Maker Pro
Maker Pro

I'm Grandfathered in, for now.

A

amdx

Jan 1, 1970
0
I checked on healthcare insurance near equivalent to what I have now.
Family of four, no poor health conditions.

(Bronze Plan)
A BlueOption Essential HSA 1419
$6250 Deductible Individual/$12,500 Family
Annual Maximum Out-of Pocket $12,500
Price $1358 per month
Gov subsidy $47
My Cost $1,311

(Silver Plan)
Plan # 1409P
$3,600 Deductible Individual/$7,200 Family
Annual Maximum Out-of Pocket $7,200

Price $1617 per month
Gov subsidy $47
My Cost $1,570

My Grandfathered Plan
$10,000 Deductible Individual/$10,000 Family
Annual Out-of-Pocket $10,000
Price $633
Gov Subsidy $000
My Cost $633

With all these plans once you hit your deductible
all costs are paid by the insurance company.

A year ago May 2012 I was paying $438, been complaining
loudly since it increased to $633. Obama has made me feel
good about what I pay, compared to all the others having
to buy Obamacare.

Ya, I don't have any pregnancy benefits, but at 54, I don't expect
my wife to have anymore kids. Especially with me, snip/snip.
I also have a $5,000,000 lifetime cap, not an unlimited burden on society.

Mikek
 
A

amdx

Jan 1, 1970
0
Are you assured that you are grandfathered-in?

The rumor mill says you lose if your grandfathered plane doesn't meet
all of Obama's requirements... i.e. you have to pay for pregnancy
benefits whether you want them or not.

I got the "sports conversion" 40 years ago, and my wife is past
menopause, yet I won't be surprised if Obama doesn't force my Medicare
supplemental plan to cover birth control and maternity benefits.

The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.

...Jim Thompson
You know I can't be sure of anything, Obama can wave his pen and make
new rules at will. MY agent said I am grandfathered in. For Now!
Mikek
 
T

tm

Jan 1, 1970
0
Jim Thompson said:
Are you assured that you are grandfathered-in?

The rumor mill says you lose if your grandfathered plane doesn't meet
all of Obama's requirements... i.e. you have to pay for pregnancy
benefits whether you want them or not.

I got the "sports conversion" 40 years ago, and my wife is past
menopause, yet I won't be surprised if Obama doesn't force my Medicare
supplemental plan to cover birth control and maternity benefits.

The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.

...Jim Thompson
--

One can only hope!
 
G

Greegor

Jan 1, 1970
0
amdx > You know I can't be sure of anything,
andx > Obama can wave his pen and make new
amdx > rules at will. MY agent said I am
amdx > grandfathered in. For Now! Mikek

To be a bit technical about it, the legal
code says that new rules may be
"promulgated" at any time by Sebelius.

Perhaps that gives el presidente the ability
to maintain plausible deniability.
 
I checked on healthcare insurance near equivalent to what I have now.
Family of four, no poor health conditions.

(Bronze Plan)
A BlueOption Essential HSA 1419
$6250 Deductible Individual/$12,500 Family
Annual Maximum Out-of Pocket $12,500
Price $1358 per month
Gov subsidy $47
My Cost $1,311

(Silver Plan)
Plan # 1409P
$3,600 Deductible Individual/$7,200 Family
Annual Maximum Out-of Pocket $7,200

Price $1617 per month
Gov subsidy $47
My Cost $1,570

My Grandfathered Plan
$10,000 Deductible Individual/$10,000 Family
Annual Out-of-Pocket $10,000
Price $633
Gov Subsidy $000
My Cost $633

With all these plans once you hit your deductible
all costs are paid by the insurance company.

A year ago May 2012 I was paying $438, been complaining
loudly since it increased to $633. Obama has made me feel
good about what I pay, compared to all the others having
to buy Obamacare.

Ya, I don't have any pregnancy benefits, but at 54, I don't expect
my wife to have anymore kids. Especially with me, snip/snip.
I also have a $5,000,000 lifetime cap, not an unlimited burden on society.

Since your plan isn't "conforming", are you going to have to pay the
Obamascare tax?
 
A

amdx

Jan 1, 1970
0
Since your plan isn't "conforming", are you going to have to pay the
Obamascare tax?
I haven't heard that, I have insurance so I doubt I'll have to pay
the tax.
Been doing a little googleing, It seems the $5,000,000 lifetime cap is
not allowed. So I bet (I'll check tomorrow.) they changed it to unlimited.
Here's a bit of info.
http://www.dmhc.ca.gov/library/reports/news/fsghp.pdf
Mikek
Mikek
 
I haven't heard that, I have insurance so I doubt I'll have to pay
the tax.

Been doing a little googleing, It seems the $5,000,000 lifetime cap is
not allowed. So I bet (I'll check tomorrow.) they changed it to unlimited.

If your plan is grandfathered you don't have to pay the opt-out
penalty.

Lifetime caps are no longer allowed even for grandfathered plans,
which is part of why your rates jumped last(?) year.

They're phasing the caps out illegally, over a longer period than
the law specified, to spread the "rate shock" out over time. (I'm
not sure where they are in the process right now.)

Obama has also relaxed the out-of-pocket caps this first year (
violating his own law) for the same purpose, deception--it's
expensive, it drives up rates, and they don't want you to see
those rate hikes until after the 2014 election.

(This provision won't affect you, not as long as you can cling to
your grandfathered status.)

Cheers,
James Arthur
 
G

Gib Bogle

Jan 1, 1970
0
The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.

Yeah, the way Romney was going to win the last election. haha
 
J

josephkk

Jan 1, 1970
0
Are you assured that you are grandfathered-in?

The rumor mill says you lose if your grandfathered plane doesn't meet
all of Obama's requirements... i.e. you have to pay for pregnancy
benefits whether you want them or not.

I got the "sports conversion" 40 years ago, and my wife is past
menopause, yet I won't be surprised if Obama doesn't force my Medicare
supplemental plan to cover birth control and maternity benefits.

The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.

...Jim Thompson

Except they won't. Way too many voters like my daughter (minimally
employed) that benefit to get rid of them so easily. Though i admit that
the sticker shock may disenchant a lot of them.

?-/

Plus according to this:

https://www.wahealthplanfinder.org/HBEWeb/Annon_ShowIndividualFamilyPlans

there is nothing available for her. No more than 30K/year income, single,
king county.

?-(((
 
On Thursday, October 31, 2013 6:13:12 PM UTC-4, Jim Thompson wrote:
Your complaints should be directed at the exorbitant cost of health care and pharmaceuticals and not the government regulations. PPACA has killed the insurance industry ripoff, healthcare and big pharma are next, so you better believe they are going to manipulate the ignorant into thinking this is the worst of the worst.
 
J

Joerg

Jan 1, 1970
0
Jim Thompson wrote:

[...]

The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.

We'd wish, but ... read up on the topic "ineptocracy" :-(
 
J

Joerg

Jan 1, 1970
0
amdx said:
I checked on healthcare insurance near equivalent to what I have now.
Family of four, no poor health conditions.

(Bronze Plan)
A BlueOption Essential HSA 1419
$6250 Deductible Individual/$12,500 Family
Annual Maximum Out-of Pocket $12,500
Price $1358 per month
Gov subsidy $47
My Cost $1,311

(Silver Plan)
Plan # 1409P
$3,600 Deductible Individual/$7,200 Family
Annual Maximum Out-of Pocket $7,200

Price $1617 per month
Gov subsidy $47
My Cost $1,570

My Grandfathered Plan
$10,000 Deductible Individual/$10,000 Family
Annual Out-of-Pocket $10,000
Price $633
Gov Subsidy $000
My Cost $633

Welcome to the new government-run health "system". I lucked out as well,
we kept our grandfathered plan and <knocks on wood> it has not
death-spiraled. Yet. Obamacare would have meant a whopping 50% rate
increase for us.

I met a lot of healthy people who have already made up their mind. They
came to the rather simple realization that paying a 1% penalty or 2.5%
for 2015 is less than >10%. That alone could cause Obamacare to implode.

