ACA and what I would supposedly not save.

[Endus]

Did you read this part in my post:

Anthem BC/BS is the only insurance provider on the exchange in NH. They just announced they're dropping 10 of NH's 26 hospitals from coverage on the exchange, as well as their affiliated medical providers. That includes the hospital about a mile from my house. I'd lose all my doctors.

Anthem also announced they wouldn't cover any out of state specialty hospitals for subscribers on the exchange (i.e. Children's Hospital in Boston, Dana-Farber Cancer Center, etc)

And? That's not a failure of the ACA.

Would it have been better to go with a single-payer system? I totally agree. I'm not a supporter of the ACA. Just that it's better than what the US had in place beforehand.

[Deathcries]

And? That's not a failure of the ACA.

Would it have been better to go with a single-payer system? I totally agree. I'm not a supporter of the ACA. Just that it's better than what the US had in place beforehand.

How is it better for me? I'm paying double. I'm not rich either. I'm getting hammered, and I'm not the only one who's going to get hammered by this. They're punishing middle class Americans for being Middle Class.

[KOMO1211]

How is it better for me? I'm paying double. I'm not rich either. I'm getting hammered, and I'm not the only one who's going to get hammered by this. They're punishing middle class Americans for being Middle Class.

maybe I missed the part but if you already have ins through your employer what does it matter what the ACA offers your state. if your just arguing for debate cool. however I firmly believe that there is serious price gouging going on at this time in some places/plans. everyone is signing up and more and more of the regulations are going into effect. of course companies, especially those with more or less monopolies in your state, are going to run the prices high at the start before they begin to lower by regulation and competition that should come once other/new INS companies come to the state. everything always sucks at first but I personally think it will get better. that being said I, like others, would prefer a single payer system but what can you do.

[Gsara]

Why are you even worried about it if you already have insurance through your employer? ACA is aimed at the people that do not have any insurance at all or shit insurance from their employers and cant afford insurance of their own.

[Endus]

How is it better for me? I'm paying double. I'm not rich either. I'm getting hammered, and I'm not the only one who's going to get hammered by this. They're punishing middle class Americans for being Middle Class.

You've got employer-based health insurance, right? Then it may not be better for you. And that's okay. Again; your employer's getting a better rate.

The ACA isn't meant to force insurance companies to offer rock-bottom prices. It's meant to bring the prices down into feasible ranges, despite pre-existing conditions and the like, for those people who don't get health insurance through their employer. if you have insurance through your job, you aren't the demographic the ACA is targeted to help. But it won't hurt you any, either.

[Deathcries]

Why are you even worried about it if you already have insurance through your employer? ACA is aimed at the people that do not have any insurance at all or shit insurance(hmo) from their employers and cant afford insurance of their own.

Here I'll just repost this so you can re-read it.
Anthem BC/BS is the only insurance provider on the exchange in NH. They just announced they're dropping 10 of NH's 26 hospitals from coverage on the exchange, as well as their affiliated medical providers. That includes the hospital about a mile from my house. I'd lose all my doctors.

Anthem also announced they wouldn't cover any out of state specialty hospitals for subscribers on the exchange (i.e. Children's Hospital in Boston, Dana-Farber Cancer Center, etc)

I currently pay $512.32/month with a $3,000 deductible through my employer. No copays, no co-insurance, no limits. My kids see specialists at Children's in Boston. I see specialists in both NH and MA, I've had a rough couple of years. By choice I also see a specialist that I pay for with cash.

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You've got employer-based health insurance, right? Then it may not be better for you. And that's okay. Again; your employer's getting a better rate.

I'm curious to how many people that respond to this thread make between 50K-80K and that live in America like myself so I can ask them some questions, because I'm getting rheemed.

[Endus]

Re-read my original post please. They're dropping a lot of the doctors who I go to among other things.

That's a reason to complain to your insurance company. It doesn't have anything to do with the ACA, it has to do with your insurance company making choices that aren't good for their customers in the name of profit margins. Same difference for the lack of competition; that's not a good situation, but the ACA isn't creating insurance companies or forcing companies to expand into new markets. If there's only one company on the exchange for you, that sucks, but it isn't the ACA's fault.

[Deathcries]

That's a reason to complain to your insurance company. It doesn't have anything to do with the ACA, it has to do with your insurance company making choices that aren't good for their customers in the name of profit margins. Same difference for the lack of competition; that's not a good situation, but the ACA isn't creating insurance companies or forcing companies to expand into new markets. If there's only one company on the exchange for you, that sucks, but it isn't the ACA's fault.

I've never had it go up this much and my employer is blaming this radical change because of the ACA.

Also I doubt the insurance company is going to give a rat's rear end what I think. They're there to make money.

[Felya]

How is it better for me? I'm paying double. I'm not rich either. I'm getting hammered, and I'm not the only one who's going to get hammered by this. They're punishing middle class Americans for being Middle Class.

You have anthem blue cross? Here is an example of why some doctors were dropped from blue cross:
http://www.clarionledger.com/article...s-Blue-Shield-

Meredith Virden, spokeswoman for Blue Cross & Blue Shield of Mississippi issued statement claiming the allegations by HMA are misinformed.

“The issue is not about access, as HMA would like you to believe. The issue is about the cost of healthcare,” wrote Virden.

“The rally today was part of HMA’s continuing efforts to distract the public from the real issue. The facts are that HMA area hospitals charge their patients significantly more than other area Network Hospitals charge their patients – in some cases more than double the charges. HMA sued Blue Cross because it wants to be paid more, not because it wants to charge its patients less.”

Blue Cross/Shield is also the leader in exchanges:
http://www.nytimes.com/2013/10/11/bu...lead.html?_r=0

On the first day that people could buy coverage under the federal health care law last week, the chief executive of Independence Blue Cross in Philadelphia had just learned that his company’s plans were the area’s least expensive available through the new state exchanges. “We were thrilled,” said Daniel J. Hilferty, the nonprofit insurer’s chief executive.

A 36-year-old can buy a so-called silver policy — a midrange plan — for $246 a month, not including the federal subsidies that could lower the cost even further. Out-of-pocket costs would vary, depending on the choice of hospital and doctor.

While other brand-name insurers like UnitedHealth Group, Aetna and Cigna are selling coverage only sporadically on the exchanges, consumers will find local nonprofit Blue Cross and Blue Shield plans in nearly every state and market in much the same way they did before the federal health law was enacted.

[Gsara]

Here I'll just repost this so you can re-read it.
Anthem BC/BS is the only insurance provider on the exchange in NH. They just announced they're dropping 10 of NH's 26 hospitals from coverage on the exchange, as well as their affiliated medical providers. That includes the hospital about a mile from my house. I'd lose all my doctors.

Anthem also announced they wouldn't cover any out of state specialty hospitals for subscribers on the exchange (i.e. Children's Hospital in Boston, Dana-Farber Cancer Center, etc)

I currently pay $512.32/month with a $3,000 deductible through my employer. No copays, no co-insurance, no limits. My kids see specialists at Children's in Boston. I see specialists in both NH and MA, I've had a rough couple of years. By choice I also see a specialist that I pay for with cash.

- - - Updated - - -



I'm curious to how many people that respond to this thread make between 50K-80K and that live in America like myself so I can ask them some questions, because I'm getting rheemed.

Anthem being the only insurance provider on the network in your state has nothing to do at all with the insurance you have through your employer unless your employer also uses Anthem.

[Felya]

I've never had it go up this much and my employer is blaming this radical change because of the ACA.

What exactly in ACA that's causing it? My employer was already in compliance, so nothing changed.

Here is what a representative in Alabama said:

http://www.local15tv.com/shared/news...l#.Uloursu9KSM

"Because everybody gets a policy when they apply, for everybody who has that policy the cost is going to increase," said Blue Cross Blue Shield of Alabama representative Michael Patterson. Patterson said because no one can be turned down because of a pre-existing condition, everyone will split the increased cost.

Viewers on our Facebook page reported hikes in the hundreds and even thousands of dollars, with deductibles doubling and tripling. Patterson said the number of family members receiving coverage will also make a difference.

Right now, a married couple with no children might pay the same premium as a married couple with multiple children. "Beginning 1/1/2014, you assign a portion of the premium based on how many people are in the family," Patterson said.

[Deathcries]

What exactly in ACA that's causing it? My employer was already in compliance, so nothing changed.

