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wow how affordable is the ACA? Not so much if you work and make average money

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VectorMan
Sal
2seaoat
Markle
Floridatexan
dumpcare
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PACEDOG#1 wrote:We all might have to choose btw eating and health insurance
You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.

Markle

Markle

ppaca wrote:
Markle wrote:
ppaca wrote:
Markle wrote:
ppaca wrote:
Markle wrote:
Floridatexan wrote:
Chrissy wrote:
ppaca wrote:Chrissy's scenario is more realistic and probably dead on. That premium is not bad C considering that is lower than most decent plans today for the same 25 year old.

But Pace you an educator use 65 year olds? Think you better go back a re read the law, although the rates go up that far all the actuarial figures are based on age 0-64. If anyone is eligible for Medicare they cannot purchase any under 65 product it is illegal and that also means a 55 year old on disability on Medicare. The only people over 65 that can, is someone not eligible for Medicare and then hopefully they'd fall below 250 FPL to be eligible for subsidy. Most will be legal immigrants that have been here less than 5 years. Also you plugged in an annual salary above 400% FPL.
be forewarned, most 25 year olds are pretty healthy and are not going to be pleased on a low salary having to pay $125. a month for ins they don't expect to use.
I can assure you that my daughter would have appreciated that option when she had to have back surgery in 2011, being that she's an independent contractor...so she paid out-of-pocket.  But I agree that it's hard, because of the inequity in our tax system, for a young person to get ahead of their tax burden.  
Did she pay any income tax?  Strange coming from you who what the young to pay more and more in taxes.

If she was young, and healthy she could have bought any of dozens of health insurance plans depending on the coverage she wanted.  How old was she and what was her income?

You don't even know what the deductible is on that $125.00 or what the co-pay is on that lowest priced coverage.  All the deductibles I've seen so far, on those place are $5,000 to $6,000 and around $13,000 for families.  They pay 67% which means even after the insurance kicks in, the policy holder is responsible for 33% of the charges.
Show me a family deductible for $13,000. You have been over 65 toooo long. $5000 up to $10000 deductible's have been around a while. Also parts of the letter you posted from Orlando newspaper from the realtor group was wrong.
Please, share with us all what was wrong.  It was not a letter from the Orlando newspaper.
Hey, I thought that article you posted was in this thread. Can't find it. Repost it here and I'll tell you.[/quote]

Always glad to oblige.

You can always take up your argument with the AP too.

Oct. 2, 2013 11:00 AM ET

Cheapest Fla. health plan costs $86 a month

By MIKE SCHNEIDER AND KELLI KENNEDY

ORLANDO, Fla. (AP) — The most expensive health insurance premiums for individuals in Florida in the new government-run online marketplace are in the Florida Keys, and the cheapest premiums are for a bare-bones plan offered in Broward County, according to federal data.

The state's cheapest monthly premiums were for plans covering only catastrophic emergencies in Broward County, according to figures released late Tuesday. Those plans offered by insurer Coventry One in Broward County would cost a 27-year-old almost $86 a month and a 50-year-old would pay $146 monthly. The state's most expensive premiums, for a plans offered by Florida Blue, have the highest level of benefits, known as a platinum plan. It would cost a 27-year-old individual almost $460 a month and a 50-year-old Floridian $782 a month.

Roughly half of Florida's 3.5 million uninsured residents may be eligible for federal subsidies to help them purchase insurance, according to the liberal advocacy group Families USA. But the amount will vary widely depending on income, location, the plan, family size, age, and even tobacco use. Florida residents can choose from 102 plans, the second-highest of any state.

The government-run marketplace is offering five different types of plans based on levels of benefits: platinum, gold, silver, bronze and catastrophic. Insurance plans offered through the exchange have undergone a major upgrade. As of Jan. 1, insurers can no longer turn away people with pre-existing medical conditions, and they will be limited in what they can charge to older policy holders. Consumers' financial exposure will be capped. Insurers are also required to offer beefed up benefits under the plans, so while prices may increase, consumers will be getting a meatier product.

Consumers were able to start shopping on the exchange Tuesday, although many in Florida and around the country were plagued by glitches on the website.

