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Old 10-23-2013, 09:58 AM
 
Location: Barrington
63,919 posts, read 46,748,172 times
Reputation: 20674

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Quote:
Originally Posted by petch751 View Post
I liked my insurance policy but it was terminated because of Obamacare. yea, thanks
It was not ACA compliant. I am sorry this may have been a surprise to you. Shame on your insurer.

I am covered under an Illinois BCBS large group policy. It was ACA compliant on 1/1/13.
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Old 10-23-2013, 10:05 AM
 
Location: Tampa Florida
22,229 posts, read 17,858,215 times
Reputation: 4585
It's certainly a "good idea" for the Repubs to make as much hay as they can on the web site problems while they can. Hey, maybe they could get Issa to hold a hearing on the "scandal", at least until the problems are worked out ...
Oh wait...
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Old 10-23-2013, 10:06 AM
 
Location: Sonoran Desert
39,078 posts, read 51,239,172 times
Reputation: 28324
Quote:
Originally Posted by summers73 View Post
That's unfortunate, because the client-side spaghetti code is pretty darn bad.
All the righties with the new vocab they picked up from the wingnut "experts" on the AM radio dial! Client-side code? There is no client-side code in the ACA app - it is a web application not a client-server app. Keep it up, though. It helps all of us know whose posts to ignore in the discussion.
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Old 10-23-2013, 10:06 AM
 
Location: Barrington
63,919 posts, read 46,748,172 times
Reputation: 20674
Quote:
Originally Posted by borregokid View Post
Republicans for the most part cant make an honest comment on the ACA because the majority of the base is on Tricare, Medicare, and VA. Right now they are researching the open enrollment period...the ACA is socialism according to the base and its the downfall of the US...forget about Medicare..By the way how much have we poured into Medicare..It works doesn't it. So quite complaining about the ACA.
Medicare part D ( a sweet Republican initiative that was and remains 100% deficit spend took three years from approval to roll out. It was primarily paper-based. OMG. You never saw such mayhem. Eventually, private sector pharmacies hired temps to help the elderly apply. Senior centers recruited volunteers to help seniors complete the paper work. I was one of them.
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Old 10-23-2013, 10:14 AM
 
Location: Barrington
63,919 posts, read 46,748,172 times
Reputation: 20674
Quote:
Originally Posted by JimRom View Post
Last I checked, Medicare was still optional. Quit comparing apples and oranges.
Indeed it is. My husband is eligible and continues to be employed full time and relies on his employer's large group insurance plan to cover us. If he had retired, I would have needed to buy an individual policy.
I know exactly what such policy would have cost, pre ACA and now post ACA.

I expected the premium to have doubled, given the ACA compliant policy is substantially richer than any I could have previously purchased. I do not have a pre-existing condition. Instead the ACA policy cost is 35-50% less for more benefits, dependent on plan.

It's about twice as much as what a 25 year old would pay. I am less likely to be involved in a car wreck, engage in unprotected sex, acquire an STD, including HIV, become pregnant, abuse substances or need mental health care than a 25 year old. Given my age I am more likely to become 1/3 people who will receive a Cancer diagnosis in their lifetime than a 25 year old, thus the 50% higher cost than a 25 year old pays.

I can and do appreciate that mileage varies within and across states.
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Old 10-23-2013, 10:16 AM
 
Location: Sonoran Desert
39,078 posts, read 51,239,172 times
Reputation: 28324
Quote:
Originally Posted by middle-aged mom View Post
It was not ACA compliant. I am sorry this may have been a surprise to you. Shame on your insurer.

