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Health care reform....

Discussion in 'Too Hot for Swamp Gas' started by TheGator, Aug 9, 2013.

  1. TheGator
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    TheGator Premium Member

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    I have tried to stay away from politics. However, after having the same insurance company for over 10 years, my health insurance premiums jumped by over 30%.

    I called my company, and they said it is because of health care reform that the insurance company has no other choice.

    Furthermore, this is the last year I am able to have a $250 deductible. My insurance policy will no longer be available after this year, and I would be forced to get a health care reform compliant policy.

    My deductible NEXT year will increase to over $2000. The good news, is I will be able to get as many colonoscopys as I want under the new plan.

    I guess the Americans that can afford health insurance are taking it in the ass for the rest of the country that cannot afford health insurance.....
  2. ThePlayer
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    ThePlayer VIP Member

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    Welcome to the Socialist Society of Sovereign States.

    From each according to their ability to pay to all willing to take their money.
  3. surfn1080
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    surfn1080 Well-Known Member

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    Well welcome to the debate. The good news is our elected politicians have their own plans so they are safe.....
  4. gatordowneast
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    gatordowneast Well-Known Member

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    TheGator, the regime thanks you for your ability to pay but wishes you would keep quiet about your cost increase.....shhhhhhhhhhhh.

    Now, next they will work on your food, gas, electric, housing costs as those need to be higher to offset those who need lower costs on the above....but keep quiet when this happens. Don't screw up the story line. Shhhhhhhh. If the media can keep this on the down low, you can to.
  5. g8orbill
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    g8orbill Gators VIP Member

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    but 108 and row love obamacare-and say it is the greatest thing since sliced bread
  6. gatordowneast
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    gatordowneast Well-Known Member

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    likely because they will have no cost increase. Could they be getting their's for free regardless?

    It is no different than tax increases....if it doesn't affect me...screw the other guy (not realizing that it will ultimately affect them too). It is the lefty, libbie mantra..."what is right for thee is not for me."
  7. g8orbill
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    g8orbill Gators VIP Member

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    well 108 is as close to being a socialist as there is on toohot-so him getting it for free would hardly surprise me
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  8. dadx4
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    dadx4 Well-Known Member

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    You can also get pregnant as much as you want as well. Have about 10 babies, go on welfare/ss/bocare/Medicaid/disability/bophones/ssi/medicare and I am sure there are millions more. You don't have to work anymore and you can make more money than you are making now if you know how to work the system. I am sure some of our liberal friends can list more freebies on here than I have, feel free to add.
  9. gatordowneast
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    gatordowneast Well-Known Member

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    I would suspect 108 is a college student living off the parents or guvmint loans. Amazing how perspective changes when dad is no longer the "chairman of your board" because you are on your own.
  10. AzCatFan
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    AzCatFan Well-Known Member

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    Sucks that your plan is going up in price. Curious, how long have you had this insurance, and what were the prices in previous years? I ask because insurance prices have been rising much larger against inflation for a few decades. Here's a chart showing 2000 - 2006, before Obama even became a household name, and Obamacare part of our lexicon.

    [​IMG]

    Obamacare is not without its problems, but if we do nothing, prices were and would still go up anyway. Obamacare is giving insurance companies a nice excuse for the price hikes they have been doing anyway. Obamacare at least gives us a starting point to try and control things.

    And I wish Republicans spent their time tinkering and fixing Obamacare, rather than simply attempting to repeal it. Repeal it and then what? Prices would continue to rise and we'd having nothing to show for it.
  11. gatordowneast
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    Pubs have ideas. Sell across state lines (increase competition). Reward hospitals and physicians for outcomes. Tort reform to cut down on unnecessary procedures and tests to CYA against lawsuits. Empower the states to serve as laboratories to identify "best practices". Instead of threatening people with fines and the IRS, reward those without health insurance with tax credits or fed assistance to purchase insurance...have to get more people feeling like they "own" their insurance and don't just get it because they are alive.

