If You Like Your Insurance Plan You Can Keep It...Not

[Revoltingest]

Revoltingest, their minds are made up, stop confusing them with facts.

How dare you accuse me of using those things!
All I have is opinions....& a cold....& a new rock crusher, but that's another story.

 

[Mister_T]

How dare you accuse me of using those things!
All I have is opinions....& a cold....& a new rock crusher, but that's another story.

You forgot spiffy new Willie avatar.

 

[Revoltingest]

You forgot spiffy new Willie avatar.

Oh, yeah....I'm forget'n a lot these days.
Back on topic....sort of....Mrs Revolt says we're staying on our existing plan. The cost is going up, but that's just the company providing less. Son's cost is going down because he's buying my self storage business & is poor according to the IRS. Gotta milk that system while starve'n the breast! (Although I'm a failure at the latter...gonna have another big tax bill for '13. I feel like I'm personally responsible for the wars.)

 

[Mr Spinkles]

Stop ruining this with facts. We can't poo-poo on Obama if you do that.

BTW, I just got my benefits for next year and not only do I get to keep my insurance, it costs me almost $10.00 dollars less a month, when every year since I've been here at my job (7 years this past July) it's gone up $2.00 or close to it. Thanks for nothing Obama!!!

It sounds like your premium didn't go down as much as Obama promised. You've exposed yet another lie. Caught ya, Obama!

 

[metis]

BTW, according to the ACA, one would be grandfathered in on private insurance they purchased as long as they or the insurance company didn't attempt to change anything on their policy. If either did make changes, then what thy would agree to had to meet the standards of the ACA.

 

[gerobbins]

All I can say, is that I am glad I am a Canadian. I don't have such worries

 

[dust1n]

And to counter

http://www.physiciansfoundation.org/uploads/default/Physicians_Foundation_2012_Biennial_Survey.pdf

Yeah, let me just sit down and read this 128 page response that is suppose to counter.... well, I don't know what it's suppose to counter... but some part of my post. [/sarcasm] Undoubtedly, you have read this and should just narrow down or quote whatever particular information it is you are wanting me to see.

 

[Mr Spinkles]

All I can say, is that I am glad I am a Canadian. I don't have such worries

No because you're Canadian, according to conservative Americans, you have horrible, horrible government-run health insurance. You may not realize it, but you do. Trust us.

 

[metis]

No because you're Canadian, according to conservative Americans, you have horrible, horrible government-run health insurance. You may not realize it, but you do. Trust us.

Yes, there is so much nonsense being spewed forth by the right-wing that defies both reality and common sense. Even a smidgen or homework would show that Canadians very much like their system, although they complain like we all do about certain things. However, I've not heard one Canadian tell me that they would prefer to have ours.

BTW, I spend a great deal of time in Canada and have studied their general medical system. It ain't perfect, but it's a helluva lot better than what we got overall. Certainly they do have some problems, and one big one is not enough doctors, which often results in waits for elective surgeries. Another is that Canada has some change in demographics whereas their population is getting older, and this is putting more strain on their system much like it is ours.

 

[Shadow Wolf]

And that's why a universal system should be implemented: to simplify the process so people who aren't money-savvy can get help when needed.

My issue isn't with being money-savvy, it's just getting any sort of help. What I do not get though, is why so many states rejected federal funds to expand medicaid.

So far, I've determined at least one major problem with ACA: it's way too complicated.

It is. But sadly, if it wasn't for all the fighting and bickering, it would not have had to have been so complicated.

 

[esmith]

My issue isn't with being money-savvy, it's just getting any sort of help. What I do not get though, is why so many states rejected federal funds to expand medicaid.

From what I understand is that under the expanded medicaid: From: Daily Briefing primer: ACA's Medicaid expansion | The Advisory Board Daily Briefing

Specifically, participating states must cover all residents ages 19 to 65 who have a household income below 133% of the federal poverty level (FPL), with a 5% income disregard. Effectively, this means that adult residents with a household income below 138% of the FPL would be eligible for Medicaid under the expansion. That's nearly $32,000 for a family of four, and $15,400 for an individual.

From 2014 to 2017, the federal government will pay for 100% of the difference between a state's current Medicaid eligibility level and the ACA minimum. Federal contributions to the expansion will drop to 95% in 2017 and remain at 90% after 2020, according to the ACA.

This may explain why some states are not expanding medicaid
Should States Expand Medicaid? - Forbes

 

[Shadow Wolf]

From what I understand is that under the expanded medicaid: From: Daily Briefing primer: ACA's Medicaid expansion | The Advisory Board Daily Briefing

Specifically, participating states must cover all residents ages 19 to 65 who have a household income below 133% of the federal poverty level (FPL), with a 5% income disregard. Effectively, this means that adult residents with a household income below 138% of the FPL would be eligible for Medicaid under the expansion. That's nearly $32,000 for a family of four, and $15,400 for an individual.

From 2014 to 2017, the federal government will pay for 100% of the difference between a state's current Medicaid eligibility level and the ACA minimum. Federal contributions to the expansion will drop to 95% in 2017 and remain at 90% after 2020, according to the ACA.

This may explain why some states are not expanding medicaid
Should States Expand Medicaid? - Forbes

Or, you could look at the fact that all 26 states that are rejecting medicaid expansion are Republican led. And the Forbes article is inaccurate, because Indiana isn't debating the issue. Covering the poor is something this state doesn't like to do.

