Anyone buy their health insurance?


A

amdx

Just wondering what type of increases everyone is getting.

I have a family of four with BCBS of Florida.
In 2010 we had a 7.7% increase.
In 2011 we had a 8.1% increase.
In 2012 we had a 19.4% increase.
In 2013 we had a 21.0% increase.

I think the last two years large increases are because of Obamacare.
Seems to be a lot of articles to back that up.

Mikek
 
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G

gregz

amdx said:
Just wondering what type of increases everyone is getting.

I have a family of four with BCBS of Florida.
In 2010 we had a 7.7% increase.
In 2011 we had a 8.1% increase.
In 2012 we had a 19.4% increase.
In 2013 we had a 21.0% increase.

I think the last two years large increases are because of Obamacare.
Seems to be a lot of articles to back that up.

Mikek
While I don't pay for most of the cost, seems so. My copayments certainly
have gone up. Seems like high copayments work at keeping people from
getting treatment.

Greg
 
T

Tony Hwang

gregz said:
While I don't pay for most of the cost, seems so. My copayments certainly
have gone up. Seems like high copayments work at keeping people from
getting treatment.

Greg
Hi,
Whoa! We don't have any payment other than paying 20% of prescription
cost as seniors. Some other meds. are supplied free. 2 years ago I came
home after 2 week Caribbean cruise, became violently sick right away. I
picked up some tropical disease. 2 weeks hospital stay doing all kind
of tests, blood culture, X-ray, CAT scan, MRI, 6 weeks home care w/
weekly visit of a nurse. Did not cost anything for me.
 
A

amdx

.
Christopher A. Young
Learn more about Jesus
www.lds.org
.
.

While I don't pay for most of the cost, seems so. My copayments certainly
have gone up. Seems like high copayments work at keeping people from
getting treatment.

Greg

If health care is included in your package from the company, you pay
for it. It's just that it doesn't show on your pay stub. If they
weren't paying health care, they could put more money in your check.
That's how devious the tax system is, makes people think the employer
pays for stuff. You should listen to Rush Limbaugh explain it.

Low copayments encourage people to be careless with the money. I like
higher copayments, they better reflect reality.

I agree.
I have a $10,000 deductible with BCBS and contribute to an HSA.
The money in the HSA is my money and I spend it wisely.
I got the $10,000 deductible about 5 years ago when I got notice that
my insurance premium was increaseing to $9,900. I had a $2,500
deductible, I found that by raising it to $10,000 my premium dropped to
$4,300, a savings of $5,600 dollars.

I was hoping to see some numbers showing how much your insurance has
increased. I only want to know if you have an individual plan, not a
group/company plan.
Mikek
 
T

Tony944

Anything the government touches, costs go way up, in a hurry.
..
Christopher A. Young
Learn more about Jesus
www.lds.org
..
..
Just wondering what type of increases everyone is getting.

I have a family of four with BCBS of Florida.
In 2010 we had a 7.7% increase.
In 2011 we had a 8.1% increase.
In 2012 we had a 19.4% increase.
In 2013 we had a 21.0% increase.

I think the last two years large increases are because of Obamacare.
Seems to be a lot of articles to back that up.

Mikek


I have retire in 2003 as I was retiring We me and my wife received notice
from
NJ BCBS that premiums will go up from $1900. per month to $2300. per month
both of us was cover by type (J) coverage wit $1500. deductible I will not
blame any individual
administration but the whole Legislative system with too many crooks
collecting salaries do nothing
It should be mandatory retirement for they don't want retire because all is
paid for them by tax payer.
 
T

The Daring Dufas

Hi,
Whoa! We don't have any payment other than paying 20% of prescription
cost as seniors. Some other meds. are supplied free. 2 years ago I came
home after 2 week Caribbean cruise, became violently sick right away. I
picked up some tropical disease. 2 weeks hospital stay doing all kind
of tests, blood culture, X-ray, CAT scan, MRI, 6 weeks home care w/
weekly visit of a nurse. Did not cost anything for me.
Aren't you in Canada? o_O

TDD
 
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N

NotMe

Anything the government touches, costs go way up, in a hurry.

Recall Standard Oil, the railroad trust? And that's just the short list.
 
A

amdx

Just wondering what type of increases everyone is getting.

I have a family of four with BCBS of Florida.
In 2010 we had a 7.7% increase.
In 2011 we had a 8.1% increase.
In 2012 we had a 19.4% increase.
In 2013 we had a 21.0% increase.

I think the last two years large increases are because of Obamacare.
Seems to be a lot of articles to back that up.

Mikek
Just looking over my paperwork, I had a 19.4% increase on 5-25-12 and a
21.0% increase on 7-26-13,
That works out to 44.5% increase in 14 months.
This sucks!
Mikek
 
M

Moe DeLoughan

Just looking over my paperwork, I had a 19.4% increase on 5-25-12 and
a 21.0% increase on 7-26-13,
That works out to 44.5% increase in 14 months.
This sucks!
Mikek
Thanks to the Affordable Care Act, for the past two years I've gotten
refund checks from my health insurance company. So has my mom.

And in my state, the cost for even the platinum-level health care
plans will be cheaper than what my sister's been paying for her COBRA
coverage - and with a lower deductible, to boot. Another sister has
been so relieved that she's been able to keep her son on her health
insurance even after he turned 18, since under the ACA children can be
covered to age 26.

There are an awful lot of people benefiting from the ACA as it has
been gradually phased in over the past few years.
 
A

amdx

Thanks to the Affordable Care Act, for the past two years I've gotten
refund checks from my health insurance company. So has my mom.

