Help with Insurance for the daughter

[judyd]

I was all for the public option. I don't understand why so many weren't.

My husband has us both on his company's insurance at a little over $500 a month. It is pretty much worthless to us because the deductible is $5,000 each. So far, praise the Lord, we haven't needed to use it. I do have to get eyedrops every month though at $100 a month, which isn't covered and have to go to the ophthalmologist every three months--again not covered, even though they do extensive testing. I would buy the eyedrops from Canada in a minute--they cost about $30, except they have to be refrigerated, and I wouldn't trust it.

Those of you who are blaming Obama for this mess seem to be misguided. The insurance companies have been ripping the country off for years now. And you want to talk about "death panels"? Just try to get your insurance company to pay for a heart bypass operation if you're over 75 or 80. They have had their own "death panels" for years. They are not going to pay for a procedure for someone they deem too old.

 

[Revere]

What I have learned..

So...depending on needs, young and mostly healthy young people can get solid health coverage for only around $35 a week.
$35 a week.
I don't understand. That is about the cost of cigarettes. If coverage is this cheap then what is all the fuss about? If coverage is this cheap than we don't need mandated coverage for young adults - who can't afford $35 a week?

Correct. Because the mandated coverage will be loaded with mandated services, and you'll no longer to buy it on the cheap.

And your kids' premiums will be sky high because she'll be forced into the same risk pool as all the sick old bastards who don't buy insurance until they are dying.

You'd be better off quitting your job, smoking cigarettes and going on Medicaid.

 

[Revere]

I was all for the public option. I don't understand why so many weren't.

It's a false utopia.

 

[Greenbeard]

Correct. Because the mandated coverage will be loaded with mandated services, and you'll no longer to buy it on the cheap.

And your kids' premiums will be sky high because she'll be forced into the same risk pool as all the sick old bastards who don't buy insurance until they are dying.

People under 30 buying coverage in the individual market can still buy catastrophic (i.e high-deductible, low premium) coverage after the ACA takes full effect.

 

[sangha]

Before Obamacare, the carrier would cover the kid.

After Obamcare, the carrier won't cover the kid.

What part of that don't you understand?

The part where the free market hypocrits complain about the ins co's decision

Other ins co's aren't refusing to cover the dependents who work. No one is forcing the OP ins co to do this. You just can't help but lie

And the real reason the kids coverage is being cancelled....It's because I started eating liverwurst. Before liverwurst, the carrier would cover the kid.

After liverwurst, the carrier wont cover the kid.

What part of that don't you understand?

 

[Revere]

Correct. Because the mandated coverage will be loaded with mandated services, and you'll no longer to buy it on the cheap.

And your kids' premiums will be sky high because she'll be forced into the same risk pool as all the sick old bastards who don't buy insurance until they are dying.

People under 30 buying coverage in the individual market can still buy catastrophic (i.e high-deductible, low premium) coverage after the ACA takes full effect.

Not the same plans you can buy now, since they will mandate office visits and preventative care.

http://www.younginvincibles.org/News/Releases/20101004_YI_Exchange_Comments.pdf

HHS should take into account the interest of young adults by requiring catastrophic plans
meet strong standards before being allowed onto exchanges. The Patient Protection and
Affordable Care Act (“ACA”) created catastrophic plans specifically for people under 30
and for those unable to afford other insurance. These plans are required under the ACA
to have extremely high deductibles before any claims are paid. Because the plans offer
minimal benefits, HHS must set rules to ensure that potential enrollees know what they
are purchasing, and that the primary care visits included in the plans cover as wide array
of services as possible.
a) Ensuring All Plans Offer 3 Primary Visits with No Cost-sharing
As an initial matter, HHS should write regulations making clear that all qualifying
catastrophic plans must cover 3 primary care visits with little or no cost-sharing. The
ACA requires that these visits be provided pre-deductible, and HHS should ensure that
the full intent of requiring low cost primary care be reflected in the regulatory language.2
The subsection describing catastrophic plans mandates that they provide no benefits until
an enrollee pays a nearly $6,000 deductible, except that all such plans must cover at least
three primary care visits.3 The language clearly intends that primary care must be covered
“pre-deductible,” and a plan providing coverage for primary care only after an enrollee
pays the entire deductible should not within the scope of the language. Regulations
should make sure to avoid any misguided interpretation as permitting, but not requiring,
primary care coverage pre-deductible. This interpretation would not follow the intent of
the drafters. HHS can avoid the possibility of confusion by stating that all catastrophic
plans must cover at least three primary care visits prior to the insured paying down the
deductible.
Additionally, HHS should clarify that the primary care visits provided pre-deductible are
offered with little or no cost-sharing, like the preventive care services provided predeductible.
The primary care services were offered as a way to give young adults and
low-income enrollees access to at least basic care, and allowing for high levels of
burdensome cost-sharing would defeat the purpose of adding this important provision. In
other words, allowing a $100 or more co-pay for a simple primary care visit should not
be allowed under the legislation.
b) A Broad Definition of Primary Care
HHS should also ensure that young adults with catastrophic plans can access as wide a
range of services as possible with their three primary care visits. The ACA does not
define primary care for purposes of the catastrophic plan, leaving room for the agency to
set a minimum standard for plans.
2 ACA

