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We have and along with it we were informed that because of the new Obamcare bill we will see an increase in our policy rates jump anywhere from 16% to 18%. Not only will our monthly premiums sky rocket but our co pay will jump from $35 per visit to $50.
So the lies from the democrats were just that, BIG OLE STINKING PILE OF SHIT LIES.
Mine did that Before healthcare reform. Who do I blame for that?
I believe he is pointing out the LIE, that Obamacare was going to lower our costs.
No insurance regulator would bless an 18% increase across the board for any group merely because some members might be adding a college student to their policies
LOL it is more than just that honey.
The end of caps on life time pay outs, and more imporatantly the Mandate to force coverage of all pre existing conditions Constitute A MASSIVE increase in costs to an industry that operates on a 3% profit Margin.
I'm sorry but if you think those things are not directly related to higher premiums, you are rather naive.
Health care costs rose about 12% in the past year. I think you guys are listening to bullshit. Too few Obamacare provisions have gone into effect to account for any significant increase in rates. Insurance companies do make rates based upon expected experience in the coming year, but those predictions must be actuarially sound. No insurance regulator would bless an 18% increase across the board for any group merely because some members might be adding a college student to their policies.
Insurers are lying, guys. Use your noodles...that ain't so far-fetched, is it?
P.M. Business Links: Health care costs projected up 12%; private company takes over libraries and credit card woes in Europe | cleveland.com
Health care costs rose about 12% in the past year. I think you guys are listening to bullshit. Too few Obamacare provisions have gone into effect to account for any significant increase in rates. Insurance companies do make rates based upon expected experience in the coming year, but those predictions must be actuarially sound. No insurance regulator would bless an 18% increase across the board for any group merely because some members might be adding a college student to their policies.
Insurers are lying, guys. Use your noodles...that ain't so far-fetched, is it?
P.M. Business Links: Health care costs projected up 12%; private company takes over libraries and credit card woes in Europe | cleveland.com
B'loney.
Significant changes are now in effect:
- No pre-existing coverage exclusion for children
- Children covered under parents' policies up through 16 years old
- No lifetime caps on coverage
For a few. Mandatory expanded coverage drives up costs.
Period.
End of story.
Health care costs rose about 12% in the past year. I think you guys are listening to bullshit. Too few Obamacare provisions have gone into effect to account for any significant increase in rates. Insurance companies do make rates based upon expected experience in the coming year, but those predictions must be actuarially sound. No insurance regulator would bless an 18% increase across the board for any group merely because some members might be adding a college student to their policies.
Insurers are lying, guys. Use your noodles...that ain't so far-fetched, is it?
P.M. Business Links: Health care costs projected up 12%; private company takes over libraries and credit card woes in Europe | cleveland.com
B'loney.
Significant changes are now in effect:
- No pre-existing coverage exclusion for children
- Children covered under parents' policies up through 16 years old
- No lifetime caps on coverage
For a few. Mandatory expanded coverage drives up costs.
Period.
End of story.
All true. Mea culpa. I still do not think these changes justify anyone getting a 39% increase in premiums. BTW, mandatory expanded coverage only drives costs up for the healthy. For the sick, they're a fucking bargain. Unless you fancy being disenrolled a few days after filing a claim for pregnancy, cancer, etc.?
WTF is health insurance if only healthy people are insured? A fucking greeting card?
then why was anthem blue cross blue shield BEGGING for the young and healthy to buy in to insurance?
I'm sorry but this health care bill is NOTHING but the golden goose's egg being handed to them on a silver platter....they will become much richer and more profitable with the mandate, and without competition with the Public Option.
Just like when the insurance companies BASICALLY FORCED our government, (though canceling the policies of the elderly or those that were sick), to create health care for the elderly, with medicare...it was the biggest golden egg they could have been handed....not having to worry about the cost of covering the elderly and putting it on to us, the tax payer, was a gift horse to them....
Just as this bill is a gifthorse to them, mandating the healthy and the young to buy in to coverage.
*I have no pity on them or for them, they GOT what they lobbied for and wanted.
then why was anthem blue cross blue shield BEGGING for the young and healthy to buy in to insurance?
Because the young and the healthy pay more compared to their usage of services. For most young folks, insurance is really catastrophic. An individual policy for a young adult has a higher price tag than adding a dependent to a parent's plan. ObamaCare diverts young adults from having their own plan (or none at all) to being a dependent.
I'm sorry but this health care bill is NOTHING but the golden goose's egg being handed to them on a silver platter....they will become much richer and more profitable with the mandate, and without competition with the Public Option.
Just like when the insurance companies BASICALLY FORCED our government, (though canceling the policies of the elderly or those that were sick), to create health care for the elderly, with medicare...it was the biggest golden egg they could have been handed....not having to worry about the cost of covering the elderly and putting it on to us, the tax payer, was a gift horse to them....
Just as this bill is a gifthorse to them, mandating the healthy and the young to buy in to coverage.
*I have no pity on them or for them, they GOT what they lobbied for and wanted.
No, not all. There are (or were) over 1,600 private insurance companies in the U.S. Some mega corps, some smaller companies. What ObamaCare will do is drive the smaller players out of the market and concentrate even more share into the remaining MegaCorps that have the scale and lobbying power to influence regulations in their favor.
It's a Big Government Corporatist scam which will result in higher costs and lower benefits for those who are footing the bill.
I'm sorry but this health care bill is NOTHING but the golden goose's egg being handed to them on a silver platter....they will become much richer and more profitable with the mandate, and without competition with the Public Option.
