Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
I love my new ObamaJunk policy with the higher deductible and 50% coinsurance and higher total out of pocket. It is sooo much better.
Pretty much everyone is going to get put on a high deductible plan.
It's more high deductible than my current high deductible plan ($5K out of pocket).
So what happens if my insurance company decides to get rid of the policy I like? Will the Republican plan make them continue to offer a plan they no longer carry?
What happens if someones $50 policy that they love only covers $1000.00 a year in costs. Will the patient be required to cover the additional costs out of pocket BEFORE being treated, or will the hospital be forced to eat the cost which will drive my premiums up even more?
This vote will be used against EVERY Democrat who votes against it next year at election time. And at that time all the people with employer insurance will face the same issue of being forced into plans that are costlier, with worse coverage and skimpy networks. This is important.
And if it actually passed the House and Senate, Obama would have to sign or veto it.
Nail them to the wall with their bs.
So conservatives are okay with compelling insurance companies to sell policies that insurance companies don't want to sell, but they aren't okay with compelling doctors to treat patients they don't want to treat (see the thread on Democrats wanting to pass a law compelling doctors to treat Medicare/Medicaid patients).
Hmmm....there seems to be a disconnect here somewhere...........
So what happens if my insurance company decides to get rid of the policy I like? Will the Republican plan make them continue to offer a plan they no longer carry?
What happens if someones $50 policy that they love only covers $1000.00 a year in costs. Will the patient be required to cover the additional costs out of pocket BEFORE being treated, or will the hospital be forced to eat the cost which will drive my premiums up even more?
I wouldn't even worry about any of that. This is a bogus "feel good" bill that got presented.
Has the bill to put full time back to 40 hours passed ?
Pretty much everyone is going to get put on a high deductible plan.
It's more high deductible than my current high deductible plan ($5K out of pocket).
And the government thinks this is "affordable" ?
And something else on the plus side, my mother who who is in her 60's now gets to pay for maternity coverage.
39.59.59 hours and below were always considered not full time.
Nah - in, for example, Fairfax county, VA county (government) workers qualify for certain benefits when they hit, I think, 25 hours - at THAT point they are (and have been for years and years) considered "full-time".
[I easily could have the exact threshold wrong, however the rest is correct]
That we not waste time and tax dollars on political grandstanding, for one.
The ACA allowed the insurance companies to grandfather these plans in. The INSURANCE COMPANIES made business decisions to cancel the plans. And Mr Cantor knows this. This law, even if passed, would change nothing. Insurance companies are not going to cover pre-existing conditions, and the sick and the elderly, unless they can cover those costs. And they have decided to cover those costs by cancelling existing policies, blaming it on the ACA, and moving people into more expensive coverages. Because of the cap on profits, the insurance companies are not served by offering a plethora of coverages. They need each policy they offer to cover a large pool of people, sick and healthy. Otherwise, they will be reimbursing some people on policies because the profit margin is too high, and they will simultaneously be losing money on policies that cover a pool of people who are not healthy. Business-wise, they need to merge the pools so that they achieve the profits allowed by law, but don't exceed the profits allowed by law. So cancelling policies is a business decision. Which Mr Cantor understands. But as a Republican, he'd rather waste our tax dollars and Congress's time on partisanship.
In the beginning, you are correct, they could grandfather plans in, without change, then all that changed...they had to meet min. requirements of the ACA....
It is the fault of the ACA, let me ask you, if the ACA was not be law, would those policies be canceled, or would they still have insurance?
Pretty much everyone is going to get put on a high deductible plan.
It's more high deductible than my current high deductible plan ($5K out of pocket).
And the government thinks this is "affordable" ?
The highest deductible possible on ACA plans is $6350 because that is the maximum out of pocket allowed. And, of course, it is true out of pocket in that it includes all copays, prescriptions, etc. Keep that in mind. The absolute maximum that anyone insured will pay for health care next year is $6350 no matter how bad an accident or serious an illness they came down with.
Of course, even though you act like it is not the case, there are other plans having much lower deductibles that are offered. My new plans has $0 deductible and a max out of pocket of $2000. An old goat like me pays $550 per month for that while a young person pays $150 or so - before any subsidy in both cases.
So conservatives are okay with compelling insurance companies to sell policies that insurance companies don't want to sell, but they aren't okay with compelling doctors to treat patients they don't want to treat (see the thread on Democrats wanting to pass a law compelling doctors to treat Medicare/Medicaid patients).
Hmmm....there seems to be a disconnect here somewhere...........
Insurers are discontinuing policies and offering others because the Unaffordale Care Act requires them to.
Get a clue.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
