Another family getting screwed by Obamacare

[PredFan]

Obamacare, over 6 people served!

 

[Spoonman]

there are PLENTY of pre-O'care horror stories to go around as well. Your point?

Medical bills prompt more than 60 percent of U.S. bankruptcies - CNN.com

so with obamacare driving prices up, how will that improve?

Supposedly the people he is driving the prices up for can afford it. There's a cap on out-of-pocket expenses.

So people won't go bankrupt over $100,000 medical bills. Not if they have been able to buy insurance.

They might still go bankrupt over $10,000 medical bills added to the rest of their finances, or they might still go broke over $100,000 medical bills if they couldn't find a way to afford the new premiums.

But the number of people who go bankrupt should decrease, and the amount they are in default should decrease.



Too damn bad for the responsible people who arranged their lifestyles and budgets around insurance which was previously affordable, who now can't afford it or who have to reach into their savings to pay the new costs. Doesn't sound like Obama has any interest in helping the people who were playing by the rules who he has now pulled the rug out from under.

But overall the number of bankruptcies will hopefully decrease.

which will inturn drive the cost of the insurance up more because there is no way the insurance companies are going to be the ones to absorb that debt

 

[Amelia]

so with obamacare driving prices up, how will that improve?

Supposedly the people he is driving the prices up for can afford it. There's a cap on out-of-pocket expenses.

So people won't go bankrupt over $100,000 medical bills. Not if they have been able to buy insurance.

They might still go bankrupt over $10,000 medical bills added to the rest of their finances, or they might still go broke over $100,000 medical bills if they couldn't find a way to afford the new premiums.

But the number of people who go bankrupt should decrease, and the amount they are in default should decrease.



Too damn bad for the responsible people who arranged their lifestyles and budgets around insurance which was previously affordable, who now can't afford it or who have to reach into their savings to pay the new costs. Doesn't sound like Obama has any interest in helping the people who were playing by the rules who he has now pulled the rug out from under.

But overall the number of bankruptcies will hopefully decrease.

which will inturn drive the cost of the insurance up more because there is no way the insurance companies are going to be the ones to absorb that debt

And that will make it less affordable for some, who might then opt to take the penalty, which could add some to the number of bankruptcies related to medical bills. It could also lower reimbursements on some procedures and drive more doctors and medical facilities out of the Obamacare networks.

But still in theory the Obamacrats should be correct in that one regard -- that due to out-of-pocket caps overall medical bankruptcies will be reduced.





No matter what, it's a big mess, which is going to cost us a lot to fix. A classic boondoggle.

 

[syrenn]

A lot of ObamaCare supporters are now finding out that they are the ones who are supposed to pay for everyone else...and I bet most of them don't like it.

i hope they like the change.

 

[Quantum Windbag]

It turns out that those crappy policies from bad apple insurers aren't crappy policies, and that the insurers aren't bad apples either. Does anyone think Obama will admit it.

The best part about this is how the reporter, who supports Obamacare, admitted they are getting screwed. In other words, it is already screened for the Obamazombies that insist that all these stories are lies.

The couple — Lee, 60, and JoEllen, 59 — have been paying $550 a month for their health coverage — a plan that offers solid coverage, not one of the skimpy plans Obama has criticized. But recently, Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act. The couple would need to find another one. The cost would be around double what they pay now, but the benefits would be worse.
“From all of the sob stories I’ve heard and read, ours is the most extreme,” Lee told me in an email last week.
I’ve been skeptical about media stories featuring those who claimed they would be worse off because their insurance policies were being canceled on account of the ACA. In many cases, it turns out, the consumers could have found cheaper coverage through the new health insurance marketplaces, or their plans weren’t very good to begin with. Some didn’t know they could qualify for subsidies that would lower their insurance premiums.
So I tried to find flaws in what Hammack told me. I couldn’t find any.

• The couple’s existing Kaiser plan was a good one.
• Their new options were indeed more expensive, and the benefits didn’t seem any better.
• They do not qualify for premium subsidies because they make more than four times the federal poverty level, though Hammack says not by much.

