Well...I'd rather have insurance than not, if that's what you mean. You don't HAVE to buy health care insurance, you know. Pay the penalty and be done with it.
If you voted for Obama, I'm asking for your help
- Thread starter Herkmeister
- Start date
Well...I'd rather have insurance than not, if that's what you mean. You don't HAVE to buy health care insurance, you know. Pay the penalty and be done with it.
So you are a "me" type person. Good to know.
Is it a penalty or a tax I can't recall what it was "classified" under.
Heres my point, i was in a similar situation; small business with a plan that didnt fit my needs. I decided to go with a plan through our state health co-op. My out of pocket max for a family of 4 is $6,600 with a $2,700 deductible and 20% co-insurance. Shop around.
I don't think he (Romney) would have been bad, but for the issues that interest me the most it was my opinion that Obama/Biden offered a better alternative. Note, I didn't say a "great alternative" just "better" but that's just my opinion. I can appreciate why Romney appealed to many.
Personally, I'd like to see Romney jump into the race and see what shakes out among the GOP.
My contention Is yes people with no insurance were way better off prior to the aca, not being forced to pay a premium for garbage coverage sounds more like freedom
Also people with no insurance prior to the aca would have been much better off by now putting the same money they would have paid into premiums for Obama's crap coverage- into a savings account then they could pay cash for services and be sure the bills are paid,under obamacare they might not get paid and service provider comes after them with collection agency- thanks obama
no idea, im in illinois, land of lincoln health. i believe all states have a similar co-op.
I have seen far too many patients who would disagree with you.
Ciggy what an idiotic, factless post. With ACA the premiums and deductibles are so high and the networks so narrow, he probably did pick out the best one. In your response you are following the example "dear leader" is showing.
How do you know that you will be paying full price for the surgery. Under marketplace plans in my experience most procedures are covered before the deductible. Honestly we had a low deductible plan through the marketplace in 2014, had a child under that plan and never hit the deductible. Of the $10,000 hospital bill for labor, delivery, and 2 days stay afterwards we paid like $600.
For the record it is your own fault you bought a high deductible plan. Low deductible plans are available on the marketplace. No one made you select that plan.
Is the Hospital in your coverage network? Did you only select a catastrophic plan?
How would the hospital know what your insurance would pay. Do they work for the insurance company as well?
I would not trust their word.
My plan on the marketplace thanks to the ACA covers all primary care doctor's visits, my wife see's the OBGYN for her pregnancy for free.
And if you have to pay full price for this I would only remind you that you have now learned and experienced a little bit of what it was like for the millions of Americans who where hung out to dry with no health insurance before the ACA. Remember those people that the Republicans kept saying that they didn't really have it that bad?
And if all of that is the case, next time I would select a better plan.
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No. They were not.
You're a complete fool on this topic, spreading nonsensical disinformation and garbage rhetoric. It is not helpful to people on here who are actually trying to address their problems. Spare us your bullshit and post somewhere else if that's all you can spew out.
I am only a thirty year licensed agent,thats all, got first recruited to sell health ins in 1986
Sorry you suck and got fired from selling insurance. Don't blame that on the government. If I remember correctly you were unemployed well before the ACA came along. The government is just better at your job than you are. It's really not surprising to anyone buy you.
If you have a computer to post on HROT, why in the hell would you try to 'find another plan' by calling a state co-op, instead of just going to their website to find that information?
Go to Iowa's website and sign up/shop around. You can look thru all of the co op plans, find out if you qualify for a subsidized plan, and if none of those plans meet your needs, then make a list of all the insurers offering insurance thru Iowa's site, based on your location.
Then, go visit each of their websites separately and peruse ALL of the plans they offer, ACA subsidized and not subsidized (they all show on their sites which plans are linked to the ACA and can be purchased thru the state or federal clearinghouse).
If you want a co-pay based plan, make a spreadsheet and add up the cost of hte premiums, estimated # of physician visits and how many copays you'll end up with (most ongoing care only makes one copay for a health 'event', but certain followup care does require separate copays). Compare that to a higher deductible plan and see how much different they are in premiums + copays. A 'regular' physician visit runs $100-150 and a specialist may run $150-250. When you have a high deductible plan, that is what you pay - the negotiated rate. Note that, for major operations, it is fairly likely that even on a copay Gold or Platinum plan, you will very likely end up paying the full out-of-pocket max expenses, so consider that and the differences in premiums for the year in deciding on a plan.
