Hey Mr. President
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
I don't pay for my insurance, one of the benefits of a small company. However, we did discuss our health plan this year in a meeting and the rates went up by a hefty percentage. If they do that again this year we will be changing health plans and/or the amount that employees pay.
If it moves, compile it
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
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I don't pay for my insurance, one of the benefits of a small company. However, we did discuss our health plan this year in a meeting and the rates went up by a hefty percentage. If they do that again this year we will be changing health plans and/or the amount that employees pay.
If it moves, compile it
Small company but we pay and pay.
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Looks like it's your provider screwing you, the changes to mine haven't been that bad. In fact we've actually wound up no longer having to make co pays on a number of things.
We keep switching providers to get the best deal. However...
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I don't pay for my insurance, one of the benefits of a small company. However, we did discuss our health plan this year in a meeting and the rates went up by a hefty percentage. If they do that again this year we will be changing health plans and/or the amount that employees pay.
If it moves, compile it
Quote:
one of the benefits of a small company
Really? The opposite has been true for me. I worked for HP and they payed for everything. Since then I have been with small companies and they don't pay for anything.
There are only 10 types of people in the world, those who understand binary and those who don't.
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We keep switching providers to get the best deal. However...
In Germany we have general health insurance beside if the style of insurances you have (we call that private health insurance) No need to worry when a child is sick or anything unexpected happens. One doesn't hope for it, but in case it's all covered.
regards Torsten When I'm not working
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
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Yes, this is what solidarity is all about : you pay a bit for those who cannot afford it.
~RaGE();
I think words like 'destiny' are a way of trying to find order where none exists. - Christian Graus Do not feed the troll ! - Common proverb
The problem is during the campaign he said lower cost. Never saying it had to go up before going down. Also I am not paying a bit, I am paying a lot. Please note that if you needed emergency care and could not afford it, you did not have to pay. Long term care has been a problem.
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The problem is during the campaign he said lower cost. Never saying it had to go up before going down. Also I am not paying a bit, I am paying a lot. Please note that if you needed emergency care and could not afford it, you did not have to pay. Long term care has been a problem.
djj55 wrote:
he said lower cost
:-D Well, I have never seen a system where you need less money to finance extra needs...
djj55 wrote:
I am paying a lot
I wonder how much that is. As a comparison. 22% of my monthly income goes to the Health care system. My employer has to pay an amount equivalent to about 50% of this income as well.
~RaGE();
I think words like 'destiny' are a way of trying to find order where none exists. - Christian Graus Do not feed the troll ! - Common proverb
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The problem is during the campaign he said lower cost. Never saying it had to go up before going down. Also I am not paying a bit, I am paying a lot. Please note that if you needed emergency care and could not afford it, you did not have to pay. Long term care has been a problem.
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
djj55 wrote:
My premiums went up again, my co-pays also went up.
This implies they were not going up before and I call BS on that. Take a look around. Its the pharmaceutics industry that you should be griping about. They have a grip on the federal regulations, doctors, Insurance companies, and even the Universities. Nothing is "discovered", released, covered by insurance, or tried by the public with out their OK. The last 2 years are the first years I have seen my premiums not rise by double digit % and my deductible actually stayed the same. Complaining that your insurance still went up with Health care reform is like complaining you still got bit by a mosquito after your community sprays bug killer.
Computers have been intelligent for a long time now. It just so happens that the program writers are about as effective as a room full of monkeys trying to crank out a copy of Hamlet.
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djj55 wrote:
My premiums went up again, my co-pays also went up.
This implies they were not going up before and I call BS on that. Take a look around. Its the pharmaceutics industry that you should be griping about. They have a grip on the federal regulations, doctors, Insurance companies, and even the Universities. Nothing is "discovered", released, covered by insurance, or tried by the public with out their OK. The last 2 years are the first years I have seen my premiums not rise by double digit % and my deductible actually stayed the same. Complaining that your insurance still went up with Health care reform is like complaining you still got bit by a mosquito after your community sprays bug killer.
Computers have been intelligent for a long time now. It just so happens that the program writers are about as effective as a room full of monkeys trying to crank out a copy of Hamlet.
A 5% raise (per year) is not a problem but a 20% raise is. Example doctor co-pay five years ago $10, today $30. This year specialist co-pay $50, next year $60. Five years ago specialist was $10.
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Quote:
one of the benefits of a small company
Really? The opposite has been true for me. I worked for HP and they payed for everything. Since then I have been with small companies and they don't pay for anything.
There are only 10 types of people in the world, those who understand binary and those who don't.
Both small companies I have worked at have covered everything like it was normal business. Both companies were/are doing very well though, and I have only worked at two places since I started programming. I probably don't have enough xp to be a strong voice.
If it moves, compile it
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
Me and my family have had supremely good service from our socialist National Health Service for as long as I can remember - heck - my 80 year old dad had a nasty accident recently and they didn't even refer him to a death panel!
It's well known that if all the cat videos and porn disappeared from the internet there would be only one site left and it would be called whereareallthecatvideosandporn.com
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Dear President Obama, Thank you so much for the Health Care Reform. My premiums went up again, my co-pays also went up. I think with the savings you promised I may need to start skipping lunch! :mad: I hope I can live long enough to see the "savings".
