Oct-04-2013 07:28 AM
Oct-30-2013 01:45 AM
Oct-29-2013 11:27 PM
CKNSLS wrote:2gypsies wrote:
Many, many folks who have insurance are getting notified that they will be cancelled and they now have to go with ACA. So when Obama said "you'll get to keep your insurance if you want", he wasn't being truthful.
Many who are being notified are because the plans they are on don't meet minimum coverages of the ACA. So basically they had lousy plans.
Oct-29-2013 11:25 PM
Oct-29-2013 11:22 PM
2gypsies wrote:
Many, many folks who have insurance are getting notified that they will be cancelled and they now have to go with ACA. So when Obama said "you'll get to keep your insurance if you want", he wasn't being truthful.
Oct-29-2013 09:29 PM
Gale Hawkins wrote:
Folks from what I can read it will be three or more years before the rules even start to stabilize and the early trend is to dump staff especially the retired ones to ACA. Again until the ones in DC can agree at best the future is a guess.
ACA is here to stay in some shape or form. The nice thing for us older ones with major health issues the 20-40 year old group will pay much more than before so we can play less than before. I doubt if our current mess is actually related to ACA by more than 10% but is mainly posturing for the debt ceiling debate in a couple weeks. It makes we sick that we have to borrow every month to pay for the rent we are already be on.
Oct-29-2013 08:11 PM
2gypsies wrote:
Many, many folks who have insurance are getting notified that they will be cancelled and they now have to go with ACA. So when Obama said "you'll get to keep your insurance if you want", he wasn't being truthful.
Barb & Dave O'Keeffe - full-timing since 2006
Figment II
(2002 Alpine 36 MDDS) 🙂Oct-29-2013 06:51 PM
Oct-29-2013 05:12 PM
Oct-29-2013 04:06 AM
orfsotr wrote:If your plan is grandfathered is your coverage grandfathered? Lifetime cap? I would check that out. The ACA stops the insurance companies on new policies from cancelling you so you don't have to go bankrupt because of an illness. Medical bankruptcies have been clogging our courts for years. I just don't get it why people have not followed this law. Young people can pay the penalty and not get insurance but they will go bankrupt if they become very sick or have an accident because you only have open enrollment for a certain period of time-you cannot just apply anytime you feel like it. The collectors will come for the money owed if you do not have insurance-believe it.
If you are happy with your current insurance plan why not just keep it? I got a letter from my insurance co stating that since I already had coverage I did not need to change it unless I elect to do so.
Oct-08-2013 05:17 AM
Oct-07-2013 09:10 PM
Oct-04-2013 07:00 PM
Oct-04-2013 06:37 PM
Oct-04-2013 05:34 PM
Oct-04-2013 05:32 PM
earlvillestu wrote:Don't exactly know what you are referencing. I looked at the plans available under the Montana exchange and for the two of us, the silver plans run about $1100 per month, plus have a $3250 deductible before hitting the co-pay benefits. That means putting out over $16,000 per year before benefit 1. Our current BCBS plan is cheaper with better coverage, but might be discontinued. If so, we would have to look to take on an exchange plan and pay more for less. Wonderful system. BTW, I have been trying since the exchange went live to enter an application to see if we will qualify for a subsidy, or if I can create a small business plan that will be cheaper than my individual plan and I cannot find a way to get past the "we are busy and will transfer you as soon as possible, don't log out or you will lose your place in line" page. I left it up for two hours last night, from 11:30 PM to 1:30 AM Mountain time, and never got transferred. Called the help number and got a message saying they servers are overloaded, it is a known problem, and they are supposedly working on it. Hasn't inspired a lot of confidence to me.
"Total out of pocket" is not the same as "deductible." There is no ACA compliant plan that doesn't "pay a dime" until the policy holder has spent $13,000.