Something very simple that everyone needs to understand about the term "obamacare".

ppaca wrote:No doubt, obamacare has killed the business.

If it's any consolation,  Play Station and X-Box killed the arcade machine business too.
And MP3 players in everybody's ears killed the jukebox business as well.  The pinball business just died of old age.   lol

I used to sell long term care and annuities and got away from it a few years back, now slowly working my way back in. Some rules have changed and the landscape, just need to study. But I did get one the other day.

Aren't you getting close to retirement by now? Or are you one of those workaholics who never retire?

Bob wrote:Aren't you getting close to retirement by now?  Or are you one of those workaholics who never retire?

I can never retire, no I am not a workaholic. Be 66 the day before you turn 65.

I've gotta sign off. But I enjoyed the chat session.

yep i have things to do. Talk later.

ppaca wrote:No doubt, obamacare has killed the business. They wanted to get rid of agents and that is what is happening. Next will be property and casualty agents. They won't be satisfied until you are buying all your insurance online through the marketplace.

Aetna already thinking about leaving the exchanges.

If Aetna leaves the exchange, ObamaCare is toast. As it should be.

I doubt it very seriously, they have been a very small player in the exchanges in just a handful of states.

Dreamsglore wrote:

ppaca wrote:

Dreamsglore wrote:

Bob wrote:By the way,  the healthcare.gov rep I talked to asked me if I have the silver plan.

Why?  Because as I understand it the low deductible and cost sharing may only be good until July 1 at which time the copays for doctors go up to $65 for a primary doctor and $100 for specialists and the drug co pays are going up by $20 for each.
Something about the silver plan cost sharing falls under sequester.

But by then I will be long gone from obamacare.

The healthcare rep told you that? Why doesn't PPCCA know that?

Because he bought the platinum, I showed him all the plans and he chose the best. He had no deductible at all.

So are the plans going up July1?

Of course. You still haven't caught on to the fact that the administration and their lead spokesman President Barack Hussein Obama knowingly LIED about every part of the boondoggle.

Young, healthy people are not signing up, low income, going straight to Medicaid, then the sick and those in poor health are signing up. None of which will help pay the toll for this massive failure.

The insurance companies will need a massive bailout and rates will have to drastically increase. Then again, Aetna is talking about dropping out of the exchanges to save their company which would cause ObamaCare to crash right there.

 --All this is just crazy to me , I don't even know what to do at this point --If they did put my info--on the site where you sign up ... How would you know   

Markle wrote:

Dreamsglore wrote:

ppaca wrote:

Dreamsglore wrote:

Bob wrote:By the way,  the healthcare.gov rep I talked to asked me if I have the silver plan.

Why?  Because as I understand it the low deductible and cost sharing may only be good until July 1 at which time the copays for doctors go up to $65 for a primary doctor and $100 for specialists and the drug co pays are going up by $20 for each.
Something about the silver plan cost sharing falls under sequester.

But by then I will be long gone from obamacare.

The healthcare rep told you that? Why doesn't PPCCA know that?

Because he bought the platinum, I showed him all the plans and he chose the best. He had no deductible at all.

So are the plans going up July1?

Of course.  You still haven't caught on to the fact that the administration and their lead spokesman President Barack Hussein Obama knowingly LIED about every part of the boondoggle.

Young, healthy people are not signing up, low income, going straight to Medicaid, then the sick and those in poor health are signing up.  None of which will help pay the toll for this massive failure.

The insurance companies will need a massive bailout and rates will have to drastically increase.  Then again, Aetna is talking about dropping out of the exchanges to save their company which would cause ObamaCare to crash right there.

It has been set up all along for bailouts (risk corridor) in the law.

Aetna is a fly on a dog turd in this just like UHC. Doesn't matter whether they're in or out of exchange. In the past 10 years Aetna has gone in and out of markets for individual and group at their leisure as well as UHC. UHC has always made their money in the group and over 65 market. Yes, the number's on young and healthy are lagging.

Here is a thought for you: The national Blue Cross and Blue Shield association does sell a plan in certain markets and then there are the state BCBS's, everyone of them in the exchanges across the nation (fed and state exchange), so what if the back room deal was: When this fails and a single payer evolves that the only player is BCBS? Just a thought.

cool1 wrote: --All this is just crazy to me , I don't even know what to do at this point --If they did put my info--on the site where you sign up ... How would you know   

If they asked for your email and they put it on the subsidy application you would have received notice from healthcare.gov on your subsidy eligibility.

