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Preventive care costs next to nothing and the premiums/deductibles are certainly higher in the Silver plan. Depending on what state you live in a LOT higher.Define 'better'.Silver plans are fine. Better than what was available to middle class workers pre-ACA.
They cover you more fully with preventive care, no caps and no denials of service for comparable cost. That's better.
those look suspiciously like the plans he criticized but only higher priced......The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.
For a single person:
Premiums: $300-700 for Bronze, $400-1000
Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)
Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver
Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better
Doctor availability: very small since many doctors opt out.
These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!
View attachment 167648
This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!
Sent from my iPhone using USMessageBoard.com
. A co-worker had gotten the AC-cough-A for his wife, and yep you are right that it was pure garbage. No one decent would take it, and his wife might as well have threw her & his money right out of the window. The same result would have happened (nothing).The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.
For a single person:
Premiums: $300-700 for Bronze, $400-1000
Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)
Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver
Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better
Doctor availability: very small since many doctors opt out.
These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!
View attachment 167648
This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!
Sent from my iPhone using USMessageBoard.com
. Cost my friend for his wife $600.00 dollars a month. Wasn't any good.Sis is on ACA, went in ER for infection & got admitted to the hospital for a week. Total cost was only $250
I'd like to see what plan participants paid total for a year vs what the insurance companies paid in claims that would be quite telling. My co-pay is 10% after a $1,300 deductible and they pay 100% after I have paid $2,500 out of pocket for the year.
By law insurance companies have to pay out 80% on claims for individual plans or 85% on group plans, it was a lot less before obamacare.
Obamacare Bronze only pays 60% hello.
Before the ACA they didn't HAVE TO pay shit.
Go back to your Oreo's and milk
What's that, dummy? Have a problem with someone who knows the subject? Too bad. Run.
I'd like to see what plan participants paid total for a year vs what the insurance companies paid in claims that would be quite telling. My co-pay is 10% after a $1,300 deductible and they pay 100% after I have paid $2,500 out of pocket for the year.
By law insurance companies have to pay out 80% on claims for individual plans or 85% on group plans, it was a lot less before obamacare.
Obamacare Bronze only pays 60% hello.
Hello, the law said claims paid on a whole for individual plans had to be 80% and 85% on group. Research it. That is why some people get a small refund each year from the insurance company although I haven't heard of one in the past couple years so they're paying out what the are suppose to. 60/40 is an actuarial value. Research.
The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.
For a single person:
Premiums: $300-700 for Bronze, $400-1000
Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)
Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver
Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better
Doctor availability: very small since many doctors opt out.
These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!
View attachment 167648
This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!
Sent from my iPhone using USMessageBoard.com
. Now it is true that the insurance premiums we're going crazy before the crats intervened. The problem is that the corrupt crats saw it as an opportunity, and so they pounced on it. Then we got something way worse as working people, but if you were barely working or jobless you came out like a bandit with a B. Pathetic.The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.
For a single person:
Premiums: $300-700 for Bronze, $400-1000
Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)
Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver
Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better
Doctor availability: very small since many doctors opt out.
These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!
View attachment 167648
This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!
Sent from my iPhone using USMessageBoard.com
Sure, let’s go back to republic insurance plans before 2010 which one would pay for and never get a benefit from.
Dude, stay in your happy idiot lane.
Silver plans are fine. Better than what was available to middle class workers pre-ACA.
I'd like to see what plan participants paid total for a year vs what the insurance companies paid in claims that would be quite telling. My co-pay is 10% after a $1,300 deductible and they pay 100% after I have paid $2,500 out of pocket for the year.
By law insurance companies have to pay out 80% on claims for individual plans or 85% on group plans, it was a lot less before obamacare.
anyone who is poor on the exchange, also get cost sharing reductions in addition to premium help, which makes their copays, deductibles and out of pocket expenses much less than the shown deductibles....
otherwise, you are right about the insurance plans and their very high deductibles and out of pocket expenses....However what you fail to mention is that individual plans were always expensive....
in 2006, here in Maine when we moved here, before Matthew found a job, we were paying around $700 a month for COBRA, so I priced with Anthem, Blue Cross Blue shield an individual policy for Matt and me and it was $2400 a month for our premium. I was absolutely shell shocked! That was in 2006!!!! We thought the $700 from COBRA was way too high, considering we had no income coming in at that time....boy oh boy were we wrong!!!
