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Oh good Lord. Since you can't understand professional talk, let's break it down to you at Kindergarten levels.
Anifani's company used to have health insurance that cost the employees x dollars a month. I will put in numbers so that you finally GET what the person is saying.
Old insurance policy through the company: $100 a month. That covered catastrophic situations, and the co-pay was $25 a visit. Deductibles were $5500 a year. Coverage was 90-100%.
With me so far? Or are you going to whine about these numbers, even though I said they were examples?
Because of the Obamacare horse crap, the employers are now REQUIRED to get new policies for their employees. The new policy will cost:
$230 a month. That covers everything known to man, including procedures that they do NOT need. They are paying for things that they will never use because it is not humanly possible based on their gender. But they still have to pay for it. The co-pays are now $40. Deductibles are $5000 a year. Coverage is now 80%.
Please do the math.
SO! What the employer decided was, instead of making their employees use this new policy that was FORCED ON THEM*, that will cost the employers, AND the employees, a whole hell of a lot more money, they decided to let the employees make their own choice, (a word that you libs seem to fear), and try the exchanges. THAT WAY, the employers could use the money that they saved, (since they pay part of the insurance for their employees, times however many employees they have...let's say it's 300 people), they can use that money to give raises, or keep people on, at all. So, they decided to drop the new policy, THAT WAS FORCED ON TO THEM by OpressiveCare, in order to keep people working, and hopefully still be able to give them raises.
The employees now can use the exchange...which will STILL cost them more than their old policy, that everyone liked, everyone was happy with, and everyone could afford.
They were NOT allowed to keep their old policy. The company was FORCED to purchase new policy under Opressive Care. They were FORCED to purchase a new policy, that was more expensive. The company was NOT ALLOWED to keep the policy that they had before. The new policy, that they were FORCED to take, costs a lot of money, including the employer, because the employer pays for part of that policy as a benefit to employees. That is why it is called a "benefit". But now, they can't really afford to do that, AND keep the same people on the payroll, and, give them raises. It is not financially possible. So they chose to drop the FORCED policy, and allow employees to use the exchanges. No matter what, the employees have to pay more for their health insurance, and they will get covered for things they don't need, and it will be way more out of pocket, but AT LEAST they can keep their jobs and still get raises because their EMPLOYER IS NOT ALSO BEING RAKED OVER THE COALS. The one who pays for part of their policy if it is done through the company.
You are either being obtuse on purpose, or you have ZERO understanding of how this world works. It isn't about "corporate fat cats" sitting on their mountains of wealth. Stop trying to put the blame on to anyone else but Obama. Because of his STUPID idea of OppressiveCare, that he FORCED down our throats, these people do NOT get to keep the policies that they had before.
If I used to pay $40 a month for my health insurance, but now, because OppressiveCare, I have to pay $100 a month for it, THAT IS NOT the same policy. If my deductible changed from $5500 with 90-100% coverage, to $5000 with 80% coverage, that is NOT the same policy. If I once paid for catastrophic insurance, but now have to pay for insurance that covers everything, including prostate exams, that is NOT the same policy.
Stop acting like you don't understand this. Stop acting like it's the employers fault that health insurance has risen for the employees. Stop acting like it's anyone elses fault but that tool shed that you drool over, named Obama. It is his, and his alone.
* "Forced" means, they didn't have a choice to keep their old policies. It means that they were forced to get new policies, if they wanted to continue offering health insurance through them.
YOU GOT IT. That is basically the situation.
Now, there are some other tweeks to the situation . . . additional payments to employees to help subsidize the exchange policies they will have to buy. But for the same amount of money as the company paid on the employees' behalf, plus the amount the employees were paying on their premiums, we cannot get the SAME COVERAGE - just as you said.
Oh good Lord. Since you can't understand professional talk, let's break it down to you at Kindergarten levels.
Anifani's company used to have health insurance that cost the employees x dollars a month. I will put in numbers so that you finally GET what the person is saying.
Old insurance policy through the company: $100 a month. That covered catastrophic situations, and the co-pay was $25 a visit. Deductibles were $5500 a year. Coverage was 90-100%.
With me so far? Or are you going to whine about these numbers, even though I said they were examples?
Because of the Obamacare horse crap, the employers are now REQUIRED to get new policies for their employees. The new policy will cost:
$230 a month. That covers everything known to man, including procedures that they do NOT need. They are paying for things that they will never use because it is not humanly possible based on their gender. But they still have to pay for it. The co-pays are now $40. Deductibles are $5000 a year. Coverage is now 80%.
Please do the math.
SO! What the employer decided was, instead of making their employees use this new policy that was FORCED ON THEM*, that will cost the employers, AND the employees, a whole hell of a lot more money, they decided to let the employees make their own choice, (a word that you libs seem to fear), and try the exchanges. THAT WAY, the employers could use the money that they saved, (since they pay part of the insurance for their employees, times however many employees they have...let's say it's 300 people), they can use that money to give raises, or keep people on, at all. So, they decided to drop the new policy, THAT WAS FORCED ON TO THEM by OpressiveCare, in order to keep people working, and hopefully still be able to give them raises.
The employees now can use the exchange...which will STILL cost them more than their old policy, that everyone liked, everyone was happy with, and everyone could afford.