Here is what a representative in Alabama said:

http://www.local15tv.com/shared/news...l#.Uloursu9KSM

So basically the ACA is going to make the cost go up? Why is it called the ACA then? I thought it was suppose to be for the middle class to be more affordable. Not to rise in price.

[Felya]

Anthem being the only insurance provider on the network in your state has nothing to do at all with the insurance you have through your employer unless your employer also uses Anthem.

The only thing I see as a reason for price increases in existing plans, is the speculation of what might happen. Above also mentioned that the family member accounting in price is not active until the first of next year.

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So basically the ACA is going to make the cost go up? Why is it called the ACA then? I thought it was suppose to be for the middle class to be more affordable. Not to rise in price.

You have not answered my question though. What in ACA is increasing your price? The link you are quoting is blaming speculation as a result of no one being turned down and the family discount not being in effect until the first of next year.

[Deathcries]

The only thing I see as a reason for price increases in existing plans, is the speculation of what might happen. Above also mentioned that the family member accounting in price is not active until the first of next year.

- - - Updated - - -


You have not answered my question though. What in ACA is increasing your price? The link you are quoting is blaming speculation as a result of no one being turned down and the family discount not being in effect until the first of next year.

This is the quote I got from the website so I could continue in to seeing my doctors because it looks like we're going to be dumped onto the exchange, per my employer. I need to get some more information which I will on Monday, but so far this is not looking good.

[Gsara]

The only thing I see as a reason for price increases in existing plans, is the speculation of what might happen. Above also mentioned that the family member accounting in price is not active until the first of next year.

He could also be a percentage of the people right in the middle that are getting "red stated" as they say. (It is happening in blue states also)

[washacked]

You've got employer-based health insurance, right? Then it may not be better for you. And that's okay. Again; your employer's getting a better rate.

The ACA isn't meant to force insurance companies to offer rock-bottom prices. It's meant to bring the prices down into feasible ranges, despite pre-existing conditions and the like, for those people who don't get health insurance through their employer. if you have insurance through your job, you aren't the demographic the ACA is targeted to help. But it won't hurt you any, either.

i keep seeing you say "it doesn't affect you" and it does. it has literally affected 100% of the people i know in a negative way. mostly the copays are going way the fuck up from where they were and yes, BC/BS is specifically citing the reason as the ACA

this isn't helping people who already have insurance. it's not helping people who are making shit money just above that 1.5x poverty line. it sucks and may lead to better things but the USA's insurance market is so fucked up we're a generation away from things working out.

right now, people are deciding how they're gonna lie on their taxes so they can drop their insurance plans since they can't afford the copay anyway, avoid the fine and keep their homes instead

[Endus]

This is the quote I got from the website so I could continue in to seeing my doctors.

The issue is that your employer-provided insurance is retaining the same price. They're not covering your doctors any more, but that has nothing to do with the ACA directly, and you should take that up with your insurer. If you wanted to drop your employer-based insurance and get an independent quote, you're finding that you'd have to pay more, because you don't have the advantage of negotiating a group rate any more. The ACA is meant to help those without insurance get insurance. You've already got insurance. You're not the target demographic, and your insurer's decisions aren't being forced by the ACA.

[Deathcries]

He could also be a percentage of the people right in the middle that are getting "red stated" as they say. (It is happening in blue states also)

Is red stated, or blue stated another term for Anal Rape?

[KOMO1211]

I'm curious to how many people that respond to this thread make between 50K-80K and that live in America like myself so I can ask them some questions, because I'm getting rheemed.

i make in that range and my INS has not changed and only stands to change slightly. my employer also pays for my INS plan 100%

[Deathcries]

The issue is that your employer-provided insurance is retaining the same price. They're not covering your doctors any more, but that has nothing to do with the ACA directly, and you should take that up with your insurer. If you wanted to drop your employer-based insurance and get an independent quote, you're finding that you'd have to pay more, because you don't have the advantage of negotiating a group rate any more. The ACA is meant to help those without insurance get insurance. You've already got insurance. You're not the target demographic, and your insurer's decisions aren't being forced by the ACA.

So basically this is for poor people only, and people who work are going to get the shaft?

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i make in that range and my INS has not changed and only stands to change slightly. my employer also pays for my INS plan 100%

100% paid for? Wow. You must work for a very nice company. What do you mean by it has not changed, but stands to change slightly? You're contradicting yourself.