare


Quote
Aetna claimed this summer that it was pulling out of all but four of the 15 states where it was providing Obamacare individual insurance because of a business decision — it was simply losing too much money on the Obamacare exchanges.

Now a federal judge has ruled that that was a rank falsehood. In fact, says Judge John D. Bates, Aetna made its decision at least partially in response to a federal antitrust lawsuit blocking its proposed $37-billion merger with Humana. Aetna threatened federal officials with the pullout before the lawsuit was filed, and followed through on its threat once it was filed. Bates made the observations in the course of a ruling he issued Monday blocking the merger.


Quote
...Aetna pulled out of some states and counties that were actually profitable to make a point in its lawsuit defense — and then misled the public about its motivations. [Judge] Bates’ analysis relies in part on a “smoking gun” letter to the Justice Department in which Chief Executive Mark Bertolini explicitly ties Aetna’s participation in Obamacare to the DOJ’s actions on the merger, which we reported in August.



Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
BGuttman
Mad Chemist

*
*
Offline Offline

Location: Londonderry, NH, USA
Joined: Dec 12, 2000
Posts: 51533
"Almost Professional"


View Profile
« Reply #70 on: Jan 24, 2017, 01:59PM »

You know what the replacement is:

Get sick -> no money -> die

The Republicans want to replace ObamaCare with what we had before Obamacare.
Logged

Bruce Guttman
Solo Trombone, Hollis Town Band
Merrimack Valley Philharmonic Orch. President 2017-2018
Matt K

*
*
Offline Offline

Location:
Joined: May 6, 2010
Posts: 7247

View Profile
« Reply #71 on: Jan 24, 2017, 02:36PM »

The Aetna suit is much more complicated than your quotes would indicate. Insurance companies actually don't typically make money off of claims. Most take losses in the billions on claims each year, part of which is underwritten. The rest is offset by investment activity. So they may bring in X amount of dollars in gross revenue from claims which then immediately invest. After pooling the money, they can get a return of a few % off of it, which is where the money comes from to pay the claims from.  The problem is that its obviously hard to predict that ROR since more risk means more losses but lower risk means a lower overall number.  So even though the company may have made a profit, that doesn't mean it wasn't a business reason to pull out as it was a good investment year. Smaller amounts of revenue would mean less money to invest which would in turn mean a projection that indicated that in the future the claims couldn't have been met in that state. Obviously the judge disagreed - but it isn't particularly surprising that a merger with another company would have perhaps allowed them to pool more money to get a sufficiently high rate of return with which to pay claims.  I'm not sure with what grounds the author can label that as a 'rank falsehood' when a merger has a huge influence on whether or not an insurance company is solvent.
Logged

What's in a name? that which we call a tenor-bass posaune
By any other name would smell as sweet;
Piano man
*
Offline Offline

Location:
Joined: Feb 10, 2006
Posts: 10036

View Profile
« Reply #72 on: Jan 24, 2017, 08:34PM »

I've always had the impression that insurance companies more or less break even on the core business and make their profit on the free use of the money.

For years, I've had an amazing rate on liability insurance. When other companies came in, they'd look at it and not even try to bid. The reason was that the company that insured me was young and hungry and wanted the business, and because revenues on capital were good. So they were willing to treat my restaurant/bar more like a traditional dinnerhouse to get access to the capital. Once they grew a little bit, and after the relatively safe places to park money stopped paying so well, their incentive went away and I'm back at market rates. In other words, they had to try to make money from the actual premiums.

Cheap money is good for some parts of the economy and bad for others, obviously. I suspect that something similar is happening in health insurance, along with all the other problems. Premiums are raised to overcome shortfalls from investment revenues. As interest rates rise (and they will, unless someone screws up the economy) that could help health insurance rates, at least in theory.
Logged

"What gets us into trouble is not what we don't know, it's what we know for sure that just ain't so." --Mark Twain
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #73 on: Nov 05, 2017, 03:23PM »

Some explanations for what you will need to do differently this year during open enrollment...

Under Trump, Obamacare Shopping Is Even More Confusing. We’re Here To Help.
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
robcat2075

*
Offline Offline

Location: Dallas, Texas
Joined: Apr 19, 2009
Posts: 6646

View Profile
« Reply #74 on: Dec 14, 2017, 10:51PM »

Reminder, Dec 15 is last day for "Open Enrollment" at HealthCare.gov

As a returning enrollee I was able to do all the steps in about an hour.

New wrinkle this year. The "eligibility statement" I got mid way through the process said I could only sign up for "silver" plans, no "gold" no "bronze." It wasn't a big deal since I wanted silver level anyway but I'm not sure what that was about.

As always, don't automatically renew your current plan, shop the various plans that are available to you.


Obamacare Subsidies: Are You Eligible?
Quote
Are you one of the 10.4 million Americans who are missing out on Obamacare subsidies? Kaiser Health reported that 60 percent of those who deserved subsidies didn't get them. Why? They simply didn't sign up for insurance on the health insurance exchanges.

Most people think the Affordable Care Act was designed to help the poor. In fact, more than half (56 percent) of the subsidies will go to middle-income families.
Logged

Robert Holmén

Hear me as I Play My Horn


Get your Popper, Dotzauer, or Kummer play-alongs!
Pages: 1 2 3 4 [All]   Go Up
Print
Jump to: