Serious question...Is that really the best policy you can get?
This. That's on you, brah.
Serious question...Is that really the best policy you can get?
Ummm, no. Look up what the acronym MSTP means. The U of Iowa offers quite good employee benefits.
Yes. About 15% clinical, the rest is research, teaching, mentoring, the associated committee/faculty meetings.I believe he is a professor (or works at the U of I).
Oh yeah a "scientist".Ummm, no. Look up what the acronym MSTP means. The U of Iowa offers quite good employee benefits.
Yes. About 15% clinical, the rest is research, teaching, mentoring, the associated committee/faculty meetings.
I will say, I do feel bad for those who have poor health insurance policies and understand how the changes made with the ACA have made things more difficult for some. That being said, there are a lot of people now who have insurance who had none before, or who have a condition that is now covered that wasn't before.
All partisan jousting aside, the one thing I would seriously look into is 'price-matching'. Shop around a bit (if that's an option for you). Also, do not hesitate to go to the business office and set up payment plans. I can almost guarantee you no matter the hospital they are more than willing to work with you on something reasonably affordable.
Oh, I don't think it's simply 'implied.'The interesting thing with you is the implied arrogance and lack of compassion for others. It’s people like you who buy into the bullsh%t spewed by people like Obama and Hillary and make the rest of us pay. Your day will come.
Sorry you were too dumb to figure out which policy would best fit your needs.
Thank your employer......Obama did NOT write the policy.It's an employer plan. And I work in a small business.
Thank your employer......Obama did NOT write the policy.
It's an employer plan. And I work in a small business.
Perhaps.....but he didn't write the insurance policy! I will guarantee you there are insurance policies out there that are more friendly to the posters situation than the one his employer chose. THAT is my point. It's not like the employer doesn't have options as to what he chooses for his employees.He signed it into law, dude.
Perhaps.....but he didn't write the insurance policy! I will guarantee you there are insurance policies out there that are more friendly to the posters situation than the one his employer chose. THAT is my point. It's not like the employer doesn't have options as to what he chooses for his employees.
Did he write the policy, though?He signed it into law, dude.
A lot of people now have good health insurance who did not before. Is it 100% successful? Of course not, and it certainly can be refined. However, seeing people who now have coverage for conditions previously not covered, being able to have medications and treatments they would forego in order to pay the rent, it's those individual success stories I hear time and time again that make me believe the law is a worthwhile law.What did you think was going to happen? I guarantee you that Obama knew what was going to happen, but he had to pay off those campaign contributions somehow.
I will be paying $12,600 for my insurance DEDUCTIBLE & Copay next year!!!! I have surgery scheduled in 2016 and my out of pocket will be $12,600. My out of pocket used to be $4,000 and my premium was much lower.
You dumb asses who voted for this narcissistic socialist can now sit proudly. Your know it all liberals voted for the ACA to find out "what was in it". Well now I know. Do you?
I know you're all compassionate people. Perhaps you could send me a donation to assist with my obligations. I could really use the help.
And now your option is Hillary? You liberals are NUTS!!!!! F%CKING NUTS!!!!!!!!!!!!
A lot of people now have good health insurance who did not before. Is it 100% successful? Of course not, and it certainly can be refined. However, seeing people who now have coverage for conditions previously not covered, being able to have medications and treatments they would forego in order to pay the rent, it's those individual success stories I hear time and time again that make me believe the law is a worthwhile law.
Umm....you still have another month to sign up for a different policy.....
Your insurance coverage has changed since the aca. I was at the doctor tje other day abd they confirmed it: since the aca insurance will not cover stuff, bottom line, they are frustrated at my dr
Is that pic really you?
You're right voting for an American war hero or a paragon of American business would have been way worse.
Yeah, dude. Go pay $500 a month for a plan with no copays and a $20k deductible. Why not?
If you are talking 'individual' plans, most Gold plans are the $500/month on up level, and they have maximum payout costs of $1500 to $2500. But you are paying $6000/year in premiums.
That is why the high deductible plans make sense for lots of people, because paying $300/month, or less than $4000/year is a better option with the high deductible, because most will only pay a few hundred more for visits and typical care. You'd have to pay out $2000 just to match what the premiums cost on the Gold plans, and $4000-4500 to hit the maximum payout.
In all, a Gold plan where you are paying $6000 in premiums and $2500 in max payout will cost you $8500 out of pocket (plus other fees that may not be covered); the high deductible plan will cost you <$4000 in premiums plus the typical $6000 deductible, or only about $1500 more.
EITHER plan, if you 'max out' is going to cost you >$8000 for the year, perhaps closer to $10,000.
This whole thread just sounds like the OP is either too lazy, or too financially incompetent to look through all the available plan options to find one that will save him money.
I know what the plans are like, dude. I've been on the site the last two years.
I know what the plans are like, dude. I've been on the site the last two years.
Then quit spouting BS numbers that don't even match up with the actual offerings.
You can get the low level plans for <$300/month. Gold or Platinum will provide max OOP of $1500-2000, with office visit copays that can eat another $200-500 from you if you have a major health issue, and will cost $500-700/month in premiums, or DOUBLE what the low level plans cost in premiums.
Co-pays sound like a 'deal', but they often are not. A $40 copay can often be 1/3 or more what the office visit would have cost you OOP. The insurers have negotiated rates that are generally $100-200 for a typical visit or specialist.
The alternatives were McCain/Palin in 2008 and Romney/Ryan in 2012.
'Nuff said.
They aren't BS. Just because you're in love with your boy selling us out to the insurance companies doesn't mean we all are.
Government. Listen, you might be surprised that I've been on a number of boards. Even been part of a meeting where I sat at the table with Hillary Clinton. Not letting the free market work is the problem. Your liberal friends continue to believe that a government which fails to hold its staff accountable can better serve people than capitalism. You get capitalism in medicine with "proper" controls, and you'd see costs plummet.
Thank you for making another argument for the "public option" that was soundly opposed by those who opposed ACA in the first place. It is a given that a "public option" would have been a virtual guarantee to the successful implementation of ACA. The GOP would have none of this.The plans are all ridiculously overpriced. That's why the only people signing up are the people who have preexisting conditions.
Yes - robbed Peter to pay Paul mantra.
The other alternative you left out was to leave what we had alone. Then work on a plan for those that need insurance. Obama and the Dems doubled down on screwing the general populace and the Left grins... if you like his style of ruling, by all means move to EU and enjoy.
As I said - a plan would need to be developed for those that didn't have coverage.What plan would work for those that need insurance? If the government subsidized coverage for those without workplace insurance, a significant number of businesses would just drop coverage and let the government pay for it. We therefore have the employer mandate. If you have the pre existing condition coverage provision without the individual mandate, you have people who put off coverage until they are sick, thereby breaking the system.
And you are okay with the "Robin Hood" mentality?That's how insurance works, you know.
Talk to your Dr's and do everything you can to have that thing scheduled this year. Yes, the ACA is terrible for productive members of society, but at the same time, it's providing something to those who didn't have it previously.I will be paying $12,600 for my insurance DEDUCTIBLE & Copay next year!!!! I have surgery scheduled in 2016 and my out of pocket will be $12,600. My out of pocket used to be $4,000 and my premium was much lower.
You dumb asses who voted for this narcissistic socialist can now sit proudly. Your know it all liberals voted for the ACA to find out "what was in it". Well now I know. Do you?
I know you're all compassionate people. Perhaps you could send me a donation to assist with my obligations. I could really use the help.
And now your option is Hillary? You liberals are NUTS!!!!! F%CKING NUTS!!!!!!!!!!!!