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Offlinemorrowasted
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Fox News: I was an Obamacarecare guineapig
    #19027901 - 10/24/13 07:52 PM (10 years, 3 months ago)

I was an ObamaCare guinea pig



Quote:

I signed up. I saved. And so will millions of Americans.

Honestly, I couldn’t wait to sign up for ObamaCare — not because I talk about it on television, but because I’m tired of being ripped off by my insurance company.

I live in New York State — which for several decades has had the highest individual insurance premiums in the nation.

For the past three years, since leaving a job at a non-profit organization and then exhausting my COBRA, I have relied on the individual insurance market to get coverage for myself, my partner and our daughter.

Three years ago when I was shopping for insurance, there weren’t that many options to choose from. And the plan I ended up with is expensive and, to put it bluntly, crappy.

Currently, I pay $965 per month for family coverage that includes:

•    a whopping $7,000 deductible;

•    $36,000 out-of-pocket max per year;

•    an annual coverage limit of $2,000,000;

•    a $35 co-pay for doctor’s visits ($55 for specialists); and

•    a $15 co-pay for generic prescriptions.

All this plus the plan has very limited out-of-network coverage that, I found out the hard way, is subject to such a gauntlet of procedural hurdles that my family has spent thousands of dollars in so-far-unreimbursed out-of-network expenses.

I’m not going to tell you who my current provider is, though I’m inclined to purely out of loathing and spite. But for the record, for over a year I paid for their version of “gold” coverage that had a $3,000 deductible, only a $25 doctor’s co-pay and a $6,000 out-of-pocket max.

But that plan didn’t process any of my reimbursements either and cost a whopping $1,687 per month. That’s over $20,000 per year!

You can see why, regardless of what party I vote for, I was excited to have some more affordable options.

So I logged onto the New York State health insurance exchange website. Yeah, I had a few false starts — the website was down a lot early on either because of service glitches or overwhelming traffic.

For a few days, I couldn’t do anything at all on the website.

Then for a day or so I could “log-in” but not complete registration. And then for a day, I could answer the questions to complete my registration but not actually complete the process.

On one occasion, I got so frustrated at the stalled exchange website that I actually shook my computer.

Not pleasant.

But finally, early on the first Saturday morning following the launch of the exchange site — probably because the rest of the state (unlike my five-year-old) was still asleep -- I was able to log-in and complete my registration and check out all my options for insurance.

There were literally 50 plans that were better than my current insurance -- both with lower premiums, lower out-of-pocket costs and better coverage. And there were ten plans with a higher premium than my current insurance, but with lower deductibles.

So -- and here’s an important point -- the reason that more people haven’t signed up for coverage yet is probably that, just like me, they needed to take some time (and first, find some time!) to weigh all the options.

While the exchange site was user-friendly and explained my options in a clear and simple way, picking an insurance plan isn’t exactly like ordering a hamburger. It took a minute to find my calculator and think about the options.

Within a week, I had settled on a “gold” plan offered by Empire Blue Cross Blue Shield. The plan includes:

•    a $2,000 total deductible;

•    an out-of-pocket max of $12,500 for the year;

•    a $30 co-pay for visits to our primary care doctor;

•    a $15 co-pay for generic prescriptions;

•    NO annual coverage limit — because that’s now prohibited thanks to the Affordable Care Act; plus

•    an added bonus: the plan I selected includes child dental.

This option will cost my family $931 per month — $408 per year less than my previous crappy plan and a $5,000 savings in deductibles. A big win for me and my family financially and in terms of what’s covered.

Plus in the past, I spent several days looking for and comparing insurance options. Under ObamaCare, even with the slow and sticky website, I spent a total of four hours — to save over $5,400. That kind of return on investment would make Warren Buffett drool.

Counter to wild stories about the government taking over health care, the exchange was simply a public portal to a range of all-private insurance options. I went with a “gold” plan for lower deductible and out-of-pocket costs. And I chose Blue Cross Blue Shield because my current primary doctor is in-network.

