Anyone with insurance acutally have premiums go down? Post here.

My premium with up by 50% than I had to give it up.

 

I've had health-care insurance for the past 40 years, or so. I have never had my premiums go down during that time. The rate of increase in my premiums, however, has been reduced significantly over the past several years. I have the same insurance policy, but it actually covers more now than it did prior to the passage of the PPACA.

I assume that this thread is intended as an ObamaCare© protest. Was that your intention?

Why did you experience such an extreme increase in your premiums? Have you considered purchasing insurance from a different provider?

 

I did purchase new insurance. The premium is 25% more the deductible double and flexible spending account was eliminated. I only have one prescription. It is no longer covered under the new plan. I can not choose my old doctor. I have to use a group hospital. Then my Medicare tax on my pay stub went up $150 a month at the begging of the year. Thanks liberals. You made a hardcore enemy for life.

 

I see. Prior to your great misfortune, you were a Democratic voter, huh?

 

My premiums have also gone up each year. The biggest jump was when government required 26 year olds to be covered. Then another big jump when a large company bought our small family owned company. This company had made sure its insurance was up to par with future government regulations.

There was a time....when a large corporation had excellent coverage at a low price. Now they have to "conform".

 

I see. You preferred for the private insurance corporations to not have to "conform" to covering preexisting conditions?

You preferred that they had the option to limit coverage of particular diseases, or had the option to drop you because you became seriously ill?

You liked it better when you paid for a family policy for 30 years and then they told you that your child was no longer insured because they turned 18?

It was better for you, I suppose, when insurance policies didn't cover diagnostic tests?

Yeah, Buddy! Those were the Good Old Days, weren't they?

 

I just got approved for Medicaid in Florida, my Medical costs via the HMO is very low for example my $600 insulin pens for five costs $19.40 that covers 60 days. To see my doctor costs $3.90 before sliding fee scale it was $25. And no premiums. I have my application in for the HMO.

 

Sorry checked my plan no co-pays either, free for me is even better.

 

The good old days was 50% less and 1/3 the deductible.

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You can thank me. I'm paying for that.

 

Quite frankly, I don't believe anything that you say.

 

Good luck on finding a doctor. I have a friend whose husband has a blood disease that isn't getting treated...because they can't find a doctor. They are on either Obamacare or medicaid...not sure which.

 

There is no such thing as an "Obamacare" insurance policy. Republicans are so dense that I wonder how they manage to get their shoes tied in the morning.

 

Their is no "being on Obamacare".

 

The HMO already arranged key medical appointments within the month with three specialists my primary care doctor JUMPED to get me referred and the Community Health Centers here is my primary care provider and is in in all the HMO plans and my primary care is excellent. Medical care covers primary doctors, nutritionists, a podiatrist, mental health, pharmacy and dentistry under one blanket. That leaves only specialists and other care which so far is not an issue. Being smart on your end using Medicaid is important to.

 

People on "Obamacare" might disagree. They are the ones dealing with the bureaucrat mess...constant calls to people who don't know what they are doing or say they are doing something to find out nothing has been done and they are back where they started and talking with a different person saying a different thing. Then you have those on "Obamacare" who were happy with what they had and are forced to sign up to something that is unaffordable. This is "Obamacare" created by Obama.

 

I'm trying to figure out how you can just put in your HMO application and yet all this is happening. Am I misreading something?

 

Unfortunately is such a thing as "Obamacare" insurance and the term is used by doctors and hospitals and other providers to identify insurance plans that have been proven to pay less than they quoted when insurance coverage was "checked" by provider staff", insurance that failed to pay as promised when coverage was verified or proven to just be a problem all around. It is a policy likely purchased through the federal Exchange some via the State Exchanges. They traditionally pay less than Medicare Reimburses for the same treatment/surgical procedure. Therefore, as more Hospitals, Clinics and private practice providers encounter them, they are dropping them. Meaning they notify the plan they will no longer be participating/accepting this insurance
plan. This doesn't mean they don't contract with this same insurance company on other policy plans they offer.