The problems continued Wednesday morning with users getting the same apology message for delays. Amid the problems, federal health officials refused to say how many people enrolled online. The number appeared to be low in Florida.

Several community health centers around the state, including ones in Miami and central Florida, were able to sign a small number of consumers up for health plans online.

"It was quick...we may have had a good 20 minutes or so before the system started to get funky," said Andy Behrman, president and CEO of Florida Association of Community Health Centers.

Workers planned for a possible web crash before launch day and printed hard copies of the online applications which they also translated into Creole for their Haitian clients.

"We don't care about the politics. This is about people so we were trying to make it easy for the patients," said Behrman.

It was a different story at a community health center half an hour away in the Fort Lauderdale area.

"We were not able to enroll but we were able to set appointment s for the rest of this week and help the people gather the required documentation to help their appointments a smoother process," said Jerson Dulis, a certified application counselor with Broward Community & Family Health Centers, Inc.

It's too soon to tell whether enough people will sign up for insurance through the new federal marketplace to make the law successful. If enough people participate, it will mean more customers for insurers and more paying patients for hospitals, giving them more incentive to experiment with different ways of paying doctors and delivering care in an industry with already shrinking profit margins. Experts anticipate many insurers will narrow the number of doctors in a certain network to curb costs because it's an easy way to control where patients go.

Overall, the most expensive premiums in Florida were for platinum and gold plans found in the Florida Keys, Miami, Fort Lauderdale and Lakeland. The least expensive premiums were for bronze and catastrophic plans scattered throughout metro Tampa, Jacksonville, metro Pensacola and South Florida.

The cost of premiums for a family paralleled the rates for individuals when it came to geography. The most expensive premium for a family in Florida was a Florida Blue plan in the Florida Keys. The platinum plan would set a family back $1,551 every month. The cheapest plan for a family was the catastrophic plan offered by Coventry One in Broward County. It would set a family back almost $290 each month.

Premiums for the same type of plans varied widely, and in some cases were twice as expensive, depending on the insurer and location. For instance, a platinum plan for a family offered by Humana in Palm Beach County cost only $733 — almost half as much as the premium for the Florida Blue family plan in Monroe County.

But insurers are cautioning consumers to consider more than just the bottom line. If you want to stay with a particular doctor's network or have around-the-clock customer service, it may cost more. Alternatively, even though a premium may be low, there could be a $5,000 deductible before the plan kicks in.

"Everyone is so focused on price that they're giving the consumer a false sense that it's only the price that's important to them," said Ray Smithberger, general manager in charge of Cigna Individual and Family Plans. Cigna is offering several plans through Florida's federally-run health exchange.

___

Kennedy reported from Fort Lauderdale, Fla

http://hosted2.ap.org/FLJAJ/c9d240e3e96e4b9a8bfb27e9b3a7063c/Article_2013-10-02-Health%20Overhaul-Florida/id-bb5b09e63e9742f684f317bbe88495b0

Well after re reading this a couple of times I realize this is the information that was provided by someone to them. But whoever provided the info misquoted: catastrophic plans are only for someone under 30 or can prove extreme hardship.

The paragraph that makes me turn red is the community health center's are signing people up. If they have navigator's the navigator's only job is to explain and direct them to someone, such as an agent to sign them up. I suppose a certified health counselor or enroller could be there, but I bet you they are doing are saying something that is breaking the law. Thank God these community clinic's will run out of money quickly since they didn't get much and the average is only 1 in each county in Florida, but the south received more money and navigator's than the rest of the state.
So now you admit that there are no errors in the article.  Good work!

dumpcare



Not really error's just a twist on a couple of things. They lead the public to believe anyone can get a cat plan, not true and also cat plans are just not for emergency's they all have some doctor visit copays in them.

dumpcare



BirdyBack wrote:
PACEDOG#1 wrote:We all might have to choose btw eating and health insurance
You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.  
Well I suppose you are right and some of us are over 65 and have minimal changes to our health plan and are not mandated. The under 65 group here will at some point on renewal's of their respective employer group will experience changes. Santa Rosa county school has big change's for new year on their group, but they are the one's that call the shots because they are self insured and the insurance company if just administering the group.