But one of the most exciting things is the new companies providing private insurance through the exchange; I’ll be watching the reviews over the next year and might change plans when re-enrollment comes around.

As of October 20, the Associated Press reported that 476,000 Americans had filled out insurance applications through the federal and state exchanges. Not bad, considering the poor performance of the sign-up websites.

But it’s only been 20 days since the exchanges launched, and folks have 60 more days (through December 15) to sign up for coverage to take effect on January 1, 2014. And people have 60 days after that (February 15) before the individual mandate penalty kicks in.

In other words, there’s still plenty of time to fix the websites and for more Americans to enroll — and save. Meanwhile, we know that in a state like Oregon, ObamaCare has already reduced the number of uninsured individuals by 10%.  Glitches aside, that’s a great start.

We’ve suffered through four years of outlandish attacks against ObamaCare -- that it will kill our grandmothers, or at least just kill our economy. But the fact is that ObamaCare has created a private marketplace so that millions of American families like mine can get affordable, quality health insurance while keeping more of our hard-earned money.

Ideologues may not like ObamaCare, but my wallet and my family’s health sure do.




Is journalism becoming more balanced?


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OfflineBrakepad
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Registered: 11/29/12
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Re: Fox News: I was an Obamacarecare guineapig [Re: morrowasted] * 2
    #19027971 - 10/24/13 08:03 PM (10 years, 3 months ago)

Fuck Obama care its completely unconstitutional and Congress and the president are exempt from it. if there forcing obamacare on us it should be forced upon them aswell. they don't want to be included in it because Obamacare is a terrible idea


--------------------
:sanpedro:Cactus.
:lsdabc: :kong: :chemistry: :scaryshroom: :fasted:


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Invisibletdubz
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Re: Fox News: I was an Obamacarecare guineapig [Re: Brakepad] * 5
    #19027996 - 10/24/13 08:07 PM (10 years, 3 months ago)

unconstitutional right....thats why it passed the house,senate and was upheld the by the supreme court :rolleyes:


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Invisiblesetb
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Registered: 01/30/11
Posts: 2,580
Re: Fox News: I was an Obamacarecare guineapig [Re: tdubz] * 2
    #19028007 - 10/24/13 08:09 PM (10 years, 3 months ago)

Quote:

tdubz said:
unconstitutional right....thats why it passed the house,senate and was upheld the by the supreme court :rolleyes:




The supreme court also ruled that holding slaves is legal, just saying. Can the talking points.


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InvisibleMe_Roy
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Registered: 07/30/02
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Re: Fox News: I was an Obamacarecare guineapig [Re: Brakepad]
    #19028008 - 10/24/13 08:09 PM (10 years, 3 months ago)

Quote:

Brakepad said:
Fuck Obama care its completely unconstitutional and Congress and the president are exempt from it. if there forcing obamacare on us it should be forced upon them aswell. they don't want to be included in it because Obamacare is a terrible idea




Like the rest of the nation, Obama and Congress are free to get insured outside of the exchanges.

Fair's fair, as they say.


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OfflineLoveYourLife
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Registered: 08/05/09
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Loc: Cincinnati
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Re: Fox News: I was an Obamacarecare guineapig [Re: tdubz]
    #19028025 - 10/24/13 08:12 PM (10 years, 3 months ago)

I'm signed up and it worked out well for me too, so fuck it. I haven't had insurance in a few years and now I will, so I'm happy :shrug:


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Offlinezappaisgod
horrid asshole


Registered: 02/11/04
Posts: 81,741
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Re: Fox News: I was an Obamacarecare guineapig [Re: LoveYourLife]
    #19028073 - 10/24/13 08:19 PM (10 years, 3 months ago)

Quote:

LoveYourLife said:
I'm signed up and it worked out well for me too, so fuck it. I haven't had insurance in a few years and now I will, so I'm happy :shrug:



1.  What state do you live in?
2.  You didn't have insurance because............?
3.  How much will you personally be paying for your BumCare?


