ObamaCare's Looming Land Mine

[Care4all]

I put in that a couple's annual income of $30k, 1 person needing the insurance, female, with 1977 as a birth date year...this is what it says:






Coverage and Assistance Eligibility

This eligibility information is an estimate based on your profile.
EST. premium tax credits: $177.98 /mo Learn more about premium tax credits.
Cost sharing reduction plans: You should qualify. Learn more about cost sharing reductions.

Next - View Your Insurance Options

Now that you know how healthcare reform affects you, what's next? Checking out your coverage options. Click "Help Me Choose" to rate plans using your personal preferences or use "Browse Plans" to jump straight to the plans.


Glossary
Cost Sharing Reductions
If you meet income level qualifications, you may be eligible for Cost-Sharing Reductions on Silver level plans. For these plans, the government subsidizes reductions of the Maximum Out-of-Pocket Limit as well as possible reductions in Deductibles, Coinsurance, or Copayments, which means the government will help you as you incur medical expenses.


https://enroll.maineoptions.org/ehp/eapp/ebuyer?execution=e1s3


Then when you go in to the plans, it shows reduced cost sharing for the person applying at that income level....and at that age....

then click on browse plans and go to the Silver Plans.....you will see 3 silver plans, Community Value, Community Choice, and Community Prefered....under each of those you will see 2 plans each, one is the price and deductibles and out of pocket and copays for the normal plan, and the other is the deductibles and out of pocket and copays for those who qualify for the "silver 87" version of the plan, which is the plan that govt will come in with cost sharing on the copays and deductibles etc....

as example the plan shown, "community choice plan":

https://enroll.maineoptions.org/ehp/eapp/ebuyer?execution=e1s4

hope you can get in to that link above!

anyway, where the Community Choice silver plan, it is 30%/70%, $30 copays, 2000 dollar deductible and $6350 out of pocket...

In the cost sharing version for Community Choice silver plan-silver 87 which is the cost sharing plan, it says that the deductible would be $500, the copays would be $10 to see a doc, the out of pocket maximum would be $1500, and the insurance would be 20%/80%
=============================
EDIT
DARN IT! The links don't work...

here you guys try it...use this zip code 04401 http://www.maineoptions.org/Individuals-Families/Compare-Quote-Plans click on GET QUOTE NOW and put in the info, then hit BROWSE PLANS

***

Note that insurance in Maine is and has always been VERY expensive....long before Obamacare

 

[Care4all]

and here is what it says on the kaiser calculator site....

In addition to premium tax credits, cost sharing subsidies are also available for people who make between 100 and 250 percent of the poverty level. Cost sharing subsidies further limit out of pocket costs and raise the actuarial value of Silver plans. In most cases, Silver plans have an actuarial value of 70 percent. However, for people with incomes between 100% and 250% of the poverty level, the actuarial value of Silver plans will range from 94 percent to 73 percent. Reduced out of pocket limits and higher actuarial values are shown in the calculator results when applicable. Cost-sharing subsidies are only available if the eligible person enrolls in a Silver level plan.

 

[Care4all]

She can't because it's made up.

Hmm. You think so?

We'll find out.
But the "cost sharing" of the legislation is designed to help insurance companies manage pools of insureds that end up with higher claims than anyone thought, not to help families with high deductibles. Democrats don't care about poor families, only rich insurers, who of course helped write the bill.

LOOKY LOOKY who's the ill informed and LIAR!

tsk tsk.....you got shown up once again faux rabbi.....

and where in the world did you get that BS that you just posted from....?

SOME ADVICE- don't trust the source you used and never believe them again!

 

[The Rabbi]

Hmm. You think so?

We'll find out.
But the "cost sharing" of the legislation is designed to help insurance companies manage pools of insureds that end up with higher claims than anyone thought, not to help families with high deductibles. Democrats don't care about poor families, only rich insurers, who of course helped write the bill.

LOOKY LOOKY who's the ill informed and LIAR!

tsk tsk.....you got shown up once again faux rabbi.....

and where in the world did you get that BS that you just posted from....?

SOME ADVICE- don't trust the source you used and never believe them again!

Even those on your side understand you lied when you wrote that there will not be any medically related bankruptcies.

 

[Luddly Neddite]

Your son has Medicaid.....and has never been able to use it?

