General Discussion

pnwmom

(110,236 posts)

117. That attorney in the OP does have a pre-existing condition.

Sun Oct 27, 2013, 07:50 PM

Oct 2013

She's 3 months pregnant. So she's going to be one of the winners, not one of the losers. By far.

(Her old policy wouldn't have offered any maternity coverage. Her new one will include free prenatal visits as well as coverage of labor and delivery, and any necessary tests and/or hospitalization during or after the pregnancy.)

I'm sorry your policy will cost more. But there will be at least a couple of benefits. Your insurer will no longer be able to drop your coverage if you develop an expensive condition like cancer (which happened to a friend of mine). And you won't ever have to worry about hitting an annual or lifetime limit. It does cost more to have policies like that.

In your situation, since you will getting such a small subsidy, it might make sense to get some bids from insurers outside the exchange. You might find a plan there that better fits your needs.

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LA Times: Middle class gets Obamacare sticker shock [View all] villager Oct 2013 OP

2856 a year... Lancero Oct 2013 #1

Honestly. Sticker shock? I am rofling here. ScreamingMeemie Oct 2013 #3

No kidding. Wow at this article. BenzoDia Oct 2013 #9

If you make 80k a year you don't take home 80k. former9thward Oct 2013 #66

No excuse. They can look at their budget and decide how much they value health insurance over kestrel91316 Oct 2013 #77

I think we need you to go through every working person's home in the nation. former9thward Oct 2013 #82

This woman is pregnant, so she should be the POSTER GIRL for the ACA. pnwmom Oct 2013 #87

Amen to that. IrishAyes Oct 2013 #130

No they can't SlipperySlope Oct 2013 #138

Her cut rate policy wouldn't cover a visit to the Emergency Room due to an accident... CTyankee Oct 2013 #144

totally agree with you, but I bet this person would okieinpain Oct 2013 #152

Developed nations don't necessarily have single payer health care. SlipperySlope Oct 2013 #163

I think the confusion is over who is meant by "single payer." CTyankee Oct 2013 #164

I'm talking about private insurance SlipperySlope Oct 2013 #165

Now I'm confused... CTyankee Oct 2013 #166

Wikipedia is wrong SlipperySlope Oct 2013 #167

I see terms used "government managed" and "association" but it is a complicated document. CTyankee Oct 2013 #168

A key difference in their system. SlipperySlope Oct 2013 #169

so in this case it was semantics. Even without the literal meaning of the word single-payer, there CTyankee Oct 2013 #170

I don't know that it is just semantics SlipperySlope Oct 2013 #171

thanks for your information! I truly appreciate it. You have given me several insights on universal CTyankee Oct 2013 #172

We agree on what is important SlipperySlope Oct 2013 #173

"Self-employed Lawyer" JustABozoOnThisBus Oct 2013 #143

I don't know. former9thward Oct 2013 #146

I was just going by words in the article ... JustABozoOnThisBus Oct 2013 #154

+ 1 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 kestrel91316 Oct 2013 #76

in a lot ca that Niceguy1 Oct 2013 #78

Including deductibles and copays? NoOneMan Oct 2013 #96

It's more than a little arrogant LWolf Oct 2013 #97

That woman is pregnant, and her new policy will cover maternity costs, pnwmom Oct 2013 #99

"That woman?" LWolf Oct 2013 #102

I know that there were no policies in California that covered maternity pnwmom Oct 2013 #106

Having born 2 children in CA, LWolf Oct 2013 #110

I don't know when you had your children but it's been a very long time pnwmom Oct 2013 #111

I moved out of CA in 2005. LWolf Oct 2013 #145

Employer provided group plans are completely different. That is why the ACA pnwmom Oct 2013 #147

exactly. n/t.. okieinpain Oct 2013 #153

If I can afford $176.19/month on half of what "she and her husband" make, she can do the same. ScreamingMeemie Oct 2013 #2

In California over the last four years, Insurance firms have truedelphi Oct 2013 #11

My brother (both of them) rent. ScreamingMeemie Oct 2013 #13

Do they have a student loan payment? truedelphi Oct 2013 #51

$500 a month for a safe and pretty apartment in San Francisco?!! KansDem Oct 2013 #53

It was incredibly wonderful - and again - truedelphi Oct 2013 #63

My sister-in-law is just finishing up paying off law school loans (kind of similar to "Jennifer") ScreamingMeemie Oct 2013 #54

Your daughter is a lawyer, and yet you consider her to be part of the group of truedelphi Nov 2013 #174

You need to reread my response...My daughter is not a lawyer. ScreamingMeemie Nov 2013 #175

I love how people know what others can afford. former9thward Oct 2013 #68

I don't need to. ScreamingMeemie Oct 2013 #71

If they can afford to have a baby without insurance pnwmom Oct 2013 #100

My daughter lives in an expensive area of CA and they make less than that. pnwmom Oct 2013 #18