My rates haven't gone up... But they did stop covering optical and dental. Oh well. Come August I the wife's employer will cover me in full. You just need to find yourself a nurse to marry. :rolleyes:
Play my game Gravity: Android[^], Windows Phone 7[^]
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A 5% raise (per year) is not a problem but a 20% raise is. Example doctor co-pay five years ago $10, today $30. This year specialist co-pay $50, next year $60. Five years ago specialist was $10.
djj55 wrote:
A 5% raise (per year) is not a problem but a 20% raise is. Example doctor co-pay five years ago $10, today $30. This year specialist co-pay $50, next year $60. Five years ago specialist was $10.
If you are seeing a 20% raise in co-pay that sucks. But that is not necessarily because of healthcare reform. It is because the insurance you are provided decided to up the cost pre-emptively because they do not know what it will cost them. While you can say that it is inderectly related to the affordable health care act it is directly related to the insurance you are provided not knowing how to stop screwing people over. Rather than cutting the bonuses etc. they are raising your cost. Fortunately you are now protected as long as the state you live in is not retarded and atttempting to rebel against the act.
Quote:
Bringing Down Health Care Premiums. To ensure premium dollars are spent primarily on health care, the law generally requires that at least 85% of all premium dollars collected by insurance companies for large employer plans are spent on health care services and health care quality improvement. For plans sold to individuals and small employers, at least 80% of the premium must be spent on benefits and quality improvement. If insurance companies do not meet these goals, because their administrative costs or profits are too high, they must provide rebates to consumers. Effective January 1, 2011. Fact Sheet: Getting Your Money's Worth on Health Insurance.
It is also possible that your insurance is not complying with the act because a lot of the enforcement depends on your state being on board. You may want to check ( or already know ) where the politics of your state fall. Here is why that is important:
Quote:
Holding Insurance Companies Accountable for Unreasonable Rate Hikes. The law allows states that have, or plan to implement, measures that require insurance companies to justify their premium increases will be eligible for $250 million in new grants. Insurance companies with excessive or unjustified premium exchanges may not be able to participate in the new health insurance Exchanges in 2014. Grants awarded beginning in 2010.
You can read through the other highlights of the act here. http://www.healthcare.gov/law/timeline/full.html[
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djj55 wrote:
A 5% raise (per year) is not a problem but a 20% raise is. Example doctor co-pay five years ago $10, today $30. This year specialist co-pay $50, next year $60. Five years ago specialist was $10.
If you are seeing a 20% raise in co-pay that sucks. But that is not necessarily because of healthcare reform. It is because the insurance you are provided decided to up the cost pre-emptively because they do not know what it will cost them. While you can say that it is inderectly related to the affordable health care act it is directly related to the insurance you are provided not knowing how to stop screwing people over. Rather than cutting the bonuses etc. they are raising your cost. Fortunately you are now protected as long as the state you live in is not retarded and atttempting to rebel against the act.
Quote:
Bringing Down Health Care Premiums. To ensure premium dollars are spent primarily on health care, the law generally requires that at least 85% of all premium dollars collected by insurance companies for large employer plans are spent on health care services and health care quality improvement. For plans sold to individuals and small employers, at least 80% of the premium must be spent on benefits and quality improvement. If insurance companies do not meet these goals, because their administrative costs or profits are too high, they must provide rebates to consumers. Effective January 1, 2011. Fact Sheet: Getting Your Money's Worth on Health Insurance.
It is also possible that your insurance is not complying with the act because a lot of the enforcement depends on your state being on board. You may want to check ( or already know ) where the politics of your state fall. Here is why that is important:
Quote:
Holding Insurance Companies Accountable for Unreasonable Rate Hikes. The law allows states that have, or plan to implement, measures that require insurance companies to justify their premium increases will be eligible for $250 million in new grants. Insurance companies with excessive or unjustified premium exchanges may not be able to participate in the new health insurance Exchanges in 2014. Grants awarded beginning in 2010.
You can read through the other highlights of the act here. http://www.healthcare.gov/law/timeline/full.html[
Also 20% cost of insurance. I know the companies are to blame for a lot of it, however I am waiting for the savings promised by the president to start. I mean he was elected while telling us about the savings.
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Also 20% cost of insurance. I know the companies are to blame for a lot of it, however I am waiting for the savings promised by the president to start. I mean he was elected while telling us about the savings.
djj55 wrote:
I know the companies are to blame for a lot of it, however I am waiting for the savings promised by the president to start. I mean he was elected while telling us about the savings.
I get that. But at the same time when I read through what the Act does etc. I do not "not" agree with it. In fact most of it is just common sense to me and I am like "Wait... This implies Insurance companies have been ###### me over for quite some time now". While certain things are a given that it will not "save" the normal person anything, e.g. Eliminating Lifetime Limits on Insurance Coverage, those are also things that I strongly thing are necessary. Its ridiculous that the industry controls the pricing and then caps the insurance coverage thus allowing only the elite to get the treatment needed for some illnesses. In fact it is sickening and I do not see how anyone behind such a racket can sleep at night nor look at themselves in the mirror. But I digress. Yes savings were promised, but rates for most have slowed. Those that haven't are often victims of further fraud because the industry refuses to let up their tight grip. I am not saying this is what is happening in your case. But if you have not really looked it to why the cost is going up it is hard to say. If the insurance is providing a legitimate reason for the hike (note: "because of Obamacare" is not a legitimate reason) then I suggest you share it. But don't claim that the act itself is why your rate went up when you really don't know.
Computers have been intelligent for a long time now. It just so happens that the program writers are about as effective as a room full of monkeys trying to crank out a copy of Hamlet.