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Re: Obamacare, I'm so confused
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My sister-in-law ended up getting a plan through Amerihealth. Its not as good or cheap as the plan she had in Texas (which was $100 less a month and gave her a life insurance policy as well), but did cover her for catastrophic. Plus it was HSA compliant.
The cheapest plans in NJ (Basic & Essential) are now banned under Obamacare, so you will have no choice but to buy the more expensive plans. I would avoid for now using the government website, at least to just shop around. Ehealthinsurance.com has the plan listings for 2014 without having to register your personal info with an non-secure website.
Posted on: 2013/12/1 19:15
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Re: Obamacare, I'm so confused
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Posted on: 2013/12/1 18:07
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Obamacare, I'm so confused
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I find it difficult making a choice about which insurance plan to go with. Is there someone to talk to in order to get advice?
I'm covered under COBRA for another year but the premium is expesnive ($585) and it's a mediocre HMO policy. I'm not sure how to compare it to the various packages that the 4 Obamacare comapnies are offering in NJ. I would not be eligible for a tax deduction. For example, and this may be a stooopid question, but as typical with present HMO policies, I pay fixed amounts to see my primary physician and specialists. Would that be out the window with Obamacare and would it be strictly a percentage of the fee? Hospital fees have a deductible and the insurance company pays the rest. Is that not true of Obamacare packages? Anyway, I'd love to talk to an impartial specialist in these matters. Are such people available?
Posted on: 2013/12/1 17:30
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Re: Affordable Care Act - Does anyone have any info about this?
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Nonsense. The population of the USA overwhelmingly opposes 'single payer' (which is a nice way of saying government run and controlled healthcare). And your comment about 'throwing the baby' is basically what Obama has been saying about the millions of people who've lost their healthcare already because of his 'signature' accomplishment, lol! And trust me, nothing would be 'simple' about socialized medicine except insanely long waits for care a la Canada. Luckily I can afford concierge doctor care, I feel bad for those who will lose the plans they enjoy now and be forced into more expensive plans with doctors they don't want. This experiment into socialism and wealth redistribution (which is what the goal is) will be an epic fail for the middle class-the wealth earners will end up fine, the poor will gain a bit and the wage earners will be hit hard.
Posted on: 2013/11/25 14:51
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Re: Affordable Care Act - Does anyone have any info about this?
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Wishful_Thinking wrote: The only interesting part of that comment is, - why did Nancy Gibbs kept silent about this? Why not report it before the elections? That is the most honorable duty of the press, - to make sure that electorate is informed, right? Quote: jcdd wrote: Look, if a house catches fire, and someone throws some gasoline on it, - that someone doesn't get to excuse himself with "something needs to be done". That's first. Second, your idea that people who can afford more expensive things were simply born into this life is not just wrong. It is extremely offensive. By the way, do you remember the movie "Wall Street"? Do you remember the huge brick cellphone that was used there as a symbol to show how immensely rich Gordon Gekko was? Have you ever thought about, - "hey, how did it happen that nowadays most everyone owns a cellphone? Not just cellphone, but a computer that is more powerful than any computer that existed just 30 years before that?" How about food? How about cars? Have you ever thought why in the Soviet Union there were permanent problems with food, despite the constant efforts by the Government? Or, did you consider the Soviet Union to be your "beacon"?
Posted on: 2013/11/25 5:06
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Re: If you like your insurance...
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Boris: While we can pick apart Obamacare, the fact remains that we have millions of individuals that have no insurance or are severely uninsured. And even for those of us that have insurance, the quality of healthcare is in a steady decline for all but those that are very wealthy and can afford the best of the best (including serious out of pocket expenses). This rings true for even many public service employees - while they may have insurance, it doesn't mean it is very good.
Something needs to be done. One life is simply not worth more than another because they happen to have been born into a family with higher net worth. We currently have a system where you can get the best of the best in healthcare - if you are wealthy and can afford it. For the rest of us, we get mediocre at best to a complete lack of services, at worst. If this is the kind of system you think is fair and agreeable to you, then don't delude yourself and call this County a democracy and a beacon of fairness and freedom. Call it for what it is, and it's pretty ugly.
Posted on: 2013/11/25 3:27
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Re: Affordable Care Act - Does anyone have any info about this?
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Ill informed? Hardly... If Congress had passed Medicare for All, us progressives' preferred simple, universal alternative to the kludgeocratic - http://www.salon.com/2013/10/28/what_ ... to_do_to_social_security/ - ACA mess, signing up would have been a lot easier and the potential for website snafus correspondingly less (or, your "socialism-at-work" used to be known as "promoting the general welfare"). But, rather than throw the baby (15% = 4,500,000 fellow citizens, does "fellow citizen mean anything to you, Monroe?) we informed voters opted to urge our leaders to support something over nothing.