Did you give your's and your daughter's social? If not wouldn't even worry about this whole thing.

How did they get your name and phone number?

We do not call people out of the blue, only if they have inquired on the internet ,sent a reply card to insurance company requesting information or if they have called in and we are calling them back.

Of course I have called people who supposedly inquired on the internet but had signed up for information for something else and that company sold their name and phone number to an insurance company.

ppaca wrote:

cool1 wrote:I received a call the other day the guy said he was from-ACA----I don't have ins--I told him the State of Florida was going to drop my daughter in June when she turns 18, He asked me a few questions -I told him husband is covered with VA,  So he first did my age and came back with a premium of $4So I told him about my daughter and he then said you pay nothing -WWHHHAATTT!!!  So he handed the information over to another person under ACA.  The man said he had me under flagler something like that -Blue cross blu shield -free Doc--Ok then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA  Ins--and doc--visit will cost you $20.

Ok then this Lady calls and says shes following up --OK I said so she started verifying what was said before then all of a sudden she said shit --I said whats wrong she said the Site went down ,   --So I asked her are you on that Obama web page everyone is talking about -She said yea-then she said Im sorry its late and will you be home in the morning around 9:30-Yes I said -then she said I will call you in the morning -next day I didn't hear from anyone ---yet------------  -----------  ----Ok I heard they want to put us on AETNA ins.--something like that , But on the news I think they said AETNA was pulling out of it --WTH--I don't understand at all , meanwhile im going to keep the ins my daughter has until I understand what the heck is going on ---So have yall heard or understand what Aetna is up to or understand any of this----  

How did these people get your name and phone number? Did you go on the internet?

No one calls you selling insurance from ACA, no such insurance company.

ACA = Affordable Care Act

Daughter on Medicaid or Health Kids?

Aetna, Coventry and Blue Cross only three company's selling on exchange in Escambia county.

No possible way they could have told you an exact amount of subsidy unless you completed a subsidy application in which they would have had to take you through healthcare.gov and you electronically sign the application. That is you sign it not the agent.

You are being scammed. Get names and report them to OIR 1 800 342-2762

I hope you will call the number ppaca suggested, Cool. I strongly suspected you were being scammed, and ppaca's post above confirms my suspicions.

The only exception would be if you provided your name and telephone number to an insurance company online for a quote. Even then, no reputable insurance company will represent itself as "from the ACA." Is it possible the person said he or she was calling ABOUT the ACA? That would make a big difference, if indeed you did contact an insurance company online.

Did they give you a call-back number? If so, call and find out who they are. You may even want to notify the sheriff's department, depending on what you find.

I cannot stand to see anyone scammed. It happened to my mother once (that I know of.)

As Dreams wrote, you can try the healthcare.gov site yourself, since it works now. Good luck!   

PBulldog2 wrote:

ppaca wrote:

cool1 wrote:I received a call the other day the guy said he was from-ACA----I don't have ins--I told him the State of Florida was going to drop my daughter in June when she turns 18, He asked me a few questions -I told him husband is covered with VA,  So he first did my age and came back with a premium of $4So I told him about my daughter and he then said you pay nothing -WWHHHAATTT!!!  So he handed the information over to another person under ACA.  The man said he had me under flagler something like that -Blue cross blu shield -free Doc--Ok then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA  Ins--and doc--visit will cost you $20.

Ok then this Lady calls and says shes following up --OK I said so she started verifying what was said before then all of a sudden she said shit --I said whats wrong she said the Site went down ,   --So I asked her are you on that Obama web page everyone is talking about -She said yea-then she said Im sorry its late and will you be home in the morning around 9:30-Yes I said -then she said I will call you in the morning -next day I didn't hear from anyone ---yet------------  -----------  ----Ok I heard they want to put us on AETNA ins.--something like that , But on the news I think they said AETNA was pulling out of it --WTH--I don't understand at all , meanwhile im going to keep the ins my daughter has until I understand what the heck is going on ---So have yall heard or understand what Aetna is up to or understand any of this----  

How did these people get your name and phone number? Did you go on the internet?

No one calls you selling insurance from ACA, no such insurance company.

ACA = Affordable Care Act

Daughter on Medicaid or Health Kids?