Guest


Guest

BirdyBack wrote:
PACEDOG#1 wrote:We all might have to choose btw eating and health insurance
You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.  
Youre making a point that is irrelevant as far as Im concerned.

I suppose you still think ACA is going to provide affordable health insurance for ALL? its not.

and I guess its still ok to ruin the health care system to benefit a few % of the population.

People were sold a lie that somehow you could cut care takers budgets and you would get improved care. LOL

So while people are rejoicing at the fake new access for people it might be wise to think about how it affects the delivery and decisions of those who are trying to administer care with less funds and more regulation.

But hey, on the bright side we might be able to cull the population a little bit more by forcing doctors to be a little bit more frugal with their treatment plans.Wink 

Markle

Markle

ppaca wrote:Not really error's just a twist on a couple of things. They lead the public to believe anyone can get a cat plan, not true and also cat plans are just not for emergency's they all have some doctor visit copays in them.
As you know, there are over 2,000 pages of the ObamaCare law and over 13,000 pages of regulations. So you can't really say what is or is not in the law is that not true?

2seaoat



As you know, there are over 2,000 pages of the ObamaCare law and over 13,000 pages of regulations. So you can't really say what is or is not in the law is that not true?


What?

Guest


Guest

2seaoat wrote:As you know, there are over 2,000 pages of the ObamaCare law and over 13,000 pages of regulations. So you can't really say what is or is not in the law is that not true?


What?
WHAT?

Guest


Guest

Birdyback wrote:

You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.
------

Yes I have health insurance but not with my teaching job. Things are changing. Docs are preempting obamacare with plans like MDVIP that will now require me to come up with 1650 per year extra already on top of my tricare reserve select insurance to keep him retained much like lawyer. I either fork the money over now or go find another doc. So, the docs have to do something in order to continue to practice in a way that lets them have control and not the govt or ins companies.

dumpcare



Your doc must be right around the medical arts building on Davis. I guess you're locked into him because of tricare? Are there a lot of doc's in Pensacola that accept tricare?

Here's something that will piss you off, even though you and I don't agree on much this certainly pissed me off the whole interview.

http://ducknetweb.blogspot.com/2013/10/jon-stewart-talks-to-kathleen-sebelius.html

dumpcare



Chrissy wrote:
2seaoat wrote:As you know, there are over 2,000 pages of the ObamaCare law and over 13,000 pages of regulations. So you can't really say what is or is not in the law is that not true?


What?
WHAT?
What Markle says is dead on. Yep took the 2800 original pages and made rules for each one. lol! lol! lol! lol! 

How stupid was that?

Sal

Sal

ppaca wrote:Your doc must be right around the medical arts building on Davis. I guess you're locked into him because of tricare? Are there a lot of doc's in Pensacola that accept tricare?

Here's something that will piss you off, even though you and I don't agree on much this certainly pissed me off the whole interview.

http://ducknetweb.blogspot.com/2013/10/jon-stewart-talks-to-kathleen-sebelius.html


She certainly wasn't a very effective spokesperson in this interview.

She should have pointed out that the business mandate delay only affects 4% of businesses, and that mandate is extraneous to the program.

The individual mandate, on the other hand, is central to the program, and delaying it would have destroyed the marketplaces and damaged the insurance industry.

dumpcare



Chrissy wrote:
BirdyBack wrote:
PACEDOG#1 wrote:We all might have to choose btw eating and health insurance
You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.  
Youre making a point that is irrelevant as far as Im concerned.

I suppose you still think ACA is going to provide affordable health insurance for ALL? its not.

and I guess its still ok to ruin the health care system to benefit a few % of the population.

People were sold a lie that somehow you could cut care takers budgets and you would get improved care. LOL

So while people are rejoicing at the fake new access for people it might be wise to think about how it affects the delivery and decisions of those who are trying to administer care with less funds and more regulation.  

