Obamacare Opt Out WARNING!

[RonD1120 58]

Tagging on the end with an Email from my buddy in Lakeland, FL. This is a copy of a letter to the editor of the Ledger.

Quote

To: Lakeland Ledger
Sent: Thursday, October 3, 2013 11:07 AM
Subject: obamacare

Unfortunately my wife was the victim of downsizing a couple years ago. Although she looked for other employment, like others before her, there were no jobs to be had. She had not reached her full retirement age and was more or less forced to take early retirement. Too young for Medicare we took out an insurance policy with Blue Cross Blue Shield to cover her medical expenses. The cost was 18% of her Soc. Sec. check.

Yesterday she received a letter from Blue Cross Blue Shield informing her that, due to obamacare (which by the way is not good enough for obama, pelosi or reid), they were replacing her policy with another. The new policy would take affect on Jan. 1, 2014. The cost would now be 97% of her Soc. Sec. check.

Isn't socialism just the greatest thing since sliced bread?

Ron *******
Lakeland

Look for the shiny things of God revealed by the Holy Spirit. They only last for an instant but it is a Holy Instant. Let your soul absorb them.

[SkyDekker 1,155]

Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

[rushmc 18]

SkyDekker

Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

Geting work would be easier if;
#1 The fucking gov would get out of the way with its fucked up laws and regulations that would allow companies to hire without worry of new regs and gov interventions

#2 The gov would stop giving shit away. Hear the newest? Free Obama phones when you sign up for the ACA


This is where those like Obama and Reid WANT the people to be

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[SkyDekker 1,155]

rushmc

***Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

Geting work would be easier if;
#1 The fucking gov would get out of the way with its fucked up laws and regulations that would allow companies to hire without worry of new regs and gov interventions

#2 The gov would stop giving shit away. Hear the newest? Free Obama phones when you sign up for the ACA


This is where those like Obama and Reid WANT the people to be

Easier? Fucking pussies, always want everything to be easy.

So tired of this entitlement generation. Wah, wah, wah my welfare doesn't cover my expenses. So work for a living, lazy bums.

Maybe in stead of writing letters to editors, they should be handing out resumes. Noooo, they would rather complain about their handout not being large enough.

[rushmc 18]

SkyDekker

******Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

Geting work would be easier if;
#1 The fucking gov would get out of the way with its fucked up laws and regulations that would allow companies to hire without worry of new regs and gov interventions

#2 The gov would stop giving shit away. Hear the newest? Free Obama phones when you sign up for the ACA


This is where those like Obama and Reid WANT the people to be

Easier? Fucking pussies, always want everything to be easy.

So tired of this entitlement generation. Wah, wah, wah my welfare doesn't cover my expenses. So work for a living, lazy bums.

Maybe in stead of writing letters to editors, they should be handing out resumes. Noooo, they would rather complain about their handout not being large enough.

Now you are a mind reader

Fucking cool

Tell me
what am I thinking about you right now?

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[RonD1120 58]

SkyDekker

Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

I don't as a rule respond to foreigners, however, my friend's wife is too old to find work in FL's depressed economy. She is past 65 now.

The point is, obamacare is only going to be for.... Well, I don't know who it is going to be good for. Companies are going to keep their workforce below 50 employees or work hours below 30 to keep from providing healthcare. So the average Joe will be forced to bear the cost with reduced wages. The best case for the wage earner is to try to find two 29 hr/wk jobs to afford healthcare for himself and his family.

Oh, and let's not forget the panels of bureaucrats who will decide what medical treatment you are authorized to have. It is directly related to your value in the workforce. I believe these are called death panels.

Look for the shiny things of God revealed by the Holy Spirit. They only last for an instant but it is a Holy Instant. Let your soul absorb them.

[normiss 644]

I work for a major US corporation.
No change in our coverage.
Won't know of any cost changes until enrollment opens up in November.
No change to Domestic Partner coverage.
DOMA law changed the Domestic Partner coverage for states that recognize marriage between same sexes. Meaning they now get medical insurance at the before taxes rate.
Those of us with Domestic Partner coverage, still get the after tax rate. (imputed income)

[RonD1120 58]

It is my understanding the major corporations were given a one year reprieve until January, 2015.

Look for the shiny things of God revealed by the Holy Spirit. They only last for an instant but it is a Holy Instant. Let your soul absorb them.

[normiss 644]

We have been repeatedly reassured that the company will retain healthcare coverage.
It attracts a better talent.

[Bignugget 0]

SkyDekker

******Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

Geting work would be easier if;
#1 The fucking gov would get out of the way with its fucked up laws and regulations that would allow companies to hire without worry of new regs and gov interventions

#2 The gov would stop giving shit away. Hear the newest? Free Obama phones when you sign up for the ACA


This is where those like Obama and Reid WANT the people to be

Easier? Fucking pussies, always want everything to be easy.

So tired of this entitlement generation. Wah, wah, wah my welfare doesn't cover my expenses. So work for a living, lazy bums.

Maybe in stead of writing letters to editors, they should be handing out resumes. Noooo, they would rather complain about their handout not being large enough.

Amen Canada, Amen.

[Bignugget 0]

normiss

We have been repeatedly reassured that the company will retain healthcare coverage.
It attracts a better talent.

stop with your propaganda.

don't make us call a death panel on you.

[kallend 1,679]

RonD1120

***Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

I don't as a rule respond to foreigners, however, my friend's wife is too old to find work in FL's depressed economy. She is past 65 now.

The point is, obamacare is only going to be for.... Well, I don't know who it is going to be good for. Companies are going to keep their workforce below 50 employees or work hours below 30 to keep from providing healthcare.

They are? Maybe some marginal ones will, or those driven by pure greed, but I doubt that companies that actually value their workforce will crap all over their workers in this way.

...

The only sure way to survive a canopy collision is not to have one.

[DaVinci 0]

kallend

******Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

I don't as a rule respond to foreigners, however, my friend's wife is too old to find work in FL's depressed economy. She is past 65 now.

The point is, obamacare is only going to be for.... Well, I don't know who it is going to be good for. Companies are going to keep their workforce below 50 employees or work hours below 30 to keep from providing healthcare.

They are? Maybe some marginal ones will, or those driven by pure greed, but I doubt that companies that actually value their workforce will crap all over their workers in this way.

http://www.washingtonpost.com/blogs/on-leadership/wp/2013/08/26/ups-to-cut-employees-working-spouses-from-its-health-plans/

Of course you will claim that UPS is "marginal", or "greedy", or "Don't value their employees".... Never mind that before ACA they provided it, now they don't. Don't let that factor into your already made decision.

It is not actually a difficult concept. If you own a company and the govt just imposed a massive future expense to you, you too would take the least expensive road.

But to try and blame the company for following the LAW is stupid. Put the blame where it lies... The Law.

[SkyDekker 1,155]

rushmc

*********Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

Geting work would be easier if;
#1 The fucking gov would get out of the way with its fucked up laws and regulations that would allow companies to hire without worry of new regs and gov interventions

#2 The gov would stop giving shit away. Hear the newest? Free Obama phones when you sign up for the ACA


This is where those like Obama and Reid WANT the people to be

Easier? Fucking pussies, always want everything to be easy.

So tired of this entitlement generation. Wah, wah, wah my welfare doesn't cover my expenses. So work for a living, lazy bums.

Maybe in stead of writing letters to editors, they should be handing out resumes. Noooo, they would rather complain about their handout not being large enough.

Now you are a mind reader

Fucking cool

Tell me
what am I thinking about you right now?

LOL

Funny you wouldn't recognize your own responses. It is usually those on your side of the political sepctrum who rant and rave about those on welfare and the entitlement.

[rushmc 18]

SkyDekker

************Your buddy's wife needs to get off the government teat and stop trying to live off welfare. That's what happens to lazy people, they get all dependant on government handouts.

Take some responsibility and work for a living.

Geting work would be easier if;
#1 The fucking gov would get out of the way with its fucked up laws and regulations that would allow companies to hire without worry of new regs and gov interventions

#2 The gov would stop giving shit away. Hear the newest? Free Obama phones when you sign up for the ACA


This is where those like Obama and Reid WANT the people to be

Easier? Fucking pussies, always want everything to be easy.

So tired of this entitlement generation. Wah, wah, wah my welfare doesn't cover my expenses. So work for a living, lazy bums.

Maybe in stead of writing letters to editors, they should be handing out resumes. Noooo, they would rather complain about their handout not being large enough.

Now you are a mind reader

Fucking cool

Tell me
what am I thinking about you right now?

LOL

Funny you wouldn't recognize your own responses. It is usually those on your side of the political sepctrum who rant and rave about those on welfare and the entitlement.

Sigh
Now you missed it

I got your comments
And again, I agree but, the government here is creating a situation where getting full time jobs, is very hard to do in many areas of the country
Teen unemployment and minority unemployment are sometimes in the 24% range

This is not Bush's fault
This is the fault of the current admin

Obamacare, the war on coal, 100's of thousands of new pages of bureaucratic written regulation is strangling small business. This is killing jobs

But now, since you seem to think you can read minds, what am I thinking about you now?

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[Bignugget 0]

I don't know but I think it's creepy you sit around thinking about him so much.

[rushmc 18]

Bignugget

I don't know but I think it's creepy you sit around thinking about him so much.

Well, I dont
So you fail as a mind reader

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[SkyDekker 1,155]

Quote

I got your comments
And again, I agree but, the government here is creating a situation where getting full time jobs, is very hard to do in many areas of the country
Teen unemployment and minority unemployment are sometimes in the 24% range

This is not Bush's fault
This is the fault of the current admin

Obamacare, the war on coal, 100's of thousands of new pages of bureaucratic written regulation is strangling small business. This is killing jobs

I thought the American way was just to go out and work hard and make it happen and not blame others (which would include the government?)

I thought that those who didn't succeed just didn't work hard enough, that they were simply lazy.

I thought that anybody could be succesful?

If the above is the case, and this lady is 65, should she not have had more than enough time to make a fortune before Obama screwed it all up?

Or, maybe are things not as simple as you guys have led me to believe?

[turtlespeed 212]

This is my plan now.


Plan Type PPO

Office Visit for Primary Doctor $25 Copay

Office Visit for Specialist $25 Copay
Coinsurance 20% after deductible
Annual Deductible Individual: $500
Annual out-of-pocket Limit Individual: $3,500 Includes deductible
Lifetime Maximum Unlimited

Out-of-Network Coverage Yes (Details in plan brochure below)
Out-of-Country Coverage Emergency Care Only. For emergency care only (You must return to ############### service area and access a participating provider for non-emergency care to be covered
Optional Benefits No

Primary Care Physician (PCP) Required No
Specialist Referrals Required No

Periodic Health Exam No Charge; Preventive Care
Periodic OB-GYN Exam No Charge; Preventive Care
Well Baby Care No Charge; Preventive Care

Generic Prescription Drugs $10 Copay
Preferred $30 Copay; Non-preferred $50 Copay
Non-formulary Prescription Drugs $50 Copay
Mail Order for Prescription Drugs Generic: $20 Copay
Brand: Preferred $60 Copay; Non-preferred $100 Copay
Non-Formulary: $100 Copay
Days Supply: 90 days
Separate Prescription Drugs Deductible None

Emergency Room
Emergency Room In-Area and Out-of-Area:In Network Deductible then 20%; Urgent Care In-Area and Out-of-Area: $75 Co-pay
Outpatient Lab/X-Ray $25 Copay
Outpatient Surgery 20% Coinsurance after deductible
Hospitalization 20% Coinsurance after deductible
Maternity Coverage Pre & Postnatal Office Visit Not Covered
Labor & Delivery Hospital Stay Not Covered

Chiropractic Coverage Not Covered
Mental Health Coverage Not Covered
Substance Abuse Coverage Not Covered

Out-of-Network Authorization Required No
Out-of-Network Deductible $1000/$2,000
Out-of-Network Coinsurance 50%
Out-of-Network Out-of-Pocket Limit $7,000/$14,000

Additional Information
A.M. Best Rating
NR-5 as of 07/10/2009

Electronic Signature for Application Available Yes

Will insurance company obtain and pay for medical records? Yes

I have found out that my deductible is going up to the out of network prices and my monthly bill will be going up to 324

How is that affordable?

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[SkyDekker 1,155]

What was your coverage and payment before?

(And why can you not just keep what you have?)

[turtlespeed 212]

SkyDekker

What was your coverage and payment before?

(And why can you not just keep what you have?)

212/mo

Evidently there are a lot of extra costs involved with Obamacare.

Evidently I have to start paying for everyone else's pre-existing conditions.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[Bignugget 0]

turtlespeed

***What was your coverage and payment before?

(And why can you not just keep what you have?)

212/mo

Evidently there are a lot of extra costs involved with Obamacare.

Evidently I have to start paying for everyone else's pre-existing conditions.

Huh?

Call your insurance company and ask them why your policy is changing.

You also avoided the premium question. What was the coverage and premium before, without that, how could anyone make a valid comparison of the two? If your policy is the same and just the premium increased. Yep, that isn't news to anyone....

Mine didn't change. Premium rose $40 a month, I was paying $276/month now its $319

Maybe they know I am not a republican so they aren't screwing me over as badly?

[turtlespeed 212]

Bignugget

******What was your coverage and payment before?

(And why can you not just keep what you have?)

212/mo

Evidently there are a lot of extra costs involved with Obamacare.

Evidently I have to start paying for everyone else's pre-existing conditions.

Huh?

Call your insurance company and ask them why your policy is changing.

You also avoided the premium question. What was the coverage and premium before, without that, how could anyone make a valid comparison of the two?

Mine didn't change.

Maybe they know I am not a republican so they aren't screwing me over as badly?

Because of Obamacare they are dropping all plans they have now -
The info for the least expensive option now:

Bronze 5000 H.S.A. $443.61
Deductible $5,000
No Charge after deductible
$443.61
Plan Type HMO
Metal Level Bronze
Office Visit for Primary Doctor No charge after deductible
Office Visit for Specialist No charge after deductible
Office Visit for Other Practitioner (Nurse, Physician Assistant) No charge after deductible
Annual Deductible Individual: $5,000
Separate Prescription Drugs Deductible None
Coinsurance None
Retail Prescription Drugs Preferred Generic: $0 after deductible
Preferred Brand: 30% Coinsurance after deductible
Non-Preferred Brand: 50% Coinsurance after deductible
Annual Out-of-Pocket Limit Individual: $6,350 Includes deductible
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible Yes (See HSA Administrators)
Out-of-Network Coverage Emergency Care Only
Out-of-Country Coverage Emergency Care Only.
Office Visit
Primary Care Physician Required No
Specialist Referrals Required No
Preventive Care Coverage
Periodic Health Exam No charge
Periodic OB-GYN Exam No charge
Well Baby Care No charge
Emergency and Urgent Care
Emergency Room No charge after deductible
Emergency Ambulance Services No charge after deductible
Urgent Care Facility No charge after deductible
Prescription Drug Coverage
Retail Prescription Drugs Preferred Generic: $0 after deductible
Preferred Brand: 30% Coinsurance after deductible
Non-Preferred Brand: 50% Coinsurance after deductible
Separate Prescription Drugs Deductible None
Mail Order Prescription Drugs Preferred Generic: $0 after deductible
Preferred Brand: 30% Coinsurance after deductible
Non-Preferred Brand: 50% Coinsurance after deductible
Mail Order Supply 90 day supply
Outpatient Coverage
Outpatient Surgery No charge after deductible
Outpatient Lab/X-Ray No charge after deductible
Imaging (CT and PET scans, MRIs) No charge after deductible
Outpatient Mental Health No charge after deductible
Outpatient Substance Abuse No charge after deductible
Outpatient Rehabilitation Services (PT, OT, ST) No charge after deductible
Inpatient Coverage
Hospitalization No charge after deductible
Skilled Nursing Facility No charge after deductible
Inpatient Mental Health No charge after deductible
Inpatient Substance Abuse No charge after deductible
Home Healthcare No charge after deductible
Maternity Coverage
Pre & Postnatal Office Visit No charge after deductible
Labor & Delivery Hospital Stay No charge after deductible
Pediatric Services
Dental Checkup for Children Not covered
Vision Screening for Children No charge
Eye Glasses for Children Not covered
Major Dental Coverage (Pediatric) Not covered
Additional Coverage
Chiropractic Coverage No charge after deductible
Durable Medical Equipment No charge after deductible
Hospice No charge after deductible
Major Dental Coverage (Adult) Not covered
Vision Coverage (Adult) No Charge
Out-of-Network Coverage
Out-of-Network Authorization Required N/A
Out-of-Network Annual Deductible N/A
Out-of-Network Annual Coinsurance N/A
Out-of-Network Annual Out-of-Pocket Limit N/A
Additional Information
A.M. Best Rating NR-5 as of 07/10/2009
Application Fee No
Electronic Signature for Application Available Yes

Not very many changes
None that I wanted.

But hey at least I get to pay double my annual out of pocket with the bonus of more than doubling what I pay per month.

Now THAT is affordability at its best. Don't you agree?

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[turtlespeed 212]

Iago

So your premium is going up 50% and your deductible is going up 200% or 400%?

My monthly payment is going up 209.25%
My deductible is going up 181.43%

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[turtlespeed 212]

Bignugget

******What was your coverage and payment before?

(And why can you not just keep what you have?)

212/mo

Evidently there are a lot of extra costs involved with Obamacare.

Evidently I have to start paying for everyone else's pre-existing conditions.

Huh?

Call your insurance company and ask them why your policy is changing.

You also avoided the premium question. What was the coverage and premium before, without that, how could anyone make a valid comparison of the two? If your policy is the same and just the premium increased. Yep, that isn't news to anyone....

Mine didn't change. Premium rose $40 a month, I was paying $276/month now its $319

Maybe they know I am not a republican so they aren't screwing me over as badly?

. . . and you don't individually pay for your insurance.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun