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The health care experience

December 23, 2013

Kudos to Mr. and Mrs. Ed Zygmunt. Thank you for taking the time to search for a new healthcare policy under the Affordable Care Act. Many people have found out this same truth....

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(35)

Ritty77

Dec-23-13 8:34 PM

Merry Christmas to you, Texas.

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ToTEXASfromPA

Dec-23-13 7:23 PM

Ritty77,

Thanks for your time and report.

Have a Merry Christmas.

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RealAmerican

Dec-23-13 6:42 PM

This message brought to you by aca. Funded by your tax $

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Capricorn1

Dec-23-13 6:18 PM

Thanks for the honest reply Ritty, and you made my point perfectly.

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Ritty77

Dec-23-13 6:09 PM

Cap, I paid for my previous plan without assistance. Premium payment went up about 8%/year. I was extremely happy with that plan and paid very little out-of-pocket if I stayed in network, which is easy to do. (My new plan will allow me to keep this same network and my doctor, by the way).

You're right Cap, this is a huge redistribution of wealth—until it collapses. It does nothing to lower the cost of healthcare, just shifts the cost to rich Republicans and future generations.

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Capricorn1

Dec-23-13 5:49 PM

Ritty, if I may ask, do you feel you needed government assistance to help pay for your previous healthcare? Were you happy with your past plan and the coverage and care you were provided? I guess the reason I'm asking is how much is it going to cost tax payers for all these subsidies, especially for people that were happy with their previous plan and were affordable for them? I've seen tables where a family of four making up to 80k a year can still get subsidies. And make no mistake, subsidies are government assistance paid with tax dollars.

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Ritty77

Dec-23-13 5:46 PM

" Ritty77, whatever happened to your previous policy? Did you check back with your insurance provider?

When you say "cost to you is less", is that less than the cost of the Silver Plan or less than cost of your previous plan?"

BC/BS offered to extend my old plan for 6-months, on orders of Barack Obama.

Old plan was $146.82/month. New plan premium is about $85 from me, plus the $247 (and I'm guessing future "cost-sharing" support) from taxpayers, so cost is more for the new plan, but less cost for me.

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Ritty77

Dec-23-13 5:40 PM

The "eligibility verification" pdf also says:

"Eligible to purchase health coverage through the Marketplace, but more information is needed. Eligible for a tax credit ($247 each month, which is $2964 for the year), but more information is needed.

"If the table above says that you’re eligible for a tax credit or cost sharing reductions, it means that we didn’t find you eligible for Medicaid."

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Ritty77

Dec-23-13 5:32 PM

>2>

I can't give exact numbers yet, as I didn't read the fine print. I called BC/BS and they said it will be up to 72 hours before my specific info will be available for access at their website.

I fully expected email summaries of some basic numbers, but none came. Only a confirmation email that I had signed up for an account at healthcare~gov.

The 14-page "eligibility verification" pdf downloaded from healthcare~gov says: "Results: Can choose a health plan with lower copayments, coinsurance, and deductibles."

I'm not sure what that means, but it probably has something to do with the wide difference in numbers from BC/BS's deductibles, etc. and the numbers I actually clicked on.

The pdf also says I have to submit my w-2 and citizenship verification electronically, but there doesn't appear to be an area to do that yet on healthcare~gov. I have three months to do that.

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Ritty77

Dec-23-13 5:17 PM

"What is your deductible, copay and max out-of-pocket?"

TIER 1, INDIVIDUAL—deductible: $1000, co-pay: $15(primary), $40(specialist), $100(ER), out-of-pocket: $4500; 10% co-insurance. But these aren't the numbers I saw when I selected my plan; they were much lower.

I started out from my existing account at BC/BS/NEPA. It then sent me to healtcare~gov. After my application, it returned me to BC/BS, where there were a bunch of plans listed, each with its associated metal level and premium costs. They were all silver, but varied widely with regard to deductibles and out-of-pocket.

The plan I selected had really low figures for these things, like $100 deductible and $500 out-of-pocket.

These plans were listed right next to plans with huge numbers, yet they were still silver plans.

My guess is that I will be subsidized not just for premiums, but for those other areas as well.

>1>

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Ritty77

Dec-23-13 4:45 PM

"I would be interested in what information was asked for in the process."

Very basic stuff. Mine went quick because of zero dependents and no disabilities. Many fields are optional, in fact, surprisingly optional, like SSN. There was an optional SSN field at three points during the application, two times I left it blank.

The third time they asked, they said "entering your SSN will really, really be helpful in verifying your information" or some such, so I finally put it in. I left very few fields blank, because it was very basic stuff.