Posted on: 2013/11/25 1:52
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Re: If you like your insurance...
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Who would have thought there were so many right-wingers in our fair city?!! Having only encountered them on-line thus far, what should I be keeping my eye peeled for when out in public (or do I need special sunglasses, a la John Carpenter's 'They Live')?
But back to the topic - Nancy Gibbs in the current issue of 'Time' has an interesting comment - "But all reforms have winners and losers; throwing people off cheap, no-frills plans is central to making the Affordable Care Act work. This is not a fumble - it's a core feature. Some people will have to buy more coverage than they want or need to offset the older and sicker people who cost insurance more. Everyone in Washington knew this, so the policy's defenders are reduced to arguing that people should have realized Obama was sugarcoating things when he sold the policy as a way to cover a majority of the country's 48 million uninsured without inconveniencing anyone else." As a progressive, it pains me the whole concept had to be soft-peddled; but I'm curious if American may indeed have rejected the ACA if it understood some shared sacrifice was in order?
Posted on: 2013/11/25 1:23
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Re: If you like your insurance...
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Boris, your argument is sound, coherent and makes a ton of sense. Prepare yourself for an onslaught of insults and the joy of being branded a "right wing nut".
Keep fighting the good fight. Too many people on here enjoy the taste of Kool Aid, even in the face of indisputable evidence contrary to their ill formed opinions. Bravo good sir.
Posted on: 2013/11/23 3:22
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Re: If you like your insurance...
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1. vindication12 sells Obama's idea, - that insurance that covers everything is better than purely "catastrophic" one. However, arithmetic tells us that insurance that covers a certain event, - must be more expensive than paying for that event without an insurance. Insurance makes sense only when we deal with events that are both very rare and very catastrophic.
2. The most weird argument is a long, long, long explanation of how Obamacare insurances are better than our old ones. There is no such thing as objectively better. If Joe SixPack looks at an obamacare insurance, and decides to keep his old one, - it means that for him the old one is better, period. And, Obama promised him that he keeps the right to choose. And that promise was a lie. 3. Obama lied not just once, but repeatedly. Here is a video that shows 36 times Obama promised it. It doesn't cover all the instances, but it proves two things. First, it was not simply a failure to keep a promise like "read my lips no new taxes" as JadedJC claimed. Obama was sticking to it even after the law was passed. He knew that it was a lie, he knew that it is a done deal, and he kept lying. Second, you can look at the dates and see that he was lying up to the elections (when CatDog says "oh, it was 2.5 years before an election" he only shows how poorly he is informed). 4. Now, about "oh, it was in the law and everyone could read it". Of course very few citizens do read every law. They rely on the politicians and the press to tell them about any possible problems. In this case the situation was like this: Republicans tried to explain that the promise was false, for example in June 2009 in Congress. Democrats were lying about it. Now, the most interesting part, - the press. The press didn't just fail to notice the biggest story of Obama's presidency. They are not that incompetent. They intentionally hid it. 5. The Obamacare rollout is far from over. As you all know not all the pieces of Obamacare are in place now. Obama is the first English-speaking ruler to get himself a power to suspend the laws since the English Bill of Rights of 1689. So, he suspended some pieces of the law. Like the piece that covers employer-bought insurances will go in effect in 1914. And some other things too. Now, here is something to think about, - if those pieces are so bad that Obama himself decided to postpone them...
Posted on: 2013/11/23 3:17
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Re: If you like your insurance...
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'wishful thinking' has a very apt screen name, because that's exactly what he/she is espousing. Obama had three years and unlimited money to kick start his 'signature' legislation, and he's failed in an epic way. If it wasn't so damaging to so many tax paying citizens I'd laugh, but it's tragic to the millions who've lost their insurance so far, and it will be tragic beyond belief if it doesn't get radically altered.
Posted on: 2013/11/23 2:36
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Re: If you like your insurance...
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ALL of you LIBERAL fools - you voted for him and IT - now live with it. The Dumbocrpas keep feeding you lies and you just scoop it up!
Posted on: 2013/11/23 2:31
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Re: If you like your insurance...
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I've voted Democrat and in fact voted for Obama in 08. With that said, I wonder how much this is costing taxpayers? http://www.buzzfeed.com/bennyjohnson/ ... t-has-one-crazy-instagram
Posted on: 2013/11/23 1:57
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Re: If you like your insurance...
