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Thread: Merry Chistmas and Don't Forget to Enroll!

  1. #21
    Senior Member Buzz's Avatar
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    Quote Originally Posted by Brad Turner View Post
    Merry Christmas menmon.

    His insurance is a better deal for him. As I recall, someone in his family has a pre-existing condition. Everybody else's premiums go up so that his can be subsidized. Of course he likes it.
    So your a supporter of the idea that health insurance is for the healthy, and once they get sick they are on their own.
    "For everyone to whom much is given, of him shall much be required." -- Luke 12:48

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  2. #22
    Senior Member Franco's Avatar
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    Quote Originally Posted by menmon View Post
    There has been so much misinformation put out there about the ACA so everyone's heads are full of shit about it.

    Example, you work for exxon so you have 10 insurance plans to choice from, nobody ask about preexiting conditions, just how old you are. Exxon employs approximatly 500,000 people some sick some not and the insurance company quotes a price that works for them given this bucket of sick and not sick. No different than the exchange. Now the government did add something good a tax if you are not insured and subsidy for the folks thats income is such they can afford it.
    The entire premiss of making the ACA work was in getting young people to sign up. That ain't happening. It is the one issue that could cost the Dems the White House in 2016.
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  3. #23
    Senior Member M&K's Retrievers's Avatar
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    Quote Originally Posted by menmon View Post
    It's a deal when your wife is uninsurable becasue she has rheumatoid arthritis. Since I left the bank we were insured under cobra. Couldn't get it any other way. When I worked at the bank, I paid approximately $700 per month and my the bank paid the other half for a total of $1400 per month. The deductable was $2800 each and drugs went towards the copay. My new deductable is $1500 each and drugs are not part of the deductable.

    The only negative in this policy and I don't see it as one is that I have to stay in network. I am not married to a special doctor anymore, so it does not mater to us and there are plenty of good doctors and various specialist in the network.
    This doesn't make sense. I assume you meant to say that under your employer plan drugs were subject to a separate co pay and that under Humana you don't have a drug co pay and that drugs are subject to the plan deductible. This is not an improvement. You neglected to mention your coinsurance out of pocket both in and out of network. If you go out of network, is there any coverage? You are married to a special doctor. One that is in Humana's crappy network. After 35+ years in the group insurance business, I don't believe I have ever seen a case where the employer paid 50% of the employee and 50% of the dependent. Doesn't make sense. More likely it was all of your cost and 50% or none of the dependent.

    If your wife is uninsurable, why did you quit your job?
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  4. #24
    Senior Member Buzz's Avatar
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    [QUOTE=M&K's Retrievers;1173251
    If your wife is uninsurable, why did you quit your job?[/QUOTE]

    Yup, this is the old system. If you have a sick family member, DO NOT quit your job and start your own business. No matter what, you're stuck. God help you if you get laid off.
    "For everyone to whom much is given, of him shall much be required." -- Luke 12:48

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  5. #25
    Senior Member M&K's Retrievers's Avatar
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    Quote Originally Posted by Buzz View Post
    Yup, this is the old system. If you have a sick family member, DO NOT quit your job and start your own business. No matter what, you're stuck. God help you if you get laid off.
    Yes, Buzz. The old system that should have been tweaked to solve certain situations not totally dismantled. I hope I'm around to hear you and Memon bitch and moan when your "new system" collapses under it's own weight and the government has to bail out the insurance companies. It will make other government bailouts look inconsequential and very likely crater the economy. Enjoy.
    Last edited by M&K's Retrievers; 12-26-2013 at 09:50 AM.
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  6. #26
    Senior Member JS's Avatar
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    Quote Originally Posted by M&K's Retrievers View Post

    If your wife is uninsurable, why did you quit your job?
    Now that's about the dumbest remark I've ever seen posted on here! There are dozens of good reasons why someone changes employers; some voluntary and some not. You can't think of one???

    Good to see POTUS is maintaining the typically high level of dialogue.

    Merry Christmas all. Over & out.

    JS
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  7. #27
    Senior Member luvmylabs23139's Avatar
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    Quote Originally Posted by menmon View Post
    My wife and I enrolled and it was easy. $1040 per month with Humana $3000 total out of pocket $400 less than we paid last year and much better insurance. No drug copay either.
    They wanted to increase our by $500 per month for pure garbage!!! Nothing but screwing the healthy!
    NO way no how! It was going from 425 to 924 for higher deductables etc etc etc. Whole thing is a trainwreck!
    Hihope Hiland Heathen of Perth CD, RE, CGC, TDI

  8. #28
    Senior Member luvmylabs23139's Avatar
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    Quote Originally Posted by BonMallari View Post
    judging how good one's insurance really is usually comes down to when you actually NEED to USE IT....I hope none of you ever have to use yours (I can dream)
    It comes down to knowing and understanding a policy. Researching networks, a big issue for us as DH travels nonstop for work so we must have a national plan etc. We care about the worst case issue, and have the reserves banked.
    I feel for many who really do not have a clue how to compare policies for their situation. While I cursed and fumed about getting that stuff dumped onto me years ago as a payroll not HR manager, the knowledge I gained has paid off.
    Hihope Hiland Heathen of Perth CD, RE, CGC, TDI

  9. #29
    Senior Member luvmylabs23139's Avatar
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    Quote Originally Posted by shinyhead View Post
    So you think it is ok that someone that has a pre existing condition can not get coverage. Bankrupt someone with a medical issue, just because they couldn't find insurance that would cover them. Why not just euthanize anybody that is not as healthy as you, so long as your premiums don't go up. Whatever happened to compassion for our fellow man/woman? there are many things about this law that I don't like, but the part where someone cannot be denied because of a pre-existing condition is a good thing. Say you were working for someone and over time you acquired some health issues. You unfortunately lose your job and have to buy insurance, you had insurance with your previous employer, but now you can't get any coverage because there is no insurance company that will cover your pre-existing condition. Who pays for the medical bills when the person can't afford to pay the entire bill because of no insurance? they have to make a choice, put food on the table, or pay the medical bill. What do you think is going to happen? They are going to eat, then the cost gets passed on to the rest of us by higher healthcare costs to offset the ones that don't pay.
    Do you think that a person that buys a product on the open market should suddenly pay more because god forbid they try to live a healthy lifestyle? Why should I have to find $500 more per month to pay for him? Where do I find that money? Not pay the mortgage? Not buy food? Where does that come from?
    Hihope Hiland Heathen of Perth CD, RE, CGC, TDI

  10. #30
    Senior Member luvmylabs23139's Avatar
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    Quote Originally Posted by menmon View Post
    Get a clue please!!! I'm going to let you in on a little secret....insurance is socialism. It is by design a collective arrangement where the sick can get treated for less cost because the healthy pay.

    Now I guess when you smoke, drink and over eat you put more burden on the collective group, I hope no body dignosis your stupidity because everyone's insurance will go up for sure when they try to fix that.

    My insurance is with Humana no different than when I worked at the bank and was with Blue Cross, only difference is I had many options, I could have gotten the same policy I had before and had an out of network policy that was more expensive.
    Actually Obama only makes smokers pay not FAT BLIMPS! You can eat yourself to death and pay less than the smoker who swims 5 miles a week! Ask me how I know! At least for now I got an 11 month out cand get credit for being of healthy weight, exercise etc.
    Hihope Hiland Heathen of Perth CD, RE, CGC, TDI

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