Hammack recalled his reaction when he and his wife received a letters from Kaiser in September informing him their coverage was being canceled. “I work downstairs and my wife had a clear look of shock on her face,” he said. “Our first reaction was clearly there’s got to be some mistake. This was before the exchanges opened up. We quickly calmed down. We were confident that this would all be straightened out. But it wasn’t.”

What is their biggest beef?

“We’re not changing our views because of this situation, but it hurt to hear Obama saying, just the other day, that if our plan has been dropped it’s because it wasn’t any good, and our costs would go up only slightly,” he said. “We’re gratified that the press is on the case, but frustrated that the stewards of the ACA don’t seem to have heard.”

Loyal Obama Supporters, Canceled by Obamacare - ProPublica

Clearly their insurance company LIED to them to try to rip them off before they could get a better plan from the exchanges. And to the insurance taking advantage of the suckers is pure Capitalism in action!!!!

Special Investigation: How Insurers Are Hiding Obamacare Benefits From Customers

Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.
The insurance companies argue that it's simply capitalism at work.

Look at that, you didn't even read the little I posted in the OP, much less the link.

ProPublica is a pro Obamacare site, and has tried to debunk the other stories that point out how bad Obamacare is. They confirmed this all the way, right down to the policy they lost being better than the ones that are available on the exchanges. Nevertheless you claim the insurance company lied, because you prefer to live in a universe where the government is actually on your side.

 

[Quantum Windbag]

A lot of ObamaCare supporters are now finding out that they are the ones who are supposed to pay for everyone else...and I bet most of them don't like it.

Obamacare is even screwing over people in state run high risk pools.

 

[Sunshine]

there are PLENTY of pre-O'care horror stories to go around as well. Your point?

Medical bills prompt more than 60 percent of U.S. bankruptcies - CNN.com

Of course, being on Medicaid, Dot Cum will not be one of them.

 

[Sunshine]

there are PLENTY of pre-O'care horror stories to go around as well. Your point?

Medical bills prompt more than 60 percent of U.S. bankruptcies - CNN.com

so with obamacare driving prices up, how will that improve?

Supposedly the people he is driving the prices up for can afford it. There's a cap on out-of-pocket expenses.

So people won't go bankrupt over $100,000 medical bills. Not if they have been able to buy insurance.

They might still go bankrupt over $10,000 medical bills added to the rest of their finances, or they might still go broke over $100,000 medical bills if they couldn't find a way to afford the new premiums.

But the number of people who go bankrupt should decrease, and the amount they are in default should decrease.



Too damn bad for the responsible people who arranged their lifestyles and budgets around insurance which was previously affordable, who now can't afford it or who have to reach into their savings to pay the new costs. Doesn't sound like Obama has any interest in helping the people who were playing by the rules who he has now pulled the rug out from under.

But overall the number of bankruptcies will hopefully decrease.

That will depend entirely on whether they have enough money for the copays and deductibles in addition to premiums.

 

[edthecynic]

It turns out that those crappy policies from bad apple insurers aren't crappy policies, and that the insurers aren't bad apples either. Does anyone think Obama will admit it.

The best part about this is how the reporter, who supports Obamacare, admitted they are getting screwed. In other words, it is already screened for the Obamazombies that insist that all these stories are lies.

What is their biggest beef?

Loyal Obama Supporters, Canceled by Obamacare - ProPublica

Clearly their insurance company LIED to them to try to rip them off before they could get a better plan from the exchanges. And to the insurance taking advantage of the suckers is pure Capitalism in action!!!!

Special Investigation: How Insurers Are Hiding Obamacare Benefits From Customers

Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.
The insurance companies argue that it's simply capitalism at work.

Look at that, you didn't even read the little I posted in the OP, much less the link.

ProPublica is a pro Obamacare site, and has tried to debunk the other stories that point out how bad Obamacare is. They confirmed this all the way, right down to the policy they lost being better than the ones that are available on the exchanges. Nevertheless you claim the insurance company lied, because you prefer to live in a universe where the government is actually on your side.

thank you for proving the insurance company lied! Not only did they lie about the plan having to be cancelled because it didn't meet the requirements of the ACA, a very obvious lie since all nonconforming plans in effect before the ACA was passed can be grandfathered rather than upgraded, but also because as you just pointed out it was a BETTER plan than the ones available on the exchanged, so obviously the insurance company was lying about the plan not meeting the requirements of the ACA!!!!!!!!