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The unfortunate thing when debating politics is that when someone dissents, they're immediately cast as the extreme version of whatever the opposition is. Guess what kids, you can vote Democrat and still Obama is a miserable failure. Having issues with Obama's policies does not make one a Fox News sheep. I've never watched Fox News. Ever. Never will. We don't all fit into these molds that allow you to easily to dismiss valid concerns as right wing blah blah.
I still think this sh*tshow of an administration is running this country into the ground. I've voted Democrat, and I've voted republican. So, please, stop being the exact type of tool you're eschewing and get your heads out of your collective a$$es and stick to the issues. Quote:
Posted on: 2013/11/22 20:01
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Re: If you like your insurance...
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+1 While getting the kinks out of any big, new initiative can take some time, and no-one wants to hear of people being inconvenienced during what is supposed to be a huge step forward for all Americans - the reality is a very, very small % of people are being affected http://www.cnbc.com/id/101218418 and 40 TIMES AS MANY!! people will get insurance under ACA as will loose their coverage. @Monroe, stillnjc, et al - why are you making a mountain out of a molehill? And the "lefty" Democrats didn't listen to Republicans when they drafted ACA legislation? Are you kidding me?! "Planet Fox" must be way out past Pluto - ACA is so cumbersome and uneccessisarily expensive BECAUSE of Republican input - who wanted to keep the trough in front of their big Pharma corporate enablers.
Posted on: 2013/11/22 19:48
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Re: If you like your insurance...
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The original post (and title) was a commentary on the President flat out lying to sell this garbage plan to the American people. DOn't take our word:
http://www.politifact.com/truth-o-met ... -said-was-you-could-keep/
Posted on: 2013/11/22 19:45
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Re: If you like your insurance...
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Hey, I'll ignore the independent facts that show tort reform and cross state shopping (or even in state shopping) would reduce healthcare costs. I'm just alarmed about the hidden costs of Obamacare costing us much more than Obama promised.
What's a trillion here, a trillion there-to Obama. Reported by the Weekly Standard, but noted by the Congressional Budget Office http://www.weeklystandard.com/blogs/c ... ould-cost-over-2-trillion
Posted on: 2013/11/22 18:19
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Re: If you like your insurance...
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I can't wait to see how the leftists spin this disaster when it is time to elect Hillary or Elizabeth Warren.
Unfortunately it is a long time off so American Idiots will forget all about it...and will be ready to buy another pack of lefty lies.
Posted on: 2013/11/22 18:12
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Re: If you like your insurance...
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vindication has obviously ignored every single poll that has shown support for Obama and his 'signature accomplishment', Obamacare have dropped since October 1. In a non-partisan manner, Republicans, Democrats, and independents all are upset about Obamacare and the lies that re-elected Obama.
Now that's the fact, jack. And Obamacare is the result of one party creating a bill without accepting input from another-I guess we're still waiting for the hearings to be held on CSpan, like Obama promised. Another fact. And the back room deals cut with Mary Landrieu (who's sprinting away from Obama), North Dakota, his union buddies (who are now revolting, after they read it after they helped pass it!) . . . Another fact. According to four non partisan polls Obama's now down to about 41% approval ratings, his worst ever. Of course, Jersey City would probably be much higher, as Hudson County (and Essex County) were the only two counties in NJ to go blue in our Gubernatorial election last month. Which says a lot.
Posted on: 2013/11/22 17:29
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Re: If you like your insurance...
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85% of Americans are "happy with their health care" because they have no idea what it really costs - they're shielded from it because they're covered by employers or by artificially-suppressed/state regulated plans. If nothing else, the ACA debacle has exposed the truth: Americans are spectacularly unhealthy, our health care costs are out of control and rising at 3x the rate of inflation. All the hoopla over websites and broken promises is just another sideshow; the simple reality is we have an unsustainable system.
Posted on: 2013/11/22 17:02
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Re: If you like your insurance...
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Are you even capable of examining an issue beyond the headline? Tort reform. Show me a study that reveals that tort reform substantially or even marginally reduces cost. Here are some to the opposite effect: http://www.utexas.edu/law/magazine/20 ... cost-savings-to-medicare/ http://theincidentaleconomist.com/wor ... rt-reform-cost-control-2/ http://www.healthcarefinancenews.com/ ... ficant-healthcare-savings selling across state lines? 5 percent savings according to CBO http://www.cbo.gov/publication/17145 I am dodging? I think I am destroying you on facts. Let's go back to an area which you have more knowledge on though - let's talk more about how patriotic wearing flag pins are...
Posted on: 2013/11/22 16:36
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Re: If you like your insurance...
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I bet that has been said about every sitting US president apart from Washington. Don't think even Lincoln escaped that label during his time in office.
Posted on: 2013/11/22 16:29
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Re: If you like your insurance...