I am covered under an Illinois BCBS large group policy. It was ACA compliant on 1/1/13.
I do have some sympathy for that poster and the millions more like him who may have had substandard catastrophic policies. I think the ACA should have included low benefit/low cost options if people could meet a means test - and by that I mean not that they were poor and needy but they had sufficient personal wealth to cover the short-comings of such policies in the event of a serious medical issue. Maybe there is some reason that it would not pencil out if they had done this. I don't know. But overall, there are any number of improvements that could be implemented, not the least of which is the 30 hour loop hole mess. Unfortunately, the Republicans are more bent on destruction than they are on fixing ATM. Once the program gains in popularity, though, we may see more and more Pubs come on board for constructive change.
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Old 10-23-2013, 10:21 AM
 
Location: Barrington
63,919 posts, read 46,748,172 times
Reputation: 20674
Quote:
Originally Posted by wrench409 View Post
My son has walked away from the team repairing code for HHS website. He wants nothing to do with it.

I don't blame him.
Last I heard, there were 55 different contracting companies involved in the development of ACA technology. With a project of this size and scope, X percent will walk away, no matter what.

The politics within large scale private or public sector technology projects is second only to what happens in Congress.

Some people thrive in this kind of environment and some do not. I am not making or implying a value judgment on your son's decision to walk away.
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Old 10-23-2013, 10:21 AM
 
Location: Tampa Florida
22,229 posts, read 17,858,215 times
Reputation: 4585
Quote:
Originally Posted by Ponderosa View Post
I do have some sympathy for that poster and the millions more like him who may have had substandard catastrophic policies. I think the ACA should have included low benefit/low cost options if people could meet a means test - and by that I mean not that they were poor and needy but they had sufficient personal wealth to cover the short-comings of such policies in the event of a serious medical issue. Maybe there is some reason that it would not pencil out if they had done this. I don't know. But overall, there are any number of improvements that could be implemented, not the least of which is the 30 hour loop hole mess. Unfortunately, the Republicans are more bent on destruction than they are on fixing ATM. Once the program gains in popularity, though, we may see more and more Pubs come on board for constructive change.
The ACA does have an option for that ...

https://www.healthcare.gov/can-i-buy...strophic-plan/
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Old 10-23-2013, 10:22 AM
 
Location: Sonoran Desert
39,078 posts, read 51,239,172 times
Reputation: 28324
Quote:
Originally Posted by middle-aged mom View Post
Indeed it is. My husband is eligible and continues to be employed full time and relies on his employer's large group insurance plan to cover us. If he had retired, I would have needed to buy an individual policy.
I know exactly what such policy would have cost, pre ACA and now post ACA.

I expected the premium to have doubled, given the ACA compliant policy is substantially richer than any I could have previously purchased. I do not have a pre-existing condition. Instead the ACA policy cost is 35-50% less for more benefits, dependent on plan.

It's about twice as much as what a 25 year old would pay. I am less likely to be involved in a car wreck, engage in unprotected sex, acquire an STD, including HIV, become pregnant, abuse substances or need mental health care than a 25 year old. Given my age I am more likely to become 1/3 people who will receive a Cancer diagnosis in their lifetime than a 25 year old, thus the 50% higher cost than a 25 year old pays.

I can and do appreciate that mileage varies within and across states.
That is exactly my situation: retired but too young for Medicare and with a young self-employed wife and kids still at home. I have too much family income to qualify for subsidies. Prior to Obamacare the cost of open market insurance was staggering because of underwriting. I was grateful that my employer offered a retiree group plan (but did not pay anything for it). But now, the plan my employer offers is 40% more than a much better ACA plan. So I have a dog in the fight in the sense of being able to enroll.
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Old 10-23-2013, 10:29 AM
 
Location: Sonoran Desert
39,078 posts, read 51,239,172 times
Reputation: 28324
Quote:
Originally Posted by florida.bob View Post
The ACA does have an option for that ...

https://www.healthcare.gov/can-i-buy...strophic-plan/
Yes, sort of. But it is only available to those who are under 30 or whose costs for the cheapest plan would be more than 8% of gross. And it is still pricey because it pays for preventive care with no deductible, birth control at no cost, maternity, mental health, vision, etc - things the cheapo policies did not cover until ACA mandated it.
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