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 I Prefer to Live in Fantasy Land
Posts: 64864
    
Location: In the Hills of Texas | I remember when I actually had healthcare. Last year I had catastrophic health insurance as between the premiums and my deductible, I would spend $12,000. before any benefits kicked in. I just got the new premium after BCBS told me my rates weren't going to go up. They went up over $120.00 a month. How can people continue to afford this? The only shining light is I will be going on Medicare and our premiums for original Medicare, a supplemental and a drug plan will be just a little over $600.00 a month for both of us instead of $629.00 for just me. |
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Veteran
Posts: 183
Location: Wyoming | Mine went from 579.00 I think to 1130.00 for just me. I am probly gonna have to do without no way I can afford that. |
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Go Get Em!
Posts: 13503
Location: OH. IO | Mine went up.IM SICK OF IT>why do we even try anymore,thats how I feel. |
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 BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Be prepared for more decline and disappointment in years to come. Quality will decline. Cost will go up. Deductible will go up. People will whine and complain, but few will actually stop to seriously consider solutions.....there is only one, unless you want a pure single payor system. This has been Obozo's plan all along. This is his phase of chaos. |
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 Coyote Country Queen
Posts: 5666
| Ours went up $80 per month. We are also BCBS. We have had this policy since 2009, and it has gone up about $20-$40 each year, so I was a lite shocked that it went up this much.
We can't go without it, but I'm wondering how much longer we can afford it. Planning to look at it closely to see if we can find a less expensive alternative. |
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 Extreme Veteran
Posts: 421
Location: Texas!! | I have BCBS too!! And ours went up from $986 per month to $1048 per month. $430 of that is my husbands with a $2500 deductible and $618 is mine and our kids with a $2500 deductible! It just keeps going up, every time we have a birthday, and then it will just go up for the hell of it!! I don't know what we are going to do.... I guess raise our deductible.... |
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 Expert
Posts: 1718
Location: Southeast Louisiana | We WERE doing great here in louisiana. Our insurance was working well, there was a surplus.... It was one successful program. We were effectively insulated from the rest of the nation's insurance woes. Some of you will remember from past discussions that some state employees don't pay into social security. Our retirement is the plan other states want to copy. I love my state. I just hope we can continue to be the great state i have come to love.
www.theadvertiser.com/story/news/local/louisiana/2014/09/23/ag-changes-health-insurance-follow-law/16126953
Louisianavoice.com/2014/08/25/louisianavoice-learns-of-jindal-plan-to-force-state-retirees-out-of-ogb-by-raising-members-premiums-cutting-benefits |
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 I Don't Brag
Posts: 6960
| I am still carrying the basically catastrophic plan that I had pre-Obamacare. premiums went up another $10 or so to $233 for a 5K deductible, and 80/20 after that. Basically the same kind of coverage as the lower levels of Ocare, with no government subsidy. Went online to get an estimate for better coverage WITH subsidy and it was tempting to switch, but I am going to wait and see how much premiums climb before I give up my crappy, grandfathered insurance, since I can never get it back. |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Healthcare will never ever be cheap, and it sure as hell won't be free, unless you are extremely poor or not a US citizen....not if we want the best healthcare on the planet. The key is to identify what exactly our healthcare dollars are spent on. There is so much waste, abuse, and fraud out there, most of you would just shake your heads. The only way to really get costs down is to make individuals responsible by giving them a vested interest in their health care spending. There is absolutely no other way....no magic bullet. Citizens are not consumers of health care in today's world. They are utilizers, with zero vested interest. All they care is that their Ox isn't gored. We have a dysfunctional notion of how insurance is supposed to work. It will take a very articulate, compelling, knowledgable individual to lay out a plan. |
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Meanest Teacher!!!
Posts: 8555
Location: sunny california | my father in law broke his pelvis in 3 places it took 2 days to get the pants that were cut up by the paramedics off of him and almost 3 days to be seen by the orthopedic surgeon. the man has worked almost 60 years and this is what he gets.. for health care |
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Red Bull Agressive
Posts: 5981
Location: North Dakota | Bear - 2014-12-18 6:06 PM Be prepared for more decline and disappointment in years to come. Quality will decline. Cost will go up. Deductible will go up. People will whine and complain, but few will actually stop to seriously consider solutions.....there is only one, unless you want a pure single payor system. This has been Obozo's plan all along. This is his phase of chaos.