[...]
 
J

Joerg

Jan 1, 1970
0
Jim said:
Jim Thompson wrote:

[...]

The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.
We'd wish, but ... read up on the topic "ineptocracy" :-(

Our present crop of college students and recent grads, and their
attitude of shouting down any free speech they don't want to hear, are
sufficient reason to dispose of state-funded universities... and "low
information" voters.

The only way taxpayer funding should be involved is _perhaps_ for
scholarships... recipient qualification to be determined by
examination only... no "equal opportunity" BS.

Never going to happen under this administration. For many obvious reasons.
 
On Thursday, October 31, 2013 6:13:12 PM UTC-4, Jim Thompson wrote:

Your complaints should be directed at the exorbitant cost of health care and pharmaceuticals and not the government regulations. PPACA has killed the insurance industry ripoff, healthcare and big pharma are next, so you better believe they are going to manipulate the ignorant into thinking this isthe worst of the worst.

Demcare doesn't fix the insurance company's measly profit, and it
doesn't reduce the overhead.

"It is amazing that people who think we cannot afford to pay for doctors, hospitals, and medication somehow think that we can afford to pay for doctors, hospitals, medication and a government bureaucracy to administer it." --Sowell
 
G

Gib Bogle

Jan 1, 1970
0
Jim Thompson wrote:

[...]

The only good that will come of this is that so many Democrat
politicians will lose their ass in the 2014 mid-terms.

We'd wish, but ... read up on the topic "ineptocracy" :-(

Obama's big mistake was adopting the Republican healthcare plan (aka
Romneycare).
 
L

Lasse Langwadt Christensen

Jan 1, 1970
0
Den fredag den 1. november 2013 19.37.34 UTC+1 skrev [email protected]:
Demcare doesn't fix the insurance company's measly profit, and it

doesn't reduce the overhead.



"It is amazing that people who think we cannot afford to pay for doctors,
hospitals, and medication somehow think that we can afford to pay for doctors,
hospitals, medication and a government bureaucracy to administer it." --Sowell

is insurance companies bureaucracy to administer it and profit from it any
better?

-Lasse
 
J

Joerg

Jan 1, 1970
0
Lasse said:
Den fredag den 1. november 2013 19.37.34 UTC+1 skrev [email protected]:

is insurance companies bureaucracy to administer it and profit from it any
better?

Sure it is. The classic example happened almost instantly, before
Obamacare even opened. They spent a whopping $634 million on a web site
that any private outfit could have successfully designed for less than
$100M and ... it does not work!
 
L

Lasse Langwadt Christensen

Jan 1, 1970
0
Den fredag den 1. november 2013 21.35.37 UTC+1 skrev Joerg:
Sure it is. The classic example happened almost instantly, before

Obamacare even opened. They spent a whopping $634 million on a web site

that any private outfit could have successfully designed for less than

$100M and ... it does not work!


big IT project have a tendency to get ridiculously expensive, I'm not sure big companies are much better at it than governments, they just don't go public
with it

but to put the 635M in perspective, in 2011 that would be around 6 weeks ofprofit for UnitedHealth Group

with that kind of money involved I'm sure they spend a lot in lobbying and contributions to avoid be cut out of the loop by a single payer system

-Lasse
 
T

tm

Jan 1, 1970
0
Den fredag den 1. november 2013 21.35.37 UTC+1 skrev Joerg:
Sure it is. The classic example happened almost instantly, before

Obamacare even opened. They spent a whopping $634 million on a web site

that any private outfit could have successfully designed for less than

$100M and ... it does not work!


big IT project have a tendency to get ridiculously expensive, I'm not sure
big companies are much better at it than governments, they just don't go
public
with it

but to put the 635M in perspective, in 2011 that would be around 6 weeks of
profit for UnitedHealth Group

with that kind of money involved I'm sure they spend a lot in lobbying and
contributions to avoid be cut out of the loop by a single payer system

-Lasse
++++++++++++++++++++++++++++++++++++

So what you are saying is that United Health Group knows how to provide
health care and obozo does not! Yep, got it.

tm
 
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