General Discussion

ScreamingMeemie

(68,918 posts)

90. I'm going to try and be gentle here, but he is lying to you. Why?

Fri Oct 11, 2013, 02:31 PM

Oct 2013

How do I know this? Because you're describing my situation.

The only thing I could "afford" was catastrophic insurance for my son.

I'm a preexister.
He's a healthy 15-year-old.
Preexisting coverage pools (high risk insurance) would only cover me (to the tune of $1400/month with a 10K deductible) and not him.
Regular insurance would not cover him on his own policy, so I had to purchase temp. This made me EXTREMELY angry at Obama and the ACA (because it isn't/wasn't perfect).

I fall into the pay or be taxed income bracket of 40-45K.

His temporary insurance was $500/quarter for no preventative care and a 15K deductible if he got sick or was injured.

My silver plans on ACA start at $175/month for both of us.

I was prepared to be as pissed as your friend. That ended up not being so.

I'm sorry, but he's pulling your leg because he really wants it to be so.

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This message was self-deleted by its author [View all] lostincalifornia Oct 2013 OP

Well, clearly he's wealthy and just isn't managing his finances correctly. Dreamer Tatum Oct 2013 #1

Do you support the ACA? Cali_Democrat Oct 2013 #6

Not taking yours or anyone else's purity test. Dreamer Tatum Oct 2013 #12

Ahhh, whine much? nt Logical Oct 2013 #187

Not if it jacks premiums, right? grahamhgreen Oct 2013 #184

+1 1000words Oct 2013 #8

I'm going to SAVE $700/month, or more. NYC_SKP Oct 2013 #15

This message was self-deleted by its author lostincalifornia Oct 2013 #21

Sorry, but that doesn't help us at all..... daleanime Oct 2013 #42

With a family of four and not eligible for a subsidy, he's making over $94000 a year. N/T bornskeptic Oct 2013 #120

Correct. book_worm Oct 2013 #152

Isn't it relative? North Carolina Knigh Oct 2013 #206

$1200 a month is $14,400 per year alarimer Oct 2013 #214

It's a used car every year Boom Sound 416 Oct 2013 #235

One broken bone - especially if surgery and therapy are required dflprincess Oct 2013 #251

The OP is talking about a family of 4, not one person Hekate Oct 2013 #257

I believe the poster was being sarcastic 1000words Oct 2013 #80

He's making more than 90,000 a year. dawg Oct 2013 #114

Notice the OP won't come back and respond to this? MattBaggins Oct 2013 #200

Not true. Subsidies and participation in the exchanges are based on personal coverage... Barack_America Oct 2013 #245

Yes! cilla4progress Oct 2013 #266

Do you mean his insurance company increased rates? He should complain to them, not blame Obamacare. Mass Oct 2013 #2

This message was self-deleted by its author lostincalifornia Oct 2013 #28

It isn't the "same equivalent insurance." pnwmom Oct 2013 #33

"Unless he's been neglecting the medical care of his family..." ScreamingMeemie Oct 2013 #47

This guy has an income over 90K, according to another post. pnwmom Oct 2013 #55

Sorry, but you're acting rather condescending to people. ScreamingMeemie Oct 2013 #70

You don't think the word neglect applies to someone with an income over 90k pnwmom Oct 2013 #81

Unless you've walked a mile in their shoes, you have noooooooooo business ScreamingMeemie Oct 2013 #93

I don't want to be condescending, either, but frankly I am completely DebJ Oct 2013 #111

I cannot judge someone else, and I'm not sure of the truthfulness of this person's story, ScreamingMeemie Oct 2013 #116

I still don't know what you mean by this, and you've said pnwmom Oct 2013 #147

The negative: Remember when the early part of the ACA went into effect? Where insurance cos ScreamingMeemie Oct 2013 #150

ACA kicks in all the way on January 1st, 2014z Neoma Oct 2013 #259

Yes. I know this. ScreamingMeemie Oct 2013 #262

^^^THIS^^^ kestrel91316 Oct 2013 #118

You're the one whose comments have been harsh, IMO. pnwmom Oct 2013 #146

I've kept my opinions of your posts to myself until you took it way too far. ScreamingMeemie Oct 2013 #148

"Cruelty" "shameless." pnwmom Oct 2013 #149

Oh, boy, it's country music lyric time. nt valerief Oct 2013 #157

What??? ScreamingMeemie Oct 2013 #173

I knew I could make you scream! valerief Oct 2013 #176

Huh? ScreamingMeemie Oct 2013 #182

I've always had a problem with this kind of moral relativism. Chan790 Oct 2013 #238

