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Rum_Pirate
09-29-2013, 07:19 PM
What do you pay?

(per person coverage)


What did you pay before 'Obamacare' ?

Tom Montgomery
09-29-2013, 07:29 PM
I pay nothing. My healthcare is part of my negotiated wage and benefit package with my employer. That does not change under Obamacare.

My understanding is that the ACA offers coverage for both those without healthcare and those with sub-standard health care coverage. Subsidized for those under a certain income levels.

That is for working Americans, of course. Medicaid continues to cover the least fortunate.

George Jung
09-29-2013, 07:37 PM
Actually, the ACA does something for those already 'covered', as I understand it. No pre-existing conditions; some screenings, such as colonoscopy and mammograms, covered without out of pocket expense. I'm waiting to see how this affects my expense, personally. The 'pool' I'm part of has some high-risk individuals who wouldn't have been able to get coverage otherwise - and as a result, I'm paying a high amount. I may have options to dramatically drop that cost.

hokiefan
09-29-2013, 07:45 PM
I am currently using COBRA to extend my previous employer's coverage. The annual cost for the family plan is $20,100 of which they picked up 82%. Since that comes out of money they are willing to pay you, you are effectively paying all of it, but it doesn't hurt so much that way. With a family of four that is a bit over $5000 per. When the exchange in Georgia (Federal exchange actually) comes alive on Tuesday I will explore options, but here's hoping it is not necessary.

Cheers,

Bobby

peb
09-29-2013, 08:11 PM
What do you pay?

(per person coverage)

What did you pay before 'Obamacare' ?

Per person? A little under a 100 bucks/month with a 7500 family deductible. Aetna only charges for first three kids, so the per person amount is a little misleading

Been buying my own insurance for around 10 years, 3-5% annual increases that whole time.

Under obamacare? I don't know yet. I have heard that it is 16% better than "expected". The best " expected" I had seen was going to be around 15k/ year. Take off 16%, that still puts it at around $150 /month per person. So I expect to have over a 50% increase. Highly unusual, but I have been assured on this very forum that it is just insurance companies price gouging under the guise of obamacare ( which, if true, would prove that the law is a failure).

But maybe I will know more this week. I will surely let you all know.

S.V. Airlie
09-29-2013, 08:53 PM
It's not so much pay but what program includes. For many of the lesser programs; Bronze specifically, I think it's over priced for what the Insurance offers.

hokiefan
09-29-2013, 09:04 PM
It's not so much pay but what program includes. For many of the lesser programs; Bronze specifically, I think it's over priced for what the Insurance offers.

A little reading is in order Jamie. The 4 plans levels cover the same things. The difference is the size of the copays, deductibles, etc. A bronze plan costs less but you will pay more out of pocket if you get sick. The platinum plan is more expensive but you will pay less out of pocket.

http://101.communitycatalyst.org/aca_provisions/coverage_tiers

Rich Jones
09-29-2013, 09:06 PM
We don't pay too much because my wife's pension plan covers 85% of our healthcare costs. Nothing has changed yet because of ACA.

pkrone
09-29-2013, 09:13 PM
My healthcare went up 20%. Again. Thanks for controlling costs ACA. So half-assed...

Jim Mahan
09-29-2013, 09:16 PM
Got a letter from the VA. Coverage won't change.

S.V. Airlie
09-29-2013, 09:17 PM
A little reading is in order Jamie. The 4 plans levels cover the same things. The difference is the size of the copays, deductibles, etc. A bronze plan costs less but you will pay more out of pocket if you get sick. The platinum plan is more expensive but you will pay less out of pocket.

http://101.communitycatalyst.org/aca_provisions/coverage_tiersWell, if I pay more with the Bronze plan, Doesn't do much for me does it? Sure maybe cheaper but, cheaper doesn' help if the copays and other expences are out of line. It's no longer affordable.

Paul Girouard
09-29-2013, 09:22 PM
Mines going from $321.00 to $533.43, up $212.43 a mere 66% increase, all due to the Affordable Care Act !

Thank you Mister President, may I have another?

BTW my old plan that I liked and was told I could keep no longer exists!

Thank you Mr. President , may I have another?

hokiefan
09-29-2013, 09:25 PM
Well, if I pay more with the Bronze plan, Doesn't do much for me does it? Sure maybe cheaper but, cheaper doesn' help if the copays and other expences are out of line. It's no longer affordable.