From your OP:

Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act

 

[daveman]

Clearly their insurance company LIED to them to try to rip them off before they could get a better plan from the exchanges. And to the insurance taking advantage of the suckers is pure Capitalism in action!!!!

Special Investigation: How Insurers Are Hiding Obamacare Benefits From Customers

Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.
The insurance companies argue that it's simply capitalism at work.

Look at that, you didn't even read the little I posted in the OP, much less the link.

ProPublica is a pro Obamacare site, and has tried to debunk the other stories that point out how bad Obamacare is. They confirmed this all the way, right down to the policy they lost being better than the ones that are available on the exchanges. Nevertheless you claim the insurance company lied, because you prefer to live in a universe where the government is actually on your side.

thank you for proving the insurance company lied! Not only did they lie about the plan having to be cancelled because it didn't meet the requirements of the ACA, a very obvious lie since all nonconforming plans in effect before the ACA was passed can be grandfathered rather than upgraded, but also because as you just pointed out it was a BETTER plan than the ones available on the exchanged, so obviously the insurance company was lying about the plan not meeting the requirements of the ACA!!!!!!!!

From your OP:

Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act

Big font only makes you look stupider, you dumbass OAS.

 

[edthecynic]

Look at that, you didn't even read the little I posted in the OP, much less the link.

ProPublica is a pro Obamacare site, and has tried to debunk the other stories that point out how bad Obamacare is. They confirmed this all the way, right down to the policy they lost being better than the ones that are available on the exchanges. Nevertheless you claim the insurance company lied, because you prefer to live in a universe where the government is actually on your side.

thank you for proving the insurance company lied! Not only did they lie about the plan having to be cancelled because it didn't meet the requirements of the ACA, a very obvious lie since all nonconforming plans in effect before the ACA was passed can be grandfathered rather than upgraded, but also because as you just pointed out it was a BETTER plan than the ones available on the exchanged, so obviously the insurance company was lying about the plan not meeting the requirements of the ACA!!!!!!!!

From your OP:

Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act

Big font only makes you look stupider, you dumbass OAS.

Since it cannot be denied that the insurance company lied, the Right rather than admit the truth can only attack the font size!
Thank you!

 

[Quantum Windbag]

Clearly their insurance company LIED to them to try to rip them off before they could get a better plan from the exchanges. And to the insurance taking advantage of the suckers is pure Capitalism in action!!!!

Special Investigation: How Insurers Are Hiding Obamacare Benefits From Customers

Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.
The insurance companies argue that it's simply capitalism at work.

Look at that, you didn't even read the little I posted in the OP, much less the link.

ProPublica is a pro Obamacare site, and has tried to debunk the other stories that point out how bad Obamacare is. They confirmed this all the way, right down to the policy they lost being better than the ones that are available on the exchanges. Nevertheless you claim the insurance company lied, because you prefer to live in a universe where the government is actually on your side.

thank you for proving the insurance company lied! Not only did they lie about the plan having to be cancelled because it didn't meet the requirements of the ACA, a very obvious lie since all nonconforming plans in effect before the ACA was passed can be grandfathered rather than upgraded, but also because as you just pointed out it was a BETTER plan than the ones available on the exchanged, so obviously the insurance company was lying about the plan not meeting the requirements of the ACA!!!!!!!!

From your OP:

Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act

i know you think you scored a point, I just don't understand why you think requiring people who are as old as they are to buy maternity coverage makes their insurance better.

 

[Quantum Windbag]

thank you for proving the insurance company lied! Not only did they lie about the plan having to be cancelled because it didn't meet the requirements of the ACA, a very obvious lie since all nonconforming plans in effect before the ACA was passed can be grandfathered rather than upgraded, but also because as you just pointed out it was a BETTER plan than the ones available on the exchanged, so obviously the insurance company was lying about the plan not meeting the requirements of the ACA!!!!!!!!