This. My mom, who works part time got full benefits...until now. Because her office loves her they bumped up her hours so she would get benefits again, which still went way up in cost. And she also gets the short end of the stick because she's 60 and doesn't want to work so many hours! It's all bullsh!t. I hate obama. |
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Elite Veteran
Posts: 618
| I bought an individual plan for myself and 2 children. I was forced to also buy dental. bc my son is under 18 and that's part of the new law. If you have a child under 18.you are required to carry dental. IMO dental insurance is a waste of $. I pay $426.21 a month with a $6000.00 deductible person, with a family max of $12,000.00 per year. We do not get Dr visits with a copay we have to pay out of pocket until we reach deductible. I could've opted for a copay policy with a lower deductible but it would have cost me 2x more per month. Thankfully, we are a healthy family and we don't use it. I just donate! The thing that REALLY ****ed me off is having to carry maternity insurance and I CAN'T GET PREGNANT! I used to be able to opt out |
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  Angel in a Sorrel Coat
Posts: 16030
Location: In a happy place | BCBS is dropping me after December 31. That puts me without any insurance until July1. Very scary for me. Thank you Obama. |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | sorrel horse ranch - 2014-12-18 8:11 PM BCBS is dropping me after December 31. That puts me without any insurance until July1. Very scary for me. Thank you Obama.
That really sucks.
I'm so sorry.
I thought they couldn't drop or refuse anyone? |
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Too busy outside!
Posts: 5417
| sorrel horse ranch - 2014-12-18 7:11 PM BCBS is dropping me after December 31. That puts me without any insurance until July1. Very scary for me. Thank you Obama.
Why? |
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 Toy Story Fanatic
Posts: 4148
Location: Oregon | I am lucky, while the insurance has a $5000 deductible through my job -which is what I had when I had BCBS. Which I paid $320 month but it was going up to $600(that was 2 yrs ago) I now pay $121 per month. I have wellness visits, Dr visits, Ex rays, pharmacy etc that are excluded from the deductible. While it is not great it is better than what I could getwhen I was purchasing myself. I am 54 and have never been without health insurance since I was 19. It scares me to not have something that will at least cover a catastrophic accident.
Edited by squeek 2014-12-18 9:26 PM
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 Night Chat Leader
Posts: 13150
Location: Home....Smiling M Farms | Thankfully, my insurance hasn't changed much, not that it was great to begin with. I have a lot of friends and family members who are having some serious problems though. Rates going up with no way to afford them, not to mention in a few years when the fine really goes up. People are going to be in trouble.
The thing that has directly affected me, is I work in a hospital. Cutting budgets, cutting budgets, and cutting budgets. Working with less people, expected to do more, when there isn't time to do any more. Then being told we may or may not get raises, the hospital may or may not stay open. They're saying every hospital that is not for profit will be closing it's doors in the next five years. I was debating going back to school to further my education, so that I could become a supervisor or even a director. Now I'm wondering if I should just get out of healthcare entirely. I take a lot of pride in my work and I'm good at what I do, I don't want to put out half-a$$ work and have a patient suffer, because I had too much on my plate because they couldn't hire more people. That's not fair to them or me. It's also not fair for me to go back to school, get another degree and only have them bump my pay a dollar or two. It's a viscious cycle. I truly hope someone can put together a plan to fix what this moron has started. |
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 More bootie than waist!
Posts: 18425
Location: Riding Crackhead. | Jenbabe - 2014-12-18 6:39 PM Ours went up $80 per month. We are also BCBS. We have had this policy since 2009, and it has gone up about $20-$40 each year, so I was a lite shocked that it went up this much. We can't go without it, but I'm wondering how much longer we can afford it. Planning to look at it closely to see if we can find a less expensive alternative.
We have BCBS also and we got a notice that ours will be going up 30. |
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | Mine went up a few dollars in the vision/dental side. But I qualify for a discount because I'm a single mom, and I've completed my health quest information. But I have state employee insurance. I pay $45.41 for health for my daughter and I each pay check, then 4.21 vision, 1.21 dental. Minus $20 for healthquest discount, so 25.41 for the preminum. Our deductible is $600 for her and I |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | hoofs_in_motion - 2014-12-19 8:05 AM
Mine went up a few dollars in the vision/dental side. But I qualify for a discount because I'm a single mom, and I've completed my health quest information. But I have state employee insurance. I pay $45.41 for health for my daughter and I each pay check, then 4.21 vision, 1.21 dental. Minus $20 for healthquest discount, so 25.41 for the preminum. Our deductible is $600 for her and I
So basically your health insurance is free. Sweet! |
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Folks on-line