Covered California - 2014 required health insurance

  • Posted by a hidden member.
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    May 31, 2013 5:59 PM GMT
    Lets start the conversation...those of you who dont have employer paid health insurance or if you do, are you switching? buying your own? the CA plan maybe the example for the country, you can sign up (Obamacare) starting this fall, pre-existing condtions dont matter, or will insurance companies put in "hidden" fees so you dont know your paying more?

    im a little bit concerned


    http://www.coveredca.com/

    http://www.coveredca.com/individuals_and_families.html

    http://www.coveredca.com/PDFs/English/CoveredCA-HealthPlanBenefitsComparisonChart.pdf

    http://www.coveredca.com/PDFs/English/CoveredCA_HealthPlanBenefitsSummary.pdf

    http://finder.healthcare.gov/
  • The_Guruburu

    Posts: 895

    May 31, 2013 6:20 PM GMT
    Sorry: what are you a little concerned about? The potential for hidden fees? I'm finding it hard to parse out what your post is supposed to mean.
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    May 31, 2013 6:59 PM GMT
    The_Guruburu saidSorry: what are you a little concerned about? The potential for hidden fees? I'm finding it hard to parse out what your post is supposed to mean.


    http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/

    http://www.ehealthinsurance.com/

    if anyone has a pre-existing condition, might as well wait for open enrollment in the fall to be covered starting Jan 2014
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    Jun 02, 2013 12:28 AM GMT
    scruffLA said
    The_Guruburu saidSorry: what are you a little concerned about? The potential for hidden fees? I'm finding it hard to parse out what your post is supposed to mean.


    http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/

    http://www.ehealthinsurance.com/

    if anyone has a pre-existing condition, might as well wait for open enrollment in the fall to be covered starting Jan 2014



    I have been writing about this on here for the past week. Did you know that you can no longer enroll in the pre-existing condition insurance pool or whatever it is they call it? See this topic I created about it:

    Rationing For Those With Pre-Existing Conditions Has Begun
    http://www.realjock.com/gayforums/3227619

    See also this topic where I was advised by another RJ member that because our employer will no longer be offering health insurance in 2014 and we now have to by our own through the California exchange (and I WILL have to change my insurance company AND my doctor), he writes "try and get a union organized at your employer!"

    Game Over For Obamacare Saboteurs?
    http://www.realjock.com/gayforums/3214122

    And lastly this topic that is expressing my concern that not only are we now going to have to buy our own insurance, but the prices are twice as high as they were a year ago:

    California Health Insurance Prices To Double
    http://www.realjock.com/gayforums/3226890

    So yeah, I have started to have the conversation. ;-)



  • Posted by a hidden member.
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    Jun 03, 2013 7:02 AM GMT
    chefBH said
    scruffLA said
    The_Guruburu saidSorry: what are you a little concerned about? The potential for hidden fees? I'm finding it hard to parse out what your post is supposed to mean.


    http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/

    http://www.ehealthinsurance.com/

    if anyone has a pre-existing condition, might as well wait for open enrollment in the fall to be covered starting Jan 2014



    I have been writing about this on here for the past week. Did you know that you can no longer enroll in the pre-existing condition insurance pool or whatever it is they call it? See this topic I created about it:

    Rationing For Those With Pre-Existing Conditions Has Begun
    http://www.realjock.com/gayforums/3227619

    See also this topic where I was advised by another RJ member that because our employer will no longer be offering health insurance in 2014 and we now have to by our own through the California exchange (and I WILL have to change my insurance company AND my doctor), he writes "try and get a union organized at your employer!"

    Game Over For Obamacare Saboteurs?
    http://www.realjock.com/gayforums/3214122

    And lastly this topic that is expressing my concern that not only are we now going to have to buy our own insurance, but the prices are twice as high as they were a year ago:

    California Health Insurance Prices To Double
    http://www.realjock.com/gayforums/3226890

    So yeah, I have started to have the conversation. ;-)



    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary

  • Posted by a hidden member.
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    Jun 03, 2013 11:13 AM GMT
    scruffLA said
    chefBH said
    scruffLA said
    The_Guruburu saidSorry: what are you a little concerned about? The potential for hidden fees? I'm finding it hard to parse out what your post is supposed to mean.


    http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/

    http://www.ehealthinsurance.com/

    if anyone has a pre-existing condition, might as well wait for open enrollment in the fall to be covered starting Jan 2014



    I have been writing about this on here for the past week. Did you know that you can no longer enroll in the pre-existing condition insurance pool or whatever it is they call it? See this topic I created about it:

    Rationing For Those With Pre-Existing Conditions Has Begun
    http://www.realjock.com/gayforums/3227619

    See also this topic where I was advised by another RJ member that because our employer will no longer be offering health insurance in 2014 and we now have to by our own through the California exchange (and I WILL have to change my insurance company AND my doctor), he writes "try and get a union organized at your employer!"

    Game Over For Obamacare Saboteurs?
    http://www.realjock.com/gayforums/3214122

    And lastly this topic that is expressing my concern that not only are we now going to have to buy our own insurance, but the prices are twice as high as they were a year ago:

    California Health Insurance Prices To Double
    http://www.realjock.com/gayforums/3226890

    So yeah, I have started to have the conversation. ;-)



    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Er - 30%+ of healthcare in the US goes to administration in things like classification. With Obamacare - what the PBS program doesn't even bother to cite is that it is requiring the implementation of ICD-10 from ICD-9 when ICD-11 is coming out that fixes many of the issues of ICD-10 in 2015. If that's gobbledygook - in practical terms, the number of diagnostic codes is going from 14,000 to over 74,000 - required for reimbursement. Of course, there are those who are trying to convince practitioners that this won't add any more time or complexity to the system.

    The danger in for instance the interview that you've posted above is the emphasis shifts from being what they call a focus on volume and less on value - to just "less" versus "value". There's the implicit suggestion that there should be a limit on spending - which by definition is "rationing" versus what the filmmaker points out is the fact that when patients are given all the information and a true choice on procedures they choose 30-40% less themselves.

    There have been a few studies in recent years that suggest doing fewer things like mammograms, testing - which does more harm than good - even studies that suggest preventative care may not be cheaper. Taking the one size fits all model is a dangerous precedent to take - and it's one that others have found is faltering - it also doesn't bend the cost curve - in fact it's the opposite. Even in California, healthcare insurance is expected to skyrocket (notwithstanding the apples to oranges comparison done last week). At best it will be another system of entitlements and wealth transfer.

    If you really want to look at why costs in healthcare have been going up, you should have a watch of this series of videos from a California based primary care physician (it's heavily researched and cites sources versus the piece on PBS):
    http://truecostofhealthcare.org/

    Also, watch the interview with Dr. Garrison Bliss with Qliance -
    http://chaunceybell.wordpress.com/2008/04/26/concerned-about-healthcare-watch-this/

    Then ask, how will Obamacare either improve medical outcomes or bend the cost curve?
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    Jun 03, 2013 12:38 PM GMT
    Oh and there's this - one of the ways that Obamacare was funded was to cut Medicare by 716 million - and this will impact seniors:

    http://blog.heritage.org/2013/06/03/morning-bell-obamacares-negative-impact-on-seniors/
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    Jun 03, 2013 1:25 PM GMT
    scruffLA said

    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Stop for a sec. How would a documentary made in 2012 be able to show the problem that is happening today where the part of the Affordable Care Act providing insurance to people with people with Pre-Existing Conditions has just started to deny the benefit to anyone not already enrolled?

    Unless the documentary was made by The Amazing Kreskin, I doubt it would have been able to addressed this because it was made in 2012.

    And since I have your attention - and thank you for that - how do you reconcile the fact that I am going to have to change my health insurance plan AND my doctor because of the Affordable Care Act when our president repeatedly assured us that we would have to do neither?

    I see you live in LA also, so you will possibly have to be dealing with the California exchange as well.
  • HottJoe

    Posts: 21366

    Jun 03, 2013 1:33 PM GMT
    chefBH said
    scruffLA said

    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Stop for a sec. How would a documentary made in 2012 be able to show the problem that is happening today where the part of the Affordable Care Act providing insurance to people with people with Pre-Existing Conditions has just started to deny the benefit to anyone not already enrolled?

    Unless the documentary was made by The Amazing Kreskin, I doubt it would have been able to addressed this because it was made in 2012.

    And since I have your attention - and thank you for that - how do you reconcile the fact that I am going to have to change my health insurance plan AND my doctor because of the Affordable Care Act when our president repeatedly assured us that we would have to do neither?