They were NOT allowed to keep their old policy. The company was FORCED to purchase new policy under Opressive Care. They were FORCED to purchase a new policy, that was more expensive. The company was NOT ALLOWED to keep the policy that they had before. The new policy, that they were FORCED to take, costs a lot of money, including the employer, because the employer pays for part of that policy as a benefit to employees. That is why it is called a "benefit". But now, they can't really afford to do that, AND keep the same people on the payroll, and, give them raises. It is not financially possible. So they chose to drop the FORCED policy, and allow employees to use the exchanges. No matter what, the employees have to pay more for their health insurance, and they will get covered for things they don't need, and it will be way more out of pocket, but AT LEAST they can keep their jobs and still get raises because their EMPLOYER IS NOT ALSO BEING RAKED OVER THE COALS. The one who pays for part of their policy if it is done through the company.
You are either being obtuse on purpose, or you have ZERO understanding of how this world works. It isn't about "corporate fat cats" sitting on their mountains of wealth. Stop trying to put the blame on to anyone else but Obama. Because of his STUPID idea of OppressiveCare, that he FORCED down our throats, these people do NOT get to keep the policies that they had before.
If I used to pay $40 a month for my health insurance, but now, because OppressiveCare, I have to pay $100 a month for it, THAT IS NOT the same policy. If my deductible changed from $5500 with 90-100% coverage, to $5000 with 80% coverage, that is NOT the same policy. If I once paid for catastrophic insurance, but now have to pay for insurance that covers everything, including prostate exams, that is NOT the same policy.
Stop acting like you don't understand this. Stop acting like it's the employers fault that health insurance has risen for the employees. Stop acting like it's anyone elses fault but that tool shed that you drool over, named Obama. It is his, and his alone.
* "Forced" means, they didn't have a choice to keep their old policies. It means that they were forced to get new policies, if they wanted to continue offering health insurance through them.
Location: Just transplanted to FL from the N GA mountains
3,997 posts, read 4,144,523 times
Reputation: 2677
Quote:
Originally Posted by Three Wolves In Snow
Oh good Lord. Since you can't understand professional talk, let's break it down to you at Kindergarten levels.
Anifani's company used to have health insurance that cost the employees x dollars a month. I will put in numbers so that you finally GET what the person is saying.
It won't let me rep you again... but Author! Author!
Now, there are some other tweeks to the situation . . . additional payments to employees to help subsidize the exchange policies they will have to buy. But for the same amount of money as the company paid on the employees' behalf, plus the amount the employees were paying on their premiums, we cannot get the SAME COVERAGE - just as you said.
It is terribly demoralizing.
So you have seen a raise from your employer cancelling your policy? So what you are saying is that you still have to pay for the increase of cost, but now your employer is off the hook because they just have to pay the small fine that should have been much higher had the Democrats kept it at its original amount. Well that is nice of your employer to stick you with the bill so they can get out of it and increase their profits.
If i wrote that, it was in error--i meant --doesnt manage health insurance.
But you are just trying to take things off track, my friend.
This isn't about me.
This is about promises Obama made which he either never intended to keep or he knew he shouldn't make.
You can spin it anyway you want: Obama said we could keep our policies and our docs if we were satisfied with them.
Well, we can't.
He lied.
Well you can't keep a policy that doesn't cover anything, no point in paying for something that is nothing more than a junk policy that is stealing money from people.
Quote:
Originally Posted by bluesjuke I don't call my 65% increase "affordable".
I give it the name of "oppressive".
Quote:
Originally Posted by urbanlife78
Depends on how much it was before, a 65% increase on $20-30 a month isn't that big of a deal, though if you were paying a couple thousand a month, then it would be a huge increase.
My plan is through my employer that has, is, and will continue (for now) to pay 79% of the total.
The increase I have to pay is $225 a month more.
65% increase of any amount is uncalled for.
The economy and prices rising faster than wages already has a great deal of the families in this country stretched to the limit making it even harder when government steps in only to increase the burdens.
Now I find I have made an error and my increase is actually93.7%.
It's not 93.7% of a million bucks so that's OK right?
Quote:
Originally Posted by bluesjuke I don't call my 65% increase "affordable".
I give it the name of "oppressive".
My plan is through my employer that has, is, and will continue (for now) to pay 79% of the total.
The increase I have to pay is $225 a month more.
65% increase of any amount is uncalled for.
The economy and prices rising faster than wages already has a great deal of the families in this country stretched to the limit making it even harder when government steps in only to increase the burdens.
Now I find I have made an error and my increase is actually93.7%.
It's not 93.7% of a million bucks so that's OK right?
Well you could always cancel it and pay the penalty if that makes you feel better. Has your insurance started covering more in order to meet the minimum requirement? Keep in mind, I am not sitting next to you, so it is much harder for me to explain to you your own policy when I am only getting bits of information about it from you.
Well you can't keep a policy that doesn't cover anything, no point in paying for something that is nothing more than a junk policy that is stealing money from people.
Looks like someone got one of hot new Democrat talking points and is spamming every thread with it. So now you....err..Obama wants us to believe that those whose plans were cancelled had junk policies that didn't cover anything? Alrighty then.
I wonder if Sparkletts is hiring.
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