Basic preventive care for kids doesn't come close to $1,200 a month Yo_Mama Oct 2013 #130

Not true. enlightenment Oct 2013 #83

The "friend" makes over 90K a year. Preventative care pnwmom Oct 2013 #88

Okay. enlightenment Oct 2013 #103

I agree with you that a bronze plan is more like a catastrophic plan pnwmom Oct 2013 #109

"More like" doens't quite enlightenment Oct 2013 #169

You've made a lot of good points. pnwmom Oct 2013 #199

I do agree. enlightenment Oct 2013 #211

But the loons would be coming to the Constitutional convention. pnwmom Oct 2013 #215

Good point. enlightenment Oct 2013 #225

Wait... these people you are talking about have had coverage. They've been able to get health care notadmblnd Oct 2013 #216

I'm not entirely certain what point you're trying to make enlightenment Oct 2013 #224

I was replying to what you wrote in post number 83. notadmblnd Oct 2013 #230

No, I am not arguing about how terrible it is enlightenment Oct 2013 #231

You're right. I have no idea what I'm talking about. notadmblnd Oct 2013 #240

Ah - thanks. enlightenment Oct 2013 #253

At $700 a month extra those mammograms and pap smears are not "free". former9thward Oct 2013 #131

True. They're included without extra charge and they're pnwmom Oct 2013 #145

If he's really in bad shape dennis4868 Oct 2013 #46

That sounds like different coverage MNBrewer Oct 2013 #60

Yes - that is what I'm curious about too! -- n/t mazzarro Oct 2013 #105

now you mention it's only "catastrophic' insurance. So his family already pays all medical costs? Sunlei Oct 2013 #78

That is a Horrific Increase for less Coverage FreakinDJ Oct 2013 #112

Well, then, he probably should KEEP his current coverage. That IS an option, I believe. davsand Oct 2013 #3

But that small fact RUINS the premise, doncha know! MADem Oct 2013 #22

This message was self-deleted by its author lostincalifornia Oct 2013 #31

I see. so he had relatively shitty coverage Pretzel_Warrior Oct 2013 #87

It's an option if the plan was grandfathered which can occur if the plan existed on March 23, 2010. PoliticAverse Oct 2013 #119

Can he? grahamhgreen Oct 2013 #185

Are a lot of these people who are running into this problem being dumped from their employer's ins? meadowlark5 Oct 2013 #4

I am keeping my previous insurance becuase the ACA costs more. no employer. Has nothing to do with robinlynne Oct 2013 #73

I wasn't jumping on anyone - simply asking why this is happening to some people meadowlark5 Oct 2013 #153

These "people" running into this are imaginary made up people MattBaggins Oct 2013 #204

nope. we are real. no law is perfect. robinlynne Oct 2013 #263

Shop for a different company rather than keep the same old same old. Agnosticsherbet Oct 2013 #5

This message was self-deleted by its author lostincalifornia Oct 2013 #32

The catastophic plan had some merits Turbineguy Oct 2013 #195

Oh....DO tell, please!!! MADem Oct 2013 #7

there is an oddity I noticed. Whisp Oct 2013 #18

Ain't that peculiar! MADem Oct 2013 #23

This message was self-deleted by its author lostincalifornia Oct 2013 #35

Your information doesn't stand up to facts that some people have taken time to find. bluestate10 Oct 2013 #242

What a mean spirited post. nt Mojorabbit Oct 2013 #65

THAT's what the NSA is really doing!!!! JoePhilly Oct 2013 #71

I wondered why the NSA was bothering to collect all DU posts! treestar Oct 2013 #201

WRONG. robinlynne Oct 2013 #74

Strange� Very peculiar� Couldn't be a coincidence? Champion Jack Oct 2013 #101

Curious, indeed. kestrel91316 Oct 2013 #123

A friend of mine is dating Morgan Fairchild! Yeah, that's the ticket! gater Oct 2013 #9

+1000 frazzled Oct 2013 #19

Reply to Frazzled grammiepammie Oct 2013 #58

Yeah, that's what it is....! LOL! MADem Oct 2013 #27

This message was self-deleted by its author lostincalifornia Oct 2013 #44

Your perogative pal! gater Oct 2013 #197

i wonder where they expect people to get this extra money. datasuspect Oct 2013 #10

Where I live, middle class people get more than 1/2 of income in various taxes Amonester Oct 2013 #256

If his premiums for a family of 4 were only $500 the policy must have been a high deductible. flamin lib Oct 2013 #11

