mrdeltoid

Obama care: Who signed up for it?

77 posts in this topic

After reading posts about Obama care on this board, I get the impression most don't want it repealed. I wonder how many actually signed up for it. And will anybody here actually loose their insurance if it is repealed?

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Posted (edited)

After reading posts about Obama care on this board, I get the impression most don't want it repealed. I wonder how many actually signed up for it. And will anybody here actually loose their insurance if it is repealed?

I signed up for it from the get-go and will possibly lose it if the Republicans repeal it. I am a small business owner and had gone without insurance for a few years before the ACA was enacted because I and my wife have had preexisting conditions. Insurance was not affordable for us then and many companies wouldn't even insure us at all. This is despite the fact that both of us are very healthy now; but once you are labeled, you are always labeled no matter any life changes you make to improve your overall condition.

 

Insurance has gone up for us as well as others during the ACA but it is still much less expensive than it was before the ACA (for us of course) and I like the preventative care the ACA provides that insurance companies didn't use to provide. The funny thing is that preventative care often saves money for the insurance companies. But they mostly are against providing it.

Edited by ncbirdfan

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Posted (edited)

After reading posts about Obama care on this board, I get the impression most don't want it repealed. I wonder how many actually signed up for it. And will anybody here actually loose their insurance if it is repealed?

I had no choice. I'm a self employed consultant. I was with a group and suddenly lost eligibility for the group. I tried to buy insurance on the open market and was rejected because of pre-existing conditions(diabetes). That was before the ACA when insurance companies could refuse coverage. So I went on MHIP which was a Maryland state program under written by CareFirst for those in my predicament. When the ACA became law, the MHIP shut down so I bought the same plan from CareFirst but the price was higher. 

 

If the ACA is repealed without a provision requiring insurance companies to provide coverage regardless of pre existing conditions, I will be unable to get health insurance.

Edited by FatBoy

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Posted (edited)

I had no choice. I'm a self employed consultant. I was with a group and suddenly lost eligibility for the group. I tried to buy insurance on the open market and was rejected because of pre-existing conditions(diabetes). That was before the ACA when insurance companies could refuse coverage. So I went on MHIP which was a Maryland state program under written by CareFirst for those in my predicament. When the ACA became law, the MHIP shut down so I bought the same plan from CareFirst but the price was higher.

 

If the ACA is repealed without a provision requiring insurance companies to provide coverage regardless of pre existing conditions, I will be unable to get health insurance.

I need some clarity.

 

You were denied individual health insurance due to a pre-existing condition but did find coverage, underwritten by the same insurance carrier that denied you coverage, thru the state mhip program (about which I know nothing) and at less cost to you than a post aca plan on the open market.

 

Is that about right?

Edited by Dr Johnny Fever

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My son signed up here in MD, it was a mess from the get-go several months went by before there was actual coverage

then it was mixed up about the children, they were assigned different doctors IN another county, it was more expensive with less coverage and higher deductibles.

 

It took my daughter in law 7 months and over 100 hours on the phone to get it straightened out.

 

All thanks to Obama and his idiot handmaidens from hell Marty and Anthony.

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My son signed up here in MD, it was a mess from the get-go several months went by before there was actual coverage

then it was mixed up about the children, they were assigned different doctors IN another county, it was more expensive with less coverage and higher deductibles.

 

It took my daughter in law 7 months and over 100 hours on the phone to get it straightened out.

 

All thanks to Obama and his idiot handmaidens from hell Marty and Anthony.

Obamacare is an exchange. You pick the insurance company/plan you want. If there was a snafu re network coverage, which is what I assume the doctors in different countries thing is about, that's on the insurance company, not the exchange.

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Obamacare is an exchange. You pick the insurance company/plan you want. If there was a snafu re network coverage, which is what I assume the doctors in different countries thing is about, that's on the insurance company, not the exchange.

Nope, it was Obama dammit. No matter what the facts are.

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Nope, it was Obama dammit. No matter what the facts are.

It's puzzling how many people have no idea what the ACA is and how it works. People seem to think it's insurance.

 

On the plus side I picked Wisconsin to upset Nova so my bracket is looking pretty sweet!

 

Happy Sunday Ken.

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It's puzzling how many people have no idea what the ACA is and how it works. People seem to think it's insurance.

 

On the plus side I picked Wisconsin to upset Nova so my bracket is looking pretty sweet!

 

Happy Sunday Ken.

I had Nova repeating, but I also had Maryland getting past the 1st round. You don't even want to know what my bracket looks like. :D

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i have two siblings on OC and two adult children covered because of the laws requirements

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Obamacare is an exchange. You pick the insurance company/plan you want. If there was a snafu re network coverage, which is what I assume the doctors in different countries thing is about, that's on the insurance company, not the exchange.

 

They don't care about the facts.  It has Obama's name on it so therefore it has to be evil.

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Obamacare is an exchange. You pick the insurance company/plan you want. If there was a snafu re network coverage, which is what I assume the doctors in different countries thing is about, that's on the insurance company, not the exchange.

 

Not having to look at these exchanges, are all Insurance companies listed to choose from or just the ones eligible in that state ..???

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Posted (edited)

They don't care about the facts.  It has Obama's name on it so therefore it has to be evil.

I have been on the exchanges and the majority of the anti-ACA talking points are lies and/or exaggerations. One of those exaggerations is deductibles and how they are applied. I've seen posts in social media where people say they cannot afford to go to the doctor because the deductible is too high and then spout out some huge deductible and huge premium.

 

First of all, my plan has an individual $7,000 deductible (my choice - there are other plans with lower deductibles and some with higher deductibles), but every time anyone in my family visits the doctor's office we pay $10. We do have a $200 deductible for prescriptions, but also pay $10 copay after that, with few exceptions.Specialists are $40 per visit and urgent care is also $40. Of course, if I go in the emergency room or need surgery, etc. that is where the deductible comes in.

 

Before the ACA I could not afford insurance for myself, let alone my family. I have been a small business owner and originally I was on my wife's plan (she was a teacher), then we did COBRA until that ran out. After a short time of having no insurance the ACA was a godsend for us. We have been on it through the exchanges from the get-go (and here in NC we have the federal exchanges). If the Republican plan goes through, we probably will have to go off insurance again and hope we remain healthy.

 

EDIT: Typo

Edited by ncbirdfan

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I have been on the exchanges and the majority of the anti-ACA talking points are lies and/or exaggerations. One of those exaggerations is deductibles and how they are applied. I've seen posts in social media where people say they cannot afford to go to the doctor because the deductible is too high and then spout out some huge deductible and huge premium.

 

First of all, my plan has an individual $7,000 deductible (my choice - there are other plans with lower deductibles and some with higher deductibles), but every time anyone in my family visits the doctor's office we pay $10. We do have a $200 deductible for prescriptions, but also pay $10 copay after that, with few exceptions.Specialists are $40 per visit and urgent care is also $40. Of course, if I go in the emergency room or need surgery, etc. that is where the deductible comes in.

 

Before the ACA I could not afford insurance for myself, let alone my family. I have been a small business owner and originally I was on my wife's plan (she was a teacher), then we did COBRA until that ran out. After a short time of having know insurance the ACA was a godsend for us. We have been on it through the exchanges from the get-go (and here in NC we have the federal exchanges). If the Republican plan goes through, we probably will have to go off insurance again and hope we remain healthy.

 

The ACA doesn't affect me at all since because of my husband's military service we are on Tri-Care Prime and due to age Medicare but I do have friends and family who have used the exchanges.  A couple of my Republican family members have grudgingly admitted that the ACA has been a blessing to them.

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Posted (edited)

I have been on the exchanges and the majority of the anti-ACA talking points are lies and/or exaggerations. One of those exaggerations is deductibles and how they are applied. I've seen posts in social media where people say they cannot afford to go to the doctor because the deductible is too high and then spout out some huge deductible and huge premium.

 

First of all, my plan has an individual $7,000 deductible (my choice - there are other plans with lower deductibles and some with higher deductibles), but every time anyone in my family visits the doctor's office we pay $10. We do have a $200 deductible for prescriptions, but also pay $10 copay after that, with few exceptions.Specialists are $40 per visit and urgent care is also $40. Of course, if I go in the emergency room or need surgery, etc. that is where the deductible comes in.

 

 

What's funny is my CareFirst plan (I'm now with Kaiser) pre ACA had similar costs. Edited by bmore_ken

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I need some clarity.

 

You were denied individual health insurance due to a pre-existing condition but did find coverage, underwritten by the same insurance carrier that denied you coverage, thru the state mhip program (about which I know nothing) and at less cost to you than a post aca plan on the open market.

 

Is that about right?

Not exactly. In order to participate in MHIP, you had to have been denied coverage somewhere else. So I applied for coverage with UHC who denied me as I expected because an insurance broker told me it would happen.

 

So I was on MHIP (Care First) until the ACA went into effect. When ACA went into effect, the MHIP program was shut down by the state. So I just continued with Care First. The rate did go up, but no more than my normal annual increase, about $100 per month. Then came 2017 and my premium went $400 per month.

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Obamacare is an exchange. You pick the insurance company/plan you want. If there was a snafu re network coverage, which is what I assume the doctors in different countries thing is about, that's on the insurance company, not the exchange.

Clearly, you are not in Maryland. If you were, you would be aware of the problems Maryland had under Governor O'Malley when he put his Lt. Governor in charge of establishing the exchange here and the more than a hundred million dollars the failure cost taxpayers of this state.

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Posted (edited)

Clearly, you are not in Maryland. If you were, you would be aware of the problems Maryland had under Governor O'Malley when he put his Lt. Governor in charge of establishing the exchange here and the more than a hundred million dollars the failure cost taxpayers of this state.

That was fixed and maggie is correct

Edited by bmore_ken

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What's funny is my CareFirst plan (I'm now with Kaiser) pre ACA had similar costs.

And that's my point. Here in NC we are down to just one insurance carrier, but I had about 10 different plans to chose.

 

What's also not mentioned in the right-wing talking points are the out-of-pocket caps that are in these plans. Before the ACA, the caps went the other way; the insurance companies would limit how much they would pay - cap it off - so if you had cancer and had enormous bills, we were on out own after those caps were met.

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That was fixed and maggie is correct

The federal plan also had some hiccups at first and it was quite frustrating. The last couple of years it has been virtually flawless for me.

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Posted (edited)

Lack of choice in some markets is largely the result of Republican sabotage.

That's what happened here in NC. We just elected a Democratic governor (but still have a Republican state congress) after many years of Republican absolute rule, so maybe things will change.

Edited by ncbirdfan

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Not exactly. In order to participate in MHIP, you had to have been denied coverage somewhere else. So I applied for coverage with UHC who denied me as I expected because an insurance broker told me it would happen.

 

So I was on MHIP (Care First) until the ACA went into effect. When ACA went into effect, the MHIP program was shut down by the state. So I just continued with Care First. The rate did go up, but no more than my normal annual increase, about $100 per month. Then came 2017 and my premium went $400 per month.

The salient point is that you were able to obtain coverage despite a pre-existing condition.

 

Were there exclusions in your mhip coverage for conditions arising from the pre-existing illness?

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