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Health insurance increases for 2010 ...

SMOKESTACK

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Administrator
Premium
As seen all over the U.S. employers are not eating all the increases now going into effect because of Obama Care. Are our health insurance premiums going to be going up as well as the deductibles ?
 

Franklin

Well-Known Member
As seen all over the U.S. employers are not eating all the increases now going into effect because of Obama Care. Are our health insurance premiums going to be going up as well as the deductibles ?

You mean they haven't the last 15 years? Health Care law has NOTHING to do with it. It's just convenient to blame it on that. Come on....
 

Slackdragon

Well-Known Member
You mean they haven't the last 15 years? Health Care law has NOTHING to do with it. It's just convenient to blame it on that. Come on....
I can remember a time back with AF ... good free health ins .. And good health ins 6 years ago ... We (my family) are going to find out how good it is again .... now.

and oh yes .... back then ..when I called about a question ... I got someone who cared .. and answered my questions ...
 

Ice Rider

Well-Known Member
You mean they haven't the last 15 years? Health Care law has NOTHING to do with it. It's just convenient to blame it on that. Come on....
You are wrong Franklin, insurance companies now have to cover everyones kids till they are 26 years old instead of 18, they also now have to cover pre existing conditions on private insurance policies (they always did on group insurance) this COSTS MORE! they will pass these costs on to US! what do you think? they can cover millions more for the same cost? we tried to tell you guys it would make costs go up but you guys believed Obama...who was right?
 

Franklin

Well-Known Member
You are wrong Franklin, insurance companies now have to cover everyones kids till they are 26 years old instead of 18, they also now have to cover pre existing conditions on private insurance policies (they always did on group insurance) this COSTS MORE! they will pass these costs on to US! what do you think? they can cover millions more for the same cost? we tried to tell you guys it would make costs go up but you guys believed Obama...who was right?

You mean the millions that will now be paying insurance premiums? Which is better? They use the emergency room as their health care, which we pay the tab for if they have no means, or they pay for their own policies? Which is better? A family has a member get sick and they lose everything they own because they have a little money or have the mega giant behemoth insurance companies wrestle with the hospitals to get the cost lowered?

Would you rather pay for everyone's health care where it's not apparent or have people pay for their own?

You seem to think it's horrible that people get what they pay for when they pay for insurance. "Sorry I had melanoma when I was 6 years old. It's come back now that I'm 45." They shouldn't cover it?

Talk about your death panels. Between the republicans and the insurance companies, we'd probably have a a third fewer people here.
 

Ice Rider

Well-Known Member
You mean the millions that will now be paying insurance premiums? Which is better? They use the emergency room as their health care, which we pay the tab for if they have no means, or they pay for their own policies? Which is better? A family has a member get sick and they lose everything they own because they have a little money or have the mega giant behemoth insurance companies wrestle with the hospitals to get the cost lowered?

Would you rather pay for everyone's health care where it's not apparent or have people pay for their own?

You seem to think it's horrible that people get what they pay for when they pay for insurance. "Sorry I had melanoma when I was 6 years old. It's come back now that I'm 45." They shouldn't cover it?

Talk about your death panels. Between the republicans and the insurance companies, we'd probably have a a third fewer people here.

Dont preach to me about illness, I am a leukemia patient (incurable) and NO I do not want Obama telling me what treatment I can get! I have the worlds foremost authority on the type of leukemia that I have because I CAN! I believe everyone that does not have healthcare should get healthcare for serious conditions but I do not want to be forced into Obama care.
 

Ice Rider

Well-Known Member
One thing Obama and all those socialists dont tell you is it was and is AGAINST THE LAW for a group insurance policy like what you get from FedEx, Yellow, Werner, Swift etc..... to turn you down for a pre existing condition even BEFORE OBAMA CARE! the ones affected by insurance companies turning them down were looking for individual policies. There should be a government safety net for these people but why deprive me of my choice of care and doctors? I live in Colorado and my main Doctor is in Maryland! that my friend is the beuty of the American mediical system, I can seek the care I need without aproval from some government hack. How much treatment do you believe Obama would allow me for my disease that is incurable? I my friend am not willing to find out.
 

princess

smh..
I think the cost will stay the same for 2011 but our out of pocket and will go up.

One thing Obama and all those socialists dont tell you is it was and is AGAINST THE LAW for a group insurance policy like what you get from FedEx, Yellow, Werner, Swift etc..... to turn you down for a pre existing condition even BEFORE OBAMA CARE! the ones affected by insurance companies turning them down were looking for individual policies.
There should be a government safety net for these people but why deprive me of my choice of care and doctors? I live in Colorado and my main Doctor is in Maryland! that my friend is the beuty of the American mediical system, I can seek the care I need without aproval from some government hack. How much treatment do you believe Obama would allow me for my disease that is incurable? I my friend am not willing to find out.

I am no Obama fan & do not endorse his plans at all.....BUT.... The information you posted is entirely inaccurate. Rather than try to explain I'll just post a few snippets and the source link.

Obamas plan eliminates all these hurdles.


Source: United States Dept. Of Labor
Frequently Asked Questions about Portability of Health Coverage and HIPAA

What is the Health Insurance Portability and Accountability Act of 1996 (HIPAA)?
HIPAA's is a federal law that:

Limits the ability of a new employer plan to exclude coverage for preexisting conditions;

Provides additional opportunities to enroll in a group health plan if you lose other coverage or experience certain life events;

Prohibits discrimination against employees and their dependent family members based on any health factors they may have, including prior medical conditions, previous claims experience, and genetic information; and

Guarantees that certain individuals will have access to, and can renew, individual health insurance policies.