This message was self-deleted by its author lostincalifornia Oct 2013 #51

Then it's not equivalent to the policy he's comparing it to, as you said pnwmom Oct 2013 #63

He needs to adjust his lifestyle and change his financial priorities if he is making kestrel91316 Oct 2013 #129

So essentially he had his family on a high deductible insurance plan that wouldn't cover them anyway rbixby Oct 2013 #161

you are right, as the OP says it is essentially a catastrophic mitchtv Oct 2013 #62

My Premiums are $527 a month for a family of unlimited size (mine happens to be 4) wercal Oct 2013 #77

I had my appendix out in August. The bill was $45,000. No complications. DevonRex Oct 2013 #226

Below is the text from a response I made to another poster wercal Oct 2013 #229

My friend makes $9 an hour... VanillaRhapsody Oct 2013 #13

that couldn't possibly happen! KG Oct 2013 #14

Yeah...a friend of a friend of my sisters best friend's aunt..... cbdo2007 Oct 2013 #16

A friend of mine will be paying 123411io3bn more, come on people. Stop asking others to take your... uponit7771 Oct 2013 #17

perhaps his employer will give him a raise= to the 'employer paid' part he lost. Send him to DU. Sunlei Oct 2013 #20

I expect to hear more stories like these. BKH70041 Oct 2013 #24

Hello North Carolina. I expect you DO expect to hear more such stories. DevonRex Oct 2013 #29

..and maybe even tell a few! nt Walk away Oct 2013 #121

right on DevonRex Oct 2013 #128

He was comparing apples and oranges, which people with these stories pnwmom Oct 2013 #41

OK, but that wasn't the point. BKH70041 Oct 2013 #61

That IS the point. If you're going to compare costs, then you pnwmom Oct 2013 #68

I expect you will be revealed to have an interesting agenda here nt geek tragedy Oct 2013 #50

You caught me. BKH70041 Oct 2013 #94

You have yet to say anything inconsistent with being a Republican nt geek tragedy Oct 2013 #102

I want Medicare for all. BKH70041 Oct 2013 #110

102 posts in, and you already know all the inside lingo like BOG and geek tragedy Oct 2013 #113

Inside Lingo? BKH70041 Oct 2013 #141

Yes, yes, Obamacare will be revealed as a job-killing travesty to be inflicted geek tragedy Oct 2013 #142

geek, many times it's the numbers, it's always with the numbers. Ikonoklast Oct 2013 #160

LOL Troll rbixby Oct 2013 #163

Obviously, you and your "friend" are inveterate liars. The little authoritarians are going Egalitarian Thug Oct 2013 #25

Whereas the knee-jerk Obamasuxers will lap up any unsubstantiated claim geek tragedy Oct 2013 #48

LOL! There's your problem right there. I don't think the President "sux", while you do think Egalitarian Thug Oct 2013 #143

Your own posting history says I'm telling the truth and you are not geek tragedy Oct 2013 #183

I didn't say I love him either, but that's not the point, now is it. Egalitarian Thug Oct 2013 #208

I don't love him. But, I also geek tragedy Oct 2013 #210

You can be quite funny, really. I don't even have any animosity toward you. Egalitarian Thug Oct 2013 #264

Before Obama Care my family of 10 was insured for 25� a day. Now DevonRex Oct 2013 #26

. mzmolly Oct 2013 #43

LOLOLOL! rusty fender Oct 2013 #49

This message was self-deleted by its author lostincalifornia Oct 2013 #59

Maybe that's one of the improvements or changes to the plan that can be made with legislation. Lint Head Oct 2013 #89

Crappy, useless, rip-off insurance can't be sold any longer. I think that's a GOOD thing and that kestrel91316 Oct 2013 #137

I call bullshit. he must make a crapload of money if he's paying Pretzel_Warrior Oct 2013 #202

25 cents a day? I thought Colonial Penn's burial insurance was 35 cents/day. n/t winter is coming Oct 2013 #115

This is from Save The Children!!! DevonRex Oct 2013 #133

Argh, I *hate* those commercials! n/t winter is coming Oct 2013 #136

So do I. nt DevonRex Oct 2013 #139

I signed up for Obamacare, and was forced to get an abortion! Ikonoklast Oct 2013 #165

And I just got called for Death Panel Duty same day as Jury Duty!!! SKINNER!!!!! nt DevonRex Oct 2013 #171

I heard the Death Panels get a better lunch voucher. Ikonoklast Oct 2013 #222

Um. It's Soylent pastrami Paulie Oct 2013 #244

And the well-seasoned, perfectly aged Seniors are the best sources of raw material Ikonoklast Oct 2013 #258

