Health Care Law Experiences

Discussion in 'Politics' started by fljoe0, Mar 25, 2014.

  1. fljoe0
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    fljoe0 Cantre Member

    I didn’t want to put this in the political section because I only want to hear about actual experiences with the new US healthcare law, not how evil or saintly President Obama is. Since that probably won’t happen, I’ll put in in the political thread. Feel free to express an opinion about how you think the law is working but please stay away from rants about the lawmakers or the president. Let’s just keep the focus on the actual healthcare.


    My own opinion on the new law is that I’m not too crazy about what was done or the execution of it but I am very glad that something was done. I hope that we can make significant improvements over the years but we have to start somewhere and at least we’ve started.


    I was already a Blue Cross member and didn’t have to change much except pay a lot more (but that has happened before without a new law). I didn’t lose any doctors or facilities close to me so except for being a little lighter in the pocket, I haven’t noticed any change. Luckily, I’ve been very healthy (except for one nasty incident 14 years ago) and have not used my insurance much over the years so I’m kind of clueless to any changes going on (and I hope to keep it that way) other than what I hear.


    So, what has everyone’s experience been with this? I’m curious about people that used the government website too.
    danie, Neesy, Shasta and 7 others like this.
  2. jchanic
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    jchanic Well-Known Member

    I'm covered under my wife's Aetna/Medicare plan and have not seen any real changes. The price went up a little, but that was not unexpected--it goes up every year.

    John
    Neesy, Shasta, guido tkp and 4 others like this.
  3. skimom2
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    skimom2 Just moseyin' through...

    We haven't seen the hit for insurance yet, but it's been jumping up each year. To be honest, I'd like to give the new system a try--can't be worse than what we have. Eats a horrible amount of Mark's pay each week. I'd love to see single payer for basic health care, and maybe this is the first step.
    Neesy, Shasta, guido tkp and 5 others like this.
  4. DiO'Bolic
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    DiO'Bolic Simply Stated

    I lost my company provided health care insurance primarily because of ObamaCare. Therefore I had to go on the exchange. Took me three days and about 18 crashes of the website -- which resulted in the process taking about 8 hours all told of my time until I finally enrolled. My personal experience was my insurance through the exchange came out a bit cheaper because our company health care insurance was very expensive due to the majority of employees were woman over 40 (which automatically caused high premiums), and some with health issues. I didn’t lose doctors or hospitals in my new plan because I chose a plan that included those doctors and hospitals, although my criteria did cause me to go with a higher cost plan.
  5. DiO'Bolic
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    DiO'Bolic Simply Stated

    I think you would still see a huge chunk taken out of the paycheck with a single payer system. It would just be in the form of much much higher taxes... with no options or recourse.
    Neesy, Haunted, Sigmund and 4 others like this.
  6. skimom2
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    skimom2 Just moseyin' through...

    No real option now, not with kids. It would be worth it to have guaranteed care for the greatest number of people (IMHO).
    Neesy, Sigmund, fljoe0 and 3 others like this.
  7. Sundrop
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    Sundrop the Great & Wonderful

    The first two times I tried the healthcare.gov website, it crashed. The third time was the charm, and the process didn't take very long.
    I did not have health insurance before, so was glad to be able to purchase it.
    The only problem that I've had is that my ID cards have not yet arrived. I've called Blue Cross twice, and they said they issued new cards.
    Hopefully, they will arrive soon.
    Neesy, Shasta, VultureLvr45 and 5 others like this.
  8. fljoe0
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    fljoe0 Cantre Member

    You may be able to print your card from their website. Go to their website and look around. If you haven't got an account number yet, you probably can't do it but look on any mailings you've received and see if there is an account number. There may be an account number on something other than the cards. If you have a bill, I'm sure you have an account number. The Blue Cross website has many good features after you get yourself set up and I'm pretty sure you can print a card.
  9. fljoe0
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    fljoe0 Cantre Member

    Did your company drop health insurance all together?
  10. Sundrop
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    Sundrop the Great & Wonderful

    I tried accessing my account on the Blue Cross website....apparently, when they received my payment, they reset all my info to an old account I had with them in 2004....including username and password. I can't reset anything until I receive the new ID cards. I called Blue Cross, but the wait times are understandably long right now. I'm on a call back list for tomorrow. Once they give me the numbers, it shouldn't take long to access my account and print temporary cards.
    Neesy, Autumn Gust and fljoe0 like this.
  11. JordyVerrill
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    JordyVerrill Lunkhead

    Every non managerial employee for the company I work for is now forced to work no more then 29.5 hours per week so the company doesn't have to provide health insurance. These people used to work a solid 40 hours every week.
    Neesy, Autumn Gust and fljoe0 like this.
  12. Sigmund
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    Sigmund Well-Known Member

    Good evening.