From your OP:

Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act

Big font only makes you look stupider, you dumbass OAS.

Since it cannot be denied that the insurance company lied, the Right rather than admit the truth can only attack the font size!
Thank you!

How did they lie, the old policy does not meet the new requirements for old people, well past child bearing age, to buy maternity care. It also, more than likely, didn't cover substance abuse treatment, which is a favorite bogeymen of idiots, or pediatric treatment.

On the other hand, it had lower premiums, a lower deductible, a larger network, and lower copays.

Not to worry though, the new plan is better because you say it is.

 

[edthecynic]

Big font only makes you look stupider, you dumbass OAS.

Since it cannot be denied that the insurance company lied, the Right rather than admit the truth can only attack the font size!
Thank you!

How did they lie, the old policy does not meet the new requirements for old people, well past child bearing age, to buy maternity care. It also, more than likely, didn't cover substance abuse treatment, which is a favorite bogeymen of idiots, or pediatric treatment.

On the other hand, it had lower premiums, a lower deductible, a larger network, and lower copays.

Not to worry though, the new plan is better because you say it is.

If you notice, the Right always play dumb so they can repeat their same lie over again. The Right does not play dumb because they are stupid, they play dumb because they love to lie.

Again, no plan in effect before the ACA became law needs to add maternity care, substance abuse treatment, or pediatric treatment, that is just a GOP scripted lie that the insurance industry sees as an opportunity to cash in on by piggybacking on the GOP lie. As I showed with my link, the insurance industry sees this as Capitalism at its best!!!

 

[Quantum Windbag]

Since it cannot be denied that the insurance company lied, the Right rather than admit the truth can only attack the font size!
Thank you!

How did they lie, the old policy does not meet the new requirements for old people, well past child bearing age, to buy maternity care. It also, more than likely, didn't cover substance abuse treatment, which is a favorite bogeymen of idiots, or pediatric treatment.

On the other hand, it had lower premiums, a lower deductible, a larger network, and lower copays.

Not to worry though, the new plan is better because you say it is.

If you notice, the Right always play dumb so they can repeat their same lie over again. The Right does not play dumb because they are stupid, they play dumb because they love to lie.

Again, no plan in effect before the ACA became law needs to add maternity care, substance abuse treatment, or pediatric treatment, that is just a GOP scripted lie that the insurance industry sees as an opportunity to cash in on by piggybacking on the GOP lie. As I showed with my link, the insurance industry sees this as Capitalism at its best!!!

That was, almost, moronic. Keep working at it and you will eventually get all the way up to stupid.

 

[daveman]

thank you for proving the insurance company lied! Not only did they lie about the plan having to be cancelled because it didn't meet the requirements of the ACA, a very obvious lie since all nonconforming plans in effect before the ACA was passed can be grandfathered rather than upgraded, but also because as you just pointed out it was a BETTER plan than the ones available on the exchanged, so obviously the insurance company was lying about the plan not meeting the requirements of the ACA!!!!!!!!

From your OP:

Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act

Big font only makes you look stupider, you dumbass OAS.

Since it cannot be denied that the insurance company lied, the Right rather than admit the truth can only attack the font size!
Thank you!

The insurance company didn't lie, you moron.

OBAMA did. Say it with me: "Obama lied."

You won't burst into flames. You won't go to Progressive Hell. I promise.

 

[Bern80]

Medical bills prompt more than 60 percent of U.S. bankruptcies - CNN.com

Story Highlights
Study: More than 60 percent of bankruptcies are linked to medical bills
Three-quarters of people with a medically-related bankruptcy had health insurance
Researcher: "You're one illness away from financial ruin in this country"
Situation likely to worsen: study was done a year before recession

Nope, no problems there

Let's not be silly and pretend the people are saying they're weren't any problems pre-Obamacare. You say we can't judge it yet, but the fact that you're trying to distract from what's really happing; A website that people are required to use, but can't, Sky rocketing premiums and deductibles, Mass plan cancelations, tells me you know this is a debacle. And what will Obama do to 'fix' it. He'll keep trying to put bandaids on it here and there to correct for the negative outcomes of his policies.

