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econoclast

(543 posts)

27. Our cancelled plan was NOT crappy nor cheap

Tue Oct 29, 2013, 06:03 PM

Oct 2013

Have a small business. 6 employees plus myself. Everyone over 50. Most over 60. Those with kids ... The kids are grown with insurance of their own.

But our policy will not be renewed we have been informed because it does not cover maternity care nor pediatric vision and both are now required.

Really?!?!? We insure a bunch of near senior citizens. Requiring maternity and pediatric vision also requires a miracle of Biblical proportions. If it came to pass that we DID need maternity care and pediatric vision we could sell the "Miracle Birth" story to the National Enquirer for more money than the medical care cost!!!

We pay more in premiums because we are old. Fair enough. The probability of one of us needing healthcare is greater than a 25 year old. I get that. But the same logic should allow us to NOT buy insurance for an event whose probability (also because we are old) is now ZERO.

But regardless of logic, our policy won't be renewed. Looking at much higher premiums and/or deductibles.

Go figure.

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Obama's "You can keep your plan" failed to anticipate how much Americans love cheap crappy plans [View all] PeaceNikki Oct 2013 OP

This message was self-deleted by its author lostincalifornia Oct 2013 #1

And for many in the stupid states that refused to expand Medicaid. PeaceNikki Oct 2013 #2

Did some states that did not start their own exchanges expand medicaid Puzzledtraveller Oct 2013 #6

WI did neither. I think some states refused expansion and did set up exchanges (I think KY?). PeaceNikki Oct 2013 #8

This message was self-deleted by its author lostincalifornia Oct 2013 #10

$50 a month for crap insurance that caps out at $2000 is not having Insurance... VanillaRhapsody Oct 2013 #3

ACA establishes floor by setting policy standards Skidmore Oct 2013 #9

they were going to get Sticker Stroke if they saw the bill for a major illness without healthcare. VanillaRhapsody Oct 2013 #4

This message was self-deleted by its author lostincalifornia Oct 2013 #18

I am near that age...live in a major city (with rents as high as that) and make that much myself. VanillaRhapsody Oct 2013 #20

This message was self-deleted by its author lostincalifornia Oct 2013 #24

I did put it in for 2 people! VanillaRhapsody Oct 2013 #25

This message was self-deleted by its author lostincalifornia Oct 2013 #50

its NOT on gross income.... VanillaRhapsody Oct 2013 #26

This message was self-deleted by its author lostincalifornia Oct 2013 #30

thats how much I put in! VanillaRhapsody Oct 2013 #31

This message was self-deleted by its author lostincalifornia Oct 2013 #33

Yes Kaiser... VanillaRhapsody Oct 2013 #54

This message was self-deleted by its author lostincalifornia Oct 2013 #56

Here is everything... VanillaRhapsody Oct 2013 #57

This message was self-deleted by its author lostincalifornia Oct 2013 #61

This message was self-deleted by its author lostincalifornia Oct 2013 #39

You DON"T Itemize with the standard deduction! VanillaRhapsody Oct 2013 #40

This message was self-deleted by its author lostincalifornia Oct 2013 #47

that is NOT what I am reading... VanillaRhapsody Oct 2013 #49

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

After FICA? VanillaRhapsody Oct 2013 #65

This message was self-deleted by its author lostincalifornia Oct 2013 #72

This message was self-deleted by its author lostincalifornia Oct 2013 #55

This message was self-deleted by its author lostincalifornia Oct 2013 #53

and I have no idea what YOU are talking about...I am posting my results... VanillaRhapsody Oct 2013 #28

Please stop saying that. It is wrong BlueStreak Oct 2013 #32

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

It is NOT on gross income! VanillaRhapsody Oct 2013 #37

This message was self-deleted by its author lostincalifornia Oct 2013 #43

Nope for 2 people...calculated that in... VanillaRhapsody Oct 2013 #51

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

Yes, you are still wrong. It is gross income BlueStreak Oct 2013 #45

no it is not.... VanillaRhapsody Oct 2013 #46

Please stop doing this. You are confusing others. BlueStreak Oct 2013 #58

This message was self-deleted by its author lostincalifornia Oct 2013 #63

So then you are saying AGI IS the same as Gross? VanillaRhapsody Oct 2013 #64

It looks like a fair deal. BlueStreak Oct 2013 #73

I readily admit there is plenty of room for improvement... VanillaRhapsody Oct 2013 #74

I get that, but one person's "freaking out" is another person's ... BlueStreak Oct 2013 #75

I see it totally different....if you were paying attention to anywhere but DU you will see there is VanillaRhapsody Oct 2013 #76

