View Full Version : Largest health insurer on Colorado exchange collapses
http://www.9news.com/story/news/health/2015/10/16/health-insurer-insolvency/74050296/
Colorado HealthOP announced Friday that the state Division of Insurance has de-certified it as an eligible insurance company. That's because the cooperative relied on federal support, and federal authorities announced last month they wouldn't be able to pay most of what they owed in a program designed to help health insurance co-ops get established.
But it's working, really, we just need to believe.
We are losing our plan on 12/31 (Golden Rule). We will likely either be pushed into a more expensive group plan for small biz or an exchange plan. What I've noticed is that the exchange plans all seem to use the coinsurance model. Which means you need $$$ in your back pocket for care. I thought Zerocare broke down the economic barriers to care? Lulz. [ROFL1]
ETA: Story made Zerohedge now...
http://www.zerohedge.com/news/2015-10-16/obamacares-latest-casualty-largest-colorado-exchange-abruptly-collapses
Heard about this on NPR. Government told them that they would get something like 12% of what was promised.
Tinelement
10-16-2015, 14:24
Yeah, I just received my email.
I will be effing myself up before the 31st. Ha ha ha.
Heard about this on NPR. Government told them that they would get something like 12% of what was promised.
You mean the gov didn't keep its promise? [ROFL3]
That's okay because we're only paying less than what we pay for our cell phones. That's what change looks like!
https://www.youtube.com/watch?v=_lT4VzH5xY8
[I should be banned for posting a Zero vid, sorry]
Zundfolge
10-16-2015, 14:38
http://forum.gon.com/attachment.php?attachmentid=713440&stc=1&d=1359664118
Great-Kazoo
10-16-2015, 14:39
Join the crowd, knew about it a month or so back. One of the reasons i'm having to liquidate "parts"
My wife works for a major health provider and their situation is just as bad. HUGE deficits.
Zundfolge
10-16-2015, 15:05
Well for those of y'all that aren't Godless Heathens you can join us in the nifty little loophole of the ACA.
http://www.chministries.org/
Well for those of y'all that aren't Godless Heathens you can join us in the nifty little loophole of the ACA.
http://www.chministries.org/
Looked into that. Cost sharing <> insurance. And I think it's just a matter of time before it gets shut down.
That plan has a catastrophic coverage at $125K. That would bankrupt us.
BushMasterBoy
10-16-2015, 17:59
.gov is a scam anymore...next they will be taking body parts under "eminent domain"
You guys are all wrong. I know for a FACT that Potus said repeatedly that we'd be saving over 2500 bucks per year. AND, if you liked your doctor, you could keep your doctor. Now, mind you, MY doctor retired early when this $h!t hit the fan. So, maybe not me, but I'm sure all of you can keep you doctor.
Y'all just keep voting for Santa Clause. After all, he won the Democrat Debate.
Our kids have always gone to a Doctors office that took our ChampVA insurance. Basically these are doctors that take medicaid, government type insurance. Since this all started we have had a heck of a time finding a new doctors office for my kids. Almost everyone around here stopped taking government insurance. My wifes Doctor quit and retired early and my kids doctor did the same thing.
Can you talk some of your older kids into becoming docotrs?
Great-Kazoo
10-16-2015, 19:00
Our kids have always gone to a Doctors office that took our ChampVA insurance. Basically these are doctors that take medicaid, government type insurance. Since this all started we have had a heck of a time finding a new doctors office for my kids. Almost everyone around here stopped taking government insurance. My wifes Doctor quit and retired early and my kids doctor did the same thing.
More & more are either leaving practice OR have this notice in their newspaper ads. WE DO NOT ACCEPT INSURANCE. I told the sposue screw it. Let the IRS penalize you next year.
The true believers in the comment section of the denverpost are blaming Gardner the the R's for cutting funding and or touting how much they've saved since Ocare started [fail]
Zundfolge
10-16-2015, 19:14
Looked into that. Cost sharing <> insurance. And I think it's just a matter of time before it gets shut down.
That plan has a catastrophic coverage at $125K. That would bankrupt us.
We have the "gold" plan plus the "Brother's Keeper" which is unlimited and costs my wife and I $300/mo plus $50/quarter (which is for the "Brother's Keeper" catastrophic plan).
As for getting shut down, it was specifically carved out of the ADA so it won't be easy for them to get rid of it.
More & more are either leaving practice OR have this notice in their newspaper ads. WE DO NOT ACCEPT INSURANCE.
The other twist is that they setup 'concierge programs' where you have to spend thousands a year for the privilege of being a patient. You still have to pay for each visit.
Where's the incentive to become a doctor when the government sets prices?
bellavite1
10-16-2015, 19:32
Ok, so now what???
I just paid my premium and that is what we have!
BushMasterBoy
10-16-2015, 19:34
If I get really sick, I'll seek treatment in Mexico. Way cheaper. Plus, if I am dying, I'll just spend it all on hookers and blow. I have already suffered enough...
Calculated
10-16-2015, 21:19
I work at a company that employs like 20k in the US alone. My family plan with damn near the most extensive plan I could pay for was just under $180 a month. It's going up to around $300 next month. He really is giving the people what they want! The lazy ones are getting a better deal than I am! Socialism works! Wait...
blacklabel
10-16-2015, 21:23
I work at a company that employs like 20k in the US alone. My family plan with damn near the most extensive plan I could pay for was just under $180 a month. It's going up to around $300 next month. He really is giving the people what they want! The lazy ones are getting a better deal than I am! Socialism works! Wait...
We pay about $500 for terrible coverage from the exchange for our family. Much better coverage will be about $260 a month through my employer. I can't wait to get off the exchange plans.
Great-Kazoo
10-16-2015, 21:24
We have the "gold" plan plus the "Brother's Keeper" which is unlimited and costs my wife and I $300/mo plus $50/quarter (which is for the "Brother's Keeper" catastrophic plan).
As for getting shut down, it was specifically carved out of the ADA so it won't be easy for them to get rid of it.
So where does that leave someone like me, who is unable to follow spiritual guidelines? I know i'll ask them to make the spouse and i a cake. Then go to court [facepalm]
Circuits
10-16-2015, 21:26
Gov done gone made us equally miserable and underinsured.
Zundfolge
10-16-2015, 21:40
So where does that leave someone like me, who is unable to follow spiritual guidelines?
It leaves you SOL ... sorry.
But the only reason this option even exists is because it's an exemption from Obamacare on freedom of religion grounds.
Frankly I think the Health Care Sharing Group idea is a thousand times better than Obamacare for keeping costs down for people (of course pouring gasoline on yourself and lighting it on fire is a better idea than Obamacare)... I really believe that if they were to expand the law to allow for non-religious based HCSGs you'd see them EXPLODE and millions of Americans would join them.
I don't know ... maybe a bunch of Pagans could get together and start one though?
Gov done gone made us equally miserable and underinsured.
That's the goal.
There is only one economic condition that we can all share in....it isn't ultra wealthy.
It is poverty...and that is right where the elites want us. Of course they don't think very far ahead because if we're all in poverty who will pay the taxes to support the elites. Thank God for the 2nd.
newracer
10-16-2015, 22:25
I work at a company that employs like 20k in the US alone. My family plan with damn near the most extensive plan I could pay for was just under $180 a month. It's going up to around $300 next month. He really is giving the people what they want! The lazy ones are getting a better deal than I am! Socialism works! Wait...
My plan with Colorado Health Op was $650 per month for myself and my two sons. I am afraid to even think about what it going to be next year.
Rooskibar03
10-16-2015, 22:28
650 per month? Try $742 per paycheck, and Im paid twice a month.
Its obscene
hurley842002
10-16-2015, 22:37
650 per month? Try $742 per paycheck, and Im paid twice a month.
Its obscene
Holy crap!!!!
Sent from my iPhone using Tapatalk
Calculated
10-16-2015, 22:50
Correction, it was $180 a check every two weeks, with the occasional 3 check month. That's absurd though, you could buy a second home... I don't know how you can afford it. Meanwhile good Ole Barry has free Healthcare for life!
blacklabel
10-16-2015, 23:05
650 per month? Try $742 per paycheck, and Im paid twice a month.
