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 Serious Snap Trapper
Posts: 4275
  
Location: In The Snow, AZ | RockinGR - 2017-01-26 7:42 AM
IRunOnFaith - 2017-01-25 3:55 PM
stayceem - 2017-01-25 3:37 PM IRunOnFaith - 2017-01-25 3:28 PM I have a friend who also voted for Trump but is scared because her employer only offers Obama Care. Her policy is getting canceled soon and her son is in the hospital and has been for months. He's currently in rehab/physical therapy learning to talk, walk, eat, etc. and when the insurance gets cut off she was informed by the billing department that she will be considered self pay. She then has to start paying out of pocket. They can't afford the cost and are in danger of loosing their spot in the PT department and losing the room they are in to other patients who are waiting who have insurance. They are scared as to what is going to happen when their policy is no longer valid and they cannot pay.
Does anyone have any insight on how the policies will either transfer to a different policy, or if these specific people will have to shop for healthcare? She has her entire family on her plan and has shopped. So far she can't afford insurance for anyone but herself.
Thoughts on transition of policies for healthcare?  I am by no means a guru at this but I am self-employed and I didn't qualify through our state due to income. We have MNSURE, so I had to shop privately and bought insurance. I would assume your friend could do the same?
I was juyst curious if anyone had any insight as to what would happen when the policies run out....
Holy crap, I wish I could find a family plan for $500 self pay. I pay almost $600 for MY SHARE of my employer shared plan through BCBS, for a family of 4. It is almost double that if I get it on my own. My husband is self employed and we make too much to qualify for any credits. My cost was set to increase 24% for 2017, or I had the option to take a plan for "selective care" meaning I cannot choose my hospital if we need hospital care.
And we almost never go to the Dr except routine stuff for our boys. $5000 deductible means we pay for everything anyway. My 1 year old went to the ER in October, 1 shot of lidicane and 7 stitches was OVER $1000...after insurance (which paid a whopping $136 )! They didn't even clean all the blood off of him. And I took the stitches out myself or who knows how much that would have been.
5 years prior (before ACA ) I had to take my first son to the ER for dehydration, fever, and the start of pneumonia. IV fluids, Xray, etc...$44 was my share.
This is precisely why we don't have insurance. I'm a "homemaker", started out as a stay at home mom, but with a daughter who is almost in the third grade, I can't really call it that anymore ;). My husband is considered self employed as we own a small business that contracts under a larger carrier. Hubby makes enough that we don't qualify for any health insurance breaks. It is over $800/month, $10,000 deductible to insure my husband, myself and our child. We are all very healthy. Hubby is 32, I'm 28. We decided to go without insurance as the penalty is less than a couple months worth of payments.
Our daughter broke her collarbone a few years ago, and after x rays and learning there was nothing to help heal, we were in the hole about $3,000. Still much lower than what our deductible would have been. We just pay everything out of pocket.
We are hopeful that one day we can afford insurance, and it be feesable for us. But until then, I'm just prayerful that we don't need major medical for any reason. | |
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  Champ
Posts: 19623
 
Location: Peg-Leg Julia Grimm | Griz - 2017-01-26 4:04 AM
I'm about an inch away from losing a TON of friends on facebook over their WHINING about Odumbo leaving office. I had to put of with that worthless piece for EIGHT years. GET OVER IT.
Until we take better care of our veterans, we don't need to be taking care of ILLEGALS. They are only coming here for FREE HANDOUTS.
I am a Trump supporter 100%. 