My State is like the worst State in the Nation when it comes to health insurance costs....and I have no idea why, other than many of us are rural or maybe no doctors want to live here, unless they are Nature lovers too??? It's just gosh awful here on healthcare costs....
Needless to say, Matt took any job he could at the time, just to get healthcare insurance coverage as a benefit....
The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.
For a single person:
Premiums: $300-700 for Bronze, $400-1000
Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)
Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver
Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better
Doctor availability: very small since many doctors opt out.
These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!
View attachment 167648
This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!
Sent from my iPhone using USMessageBoard.com
Was a comparable plan, minus the subsidy, cheaper before Obamacare?
I'd like to see what plan participants paid total for a year vs what the insurance companies paid in claims that would be quite telling. My co-pay is 10% after a $1,300 deductible and they pay 100% after I have paid $2,500 out of pocket for the year.
By law insurance companies have to pay out 80% on claims for individual plans or 85% on group plans, it was a lot less before obamacare.
Obamacare Bronze only pays 60% hello.
Hello, the law said claims paid on a whole for individual plans had to be 80% and 85% on group. Research it. That is why some people get a small refund each year from the insurance company although I haven't heard of one in the past couple years so they're paying out what the are suppose to. 60/40 is an actuarial value. Research.
Sis is on ACA, went in ER for infection & got admitted to the hospital for a week. Total cost was only $250
Each plan is designed differently. Also, CSR's come into play on silver.
Preventive care costs next to nothing and the premiums/deductibles are certainly higher in the Silver plan. Depending on what state you live in a LOT higher.Define 'better'.Silver plans are fine. Better than what was available to middle class workers pre-ACA.
They cover you more fully with preventive care, no caps and no denials of service for comparable cost. That's better.
Nope. Not with subsidies. Middle class families pay the same or less. Sorry.
You left out the fact that there are no caps and no exemptions for preexisting conditions. Very VALUABLE stuff.
And, do you even know what a colonoscopy costs? I paid $75 because the ACA forced my insurer to cover it.
Preventive care costs next to nothing and the premiums/deductibles are certainly higher in the Silver plan. Depending on what state you live in a LOT higher.Define 'better'.Silver plans are fine. Better than what was available to middle class workers pre-ACA.
They cover you more fully with preventive care, no caps and no denials of service for comparable cost. That's better.
Nope. Not with subsidies. Middle class families pay the same or less. Sorry.
You left out the fact that there are no caps and no exemptions for preexisting conditions. Very VALUABLE stuff.
And, do you even know what a colonoscopy costs? I paid $75 because the ACA forced my insurer to cover it.
Not true. That vast majority of people pay a ton more!
Sent from my iPhone using USMessageBoard.com
Silver plans are fine. Better than what was available to middle class workers pre-ACA.
Bullshit!
This is an actual Silver plan quote for a SINGLE INDIVIDUAL:
$5k deductible
$415 premium ($4,980 a yr)
70/30
View attachment 167675
Silver plans are garbage.
Note: Gold plans are the equivalent of a low level group plan.
Sent from my iPhone using USMessageBoard.com
does your company not offer healthcare insurance as a benefit that he and his wife could buy in to?. A co-worker had gotten the AC-cough-A for his wife, and yep you are right that it was pure garbage. No one decent would take it, and his wife might as well have threw her & his money right out of the window. The same result would have happened (nothing).The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.
For a single person:
Premiums: $300-700 for Bronze, $400-1000
Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)
Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver
Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better
Doctor availability: very small since many doctors opt out.
These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!
View attachment 167648
This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!
Sent from my iPhone using USMessageBoard.com
He kept it two years, dropped it, and started paying the dam fine. She has been suffering with her back ever since. Him and her are paying out of pocket for her care now, but they are having to be very careful while doing so. So far they have paid for shots in her back, but that's not lasting long enough.
Trust me, this guy don't like Obama for the bullcrap he was either involved in or helped to orchastrate in the healthcare situation.