A twofer. Reduces costs in both Medicare and Medicaid Paulie Oct 2013 #260

Deficit reduction and spicy deliciousness, all rolled into one Ikonoklast Oct 2013 #261

You think that's bad? They killed my grandma!!!... stevenleser Oct 2013 #248

Omigosh!!! I bet it's the one at Ground Zero, too!! DevonRex Oct 2013 #250

I pay nothing and my mom pays $13. BluegrassStateBlues Oct 2013 #30

Bull- mzmolly Oct 2013 #34

More info please. brush Oct 2013 #36

In hindsight, it was a big mistake LittleBlue Oct 2013 #37

He makes over $94,000 a year and can't afford $1200 a month? subterranean Oct 2013 #38

I couldn't Roland99 Oct 2013 #107

Really? How HORRIBLE! xfundy Oct 2013 #39

This ^^^ mzmolly Oct 2013 #45

Bwahahahaha! valerief Oct 2013 #159

Well he'll just have to budget for that increase and suck it up! SammyWinstonJack Oct 2013 #40

I think you are lying. Schema Thing Oct 2013 #52

246 posts in 12 days Ineeda Oct 2013 #53

He's paying $500/mo for a family of four?!?! I call bullshit right there. n/t taught_me_patience Oct 2013 #54

ya. i just called that one out, too. as i said below, seeing how 5 yrs ago we were working on 1300 seabeyond Oct 2013 #69

Per my post #77, I pay $527 for a family of 4 wercal Oct 2013 #86

as i said, hubby ran a business and was always looking for this awesome insurance you speak of cause seabeyond Oct 2013 #96

Yes my company does pay part of it wercal Oct 2013 #124

leaving ot the part of your company paying part of it, giving you this awesome price is HUGE. seabeyond Oct 2013 #127

The company share is very small wercal Oct 2013 #164

Per my post #77, that's about what I pay wercal Oct 2013 #82

Is it employer sponsored? taught_me_patience Oct 2013 #104

Posts 124 and 164 explain what the company pays wercal Oct 2013 #167

I worked for Time Warner, a group with thousands of employees taught_me_patience Oct 2013 #249

Transparent. n/t factsarenotfair Oct 2013 #56

Jesus, that's rough CountAllVotes Oct 2013 #57

This message was self-deleted by its author lostincalifornia Oct 2013 #75

I'm going to try and be gentle here, but he is lying to you. Why? ScreamingMeemie Oct 2013 #90

This message was self-deleted by its author lostincalifornia Oct 2013 #122

He is lying lostincalifornia. Sorry you had to find out this way. ScreamingMeemie Oct 2013 #125

Makes me think of a co-worker of mine bhikkhu Oct 2013 #255

So, he has to be making more than $92,200 a year if he's not going to sinkingfeeling Oct 2013 #64

i dont know his insurance but 5 yrs ago, hubby working, me stay at home and two kids... all healthy seabeyond Oct 2013 #66

Turns out it wasn't awesome at all. It was just catastrophic pnwmom Oct 2013 #84

always a story behind the whine. nt seabeyond Oct 2013 #92

249 posts= BS or Rwinger wilt the stilt Oct 2013 #67

Indeed. I was paying $500/mo for a GROUP insurance catastrophic policy for ONE PERSON 7 years ago. kestrel91316 Oct 2013 #233

Is this because his current insurer is raising their premiums? mulsh Oct 2013 #72

I hate to say this, but a friend of mine went to healthcare.gov, and now he's in an Obama deathcamp. SolutionisSolidarity Oct 2013 #76

fucking shit d_b Oct 2013 #98

Your friend is "IN AN OBAMA DEATH CAMP"? Pathwalker Oct 2013 #126

Nice redqueen Oct 2013 #135

I TRIED to get into the Obama Death Camp and was put on a Waiting List!!11!!! NYC_SKP Oct 2013 #221

Look at the bright side. If your friend is dead, he won't have to pay those awful high premiums. patricia92243 Oct 2013 #140

I think this is about the 5th time I have seen this claim intaglio Oct 2013 #79

Probably came straight from a chain e-mail like most Obamacare disinfo. nt BluegrassStateBlues Oct 2013 #85

Here's a question for everyone that I don't really understand: Paolo123 Oct 2013 #91

if he gets cancer, preexisting and cant get coverage. today? with the new laws about pre existing? seabeyond Oct 2013 #99

