Obamacare Insurance Premiums By 99% For Men, 62% For Women

I'm going to wait and see what really happens

And even then, if any inkling of any of this does come true, I'm going to try to determine who exactly is causing it.

bluesman1955

Xtrozero
Obamacare is increasing my medical costs per year by 300%..... Not joking...

I work for the state.Just got my new insurance brochure.
I was paying $15 copay with a $500 deductible.
Now i will be paying $25 copay and a $1700 deductible.
My premium increased to triple the amount.

Like to see Obama live on $10.59 an hour and afford this.

I went from 20 bucks copay to 20% of the cost

marg6043
reply to post by Tardacus

 

Sadly those 48 million newly insured would not be able to see a doctor until they meet their forced insurance co pays that can run in the thousands of dollars depending how big the co pays in the state they are living at are regulated and we all know how well the states do that.

Co pays can be run yearly by the insurance and the Obamacrap doesn't say anything about how to control that.

People will pay for ever their insurance premiums and when they get an emergency will still be screwed with the bills if their co pays have not been met yet.

Money talks and the whore politicians open their pockets while the people get screwed.

edit on 25-9-2013 by marg6043 because: (no reason given)

You NAILED it Marg, the people just don't know it yet but they will. On top of paying for their doctor visits, which will be normal, they will pay taxes for the privilege of having a doctor to see in the first place. The real reaction won't be seen for maybe a year or so when all the fog clears away from the true Obamacare fiasco.

StoutBroux

marg6043
reply to post by Tardacus

 

Sadly those 48 million newly insured would not be able to see a doctor until they meet their forced insurance co pays that can run in the thousands of dollars depending how big the co pays in the state they are living at are regulated and we all know how well the states do that.

Co pays can be run yearly by the insurance and the Obamacrap doesn't say anything about how to control that.

People will pay for ever their insurance premiums and when they get an emergency will still be screwed with the bills if their co pays have not been met yet.

Money talks and the whore politicians open their pockets while the people get screwed.

edit on 25-9-2013 by marg6043 because: (no reason given)

Just what taxes are you talking about??? There are none - there are insurance premiums (paid to private insurance companies not the government) and then fines if you don't have insurance (which do go to the government). There are no taxes - you are say traffic fines are taxes? No - they are fines for breaking the law - not taxes.


You NAILED it Marg, the people just don't know it yet but they will. On top of paying for their doctor visits, which will be normal, they will pay taxes for the privilege of having a doctor to see in the first place. The real reaction won't be seen for maybe a year or so when all the fog clears away from the true Obamacare fiasco.

reply to post by FyreByrd


Somewhere in all the mess I have been reading up on and possibly in one of the links I have provided or links from the links, it breaks down why we have a shortage of qualified Doctors today, the numbers are decreasing as college tuition's and over the barrel loans are leaving specialists in very short order and high demand.

reply to post by LewsTherinThelamon


If you make under the poverty line established by the government you will not be mandated or taxed into getting Obamacare, if you are under 26 years of age and still a student your parents will have to add you to their insurance, that is under Obamacare.

Now you can try to file for expanded Medicaid , if your state is going with the expansion, but because you are a student and under 26 I think you parents are the ones to be mandated into providing insurance for you.

Talk to your parents.

marg6043
reply to post by LewsTherinThelamon

 

If you make under the poverty line established by the government you will not be mandated or taxed into getting Obamacare, if you are under 26 years of age and still a student your parents will have to add you to their insurance, that is under Obamacare.

Now you can try to file for expanded Medicaid , if your state is going with the expansion, but because you are a student and under 26 I think you parents are the ones to be mandated into providing insurance for you.

Talk to your parents.

The problem is that the parents might not be able to afford Obamacare so they cannot insure themselves much less their child(ren). What if you're a family that earns just above the qualifying limit? You, your wife and 5 children ages 14x2, 19, 21, 24. You have a mortgage, all the basic expenses and three children in college. Hmmmm. I don't think people really get this. Applying real life situations would help. America's families have been defined as by a nuclear family, i.e. mother, father and a child. What happens if you are not the model nuclear family, which would encompass the mass of the populous? I don't think people want to lose their homes just so they can afford Obamacare and that's exactly what will happen. Get a lien from the IRS on your house including the fines and late fees because you couldn't afford Obamacare, bye bye house.

Okay, just on the news, a family of four on the Silver plan, $282.00 a month.

Here is the Silver plan:

Benefits Silver Health Plan*
Deductible $2,000 Med
Preventive $0
Doctor’s Office Visits $45
Specialist $65
Generic Rx $19
Brand RX $50 *after $500 Rx deduct
Lab Testing $45
X-ray $65
Maternity 20% *after deduct
Out-patient Surgery 20% *after deduct

Hospital Stay 20% *after deduct
ER Visit $250 *after deduct
Urgent Care $90
Out-of-Pocket Max $6,350/$12,700 (ind/fam)

the out of pocket max does not include the $3,384.00 each year in insurance premiums. So, lets take a look at your REAL outlay. $6350 max out of pocket plus $3384 insurance premiums Silver plan =$9734.00/yr

Averaged out over 12 months is $811.00/month

Can YOU afford this?

[ex)www.medicoverage.com...[/ex[ Source

I need to try to find out what "insurance coverage" really means. Some can't afford a major plan, and there are smaller ones that don't do a whole lot but get you more respect than walking in and saying you don't have coverage.

My feeling is it's meant to destroy the system, and make us scream for a fix and that fix is single provider Government health care.... socialism's wet dream.