Pls see my reply number 51 above yrs. n/t truedelphi Oct 2013 #52

Yes, one of them has student loans. pnwmom Oct 2013 #56

Don't bother seeing that reply above, because it is more of the same. ScreamingMeemie Oct 2013 #55

And there is now a new housing bubble in Ca. dixiegrrrrl Oct 2013 #93

Whats the point? Dwayne Hicks Oct 2013 #4

The point may be forthemiddle Oct 2013 #50

Absolutely. cilla4progress Oct 2013 #84

The point is it's a surprise. cilla4progress Oct 2013 #5

It's only a surprise to ignorant people pnwmom Oct 2013 #19

Sweet! cilla4progress Oct 2013 #25

Oh come now. It was only a few weeks ago that BlueStreak Oct 2013 #61

S'what I'm saying cilla4progress Oct 2013 #86

I can give Obama a pass on the early statements, not the recent ones BlueStreak Oct 2013 #95

Your lips to PBO's ear! cilla4progress Oct 2013 #123

Personally I can afford the near tripling of my premiums I am seeing BlueStreak Oct 2013 #131

Gee, anti-ACA propaganda from the LA Times. SolutionisSolidarity Oct 2013 #6

It isn't propaganda if it is true. BlueStreak Oct 2013 #41

My individual policy is not real insurance? Really? indie9197 Oct 2013 #137

Yes, the individual plan you were paying for was a scam. SolutionisSolidarity Oct 2013 #159

OK, I did some research and perhaps I was naive indie9197 Oct 2013 #162

Wouldn't costs go down eventually treestar Oct 2013 #7

The website poutrage is piddling away...next stop, coverage hysteria, next ??? libdem4life Oct 2013 #8

overpopulation. Last Stand Oct 2013 #160

their rates would have gone up anyway and by more than that. insurance companies have been jacking leftyohiolib Oct 2013 #10

$80,000 a year is middle class? krawhitham Oct 2013 #12

I don't know where you live, but 80K won't allow a family of three truedelphi Oct 2013 #16

Far less than 80k is allowing my brother and ScreamingMeemie Oct 2013 #20

This message was self-deleted by its author Marr Oct 2013 #148

The median household income in all those places is high 40s/low 50s Recursion Oct 2013 #33

"Anywhere in California" is not true. LeftyMom Oct 2013 #40

$80K is well above the median household income in any CA city Recursion Oct 2013 #44

even in LA one can live very comfortably on 80k JI7 Oct 2013 #64

Yes-- ONE could. Marr Oct 2013 #149

yes, a family can and MOST do JI7 Oct 2013 #151

Most? Comfortably? Marr Oct 2013 #155

personal experience by living here JI7 Oct 2013 #156

I live here, too. /nt Marr Oct 2013 #157

one can live VERY COMFORTABLY in California on 80k, maybe they can't if they want to send their kids JI7 Oct 2013 #60

you can live good in the DFW Metroplex on 80K snooper2 Oct 2013 #132

80,000 bucks per year??? Jasana Oct 2013 #14

Try living in California - 3 person household in any of the major cities on truedelphi Oct 2013 #22

2 bedroom apartment rent here averaged about $1,500 per month five years ago. Jasana Oct 2013 #28

I had a studio at Back of the Hill for... wait for it... $1200 Recursion Oct 2013 #45

Not surprsing. Jasana Oct 2013 #65

Lower Allston hellhole? Thanks a lot. My father was raised there and I still have virgogal Oct 2013 #119

Then surely you are aware Allston has a lot of hellholes? Recursion Oct 2013 #140

But she makes 80K -- and she's pregnant! pnwmom Oct 2013 #29

Median household income in LA is $60K, so clearly people manage (nt) Recursion Oct 2013 #43

NOT TRUE , i live in CAlifornia and most people live on much less and get by JI7 Oct 2013 #59

Lots of poor people do it Marrah_G Oct 2013 #69

Most people don't realize they were paying real money for crappy insurance plans... TeamPooka Oct 2013 #15

Someone had to fill dkf's gap. nt BluegrassStateBlues Oct 2013 #17

+1...nt SidDithers Oct 2013 #127

And she has better coverage... Ruby the Liberal Oct 2013 #21

And this woman is pregnant! She's nuts. pnwmom Oct 2013 #23

Honestly. I would love to see her have to shop on the high risk pool sites ScreamingMeemie Oct 2013 #26

And babies could be born with preexisting conditions pnwmom Oct 2013 #31

Yup. She is very, very lucky. ScreamingMeemie Oct 2013 #39

Jeez- $80k a year and they can't afford a $238 payment? bhikkhu Oct 2013 #24

LOL BluegrassStateBlues Oct 2013 #32

This overall story is gaining traction in the press. cilla4progress Oct 2013 #27

Yes. We need to do a better job at P.R. pnwmom Oct 2013 #35

The problem is a disingenuous article. Drunken Irishman Oct 2013 #38

I hope that none of the people who think $300 a month is too much for pnwmom Oct 2013 #46