Its obscene
Good God!
newracer
10-16-2015, 23:40
650 per month? Try $742 per paycheck, and Im paid twice a month.
Its obscene
That is obscene. I hope you at least have a good plan with a low deductible.
Singlestack
10-17-2015, 07:14
I have Colorado HealthOp, and got the cancellation letter this past week. A month or 2 ago, I heard an interview on Mandy Connell's show on 630 AM with a guy (Michael Beer) who was providing all kinds of information on lower-cost alternatives to Beehocare. I have been paying $603/mo, just for myself. I'm going to call him on Monday to see if I can get a quote. If nothing else, I like his name.
http://www.ushagent.com/michaelbeer
bellavite1
10-17-2015, 07:17
505 for myself and the wife.
Next year cheapest option is 604 with kaiser, 625 with Humana ( probably going with the latter).
Using a non approved plan or no plan at all would cost us $1390 in IRS penalties, about $130 a month.
Where is that vaseline jar again?
Sent from my XT1045 using Tapatalk
buffalobo
10-17-2015, 07:56
I have Colorado HealthOp, and got the cancellation letter this past week. A month or 2 ago, I heard an interview on Mandy Connell's show on 630 AM with a guy (Michael Beer) who was providing all kinds of information on lower-cost alternatives to Beehocare. I have been paying $603/mo, just for myself. I'm going to call him on Monday to see if I can get a quote. If nothing else, I like his name.
http://www.ushagent.com/michaelbeer
+1, heard that as well.
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Aloha_Shooter
10-17-2015, 12:04
right now they all want to be doctors. we will see how long that lasts. The Vet is just down the street.
The beauty for them is that the whole BS system will collapse by the time they get through pre-med, med school, and residency. If I were them, I'd make the pre-med years flexible enough to switch to veterinary medicine instead of human medicine. It's amazing what people will spend thousands of dollars on these days.
I hope this means some changes that health providers stop giving free care to illegals and folks without insurance and obamacare gets wiped out. Just one more failed program that government should have stayed out of. I'm tired of my health costs going up because the government wants to give it to other people for nothing.
https://www.youtube.com/watch?v=_lT4VzH5xY8
650 per month? Try $742 per paycheck, and Im paid twice a month.
Cheaper than a cell phone? How about more expensive than a mortgage?[facepalm][Mad]
I have insurance through work that I pay for every paycheck. After the $5K deductible, they let you pay 80% and they pick up 20%. After $12K out of pocket, they pay 100% until the plan resets again March 1st.
I can't believe the government lied to us and we never realized the promise of cheaper healthcare. [Sarcasm2]
bellavite1
10-17-2015, 19:05
+1, heard that as well.
Sent from my SCH-I545 using Tapatalk
Not an approved provider.
I looked into it in January and US Health is not an option.
They will penalize you $695 for each adult on your taxes.
The agents tend to not mention this, make sure you ask the right questions.
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buffalobo
10-18-2015, 08:17
Not an approved provider.
I looked into it in January and US Health is not an option.
They will penalize you $695 for each adult on your taxes.
The agents tend to not mention this, make sure you ask the right questions.
Sent from my XT1045 using Tapatalk
Thanks for the ammo.
Wonder how that type coverage totals up with the penalty?
It's ok, guys. Bernie Sanders said the solution to this problem is a single-payer healthcare plan.
We're saved!
Aloha_Shooter
10-19-2015, 22:25
It's ok, guys. Bernie Sanders said the solution to this problem is a single-payer healthcare plan.
That's been the plan all along. Anyone who thought Obama actually intended these exchanges to work has been fooling themselves. They want to destroy the private system and are happy to do it in stages.
Great-Kazoo
10-19-2015, 22:52
It's ok, guys. Bernie Sanders said the solution to this problem is a single-payer healthcare plan.
We're saved!
Want to see how well a government run health care system works. Visit an Indian reservation.
