Should I go to the "Exchange"?

[hortysir]

So my employer has been providing me with 100% of my health insurance premiums.
When this new year started, they changed providers/plans and went with a "Bronze Plan" equivalent.
It didn't make me look twice, for a while, because my Dr. visit copay didn't change. Then, late one night, excruciating and unbearable pain in my knee sent me to the ER.
Struck me odd that when it came to check out no one asked me for my $150 copay.

Soooo.....I get an email from my provider titled "Claim Information".
It had a run down of my ER charges and how much toward my deductible it was.

Ummm....
$1500!!
That's not the shocker. We all know ER charges are steep.

but

Turns out I still have $2500 to go towards my deductible!

That's right kids....a $4000 deductible, with a $6250 max out-of-pocket
Helluva change from a $1000 deductible last year.



Wonder how much the deductible is that basketball-playing kid's plan is that he only pays $28/month?

 

[hortysir]

Racists!!!!!!

From the site:

Not eligible for help paying for coverage

Since health coverage is available through an employer, you probably arent eligible for help paying for health coverage. Depending on the type and cost of insurance the employer provides, you may still be eligible for help with costs.

However, you can view the prices of private health plans available through the Marketplace.

 

[Moonglow]

Get used to it, companies are joining in on private health exchanges to save money and will cost those insured more money...

 

[hortysir]

Pelosi told me it was "affordable"



Cheapest available plan?


Monthly premium

$837/mo

Deductible



$12,600/yr

Family total
$6,300/yr

Per individual

 

[Rozman]

So my employer has been providing me with 100% of my health insurance premiums.
When this new year started, they changed providers/plans and went with a "Bronze Plan" equivalent.
It didn't make me look twice, for a while, because my Dr. visit copay didn't change. Then, late one night, excruciating and unbearable pain in my knee sent me to the ER.
Struck me odd that when it came to check out no one asked me for my $150 copay.

Soooo.....I get an email from my provider titled "Claim Information".
It had a run down of my ER charges and how much toward my deductible it was.

Ummm....
$1500!!
That's not the shocker. We all know ER charges are steep.

but

Turns out I still have $2500 to go towards my deductible!

That's right kids....a $4000 deductible, with a $6250 max out-of-pocket
Helluva change from a $1000 deductible last year.



Wonder how much the deductible is that basketball-playing kid's plan is that he only pays $28/month?

Sounds like a plan similar to mine.
My company's plan was dropped.
Now I have a $1500 visit to the ER....
A deductible of $6000 and Doctor's office visit and tests done there like EKG and what have you comes out of my pocket...
I just cancelled that appointment....

Colonoscopy....I was going to have one this Summer....
Not now.

Thanks Libs
Thanks Obama..

 

[boedicca]

So my employer has been providing me with 100% of my health insurance premiums.
When this new year started, they changed providers/plans and went with a "Bronze Plan" equivalent.
It didn't make me look twice, for a while, because my Dr. visit copay didn't change. Then, late one night, excruciating and unbearable pain in my knee sent me to the ER.
Struck me odd that when it came to check out no one asked me for my $150 copay.

Soooo.....I get an email from my provider titled "Claim Information".
It had a run down of my ER charges and how much toward my deductible it was.

Ummm....
$1500!!
That's not the shocker. We all know ER charges are steep.

but

Turns out I still have $2500 to go towards my deductible!

That's right kids....a $4000 deductible, with a $6250 max out-of-pocket
Helluva change from a $1000 deductible last year.



Wonder how much the deductible is that basketball-playing kid's plan is that he only pays $28/month?

Sounds like a plan similar to mine.
My company's plan was dropped.
Now I have a $1500 visit to the ER....
A deductible of $6000 and Doctor's office visit and tests done there like EKG and what have you comes out of my pocket...
I just cancelled that appointment....

Colonoscopy....I was going to do one this Summer....
Not now.

Thanks Libs
Thanks Obama..

Well, not using your health care is all part of the Grand Plan. The government wants you to pay for the health insurance so others can get their free contraceptives...and to pay your Social Security and Medicare taxes. But for you to benefit? For Shame. You're just supposed to drop dead when you are no longer a Tax Generation Device.

Hence, using your health care coverage is prohibitively expensive.

 

[hortysir]

So my employer has been providing me with 100% of my health insurance premiums.
When this new year started, they changed providers/plans and went with a "Bronze Plan" equivalent.
It didn't make me look twice, for a while, because my Dr. visit copay didn't change. Then, late one night, excruciating and unbearable pain in my knee sent me to the ER.
Struck me odd that when it came to check out no one asked me for my $150 copay.

Soooo.....I get an email from my provider titled "Claim Information".
It had a run down of my ER charges and how much toward my deductible it was.

Ummm....
$1500!!
That's not the shocker. We all know ER charges are steep.

but

Turns out I still have $2500 to go towards my deductible!

That's right kids....a $4000 deductible, with a $6250 max out-of-pocket
Helluva change from a $1000 deductible last year.



Wonder how much the deductible is that basketball-playing kid's plan is that he only pays $28/month?

Sounds like a plan similar to mine.
My company's plan was dropped.
Now I have a $1500 visit to the ER....
A deductible of $6000 and Doctor's office visit and tests done there like EKG and what have you comes out of my pocket...
I just cancelled that appointment....

Colonoscopy....I was going to have one this Summer....
Not now.

Thanks Libs
Thanks Obama..

$6000?
Damn.....

I did notice, in the plan I quoted, that everything is covered 100% after deductible is met. But $6G???
I've never spent $4G in a year, let alone 6 grand, on health care in my life.
And that includes the year I had foot surgery.


But I guess we better be careful.....
Biden & Co. will call us liars for these tales we weave

 

[Rozman]

Libs will say that I now have a better plan then before and I
should be grateful that Obama came along and provided a better plan.

 

[auditor0007]

So my employer has been providing me with 100% of my health insurance premiums.
When this new year started, they changed providers/plans and went with a "Bronze Plan" equivalent.
It didn't make me look twice, for a while, because my Dr. visit copay didn't change. Then, late one night, excruciating and unbearable pain in my knee sent me to the ER.
Struck me odd that when it came to check out no one asked me for my $150 copay.

Soooo.....I get an email from my provider titled "Claim Information".
It had a run down of my ER charges and how much toward my deductible it was.

Ummm....
$1500!!
That's not the shocker. We all know ER charges are steep.

but

Turns out I still have $2500 to go towards my deductible!

That's right kids....a $4000 deductible, with a $6250 max out-of-pocket
Helluva change from a $1000 deductible last year.



Wonder how much the deductible is that basketball-playing kid's plan is that he only pays $28/month?

Sounds like a plan similar to mine.
My company's plan was dropped.
Now I have a $1500 visit to the ER....
A deductible of $6000 and Doctor's office visit and tests done there like EKG and what have you comes out of my pocket...
I just cancelled that appointment....

Colonoscopy....I was going to have one this Summer....
Not now.

Thanks Libs
Thanks Obama..

While there are some not so great things with the Bronze Plans, as in high deductibles, colonoscopies are considered preventative care and covered 100%. Check into it with your insurance company.

 

[hortysir]

So my employer has been providing me with 100% of my health insurance premiums.
When this new year started, they changed providers/plans and went with a "Bronze Plan" equivalent.
It didn't make me look twice, for a while, because my Dr. visit copay didn't change. Then, late one night, excruciating and unbearable pain in my knee sent me to the ER.
Struck me odd that when it came to check out no one asked me for my $150 copay.

Soooo.....I get an email from my provider titled "Claim Information".
It had a run down of my ER charges and how much toward my deductible it was.

Ummm....
$1500!!
That's not the shocker. We all know ER charges are steep.

but

Turns out I still have $2500 to go towards my deductible!

That's right kids....a $4000 deductible, with a $6250 max out-of-pocket
Helluva change from a $1000 deductible last year.



Wonder how much the deductible is that basketball-playing kid's plan is that he only pays $28/month?

Sounds like a plan similar to mine.
My company's plan was dropped.
Now I have a $1500 visit to the ER....
A deductible of $6000 and Doctor's office visit and tests done there like EKG and what have you comes out of my pocket...
I just cancelled that appointment....

Colonoscopy....I was going to have one this Summer....
Not now.

Thanks Libs
Thanks Obama..

While there are some not so great things with the Bronze Plans, as in high deductibles, colonoscopies are considered preventative care and covered 100%. Check into it with your insurance company.

IF conducted by an "in-network" provider, AND pre-authorization may be required...penalty will be $500
http://apps.humana.com/marketing/documents.asp?file=2103712

 

[hortysir]

I'm penalized by having employer-provided coverage.
Either deal with a $4000 deductible or step out on my own and pay $900 a month AND a $6000 deductible.

But, hey.....Uncle Sam knows what best for me, right?!
Never mind that

All health plans must offer the same essential health benefits.

These benefits include coverage for things like:

• Doctor visits
• Prescription drugs
• Hospitalization
• Maternity and newborn care
• Preventive care

I don't fucking NEED maternity or newborn care

 

[hortysir]

Just went back and unchecked the box that I have employer-provided coverage.....

Same plan, same deductible...but now my premiums are $58 per month, AFTER tax credit (which means I would still have to pay it and rely on a tax refund from a bankrupt government)

 

[auditor0007]

Just went back and unchecked the box that I have employer-provided coverage.....

Same plan, same deductible...but now my premiums are $58 per month, AFTER tax credit (which means I would still have to pay it and rely on a tax refund from a bankrupt government)

If your cost for your employer provided health insurance is more than 9.5% of your income or if your employer does not cover at least 60% of your health insurance premium, then you can opt out of your employer provided insurance and still get the tax credit on the exchange.