 

[Bern80]

Since it cannot be denied that the insurance company lied, the Right rather than admit the truth can only attack the font size!
Thank you!

How did they lie, the old policy does not meet the new requirements for old people, well past child bearing age, to buy maternity care. It also, more than likely, didn't cover substance abuse treatment, which is a favorite bogeymen of idiots, or pediatric treatment.

On the other hand, it had lower premiums, a lower deductible, a larger network, and lower copays.

Not to worry though, the new plan is better because you say it is.

If you notice, the Right always play dumb so they can repeat their same lie over again. The Right does not play dumb because they are stupid, they play dumb because they love to lie.

Again, no plan in effect before the ACA became law needs to add maternity care, substance abuse treatment, or pediatric treatment, that is just a GOP scripted lie that the insurance industry sees as an opportunity to cash in on by piggybacking on the GOP lie. As I showed with my link, the insurance industry sees this as Capitalism at its best!!!

If that is true then why are the insurance companies canceling people's plans? If the law allows people to keep plans that don't meet ACA requirements why would the insurance companies be sending out letters by the hundreds of thousands for that very reason?

 

[edthecynic]

How did they lie, the old policy does not meet the new requirements for old people, well past child bearing age, to buy maternity care. It also, more than likely, didn't cover substance abuse treatment, which is a favorite bogeymen of idiots, or pediatric treatment.

On the other hand, it had lower premiums, a lower deductible, a larger network, and lower copays.

Not to worry though, the new plan is better because you say it is.

If you notice, the Right always play dumb so they can repeat their same lie over again. The Right does not play dumb because they are stupid, they play dumb because they love to lie.

Again, no plan in effect before the ACA became law needs to add maternity care, substance abuse treatment, or pediatric treatment, that is just a GOP scripted lie that the insurance industry sees as an opportunity to cash in on by piggybacking on the GOP lie. As I showed with my link, the insurance industry sees this as Capitalism at its best!!!

If that is true then why are the insurance companies canceling people's plans? If the law allows people to keep plans that don't meet ACA requirements why would the insurance companies be sending out letters by the hundreds of thousands for that very reason?

Already posted that! The insurance industry sees an opportunity to take advantage of people uninformed about the law. They claim that is Capitalism in action!!!

Special Investigation: How Insurers Are Hiding Obamacare Benefits From Customers

Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.

The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.

The insurance companies argue that it's simply capitalism at work.

 

[Bern80]

If you notice, the Right always play dumb so they can repeat their same lie over again. The Right does not play dumb because they are stupid, they play dumb because they love to lie.

Again, no plan in effect before the ACA became law needs to add maternity care, substance abuse treatment, or pediatric treatment, that is just a GOP scripted lie that the insurance industry sees as an opportunity to cash in on by piggybacking on the GOP lie. As I showed with my link, the insurance industry sees this as Capitalism at its best!!!

If that is true then why are the insurance companies canceling people's plans? If the law allows people to keep plans that don't meet ACA requirements why would the insurance companies be sending out letters by the hundreds of thousands for that very reason?

Already posted that! The insurance industry sees an opportunity to take advantage of people uninformed about the law. They claim that is Capitalism in action!!!

Special Investigation: How Insurers Are Hiding Obamacare Benefits From Customers

Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.

The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators.

The insurance companies argue that it's simply capitalism at work.

Sorry, but you're article is obviously quite biased in favor of Obamacare. It's interesting that it mentions nothing about some specific provision of the ACA, this so called grandfathering of plans. It's even more interesting that no one in the administration is mentioning this. You would think Obama, or his press secretary or Sebilius or someone who is taking all this grilling would have just said 'Nope, we didn't lie. All old plans are grandfathered in and can be kept if so desired. It's the insurance companies trying to make more money.'

And as a business strategy the above doesn't even make sense. Cancel thousands of plans and hope those people decide to buy a more expensive one from you when you could have just let them keep paying for existing ones as normal? Sorry. That argument doesn't hold any water.