    After hearing all the trouble with the Affordable Health Care website my son and I went to an office with certified professionals to help us sign up. We had all the necessary information.(SS cards, W-2 forms, etc.) Turns out we qualify for a subsidy however thanks to our Governor and great state will not allow the subsidy. And neither one of us qualify for Medicare. Crud.

    The FANTASTIC news is we will not be penalized for not having health care insurance! Yay?

    Peace.
    Neesy, VultureLvr45, Sundrop and 3 others like this.
  13. fljoe0
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    fljoe0 Cantre Member

    WTH? Why would the state do that?

    Wait a minute , can I guess? Texas?
  14. skimom2
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    skimom2 Just moseyin' through...

    Sounds like our state. Legislature is idiotic to refuse the subsidy, yet won't create a state program *smdh*
    Neesy, VultureLvr45 and Autumn Gust like this.
  15. Sigmund
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    Sigmund Well-Known Member

    Yes, Sir.

    Gotta love Rick Perry.

    Peace.
  16. Grandpa
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    Grandpa Well-Known Member

    Covered under Grandma's employer. It went up some. Can't say it went up because of Obamacare/AHCA. It always goes up. We may look at some point and see if we can get a better deal out of the exchange. Colorado was an enthusiastic participant.
    Neesy, Autumn Gust, Sigmund and 3 others like this.
  17. blunthead
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    blunthead Well-Known Member

    When the Affordable Care Act became certain my employer canceled our health insurance policies. I was able to purchase an insurance plan offered by the State of Georgia for people with pre-existing conditions, and which was really expensive. Plus, it didn't cover very much (for instance, I had an MRI and after insurance I still owed over $2000). Plus, it had a high deductible. But I was certainly fortunate to have it. It was better than nothing. The company canceled my policy at the end of the year due to the ACA, which was no surprise. Consequently, I had to reschedule surgery I'd had planned. I tried the website and it didn't work, but there was a 1-800 number there to call to talk to someone. I called, the lady asked several questions - kind of like some of the questions when you're filling out the tax stuff when you get a job - then she said they'd mail me a packet which would tell me what my options were.

    Meanwhile, I had to get insurance so I could get the surgery done, and since after three weeks the government packet had not yet arrived, I went ahead, contacted an agent and bought insurance. The man explained some things which I won't go into here, but which are very interesting about the new law. Anyone reading this who wishes to know what he told me can PM me. The plan I decided on has a low deductible, since I knew I was having surgery soon. I really like the plan, and though it's twice as expensive as the previous one, it pays 100% after deductible. That's nice, especially considering all the medical stuff I've had to have done lately.
    Last edited: Mar 25, 2014
    Neesy, Autumn Gust, Haunted and 4 others like this.
  18. VultureLvr45
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    VultureLvr45 Well-Known Member

    We are screwed. Family of three. Have been purchasing sons medication monthly out of pocket. Pay for his doctors visits out of pocket. No health insurance, have been paying as needed, but have no preventative or health insurance now. We can't afford to pay our bills as is, so either we go without and get fined or sign up for something we can't afford with crazy high deductibles and low benefits. I am sorry to express this, but da*n, I worked the majority of my adult life, I have paid into the system enough now should I become disabled, I would qualify for benefits.

    Our country should provide basic free healthcare, preventative, prescriptions and vision and dental for all of it's citizens. And just to stir the pot further, I think all education through the first bachelors degree should be free. Also think all youth should have to 'give back' four years of service to our country whether through military or service ventures.
    Neesy, Autumn Gust, Sundrop and 2 others like this.
  19. fljoe0
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    fljoe0 Cantre Member

    Why did they do that? Were they paying all of your premium or part or none? The employer part of the mandate (employers with 50 or more employees) doesn't kick in until 2015/2016 so I don't get why the companies you and dio bolic work for cancelled the plans they had in place.
    Last edited: Mar 25, 2014
  20. fljoe0
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    fljoe0 Cantre Member

    You know what is really horrible for people with no insurance is that the hospitals charge as much as 5 times higher prices to people with no insurance than they pay to insurance companies for the same procedures. Talk about sticking it to people.

    Have you attempted to use the government site to see if you can qualify for reduction?

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