General Discussion

Liberty Belle

(9,708 posts)

223. Thank you for understanding.

Tue Sep 29, 2015, 02:33 AM

Sep 2015

Yes we can sign up at the next ACA open enrollment with lower rates in January, but that's a lot of months to keep paying such high premiums for 2 people.

I think the law should be changed so that if you lose your job and the total household income means you're paying over 9.5% for your healthcare now, you should IMMEDIATELY be eligible for a reduced rate -- why make you wait months and months for open enrollment? I could see maybe a 30-day waiting period, but no more. Unemployed folks shouldn't be paying more for healthcare than for their mortgage.

The answer shouldn't be throw out the ACA or turn a blind eye and pretend it has no problems. The answer should be to fix the problems (unless by some miracle we get a progressive Congress and president elected that would chuck this system and get us universal single-payer healthcare).

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My hellacious health care nightmare -- Obamacare has ruined me [View all] Liberty Belle Sep 2015 OP

Why isn't the trucker paying your expenses? He or his company should have insurance. Frustratedlady Sep 2015 #1

Eventually he probably wlil have to pay Liberty Belle Sep 2015 #5

Settlement is for pain and suffering REP Sep 2015 #12

Well I'm definitely racking up pain and suffering.... Liberty Belle Sep 2015 #17

File a pip claim artislife Sep 2015 #71

What is a pip claim? Liberty Belle Sep 2015 #109

personal insurance protection artislife Sep 2015 #137

Thanks. Liberty Belle Sep 2015 #206

Talk to your claims adjuster artislife Sep 2015 #218

It will help you get the medical attention you need. artislife Sep 2015 #219

Thanks, finally a positive suggestion here--I will try that. Liberty Belle Sep 2015 #227

Great, you will be using his/her insurance then artislife Sep 2015 #237

Which provision of Obamacare ruined your life? CreekDog Sep 2015 #192

Paying 75% of our income for healthcare premiums the next several months, Liberty Belle Sep 2015 #205

Obamacare doesn't require you to pay 75% of income in healthcare premiums CreekDog Sep 2015 #214

There is a CA provision that conflicts with the ACA 9.5% limit on what you're supposed to pay Liberty Belle Sep 2015 #228

The hospital doesn't care forthemiddle Sep 2015 #51

An obtuse reply KentuckyWoman Sep 2015 #2

Yes I have always supported single payer - Howard Dean had that right. Liberty Belle Sep 2015 #9

I'm mad at the Dems for that too. PatrickforO Sep 2015 #22

Joe Lieberman single handedly stopped lowering the Medicare eligibility age Warpy Sep 2015 #33

If it wasn't him it would have been someone else Fumesucker Sep 2015 #186

Probably, and Congress was full of DLC dead wood at the time Warpy Sep 2015 #193

Um, Ms. Yertle Sep 2015 #48

Howard Dean was not for single payer in 2004 karynnj Sep 2015 #50

The insurance of the driver who hit you covers your expenses, not your insurance REP Sep 2015 #3

Sometimes your car insurance covers and then goes after the other driver's insurance. Liberty Belle Sep 2015 #10

I had them bill the other driver's carrier REP Sep 2015 #14

First thing I would do VMA131Marine Sep 2015 #4

I may have to eventually Liberty Belle Sep 2015 #18

I don't know your entire situation but you may qualify truedelphi Sep 2015 #26

That's awful, sending women home a half day after masectomies. Liberty Belle Sep 2015 #245

The other insurer will want to settle. So if you involve a lawyer NOW pnwmom Sep 2015 #32

Not "eventually". Do it now Starboard Tack Sep 2015 #35

Please pay attention to this carefully.... GO TO A LAWYER RIGHT NOW! Do not wait, do not pass go, underahedgerow Sep 2015 #38

The other side will not make a reasonable offer I can assure you vankuria Sep 2015 #108

You should already have a lawyer . They will work with your insurance company Person 2713 Sep 2015 #177

Right. Get a lawyer, and do it NOW. Midnight Writer Sep 2015 #23

This is probably the best advice here. n/t pnwmom Sep 2015 #31

All well and good but I also have to get a CAR first before I can do anything Liberty Belle Sep 2015 #110

The bills will start coming in soon.... Lars39 Sep 2015 #178

You can call lawyers on the phone . Crying ACA known imperfections may make you feel happy Person 2713 Sep 2015 #179

But you're forgetting we were hurting BEFORE the accident Liberty Belle Sep 2015 #204

I have a lawyer in the family. But when the other driver has lousy insurance Liberty Belle Sep 2015 #229