 I'm with her! Ooops is that a copyrighted phrase? My bad. giggle | |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | It's pretty evident that the majority of people that have great praises for Obamacare are the takers that contribute just about nothing. Sometimes I feel the working man has become enslaved to work and provide for the people that don't want to work. I'm all for taking care of people that are truly in need but for the others...go get a job. We've been seeing many Now Hiring signs in the last month. | |
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"Heck's Coming With Me"
Posts: 10797
Location: Kansas | One freeloader referred to those of us working as "wage slaves" and she had no desire to be one. She loved her free life. | |
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Elite Veteran
Posts: 1165
Location: California | Nevertooold - 2017-01-25 6:38 PM
IRunOnFaith - 2017-01-25 4:08 PM Nevertooold - 2017-01-25 4:01 PM IRunOnFaith - 2017-01-25 3:55 PM stayceem - 2017-01-25 3:37 PM IRunOnFaith - 2017-01-25 3:28 PM I have a friend who also voted for Trump but is scared because her employer only offers Obama Care. Her policy is getting canceled soon and her son is in the hospital and has been for months. He's currently in rehab/physical therapy learning to talk, walk, eat, etc. and when the insurance gets cut off she was informed by the billing department that she will be considered self pay. She then has to start paying out of pocket. They can't afford the cost and are in danger of loosing their spot in the PT department and losing the room they are in to other patients who are waiting who have insurance. They are scared as to what is going to happen when their policy is no longer valid and they cannot pay.
Does anyone have any insight on how the policies will either transfer to a different policy, or if these specific people will have to shop for healthcare? She has her entire family on her plan and has shopped. So far she can't afford insurance for anyone but herself.
Thoughts on transition of policies for healthcare? I am by no means a guru at this but I am self-employed and I didn't qualify through our state due to income. We have MNSURE, so I had to shop privately and bought insurance. I would assume your friend could do the same?
I was juyst curious if anyone had any insight as to what would happen when the policies run out....
Exactly. Through ObamaCare my insurance was $600 for JUST me, $2000 deductible, with no prior medical issues, no prior surgeries, nothing.
Thankfully I now have insurance through my employers and its much more affordable but I still cringe when I see my pay stub. After taxes and insurance I loose almost half of my pay. | |
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 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | Nevertooold - 2017-01-25 3:36 PM From everything that I have read, healthcare policies are set for this year. It would effect the 2018 policies if things get in place.
I would also like to know who actually has healthcare right not with Obamacare? Outrageous premiums and high deductibles is not healthcare....It is catastrophic medical insurance.
Here is part of the new plan to fix Obamacare.
"Republican leaders have indicated that they intend to replace the ACA in a piecemeal manner rather than in one fell swoop, and the Energy and Commerce hearings — and bills that will be introduced to accompany them — appear to focus on smaller-bore policy issues.
Zach Hunter, an Energy and Commerce spokesman, confirmed that hearings are planned but did not specify details.
“Next week, the committee will begin taking action on legislation to help rebuild our health-care system with thoughtful, step-by-step reforms in order to bring badly needed relief to patients and families across the country,” he said.
Rep. Greg Walden (R-Ore. ), the Energy and Commerce chairman, said last week in a Politico interview that he would embark on a swift but careful mission to overhaul the ACA: “We need to work aggressively on the repairs to the individual market, to Obamacare. Some might call that replacement. I call that a rebuild. I call it repair.”
We bought our plan through the exchange. It's an HSA with a $3600 deductible, and I took advantage of farm incomes being down and got a subsidy. If we do better than I anticipate this year, we can just pay it back in a lump sum with our taxes. That's better than borrowing money through the year to pay the whole premium monthly. It's still more expensive than it should be for this level of coverage, but it was the best I could do. | |
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 Hummer's Hero
Posts: 3071
Location: Smack Dab in the Middle | ~BINGO~ - 2017-01-26 10:07 AM
RockinGR - 2017-01-26 7:42 AM
IRunOnFaith - 2017-01-25 3:55 PM
stayceem - 2017-01-25 3:37 PM IRunOnFaith - 2017-01-25 3:28 PM I have a friend who also voted for Trump but is scared because her employer only offers Obama Care. Her policy is getting canceled soon and her son is in the hospital and has been for months. He's currently in rehab/physical therapy learning to talk, walk, eat, etc. and when the insurance gets cut off she was informed by the billing department that she will be considered self pay. She then has to start paying out of pocket. They can't afford the cost and are in danger of loosing their spot in the PT department and losing the room they are in to other patients who are waiting who have insurance. They are scared as to what is going to happen when their policy is no longer valid and they cannot pay.
Does anyone have any insight on how the policies will either transfer to a different policy, or if these specific people will have to shop for healthcare? She has her entire family on her plan and has shopped. So far she can't afford insurance for anyone but herself.