--------------------


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OfflineBrakepad
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Re: Fox News: I was an Obamacarecare guineapig [Re: LoveYourLife]
    #19028074 - 10/24/13 08:20 PM (10 years, 3 months ago)

http://www.foxnews.com/politics/2011/01/31/judges-ruling-health-care-lawsuit-shift-momentum-coverage-debate/ most of the house, Senate and supreme court are brought out by corporations your argument is invalid (this post is to Tdubz)


--------------------
:sanpedro:Cactus.
:lsdabc: :kong: :chemistry: :scaryshroom: :fasted:


Edited by Brakepad (10/24/13 08:21 PM)


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Offlinezappaisgod
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Re: Fox News: I was an Obamacarecare guineapig [Re: tdubz]
    #19028083 - 10/24/13 08:21 PM (10 years, 3 months ago)

Quote:

tdubz said:
unconstitutional right....thats why it passed the house,senate and was upheld the by the supreme court :rolleyes:




Not all of it was and there are more challenges coming.


--------------------


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OfflineBrakepad
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Re: Fox News: I was an Obamacarecare guineapig [Re: tdubz]
    #19028144 - 10/24/13 08:29 PM (10 years, 3 months ago)



--------------------
:sanpedro:Cactus.
:lsdabc: :kong: :chemistry: :scaryshroom: :fasted:


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OfflineSchmendrick
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Re: Fox News: I was an Obamacarecare guineapig [Re: zappaisgod] * 2
    #19028155 - 10/24/13 08:31 PM (10 years, 3 months ago)

With the most recent government shutdown nonsense and the Affordable Care Act finally kicking in, I will be surprised if the Republicans are able to hold the house next year.  One thing's for sure, they won't be seeing the white house again any time soon unless they ditch the right wing extremists like our friend zappa here.

You just keep doing what you're doing, zappa.  You and your kind had the country fooled with your false patriotism for a while, but the masses have woken up to your nonsense, and all I have to say to you at this point is 'thank you very much'.  The tea party has destroyed the GOP from within.. you have done the dems a huge favor, so just keep on keepin' on!  Keep fighting the good fight!


Edited by Schmendrick (10/24/13 08:35 PM)


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InvisibleLynnch
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Registered: 04/29/09
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Re: Fox News: I was an Obamacarecare guineapig [Re: Brakepad] * 1
    #19028156 - 10/24/13 08:31 PM (10 years, 3 months ago)

Quote:

Brakepad said:
Fuck Obama care its completely unconstitutional and Congress and the president are exempt from it.



This is the most mindblowingly stupid line being being repeated over and over right now.

-The supreme court decides what is constitutional and what's not, they reviewed it, it's constitutional, Period.

-Everybody is required to get insured. Nobody is required to 'get obamacare', as there is no such thing. Everyone who already has coverage *like congress and the president* doesn't have to do a damn thing.  Even if they did exempt themselves from it, it would be idiotic- they exempt themselves from getting insurance and medical treatment??? You better bet all those old assholes have a shitload of doctors.


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InvisiblePrisoner#1
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Re: Fox News: I was an Obamacarecare guineapig [Re: morrowasted]
    #19028178 - 10/24/13 08:36 PM (10 years, 3 months ago)

Quote:

morrowasted said:
I was an ObamaCare guinea pig



Quote:

In other words, there’s still plenty of time to fix the websites and for more Americans to enroll







really?




Quote:

Is journalism becoming more balanced?




fix has always been more balanced than other sources, for some retarded
reason people seem to take political commentary as news and they'll go
based on hearsay to form their opinions on the source



under the obamashit, I'd spend $500 more per month on insurance


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OfflineSchmendrick
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Re: Fox News: I was an Obamacarecare guineapig [Re: Prisoner#1]
    #19028187 - 10/24/13 08:38 PM (10 years, 3 months ago)

You only think Fox is balanced because you agree with the nonsense and hatred they spew 24/7


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InvisiblePrisoner#1
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Re: Fox News: I was an Obamacarecare guineapig [Re: Schmendrick]
    #19028204 - 10/24/13 08:41 PM (10 years, 3 months ago)

Quote:

Schmendrick said:
You only think Fox is balanced because you agree with the nonsense and hatred they spew 24/7





what nonsense and hatred, mind providing that link?