    I see you live in LA also, so you will possibly have to be dealing with the California exchange as well.


    Thanks, SB.
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    Jun 03, 2013 7:13 PM GMT
    Another pending issue with Obamacare:
    http://blog.chron.com/healthzone/2013/06/obamacare-government-faces-challenge-in-enrolling-young-people/

    If the young and healthy do not enroll, the markets will fail.
  • Posted by a hidden member.
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    Jun 03, 2013 7:19 PM GMT
    HottJoe said
    chefBH said
    scruffLA said

    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Stop for a sec. How would a documentary made in 2012 be able to show the problem that is happening today where the part of the Affordable Care Act providing insurance to people with people with Pre-Existing Conditions has just started to deny the benefit to anyone not already enrolled?

    Unless the documentary was made by The Amazing Kreskin, I doubt it would have been able to addressed this because it was made in 2012.

    And since I have your attention - and thank you for that - how do you reconcile the fact that I am going to have to change my health insurance plan AND my doctor because of the Affordable Care Act when our president repeatedly assured us that we would have to do neither?

    I see you live in LA also, so you will possibly have to be dealing with the California exchange as well.


    Thanks, SB.


    I thought SB was a pilot who owned a software company and a year or two ago bragged on here he made his first million. icon_wink.gif
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    Jun 03, 2013 7:23 PM GMT
    meninlove said
    HottJoe said
    chefBH said
    scruffLA said

    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Stop for a sec. How would a documentary made in 2012 be able to show the problem that is happening today where the part of the Affordable Care Act providing insurance to people with people with Pre-Existing Conditions has just started to deny the benefit to anyone not already enrolled?

    Unless the documentary was made by The Amazing Kreskin, I doubt it would have been able to addressed this because it was made in 2012.

    And since I have your attention - and thank you for that - how do you reconcile the fact that I am going to have to change my health insurance plan AND my doctor because of the Affordable Care Act when our president repeatedly assured us that we would have to do neither?

    I see you live in LA also, so you will possibly have to be dealing with the California exchange as well.


    Thanks, SB.


    I thought SB was a pilot who owned a software company and a year or two ago bragged on here he made his first million. icon_wink.gif


    And I thought you were someone who knew something about finance until you told us how you were an assistant manager at a retail branch and you weren't able to do basic math. I thought you knew something about Canadian healthcare until you questioned the fact that it's difficult to get a family physician in Ontario outside Toronto or that it was difficult to find specialists. icon_rolleyes.gif
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    Jun 03, 2013 7:28 PM GMT


    Oh my, an attack right out of the blue from Riddler. Whatever shall I do? icon_lol.gif

    It's OK, little man, go ahead and tear at me with your tiny teeth. I just saw Aristo peel off your veneer in another topic and so expected you to seek me out.

    btw...everything I just stated about SB is in fact true according to him. Just go back and look.

    .....and what you know about me is so startlingly little that those on here who know Bill and I in person get a belly laugh at your attacks. icon_lol.gif
  • Posted by a hidden member.
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    Jun 03, 2013 7:44 PM GMT
    meninlove said

    Oh my, an attack right out of the blue from Riddler. Whatever shall I do? icon_lol.gif

    It's OK, little man, go ahead and tear at me with your tiny teeth. I just saw Aristo peel off your veneer in another topic and so expected you to seek me out.

    btw...everything I just stated about SB is in fact true according to him. Just go back and look.

    .....and what you know about me is so startlingly little that those on here who know Bill and I in person get a belly laugh at your attacks. icon_lol.gif


    Heh - tear the veneer off another topic? Yep - how small and feeble you really are icon_lol.gif (er, on second thought, to clarify, that was metaphorical, since that would not be an accurate physical description)

    I'm glad you're laughing because I certainly am icon_wink.gif
  • Posted by a hidden member.
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    Jun 03, 2013 7:45 PM GMT
    meninlove said

    Oh my, an attack right out of the blue from Riddler. Whatever shall I do? icon_lol.gif

    It's OK, little man, go ahead and tear at me with your tiny teeth. I just saw Aristo peel off your veneer in another topic and so expected you to seek me out.

    btw...everything I just stated about SB is in fact true according to him. Just go back and look.