Thoughts on transition of policies for healthcare? I am by no means a guru at this but I am self-employed and I didn't qualify through our state due to income. We have MNSURE, so I had to shop privately and bought insurance. I would assume your friend could do the same?
I was juyst curious if anyone had any insight as to what would happen when the policies run out....
Holy crap, I wish I could find a family plan for $500 self pay. I pay almost $600 for MY SHARE of my employer shared plan through BCBS, for a family of 4. It is almost double that if I get it on my own. My husband is self employed and we make too much to qualify for any credits. My cost was set to increase 24% for 2017, or I had the option to take a plan for "selective care" meaning I cannot choose my hospital if we need hospital care.
And we almost never go to the Dr except routine stuff for our boys. $5000 deductible means we pay for everything anyway. My 1 year old went to the ER in October, 1 shot of lidicane and 7 stitches was OVER $1000...after insurance (which paid a whopping $136 )! They didn't even clean all the blood off of him. And I took the stitches out myself or who knows how much that would have been.
5 years prior (before ACA ) I had to take my first son to the ER for dehydration, fever, and the start of pneumonia. IV fluids, Xray, etc...$44 was my share.
This is precisely why we don't have insurance. I'm a "homemaker", started out as a stay at home mom, but with a daughter who is almost in the third grade, I can't really call it that anymore ; ). My husband is considered self employed as we own a small business that contracts under a larger carrier. Hubby makes enough that we don't qualify for any health insurance breaks. It is over $800/month, $10,000 deductible to insure my husband, myself and our child. We are all very healthy. Hubby is 32, I'm 28. We decided to go without insurance as the penalty is less than a couple months worth of payments.
Our daughter broke her collarbone a few years ago, and after x rays and learning there was nothing to help heal, we were in the hole about $3,000. Still much lower than what our deductible would have been. We just pay everything out of pocket.
We are hopeful that one day we can afford insurance, and it be feesable for us. But until then, I'm just prayerful that we don't need major medical for any reason.
I've been so close to doing this, but scared off by the claims that the penalty increases by nearly 100%.
My thoughts...I can put that $8500 per year in a savings to have if we do need it (and yes I am disciplined enough to have a savings that I don't take from)--which if I'd done for the 6 years that we've carried a family plan we'd have used substantially less than 50% of it. Which means, even after paying the penalty I'd have nearly $30k earning interest for me, instead of paying for someone else. Even more if you count the years that I had an individual plan prior to starting my family. And it'd be saving my employer money to boot. | |
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 Googly Goo
Posts: 7053
| Bear - 2017-01-25 4:04 PM This is his 3rd day in office. He's been working non-stop. He will get to working with them. I think his seemingly outrageous remarks are deliberate, intended to send the liberal media off on a feeding frenzy where they focus on ripping him apart, meanwhile while they chew on the rotting carcass like flies, he walks in the pantry and steals the cookies. It's a diversionary tactic.
It's most certainly deliberate but I don't think it's a diversion. It's a negotiation strategy. Everything to Trump is a negotioation. | |
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 Money Eating Baggage Owner
Posts: 9586
Location: Phoenix | Feeling VERY thankful for my healthcare I get through my work after reading how much you are all paying. Something's gotta give. Isn't there only one provider left in the ACS marketplace now?! | |
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 A Somebody to Everybody
Posts: 41354
Location: Under The Big Sky Of Texas | We have no insurance we pay all out needs outa pocket, I'm so thankful Trump lifted the penalty for all of us that dont have insurance..  | |
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"Heck's Coming With Me"
Posts: 10797
Location: Kansas | Southtxponygirl - 2017-01-26 5:53 PM We have no insurance we pay all out needs outa pocket, I'm so thankful Trump lifted the penalty for all of us that dont have insurance..
I have insurance and still pay everything out of pocket.
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 BHW Jr. Cougar of the Year
Posts: 14957
Location: Heart of Texas | I'm a single mom of one child. I filled out the online thing for a laugh to see what obamacare would be for me only. I make decent money, nothing crazy and it was $800 a month. lol No thanks. I pay $300 at work, I'll just stick with that, even though it's doubled in price these last few years. | |
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Elite Veteran
Posts: 618
| The only thing the Executive Order on healthcare did was instruct agencies in charge to NOT enforce the mandates. Essentially meaning your not getting taxed or fined.