But hey, on the bright side we might be able to cull the population a little bit more by forcing doctors to be a little bit more frugal with their treatment plans.Wink 
No the opposite, I don't think aca is going to provide affordable health care for everyone and in fact taking the whole population of Pensacola many are not going to be able to afford and since I was acting as a social worker today, more than I thought will fall completely through the cracks (under 100% of FPL). So therefore this whole thing is a sham. If Scott would have expanded Medicaid I am still thinking it's a sham, but at least all the people I told today they cannot get subsidy or medicaid could have least received medicaid and of course at a long term cost to taxpayer's. I have remembered more everyday over the past couple of years of studying this, different scenario's. It is so complicated the govt doesn't understand it. I really don't like being yelled at by everyone I talked as though I designed the damn thing. I got called a lot of names today from one woman who has an 18 year old child after I figured approximate subsidy from Kaiser and then went to plans. Full cost of plan was $162 after subsidy under $100, actually less than the premium today, but because she had a plan on that same child for $76.00 a couple year's ago got pissed at me. Oh well all in a day's work. 6 people I had to tell that they were 100% of FPL and nothing for them.

Guest


Guest

ppaca wrote:
Chrissy wrote:
BirdyBack wrote:
PACEDOG#1 wrote:We all might have to choose btw eating and health insurance
You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.  
Youre making a point that is irrelevant as far as Im concerned.

I suppose you still think ACA is going to provide affordable health insurance for ALL? its not.

and I guess its still ok to ruin the health care system to benefit a few % of the population.

People were sold a lie that somehow you could cut care takers budgets and you would get improved care. LOL

So while people are rejoicing at the fake new access for people it might be wise to think about how it affects the delivery and decisions of those who are trying to administer care with less funds and more regulation.  

But hey, on the bright side we might be able to cull the population a little bit more by forcing doctors to be a little bit more frugal with their treatment plans.Wink 
No the opposite, I don't think aca is going to provide affordable health care for everyone and in fact taking the whole population of Pensacola many are not going to be able to afford and since I was acting as a social worker today, more than I thought will fall completely through the cracks (under 100% of FPL). So therefore this whole thing is a sham. If Scott would have expanded Medicaid I am still thinking it's a sham, but at least all the people I told today they cannot get subsidy or medicaid could have least received medicaid and of course at a long term cost to taxpayer's. I have remembered more everyday over the past couple of years of studying this, different scenario's. It is so complicated the govt doesn't understand it. I really don't like being yelled at by everyone I talked as though I designed the damn thing. I got called a lot of names today from one woman who has an 18 year old child after I figured approximate subsidy from Kaiser and then went to plans. Full cost of plan was $162 after subsidy under $100, actually less than the premium today, but because she had a plan on that same child for $76.00 a couple year's ago got pissed at me. Oh well all in a day's work. 6 people I had to tell that they were 100% of FPL and nothing for them.
You have my sympathies.

I'm on the other end of it. I'm watching cut backs in actual health "care" and my fellow peers loosing jobs while labs lean out further almost to the point of nothing. I've also been watching pay scales drop, lobbying for less education to fill slots etc etc....

And I'm afraid the full brunt of this isnt even felt yet. Going to be lots of unhappy people onall sides of the war.

My best wishes go out to you to hang on, because they want to kill your profession and just render mine nearly obsolete.

dumpcare



Chrissy wrote:
ppaca wrote:
Chrissy wrote:
BirdyBack wrote:
PACEDOG#1 wrote:We all might have to choose btw eating and health insurance
You teach, you have health insurance already. In fact, just about every person on this forum who is griping already has health insurance and will have no changes.  
Youre making a point that is irrelevant as far as Im concerned.

I suppose you still think ACA is going to provide affordable health insurance for ALL? its not.

and I guess its still ok to ruin the health care system to benefit a few % of the population.

People were sold a lie that somehow you could cut care takers budgets and you would get improved care. LOL

So while people are rejoicing at the fake new access for people it might be wise to think about how it affects the delivery and decisions of those who are trying to administer care with less funds and more regulation.  