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Voters are required to do due diligence reading a 1,000 plus page bill (that even leader Pelosi said you had to pass it to read it) when their President is saying, in very clear and simple terms, over and over, the exact opposite? I'm not buying what you're selling, and neither now are the millions of people with canceled policies.
Posted on: 2013/11/22 16:20
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Re: If you like your insurance...
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Rather than quote Vindications lame attempt to deflect, just look at the facts. Obama didn't qualify his remarks-if he had, he wouldn't have given his 'mea culpa' about the lies, would he?
As he said-period. As Pelosi said-you have to pass it to know what's in it. The fact is, screwing 85% of US citizens who were happy with their health care to help the 15% who needed help was/is absurd, and the 85% are now finding out. Why are they finding out now? Because they were lied to believing they keep their plans and their doctors. The biggest lie is the dual Obamacare/Affordable Care Act name. What did O/A do to lower costs for those with insurance? Do we have tort reform? Can we shop for insurance across state lines? No, neither of these cost saving initiatives were written into the law by the Democrats. Which is one reason why no Republicans voted for it. What is so scary to the left is that Obamacare is ENTIRELY ON THEM. They wrote it behind closed doors, they made backroom deals to get the votes needed, and they still had to pass it using a shady procedural move with zero bi-partisan support. IT"S ALL ON THEM. No whining that Republicans opposed it has any fact that it's failing on its merits, and that despite Obama having 3 years to get it ready it's fallen flat on its face. A website that should have cost a few million and ended up costing the better part of a billion is the least of the problems. And gee, the government shut down was over the Republicans wanting a year delay for the individual mandate, just like Obama had already given the corporate mandate. Which Obama said he wouldn't do. Until he read the polls. And then he did, lol. What a leader! All that shut down misery for nothing! Lied to by the person who should have more integrity than any other elected official.
Posted on: 2013/11/22 16:16
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Re: If you like your insurance...
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I'm not thrilled to be in the same camp as Vindication (no offense, dude, but you come across as a little nasty), but he's right. All of the Minimum Essentials requirements were in the law from the beginning, for anyone who troubled to read them. I'm in the insurance industry, and we all laughed at the "you can keep it" rhetoric from the beginning. If your opinion of highly complex legislation is based on 2-minute sound bites, you kind of deserve what you got.
Posted on: 2013/11/22 16:16
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Re: If you like your insurance...
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You are dumb. I don't mean that in the childish way but in the very real way of directly telling you that your posts lack information and are only talking points from conservative pundits. Maybe dumb is not the right description. Maybe ignorant applies more to you. I described why plans are being cancelled because they lacked essential health benefits - which was described in the ACA. This was no lie. The bill was available for all to read....although the specifics of days and limits was just recently set, the basic language about health plans needing essential health benefits is in the law Quote: SEC. 1302. ESSENTIAL HEALTH BENEFITS REQUIREMENTS. But go on Monroe, trivialize it, please repeat a fox news headline. Please keep parroting talking points and think you are smart while everyone around you thinks you are a moron but are too nice to tell you. I am not, you are a MORON.
Posted on: 2013/11/22 15:46
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Re: If you like your insurance...
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I don't hate Obama, I dislike his politics immensely. If you want vitriol, just see what the 'inclusive' left wing loonies say about Governor Palin-misogyny is fine when it's towards a woman who isn't a Democrat. Pee and crap in her mouth says a MSNBC personality, without being suspended or fired? Imagine if a Fox News or radiohead who's conservative had said the same thing . . . But let's see. Lie about Obamacare, saves a couple million votes. Voter suppression by denying non-profit groups status by the IRS, maybe some more. Stall on investigations on Benghazi and Fast n Furious, add some more. Make up phony employment numbers, dropping unemployment percentages under 8% just before November, yup more of the same. Add them all up, and Obama's squeakier second term voting results besides those moves, and you may have a one term POTUS. But the ends justify the means to the Chicago mob.
Posted on: 2013/11/22 15:34
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Re: If you like your insurance...
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Obamacare is only the latest lie from this president. His lying goes back as far as giving his word to the American public to use public financing for his 2008 election. He reneged on that.
Follow that up with his broken promises to close Guatanamo Bay, reign in the Patriot Act, eschew the use of Executive Privilege, reign in government surveillance of U.S. citizens, etc. This guy has as little honesty as any of the most dishonorable people I've seen in politics. And all along all of these lies have been swept under the rug by his brainwashed disciples.
Posted on: 2013/11/22 15:31
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+1 WOW Obama hater living in Jersey City LMAO that is hysterical HAHA!!
Posted on: 2013/11/22 15:10
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