$238 a month and they're griping? Drunken Irishman Oct 2013 #30

A lawyer has to pay $238 a month... Boo Fucking Hoo Ohio Joe Oct 2013 #34

And a pregnant lawyer, to boot -- pnwmom Oct 2013 #36

The LA Times never loved him... Demo_Chris Oct 2013 #37

But this article is very misleading. They chose to highlight a woman pnwmom Oct 2013 #42

Heretic! leftstreet Oct 2013 #47

When people making above the median income for a locale complain, pnwmom Oct 2013 #57

Yes! Level the playing field! leftstreet Oct 2013 #70

Your twisting of the facts is disgusting. I'm saying that she is BENEFITING pnwmom Oct 2013 #75

Don't tell working people how to spend their money leftstreet Oct 2013 #79

She's already chosen to spend her money on having a baby pnwmom Oct 2013 #81

80% of Americans have healthcare coverage leftstreet Oct 2013 #83

Those insured people are paying higher premiums in order pnwmom Oct 2013 #92

Busted Budgets BKLawyer Oct 2013 #94

My daughter and her husband live in a high cost area pnwmom Oct 2013 #98

I never said ... BKLawyer Oct 2013 #101

She liked her $98 a month payment but it was COMPLETELY INADEQUATE pnwmom Oct 2013 #107

yea rich was adjusted to 450k questionseverything Oct 2013 #115

Exactly - cilla4progress Oct 2013 #90

The woman in the OP will be saving money with her new insurance pnwmom Oct 2013 #118

You may be more patient and far-seeing than I.. cilla4progress Oct 2013 #124

Not everyone will benefit the way she will. pnwmom Oct 2013 #126

She'll end up paying less for health care overall gollygee Oct 2013 #48

And think how much her pregnancy will cost, for all the prenatal visits pnwmom Oct 2013 #58

But isn't that what insurance is for? BKLawyer Oct 2013 #104

Why not let them roll the dice? Because everyone else pays higher premiums pnwmom Oct 2013 #108

There is no chance it would cost her less. gollygee Oct 2013 #135

A person who collects Social Security who on average gets around $1200 a month, $14400 a year Thinkingabout Oct 2013 #49

"Rates would be going up regardless of changes from the healthcare expansion." Cerridwen Oct 2013 #62

I make half what she does and pay almost as much arely staircase Oct 2013 #67

The larger question here is how did they ever find a policy that cost them $98 per month? shraby Oct 2013 #72

Yeah it was probably pretty worthless gollygee Oct 2013 #85

It's hard for me to relate to these articles. mmonk Oct 2013 #73

I guess it's time to recycle ProSense Oct 2013 #74

Poor reporting from the LA Times itsrobert Oct 2013 #80

Blah blah blah. Tired of the whining. It's the LAW Pretzel_Warrior Oct 2013 #88

'experts say' spanone Oct 2013 #89

I'm bothered by the tendency to deny any story that is critical of the ACA. BlueCheese Oct 2013 #91

Facts aren't being tossed aside. Lies are being tossed aside. pnwmom Oct 2013 #114

Percentage wise to income, that is less than hubby and I pay for a supplemental to Medicare policy appleannie1 Oct 2013 #103

with a sup plan my medicare payment would be over 200+ madrchsod Oct 2013 #116

We are lucky. Place where hubby worked lets retired employees get their supplemental from their appleannie1 Oct 2013 #142

Telling millions to smarten up and lower their standard of living seveneyes Oct 2013 #105

The OP is about a pregnant woman who would rather not have insurance pnwmom Oct 2013 #109

Right ... BKLawyer Oct 2013 #112

I live in az an so far these are the estimates I am getting. aznativ Oct 2013 #113

That attorney in the OP does have a pre-existing condition. pnwmom Oct 2013 #117

Speaking of pre-existing conditions aznativ Oct 2013 #122

You can sign up with any insurer now, on or off the exchange, pnwmom Oct 2013 #125

Yea I know aznativ Oct 2013 #128

Did your old policy have annual or lifetime limits? pnwmom Oct 2013 #129

I'm not too sure actually, but aznativ Oct 2013 #161

Her maternity benefits alone will probably be about 3 years worth of her premiums BlueStreak Oct 2013 #133

Exactly. She should be the poster girl for the ACA pnwmom Oct 2013 #134

Maricopa County krawhitham Oct 2013 #120

$75 more aznativ Oct 2013 #121

This thread tells me people don't know what it's like to live in California LittleBlue Oct 2013 #136

Both of my brothers live in Los Angeles. ScreamingMeemie Oct 2013 #139

$80K is well above the median household income for SFO Recursion Oct 2013 #141

it is more than enough, unless you want to send all your kids to private school JI7 Oct 2013 #158

and you guys think these people are are ready for okieinpain Oct 2013 #150

Maybe that $98 plan Turbineguy Nov 2013 #176