Not what I said. We have insurance through the hub's work. We choose not to use the medicaid (figured someone else could use it more than us) but we always asked every doc we saw (numerous) if they took it. The answer was always no. The only exception was the optometrist and we did use it to get secondary pair of glasses because he broke his all the time when he was young.

The point is, the doctors that we saw did not take medicaid. The same will hold true with (un)aca plans.

That is very odd. I must say.

You're such a diplomat.

===========

... my son has Medicaid and no doctor we have ever gone to has accepted it. Same with Medicare. Same will be true with (un)aca....

The first two statements are unbelievable and the third is just further proof that rw's STILL do not know that ACA/ObamaCare is not a program, not government health care insurance and not a product.

I wonder if they will every learn that simple fact.

 

[bigrebnc1775]

and here is what it says on the kaiser calculator site....

In addition to premium tax credits, cost sharing subsidies are also available for people who make between 100 and 250 percent of the poverty level. Cost sharing subsidies further limit out of pocket costs and raise the actuarial value of Silver plans. In most cases, Silver plans have an actuarial value of 70 percent. However, for people with incomes between 100% and 250% of the poverty level, the actuarial value of Silver plans will range from 94 percent to 73 percent. Reduced out of pocket limits and higher actuarial values are shown in the calculator results when applicable. Cost-sharing subsidies are only available if the eligible person enrolls in a Silver level plan.

What a link says at this point and time is irrelevant We we're lied to or better obamacare defenders were lied to
No one was going to lose their insurance REMEMBER?
You defending a known lie also makes you a liar.

 

[Luddly Neddite]

Funny thing is, the rw's are still defending the insurance companies.

They are incapable of learning.

 

[bigrebnc1775]

Funny thing is, the rw's are still defending the insurance companies.

They are incapable of learning.

The one thing that seems lost to your comprehension the only thing the right wing is defending is OUR rights, not your healthcare coverage nor the insurance companies.
No one has the authority or permission to tell me what I need to have.

 

[Amelia]

Interesting.

Are you 100%, beyond a hair of a doubt certain that what [MENTION=4748]Care4all[/MENTION] said is inaccurate?

That question can be answered completely with a single word, by the way.

What kind of standard is 100% beyond a hair of a doubt? Do you have that certainty with regard to anything?

You said she made it up. You could have said you think she made it up...or she probably made it up. You said it with certainty....I was wondering if you were certain.

I have not heard that claim before....and I am paying attention. So I asked her to provide the source. That is what people do when they are not certain.

I want what she said to be accurate....I am concerned that low income families will have difficulty paying the max out of pocket with some of the ACA plans.

You want what she said to be false.....because you are rooting for the ACA to fail.

I asked for further info.

You claimed that she was lying.

See the difference?

So much irony here.

 

[Zoom-boing]

Not what I said. We have insurance through the hub's work. We choose not to use the medicaid (figured someone else could use it more than us) but we always asked every doc we saw (numerous) if they took it. The answer was always no. The only exception was the optometrist and we did use it to get secondary pair of glasses because he broke his all the time when he was young.

The point is, the doctors that we saw did not take medicaid. The same will hold true with (un)aca plans.

That is very odd. I must say.

You're such a diplomat.

===========

... my son has Medicaid and no doctor we have ever gone to has accepted it. Same with Medicare. Same will be true with (un)aca....

The first two statements are unbelievable and the third is just further proof that rw's STILL do not know that ACA/ObamaCare is not a program, not government health care insurance and not a product.

I wonder if they will every learn that simple fact.

I don't care if you find my statements unbelievable or not. They are true. His medicaid is Keystone Mercy -- his ped did not participate in Keystone Mercy so medicaid was useless at his peds; his eye doc did not participate in Keystone Mercy so medicaid was useless at his eye doc; all the specialists that we saw over the years NONE participated in Keystone Mercy so medicaid was useless at all of those specialists.

You don't know much about how insurance works, do you? Just as docs do not have to accept/participate in medicaid plans they have the choice to not participate in the plans offered on the exchanges.

Don't take my word for it, go do some googling and read.

 

[LoneLaugher]

We'll find out.
But the "cost sharing" of the legislation is designed to help insurance companies manage pools of insureds that end up with higher claims than anyone thought, not to help families with high deductibles. Democrats don't care about poor families, only rich insurers, who of course helped write the bill.

LOOKY LOOKY who's the ill informed and LIAR!

tsk tsk.....you got shown up once again faux rabbi.....

and where in the world did you get that BS that you just posted from....?

SOME ADVICE- don't trust the source you used and never believe them again!

