Free Republic
Browse · Search
General/Chat
Topics · Post Article

Skip to comments.

Obamacare or employer provided health insurance.
me | Oct. 11, 2013 | 1raider1

Posted on 10/11/2013 12:09:01 PM PDT by 1raider1

I am a retiree on a pension. My 2014 employer provided enrollment form arrived today. According to the booklet provided, if I remain on this plan (AnthemPPO) my monthly premium will increase 66.5% for health and hospital, and 67% for dental, or $180 and $18/mo respectively, to keep the coverage that I now have. I went online to an ACA calculator and with our income, our monthly premium worked out to, with subsidy, $150/mo. That's less than the increase for the employer provided coverage AND it's for the silver plan which is probably as good as what I now have. Can somebody here convince my why I shouldn't switch plans?


TOPICS: Chit/Chat; Health/Medicine
KEYWORDS: healthinsurance; obamacare
Navigation: use the links below to view more comments.
first 1-2021-4041-55 next last

1 posted on 10/11/2013 12:09:01 PM PDT by 1raider1
[ Post Reply | Private Reply | View Replies]

To: 1raider1

Check your total out of pocket costs for deductibles, prescriptions, etc. between the choices. Be sure that the changing coverage would allow you to use the doctors and medical facilities you prefer.


2 posted on 10/11/2013 12:10:42 PM PDT by NEMDF
[ Post Reply | Private Reply | To 1 | View Replies]

To: 1raider1

Are the deductibles comparable?
High deductibles seems to be a “feature” of Obama approved policies.


3 posted on 10/11/2013 12:10:58 PM PDT by nascarnation (Frequently wrong but rarely in doubt....)
[ Post Reply | Private Reply | To 1 | View Replies]

To: 1raider1
with subsidy

This.

4 posted on 10/11/2013 12:11:22 PM PDT by grobdriver
[ Post Reply | Private Reply | To 1 | View Replies]

To: 1raider1
There's a trick to this. I believe it's 1% of your income. But next year it's 2.5%. After that...it goes up and up.

CLUE....When Medicare started, it was $3 a month and a lot more benefits. Now it's $105 a month with limits and copays rising yearly etc etc AND you need a supplement.

5 posted on 10/11/2013 12:12:28 PM PDT by Sacajaweau
[ Post Reply | Private Reply | To 1 | View Replies]

To: 1raider1
it's for the silver plan which is probably as good as what I now have

Double check that. Silver is 70/30, whereas most traditional plans were always 80/20 in their level of coverage. Also check the deductibles and potential out-of-pocket expenses.

6 posted on 10/11/2013 12:12:42 PM PDT by MrChips (MrChips)
[ Post Reply | Private Reply | To 1 | View Replies]

To: NEMDF; 1raider1

Dittoes on the above advice. Especially with regards to the deductibles. IIRC, I was reading yesterday about some goober going for the Silver Plan only to learn the annual deductible was THIRTEEN THOUSAND DOLLARS!

(Holy Crap)


7 posted on 10/11/2013 12:13:45 PM PDT by Responsibility2nd (NO LIBS. This Means Liberals and (L)libertarians! Same Thing. NO LIBS!!)
[ Post Reply | Private Reply | To 2 | View Replies]

To: 1raider1
our monthly premium worked out to, with subsidy

It's up to you if you want to take money from other taxpayers.

That's something I would hold off on for as long as possible because you would be participating in the wealth distribution scheme of socialists.

Also, you haven't mentioned the deductible.

8 posted on 10/11/2013 12:13:50 PM PDT by what's up
[ Post Reply | Private Reply | To 1 | View Replies]

To: what's up
It's up to you if you want to take money from other taxpayers.

...like if you take mortgage interest or child deductions on your income tax.

9 posted on 10/11/2013 12:19:41 PM PDT by Roccus
[ Post Reply | Private Reply | To 8 | View Replies]

To: 1raider1

If you attend church regularly, another option to look at is Samaritan Ministries. It’s not technically insurance but it’s been going for years with positive reviews.

http://samaritanministries.org/

By refusing to sign up for one of the obamacare plans (which mandate abortion coverage) you’re helping to end it.