There's an enrollment period... ScreamingMeemie Oct 2013 #108

Oh i didnt understand that there was an enrollment period Paolo123 Oct 2013 #212

And when the child breaks an arm and goes to the ER.... DebJ Oct 2013 #154

but if he has an emergency hospitalization, he's fucked bettyellen Oct 2013 #170

not really Paolo123 Oct 2013 #213

and bill you astronomical amounts for surgery and hospitalization bettyellen Oct 2013 #220

yes good point. nt Paolo123 Oct 2013 #246

A. Dear lord you've never had kids. Obviously. DevonRex Oct 2013 #189

What do you mean? I have three kids Paolo123 Oct 2013 #217

Right.Somebody's calling you to supper now. Better go wash up. DevonRex Oct 2013 #227

Incisive point. Paolo123 Oct 2013 #247

I think if he already has insurance that he will not need to enroll in ObamaCares. n/t patricia92243 Oct 2013 #95

The issue he is having (which a lot of us have found) is that these catastrophic ScreamingMeemie Oct 2013 #97

I am making $30K less than him and currently paying $1K a month for employer insurance and an HSA. haele Oct 2013 #100

Just curious, is he in a red state? Rex Oct 2013 #106

What do people say, "I hate to say it," and then say something? winter is coming Oct 2013 #117

Because they really dont hate to say it. bunnies Oct 2013 #134

+1. Similarly, when I hear a sentence begin with "frankly" or "honestly", I expect a lie. n/t winter is coming Oct 2013 #138

Interesting. I never thought of that. bunnies Oct 2013 #144

A post in the thread mentioned this guy has an income of $90,000 cui bono Oct 2013 #132

If you make $90K per year Aerows Oct 2013 #196

Well, you can all look forward to turning 65 RebelOne Oct 2013 #151

What's stopping him from just keeping his current insurance? rbixby Oct 2013 #155

DING DING DING!!! NT valerief Oct 2013 #162

im sorry but i don't believe that. it sounds like one of the crank repug statements. n/t. okieinpain Oct 2013 #156

Income tax fadedrose Oct 2013 #158

Sorry, I don't believe you matt819 Oct 2013 #166

Post removed Post removed Oct 2013 #168

Well hi there. The unaffordable care Act huh? It's a failure, huh? DevonRex Oct 2013 #174

Talk to Kentucky... in 5, 4, 3, 2, 1 Poof Ellipsis Oct 2013 #175

OMG! My eyes! cyberswede Oct 2013 #180

Turtles, all over the world, would like to have a word with you... Rex Oct 2013 #186

*Hangs head in shame* Ellipsis Oct 2013 #190

First post and a mispelling in the title and an ACA bash. Bwahahahaha! valerief Oct 2013 #179

They're just not that clever. arcane1 Oct 2013 #181

Tell him to keep his current insurance. Kaleva Oct 2013 #172

I hate to say it but I don't believe a word of this OP tenderfoot Oct 2013 #177

I hate to say this, Rex Oct 2013 #178

I think your friend is a fool if he opts to give up his cheaper, better insurance for ACA! TheDebbieDee Oct 2013 #188

He should shut down the government! nt Walk away Oct 2013 #191

Here is what we need or your story is bullshit stevenleser Oct 2013 #192

Yeah, I don't think so melody Oct 2013 #193

I believe it onlyadream Oct 2013 #203

Why are there no long-timers with friends who have this problem? melody Oct 2013 #223

Would you like a screen shot? onlyadream Oct 2013 #232

I'm not in denial at all melody Oct 2013 #234

With our current insurance we have to change onlyadream Oct 2013 #236

It's a tax writeoff melody Oct 2013 #237

I just went to our states exchange and... onlyadream Oct 2013 #194

This message was self-deleted by its author MattBaggins Oct 2013 #198

Sorry, no sale. Lex Oct 2013 #205

But people claim that they're supporting family or have some other excuse. NYC_SKP Oct 2013 #209

I once saw a guy in court claim he couldn't pay his child support Lex Oct 2013 #218

$1200 for a family of 4 is Platinum level insurance. Kablooie Oct 2013 #207

I live in a high income state that is on par with California. bluestate10 Oct 2013 #241

253 posts skip fox Oct 2013 #219

My thoughts too! B Calm Oct 2013 #228

Over 100% increase due to the ACA? Nope, he's being bamboozled if this is even true. BenzoDia Oct 2013 #239

That dirty SOB Obama!!!! Jeff In Milwaukee Oct 2013 #243

Yeah right. bravenak Oct 2013 #252

Does that premium equal 8% of his income? If so, Roselma Oct 2013 #254

I wish him the best. cilla4progress Oct 2013 #265