Almost all plans & insurers allow you to enter in your physician names (all of them, if you see specialists), so you can limit what you are comparing to only plans where your physicians are 'in network'.
You still have about 1 month to do this for coverage starting Jan 1 (sign up by 12/15, and pay your first premium by 1/1). If you go past that, your coverage would not start until February, but you'd need to sign up by Jan15.
If you don't have insurance, you'd pay what a clinic actually bills, which would run more like $250-400 for most places. Many of the lab tests are charged at $100-500, but insurance carrier negotiated rates can often be a fraction of that, as little as $10-12. MANY of their charges are not recognized by insurers, so you pay NOTHING - your deductible payouts are ONLY for charges the insurer would pay based on their negotiated cost structure.
No fred i quit selling health in 1989 never been fired. I did switch to life ins on my own,i even got.my p and c still not fired although close to it
Joe's pl: all that talk about deductibles and platinum plans means nothing if there's no coverage there after deductible is paid. Death panels, nazi coverage analysis boards,whatever,the policies suck now
Oh Pat. I guess the one thing you can hang your hat on is that you were a much better insurance salesman than you were as a courier delivery person. I know if I ever need life insurance my first phone call will be to PQ Insurance Agency.
A little BMX, a little touching by Walter Day, some drugs, move to TX, become a courier, lose business, sell insurance, become unemployed, start PQ Insurance Agency, and now present day.
I don't need you tell me your story. I pretty much have it all figured out.
Anyway, the aca was invented to cover you gteat if you are a young mom in need of birth control and or abortions, but middle aged white guy stuff-not so much
Yes fred and it was 2006 and i re opened it in 2014 and that is what my 50000 post was about but I started a new thread because apparently hi-jacking is a no-no but you always seem to get away with somehow
Bullshit. Aetna, UHC and all the others still have similar, and many identical, plans to pre-ACA.
The only way you have 'no coverage' after your deductible is if you are signing up for a non-conforming/illegal plan.
You are a freaking idiot, and it is simply not helpful or constructive to those here trying to navigate their insurance options. If you cannot add something productive, post in your own threads.
I have Aetna group plan {Aetna and humana merged} and I'm telling you for a fact my doctor was griping about the coverage the other day and yes, the group plans do suddenly become like the aca plans for individuals, and yes, the plans are all crap since the aca. and it's funny you should bring up "illegal". the only thing I see being done illegal is Obama selling insurance without a license in Texas, if I tried that I would be fined and maybe lose my license.
UnitedHealth is nothing more and nothing less than Obama/goldman sachs joint venture, a takeover like the takeover of gm. I would never put my trust in Obama and goldman sachs to cover my health problems, I really don't like what they have done with GM.
How close are you to a university hospital? Not necessarily Iowa (don't know where you live), but there are advantages. Don't hesitate to "shop around" per se.Also, really look closely at that policy to make sure that out of pocket is correct.
If you don't have plans for the next 9 years would you mind running for President?
I know you mean that in kindness and thank you. I am educated. I have vast experience in business. And I've been called upon by the U.S. government to participate on health care panels. This bill, in my not so humble opinion, is one of the greatest travesties in our countries history. The consequences have yet to be seen. I hope I don't live to see it. Ottumwan in Texas hit it on the head. Obama/Sachs. Just amazing how Obama can tell lies pathologically and liberals find ways to justify what he say.
If your employer offers a qualified plan, then you can't get a subsidy on the exchanges.
That's today's Human Resources Fun Fact.
That's today's Human Resources Fun Fact.
that's awesome. I would love to but I'm sure in the vetting process something might come up, who knows, they would herman cain me
oh yeah I did but it was years ago, I was thinking more along the lines of, "he is a fan of alex jones, he lives in Austin tx, he's a big ron paul guy, he thinks the feds are out to get everybody, he has seen ufos and jesus, or some spirit that looked like jesus....or something that looked like a ufo in the Hudson valley of ny...he attends church at pastor hagee's cornerstone every now and then, maybe 4 times a year.... he really is quite boring most of the time but he likes to dabble in the strange for fun....he's from Ottumwa for goodness sakes, that right there ought to tell you something!"
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