Absolutely! Wrongful injury lawyers love this stuff. YOHABLO Sep 2015 #27

The truck drivers insurance will cover this riderinthestorm Sep 2015 #6

Hopefully Captain Stern Sep 2015 #165

... alcibiades_mystery Sep 2015 #7

Thanks for the laugh.... Liberty Belle Sep 2015 #16

Auto insurance? kaycee22 Sep 2015 #8

Once the cost goes over $5,000 I have to pay up front and wait to get a settlement someday Liberty Belle Sep 2015 #13

Universal healthcare is still what we need. WDIM Sep 2015 #11

Amen, universal healthcare is the answer. Liberty Belle Sep 2015 #15

If "dire straits" means you are now poor then go to the local jwirr Sep 2015 #77

We are $100 a month over the Medicaid or Medical limits. Liberty Belle Sep 2015 #207

I did get an out of network doctor covered fully by Anthem ACA flamingdem Sep 2015 #19

Maybe I should try again, but I already did ask for a Supervisor, Liberty Belle Sep 2015 #226

You don't have to get an out of network referral flamingdem Sep 2015 #256

I'm so sorry this is happening to you. pugetres Sep 2015 #20

Yep - it was all for the insurance companies FreakinDJ Sep 2015 #21

The answer is single payer with low deductibles and low co-pays and everything JDPriestly Sep 2015 #24

we need to tightly control pharmaceutical companies reddread Sep 2015 #41

The health care system in the EU is deteriorating rapidly CountAllVotes Sep 2015 #176

I have a family member who lost his job in CA and was LibDemAlways Sep 2015 #25

I don't understand how he was "forced" into COBRA. In my state, you can choose pnwmom Sep 2015 #30

Nobody is forced to sign up for COBRA. Even before the ACA, that was the case, so I am not sure still_one Sep 2015 #34

The ACA was not yet in effect when he lost his job. LibDemAlways Sep 2015 #63

Thank you for spelling out the in's and out's of what truedelphi Sep 2015 #106

The OP was paying $700 a month for her individual policy in 2012 -- MORE pnwmom Sep 2015 #115

you cannot just go and get on an exchange - truedelphi Sep 2015 #184

LOL. I'm not a physician. But I helped my son pick a plan on the exchange, pnwmom Sep 2015 #185

you can't if you have severance pay. Liberty Belle Sep 2015 #240

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^n/t truedelphi Sep 2015 #258

My premium went way down after that old post 3 years ago. Liberty Belle Sep 2015 #236

He could not do the exchange because he had 2 months severance pay, Liberty Belle Sep 2015 #111

He had 2 months severance pay so couldn't get into the exchange Liberty Belle Sep 2015 #242

you need to be more clear. tammywammy Sep 2015 #250

I'm paying $891. monthly... Contrary1 Sep 2015 #28

What does that mean? Is that for just you or your family. What kind of plan is it? With Medicare still_one Sep 2015 #42

I think she meant Medicaid, not Medicare. forthemiddle Sep 2015 #54

I agree. I was trying to find out more details. I used the cost of Medicare as an example that two still_one Sep 2015 #59

Silver. Liberty Belle Sep 2015 #231

That's a lot of money. I hope things get better still_one Sep 2015 #239

I did, you're correct. Liberty Belle Sep 2015 #244

That's just for me... Contrary1 Sep 2015 #62

That is expensive, no question about it, and you are not alone. When I got laid off, I didn't still_one Sep 2015 #70

When you are truly poor THEN it is Medicaid. jwirr Sep 2015 #78

So you understand. Nobody should have to pay that much for healthcare. Liberty Belle Sep 2015 #216

There's a lot here that's hard to understand. I'm afraid you might be getting bad advice. pnwmom Sep 2015 #29

There are a lot of details missing in these stories. Medicare doesn't have an income limit, but still_one Sep 2015 #37

The "life event" has a huge loophole Liberty Belle Sep 2015 #116

That is terrible news. I have a question. If someone signs up for COBRA, couldn't they sign up for still_one Sep 2015 #153

Yes, they can sign up during the next open enrollment period. n/t tammywammy Sep 2015 #156

Thanks, that is what I assumed still_one Sep 2015 #158

Thank you for understanding. Liberty Belle Sep 2015 #223

What I omitted in my original post Liberty Belle Sep 2015 #243

No, he had 2 months severance pay so they counted that as income. Liberty Belle Sep 2015 #113