Fact is, its not going to work. Why is there not a bigger outrage? Many people are still in the dark, hoping this will just effect everyone else.

THE MOMENT this hits peoples pocket books and people are cut back on their hours because the companies CAN NOT afford to pay their way (note I did not say will not, most can not afford it) All hell is going to break loose. The fact that this is going to happen same time flu season hits will be a whole other kind of scary interesting time.

It is irritating though. Many of us screamed and shouted warnings and were insulted, called sore loosers, racists, fear mongers, etc. Well, here it comes.

The house is making one last ditch effort to keep it from happening, but the senate and the president have said it will one way or another. We will see.

reply to post by mrsdudara


The reason it's not getting the populations attention is the majority are not currently exposed to how bad Obamacare is. The businesses know what is happening and are making adjustments to survive, but the common man / woman has no clue and by the time it is felt, it will be too late. This is the old frog in boiling water treatment.

So...

It seems to me that Obamacare will cause private insurance to skyrocket, leaving people with the only option of signing up via an exchange, correct?

reply to post by StoutBroux


Your final number assumes you pay your deductible by going to the doctor, AND spend enough to meet your yearly maximum. Many people (myself included) never meet my deductible because I don't need to be seen.

If I'm reading your maths right you are combining the deductible, premium AND assuming you pay your yearly maximum all together and averaging it out over 12 months, correct?

$280/mo to know that if anything major (cancer, heart attack, stroke, ect) happened -- you'd only have to cough up $2000 and pay 20% of hospital stays.

I agree that that is outrageously expensive, but compared to having to pay out of pocket for everything because of no health coverage ... you'd probably be dead.

So, basically your math is the "worst case".

reply to post by mrsdudara


I think the money has already changed hands, that is always a big red flag that things will go as predetermined prior to the public announcement of the proposal.

The new infrastructure is already in place as well so how to stop a damn from flowing once it has been blown up? There is no turning back at this point it seems.

reply to post by StoutBroux


Most people do not even make this kind of money after taxes, insurance, household over head, gas, food and the lot. When the 'experts' shouted from the roof tops over the past couple years to Pay Down debt, they were not fooling around, they meant serious business for those who chose to remain sovereign against the pull of the future Governmental conglomerates. If you have zero debt, and stored up food and house hold goods for the next several years, you might have a chance to maintain your freedom and a few extra bucks at the end of the paycheck.

This is only the beginning, it starts here but EVERYTHING is going to skyrocket to off set the fragile economic down turn if not complete failure. Personal and Property taxes, insurance premiums, city, local and state taxes, Internet, telephone, cell phone, power and electric, water, fuel, fire dept dues, Satellite and cable tv, groceries, and all goods and services including entertainment, restaurants, fast food joints, Everything.

reply to post by UnifiedSerenity


And

reply to post by antar


Agree with you both. This stinks so bad. NO one knows how it will effect them, how it all works, or how much it will cost and its almost time to be implemented. Its like they are keeping it all hidden behind their backs until go time. I don't trust it one bit. For crying out loud, have people forgotten what our government has done in the past meddling in peoples health?? Have people forgotten that we were once #1 at Eugenics? Maybe they wont resort back to deciding who can reproduce, but they sure has heck will decide who can have treatment and who is not worth it. Its freeking scary.

Was talking to my Dr. yesterday about it all actually. He said he has some friends who sell insurance and they were so stressed about what was going to happen because THEY don't even know how it all works. Said there were so many laws, it was going to be almost impossible to not break some. Something about 20,000 pages of laws and regulations. Everything is going to change.

He (Obama)had the audacity to say that the government shutting down a few days would be worse on the economy than this taking effect. Didn't the government shut down a few days last time they discussed raising the debt ceiling? Id rather the government shut down.

Jeez my blood is boiling over this. Bottom line, even though its been out there waiting to start for some time now, Obamacare is still shrouded in mystery. If it was that good, they wouldn't be keeping the most basic facts from everyone.

But, I do think America will fight back once it hits home. I swear this is like reading a history book, easy to see whats coming.

reply to post by mrsdudara


Thanks for that reply, so I would like to hear more of what your Dr said. Actually mine will be coming over later to bring some pots to me for my business, I think I will breach the subject when he does. From some of the reading I have been doing on this, the fines are going to be very bad something like 20,000 for each violation for infraction of the new guidelines. I think that will hit more to the private insurance carriers ( the local little ones) not the big corporate ones.

reply to post by antar


I would love to hear what your Dr. says too. Mine gave me a lot of info yesterday like, a woman my age (36) who is with only 1 guy, needs a yearly only once every 3 years. Flu shots cover three types of flu strain, if another strain shows up they say get another shot, but this year the shot is the same as it was last year so there is no reason to get shots again this year if you had them last year. Basically a lot of info on when you really do need to come in and when you really don't. Said things were going to get crazy expensive and wants his patients to get what they need when they need it and asking for more might keep them from getting that. He is a good Dr. From what he said about his friends, he is worried for them.

I don't know if it was the intent or not, but the inevitable consequence for this will be no more small businesses. The large companies are already talking about cutting full time employees down to 30 hours. I suppose only time will tell. Scary times friends.

reply to post by mrsdudara


We should come up with a few questions to ask him, I have had a migraine for 2 days now and cannot think very clearly.

All questions welcome!

Here is a GREAT thread giving details of one families nightmare scenario when they received their insurance notice:

www.abovetopsecret.com...