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Health Insurance Discussion

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  • HRx
    started a topic Health Insurance Discussion

    Health Insurance Discussion

    With all that's going on regarding this topic right now and the way insurance premiums as a whole has a significant financial effect on families today, I think this is a worthwhile thread to have.

  • HRx
    replied
    Originally posted by dgtxpride View Post
    That, or Obamacare's requirements, many of them unnecessary and excessive, are driving prices up even further.
    Health insurance has been increasing every year prior Obama becoming president. Obamacare aides in reducing the cost of health care and aides in improving the delivery of health care provided to patients. However, insurance companies continually look for ways to circumvent the methodologies proposed and continue to drive up cost as a way of foster the status quo of under insuring patients while driving up the cost companies and patients must bare.

    Leave a comment:


  • dgtxpride
    replied
    Originally posted by IBroke View Post
    Mine used to go up annually, too, and while I wasn't happy about it, I'm aware of the fact that costs go up. 41% in 7 months, however, is not acceptable. In addition to that, the letter about the increase going into effect on 3-1 stated that "the rate is usually adjusted once a year due to the rise in medical costs and for the increase in age of each person covered by the plan."

    The letter today also states the reason as "rise in medical costs and for the increase in age of each person covered by the plan". However, they dropped the "once a year"-notation. How funny! I'm curious what happened so unexpectedly over the last six months. Did the people covered all of a sudden got 10 years older? I'm suspecting they want to cash in big before Obamacare goes into effect.
    That, or Obamacare's requirements, many of them unnecessary and excessive, are driving prices up even further.

    Leave a comment:


  • tobee43
    replied
    instead of doing the correction on the hospital billing level...true story of the $150 small bandaide, they raise people's cost of care, or in our case lower our quality of care. unreal. again, a no win situation for us.

    Leave a comment:


  • keepsmiling
    replied
    And my school has stopped offering insurance to pt students.
    so I have one month left and then no idea.
    Aargh.

    Leave a comment:


  • IBroke
    replied
    Originally posted by scbendel View Post
    Yeah, mine goes up annually. As does the list of things they don't cover anymore. Same provider.
    Mine used to go up annually, too, and while I wasn't happy about it, I'm aware of the fact that costs go up. 41% in 7 months, however, is not acceptable. In addition to that, the letter about the increase going into effect on 3-1 stated that "the rate is usually adjusted once a year due to the rise in medical costs and for the increase in age of each person covered by the plan."

    The letter today also states the reason as "rise in medical costs and for the increase in age of each person covered by the plan". However, they dropped the "once a year"-notation. How funny! I'm curious what happened so unexpectedly over the last six months. Did the people covered all of a sudden got 10 years older? I'm suspecting they want to cash in big before Obamacare goes into effect.

    I called their hotline and it seems they are currently bombarded by calls. Rightfully so!

    Leave a comment:


  • scbendel
    replied
    Yeah, mine goes up annually. As does the list of things they don't cover anymore. Same provider.

    Leave a comment:


  • IBroke
    replied
    Originally posted by scbendel View Post
    I can't wait for Obamacare!!
    Me neither. Currently, I'm having insurance with Florida Blue. I never filed any claim with them. My premium on 2-1 was $111.00/month. On 3-1, it went up to $128.00/month. Today, I was notified it will go up on 9-1 to $157.00/month. That's an increase of 41% over 7 months! Are they serious???

    Somebody must stop this theft ASAP!

    Leave a comment:


  • scbendel
    replied
    I can't wait for Obamacare!! </sarcasm>

    Leave a comment:


  • keepsmiling
    replied
    Blooming SPAM alert.
    Yeesh.

    Leave a comment:


  • davidlucey
    replied
    Hello!
    according to me Health affliction in the United States is provided by abounding abstracted acknowledged entities. Bloom affliction accessories are abundantly endemic and operated by the clandestine sector. Bloom allowance is now primarily provided by the government in the accessible sector, with 60-65% of healthcare accouterment and spending advancing from programs such as Medicare, Medicaid, TRICARE, the Children's Bloom Allowance Program, and the Veterans Bloom Administration. Most of the citizenry beneath 65 is insured by an employer, some buy bloom allowance on their own, and the butt are uninsured.
    Thank you!

    Leave a comment:


  • keepsmiling
    replied
    Feelingnutsy.
    I was hoping that my post might help someone!
    Stupid question, but can you explain "Nunavut"?
    Our insurance went up to 1400 for two of us. No dental, no vision, no can do anymore, C7 here we come.
    Depends on your state really as to your options. In NJ they have a special pool for folks with pre-existing conditions. In other states if you belong to a Chamber of Commerce or many other kinds of groups there are group options available. Have you tried AARP? Asked about state initiatives? Truly the school deal is a pretty good one, you can take something fun or something career-related (we are both doing some Phys Ed classes) Sent in the payment and crossing fingers that all goes well-- if I can help you, feel free to pm me. Keep me posted, good luck!

    eta: I don't know how pre-exists would fit into all of this. Worth asking some questions tho.
    Last edited by keepsmiling; 02-12-2011, 01:13 AM.

    Leave a comment:


  • feelingnutsy
    replied
    Hi---keepsmiling---you just gave me an idea about the school/insurance connection.
    I'm having to give up my current healthcare---comprehensive---which is part of the
    reason that I did a bk/C7---the premiums were astronomical---now up to $1132/mo.
    I'm in my early 60's---33 months to go to Medicare---with pre-existing conditions---
    and the company that I was with for 30-plus years wouldn't accomodate me.

    Now I'm trying to get back on my feet after C7---like saving money and paying a
    few other bills---and watching the proverbial pennies---so where can you turn---
    at my age and with pre-exists---besides school?---since I've been shopping until
    I just about dropped from the emotional stress---and I'm fully flummoxed at this point.

    Any other places to turn?

    Leave a comment:


  • keepsmiling
    replied
    Here in NJ, the self-employed are really screwed when it comes to this topic. One of the reasons we are broke is that we had been paying a mortgage every month for coverage. The state plan that we were hoping to get on was smashed to bits last year when our people-loving governor took over... anyway, I came across an interesting idea..

    One reason we have been stalling on BK is due to not having ins anymore. Had to finally let it go when our savings disappeared between that and cc payments, it was over 3500/mo we didn't have.

    I recently learned that if I/we go back to college- even for a 1-credit class- we can get reasonably priced (for NJ anyway) insurance! Even with the cost of school this works out to a fraction of what we were paying before. Plus I can learn something useful, have free or cheap gym membership, etc.

    I REALLY wish I had known this years ago, I would not be in the postion I am in today. This after MANY fruitless discussions with counselors and congress people, and finally came across it in a web search.

    Oh and btw in NJ there do not seem to be any options for joining groups either- not the bar, not the Chamber of
    Commerce, not AARP, NOTHING.

    If someone knows something I don't, please fill me in!

    Leave a comment:


  • goodyphilips
    replied
    Well my policies have always with met since quite some time.I was talking about his intentions and i find him truthful and nice hearted man, a man with some ideals sitting on the presidency after long long time.

    Leave a comment:

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