Posted on 10/30/2015 4:18:47 PM PDT by Sequoyah101
Hello all you other gainfully employed chumps paying for your own health care insurance.
I just wanted you to know something I've found out. If you have a BRONZE plan like I do, because you are paying for it yourself and can't afford anything else, you are paying a $6,000 deductible per person before you can file a single claim to perhaps get any benefit.
Meanwhile, people who have subsidized plans because they aren't working or not working or not earning very much get the vaunted SILVER plan! And you are paying for it. You are paying for a plan for others "less fortunate than you" better than you can afford for yourself.
How do I know? Second hand knowledge about the SILVER plan from someone who has it via subsidy and first hand from me who has a BRONZE plan.
The guy I know who has the subsidized SILVER plan is getting lots of work done on himself at essentially ZERO cost to himself. The SILVER plan covers him. Technically he does have a deductible and copay but that is not the point. The point is, he is getting better health care than I can afford and I, by taxes, am paying for his.
The not being able to afford good primary health care and only being able to afford catastrophic insurance, the BRONZE plan, story only applies to the working poor like me who don't get a subsidized plan.
That’s a great plan...except for one glitch.
A lot of doctors will not treat a person past an initial consultation if that person doesn’t have insurance. Even if they are waving around fists full of self insured dollars.
Although a hospital is required to treat an emergency...they will boot you out once you are stabilized.
Bought an Obamaplan, deductible is 3700. 5 months later 8 days in hospital major surgery, bill over $80,000! Current monthly insurance payment is subsidized only 25%. Yes, I work. Yes, I still pay taxes.
Hope your need for an ObamaPlan coincides with an open enrollment period. And then you won’t get coverage until the first of the month at the earliest.
Our Obamacare plan denied my husband medication that was prescribed to him on March 31.
On April 1, our new insurance with my husband’s new company kicked in, and the medication was approved. My husband’s doctor was shocked.
Hey - US Supreme Court says those subsidies are just fine - case closed....
And yet you still decided to sign up for the “plan”.
Interesting.
>>>One child gets around $2,000 monthly!<<<
The Check might be for the Child, but the Child isn’t getting it. (wink, wink)
That and the ridiculous EITC are rotting away our Society.
If I may ask, what is your Monthly Premium with that Plan?
Wish I had some good news for you on this front, but I don't. Not with 2 parties run by the establishment. Not with dumbed down citizenry. Not with perpetual victims. Not with gimme types. It's only going to get worse.
Premiums for me, my wife, and son were $500 per month.
$1000 deductible.
After Obmacare passed, my employer "generously" offered a bronze plan, just for me alone is $5000 deductible, then after that 80/20.
I could have put my whole family on the bronze, but that is 10K deductible before I actually receive dollar one of benefits.
I do see my doctor around 4 times per year, but it's all out of pocket. My labs, all out of pocket.
Sure, if I got hit by a bus I might be grateful to have a $5K deductible. But hell's bells, I still pay premiums AND everything out of pocket.
It's not even like real insurance.
As a reasonable income person, I pay at least 60K/year in taxes.
I'm giving a lot of non-taxpaying people plenty of goodies, but I get jack $hit back in return.
And to top it all off, I'M considered "greedy" by liberals, because I don't pay my "fair share" in taxes.
The hell I don't!
You're only allowed to join during the open enrollment period which, for 2016, runs from November 1, 2015 till January 31, 2016.
Right. It isn't. It's something else.
I can’t afford to expose to unlimited medical cost liability.
Unless you have nothing at all and no prospect of having anything at all I don’t see how anyone can afford to not have insurance.
Once again, the system is set so someone with nothing is better off than someone who works.
When do we quit? How do we quit? When do we revolt? What would it accomplish?
My wife counts it all up to politicians who won’t do right, who are evil according to her. Politicians we voted for to represent us. I tell her she is being naive. They don’t work for us, they work for themselves and they are not elected by us. They are elected by a caste that outnumbers us. The cast they work for is the free chit caste who keep them in power and they make us that caste’s enemy while they remain safe and well taken care of in the Bastille.
This is over, we are through, we are only waiting for someone to come take all the rest of what we work for. Get ready for it. They are coming.
I’m happy you can afford it. Growing artichokes must pay a whole lot better than other types of farming.
https://www.opm.gov/healthcare-insurance/healthcare/plan-information/plan-codes/2015/states/va.asp
Oh, you're not one of the 3 million people who work for the Federal Government. Too bad. Otherwise you could have selected perhaps the Blue Cross and Blue Shield Service Benefit Nationwide Plan Code 10 Standard Option for families:
The calendar year deductible is $350 per person ($700 per family).
It provide benefits at 85% of the Plan allowance for services provided in Preferred facilities by Non preferred radiologists, anesthesiologists, certified registered nurse anesthetists (CRNAs), pathologists, emergency room physicians, and assistant surgeons (including assistant surgeons in a physician’s office). You are responsible for any difference between payment and the billed amount.
For a Self and Family enrollment, your out of pocket maximum for these types of expenses is $6,000 [Plan pays 100% after maximum is reached] for Preferred provider services. Expenses is $8,000 [Plan pays 100% after maximum is reached] for Non preferred provider services. Only eligible expenses for services count toward these limits.
Standard Option Self and Family Non-Postal Premium Monthly Gov't share: $971.90 Your share: $462.17 Postal: $231.31
Hey, if you like your Obamacare, you can keep your Obamacare - how many government employees do you think would like to be able to say that?!
Rates shown are for 2015 calendar year.
My doctor clients have lots of patients who work for the Federal government and are covered by Blue Cross of Texas. No deductible and only a $20 co-pay. Haven’t a clue as to whether or not they pick up any of the premium cost themselves but doubt it.
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