Aetna, Coventry and Blue Cross only three company's selling on exchange in Escambia county.

No possible way they could have told you an exact amount of subsidy unless you completed a subsidy application in which they would have had to take you through healthcare.gov and you electronically sign the application. That is you sign it not the agent.

You are being scammed. Get names and report them to OIR 1 800 342-2762

I hope you will call the number ppaca suggested, Cool. I strongly suspected you were being scammed, and ppaca's post above confirms my suspicions.

The only exception would be if you provided your name and telephone number to an insurance company online for a quote. Even then, no reputable insurance company will represent itself as "from the ACA." Is it possible the person said he or she was calling ABOUT the ACA? That would make a big difference, if indeed you did contact an insurance company online.

Did they give you a call-back number? If so, call and find out who they   are. You may even want to notify the sheriff's department, depending on what you find.

I cannot stand to see anyone scammed. It happened to my mother once (that I know of.)

As Dreams wrote, you can try the healthcare.gov site yourself, since it works now. Good luck!   

I will let you know what becomes of this crap when I figure it out .   

Seems like Aetna CEO has been smoking some crack or is related to Sybil:

This posted this morning

It seems that the Aetna CEO might be suffering from a similar affliction as that Toronto Mayor, Rob Ford.

Mark Bertolini said 3 days ago that he might remove AETNA from the Exchanges. Today, he says that the company is bullish on Healthcare Reform and plans to increase it's advertising budget 500% to bring in new customers.

Excerpt:
""As more consumers begin to shop for their own health insurance via private and government-run exchanges, Mr. Bertolini said insurers will have little choice but to raise their budgets significantly to reach them. He said that he hoped to increase Aetna's marketing spend by five times in the years ahead.
"We want to get the cost structure to where we can spend significantly more on consumer advertising, advertising is the game.""

Ref: Aetna CEO Predicts Surge in Marketing Spending Among Health Insurers - WSJ.com

If he's going to increase AETNA sales in our state, he'll need to increase the commission payout. For that matter, if any CEO wants to increase sales, simply provide additional incentives to agents. It's a no-brainer strategy that's worked well for many decades, across every industry.


Aetna-Coventry is in 10 state exchanges. Is that enough for them to stay on the government's good side? And, can a bad experience in 10 states do much damage to the success they're experiencing in Groups, Medicare, etc.?

After Bertolini took over, that's when they cut our commissions to an unheard-of low of 4% back in 2010. They advertised..didn't work. In 2013, commission was increased back to 10%. Advertising didn't generate the sales then, but he thinks it will work now? Yeah..right. Aetna premium here is sky high.
ac

UPDATE ::   I was so scared after I got those calls by Sunday a nervious wreck so this is what I did I went to Health exchange site and hit chat and told them about the 2 calls I received , They said they don't call people so I panicked more -- then I told them how do I know if someone tried to call and sign me up , Then she said call our number because we cant talk about it on chat --they said open 24-7 so I then turned right around and called the exchange myself --so she said this whoever called you said they were from ACA  I told her yes --she said that is a law its not the exchange !!!   

So then I told her look im freaking out over here check and see if they signed me up or im going to think this was a scam--so she checked sure enough they started the Application for me she said but it says unfinished application--I told her the lady on the phone said the computer site went down--she said no one should call you at home but yes the application has been started --after I talked to her she said this app--has many glitches ---So I told her HELP ME PLEASE!!!!!    

So she signed me up fixed all the glitches--they put my birthday wrong and some other stuff --So we went through the app on the phone -this is what she said ---VA  money does count as income--daughter was kicked back to Kidcare -which she has now !!! Husband goes to VA -DOC ,  So as usual I was the only one getting left out of insurance all these years---So I qualify for them paying $316 a month --she said I would pay $25 a month for Bronze plan - pay 20 bucks to see doc---now if I end up in hospital --6,500 deductible and if im thinking right I would have to come up with that money before they would pay the bill      I don't have that kind of money laying around   
So I don't know about the other plans cant get much help there and im a lil confused!!!!!  looks like id be fine as long as I didn't go to hospital but sometimes you have to    So maybe the silver plan ?  At this point I don't know how to choose the plan.

Meanwhile they said I have to send W-2 form copy to Department and human Health service in Kentucky after that they said they would call me   ---  --Hee hee so I said and how will I know its you calling me so I don't screw up again -she said we will say we are from the health exchange   --then when you call can I ask you do you know my application number so I know its you --she said yes you can I said fine ok.

So All of you were right !!!! they wernt suppose to call me and they did she and I don't know who--  ---she said though they wouldn't have been able to help me actually purchase a thing -something about online signature !! She asked me about 3 times to swear to stuff and I did -LOL  

So now I feel better somewhat !!!  So I have to send W2 in and by the time they call I have to know what plan I want ???????  she said I already qualify I need proof of income that's all --In my mind somewhere im thinking ---I will have to go through more than that I don't know why I feel that way   

And if anyone else calls me and they don't know my app--number Im going to hang up right  then 

But I learned if you call exchange they will walk you through -sign you up--without you even having to go on computer yourself---  

Let me tell you something else --I received a new debit card in the mail-my bank said my card was used at Target   I knew I shopped there along that time but I didn't think they got my info but I guess they did , Im going today to the bank and get new card for my husband -I heard on the news and paper a few other places are having trouble no--so im thinking now go to bank pull out money and pay cash for everything ----  ---dangit and I liked using my debit card for everything   

VA disability benefits are not taxable, therefore they do not count that income, here is an excerpt from a CMS (marketplace) put out before this started to show what income you do not claim:


Other: If you have other types of income, you should still list it in your application. You don’t need to tell us about child support, veteran’s payments, or Supplemental Security Income (SSI). Some income types aren’t taxable, and whether or not you get them won’t affect eligibility for help paying for health insurance. Here are some other types of income you don’t need to tell us about:
o Workers’ compensation or other damage awards for physical injury or sickness
o Gifts, inheritances, and loans
o Public assistance benefits from programs like TANF, SNAP, and WIC

ppaca wrote:VA disability benefits are not taxable, therefore they do not count that income, here is an excerpt from a CMS (marketplace) put out before this started to show what income you do not claim:


Other: If you have other types of income, you should still list it in your application. You don’t need to tell us about child support, veteran’s payments, or Supplemental Security Income (SSI). Some income types aren’t taxable, and whether or not you get them won’t affect eligibility for help paying for health insurance. Here are some other types of income you don’t need to tell us about:
o Workers’ compensation or other damage awards for physical injury or sickness
o Gifts, inheritances, and loans
o Public assistance benefits from programs like TANF, SNAP, and WIC

OK they wanted to know info on VA--how much a month but they told me to just send W2 for job----I don't know if they counted it or not probably not but they documented it --mmm I don't know why she wanted to know.-  

I remember asking her about VA-income and she said they did count that in---mmmmm I remember her saying that cause I gave my husband a odd look after that mmmmmmmmm  

You only report income that is on your 1040 and file taxes on, it was none of their business and no where on the application does it ask for it. There is only one reason they would ask you to send w-2's and that is to verify something that did not jive with your 2012 tax return.

cool1 wrote:UPDATE ::   I was so scared after I got those calls by Sunday a nervious wreck so this is what I did I went to Health exchange site and hit chat and told them about the 2 calls I received , They said they don't call people so I panicked more -- then I told them how do I know if someone tried to call and sign me up , Then she said call our number because we cant talk about it on chat --they said open 24-7 so I then turned right around and called the exchange myself --so she said this whoever called you said they were from ACA  I told her yes --she said that is a law its not the exchange !!!   

So then I told her look im freaking out over here check and see if they signed me up or im going to think this was a scam--so she checked sure enough they started the Application for me she said but it says unfinished application--I told her the lady on the phone said the computer site went down--she said no one should call you at home but yes the application has been started --after I talked to her she said this app--has many glitches ---So I told her HELP ME PLEASE!!!!!    

So she signed me up fixed all the glitches--they put my birthday wrong and some other stuff --So we went through the app on the phone -this is what she said ---VA  money does count as income--daughter was kicked back to Kidcare -which she has now !!! Husband goes to VA -DOC ,  So as usual I was the only one getting left out of insurance all these years---So I qualify for them paying $316 a month --she said I would pay $25 a month for Bronze plan - pay 20 bucks to see doc---now if I end up in hospital --6,500 deductible and if im thinking right I would have to come up with that money before they would pay the bill      I don't have that kind of money laying around   
So I don't know about the other plans cant get much help there and im a lil confused!!!!!  looks like id be fine as long as I didn't go to hospital but sometimes you have to    So maybe the silver plan ?  At this point I don't know how to choose the plan.