Circuits
10-19-2015, 23:26
The key to victory is to make sure that no matter what is chosen, all paths lead to the desired outcome, at least eventually.
This preserves the illusion of choice, to pacify the unruly, while guaranteeing the triumph of the state.
That's been the plan all along. Anyone who thought Obama actually intended these exchanges to work has been fooling themselves. They want to destroy the private system and are happy to do it in stages.
Which [the public option] is equally (if not more) unsustainable.
Where do they get the value (used to be money) to pay for all of this? A VAT? Higher payroll/income taxes? Sure, tax "the rich" (except Dems) and watch unemployment spike. It's a zero-sum game with collectivists.
I think a lot of Bernie voters know this but mistakenly think they will get to pick winners and losers.
That's been the plan all along. Anyone who thought Obama actually intended these exchanges to work has been fooling themselves. They want to destroy the private system and are happy to do it in stages.
I don't really see a problem with it, honestly. Treating healthcare as a for-profit enterprise will only hurt the consumer, which is everyone. From the surgery costs to the drug costs, there is profit that needs to be made at every level, which drives up the cost greatly.
Canada has basic medical care as single payer, with voluntary procedures (typically the most expensive procedures) not covered and subject to additional costs/coverage under private plans.
I'm going to say this now, because I know it'll be accused of me if I don't. Hillary is not to be trusted, and Bernie Sanders is living in a dream world and his plans are not fiscally feasible.
I don't really see a problem with it, honestly. Treating healthcare as a for-profit enterprise will only hurt the consumer, which is everyone. From the surgery costs to the drug costs, there is profit that needs to be made at every level, which drives up the cost greatly.
Canada has basic medical care as single payer, with voluntary procedures (typically the most expensive procedures) not covered and subject to additional costs/coverage under private plans.
I'm going to say this now, because I know it'll be accused of me if I don't. Hillary is not to be trusted, and Bernie Sanders is living in a dream world and his plans are not fiscally feasible.
I think that the much bigger problem is that with current health "insurance," people are completely insulated from the actual price of procedures and don't/can't price shop. Voluntary medical procedures like lasik and plastic surgery are for sure run on a for profit basis and the prices have been dropping while procedures have been getting better.
I wish I could remember the website, but there is a place where you can submit a procedure you need doing, and not only do they price shop for you, but actually pay you to go to the places that are less expensive. The payment comes directly from your provider, who is enthusiastic about people not blindly spending money that mostly falls to the provider.
I don't really see a problem with it, honestly. Treating healthcare as a for-profit enterprise will only hurt the consumer, which is everyone.
Hurt them how? Profit motive and market competition tends to increase quality and reduce prices. Just look at the technology market and imagine the pieces of crap you'd have and the high prices you'd pay if it weren't for competition.
When it's run by the government, it won't be cheap, won't be efficient, and the "customer" value will be weighed against the tax dollars they can bring in vs. how much their care will cost. Wife's godmother lived in Canada and had cancer. They just ran her around in circles and made her wait until she died. The same thing will happen here if we let it.
I think that the much bigger problem is that with current health "insurance," people are completely insulated from the actual price of procedures and don't/can't price shop. Voluntary medical procedures like lasik and plastic surgery are for sure run on a for profit basis and the prices have been dropping while procedures have been getting better.
I wish I could remember the website, but there is a place where you can submit a procedure you need doing, and not only do they price shop for you, but actually pay you to go to the places that are less expensive. The payment comes directly from your provider, who is enthusiastic about people not blindly spending money that mostly falls to the provider.
That is an interesting concept. If you can find that site again, please share.
Hurt them how? Profit motive and market competition tends to increase quality and reduce prices. Just look at the technology market and imagine the pieces of crap you'd have and the high prices you'd pay if it weren't for competition.
When it's run by the government, it won't be cheap, won't be efficient, and the "customer" value will be weighed against the tax dollars they can bring in vs. how much their care will cost. Wife's godmother lived in Canada and had cancer. They just ran her around in circles and made her wait until she died. The same thing will happen here if we let it.
Insurance isn't like car shopping. Can you ever say that you went to your insurance and said "Well this other company will do the procedure and only cost me $xxxx" and have them price match? No, it doesn't happen. Because they all work together and fix prices, or lock you in to a network of practitioners so that you can't shop around.
That is an interesting concept. If you can find that site again, please share.
Heard about it on NPR. I'll look for it right now.
Here it is.
http://www.npr.org/2015/10/09/447098694/why-most-people-don-t-shop-around-for-medical-procedures
Here it is.
http://www.npr.org/2015/10/09/447098694/why-most-people-don-t-shop-around-for-medical-procedures
Very interesting, thank you for finding that for me!
Everyone should probably be interested in this.
Great-Kazoo
10-22-2015, 00:55
Everyone should probably be interested in this.
Why? Do you or anyone else actually believe within the next year , we will have a choice. The fix was in when ACA became a reality. Then the .gov steered one to the state run health co-op. Which as everyone who has a pulse knows, is going tits up.
The writing for any "affordable" ins is on the wall. IMO by 2017 (if that) we will be paying OOP for everything. Then holding our breath wondering when the .gov reimbursement check will arrive.
Doubt it ill happen. Look at the fine print of quite a few MD's That small sentence which says SORRY WE DO NOT ACCEPT INSURANCE. Hell a lot of clinics and small time doc's have either closed or joined these "HEALTH COMBINES" UC Denver or Banner, to name a few. I was told why the small ones join. Unfortunately it escapes me at the moment.
Hurt them how? Profit motive and market competition tends to increase quality and reduce prices. Just look at the technology market and imagine the pieces of crap you'd have and the high prices you'd pay if it weren't for competition.
When it's run by the government, it won't be cheap, won't be efficient, and the "customer" value will be weighed against the tax dollars they can bring in vs. how much their care will cost. Wife's godmother lived in Canada and had cancer. They just ran her around in circles and made her wait until she died. The same thing will happen here if we let it.
That is what works...period. Nothing else.
Healthcare is NOT a right, it is something to be earned. A persons health is their business and their responsibility, selfish assholes are the ones who want other people to pay their healthcare bills.
Why? Do you or anyone else actually believe within the next year , we will have a choice. The fix was in when ACA became a reality. Then the .gov steered one to the state run health co-op. Which as everyone who has a pulse knows, is going tits up.
The writing for any "affordable" ins is on the wall. IMO by 2017 (if that) we will be paying OOP for everything. Then holding our breath wondering when the .gov reimbursement check will arrive.
Doubt it ill happen. Look at the fine print of quite a few MD's That small sentence which says SORRY WE DO NOT ACCEPT INSURANCE. Hell a lot of clinics and small time doc's have either closed or joined these "HEALTH COMBINES" UC Denver or Banner, to name a few. I was told why the small ones join. Unfortunately it escapes me at the moment.
The 2017 health plan everyone will be on is don't get sick.
Sound familiar?
Libtards will not admit this fail. And that's the worst part. If they would admit their ideas failed (as they always do) we could learn and move on. Of course then we wouldn't have Libtards.
hurley842002
10-22-2015, 09:29
Healthcare is NOT a right, it is something to be earned. A persons health is their business and their responsibility, selfish assholes are the ones who want other people to pay their healthcare bills.
Win! I've gone 10 years paying for health insurance, with nothing more than wellness visits every couple years, and the results are always perfect (knock on wood). Where is my discount for going to the gym (paid for by me)? Or my discount for eating healthier (more expensive) food?
Little off topic rant.
Obamacare does not seek to improve medical care or the administration of medical care. Obamacare only seeks to levy the financial burden of the stupid and lazy upon the industrious thereby bringing everyone down and to empower the government further towards tyranny.
I keep repeating, the only economic condition we can all share is poverty, one goal of Obamacare is to drive the people of this nation into poverty.
Obamacare does not seek to improve medical care or the administration of medical care. Obamacare only seeks to levy the financial burden of the stupid and lazy upon the industrious thereby bringing everyone down and to empower the government further towards tyranny.
I keep repeating, the only economic condition we can all share is poverty, one goal of Obamacare is to drive the people of this nation into poverty.
And meanwhile the costs continue to increase only at a higher rate now that we're all 'insured' because we all know how well insurance has done for driving the actual costs of covered goods down.
Stop giving health care to deadbeats & illegals!
Problem solved. Problem staying solved.
How is it that Ridge is the only person to comment on the only direct solution to rising pricess we've ever seen?
Yes, all those other issues exist, but as far as a company doing what had previously been impossible (price shopping), AND the providers encouraging it by directly paying insureds is a pretty big step in the right direction.
Great-Kazoo
10-22-2015, 14:31
How is it that Ridge is the only person to comment on the only direct solution to rising pricess we've ever seen?
Yes, all those other issues exist, but as far as a company doing what had previously been impossible (price shopping), AND the providers encouraging it by directly paying insureds is a pretty big step in the right direction.
Price shop with who?
NOW I REMEMBER!! One of the reasons smaller practices are joining the large (UC Health etc) groups. They get exemptions from the .gov how they treat, diagnose, bill patients AND the .gov.
Everyone in medicine is either going with the large "network" No longer accepting ins, OR closing shop.
I'm under the impression (from the article) that the more expensive prices are out of hospitals.
Circuits
10-22-2015, 14:34
I'm under the impression (from the article) that the more expensive prices are out of hospitals.
They are - you can only pay for all that (required) free indigent care by charging those who actually can/do pay a funkton of money.
DenverGP
11-02-2015, 18:30
Decided to dig this up since it's all Obamacare mess:
Just got an all-company email from my employer outlining yet more damage caused by the idiot in chief.
Team – I wanted to provide everyone an update on our medical insurance renewal.
The Affordable Care Act has put us in a difficult spot. Because we are very near but below the 50 employee threshold, we have very limited options. Basically, we can keep our current plan, which is much more expensive than last year, or adopt ACA-compliant plans, which are even more expensive and not as good. We explored other options but none made sense for us.
Therefore, we have decided to keep our current plan for 2016. And, while we will continue to subsidize much of this cost for employees, there will unfortunately be a substantial increase in your premiums. We plan to get the final rates to you in the next couple of weeks so that you can make your elections.
Yeah, everything gets better when the government gets involved. I can't believe they lied to us! [Sarcasm2]
I'm waiting for one of those letters myself, my plan was continued into 2016 so i'll wait again until later in the year.
My folks are on Medicare. As soon as ACA kicked in, Dad's cancer doctor retired. Mom's plan disintegrated and is a hollow shell of what it used to cover. They have no dental coverage now, which means that Dad's emergency dental surgery will be taken from their grocery money, which is less than $200/month. A few weeks ago, one of their friends choked on a piece of food that was caught in his esophagus, and he ended up needing surgery. Unfortunately, the surgeon that specialized in repairing such trauma moved to a larger city when ACA kicked in. Their friend ended up having to be medivac'd, instead of being able to go to the hospital as he once was. This ACA is a mockery and a sham, and anyone that doesn't see that is either being deliberately obtuse, or doesn't want to see the corrupt center of it all.
People's plans are being gutted, their benefits are reduced, and their choices removed. Don't give me the whole "who could price match insurance?" That's a straw man argument. People used to have a far greater selection among doctors in their plans. That's no longer the case. Now it seems that the choice is between "one or none."
And by the way, my folks worked their ASSES off their entire lives. Their nest egg and their 401K was reduced to nothing because they chose to help family members in dire straits. Healthy people that get cancer and heart problems are not lumped into the "find a creative way to cover my elective surgery" crowd. We've also got a large number of the populace that's getting older, and as you get older, things begin breaking down. There needs to be a way to bolster Medicare so our elderly population doesn't suffer at the greedy hands of fucking politicians that vote themselves exempt from the vile plan they've saddled us with.
Bailey Guns
11-03-2015, 07:25
I am so lucky. I have good insurance from work and the premiums only went up 3% this year. But the good news, I opted for the High Deductible plan last year and the deductible was over $3000. This year the same HD plan has a $1750 deductible. For ALL my benefits I pay a whopping $12 per month...BCBS health plan, dental, vision, life ins for me and wife and short term disability. I put about $750 per year into an HSA and that rolls over year after year.
I don't know how my company has dodged the ACA bullet but so far we have...knock on wood.
Sounds like you've got the holy grail of insurance plans!
We are blessed that my wife works for a self-insured hospital group. We have a reasonable monthly copay and they contribute the funds to our HSA as part of the benefits package.
My employer's insurance offerings, given we have around 1,000 employees, is much less affordable and has significant out of pocket costs in addition to the high copays.
[snip]
People's plans are being gutted, their benefits are reduced, and their choices removed. Don't give me the whole "who could price match insurance?" That's a straw man argument. People used to have a far greater selection among doctors in their plans. That's no longer the case. Now it seems that the choice is between "one or none."
[snip]
This is the way I see it as well. The ACA was designed to consolidate the insurers who consolidate the providers. It's a giant pyramid with Barack Hussein Obama at the top pissing on everyone else.
In a true market we have this ability. And prices tied to market rates which would make insurance less of a necessity for basic care. But once gov gets involved with cost shifting, mandatory contract rates, and mandatory treatment laws, all bets are off.
Insurers and FedGov are the middle-men of healthcare and they need every cent from payers.
Bailey Guns
11-03-2015, 16:18
Sounds like you've got the holy grail of insurance plans!
I don't know if the plan is really any better than any other...I just don't have to pay much for it.
Zundfolge
11-03-2015, 16:38
The ACA was designed to consolidate the insurers who consolidate the providers. It's a giant pyramid with Barack Hussein Obama at the top pissing on everyone else.
I think the idea is to make it so bad that the people BEG for the slavery of a Marxist run healthcare system like the British NHS. Only after we get it and people start dying on waiting lists will people realize how badly we've been lied to.
Any replacement for the ACA that isn't 110% free market driven is going to fail.
And it just gets better. Just heard on the news the other day that there is a push to get a ballot initiative pushed through so that Colorado residents can vote for, or against, a state run single payer health care system and if I remember right, the pushers for it said something like they would only need to add a 10% tax on each pay check to cover it. What a deal. Yes, it is a democrat pushing for it.
Zundfolge
11-03-2015, 17:10
And it just gets better. Just heard on the news the other day that there is a push to get a ballot initiative pushed through so that Colorado residents can vote for, or against, a state run single payer health care system and if I remember right, the pushers for it said something like they would only need to add a 10% tax on each pay check to cover it. What a deal. Yes, it is a democrat pushing for it.
yep
https://www.ar-15.co/threads/152062-Colorado-to-vote-on-single-payer-in-16
Great-Kazoo
11-03-2015, 17:26
And it just gets better. Just heard on the news the other day that there is a push to get a ballot initiative pushed through so that Colorado residents can vote for, or against, a state run single payer health care system and if I remember right, the pushers for it said something like they would only need to add a 10% tax on each pay check to cover it. What a deal. Yes, it is a democrat pushing for it.
They have the signatures, it will be on the ballot. The real question and test for "us" is. IF the "single payer" passes. What does that say about CO?
Zundfolge
11-03-2015, 17:35
IF the "single payer" passes. What does that say about CO?
It means one of two things (bad things) 1) The demographics of Colorado have shifted into way left California territory or 2) The new mail-in-only ballot system mean any election can be rigged with little effort.
Great-Kazoo
11-03-2015, 17:41
It means one of two things (bad things) 1) The demographics of Colorado have shifted into way left California territory or 2) The new mail-in-only ballot system mean any election can be rigged with little effort.
OR
D: ALL THE ABOVE
Yeah, I'm not holding my breath for that one. After this massive collapse, people probably can't wait for the .gov to save us.
.gov will save them by ushering them to their graves, just like Stalin and Mao saved millions of their own citizens.