Even those on your side understand you lied when you wrote that there will not be any medically related bankruptcies.

That is not what we were discussing. You are a dishonest person. Come clean.

 

[The Rabbi]

LOOKY LOOKY who's the ill informed and LIAR!

tsk tsk.....you got shown up once again faux rabbi.....

and where in the world did you get that BS that you just posted from....?

SOME ADVICE- don't trust the source you used and never believe them again!

Even those on your side understand you lied when you wrote that there will not be any medically related bankruptcies.

That is not what we were discussing. You are a dishonest person. Come clean.

She posted a claim that there would be no medically related bankrutpcies due to Ocare regs. Even you dont believe that.
At least be honest for one second in your short miserable life.

 

[bigrebnc1775]

LOOKY LOOKY who's the ill informed and LIAR!

tsk tsk.....you got shown up once again faux rabbi.....

and where in the world did you get that BS that you just posted from....?

SOME ADVICE- don't trust the source you used and never believe them again!

Even those on your side understand you lied when you wrote that there will not be any medically related bankruptcies.

That is not what we were discussing. You are a dishonest person. Come clean.

So you're defending obamacare, that makes you a big liar.

 

[Amelia]

It appears that this cost sharing notion is for people who are willing and able to pay the premiums for the silver plan. I'm curious about just how it will work.

It seems to be moot though for those who will struggle to pay bronze level premiums.

Many people are still going to be in such a bind from premiums that they will be reluctant to seek needed care promptly for fear of deductibles. And when they have to go for care the additional hit could still bring on bankruptcy.

And many will still face unfunded catastrophes simply because they couldn't afford the new premiums to begin with.

 

[bigrebnc1775]

Obama admin. knew millions could not keep their health insurance - Investigations

 

[ScreamingEagle]

Funny thing is, the rw's are still defending the insurance companies.

They are incapable of learning.

what the hell gives Obama the right to dictate to the insurance companies....demanding that they sell this or that....?

what the hell gives Obama the right to dictate to you and me....demanding that we buy this or that....?

it appears you lw's are the ones incapable of learning the difference beteween tyranny and freedom....

 

[LoneLaugher]

Even those on your side understand you lied when you wrote that there will not be any medically related bankruptcies.

That is not what we were discussing. You are a dishonest person. Come clean.

She posted a claim that there would be no medically related bankrutpcies due to Ocare regs. Even you dont believe that.
At least be honest for one second in your short miserable life.

The claim was that low income people would get help beyond premium subsidies. You called her a liar for making that claim. The bit about bankruptcies was not the matter that I asked about. You are a man of low character.

You did not admit your mistake and retract your comments. That is because you are a dick.

 

[bigrebnc1775]

That is not what we were discussing. You are a dishonest person. Come clean.

She posted a claim that there would be no medically related bankrutpcies due to Ocare regs. Even you dont believe that.
At least be honest for one second in your short miserable life.

The claim was that low income people would get help beyond premium subsidies. You called her a liar for making that claim. The bit about bankruptcies was not the matter that I asked about. You are a man of low character.

You did not admit your mistake and retract your comments. That is because you are a dick.

irrelevant you've already been lied to in support of obamacare. Regardless what links has been produced you and others like you are defending an already proven and admitted lie.

 

[LoneLaugher]

She posted a claim that there would be no medically related bankrutpcies due to Ocare regs. Even you dont believe that.
At least be honest for one second in your short miserable life.

The claim was that low income people would get help beyond premium subsidies. You called her a liar for making that claim. The bit about bankruptcies was not the matter that I asked about. You are a man of low character.

You did not admit your mistake and retract your comments. That is because you are a dick.

irrelevant you've already been lied to in support of obamacare. Regardless what links has been produced you and others like you are defending an already proven and admitted lie.

I am sure that you find that argument to be riveting. When it came to you, did you lose your breath for a moment?

 

[bigrebnc1775]

The claim was that low income people would get help beyond premium subsidies. You called her a liar for making that claim. The bit about bankruptcies was not the matter that I asked about. You are a man of low character.

You did not admit your mistake and retract your comments. That is because you are a dick.

irrelevant you've already been lied to in support of obamacare. Regardless what links has been produced you and others like you are defending an already proven and admitted lie.

I am sure that you find that argument to be riveting. Wen it came to you, did you lose your breath for a moment?

irrelevant you are supporting an already proven lie makes you and others like you a liar.