But hey, on the bright side we might be able to cull the population a little bit more by forcing doctors to be a little bit more frugal with their treatment plans.Wink 
No the opposite, I don't think aca is going to provide affordable health care for everyone and in fact taking the whole population of Pensacola many are not going to be able to afford and since I was acting as a social worker today, more than I thought will fall completely through the cracks (under 100% of FPL). So therefore this whole thing is a sham. If Scott would have expanded Medicaid I am still thinking it's a sham, but at least all the people I told today they cannot get subsidy or medicaid could have least received medicaid and of course at a long term cost to taxpayer's. I have remembered more everyday over the past couple of years of studying this, different scenario's. It is so complicated the govt doesn't understand it. I really don't like being yelled at by everyone I talked as though I designed the damn thing. I got called a lot of names today from one woman who has an 18 year old child after I figured approximate subsidy from Kaiser and then went to plans. Full cost of plan was $162 after subsidy under $100, actually less than the premium today, but because she had a plan on that same child for $76.00 a couple year's ago got pissed at me. Oh well all in a day's work. 6 people I had to tell that they were 100% of FPL and nothing for them.
You have my sympathies.

I'm on the other end of it. I'm watching cut backs in actual health "care" and my fellow peers loosing jobs while labs lean out further almost to the point of nothing. I've also been watching pay scales drop, lobbying for less education to fill slots etc etc....

And I'm afraid the full brunt of this isnt even felt yet. Going to be lots of unhappy people onall sides of the war.

My best wishes go out to you to hang on, because they want to kill your profession and just render mine nearly obsolete.
Thanks you, hang on also.

Yes, if you notice when any of these ass clowns talk they never mention insurance agents or brokers, just navigator's or healthcare.gov
We said early on their intention was to get rid of every insurance agent on the life and health side of the business, but they gave the corporate insurance company's a different story that no we need them. Well the govt sure as hell has a strange way of showing 100,000 plus agent's and broker's that we are wanted. I guess corporate insurance company's don't have the clout they thought they had in D.C.

Guest


Guest

Sibelius was much less than "not very effective"... she was deceptive... to put it nicely.

Markle

Markle

2seaoat wrote:As you know, there are over 2,000 pages of the ObamaCare law and over 13,000 pages of regulations. So you can't really say what is or is not in the law is that not true?


What?
Try to keep up!

Guest


Guest

Markle wrote:
2seaoat wrote:As you know, there are over 2,000 pages of the ObamaCare law and over 13,000 pages of regulations. So you can't really say what is or is not in the law is that not true?


What?
Try to keep up!
Perhaps it would help if you took notes seagoat?

Guest


Guest

wow how affordable is the ACA? Not so much if you work and make average money - Page 2 Th?id=H.4504395401658927&w=211&h=188&c=7&rs=1&pid=1

*****ROFLMAO*****

https://www.youtube.com/watch?v=o-R8gHj_7v8

Very Happy

Markle

Markle

If I were in the health insurance business, I'd be sure I had a backup plan.

Please remember that it was President Barack Hussein Obama himself who LIED to sell this major boondoggle by telling all Progressives and other low information voters that ObamaCare would SAVE each family $2,500.00

How did that work out?



VectorMan

VectorMan

I think one of the worst things about ObamaCare is that it is going to be enforced by the IRS! That's bat-shit crazy! And, scary at the same time!

2seaoat



Nothing scary......if you are responsible and have purchased health insurance you do not pay a tax. If you choose not to be insured......your choice.....you will be taxed. If that simple concept scares you and Mr. Markle........please get night lights. The boogey man is in your closet.

Guest


Guest

2seaoat wrote:Nothing scary......if you are responsible and have purchased health insurance you do not pay a tax. If you choose not to be insured......your choice.....you will be taxed. If that simple concept scares you and Mr. Markle........please get night lights. The boogey man is in your closet.
Your faith is an example to us all comrade..!!

VectorMan

VectorMan

2seaoat wrote:Nothing scary......if you are responsible and have purchased health insurance you do not pay a tax.  If you choose not to be insured......your choice.....you will be taxed.     If that simple concept scares you and Mr. Markle........please get night lights.  The boogey man is in your closet.
How would you like me to have the IRS come down here and crawl up your fuckin' ass with a microscope? 'Cause they'll do it! I've seen them do it! It's not a pretty sight! - Eddie Murphy playing Axel Foley in Beverly Hills Cop

boards of FL

boards of FL

You all should try plugging in the cost of treatment for a broken arm for any age and at any level of health for someone with no health insurance.


"Bankruptcy"


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