You have 4 choices:
1)bronze - designed to cover 60% of your medical costs with an annual cap of $5950 or thereabouts. Lowest premiums
2)silver - designed to cover 70 % of your medical costs
3)gold - designed to cover 80% of your medical costs
4)platinum - designed to cover 90% of your medical costs. Highest premiums

You have to decide which is right for you, it is a cost benefit analysis. All four choices cover the same things.

Cheers,

Bobby

Todd D
09-30-2013, 06:36 AM
$230 this year. $0 last year. Next year looks to be $110. It looks like the ACA won't impact me other than to inject a bit of inconvenience into my life.

Peerie Maa
09-30-2013, 06:40 AM
Free at point of delivery. Dental care is covered by an insurance package, otherwise TOTALLY FREE :D

PeterSibley
09-30-2013, 06:43 AM
As with Nick, FREE and of extremely good quality , a pity Americans don't want something similar.

Keith Wilson
09-30-2013, 07:28 AM
I have insurance through my wife's employer (a better deal than mine). Our direct cost to add me isn't very much; I'd have to look it up. The cost to the employer is quite large. The ACA won't directly affect my costs at all.

OTOH it already has been beneficial; we had our son on our policy for a couple of years.

John Smith
09-30-2013, 07:35 AM
It's not so much pay but what program includes. For many of the lesser programs; Bronze specifically, I think it's over priced for what the Insurance offers.

Perhaps you're right. However, let me reference again my ER trip. If I had NO insurance, I would be billed $9300. Because I had insurance which contracted with the facility, the maximum they could charge was $167. Even if you've got poor insurance with big deductibles, it will have saved you over $9000. We need to look at the big picture when we discuss this issue. That includes how that $9300, when not paid by the patient, finds its way to the taxpayer and those who have insurance: it costs us all money wen the uninsured go to the ER.

As of Oct.1, my wife is also on Medicare. We each have a monthly premium of $104.90. I believe this goes up $9 in January. We are keeping our federal Blue Cross as our secondary. It does not have a "self and spouse" niche, and the self and family premium is $433 a month. I don't know what that will be in February, but it's been stable now for three years. Prior to that it had pretty well gone up at least 10% every year.

As to coverage, our days of co-pays and deductibles are over.

John Smith
09-30-2013, 07:37 AM
Mines going from $321.00 to $533.43, up $212.43 a mere 66% increase, all due to the Affordable Care Act !

Thank you Mister President, may I have another?

BTW my old plan that I liked and was told I could keep no longer exists!

Thank you Mr. President , may I have another?

Can you document that this increase is directly because of the ACA or just some jerk's knee jerk response to it?

John Smith
09-30-2013, 07:46 AM
I think it's important to remember all the aspects of the ACA. The GOP has had plenty of time to suggest improvements, but they've just tried, and are still trying, to sabotage the whole thing.

My grandson has suffered two broken arms. My other grandson took an ambulance ride with some sort of seizure which, fortunately, hasn't ever repeated itself. My granddaughter's boyfriend suffered a "minor" concussion playing high school football.

Under our old system, every one of them could be denied coverage when they outgrow their parents' policies because of these pre-existing conditions.

It's logical that if they have to cover people they would not have covered, premiums would be higher. The competition of the exchanges should help bring premiums down.

I can't help but thing the "adult" thing to do at this point is help the ACA get implemented and study it. Then it can be tweaked, or replaced by single payer.

Can anyone give me a logical reason why this country is so opposed to single payer?

John Smith
09-30-2013, 08:57 AM
I just caught a segment of Chuck Todd going over how the ACA will work in various states. Depends on the ideology of the states. A poor man in Texas will not fare as well as a poor man in California.

That's the bottom line.

Canoez
09-30-2013, 09:32 AM
I am covered under my wife's employee policy, and the employer pays 70% of the cost... we pay the balance. This is a pretty common arrangement in the Northeast. The policy is quite comprehensive, and costs around $22K/year, so our cost is $550/mo... but there are no deductibles, and the copays are modest.

Actually, the copays were even lower, last year, but the rising cost of coverage caused the employer to decide to economize.... so they switched to a plan with higher copays.... but the business covers the difference in cash; it's sort of a little bit of 'self-insurance', which so far has worked out well.