Those won't be "free."

 

[sangha]

What I have learned..

So...depending on needs, young and mostly healthy young people can get solid health coverage for only around $35 a week.
$35 a week.
I don't understand. That is about the cost of cigarettes. If coverage is this cheap then what is all the fuss about? If coverage is this cheap than we don't need mandated coverage for young adults - who can't afford $35 a week?

Wingnuts will just never get it!!!

It doesn't matter how affordable the coverage is for some people. They won't buy coverage, no matter what the price. And when some of those uninsured young people get in accidents (as young people regularly DO) and require costly hospitalization and rehabilitation, then it raises the costs for everyone

Now, because if HCR EVERYONE has to buy insurance, so the costs of these accidents are now shared by EVERYONE, and not just a few. This is why, in general, larger pools have lower premiums than smaller pools with similar coverage.

 

[Revere]

What I have learned..

So...depending on needs, young and mostly healthy young people can get solid health coverage for only around $35 a week.
$35 a week.
I don't understand. That is about the cost of cigarettes. If coverage is this cheap then what is all the fuss about? If coverage is this cheap than we don't need mandated coverage for young adults - who can't afford $35 a week?

Wingnuts will just never get it!!!

It doesn't matter how affordable the coverage is for some people. They won't buy coverage, no matter what the price. And when some of those uninsured young people get in accidents (as young people regularly DO) and require costly hospitalization and rehabilitation, then it raises the costs for everyone

Now, because if HCR EVERYONE has to buy insurance, so the costs of these accidents are now shared by EVERYONE, and not just a few. This is why, in general, larger pools have lower premiums than smaller pools with similar coverage.

Why should the kid be forced off coverage she already has?

 

[sangha]

Correct. Because the mandated coverage will be loaded with mandated services, and you'll no longer to buy it on the cheap.

And your kids' premiums will be sky high because she'll be forced into the same risk pool as all the sick old bastards who don't buy insurance until they are dying.

People under 30 buying coverage in the individual market can still buy catastrophic (i.e high-deductible, low premium) coverage after the ACA takes full effect.

Not the same plans you can buy now, since they will mandate office visits and preventative care.

http://www.younginvincibles.org/News/Releases/20101004_YI_Exchange_Comments.pdf

HHS should take into account the interest of young adults by requiring catastrophic plans
meet strong standards before being allowed onto exchanges. The Patient Protection and
Affordable Care Act (“ACA”) created catastrophic plans specifically for people under 30
and for those unable to afford other insurance. These plans are required under the ACA
to have extremely high deductibles before any claims are paid. Because the plans offer
minimal benefits, HHS must set rules to ensure that potential enrollees know what they
are purchasing, and that the primary care visits included in the plans cover as wide array
of services as possible.
a) Ensuring All Plans Offer 3 Primary Visits with No Cost-sharing
As an initial matter, HHS should write regulations making clear that all qualifying
catastrophic plans must cover 3 primary care visits with little or no cost-sharing. The
ACA requires that these visits be provided pre-deductible, and HHS should ensure that
the full intent of requiring low cost primary care be reflected in the regulatory language.2
The subsection describing catastrophic plans mandates that they provide no benefits until
an enrollee pays a nearly $6,000 deductible, except that all such plans must cover at least
three primary care visits.3 The language clearly intends that primary care must be covered
“pre-deductible,” and a plan providing coverage for primary care only after an enrollee
pays the entire deductible should not within the scope of the language. Regulations
should make sure to avoid any misguided interpretation as permitting, but not requiring,
primary care coverage pre-deductible. This interpretation would not follow the intent of
the drafters. HHS can avoid the possibility of confusion by stating that all catastrophic
plans must cover at least three primary care visits prior to the insured paying down the
deductible.
Additionally, HHS should clarify that the primary care visits provided pre-deductible are
offered with little or no cost-sharing, like the preventive care services provided predeductible.
The primary care services were offered as a way to give young adults and
low-income enrollees access to at least basic care, and allowing for high levels of
burdensome cost-sharing would defeat the purpose of adding this important provision. In
other words, allowing a $100 or more co-pay for a simple primary care visit should not
be allowed under the legislation.
b) A Broad Definition of Primary Care
HHS should also ensure that young adults with catastrophic plans can access as wide a
range of services as possible with their three primary care visits. The ACA does not
define primary care for purposes of the catastrophic plan, leaving room for the agency to
set a minimum standard for plans.
2 ACA