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Offlinezappaisgod
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Re: Fox News: I was an Obamacarecare guineapig [Re: Schmendrick]
    #19028209 - 10/24/13 08:42 PM (10 years, 3 months ago)

Quote:

Schmendrick said:
With the most recent government shutdown nonsense and Obamacare finally kicking in, I will be surprised if the Republicans hold the house next year.  One thing's for sure, they won't be seeing the white house again any time soon unless they ditch the right wing extremists like our friend zappa here.


  Conservatives appreciate your concern trolling and will keep it in mind.  Is that a bead of flop sweat I see?
Quote:



You just keep doing what you're doing, zappa.  You and your kind had the country fooled with your false patriotism for a while, but the masses have woken up to your nonsense, and all I have to say to you at this point is 'thank you very much'.  The tea party has destroyed the GOP from within.. you have done the dems a huge favor, so just keep on keepin' on!




Oddly enough Ted CRuz and the Tea Party have been vindicated by the abject failure of Obamacare.

Oh, by the way, my health insurance is going to be gone soon because of BumCare.  I got the notice about a month ago.  I'd really like to shop for health insurance but the government monopolists have kinda fucked me out of even that.  Did you know you can't buy a policy that doesn't include mental health coverage in NY?  Or that, on the exchange, makes any payment at all to out of network doctors except for emergencies?

I don't want to break your heart but I would rather pay a little extra to get an exceptional doctor rather than a run of the mill shmuck who has to take shit pay to stay in practice.  My old insurance, gone the New Year, used to pay something for out of network.  Coming soon?  Not a fucking nickel for out of network.


--------------------


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InvisiblePrisoner#1
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Re: Fox News: I was an Obamacarecare guineapig [Re: Lynnch]
    #19028221 - 10/24/13 08:43 PM (10 years, 3 months ago)

Quote:

Lynnch said:
-The supreme court decides what is constitutional and what's not, they reviewed it, it's constitutional, Period.





the supreme court called it a tax and said that taxes were constitutional

what the didnt look at was that taxes have to originate from the house, not
the senate, that it in the constitution


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Offlinezappaisgod
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Re: Fox News: I was an Obamacarecare guineapig [Re: Lynnch]
    #19028224 - 10/24/13 08:44 PM (10 years, 3 months ago)

Quote:

Lynnch said:


-The supreme court decides what is constitutional and what's not, they reviewed it, it's constitutional, Period.





The Supreme Court pretzeled themsleves into finding some, but not all, of what was brought before them to be Constitutional.  It won't be the last challenge


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InvisiblePrisoner#1
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Re: Fox News: I was an Obamacarecare guineapig [Re: Schmendrick]
    #19028243 - 10/24/13 08:47 PM (10 years, 3 months ago)

Quote:

Schmendrick said:
With the most recent government shutdown nonsense and the Affordable Care Act finally kicking in, I will be surprised if the Republicans are able to hold the house next year. 




what was that shutdown about... it was about the teaparty and republicans being right

http://www.usatoday.com/story/news/politics/2013/10/24/democrats-waver-obamacare-delay-hagan/3181655/


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OfflineDr. P. Silocybin
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Re: Fox News: I was an Obamacarecare guineapig [Re: setb]
    #19028244 - 10/24/13 08:47 PM (10 years, 3 months ago)

Quote:

setb said:
Quote:

tdubz said:
unconstitutional right....thats why it passed the house,senate and was upheld the by the supreme court :rolleyes:




The supreme court also ruled that holding slaves is legal, just saying. Can the talking points.



That's because holding slaves was legal. The Constitution implied the legality of slavery by counting slaves as 3/5ths of a person. Slavery was not illegal until the 13th Amendment was ratified.

what part of their ruling on the  Affordable Care Act do you think the Supreme Court got wrong?


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