To the poster who's friend is losing her insurance, that's the company she works for doing that. It's my understanding that the Obamacare is still in place and people can still sign up.
To all of you healthy, no issues paying outrageous premium for your ACA approved plans cancel them. There are insurance companies selling plans but are not approved under the law, Without mandate/fine for not having an aca approved plan you can buy any policy now if they accept you. It's what I do. Besides the only way they police it is via tax returns. Your cpa is NOT authorized to require you prove it. They only ask if you have insurance. I say I do bc I do just not an aca approved plan. | |
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Industrial Srength Barrel Racer
Posts: 7268
| My sister in law is crying about losing Obamacare - it is about to KILL me to not say, "WHY DON'T YOU GET A FREAKING JOB?" - She is 52 and "retired" - sorry, but you (more than likely) don't RETIRE at 50, you QUIT your job. (She had a good job with GOOD bennies working for the state).
Sorry, had to rant. Off my soapbox. | |
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"Heck's Coming With Me"
Posts: 10797
Location: Kansas | Griz - 2017-01-27 5:58 AM My sister in law is crying about losing Obamacare - it is about to KILL me to not say, "WHY DON'T YOU GET A FREAKING JOB?" - She is 52 and "retired" - sorry, but you (more than likely) don't RETIRE at 50, you QUIT your job. (She had a good job with GOOD bennies working for the state). Sorry, had to rant. Off my soapbox.
I love soapboxes. Mine has little wheels on the bottom so I can get around faster to irritate more liberals. It's so fun and easy.
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Industrial Srength Barrel Racer
Posts: 7268
| Frodo - 2017-01-27 6:08 AM
Griz - 2017-01-27 5:58 AM My sister in law is crying about losing Obamacare - it is about to KILL me to not say, "WHY DON'T YOU GET A FREAKING JOB?" - She is 52 and "retired" - sorry, but you (more than likely) don't RETIRE at 50, you QUIT your job. (She had a good job with GOOD bennies working for the state). Sorry, had to rant. Off my soapbox.
I love soapboxes. Mine has little wheels on the bottom so I can get around faster to irritate more liberals. It's so fun and easy.
Love it!  | |
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Elite Veteran
Posts: 618
| Idiot Jonathan Gruber architect of Obozocare said last night that peoplej ist don't understand all the law has done to help them and it was never meant to benefit everyone, only the 20% who couldn't get insurance for whatever reason. | |
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Regular
Posts: 81
| If she is referencing the vote that took place on 1/11/17 then YES it appears they voted to repeal healthcare and not replace, repeal healthcare for women and not replace it, repeal health benefits for veterans...etc. However, as a Servicemember, I actually went in and read the notes on the vote because it bothered me that our state senator (who is a female and a veteran) would vote for that. I noticed every vote had the verbiage "deficit neutral reserve fund" in front of all the items members were voting for, so I looked up what that term means... What it means is - funds IN ADDITION to what had already been budgeted for the year and they were voting to increase/decrease spending. So by the republicans refusing to approve each of those bills - it saved excess spending in each of those categories.
The website is www.congress.gov/congressional-record - and then all you have to do is look up the dates to see what specifically was voted on.
That part is fact - my opinion is they are waiting to spend any more money til they can allocate the fudns more accurately based on a revised "Trumpcare" if you will - vs throwing good money after bad in a broken system. | |
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 Zeal Queen
Posts: 3826
Location: TEXAS | LOVE LOVE LOVE him!! | |
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Zeal Queen
Posts: 3826
Location: TEXAS | Frodo - 2017-01-27 6:08 AM
Griz - 2017-01-27 5:58 AM My sister in law is crying about losing Obamacare - it is about to KILL me to not say, "WHY DON'T YOU GET A FREAKING JOB?" - She is 52 and "retired" - sorry, but you (more than likely) don't RETIRE at 50, you QUIT your job. (She had a good job with GOOD bennies working for the state). Sorry, had to rant. Off my soapbox.
I love soapboxes. Mine has little wheels on the bottom so I can get around faster to irritate more liberals. It's so fun and easy.
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