    And of course, those who don't no longer can use the emergency room for their GP. Go to the county health department unless you have a broken leg or are transported in an ambulance. (these are tongue and cheek but you have to give people an incentive to do the right thing and they go to the penalty box (health dept) for acting irresponsible.
  12. Jaggator
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    Who do you have insurance with?

    Did you have any claims in the last year to warrant them raising the rate that high?

    The reason I ask is because my wife and I have insurance with Humana and they just increased their rates 15%. We both have individual plans through Humana and we're both healthy with no claims...We pay $700 monthly and it's a 70/30 plan with a $5,000 deductible.

    All insurance companies have been raising rates some higher than others and I'm told it depends on age, health of the person, whether or not you're a smoker, and number of claims they have.
  13. icequeen
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    icequeen Well-Known Member

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    We've lucked out. I just looked up our information and because our policy is a "self-funded" policy I guess things work a bit differently. We're looking at a 2% increase in what my husband's share is per check for our family plan, no deductible changes. It's supposed to be a 10% increase but the company put a notation that they're taking care of the 8%.

    Just one of the many reasons I put up with living in this hell hole that is Buffalo. That job of his - we really lucked out with the benefits package.
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  14. dirigo
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    "Pubs have ideas. Sell across state lines (increase competition). Reward hospitals and physicians for outcomes. Tort reform to cut down on unnecessary procedures and tests to CYA against lawsuits. Empower the states to serve as laboratories to identify "best practices". Instead of threatening people with fines and the IRS, reward those without health insurance with tax credits or fed assistance to purchase insurance...have to get more people feeling like they "own" their insurance and don't just get it because they are alive.

    And of course, those who don't no longer can use the emergency room for their GP. Go to the county health department unless you have a broken leg or are transported in an ambulance. (these are tongue and cheek but you have to give people an incentive to do the right thing and they go to the penalty box (health dept) for acting irresponsible."

    This is a pretty well thought out post critical of the ACA. First, let me say that I favor legislation that strengthens/rewards behavior that tends to strengthen and improve our nation (eg., accountability for your actions; strengthening the family; investment in education and job skills; etc.). But there are some needs that are so important to our society that they supercede that objective (national defense, interstate highway system, etc.) and others where the ability to shape behavior is present but secondary to a greater good (a public education system; modest retirement security and healthcare for our seniors; etc.). IMHO the healthcare in the US had become so broken (leading cause of personal bankruptcies including among those employed with coverage; 17+% and growing of our GNP; etc.). More important to me, it's the largest portion of a federal budget that with only rare exceptions, operates at a deficit year after year. It's also one of the only significant parts of the budget that can realistically be managed without incredible disruption in our lives. We know this because virtually every one of our trading partners has tackled their healthcare system with great success relative to ours. In other words, this is much more a fiscal than a social problem.

    It's a fiscal problem primarily because as a nation we are not going to turn away the sick and injured from our hospitals and due to the escalating cost more and more had no insurance or otherwise able to pay all or some part of the healthcare they accessed. Many are the chronically poor (many covered by government funded Medicaid) but many are also the "working poor" and still more are in the middle class who have been unfortunate enough to be burdened by a pre-existing condition or worse yet faced a catastrophic illness in their family that brought co-pays beyond their resources or even maxed out their coverage. The cost from all of these of our fellow citizens are paid, at least in part through our ever increasing taxes.

    The topic that we should be discussing is what comprehensive program can we describe that will address this fiscal disaster facing our collective pocketbook and our neighbors?
  15. TheGator
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    TheGator Premium Member

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    Blue Cross and Blue Shield. I have been to the doctor a few times over the year, but nothing significant. No major health problems. Non-smoker.

    My current insurance is $250 deductible 80/20 thereafter for a single person. My previous payment per months was $350. It increased to $475. They said this policy will no longer be offered next year. My deductible will be higher than $2000 and more than likely my rates will increase again.

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