    .....and what you know about me is so startlingly little that those on here who know Bill and I in person get a belly laugh at your attacks. icon_lol.gif



    "Tiny teeth" hmmmm. Well we know who the racist is.
  • Posted by a hidden member.
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    Jun 03, 2013 7:49 PM GMT
    chefBH said
    meninlove said

    Oh my, an attack right out of the blue from Riddler. Whatever shall I do? icon_lol.gif

    It's OK, little man, go ahead and tear at me with your tiny teeth. I just saw Aristo peel off your veneer in another topic and so expected you to seek me out.

    btw...everything I just stated about SB is in fact true according to him. Just go back and look.

    .....and what you know about me is so startlingly little that those on here who know Bill and I in person get a belly laugh at your attacks. icon_lol.gif



    "Tiny teeth" hmmmm. Well we know who the racist is.


    icon_lol.gif Do explain how tiny teeth is racist. O.o
  • Posted by a hidden member.
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    Jun 03, 2013 7:52 PM GMT
    My insurance I bought sucks - PPO. I pay $240 a month but I went for a yearly physical and still they charged me $180 in fees that they say weren't covered by insurance. Go figure.
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    Jun 03, 2013 8:11 PM GMT
    http://www.forbes.com/sites/theapothecary/2013/06/03/democrats-new-argument-its-a-good-thing-that-obamacare-doubles-individual-health-insurance-premiums/

    It turns out, however, that Krugman was uncritically regurgitating California’s misleading press release. In fact, the average 25 and 40-year-old will pay double under Obamacare what they would need to pay today, based on rates posted at eHealthInsurance.com (NASDAQ:EHTH). More specifically, for the typical 25-year-old male non-smoker, the average Obamacare “bronze” exchange plan in California will cost between 64 and 117 percent more than the cheapest five plans on eHealth. For 40-year-old male non-smokers, it’s between 73 and 146 percent more.

    Democrats now: It’s ok if premiums double for average people

    Ezra Klein of the Washington Post, in response to my article on this topic, checked out the eHealth rates for plans in his hometown of Irvine, California, and compared them to a similar website sponsored by the government at healthcare.gov. He found that the third-cheapest plan there cost only $109 a month, “if they’ll sell it to you for that price.” According to the government, Ezra notes, 14 percent of people who tried to buy that plan—Health Net’s IPF PPO Value 4500—were turned away. Another 12 percent were asked to pay more than $109.

    To Ezra, it’s galling that three-fourths of his compatriots can pay $109 for health insurance, because 12 percent were not eligible for the plan, and another 14 percent had to pay somewhat more. This is why Obamacare is a great achievement, he says, because Health Net will have to serve all comers, regardless of prior health status.

    And I appreciate Ezra’s perspective. I, too, am a supporter of universal coverage, so I understand Ezra’s passion for providing health insurance to the sick. But what we didn’t know last week—and we do now—is how much more the healthy will have to pay for that insurance, under Obamacare. In Orange County, where Irvine is located, the three-fourths of the 25-year-old population that is in good health will have their premiums jacked by 95 percent.
  • Posted by a hidden member.
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    Jun 03, 2013 10:42 PM GMT
    "Survey: Most uninsured may not be covered by Obamacare deadline"

    http://dailycaller.com/2013/06/03/survey-most-uninsured-may-not-be-covered-by-obamacare-deadline/
  • conservativej...

    Posts: 2465

    Jun 03, 2013 10:58 PM GMT
    chefBH said
    scruffLA said

    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Stop for a sec. How would a documentary made in 2012 be able to show the problem that is happening today where the part of the Affordable Care Act providing insurance to people with people with Pre-Existing Conditions has just started to deny the benefit to anyone not already enrolled?

    Unless the documentary was made by The Amazing Kreskin, I doubt it would have been able to addressed this because it was made in 2012.

    And since I have your attention - and thank you for that - how do you reconcile the fact that I am going to have to change my health insurance plan AND my doctor because of the Affordable Care Act when our president repeatedly assured us that we would have to do neither?

    I see you live in LA also, so you will possibly have to be dealing with the California exchange as well.


    They are denying the benefit (enrollment) because they ran through the $5 billion I think it was earl in the process. This was for by-the-way a relatively small number of claimants, some 130,000 I think. I could be wrong on that latter number

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    Jun 04, 2013 3:37 AM GMT
    scruffLA said
    chefBH said
    scruffLA said
    The_Guruburu saidSorry: what are you a little concerned about? The potential for hidden fees? I'm finding it hard to parse out what your post is supposed to mean.


    http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/

    http://www.ehealthinsurance.com/

    if anyone has a pre-existing condition, might as well wait for open enrollment in the fall to be covered starting Jan 2014



    I have been writing about this on here for the past week. Did you know that you can no longer enroll in the pre-existing condition insurance pool or whatever it is they call it? See this topic I created about it:

    Rationing For Those With Pre-Existing Conditions Has Begun
    http://www.realjock.com/gayforums/3227619

    See also this topic where I was advised by another RJ member that because our employer will no longer be offering health insurance in 2014 and we now have to by our own through the California exchange (and I WILL have to change my insurance company AND my doctor), he writes "try and get a union organized at your employer!"

    Game Over For Obamacare Saboteurs?
    http://www.realjock.com/gayforums/3214122

    And lastly this topic that is expressing my concern that not only are we now going to have to buy our own insurance, but the prices are twice as high as they were a year ago:

    California Health Insurance Prices To Double
    http://www.realjock.com/gayforums/3226890

    So yeah, I have started to have the conversation. ;-)



    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary




    the Terri Schiavo case was a good example of healthcare system cost overrun, court system abuse and very very shelfish family members, as depicted in the PBS Money and Medicine, obviously, religion plays some part for some peoples medical care, like refusing medical care on religious grounds, or to the shelfish family members who for some reason are more concerned over their own emotional attachment to their loved one rather than whats really in the best interest of the patient esp at the end of life, pro-life people are shelfish in this respect, for Terri, she spent 15 fucking years on life support, oh yeah, what a good productive life she lead in those years, NOT, shelfish family members and religion kept this poor women "alive" because they just couldnt emotionally let go, everybody goes sometime, life is not forever, im sure 15 years on a life support system cost the healthcare system 100s of millions of dollars, in todays money, prob over a billion, add in court cost....im just saying...death is part of life, please dont let me "live" this way at the end of my life, i will certainly come back to haunt those whos shelfishness interrupted my soul from departing

    http://en.wikipedia.org/wiki/Terri_Schiavo_case

    050324_schiavo_scene_hmed9a.grid-6x2.jpg
  • Posted by a hidden member.
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    Jun 04, 2013 3:55 AM GMT
    chefBH said
    scruffLA said

    im sure some of my post is missing here....

    somebody seems to be anti Obamacare on this forum?, i would recommend the documentary Money and Medicine (2012), please show us where you find healthcare "Rationing" starting other than articles written by conservative republicans? please watch the full 1.5 hrs documentary



    Stop for a sec. How would a documentary made in 2012 be able to show the problem that is happening today where the part of the Affordable Care Act providing insurance to people with people with Pre-Existing Conditions has just started to deny the benefit to anyone not already enrolled?

    Unless the documentary was made by The Amazing Kreskin, I doubt it would have been able to addressed this because it was made in 2012.

    And since I have your attention - and thank you for that - how do you reconcile the fact that I am going to have to change my health insurance plan AND my doctor because of the Affordable Care Act when our president repeatedly assured us that we would have to do neither?

    I see you live in LA also, so you will possibly have to be dealing with the California exchange as well.


    yes, im shopping around for health insurance in LA, open enrollment starts Oct 2013, for a Jan 1 2014 start, i do have some pre-existing conditions (nothing serious only annoying), but doesnt everyone past the age of 30?, did you know treatment for Acne (specialist dermotology) and if you been taking Accutane is known a pre-existing condition?, WTF? , half the male population suffers from severe Acne, its not like cancer or HIV most people think of a pre-existing condition, insurance companies want to know how many trips to the dermotologist you take within a year, if its over 5 times and add in Accutane, you have a pre-existing condition....stupid?
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    Jun 05, 2013 8:12 PM GMT
    I was on a group of panelists talking about business this morning and one of the panelists was the head of the life sciences commercial banking group of one of Canada's big banks but who also deals extensively with US based firms.

    He noted he's never seen anything like this in the US where companies are restructuring and preparing to get rid of people to come under the 50 person threshold and organizing entities and production outside of the US particularly in the case of medical device makers who are about to be taxed to help pay for Obamacare...