We don't use excessive health care... the reason for the 'platinum-plus' policy, is really a 'peace of mind' issue, since we are both just above 60 years old (I'm going to be 62 on Saturday), and my wife, as everyone knows, has Parkinsons and will likely need much more medical care in the years to come. The exclusion for pre-existing conditions is a CRITICAL factor, since, if my wife could no longer work, she'd be uninsurable without Obamacare.

My plan looks similar to Norman's wife.

My employer offers a significant part of the plan cost - over 90%, IIRC. I pay $10.53 every two weeks for a family plan. In 2012, plan costs were a bit higher - about $26 more. There were few deductibles and copays are low - $20 for an office visit, with referrals to specialists commonly allowed, low prescription drug co-pays. In 2013, they made a change to the deductibles - $1,500.00 per year for the family, $500 maximum per person, but they dropped the plan cost to the $10.53 and basically ate the cost of the deductibles. Coverage is quite good and includes reasonable vision care. Dental is completely covered under a separate plan that covers most items with $1500/per person annual coverage, enough for most dental work and includes 2 cleanings per year.

Hwyl
09-30-2013, 09:54 AM
What do you pay?

(per person coverage)


What did you pay before 'Obamacare' ?

One may ask the same question of you?

Rum_Pirate
09-30-2013, 10:06 AM
http://forum.woodenboat.com/images/misc/quote_icon.png Originally Posted by Rum_Pirate http://forum.woodenboat.com/images/buttons/viewpost-right.png (http://forum.woodenboat.com/showthread.php?p=3919739#post3919739)
What do you pay?
(per person coverage)
What did you pay before 'Obamacare' ?

One may ask the same question of you?

No problem mon.
Pay US$3,600.00 ($900.00/person) very limited benefits and high co-payments.
'Obamacare' did not make any change as it is not available/applicable here.

switters
09-30-2013, 10:08 AM
I don't consider the portion of the premiums my employer pays for me to be free.

I also note that the topic is coverage not medical care. Any care I need costs me right out of my pocket for the first $5K.

John of Phoenix
09-30-2013, 10:16 AM
Last year, in six months actually, my health insurance paid out far more than I've paid in over my entire lifetime. No increase in $4500 premium w/ $500 deductible.

Canoez
09-30-2013, 10:29 AM
I don't consider the portion of the premiums my employer pays for me to be free.

Agreed. My "take home" isn't what it could be at other employers, but, as a group we earn the money that gets paid into out health care here and we are aware of the fact that our employers are concerned about and value our health and ability to work without worrying about such things. Our vacation is generous as are our retirement plans and company provided life insurance policy. They are also concerned about life/work balance for all employees.

Paul Pless
09-30-2013, 01:56 PM
As with Nick, FREE and of extremely good quality , a pity Americans don't want something similar.


Peter / Nick: Seems they do have free issue dark glasses though - they can't see your post (or nobody wants to bite)

Reminds me of myopic discussions about weighted rudders......:d

Its disingenuous to suggest that their 'health care' is free, or to suggest that Obamacare is without cost.

TomF
09-30-2013, 02:53 PM
I pay taxes, Provincially and Federally. My health care coverage comes from that, and has no deductable, co-pay, or lifetime cap. I have a separate drug insurance program through my work, as this isn't covered in my Provincial health insurance plan.

My tax burden is quite acceptable - in fact, I think folks who earn what I do could probably stand to pay a bit more to the Province.

Rum_Pirate
09-30-2013, 03:07 PM
Can you get a quintuple bypass on St. Kitts? A hip replacement? Good quality cancer treatment? Or, do you have to fly somewhere for quality treatment... and if so, who pays?

quintuple ? Nope. Not even single.


a quadruple bypass means four vessels are bypassed (e.g. LAD, RCA, LCX, first diagonal artery of the LAD) while quintuple means five. Bypass of more than four coronary arteries is uncommon.

Fly and insurance pays up to a limit, then you pay or die.

Fortunately for them there are a lucky few that have a second nationality . . .

otherwise the word 'abysmal' sums it up pretty well.

John of Phoenix
09-30-2013, 03:10 PM
Its disingenuous to suggest that their 'health care' is free, or to suggest that Obamacare is without cost.Also, the cost of employer provided health care is built into the cost of the goods and services those companies provide - burden not borne by foreign companies where national health care is available.