Wow what a mess Jesus Malverde Sep 2015 #36

Truth! 'Obamacare does not provide healthcare. YabaDabaNoDinoNo Sep 2015 #40

and exactly where would they have gotten the votes for single payer? The blue dogs had made it very still_one Sep 2015 #43

I understand very well how gov works and I also know the blue dogs, conserver a dem YabaDabaNoDinoNo Sep 2015 #46

All I was pointing out is the argument has been put many times that we had a chance for single payer still_one Sep 2015 #60

Wouldn't it have been helpful nationalize the fed Sep 2015 #47

No argument, Baucus was not the best person for what we call the ACA. However, regardless, when the still_one Sep 2015 #61

Baucus's idea was statewide insurance co-ops Recursion Sep 2015 #72

I don't buy the argument that the ACA is a complete disaster, it has helped a lot of folks still_one Sep 2015 #79

Oh it's definitely done a lot of good Recursion Sep 2015 #80

That is essentially what they do with Medicare. Problem is in some states like Texas, a lot of still_one Sep 2015 #84

That was just noise from the Hill; maybe Roll Call ran the story? Recursion Sep 2015 #90

Yes, one thing I'm upset with is Obama Liberty Belle Sep 2015 #238

I buy some of my medications from Canada which is a huge savings even over Medicare part D Jim Beard Sep 2015 #39

The only thing one needs to do is insure the Canadian pharmacy is an accredited one, and reliable. still_one Sep 2015 #44

I love my Obamacare. I have medicare now and my Obamacare was underthematrix Sep 2015 #45

Good suggestion, thank you. Liberty Belle Sep 2015 #235

Job loss qualifies your husband for covered ca without waiting for the new enrollment period. displacedtexan Sep 2015 #49

I hope she reads your excellent advice. pnwmom Sep 2015 #56

You are correct, no one is forced to stay with Cobra, but if someone loses their job, California or still_one Sep 2015 #64

No it doesn't. No energy to retype over and over. Liberty Belle Sep 2015 #114

Thank you for again clarifying the COBRA problem. LibDemAlways Sep 2015 #134

One more opinion and good wishes for Liberty Belle Joanie Baloney Sep 2015 #159

We did, and so did our agent. They were very uncooperative. Liberty Belle Sep 2015 #212

Thank you for confirming that your relative had the same problems. Liberty Belle Sep 2015 #234

We have called covered ca many times. Liberty Belle Sep 2015 #233

Your Anger Should Be Toward The DLC Third Way That Would Not Allow A Single Payer Discussion cantbeserious Sep 2015 #52

Get a Lawyer and call your car insurance company. The trucks insurance will pay, a Lawyer and your Sunlei Sep 2015 #53

Oh, yes, the Republicans who killed a chance for healthcare in the 90s valerief Sep 2015 #55

I'm sorry... pinebox Sep 2015 #57

There was no other policy to choose! Liberty Belle Sep 2015 #112

I'm glad you were helped. I hope they keep whatever worked for you, and fix Liberty Belle Sep 2015 #247

Sure! pinebox Sep 2015 #252

You also once claimed electricity was "leaking" Codeine Sep 2015 #58

+1 n/t tammywammy Sep 2015 #75

And that SmartMeters cause illness REP Sep 2015 #163

They do. California's PUC got thousands of complaints from people Liberty Belle Sep 2015 #225

That's the worst kind of bogus nonsense. Codeine Sep 2015 #251

Post removed Post removed Sep 2015 #213

Why does this sound like SheilaT Sep 2015 #65

Not true Liberty Belle Sep 2015 #118

There are more than a few mean and nasty people on DU Fumesucker Sep 2015 #187

Needed that, thanks! Liberty Belle Sep 2015 #209

because someone has an opinion that differs with yours? Facility Inspector Sep 2015 #249

Mandatory health coverage and unemployment are a disasterous result. Rex Sep 2015 #66

Post removed Post removed Sep 2015 #68

Oh I thought she says she is unemployed. Rex Sep 2015 #69

I read this as an auto insurance beef, not an ACA issue Brother Buzz Sep 2015 #73

Have not watched that show yet, I should because I loved Rex Sep 2015 #74

I'm cable challenged Brother Buzz Sep 2015 #83

Excuse me? The ACA is a HUGE problem. Liberty Belle Sep 2015 #121

so you think paying 75% of our income for health premiums through the ACA is okay? Liberty Belle Sep 2015 #215

Nonprofit, no income, volunteering to run the magazine Liberty Belle Sep 2015 #119

You've posted that your the editor yourself on here, including your name tammywammy Sep 2015 #124

I'm confused. zappaman Sep 2015 #129

And that's not the only time she's mentioned being editor of East County Magazine. tammywammy Sep 2015 #135

Oh, stop your silly threats. Codeine Sep 2015 #150

I asked the moderator to hide the post above Liberty Belle Sep 2015 #136

It violates no laws to mention something you've mentioned time and time again here yourself herding cats Sep 2015 #140

It doesn't violate shit. Codeine Sep 2015 #145

moderator remove the post above - it violates HiPPA privacy by outing my identity and is false Liberty Belle Sep 2015 #117

You've said here before that is who you are. herding cats Sep 2015 #138

Bogus hide tammywammy Sep 2015 #144

Thank you! herding cats Sep 2015 #146

Omg Nadine works for her Egnever Sep 2015 #255

I'd like to make one thing clear. herding cats Sep 2015 #257

Since when is posting to a message board Codeine Sep 2015 #151

Wow. zappaman Sep 2015 #152

Not a disaster under the ACA. She lives in a state with subsidies, as the ACA was intended to have. pnwmom Sep 2015 #85

You are so right, after a job loss one can apply to ACA right then flamingdem Sep 2015 #92

Right. I think the system is probably too complicated for many people. pnwmom Sep 2015 #93

But the enrollment period exceptions are clearly there top of the home page so I'm calling bullshit. bettyellen Sep 2015 #94

Speaking from experience - my very intelligent friend was laid off flamingdem Sep 2015 #96

If the claim wasn't "couldn't get" it, I'd not be suspicious either.... bettyellen Sep 2015 #97

I see what you mean flamingdem Sep 2015 #104

There are a lot of trade-offs to consider, and so it is a complicated decision pnwmom Sep 2015 #100

I've found it to be top notch so far flamingdem Sep 2015 #103

My son has also been pleased with his plan. pnwmom Sep 2015 #105

We DID try that. We reported our change in circumstances. Liberty Belle Sep 2015 #224

N O HE COULD NOT!!!! HE HAD 2 MONTHS SEVERANCE PAY. Liberty Belle Sep 2015 #120

our 2 elected representatives are trying to get us some help. Liberty Belle Sep 2015 #221

Goodluck! Rex Sep 2015 #254

I am so sorry to hear your story. threethirteen Sep 2015 #67

I was self-employed, can't get disability. Liberty Belle Sep 2015 #246

Who's your attorney on the vehicle crash? MineralMan Sep 2015 #76

Why couldn't your husband get onto Covered CA LuvLoogie Sep 2015 #81

There's a lot of bs here. Codeine Sep 2015 #82

Does not pass the smell test one bit.... bettyellen Sep 2015 #87

This post survived an alert. X_Digger Sep 2015 #141

My thanks to the jurors. nt Codeine Sep 2015 #149

Aww, they think they are a special snowflake! Marrah_G Sep 2015 #188

To the person here who questioned n my alert effort on this post Liberty Belle Sep 2015 #142

I did not out you, champ. Codeine Sep 2015 #148

Maybe you outed income made in the past year Person 2713 Sep 2015 #180

She's posted her income on here before tammywammy Sep 2015 #181

That's what I mean that although small, perhaps the income now needs to be stated as none Person 2713 Sep 2015 #182

Aren't you special? Marrah_G Sep 2015 #189

We are in our 50s, too young for Medicare and not poor enough, just barely. Liberty Belle Sep 2015 #222

The ACA was never intended to be a perfect solution. It was all that was possible at the totodeinhere Sep 2015 #86

I agree on Sanders Liberty Belle Sep 2015 #133

Baloney - anyone eligible for Cobra is eligible for ACAor exchanges. Fix your OP or let the lie bettyellen Sep 2015 #88

Here's the Covered California webpage about COBRA tammywammy Sep 2015 #89

WRONG WRONG WRONG WRONG Liberty Belle Sep 2015 #122

You should really just add "DON'T YOU KNOW WHO I AM?" to every post. Marrah_G Sep 2015 #190

Are you aware at all that California is a state with 37 million truedelphi Sep 2015 #101

So true. Back when employers provided healthcare it was so much better. Liberty Belle Sep 2015 #139

You are poorly informed. Liberty Belle Sep 2015 #143

yup, that is correct, and it isn't just California still_one Sep 2015 #155

Nope -he could "get onto Covered CA " instead of COBRA and it's right there on page one... bettyellen Sep 2015 #166

You don't know what you are talking about. Liberty Belle Sep 2015 #232

The ACA was an option- not something they "couldn't get". Subsidies? Not enough info.... bettyellen Sep 2015 #253

Actually that is not accurate. The way it is now, once you sign up for COBRA you cannot sign up for still_one Sep 2015 #154

yes but they could have signed up- and in that way, the OP is blaming Obama for THEIR CHOICE. bettyellen Sep 2015 #167

I think the OP is expressing short comings with the ACA which have adversely still_one Sep 2015 #168

you say vibrato, I say willfully inaccurate. a long winded "thanks Obama!" from someone who at the bettyellen Sep 2015 #169

Vibrato, Tomato... (sorry about that). It is an unfair rant from the OP for sure, and of course the still_one Sep 2015 #171

I'm sorry this is happening to you Liberty. I almost died from lack of health insurance and not Dont call me Shirley Sep 2015 #91

Under the ACA you get a policy and the amount you pay for it treestar Sep 2015 #95

We are $100 a month over the Medicaid or Medical limit a month Liberty Belle Sep 2015 #126

Then you can get an ACA policy for a premium of far less treestar Sep 2015 #147

The law is HIPAA and reposting info that you provided about yourself here is not Gormy Cuss Sep 2015 #175

Medicare is means-tested now? nt geek tragedy Sep 2015 #98

I meant Medi-Cal, the CA version of Medicare, sorry, misspoke on that. n/t Liberty Belle Sep 2015 #128

Glorious, etc., etc. tabasco Sep 2015 #99

According to a 2012 post, you used to pay $700 monthly before Obamacare. MORE than now. pnwmom Sep 2015 #102

That was for a couple months when I had cancer and then it went down. Liberty Belle Sep 2015 #123

The real problem I think isn't the ACA -- it's California's lack of price controls. pnwmom Sep 2015 #125

you're right about the need for price controls on insurance rate hikes. Liberty Belle Sep 2015 #127

I am sorry for all your troubles. phylny Sep 2015 #107

On your last point, the need for single-payer, I hope we can ALL agree. Liberty Belle Sep 2015 #130

I don't think anyone would disagree with that on DU. The problem is in the current Congressional still_one Sep 2015 #157

Consider yourself lucky, my daughter died under your Conservative selfishness Stargazer99 Sep 2015 #131

I am very sorry for your loss but I am not a conservative. Liberty Belle Sep 2015 #132

Still waiting to hear which provision of Obamacare ruined your life CreekDog Sep 2015 #200

Nothing is worse than what you have been through, and I am so sorry for your loss. However, I think the still_one Sep 2015 #160

You might learn to ignore medical bill collectors and how to live with a low credit rating. hunter Sep 2015 #161

People forget that: we are a very rich developing nation Recursion Sep 2015 #162

That is the sad reality for so many people. Liberty Belle Sep 2015 #208

Sorry for your troubles... onpatrol98 Sep 2015 #164

any hospital care thru emergency room should be coverered dembotoz Sep 2015 #170

Clarification jjct2012 Sep 2015 #172

The OP has said repeatedly....... WillowTree Sep 2015 #173

That's all correct and sadly Liberty Belle Sep 2015 #241

You're in a rotten situation, Liberty. WillowTree Sep 2015 #248

It's not a violation of HIPAA SheilaT Sep 2015 #174

A lot of wrong information in this OP. stopbush Sep 2015 #183

We did claim a life changing event with the job loss. See my explanations in the other threads. Liberty Belle Sep 2015 #230

The ACA saved my life. n/t Marrah_G Sep 2015 #191

a) It's only been two days. "Ruined" might be an overstatement. lumberjack_jeff Sep 2015 #194

my thought also. Liberal_in_LA Sep 2015 #195

To summarize the op lumberjack_jeff Sep 2015 #197

I don't read that she canceled her insurance tammywammy Sep 2015 #198

You're right. I read it wrong - I thought the issue was that she's uninsured. lumberjack_jeff Sep 2015 #202

Ehh, I drive 25 miles one way to work. tammywammy Sep 2015 #203

interesting thought... Liberty Belle Sep 2015 #217

I didn't know contracted specialists were far away. Liberty Belle Sep 2015 #211

you're confused, I didn't drop Obamacare, I still have it but we are paying 75% of our income for it Liberty Belle Sep 2015 #220

Sounds like your beef is with managed care, not the ACA KamaAina Sep 2015 #196

Aetna pulled out of the individual market in California. tammywammy Sep 2015 #199

Yep I had Aetna before. Liberty Belle Sep 2015 #210

I thought they merged with another company SoCalDem Sep 2015 #260

With your and your spouses income I'm sure Med-Cal can help demosincebirth Sep 2015 #201

Profit over People ReactFlux Sep 2015 #259