10 posted on 10/11/2013 12:20:02 PM PDT by Mount Athos (A Giant luxury mega-mansion for Gore, a Government Green EcoShack made of poo for you)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Roccus

“...like if you take mortgage interest or child deductions on your income tax.”

How is reducing the amount I already paid taking it from someone else?


11 posted on 10/11/2013 12:25:33 PM PDT by raybbr (I weep over my sons' future in this Godforsaken country.)
[ Post Reply | Private Reply | To 9 | View Replies]

To: 1raider1

Do not, under any circumstances, sign up for Obamacare. Do not go on their website and give them any personal information.

You are surrendering your Liberty and privacy to the IRS.

No matter how much they promise you will save, it is not worth it.


12 posted on 10/11/2013 12:32:49 PM PDT by P-Marlowe (There can be no Victory without a fight and no battle without wounds)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Roccus
...like if you take mortgage interest or child deductions on your income tax

However, everyone can claim mortgage interest, child deductions.

Not so with these subsidies. Only certain income levels get the goodies.

13 posted on 10/11/2013 12:36:39 PM PDT by what's up
[ Post Reply | Private Reply | To 9 | View Replies]

To: 1raider1

What if you need treatment if something happens,in both scenarios,who decides if you get it?


14 posted on 10/11/2013 12:37:25 PM PDT by mdittmar
[ Post Reply | Private Reply | To 1 | View Replies]

To: 1raider1

Under Obamacare eventually we will all lose our choice between Obamacare and private insurance. When it’s gone, it’s gone for good. Single payer will prove to be very expensive in the long run.


15 posted on 10/11/2013 12:37:44 PM PDT by Huskrrrr
[ Post Reply | Private Reply | To 1 | View Replies]

To: raybbr
How many would even take out a mortgage for $XXX were it not for the deduction.

To imply that someone taking a legal subsidy for something they were FORCED into is doing something wrong is disingenuous at best. Honestly, some of the "holier than thou" nonsense that goes on here at FR is sad.

I also have retiree, employer paid supplimental insurance. If I find myself in the same situation as the original poster, you better believe I will look into the subsidy. If that puts ME on your sh*t list also, too bad.

16 posted on 10/11/2013 12:40:58 PM PDT by Roccus
[ Post Reply | Private Reply | To 11 | View Replies]

To: 1raider1

God help me - I may be in this same situation. I’ll know at the end of October, when our open enrollment begins.


17 posted on 10/11/2013 12:46:37 PM PDT by Joann37
[ Post Reply | Private Reply | To 1 | View Replies]

To: what's up
Only certain income levels get the goodies.

So if I fall into that category, I should just forego the subsidy and pay the full price that the gov't. has set up? I don't think so.

More and more I question my support of and participation in FR.

18 posted on 10/11/2013 12:47:55 PM PDT by Roccus
[ Post Reply | Private Reply | To 13 | View Replies]

To: Roccus
As I said...I would hold off for as long as possible on the subsidy for the reasons stated. When we take the Gov't largesse we enable socialist Gov't.

I didn't say no one should ever take the subsidy. If one is desperate one has to do what's necessary to stay alive. But obviously the more people who hold out against tyranny the better.

My family is eligible for the subsidy also. However, we will not be taking it for the reasons I stated.

19 posted on 10/11/2013 12:52:20 PM PDT by what's up
[ Post Reply | Private Reply | To 18 | View Replies]

To: 1raider1
Can somebody here convince my why I shouldn't switch plans?

How about you making your own decisions?

Do you know the difference in out-of-pocket costs or catastrophic caps? Do you know how many providers in your area will accept the new plans? Do you know the quality of the providers?

I say you go ahead with what you think is cheapest and lets us all know how it worked out a year from now.

20 posted on 10/11/2013 12:52:49 PM PDT by trebb (Where in the the hell has my country gone?)
[ Post Reply | Private Reply | To 1 | View Replies]


Navigation: use the links below to view more comments.
first 1-2021-4041-55 next last

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
General/Chat
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson