Obama to announce fix for canceled health plans

[DHOHHI]

Quote from bigarrow:

What state are you in, is the 10000 deductible you now have for each person, what is your present per person deductible. Thanks

We're in South Carolina. The $10K deductible is for both of us (or $5K/person). I had a $5K deductible policy while my wife was still working which was about $160/month prior to the $337/month for the both of us 5 years ago.

And in the interest of full disclosure .. we had been with BC/BS prior to the current insurer and got PO'ed when BC/BS started jacking rates up 10-20% per year. So we found Coventry, which was a company that started at Duke University, and found that the IDENTICAL policy we had with BC/BS was 33% cheaper with Coventry. So it was a no brainer to change.

Last, Coventry has sent me multiple letters suggesting I can get a colonscopy for the last 2 years (at no cost). Last colonoscopy I had was at age 50 and I was billed over $1600 (about $800 for the facility charge and $800 for the gastroenterologist) of which I paid 50%. So 9 years later I suspect the charge to the patient would be $1200 minimum ... and that cost is waived as it's deemed 'preventive'. And that is not a bad deal IMO.

 

[DHOHHI]

Quote from DHOHHI:

We're in South Carolina. The $10K deductible is for both of us (or $5K/person). I had a $5K deductible policy while my wife was still working which was about $160/month prior to the $337/month for the both of us 5 years ago.

And in the interest of full disclosure .. we had been with BC/BS prior to the current insurer and got PO'ed when BC/BS started jacking rates up 10-20% per year. So we found Coventry, which was a company that started at Duke University, and found that the IDENTICAL policy we had with BC/BS was 33% cheaper with Coventry. So it was a no brainer to change.

Last, Coventry has sent me multiple letters suggesting I can get a colonscopy for the last 2 years (at no cost). Last colonoscopy I had was at age 50 and I was billed over $1600 (about $800 for the facility charge and $800 for the gastroenterologist) of which I paid 50%. So 9 years later I suspect the charge to the patient would be $1200 minimum ... and that cost is waived as it's deemed 'preventive'. And that is not a bad deal IMO.

And for the record you can go to ehealthinsurance and see the following:


Coventry Health Care of the Carolinas, Inc. QHDHP 3 Not Yet Rated
Compare
You pay nothing after deductible
Find Doctors
$5,000 (individual) $10,000 (family)
$373.93


So it's up about $9 since we got our policy. And note the 0% co-insurance.

 

[bigarrow]

Quote from DHOHHI:

We're in South Carolina. The $10K deductible is for both of us (or $5K/person). I had a $5K deductible policy while my wife was still working which was about $160/month prior to the $337/month for the both of us 5 years ago.

And in the interest of full disclosure .. we had been with BC/BS prior to the current insurer and got PO'ed when BC/BS started jacking rates up 10-20% per year. So we found Coventry, which was a company that started at Duke University, and found that the IDENTICAL policy we had with BC/BS was 33% cheaper with Coventry. So it was a no brainer to change.

Last, Coventry has sent me multiple letters suggesting I can get a colonscopy for the last 2 years (at no cost). Last colonoscopy I had was at age 50 and I was billed over $1600 (about $800 for the facility charge and $800 for the gastroenterologist) of which I paid 50%. So 9 years later I suspect the charge to the patient would be $1200 minimum ... and that cost is waived as it's deemed 'preventive'. And that is not a bad deal IMO.

Damn that is cheap, well not cheap but about what it should cost. My colonoscopy 2 years ago cost me about 7K and that was after fighting with the hospital to knock off 3.5K of the bill. But I live in TX and the docs and hospitals have a reputation for gouging. Oh yeah and my insurance wouldn't pay any of the bill even though they approved the procedure with the hospital and doc before I went in and then called and denied coverage the evening before I was scheduled to go in. I dislike the whole group of them, hospitals, doctors, insurance companies. The only ones that seem to give a shit are the nurses.

You're one of the few whose numbers match what they complained about. You had an exceptional policy, much better than any other cat. policy I've seen and the premiums were crazy cheap. If it makes you feel any better they were probably going to skyrocket to match the market sooner or later. Those too good to be true deals usually don't last forever.

 

[fhl]

Quote from bigarrow:

. My colonoscopy 2 years ago cost me about 7K and that was after fighting with the hospital to knock off 3.5K of the bill.

shocking. I can't see why those should cost that much.


I had one about twenty years ago and it was all covered by insurance with the company i was with as i recall. I've always felt that i wasn't ever going to have one of those procedures again. Still, i can't believe they charge that much for that.

 

[bigarrow]

Quote from fhl:

shocking. I can't see why those should cost that much.


I had one about twenty years ago and it was all covered by insurance with the company i was with as i recall. I've always felt that i wasn't ever going to have one of those procedures again. Still, i can't believe they charge that much for that.

They're fucking crooks the hospitals, doctors and insurance companies. When I was a boy the towns top pediatric doctor lived in a nice house about 2500 sf and he was a great doctor people came from other towns to see him. Today a half ass doc will have a 9000sf estate and a 3000sf mountain getaway home. There is a transfer of wealth in America but it isn't going to the poor like the media machine would have you believe, that's just a distraction, it's a transfer of wealth to the top.

 

[DHOHHI]

Quote from bigarrow:

Damn that is cheap, well not cheap but about what it should cost. My colonoscopy 2 years ago cost me about 7K and that was after fighting with the hospital to knock off 3.5K of the bill. But I live in TX and the docs and hospitals have a reputation for gouging. Oh yeah and my insurance wouldn't pay any of the bill even though they approved the procedure with the hospital and doc before I went in and then called and denied coverage the evening before I was scheduled to go in. I dislike the whole group of them, hospitals, doctors, insurance companies. The only ones that seem to give a shit are the nurses.

You're one of the few whose numbers match what they complained about. You had an exceptional policy, much better than any other cat. policy I've seen and the premiums were crazy cheap. If it makes you feel any better they were probably going to skyrocket to match the market sooner or later. Those too good to be true deals usually don't last forever.

Actually my insurance company sent us a letter in late October where they offered to cancel our existing policy as of 12/1/13 and extend to us an identical policy to commence on 12/1/13 and run through 11/30/14. They alluded in the letter to receiving a large number of complaints from current clients and that was why they came up with this offer ... and they only increased my premium a little bit based on my having had another birthday and thus being a year older.

 

[Lucrum]

Obamacare and Romneycare architect Jonathan Gruber was all over the cable-news networks this week as Obamacare collapse deepened. Rush Limbaugh especially focused on Gruber’s utopian talk of “genetic winners” unfairly paying less for health insurance on MSNBC's The Daily Rundown.

“We currently have a highly discriminatory system where if you're sick, if you've been sick, if you're gonna get sick, you cannot get health insurance. The only way to end that discriminatory system is to bring everyone into the system and pay one fair price,” proclaimed the MIT technocrat to Chuck Todd. “That means that the genetic winners, the lottery winners who've been paying an artificially low price because of this discrimination now will have to pay more.”

Read more: http://newsbusters.org/#ixzz2kq5JWQAg


The stupidity of the bleeding heart left knows no bounds.

 

[Lucrum]

Obama officials Henry Chao and Marilyn Tavenner lied under oath to Congress

http://poorrichardsnews.com/post/67166908618/obama-officials-henry-chao-and-marilyn-tavenner-lied


Prison time, or a free pass?

 

[Lucrum]

The Chicago Tribune isn’t the only newspaper in the country calling for a repeal, no a “demolishment” of Obamacare today, but it’s worth highlighting because, after all, this is Obama’s hometown newspaper. Just one year ago, the Tribune endorsed Obama for President, citing that Obama would “leave our children” a better America.

Today the Tribune is singing a different tune

http://poorrichardsnews.com/

 

[jem]

more rats fleeing the ship.

Quote from Lucrum:

The Chicago Tribune isn’t the only newspaper in the country calling for a repeal, no a “demolishment” of Obamacare today, but it’s worth highlighting because, after all, this is Obama’s hometown newspaper. Just one year ago, the Tribune endorsed Obama for President, citing that Obama would “leave our children” a better America.

Today the Tribune is singing a different tune

http://poorrichardsnews.com/