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  1. #16
    Join Date
    Feb 2009
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    Re: My Obamacare Experiment



    Quote Originally Posted by HoustonRaven View Post
    I'll hire you for some landscaping
    Haha.


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  2. #17
    Join Date
    Aug 2007
    Location
    Houston, TX Y'all
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    27,525

    Re: My Obamacare Experiment

    Day two ....

    Tried to log back in, but got the screen like yesterdays that tells you they're very busy and to not navigate off or I will lose my place in line.

    Waited an hour and finally gave up.

    I will try and call the 800 number later when I have a free second.
    Last edited by HoustonRaven; 10-04-2013 at 05:27 PM.
    WARNING: This post may contain material offensive to those who lack wit, humor, common sense and/or supporting factual or anecdotal evidence. All statements and assertions contained herein may be subject to literary devices not limited to: irony, metaphor, allusion and dripping sarcasm.




  3. #18
    Join Date
    Sep 2009
    Location
    Clayton,NC
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    7,743

    Re: My Obamacare Experiment

    Let us know (if you call) what the wait time is. I'm curious to see if the website is sooooo busy, if the people at 1800FUCKYO are too.

    IT would only make sense if people can't sign up on the site that they'd call the number provided.
    We are all born ignorant, but one must work hard to remain stupid. - Benjamin Franklin




  4. #19
    Join Date
    Aug 2007
    Location
    Houston, TX Y'all
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    27,525

    Re: My Obamacare Experiment

    Got through but was told the same glitch that was happening yesterday was happening again today.

    Got through with about a 15 minute wait time and spoke to a real person. Asked where she was located and she said Canada. Go figure.
    WARNING: This post may contain material offensive to those who lack wit, humor, common sense and/or supporting factual or anecdotal evidence. All statements and assertions contained herein may be subject to literary devices not limited to: irony, metaphor, allusion and dripping sarcasm.




  5. #20
    Join Date
    Aug 2007
    Location
    Houston, TX Y'all
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    27,525

    Re: My Obamacare Experiment

    So finally signed in but had the site crash mid way through the process. I did get to the page of my deductible though.

    If I read it right, my OOP expenses would cap out $12,500. But that's all OOP expenses. Currently, my plan via my wife's employer caps my payments depending on the type of expense. For example, if I have to go to the emergency room, it's capped at $2,000. My prescription cap out is $750, etc.

    I don't remember what the plan name was.
    WARNING: This post may contain material offensive to those who lack wit, humor, common sense and/or supporting factual or anecdotal evidence. All statements and assertions contained herein may be subject to literary devices not limited to: irony, metaphor, allusion and dripping sarcasm.




  6. #21
    Join Date
    Oct 2007
    Location
    Stuttgart, Germany
    Posts
    8,271

    Re: My Obamacare Experiment

    Quote Originally Posted by HoustonRaven View Post
    So finally signed in but had the site crash mid way through the process. I did get to the page of my deductible though.

    If I read it right, my OOP expenses would cap out $12,500. But that's all OOP expenses. Currently, my plan via my wife's employer caps my payments depending on the type of expense. For example, if I have to go to the emergency room, it's capped at $2,000. My prescription cap out is $750, etc.

    I don't remember what the plan name was.
    That's interesting.




  7. #22
    Join Date
    Sep 2010
    Location
    Pikesville
    Posts
    4,268

    Re: My Obamacare Experiment

    Quote Originally Posted by Dade View Post
    That's interesting.
    Obviously private insurance is and will remain preferable in most cases, but for people like me who's private insurance options as a short order cook hover somewhere between nothing and crap, even a plan that caps it as high as 12gs is a god send. My cousin spent a week in Hopkins last year with no insurance... He's facing about 10.5X more than that in debt right now.
    My motto was always to keep swinging. Whether I was in a slump or feeling badly or having trouble off the field, the only thing to do was keep swinging. -Hank Aaron




  8. #23
    Join Date
    Aug 2007
    Location
    Houston, TX Y'all
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    Re: My Obamacare Experiment

    Quote Originally Posted by ActualSpamBot View Post
    Obviously private insurance is and will remain preferable in most cases
    That's not how Obamacare was sold. It was always supposed to be a direct competitor to the private insurance companies, a cheaper alternative, etc.

    Quote Originally Posted by ActualSpamBot View Post
    but for people like me who's private insurance options as a short order cook hover somewhere between nothing and crap, even a plan that caps it as high as 12gs is a god send.
    That's on your employer. I know two bar owners in Fells who both found insurance for all of their people. Problem was, very few took it as it ate into their cash. They were very affordable plans too. Some did take the plans such as full time bartenders, cooks, etc.
    WARNING: This post may contain material offensive to those who lack wit, humor, common sense and/or supporting factual or anecdotal evidence. All statements and assertions contained herein may be subject to literary devices not limited to: irony, metaphor, allusion and dripping sarcasm.




  9. #24

    Re: My Obamacare Experiment

    Quote Originally Posted by HoustonRaven View Post
    That's not how Obamacare was sold. It was always supposed to be a direct competitor to the private insurance companies, a cheaper alternative, etc.
    i think this is how it was sold but not how its going to actually work. Its seems to me its going to be the ceiling the free market has to contend with not the basement that everyone chooses. I know insurance companies are whining about it and saying they cant compete, but im sure theyll miraculously find a way now that its in place. I believe they already are.
    -JAB




  10. #25
    Join Date
    Aug 2007
    Location
    Houston, TX Y'all
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    My Obamacare Experiment

    Quote Originally Posted by JAB1985 View Post
    i think this is how it was sold but not how its going to actually work. Its seems to me its going to be the ceiling the free market has to contend with not the basement that everyone chooses. I know insurance companies are whining about it and saying they cant compete, but im sure theyll miraculously find a way now that its in place. I believe they already are.
    Huh?

    Read any news outlet you want. This is causing premiums to go up, not down. And I'd like to see these insurance companies saying they can't compete. Remove the nonsense regulations that are driving up the cost of private insurance, and there'd be no competition.

    Our policy doubled this year.
    WARNING: This post may contain material offensive to those who lack wit, humor, common sense and/or supporting factual or anecdotal evidence. All statements and assertions contained herein may be subject to literary devices not limited to: irony, metaphor, allusion and dripping sarcasm.




  11. #26

    Re: My Obamacare Experiment

    Quote Originally Posted by HoustonRaven View Post
    Huh?

    Read any news outlet you want. This is causing premiums to go up, not down. And I'd like to see these insurance companies saying they can't compete. Remove the nonsense regulations that are driving up the cost of private insurance, and there'd be no competition.

    Our policy doubled this year.
    im saying i think ACA will be higher than the free market dictates, if it isnt already. nobody is going to pay more than the ACA permits so its basically the ceiling for how much one has to spend and not the "cheapest" plan available. Unless i misunderstood what you were saying.

    I havent seen any changes in my healthcare personally. if its gone up, its only been marginally and less than years past.
    -JAB




  12. #27

    Re: My Obamacare Experiment

    Quote Originally Posted by JAB1985 View Post
    im saying i think ACA will be higher than the free market dictates, if it isnt already. nobody is going to pay more than the ACA permits so its basically the ceiling for how much one has to spend and not the "cheapest" plan available. Unless i misunderstood what you were saying.

    I havent seen any changes in my healthcare personally. if its gone up, its only been marginally and less than years past.
    Mine didn't go up, but they switched from BCBS to freaking Cigna...and also a lot fewer options to choose from.

    I have no idea if it's the result of ACA, but I know I'm not happy at all with the switch in carriers.


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  13. #28

    Re: My Obamacare Experiment

    Quote Originally Posted by Raveninwoodlawn View Post
    Mine didn't go up, but they switched from BCBS to freaking Cigna...and also a lot fewer options to choose from.

    I have no idea if it's the result of ACA, but I know I'm not happy at all with the switch in carriers.


    Sent from my iPad using Tapatalk HD
    yeah, i have the same carrier (BCBS) and everything. nothing has really changed. Ive been at my company almost 9 years and the cost went from 49$/month to 85$/month for our high plan. I think the only thing that may have changed this time is our deductible went from 250 to 300 but the price stayed the same and honestly I think that happened before this past year, I just know it did happen somewhat recently.
    -JAB




  14. #29
    Join Date
    Aug 2006
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    Re: My Obamacare Experiment

    yeah, I never understood Obamacare to be something EVERYONE should be using. I understood it to be a tool to help someone with crappier plans or no plans at all get a good deal. I know I won't need to touch it, because I have a plan through my job, BCBS. Nothing has gone up for us significantly yet, but I also have the "Gold Plan" (high bi-weekly premiums to get low deductible and low OOP cap) due to my wife's ongoing cancer.

    To be honest, I'm willing to admit that the insurance exchange portion may not be a perfect thing. But I wish that if people chose to fight it, they'd suggest alternatives instead of outright destroying ACA. There are a LOT of good things ACA tackles, such as no denial of coverage for pre-existing conditions, which is something that directly benefitted my family when my wife's job terminated her on LTD, and she had to change insurance to my plan. Without ACA, they could've chosen to deny us and we would've had to shlep by uninsured for two years, or go with COBRA?, until Medicare kicked in. Instead, she was able to continue with treatment without any sort of hiccup. And the expansion of covered items such as mental health care, preventative screenings, etc. I know a lot of people don't like the idea of covering birth control, but honestly, that's such a small piece? Like I said, everyone I see that attacks it, seem to focus on outright ripping the whole thing out instead of suggesting an alternative to assist people who want insurance but can't afford it currently, and keeping other portions of the Act which helps a lot of people out.
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  15. #30
    Join Date
    Sep 2009
    Location
    Clayton,NC
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    Re: My Obamacare Experiment

    Quote Originally Posted by RavenScallywag View Post
    yeah, I never understood Obamacare to be something EVERYONE should be using. I understood it to be a tool to help someone with crappier plans or no plans at all get a good deal. I know I won't need to touch it, because I have a plan through my job, BCBS. Nothing has gone up for us significantly yet, but I also have the "Gold Plan" (high bi-weekly premiums to get low deductible and low OOP cap) due to my wife's ongoing cancer.

    To be honest, I'm willing to admit that the insurance exchange portion may not be a perfect thing. But I wish that if people chose to fight it, they'd suggest alternatives instead of outright destroying ACA. There are a LOT of good things ACA tackles, such as no denial of coverage for pre-existing conditions, which is something that directly benefitted my family when my wife's job terminated her on LTD, and she had to change insurance to my plan. Without ACA, they could've chosen to deny us and we would've had to shlep by uninsured for two years, or go with COBRA?, until Medicare kicked in. Instead, she was able to continue with treatment without any sort of hiccup. And the expansion of covered items such as mental health care, preventative screenings, etc. I know a lot of people don't like the idea of covering birth control, but honestly, that's such a small piece? Like I said, everyone I see that attacks it, seem to focus on outright ripping the whole thing out instead of suggesting an alternative to assist people who want insurance but can't afford it currently, and keeping other portions of the Act which helps a lot of people out.
    Those good things are why the premiums are going up. I'll admit I like some of them (or most) in theory but in practice is something entirely different.

    You can't have an insurance company cover more people, with more illnesses and never be able to drop them and not have the cost go up. Think of it like car insurance, there need to be good drivers (healthy people) to cover the bad drivers (sick people), and when the bad drivers get into more wrecks the insurance company can cover, the insurance company has to drop them in order to pay for the plans other drivers bought, or they go out of business (which I think was ultimately the goal of Obamacare).

    ACA (why is it called the affordable care act when it's making everything more expensive?) needs to go away. And the whole system needs to be changed.
    We are all born ignorant, but one must work hard to remain stupid. - Benjamin Franklin




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