Meanwhile they said I have to send W-2 form copy to Department and human Health service in Kentucky after that they said they would call me   ---  --Hee hee so I said and how will I know its you calling me so I don't screw up again -she said we will say we are from the health exchange   --then when you call can I ask you do you know my application number so I know its you --she said yes you can I said fine ok.

So All of you were right !!!! they wernt suppose to call me and they did she and I don't know who--  ---she said though they wouldn't have been able to help me  actually purchase a thing -something about online signature !! She asked me about 3 times to swear to stuff and I did -LOL  

So now I feel better somewhat !!!  So I have to send W2 in and by the time they call I have to know what plan I want ???????  she said I already qualify I need proof of income that's all --In my mind somewhere im thinking ---I will have to go through more than that I don't know why I feel that way   

And if anyone else calls me and they don't know my app--number Im going to hang up right  then 

Look at the other plans on the exchange w/ lower out of pocket costs. You'll have to pay a higher monthly payment but it may be worth it. I have a $500 deductible and $5 Dr. visit copay.

ppaca wrote:You only report income that is on your 1040 and file taxes on, it was none of their business and no where on the application does it ask for it. There is only one reason they would ask you to send w-2's and that is to verify something that did not jive with your 2012 tax return.

Well its like this she asked me where does husband work I told her company name but I said Landrum makes the checks out . she didn't understand -I didn't know how to explain some companies go through Landrum to write checks out for there employees   

next thing I know she wanted proof of income--off w-2

Dreamsglore wrote:

cool1 wrote:UPDATE ::   I was so scared after I got those calls by Sunday a nervious wreck so this is what I did I went to Health exchange site and hit chat and told them about the 2 calls I received , They said they don't call people so I panicked more -- then I told them how do I know if someone tried to call and sign me up , Then she said call our number because we cant talk about it on chat --they said open 24-7 so I then turned right around and called the exchange myself --so she said this whoever called you said they were from ACA  I told her yes --she said that is a law its not the exchange !!!   

So then I told her look im freaking out over here check and see if they signed me up or im going to think this was a scam--so she checked sure enough they started the Application for me she said but it says unfinished application--I told her the lady on the phone said the computer site went down--she said no one should call you at home but yes the application has been started --after I talked to her she said this app--has many glitches ---So I told her HELP ME PLEASE!!!!!    

So she signed me up fixed all the glitches--they put my birthday wrong and some other stuff --So we went through the app on the phone -this is what she said ---VA  money does count as income--daughter was kicked back to Kidcare -which she has now !!! Husband goes to VA -DOC ,  So as usual I was the only one getting left out of insurance all these years---So I qualify for them paying $316 a month --she said I would pay $25 a month for Bronze plan - pay 20 bucks to see doc---now if I end up in hospital --6,500 deductible and if im thinking right I would have to come up with that money before they would pay the bill      I don't have that kind of money laying around   
So I don't know about the other plans cant get much help there and im a lil confused!!!!!  looks like id be fine as long as I didn't go to hospital but sometimes you have to    So maybe the silver plan ?  At this point I don't know how to choose the plan.

Meanwhile they said I have to send W-2 form copy to Department and human Health service in Kentucky after that they said they would call me   ---  --Hee hee so I said and how will I know its you calling me so I don't screw up again -she said we will say we are from the health exchange   --then when you call can I ask you do you know my application number so I know its you --she said yes you can I said fine ok.

So All of you were right !!!! they wernt suppose to call me and they did she and I don't know who--  ---she said though they wouldn't have been able to help me  actually purchase a thing -something about online signature !! She asked me about 3 times to swear to stuff and I did -LOL  

So now I feel better somewhat !!!  So I have to send W2 in and by the time they call I have to know what plan I want ???????  she said I already qualify I need proof of income that's all --In my mind somewhere im thinking ---I will have to go through more than that I don't know why I feel that way   

And if anyone else calls me and they don't know my app--number Im going to hang up right  then 

Look at the other plans on the exchange w/ lower out of pocket costs. You'll have to pay a higher monthly payment but it may be worth it. I have a $500 deductible and $5 Dr. visit copay.

That is what im thinking do you have silver plan or what --that is good what you have