Those won't be "free."

Wingnuts think health care insurance shouldn't cover the cost of health care

 

[sangha]

What I have learned..

So...depending on needs, young and mostly healthy young people can get solid health coverage for only around $35 a week.
$35 a week.
I don't understand. That is about the cost of cigarettes. If coverage is this cheap then what is all the fuss about? If coverage is this cheap than we don't need mandated coverage for young adults - who can't afford $35 a week?

Wingnuts will just never get it!!!

It doesn't matter how affordable the coverage is for some people. They won't buy coverage, no matter what the price. And when some of those uninsured young people get in accidents (as young people regularly DO) and require costly hospitalization and rehabilitation, then it raises the costs for everyone

Now, because if HCR EVERYONE has to buy insurance, so the costs of these accidents are now shared by EVERYONE, and not just a few. This is why, in general, larger pools have lower premiums than smaller pools with similar coverage.

Why should the kid be forced off coverage she already has?

She wasnt forced off of anything. She was dropped because the insurance co decided to drop her

 

[Revere]

Before Obamacare, the carrier would cover the kid.

After Obamcare, the carrier won't cover the kid.

What part of that don't you understand?

The part where the free market hypocrits complain about the ins co's decision

Other ins co's aren't refusing to cover the dependents who work. No one is forcing the OP ins co to do this. You just can't help but lie

And the real reason the kids coverage is being cancelled....It's because I started eating liverwurst. Before liverwurst, the carrier would cover the kid.

After liverwurst, the carrier wont cover the kid.

What part of that don't you understand?

Obamacare broke a system that worked just fine for them, ass hole.

 

[Revere]

Wingnuts will just never get it!!!

It doesn't matter how affordable the coverage is for some people. They won't buy coverage, no matter what the price. And when some of those uninsured young people get in accidents (as young people regularly DO) and require costly hospitalization and rehabilitation, then it raises the costs for everyone

Now, because if HCR EVERYONE has to buy insurance, so the costs of these accidents are now shared by EVERYONE, and not just a few. This is why, in general, larger pools have lower premiums than smaller pools with similar coverage.

Why should the kid be forced off coverage she already has?

Because the insurance co decided to drop her

Because Obamacare changed the rules and broke something that was working just fine.

 

[sangha]

Before Obamacare, the carrier would cover the kid.

After Obamcare, the carrier won't cover the kid.

What part of that don't you understand?

The part where the free market hypocrits complain about the ins co's decision

Other ins co's aren't refusing to cover the dependents who work. No one is forcing the OP ins co to do this. You just can't help but lie

And the real reason the kids coverage is being cancelled....It's because I started eating liverwurst. Before liverwurst, the carrier would cover the kid.

After liverwurst, the carrier wont cover the kid.

What part of that don't you understand?

Obamacare broke a system that worked just fine for them, ass hole.

Free market hypocrits whine when the free market makes a decision they don't like

 

[sangha]

Why should the kid be forced off coverage she already has?

Because the insurance co decided to drop her

Because Obamacare changed the rules and broke something that was working just fine.

If wingnuts didn't lie, they'd have nothing to say

HCR allows the ins co to continue covering the kid. The ins co decided to drop the kid.

 

[Revere]

Dropped because Obamacare priced dependent coverage out of reach.

All cults end badly, shit head.