Wife was talking to her rheumatologist today. She and her husband are in their 50s, both are doctors, and have their own practices in the same office. By 2018 doctors will have to be affiliated with a larger facility to treat patients under Medicare. Her small practice will be closing and she'll be going to work at University Hospital. Her husband's practice will be closing. The older doctors they know are retiring early and are closing their practices.
So that stuff Kazoo is always yelling about is true?
Great-Kazoo
11-03-2015, 21:26
So that stuff Kazoo is always yelling about is true?
Deal with it. It's been coming since the ACA was close to being signed in to law. The government can't dictate it's way out of it's own problems. Let it run nationwide health care [ROFL2]
AS i've said numerous times. Want to see how a government health care system works, visit an Indian Reservation. A fucking mess is being too polite.
I may be getting my own insurance soon and am a bit worried about it.
Great-Kazoo
11-03-2015, 21:56
I may be getting my own insurance soon and am a bit worried about it.
You should be. Plan on an easy $250 per month for you / no family. Unless you go with a HMO like Kaiser. The hidden secret of this whole fiasco is every plan has a subsidy from the feds. Based on what you / family gross, how many in household etc. Amazing they can find an average of $2-500 per household subsidizing you ins plan. YET unable to keep the shitty state CO-OP afloat. Once again forcing everyone in to an eventual single payer plan.
I suggest you start looking for an in network proctologist, it's going to hurt. Maybe not this year but it's coming and will take more from you on the back end ( Tax time) then most will be ready for.
I'll never go with Kaiser again if I can help it. If this were my website, I'd program a filter so I wouldn't ever have to even read that name again.
Anyway, we already have a high deductible plan (and had to pay it all this year) and that is working out okay so far.
Interesting read. Too bad many people can't think a half step ahead to understand the consequences of their actions.
Obamacare Is Dead (http://www.nationalreview.com/article/426550/obamacare-failures)
It doesn’t work because it couldn’t work.
Regardless of whether there is a President Cruz or a President Rubio in January 2017, regardless of the existence or size of a Republican majority in Congress, the so-called Patient Protection and Affordable Care Act (ACA) has failed. The grand vision of an efficient pseudo-market in health insurance under enlightened federal management — the heart of Obamacare — is not coming to pass. Obamacare, meaning the operating model that undergirded the law that Congress passed and President Barack Obama signed with great fanfare — is dead, and it will not be revived. What remains is fitful chaos.
sellersm
11-05-2015, 19:43
Great summary by a Notre Dame University engineer....Here are the 10,535
pages of Obama Care condensed to 4 simple sentences. As humorous as
it sounds...every last word is absolutely TRUE!
1. In order to insure the uninsured, we first have to un-insure the insured.
2. Next, we require the newly un-insured to be re-insured.
3. To re-insure the newly un-insured, they are required to pay extra charges
to be re-insured.
4. The extra charges are required so that the original insured, who became
un-insured, and then became re-insured, can pay enough extra so that the
original un-insured can be insured, so it will be ‘free-of-charge’ to them.
This, ladies and gentlemen, is called "redistribution of wealth"or, by its more
common name, SOCIALISM , or “PROGRESSIVE”, the politically correct
names for COMMUNISM.
sellersm (https://www.ar-15.co/members/5886-sellersm) - right on!!! That is EXACTLY what ohshitilostmydoctorcare is all about.
Batteriesnare
11-05-2015, 22:59
We've seen a 12.5% increase in my premium to keep the same plan for next year. Though my wife is a teacher and gets Kaiser at "reasonable" cost, it would be almost $500/month to add me to her plan, so almost any other plan is cheaper, which is pathetic.
Great-Kazoo
11-05-2015, 23:14
We've seen a 12.5% increase in my premium to keep the same plan for next year. Though my wife is a teacher and gets Kaiser at "reasonable" cost, it would be almost $500/month to add me to her plan, so almost any other plan is cheaper, which is pathetic.
Interesting. Using 2 different computers i did a search for Ins through companies who advertise they provide coverage. Cigna, AARP for starters.
Different ages, income etc. Guess where they steered me to? Kaiser P. Forced Ins providers. SHOCKED I TELL YOU, SHOCKED.
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