And in my state, the cost for even the platinum-level health care plans
will be cheaper than what my sister's been paying for her COBRA coverage
- and with a lower deductible, to boot. Another sister has been so
relieved that she's been able to keep her son on her health insurance
even after he turned 18, since under the ACA children can be covered to
age 26.

There are an awful lot of people benefiting from the ACA as it has been
gradually phased in over the past few years.
What company are you with?
What state?
I have not ran across anyone that has lower healthcare costs, you are
the first, give me some details. I want to find out how I can lower my
costs.
Mikek
 
M

Moe DeLoughan

What company are you with?
What state?
I have not ran across anyone that has lower healthcare costs, you
are the first, give me some details. I want to find out how I can
lower my costs.
Mikek
Insurance companies are Medica and HealthPartners. State is Minnesota.
ACA requires insurance companies to issue rebates to their customers
when they fall short of spending the legal minimum of premium dollars
on health care and quality improvement expenses. For individual and
small group plans, eighty cents of every premium dollar has to go for
that, or get rebated back. For large group plans, it's eighty five cents.

The first year we got the rebate checks, there was nothing
accompanying the checks. We opened the envelopes and were basically,
What the hell? Called our insurance companies and got it explained to us.


BTW, a poster on a web forum I hang out on said:

"I received a phone call from the company who manages our company
benefits yesterday. She was calling to inform me that she just
received word from Anthem that on 01/01/14 we will be renewing our
policy and that our monthly premium will DECREASE by 20%. That is a
savings for my company and employees of $600.00 a month. Add to that
the very generous tax credit we will receive for insuring our
employees, we will be saving over $10K a year. Since our annual
increases ranged between 0-5% over the last ten years, our premium
will go back to where they were in 2007."


Here's the thing: if we can hold the line on health cost increases, or
even lower them, we will make this country's companies more
competitive in the global market. Something that hurts US businesses
now is the fact that most other countries provide government-funded
health care, which gives their companies a competitive advantage to US
firms that are providing health care benefits. Hell, Toyota passed on
Alabama and chose Canada instead to build a plant a few years ago.
Their execs said straight out it was because the cost of providing
health insurance to Alabama workers would have been costlier than
paying the higher wages to the Canadian unionized workers.
 
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A

amdx

Insurance companies are Medica and HealthPartners. State is Minnesota.
ACA requires insurance companies to issue rebates to their customers
when they fall short of spending the legal minimum of premium dollars on
health care and quality improvement expenses. For individual and small
group plans, eighty cents of every premium dollar has to go for that, or
get rebated back. For large group plans, it's eighty five cents.

The first year we got the rebate checks, there was nothing accompanying
the checks. We opened the envelopes and were basically, What the hell?
Called our insurance companies and got it explained to us.
I don't get it? You are happy with your insurance company because they
overcharged you so much that they gave you some of your money back?
The government forced that.


BTW, a poster on a web forum I hang out on said:

"I received a phone call from the company who manages our company
benefits yesterday. She was calling to inform me that she just received
word from Anthem that on 01/01/14 we will be renewing our policy and
that our monthly premium will DECREASE by 20%. That is a savings for my
company and employees of $600.00 a month. Add to that the very generous
tax credit we will receive for insuring our employees, we will be saving
over $10K a year. Since our annual increases ranged between 0-5% over
the last ten years, our premium will go back to where they were in 2007."
Is that $600.00 per month per employee or just for the company?
If that is $600.00 per employee, that's premium of $3000.00 per employee
per month. I'm bitching because mine has hit $633 per month for a family
of four. (The qualifier is a $10,000 deductible)
If it's $600.00 for the company it a pittance.

Which is it?
 
T

The Daring Dufas

I don't get it? You are happy with your insurance company because they
overcharged you so much that they gave you some of your money back?
The government forced that.



Is that $600.00 per month per employee or just for the company?
If that is $600.00 per employee, that's premium of $3000.00 per employee
per month. I'm bitching because mine has hit $633 per month for a family
of four. (The qualifier is a $10,000 deductible)
If it's $600.00 for the company it a pittance.

Which is it?
Wait for the other shoe to drop then all those who think Obama Care is
so great will get slammed with all the hidden features of the law. o_O

TDD
 
A

amdx

I don't get it? You are happy with your insurance company because they
overcharged you so much that they gave you some of your money back?
The government forced that.



Is that $600.00 per month per employee or just for the company?
If that is $600.00 per employee, that's premium of $3000.00 per employee
per month. I'm bitching because mine has hit $633 per month for a family
of four. (The qualifier is a $10,000 deductible)
If it's $600.00 for the company it a pittance.

Which is it?
Since there was no response, I'm pretty sure his company was buying
him a $3000.00 per month insurance policy.
I'm not surprised the insurance company had to rebate some money and
found a way to reduce the premium.
Mikek
 
T

TimR

One change is that insurance companies can't deny you coverage if you have a preexisting condition.

I paid for my first child's birth costs because my new employer didn't cover the "preexisting condition" of the pregnancy.

About half the states already have that law on the books, and in those states insurance costs don't go up.

Other states don't, and it will be a bit more expensive for the insurance companies, and they'll pass those costs on.
 
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A

amdx

One change is that insurance companies can't deny you coverage if you have a preexisting condition.

I paid for my first child's birth costs because my new employer didn't cover the "preexisting condition" of the pregnancy.

About half the states already have that law on the books, and in those states insurance costs don't go up.

Other states don't, and it will be a bit more expensive for the insurance companies, and they'll pass those costs on.
That's the problem, they're passing them on to me.
That's why I've had a 44.5% increase in 14 months.
Actually the normal increases would be about 15.5%.
So an additional 29% has been passed on to me.
Mikek
 
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