Just like when the insurance companies BASICALLY FORCED our government, (though canceling the policies of the elderly or those that were sick), to create health care for the elderly, with medicare...it was the biggest golden egg they could have been handed....not having to worry about the cost of covering the elderly and putting it on to us, the tax payer, was a gift horse to them....
Just as this bill is a gifthorse to them, mandating the healthy and the young to buy in to coverage.
*I have no pity on them or for them, they GOT what they lobbied for and wanted.
Anthem Blue Cross and Blue Shield of Colorado, the state’s largest individual-market health-care provider, announced Friday that it will stop selling new child-only individual policies on Sept. 23 because of uncertainty created by new federal mandates.
The company becomes the sixth major insurer to confirm that it is pulling out of the child-only individual market in the past 2-1/2 weeks, including four of the state’s six largest individual insurance providers.
Kaiser Permanente Colorado, which now becomes the largest individual insurance provider continuing to sell child-only policies in the state, has said previously that if too many health plans stop offering the coverage, it will be very difficult for it to continue to provide the coverage and keep rates affordable.
The federal health-care reform package signed into law on March 23 requires that, as of Sept. 23, any insurer offering child-only individual-market plans must make them available to all children, including those with pre-existing conditions for which many insurers have refused to write policies.
Insurers that simply do not offer such child-only policies do not have to conform to the rule.
In a statement, Anthem cited market instability as the reason it will no longer offer such plans, saying the exodus of other insurers has created an “unlevel competitive environment.” Other insurers had used that same reasoning earlier, saying that the fewer companies that offer such plans, the more a small number of companies who stay in the market will be forced to cover the potentially costly care for children with pre-existing conditions.
“Unfortunately, there remains a great deal of uncertainty as to how the rules will be implemented and what the impacts might be on participating insurers,” Anthem said in a statement. “While some carriers may continue to offer child-only policies, other carriers have dealt with this lack of clarity by choosing to discontinue new business sales of their child-only policies. Some have cited the lack of an effective mandate for individuals to obtain coverage, as well as ongoing market uncertainty.”
As with other insurers, the decision will not affect policies currently in place, Anthem said.
Child-only individual insurance makes up just a small portion of the overall health-care market, as one broker estimated it comprises 2 to 5 percent of annual sales. Most children are covered either as dependents on their parents’ individual or group plans or through government programs such as Medicaid, and none of those are effected by these changes in company policies.
But the changes are likely to affect those children whose parents become unemployed and want to get health care just for their children or whose parents go to work for companies that offer only care to their workers and not their dependents.
Starting Sept. 23, adult children will no longer be left to fend for themselves in their search for health insurance. The new federal health law requires that insurers give parents the option of keeping their adult children covered until they're 26 years old. It becomes effective for the health policy at the beginning of the plan year.
New individual and group health plans that provide family benefits are required to extend coverage to young adult children, including those who had previously fallen off their parents' plans. However, if a child has an offer of insurance through a job, some group plans that were in existence when the law was enacted on March 23 can exclude the young adults from their parents' coverage. That exemption expires in 2014.
Married children and financially independent children are eligible for the coverage, but their spouses or children are not.
About 30 percent of young adults do not have health insurance, according to the Department of Health and Human Services. HHS estimates that the new law could provide coverage to about 1.2 million people ages of 19 to 25 who are currently uninsured.
Cost and access are a problem for many of these people. Only 25 percent of young adults are offered insurance through their employers, says Aaron Smith, co-founder of Young Invincibles, a national organization representing the interests of 18-34 year-olds. The organization provides information on this provision at Gettingcovered.org.
Some questions and answers about the change:
New Health Law's Protections For Adult Children Begins - Kaiser Health News
What about pre-existing conditions?
Although the new health law prohibits insurers from denying coverage for children under the age of 19 who have pre-existing conditions, that doesn't apply to young adult children applying for coverage in the individual insurance market. They can be denied coverage because of existing medical conditions or disabilities that require ongoing medical care, says Carrie McLean, consumer specialist at online broker eHealthInsurance.com.
"People automatically assume insurance companies have to allow children back on their plan until age 26. They’ll allow them back on the plan only if they can pass medical underwriting," McLean says. During medical underwriting, insurers review age, gender and health history before offering coverage. That exemption also expires in 2014.
Some young adults joining their parents' employer-sponsored health plans can face a pre-existing condition exclusion for up to 12 months in which care for the existing illness is not covered. The rules vary by state. Once the exclusion period expires, the young adult will be covered for the illness.
I don't understand why you guys think this law will cause the healthy young to buy Insurance.
The fine for not doing so is less than paying for insurance, and with the preexisting conditions mandate. There is nothing to stop them from paying the fine until they get sick, and then getting insurance.
Exactly how is that going to work out with reducing costs
What Company didn't Increase Rates?...
I love it, basically she is admitting that we didn't really need Obamacare. All we really needed was affordable catastrophic Care Coverage for the Healthy young. Instead they decide to force them all into the system to help pay for others.
For a few. Mandatory expanded coverage drives up costs.
Period.
End of story.
I don't understand why you guys think this law will cause the healthy young to buy Insurance.
The fine for not doing so is less than paying for insurance, and with the preexisting conditions mandate. There is nothing to stop them from paying the fine until they get sick, and then getting insurance.
Exactly how is that going to work out with reducing costs
I got mine. No change.
What Company didn't Increase Rates?...
peace...
