Just got my new ins premiums under Obamacare
- Thread starter saint
- Start date
Pro190 is the biggest piece of scum on this board. I generally get along with everybody but I have higher forms of life on the bottom of my shoe than that pos
We are looking for a veteran salesperson to lead a new product line. You speak spanish?
- Aug 14, 2013
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Just got more details. Not only did premiums go up and coverage drop but our out of pocket maximum is up almost 250%- from 5450 to over 12k/year.
So over the course of a year, counting monthly premiums and the out of pocket max, we are looking at over 20k worse case scenario.
What. the. fuck.
So over the course of a year, counting monthly premiums and the out of pocket max, we are looking at over 20k worse case scenario.
What. the. fuck.
Someone has to pay for the 28 million coming on board along with the thousands getting paid to implement, check and run this government monstrosity.
:facepalm:
As posted by Mags in regards to a similar claim of such prices and I believe he is correct.
I call BS on this. Carriers cannot offer a deductible higher than $5000 on the exchange and out of pocket limits cannot be higher than $6350 (total of deductible and coinsurance). A deductible over $10k is not possible on any exchange.
Wrong wrong wrong wrong wrong wrong wrong wrong. That's individuals bro. Many of us have kids, ie, families.
Dude FDC how many times are you going to be 100% wrong in this thread?
Google bronze plans out of pocket maximum.
Here's one link of thousands. Wait, Forbes is wrong too! Dude.
http://www.forbes.com/sites/investo...ver-gold-and-platinum-health-insurance-plans/
A plan?s out-of-pocket maximum (or out-of-pocket limit) is the most you pay during a policy period (typically a year) before your plan starts to pay 100% of the allowed amount. The money you pay for premiums and health care that your plan doesn?t cover (e.g. elective surgery) does not count towards your out-of-pocket maximum. Depending on your plan, your deductible, copayments and/or coinsurance may apply towards the out-of-pocket maximum. The various health care plans have different out-of-pocket maximums; however, under health care reform, the 2014 limits are $6,350 for individuals and $12,700 for families.
Hey dipshit- err, FDC, how about the IRS as your source?
Let me guess, mags is correct and the IRS regulations are not? :mj07: :mj07: :mj07:
http://www.irs.gov/pub/irs-drop/rp-13-25.pdf
High deductible health plan
. For calendar year 2014, a ?high deductible health
plan? is defined under ? 223(c)(2)(A) as a health plan with an annual deductible that is
2
not less than $1,250 for self-only coverage
or $2,500 for family coverage, and the
annual out-of-pocket expenses (deductibles, co
-payments, and other amounts, but not
premiums) do not exceed $6,350 for self-only
coverage or $12,700 for family coverage.
SECTION 3. EFFECTIVE DATE
This revenue procedure is effective for calendar year 2014.
SECTION 4. DRAFTING INFORMATION
The principal author of this revenue pr
ocedure is Bill Ruane of the Office of
Associate Chief Counsel (Income Tax & Acc
ounting). For further information regarding
? 223 and HSAs, contact Karen Levin at (202)
622-6080 (not a toll free call). For further
information regarding the calculation of t
he inflation adjustments in this revenue
procedure, contact Mr. Ruane at (
202) 622-4920 (not a toll free call).
1. Don't come here claiming you thought I was referring to individuals
2. Expect you to eat crow on this.
Let me guess, mags is correct and the IRS regulations are not? :mj07: :mj07: :mj07:
http://www.irs.gov/pub/irs-drop/rp-13-25.pdf
High deductible health plan
. For calendar year 2014, a ?high deductible health
plan? is defined under ? 223(c)(2)(A) as a health plan with an annual deductible that is
2
not less than $1,250 for self-only coverage
or $2,500 for family coverage, and the
annual out-of-pocket expenses (deductibles, co
-payments, and other amounts, but not
premiums) do not exceed $6,350 for self-only
coverage or $12,700 for family coverage.
SECTION 3. EFFECTIVE DATE
This revenue procedure is effective for calendar year 2014.
SECTION 4. DRAFTING INFORMATION
The principal author of this revenue pr
ocedure is Bill Ruane of the Office of
Associate Chief Counsel (Income Tax & Acc
ounting). For further information regarding
? 223 and HSAs, contact Karen Levin at (202)
622-6080 (not a toll free call). For further
information regarding the calculation of t
he inflation adjustments in this revenue
procedure, contact Mr. Ruane at (
202) 622-4920 (not a toll free call).
1. Don't come here claiming you thought I was referring to individuals
2. Expect you to eat crow on this.
We only get one shot in this life, and it is a brief run. There is no reason to be such a dick. I, for one, labeled you a worthless POS with serious anger issues years ago, and recall fondly when jack ripped you a new asshole for the same reason. I bet you yell too much at your wife, and have had issues in your waning interpersonal relationships throughout your life as a result of the manner in which you treat others. It is quite likely that you have fewer friends than the average person, as most eventually find it difficult to be around you.
1. Don't come here claiming you are actually a quality guy in the real world.
2. I expect you to deny this and continue acting like the consummate dick that you are.
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While Saint and I are never going to be confused as friends, but I would love to hear the Messiah's supporters take in this?
How is this "Affordable"?
Seems very high. At this point I couldn't feel better about our coverage or cost of said coverage.
Do you or anyone else know if we should expect a decrease in coverage and/or increase in cost? Wife's employer, children's hospital in new Orleans, sent a letter here last week letting my wife know she has right to seek coverage through the new system, but that's all we have heard. I asked her to contact HR this week, but as of now, we know not what to expect.
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I think you mentioned your company saw a 1% increase- that's awesome.
Just like everything- since these major increases aren't going to hit a majority of the population, the majority doesn't really care. I think that's fair, people only tend to care about what directly affects them.
One of my biggest issues with the new legislature is there is no a la carte. Take maternity- that used to be an option, a rider. One that my family has paid significantly more for, because it's a benefit we needed. Why should the general population need to pay higher premiums so that every single plan has maternity?
I understand why they are doing this- So there cannot be exclusions on age, sex, etc. There must have been a way to have some uniformity but also allow some choice to lower premiums.
I was under the impression that if you were offered healthcare through your employer that you were not eligible for the ACA?
If the insurance offered doesn't pay for 60% of the health care expenses or if you pay over 9.5% of your income for health insurance, then you can go to the Exchange.
I can't wait to see how this Health Care Fiasco gets blamed on the Republicans.
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:mj07: :mj07: :mj07: :mj07: :mj07: :mj07:
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:mj07: :mj07: :mj07: :mj07: :mj07: :mj07:
Saint,
To be honest, I won't claim a fucking thing and I won't eat a fucking thing. What I will do is tell you that you are being a fucking dick about it. You want to make a political statement about your insurance, you think that everyone that struggles financially is a deadbeat. I get it. Just tell me the first time I ever called you dipshit, or fuckstick or any other fucking name on here. As a matter of fact I am pretty sure that I can go back and find numerous examples of me saying that I like saint and now you turn around and act like a fucking dickhead because I don't agree with you. That, my friend, is fucking bullshit. If I am wrong I will readily admit it and not think twice about it. I have no delusions in thinking that I am never wrong. Where you are wrong starts with you trying to blame your fucking policy on Obama or your slow paying customers on Obama. What the fuck is with you man? Get your fucking head straight saint and figure out real fucking fast who your fucking friends are on here and for fucks sake, learn how to have a disagreement with them without getting you panties in a fucking wad.
For your information, I hardly know Mags. He seems to be well educated on matters of insurance and the quote I used, was from him giving me shit about my posts. So it isn't like I think the guy is a hero, but who knows? I certainly seemed to get you wrong.
In closing, I really don't give a fuck what your insurance carrier charges, find another one if you don't like it.
You really pissed me off man, there was absolutely no reason for you to be a fucking dickhead and you did it anyway.
Hope that helps,
FDC
P.S. Cheers Cie!