This message was self-deleted by its author lostincalifornia Oct 2013 #62

People are afraid they will have to pay more. Puzzledtraveller Oct 2013 #5

This message was self-deleted by its author lostincalifornia Oct 2013 #36

I always thought the message was more then clear... Ohio Joe Oct 2013 #7

People believed the President and now you are being critical of them for doing so? Demo_Chris Oct 2013 #21

Well, to be fair, it the GOP wasn't talking about Death Panels and insurance fairies BlueStreak Oct 2013 #41

It wasn't a 'likely' scenario, it was a GIVEN. Demo_Chris Oct 2013 #79

I don't think it was a given in the context of 2009 BlueStreak Oct 2013 #81

Not to quibble, but any time you issue blanket guarantees you are gonna get burned... Demo_Chris Oct 2013 #82

I don't think there has been any deception about the mandate BlueStreak Oct 2013 #83

The fine is not as small as you think... Demo_Chris Oct 2013 #85

It is not a big fine. BlueStreak Oct 2013 #88

$400 Per person in that family during the first year. Demo_Chris Oct 2013 #89

So they should take the Bronze policy BlueStreak Oct 2013 #90

That's certainly one answer... Demo_Chris Oct 2013 #92

We need to emphasize personal responsibility. That is what this is all about. BlueStreak Oct 2013 #94

In will be interesting to see how this turns out. nt Demo_Chris Oct 2013 #97

And re: the bronze policy, it is the same high-quality insurance as the Platinum BlueStreak Oct 2013 #95

And that, my friend, can be all the difference in the world... Demo_Chris Oct 2013 #96

It is still far better then the prior situation BlueStreak Oct 2013 #98

We have individual onlyadream Oct 2013 #68

Too many words. "Americans love cheap" would have sufficed. Xithras Oct 2013 #11

These are people who used to get their highs off the baggies of oregano sold on Washington Square PeaceNikki Oct 2013 #12

Well shit. Who wants to pay more than the Canadians, the Germans, the French, etc? NoOneMan Oct 2013 #17

there are many "rugged individualists" who are in denial about their true motives Pretzel_Warrior Oct 2013 #13

Or, with the caps on profits, it will organically lower as a result of a bigger/healthier pool? PeaceNikki Oct 2013 #14

I think they will need to also actively work on lowering typical health care costs Pretzel_Warrior Oct 2013 #16

insurance has bargaining power to negotiate lower rates IronLionZion Oct 2013 #80

Happy to K&R. So glad my son's "insurance" is part of the canceled crap. ScreamingMeemie Oct 2013 #15

I am so very happy that ACA is helping you, me and many others I know. PeaceNikki Oct 2013 #19

Many = 1% zipplewrath Oct 2013 #22

Yes, I think this one is going to leave a mark. HereSince1628 Oct 2013 #23

Our cancelled plan was NOT crappy nor cheap econoclast Oct 2013 #27

So has it been your policy to always employ only those beyond child-bearing age? PeaceNikki Oct 2013 #38

I've worked with these folks for 20 years! econoclast Oct 2013 #42

Yeah, obviously I can't know all of that, nor does it really matter. PeaceNikki Oct 2013 #52

Real backbreaker is DOCTORS! econoclast Oct 2013 #67

And Nikki. By the way ... econoclast Oct 2013 #70

You don't have to be condescending. Read the rest of my reply. PeaceNikki Oct 2013 #71

I feel for you... I was thunderously assaulted for sharing my similar story a few weeks back... ReverendDeuce Oct 2013 #66

But you must be a troll onlyadream Oct 2013 #69

Or it must be my JUNK POLICY... that paid $80K in medical bills in 2011... n/t ReverendDeuce Oct 2013 #86

And you finally indicated you make too much to qualify for a subsidy. And still your premium isn't stevenleser Oct 2013 #84

Premium went from $160 to $234, co-pay/deductibles went WAY up... So what if I don't get a subsidy? ReverendDeuce Oct 2013 #87

I would characterize your situation as a win for the ACA. You can try to spin in how you want. nt stevenleser Oct 2013 #91

A win!? A win for the insurance cartels, maybe... As far as I am concerned, this sucks! n/t ReverendDeuce Oct 2013 #93

+1, but I would state it a little differently BlueStreak Oct 2013 #29

Certainly NOT true for us econoclast Oct 2013 #34

Nice try, Doktor Zoom BKH70041 Oct 2013 #48

plans DustyJoe Oct 2013 #60

That's not 100% true. Glassunion Oct 2013 #77

I am less interested in the out of pocket max than I am about first dollar coverage. Bozvotros Oct 2013 #78