Your purple lipped lying sack of socialism is breaking things that didn't need fixing.

 

[judyd]

Dropped because Obamacare priced dependent coverage out of reach.

All cults end badly, shit head.

Your purple lipped lying sack of socialism is breaking things that didn't need fixing.

Our insurance was ridiculously high and worthless long before obama got into trying to do something to make it equitable. You should be angry with the insurance companies because they are scrambling to continue to cheat the American public. The country would probably be better off without any insurance at all. I remember when my father paid for three of us to have appendectomies without insurance--and he didn't go broke. Once insurance takes over, prices go up. Just look at dental care, veterinarian care, medical care--these were all affordable until insurance companies got into the mix and the providers decided the sky's the limit.

 

[Revere]

Dropped because Obamacare priced dependent coverage out of reach.

All cults end badly, shit head.

Your purple lipped lying sack of socialism is breaking things that didn't need fixing.

Our insurance was ridiculously high and worthless long before obama got into trying to do something to make it equitable. You should be angry with the insurance companies because they are scrambling to continue to cheat the American public. The country would probably be better off without any insurance at all. I remember when my father paid for three of us to have appendectomies without insurance--and he didn't go broke. Once insurance takes over, prices go up. Just look at dental care, veterinarian care, medical care--these were all affordable until insurance companies got into the mix and the providers decided the sky's the limit.

Insurance companies were around when you got your appendectomies.

It's not going to be cheaper and you're not going to get more health care thanks to Obama.

Grow up.

 

[judyd]

Dropped because Obamacare priced dependent coverage out of reach.

All cults end badly, shit head.

Your purple lipped lying sack of socialism is breaking things that didn't need fixing.

Our insurance was ridiculously high and worthless long before obama got into trying to do something to make it equitable. You should be angry with the insurance companies because they are scrambling to continue to cheat the American public. The country would probably be better off without any insurance at all. I remember when my father paid for three of us to have appendectomies without insurance--and he didn't go broke. Once insurance takes over, prices go up. Just look at dental care, veterinarian care, medical care--these were all affordable until insurance companies got into the mix and the providers decided the sky's the limit.

Insurance companies were around when you got your appendectomies.

It's not going to be cheaper and you're not going to get more health care thanks to Obama.

Grow up.

No, we're not going to get more health care with Obama because of brainless twits who just don't get it. And no, insurance was not that common when we had appendectomies. For some reason there are those of you who think that health insurance is fine to be a major expense for a family. Not HEALTH CARE--HEALTH INSURANCE. You might be perfectly healthy, but the insurance you're carrying is a major expense now. It wasn't when I raised my son. It was $25 a month for the two of us. Now families are really getting stretched--especially those who work for small businesses.

I am baffled by those of you who think this is just fine.

 

[sangha]

Dropped because Obamacare priced dependent coverage out of reach.

All cults end badly, shit head.

Your purple lipped lying sack of socialism is breaking things that didn't need fixing.

Idiot wingnut doesn't realize that the OP priced coverage for the kid and is now wondering why it is so cheap!

 

[Revere]

Our insurance was ridiculously high and worthless long before obama got into trying to do something to make it equitable. You should be angry with the insurance companies because they are scrambling to continue to cheat the American public. The country would probably be better off without any insurance at all. I remember when my father paid for three of us to have appendectomies without insurance--and he didn't go broke. Once insurance takes over, prices go up. Just look at dental care, veterinarian care, medical care--these were all affordable until insurance companies got into the mix and the providers decided the sky's the limit.

Insurance companies were around when you got your appendectomies.

It's not going to be cheaper and you're not going to get more health care thanks to Obama.

Grow up.

No, we're not going to get more health care with Obama because of brainless twits who just don't get it. And no, insurance was not that common when we had appendectomies. For some reason there are those of you who think that health insurance is fine to be a major expense for a family. Not HEALTH CARE--HEALTH INSURANCE. You might be perfectly healthy, but the insurance you're carrying is a major expense now. It wasn't when I raised my son. It was $25 a month for the two of us. Now families are really getting stretched--especially those who work for small businesses.

I am baffled by those of you who think this is just fine.

It's not perfect, but it's not worth throwing away for the promises of people who have accomplished nothing.

Unless you got your appendectomy before WWII, which would make you about 80 years old, insurance was available.

Insurance did not get expensive until government programs started shifting costs, beginning in the 1960s.