Website is bare bones, big fonts, big buttons, just a few questions per page, quick like a bunny. Took me about ten minutes, tops.

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farmer

Dec-23-13 3:59 PM

catmantwo

"I agree with the letter writer. I blame the local newspaper for all the problems with Obamacare."

Sir, the letter writer did not in fact say that, but I find it interesting that You believe the SG is responsible for that long list of grievances.

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catmantwo

Dec-23-13 3:11 PM

I agree with the letter writer. I blame the local newspaper for all the problems with Obamacare. It is their fault that the national and state site doesn't work correctly. I also feel the paper is responsible for all the rain we received this weekend. I sure hope they don't stop Christmas. If I don't get the gift I want, it is the newspaper's fault. And if I don't have two pieces of cheese on my sandwich, they are also to blame. Happy Holidays!

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CMReeder

Dec-23-13 2:04 PM

"In the interest of full disclosure, Mr. and Mrs. Ed Zygmunt are major recipients of subsidies and known supporters of President Obama." -Erik

Guess what that makes you!

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enigma

Dec-23-13 1:21 PM

"Here is one thing the extreme right wing should keep in mind, the ACA is the LAW!" - SilverFeather

So is Second Amendment. So is DOMA. So are laws that require deportation of illegal immigrants. So are hundreds of laws that Obama is refusing to enforce and trying to change. So what is your point? Bad laws should be changed or eliminated, but only the Congress has the authority to do that. But don't bother liberals with facts, it just gets in the way of what they believe.

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eriklatranyi

Dec-23-13 10:59 AM

In the interest of full disclosure, Mr. and Mrs. Ed Zygmunt are major recipients of subsidies and known supporters of President Obama.

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eriklatranyi

Dec-23-13 10:55 AM

SilverFeather said:

"Here is one thing the extreme right wing should keep in mind, the ACA is the LAW!"

Really?

Then how does the President have the authority to re-write it every week or so to accommodate its failings?

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Capricorn1

Dec-23-13 10:53 AM

They simply don't take into consideration that this program will help many more than it will hurt and the majority of people voted for President Obama with healthcare reform in mind. -SilverFeather

And many are having second thoughts regarding this law.

See: Healthcare Law Support Drops To All-Time Low

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enigma

Dec-23-13 10:44 AM

"with the mess that was left to him (15 trillion in debt)" - SilverFeather

Another clueless liberal. The debt was about 10 Trillion when Obama took over and he immediately increased the rate of borrowing, spending and taxing. At the current rate, he will have more than doubled the debt during his Presidency. There is no fact that the left will not get wrong to believe that this disaster is doing a good job. Even most liberal media outlets are now admitting that he is doing a terrible job. Chris Matthews (mister chill up the leg) himself, has called Obama the year's biggest failure. Everything he touches turns to crap, but the brain-dead keep cheering for him.

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Darlin

Dec-23-13 10:20 AM

Maybe the letter writer had a good experience with the ACA, but it is all based on redistribution, so someone else is going to pay more so the letter writer can brag about her experience. This is socialism and it will never work. Never has, never will.

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underwood

Dec-23-13 10:04 AM

You can’t sabotage something that was a disaster in the first place.

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enigma

Dec-23-13 10:01 AM

"Cost is about three times what my old policy was, but cost to me will be less."-Ritty77

That means that I'll be picking up the rest of the cost. Well, me and anyone else who actually pays taxes. I'd like to say, "you're welcome", but I don't remember you saying, "thank you". In fact, I don't remember you even asking. You just had Obama pick my pocket for you. A lot of us will not only be paying for your insurance but have to pay the three times cost for ourselves, and don't forget the 5X increase in deductibles. It turns out that the Affordable Care Act isn't affordable and you won't get any care, but they act like they've done us a big favor.

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DavidBross

Dec-23-13 9:39 AM

I have read most, if not all, the news articles in the SG regarding ACA. They have always been informative and without any editorializing.

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SteelerFan

Dec-23-13 8:52 AM

As I've said before, there will always be some 'success' stories, but tell that 'success' story to the nearly 6 million who got termination notices. Even the blind squirrel finds the acorn sometimes.

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ToTEXASfromPA

Dec-23-13 8:51 AM

"Insurers can extend current plans that otherwise would have been cancelled into 2014." --President Obama

++

Ritty77, whatever happened to your previous policy? Did you check back with your insurance provider?

When you say "cost to you is less", is that less than the cost of the Silver Plan or less than cost of your previous plan?

If cost to you is less how much more is being picked up by taxpayers?

Sorry for all the rapid fire questions just trying to get a more complete picture.

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