Since my husband is a sole-proprietor doctor/surgeon, various companies he contracts with(only because he is basically forced to do so) called him to ask if he wanted to participate in their, Obama/Exchange Plans. They actually told him that he would be reimbursed less than what medicare would pay for the same services. I am talking about doing a complicated Surgical procedure that in the early 90's he was paid $1000.00 for(including 10 post-op follow-up visits including supplies, etc) and now being paid between $100.00-300.00 for the same. In the case of Obama/Exchange plans the companies advised he would, in most cases, only be reimbursed half of that.

Sorry, but no provider can afford to provide services that expose them to liability, require they provide free care for 10 vists, and 6 months post-operative care for less than it costs to provide the care and without earning any profit at all. And, since they are providing a "service" and not a product; they are unable to deduct their losses from their income.

 

How could it be possible for the premium to go down on the "very same insurance policy", with the very same benefits, deductible per person or per family(policies differ when it comes to this), same out of pocket and same available providers(including doctors, surgeons, hospitals, clinics, ancillary services, prescriptions). In other words exactly the same, no changes?

It is unlikely it is possible unless the insurance plan is now offered on the Federal or State exchange and the insureds remained the same and qualify for "premium subsidy". Period.

Further, an individual or family non-group policy offering the same coverage, deductible, out of pocket and choice of providers as the one prior to the passage of PPACA likely no longer exists. Why, because individuals and families only paid premiums for policy benefits they needed. The most costly benefits and the benefits that had the highest cost and increased premiums the most have always been Maternity and New Born Care plus increased premiums for those with diagnosed chronic illness such as heart disease, diabetes, cancer, liver disease, Rheumatoid Arthritis, Alcoholism, Drug Addiction, Psych Disorders, and so on. In other words diagnosed, chronic disease.

So those without ANY need for Maternity, New Born or Pediatric insurance benefits due to age or sex are paying at minimum 25% more for their insurance because HHS mandated minimum coverage they will never need in order to pay for those that do need it. And, up to 50% of those that need this coverage are likely also getting a premium subsidy that we are also paying for via our income tax and the hidden taxes included in the PPACA. Yet our children over 26 years old who have recently graduated from College or Graduate School and who can't find jobs that pay enough for them to start out on their own, are told to either pay the penalty or apply for Medicaid. Many of them don't qualify for Medicaid because they earn too much and don't qualify for Premium Subsidy because they are told they earn too little.

These individuals are in what I call the "Obama care Hole". Similar to the seniors "donut hole".

So either the parents, if they can afford it pay their premiums with no tax credit; or the kid or parent pays the fine.

Really, they don't qualify for any assistance and still pay a fine because they have income. While those that don't work at all get food stamps, Medicaid, and qualify for other government hand outs.

What a crock of you know what.

And, now, contrary to what the President said in his first "State of the Union", Illegals will get free health care. What a bunch of cr p.

 

I can sign up and get a temporary card for Medicaid and the HMO attached to a major insurer, printed by the counselor in her office yesterday, then told the doctor who had the staff including social workers going to get approvals from doctors its not hard actually the goal is to get me on a plan and seeing key specialists within a few weeks. With a former heart attack eight years ago, documented bleeding in the eyes and nerve damage pain those are major issues. It will take ten days to get my permanent cards and all.

But the Community Health Centers include all the specialty care listed since the primary care home is the CHC in my county I can easily see all the ones listed the specialists they can't provide I have appointments with after three weeks to be sure everything clears.

I find it a very efficient way to handle Medicaid.

 

For what conceivable surgical procedure with ten follow up visits is he being paid $100? Earwax removal costs more than that and doesn't require follow up visits. Please post a list.

 

So exactly what insurance did they have before the ACA?

 

My premiums have not gone up so far but then I work for a self insured corporation and they have been excused from participating so far by Obama's illegal edicts.

 

Our insurance which is very good went up but were getting less. A little cutting here and a little there. Higher deductibles. Wait Nexium is cheaper!!!! That's good for my wife. Nothing that is going to break our bank but still...Obama said it would all get cheaper. You mean he lied? Inconceivable !!!!!!!

 

This entire post consists of absolute nonsense.

 

In the good old days mommy and Daddy paid for everything. Unfortunatly everbody has to grow up eventually.

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Hudson has an imaginary husband.