HIPAA is complemented by state laws that, while similar to HIPAA, may offer more generous protections. You may want to contact your state insurance commissioner's office to ask about the law where you live. A good place to start is the Web site of the National Association of Insurance Commissioners at National Association of Insurance Commissioners (NAIC).

One of the most important protections under HIPAA is that it helps those with preexisting conditions get health coverage. In the past, some employers' group health plans limited, or even denied, coverage if a new employee had such a condition before enrolling in the plan. Under HIPAA, that is not allowed. If the plan generally provides coverage but denies benefits to you because you had a condition before your coverage began, then HIPAA applies.

Under HIPAA, a plan is allowed to look back only 6 months for a condition that was present before the start of coverage in a group health plan. Specifically, the law says that a preexisting condition exclusion can be imposed on a condition only if medical advice, diagnosis, care, or treatment was recommended or received during the 6 months prior to your enrollment date in the plan. As an example, you may have had arthritis for many years before you came to your current job. If you did not have medical advice, diagnosis, care, or treatment – recommended or received – in the 6 months before you enrolled in the plan, then the prior condition cannot be subject to a preexisting condition exclusion. If you did receive medical advice, diagnosis, care, or treatment within the past 6 months, then the plan may impose a preexisting condition exclusion for that condition (arthritis). In addition, HIPAA prohibits plans from applying a preexisting condition exclusion to pregnancy, genetic information, and certain children.

If you have a preexisting condition that can be excluded from your plan coverage, then there is a limit to the preexisting condition exclusion period that can be applied. HIPAA limits the preexisting condition exclusion period for most people to 12 months (18 months if you enroll late), although some plans may have a shorter time period or none at all. In addition, some people with a history of prior health coverage will be able to reduce the exclusion period even further using “creditable coverage.” Remember, a preexisting condition exclusion relates only to benefits for your (and your family’s) preexisting conditions. If you enroll, you will receive coverage for the plan’s other benefits during that time.

Although HIPAA adds protections and makes it easier to switch jobs without fear of losing health coverage for a preexisting condition, the law has limitations. For instance, HIPAA:

Does not require that employers offer health coverage;

Does not guarantee that any conditions you now have (or have had in the past) are covered by your new employer's health plan; and

Does not prohibit an employer from imposing a preexisting condition exclusion period if you have been treated for a condition during the past 6 months.


How do I calculate the length of a preexisting condition exclusion in a new employer’s health plan?
Suppose an employee had coverage for 2 years, followed by a break of 70 days. The employee then resumes coverage for 8 months before moving to a new job, with no time off between jobs. He enrolls in the health plan at the new job as soon as possible.

A preexisting condition exclusion can last 12 months at most, if the person enrolls when first eligible. This employee has 8 months of creditable coverage. His earlier 2 years of health coverage are not creditable because he had a break in coverage that was more than the 63 days allowed under the law. His preexisting condition exclusion will last 4 months after he enrolls in the employer's health plan.
If the same employee had a break in coverage of only 60 days, his story would be different. This would not be a significant break and he could use the earlier 2 years of coverage to completely offset the preexisting condition exclusion period.


--------------------------------------------------------------------------------

How do I avoid a 63-day significant break in health coverage?
There are several ways:

If a spouse has coverage in a health plan that allows family members to join, you may want to enroll. (See the FAQs on Special Enrollment.)

If your last coverage was in a group health plan, you may want to sign up for COBRA continuation coverage. While you (and your family members, if they were also part of your prior plan) will have to pay for this temporary coverage, COBRA can prevent or reduce a break in coverage. (Learn more about COBRA.)

You can buy an individual health insurance policy if you think you would otherwise have a break of 63 days or more.

Some states have high-risk pools for people who cannot otherwise get health benefits. Your state insurance commissioner's office can tell you if such a pool exists where you live.


I had to provide Fedex HR all kinds of info on my pre-existing condition to prove no lapse in coverage so that I did not have to wait 12 months to be covered under my husbands plan when he started 5+ years ago.

Again, I am so not a Obama fan, but lets get the facts straight.
 
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princess

smh..
Actual wording from a Hippa certificate from an Employee sponsored group coverage plan



* IMPORTANT - This certificate provides evidence of your prior health coverage. You may need to furnish this certificate if you become eligible under a group health plan that excludes coverage for certain medical conditions that you have be-fore you enroll. This certificate may need to be provided if medical advice, diagnosis, care or treatment was recommended or received for the condition within the 6-month period prior to your enrollment in the new plan. If you become covered under another group health plan, check with the plan administrator to see if you need to provide this certificate. You may also need this certificate to buy, for yourself or your family, an insurance policy that does not exclude coverage for medical conditions that are present before you enroll.
 

River17

Active Member
Princess :clap:

And what does the
Health Insurance Portability and Accountability Act of 1996 (HIPAA)?
have to do with Obama.
I think back in 1996 Obama was still a community instigator.

:wavey:
 

princess

smh..
Point taken River17.

I still do not like his way of forcing people to have it. And I'm not happy with the Government involvement one bit. That is my opinion and you know what they say about them...
 
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