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wilt the stilt

(4,528 posts)

18. I bought insurance on the open market for years

Thu Oct 24, 2013, 04:49 PM

Oct 2013

and here is how it works.

every 5 years you go into a different age group each getting higher as you age
39-44
44-49
49-54
54-59
etc.

a family plan is not really a family plan it is actually 4 separate plans. each individual has it's own deductible and out of pocket. the only combined out of pocket is the children
i was paying well over a $1,000 maybe $1100 for family of four
If everyone got sick it would be $16,500 out of pocket
$2,000 deductible per person $5,500 out of pocket per person children $5,500 combined
70% of some fictitious number that they call customary after $2,000. 6 visits to a doctor per year with a $40 copay,after that you pay out of pocket against your deductible.
$300 deductible for prescription then $30-$45 per prescription
no dental
ne vision.
sucked eggs

That was 5 years ago and this was the most popular plan of BCBS for individuals
that plan today has to be $1500-$1600 per month

Next time you are talking to a RWNJ ask them how an individual plan works. When you explain it to them their jaw drops.

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Was this already posted? Mika B. got through to the ACA toll free # live at Morning Joe a couple [View all] CTyankee Oct 2013 OP

See why we can't trust those women? They just don't mind when you let 'em out of the house. libdem4life Oct 2013 #1

He had to cover his ass so he did it with the Christie joke. CTyankee Oct 2013 #3

Got to hand it to him, he recovered quickly. It was the "less than a minute" gasp of the RW person libdem4life Oct 2013 #4

You mean MIchelle? She looked a little dumbstruck as her voice trailed off..."Mika just got through" CTyankee Oct 2013 #8

That would be the one. I try hard not to remember their names as they or their temporary media libdem4life Oct 2013 #9

You're welcome. I found it posted on Facebook by a good friend of mine in WI... CTyankee Oct 2013 #11

One other comment...I'd always prefer to see information that is really, really important libdem4life Oct 2013 #14

Yep. I was out of town that day so I wasn't sure. It's such a good catch! CTyankee Oct 2013 #17

Joe is such a tool. I dont know how he can have a show. nm rhett o rick Oct 2013 #2

the problems with the aca website questionseverything Oct 2013 #5

Can you cite a real world example which shows that this is any different from what health insurance jtuck004 Oct 2013 #7

If you have to ask, the reply would be too long. If it doesn't apply to you, don't ruin it for the libdem4life Oct 2013 #13

Albert Einstein pointed out that "If you can't explain it simply, you don't understand it jtuck004 Oct 2013 #15

False equivalency. That's why people study things, go to school, you know, get educated. libdem4life Oct 2013 #19

I'm noit the one claiming to know it all. That's on you to prove, though reading you jtuck004 Oct 2013 #39

Unless you're working for a large corporation that self-insures its employees. mwooldri Oct 2013 #20

which is why we have Medicare in the first place. If there were no federal health insurance program CTyankee Oct 2013 #21

i am not sure telling dems questionseverything Oct 2013 #33

<G> Thought it might. In some ways they have always had the subsidies, whether through a jtuck004 Oct 2013 #41

We get United Healthcare through our (huge) employer, and smokers pay bullwinkle428 Oct 2013 #12

My huge employer as well, is making people certify that they are non-smokers or enroll SoapBox Oct 2013 #24

I bought insurance on the open market for years wilt the stilt Oct 2013 #18

yes it is how the insurance industry always worked questionseverything Oct 2013 #31

Things have changed - now there are legal limits to constrain their excesses. SolutionisSolidarity Oct 2013 #43

not being negative,just honest questionseverything Oct 2013 #49

Things have changed Schema Thing Oct 2013 #45

This is how twisted Americans are.... Spitfire of ATJ Oct 2013 #25

ya know.... irisblue Oct 2013 #28

That one has been reposted so many times that most everyone knows what it says. Spitfire of ATJ Oct 2013 #29

not to be snotty irisblue Oct 2013 #37

Translation.... Spitfire of ATJ Oct 2013 #40

thank you irisblue Oct 2013 #42

Hitler used the "True German" stuff the way Palin uses "Real Americans"... Spitfire of ATJ Oct 2013 #44

As a democrat, I feel immensely smug right now. :) nt Javaman Oct 2013 #6

I know how you feel. I thought that was pretty nifty myself... CTyankee Oct 2013 #10

K&R DeSwiss Oct 2013 #16

I got through on monday in the AM @ healthcare.gov ...... it took me 2 minutes Botany Oct 2013 #22

that was awesome! CTyankee Oct 2013 #48

Just when you think that girl is nothing but eye candy, BAZINGA! Hekate Oct 2013 #23

A bit of push back libodem Oct 2013 #26

that was a nice moment. I thought it encapsulated the whole thing perfectly. CTyankee Oct 2013 #27

Sometimes her silence implies libodem Oct 2013 #30

Maybe she just got fed up with his bs. He was again being pretty obnoxious, beating this CTyankee Oct 2013 #32

False flag operation! Kingofalldems Oct 2013 #34

Right! The whole thing was orchestrated by the White House! CTyankee Oct 2013 #35

And on another note: Ronan Farrow's smile looks just like CTyankee Oct 2013 #36

People have used paper and phone for many decades before websites existed IronLionZion Oct 2013 #38

The video and reactions blue14u Oct 2013 #46

SINGLE PAYER silenttigersong Oct 2013 #47