 

[esmith]

Or, you could look at the fact that all 26 states that are rejecting medicaid expansion are Republican led. And the Forbes article is inaccurate, because Indiana isn't debating the issue. Covering the poor is something this state doesn't like to do.

So you disagree with the facts that were in the Forbes article? According to Beyond the pledges: Where the states stand on Medicaid | The Advisory Board Daily Briefing Indiana is presenting a plan to cover the poor through the Healthy Indiana Plan. So, is this a viable plan vice the extended medicaid plan?

 

[McBell]

So you disagree with the facts that were in the Forbes article? According to Beyond the pledges: Where the states stand on Medicaid | The Advisory Board Daily Briefing Indiana is presenting a plan to cover the poor through the Healthy Indiana Plan. So, is this a viable plan vice the extended medicaid plan?

As long as you do not make more than $135 a month you are eligible to pay $35 of it a month for health coverage.

Been there, done that.

 

[Dirty Penguin]

So you disagree with the facts that were in the Forbes article? According to Beyond the pledges: Where the states stand on Medicaid | The Advisory Board Daily Briefing Indiana is presenting a plan to cover the poor through the Healthy Indiana Plan. So, is this a viable plan vice the extended medicaid plan?

It's a weak solution at best and leaves a lot to be desired......:sad:

http://iuhealth.org/images/blo-doc-upl/Bloom-Careers-Benefits-HealthyIndianaPlanFAQ.pdf

How is this plan different from a traditional entitlement program?
The number of people who can enroll in the Healthy Indiana Plan is entirely dependent upon available funding. Eligibility will be on a first-come, first-served basis.

This is weak....

What if your employer offers health insurance, but you have chosen not to participate? If a person has access to employer-sponsored health insurance, he or she is not eligible for HIP.

So if my employer insurance is more expensive but I'm making less than $13,000 a year...how will I actually be able to get insurance is I'm then ineligible for HIP coverage...This is weak..!!

What if you do not qualify for the plan, but are still uninsured.Are there any buy-in options? Yes. A person earning above 200% FPL, who has been uninsured for six-months and does not have access to health insurance through their employer may
purchase the plan at full cost, with no subsidy from the State. Price will vary depending on the age, gender, and health risk assessment.

Also, if for some reason the plan has reached maximum enrollment, individuals below 200% of the FPL that would normally qualify for HIP can purchase the plan at the discounted Healthy Indiana Plan rates. However, the individual will be responsible for theentire cost and the State will offer no subsidy.

This is weak. You're better off going through the ACA Exchanges....:sad:

What happens if I become pregnant while enrolled in Healthy Indiana Plan?
Pregnant women do not qualify for HIP, as pregnancy services are covered by the Hoosier Healthwiseprogram. If a woman becomes pregnant while on HIP, her pregnancy will not be covered by HIP. She will be eligible for HHW and can change programs by submitting proof of pregnancy and a change report form to the State. At that time she will be removed from HIP, and all of her medical services,pregnancy-related and other, will be covered under Package B of Hoosier Healthwise. The State will also pay for any services incurred for the pregna
ncy during the time the program switch was made. She will receive a prorated balance of her POWER Account upon leaving the program. Following her pregnancy, she may enroll back in the HIP plan. The plan she chooses will be responsible for helping her with the transitions to assure seamless coverage.

Look, I'm not even going to highlight the rest. This is convoluted and restrictive and seems to place an undue burden on pregnant women.

 

[idav]

In addition, Obama's statement was literally 99.9% true, according to the facts given in the article. I'd call that closer to "true" than "false".

You know funny thing with all these changes going on. I got a letter in the mail yesterday saying medicaid is expanding to cover more incomes (fat lie). Same letter said I am losing the state coverage at the end of the year and the new cap for the new program means I make too much. Sucks being on the line with programs like that. Funny how the letter told me two diiferent things a paragraph later.

Edit: I may be reading it wrong. Not losing it but forced to change.

 

[Dirty Penguin]

You know funny thing with all these changes going on. I got a letter in the mail yesterday saying medicaid is expanding to cover more incomes (fat lie).

Would you be willing to share the actual line from the letter?

 

[Mr Spinkles]

You know funny thing with all these changes going on. I got a letter in the mail yesterday saying medicaid is expanding to cover more incomes (fat lie). Same letter said I am losing the state coverage at the end of the year and the new cap for the new program means I make too much. Sucks being on the line with programs like that. Funny how the letter told me two diiferent things a paragraph later.

Edit: I may be reading it wrong. Not losing it but forced to change.

I know how you feel, believe me, that kind of thing happened to me long before the ACA. Unfortunately people have been getting letters informing them of reduced coverage, or changes, or increased costs from their insurers for a long time. You can't fix a problem without making any changes. I'd be curious to know what your new coverage turns out to be and how it compares to the old.

 

[metis]

I heard yesterday (I believe on CNN) that roughly half of all those who had purchased private insurance lost it or left it after having it for one year or more.

 

[idav]

Would you be willing to share the actual line from the letter?

I got it, forced to change but I dont qualify on the new program.

"....alloww to expand the program to adults who were not eligible for it 8n the past...........it is not likely that you will qualify for the new program that begins in January 2014."