Rum_Pirate
09-30-2013, 03:13 PM
Also, the cost of employer provided health care is built into the cost of the goods and services those companies provide - burden not borne by foreign companies where national health care is available.

. . . - burden not borne by foreign companies where national health care is not provided privately (by the co) or nationally.

Rum_Pirate
09-30-2013, 03:16 PM
Why does that matter? I presume that it isn't hard to get an emergency medical visa to the US. Perhaps you're referring to people with big money, enough to pay for that quadruple bypass? Yep. The poor (or not so rich) just die.

Rum_Pirate
09-30-2013, 03:35 PM
Ahhh, but the weather and the beaches make up for it... right? :)

Nope, I really don't think so.

Medical treatment here leaves a lot to be desired.


Diet is a real issue - high starch - high incidence of diabetes otherwise expectancy would be higher.


Life expectancy at birth: total population: 74.84 years male: 72.46 years
female: 77.26 years (2012 est.)


Source: CIA World Factbook (https://www.cia.gov/library/publications/the-world-factbook/fields/2102.html) - Unless otherwise noted, information in this page is accurate as of February 21, 2013

Fairly comparable with :

75.9 in Oklahoma (http://en.wikipedia.org/wiki/Oklahoma)
75.7 in Louisiana
75.4 in Alabama
75.4 in West Virgina
75 in Mississippi

Then when you factor in that over 30% are poor with incomes of less than US$110.00 per week.
They just cannot afford medical care.
Does that mean that it is healthier here?

Interestingly when my parents ages at their deaths (father early 90's and mother this year) is averaged it is 75.96.

They did both smoke, but probably had a better than average diet.

hokiefan
09-30-2013, 03:35 PM
I am covered under my wife's employee policy, and the employer pays 70% of the cost... we pay the balance. This is a pretty common arrangement in the Northeast. The policy is quite comprehensive, and costs around $22K/year, so our cost is $550/mo... but there are no deductibles, and the copays are modest.

Actually, the copays were even lower, last year, but the rising cost of coverage caused the employer to decide to economize.... so they switched to a plan with higher copays.... but the business covers the difference in cash; it's sort of a little bit of 'self-insurance', which so far has worked out well.

We don't use excessive health care... the reason for the 'platinum-plus' policy, is really a 'peace of mind' issue, since we are both just above 60 years old (I'm going to be 62 on Saturday), and my wife, as everyone knows, has Parkinsons and will likely need much more medical care in the years to come. The exclusion for pre-existing conditions is a CRITICAL factor, since, if my wife could no longer work, she'd be uninsurable without Obamacare.

In my view you and your wife are paying the $22K/per year even if you aren't writing that check directly. It is money the company is willing to pay to have your wife as an employee so it comes out of her pay package. The fact that they never let you see it makes it seem a lot less painful though.

That is what so many employed people don't get with regard to the healthcare/insurance mess that we have. No shot at you Norm, just making a point.

Cheers,

Bobby

Gib Etheridge
09-30-2013, 04:20 PM
$120/month for the 2 of us, no dental and does not cover meds. No other fees. Premium is based on previous year's income, we pay the max, will pay 1/2 that next year due to marked decrease in income. Last I knew there was a refund for meds over the first $700.00/year. I need that one year, it was no problem. I wish the US would take better care of you guys.

Paul Girouard
09-30-2013, 09:29 PM
#1:ALL due to the ACA? That is one mutha of an assumption. Can you prove it, or is it that you just want to ASSUME it's the reason?



#2: What makes you think that your 'old plan' would have continued to exist, without the ACA? Insurance companies change their arrangements all the time.... you've NEVER had a guarantee that any particular plan would be available in perpetuity.


#1: We've been over this on the thread I started, here's the letter I received AGAIN.

http://i21.photobucket.com/albums/b299/PEG688/image_zps9eb296e2.jpg (http://s21.photobucket.com/user/PEG688/media/image_zps9eb296e2.jpg.html)


#2: I've had the same plan for four or so years , so my thinking was no Obama care , my old plan would have stayed in place.

I've answered your questions , your solution on my thread was, "Tough $hit Paul, it's not all about you!"
" We won , you lost, get over it" Or basically " %$#@ you!"

The issue with that is there are many people, just like me who are sick of getting butt ^%$#ed for Obama's liberal dreams!