Perhaps this is whats wrong with the ZeroCare web site ...

[pat-tekker-cat]

Yeah, Cobra was not meant to carry you forever, It is a filler until you can get coverage somewhere else. Either on your own or through other employment. (Some need to make sure there is no lapse, If you were in the middle of some VERY expensive treatment you would think that price is cheap, comparatively).

I would have to pay the Cobra premiums and lump it, it's a lot cheaper than paying for an organ transplant. I have family member with terminal diagnosis, the hospital will want 20k upfront for transplant, I been squirrelling it back, waiting. Even WITH insurance, the ride ain't free.
Look real hard at those out-of-pockets and deductibles, or you'll be paying for coverage and paying for your medical treatments anyway, unless you fall in to the catastrophic category(Dog forbid).

 

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[Dave44]

Dave, I already got a letter from my employer telling me nothing would change, and my company has 350 offices worldwide, with tens of thousands of employees. So no idea what blabber you are referring to. So sorry my real world experiences don't match up to your political perspective...

Yeah,, Okay.

More pointedly. Your Employer is REQUIRED to Estimate the value of your insurance. That is all they have to do,, they change nothing else. Do I need to lead you to the the new employment of 16,000 IRS employees?
Nonetheless I will let you figure that out next year.

 

[Treasure_Hunter]

Dave, I already got a letter from my employer telling me nothing would change, and my company has 350 offices worldwide, with tens of thousands of employees. So no idea what blabber you are referring to. So sorry my real world experiences don't match up to your political perspective...

What about my real world experience, my insurance is up $190 a month since BOcare went into effect?

Company I work for has 14,000 employees and it is a Fortune 500 Company ............

 

[DizzyDigger]

So far, I've been afraid to look and see what premiums they might want
me to pay. Wife and I live on 24k a year, and fortunately were able to get our
mortgage payments low enough before I had to retire that the payments
are actually lower than renting anything even comparable.

Along with diabetes and COPD, I'm fully disabled by a disease that has no cure,
and at this level there's not much they can do to even treat the symptoms. Right
now I pay cash to see my regular doc, and see no specialists as there's nothing they
can really do, anyway.

Come next April I can get Medicare, but seriously doubt if we can even afford
that, and I sure as hell can't afford anything private. Obamacare does not allow
for any reduced benefit cost as apparently we make too much to qualify.

Only way I can afford insurance is it the wife and I found a nice, cozy bridge
we could live under for free. Not gonna happen, and if it came to it I would
find some way, some how to earn money (legally, of course)...at least I could
till it killed me, and then the matter becomes academic. Either way, my bride
ain't sleeping under no bridge..

Want nothing to do with Ocare, and their socialism. I'll pay the fine if forced to,
and in the meantime they can all just bite me!

 

[Chadeaux]

I mean it doesn't apply to me since I already had insurance that meets the minimum requirements. that is in the law.

Also got a letter from BC/BS telling me my coverage and rates would remain unchanged. I think people got all riled up due to all the misinformation being spewed online and on media, but I haven't suffered a single consequence since the ACA took effect.

I sometimes have to sign the checks when my employer is out of town. Our insurer is BC/BS. The last check I signed was DOUBLE the one I signed in January 2013.

Our group coverage doubling is why I will be uninsured on January 1, 2014

 

[jerseyben]

Dizzy, I genuinely hope you and your wife are able to receive the help you need.

Try this link: Subsidy Calculator | The Henry J. Kaiser Family Foundation

See what it might cost you. Never hurts to at least give it a look.

 

[Chadeaux]

So far, I've been afraid to look and see what premiums they might want
me to pay. Wife and I live on 24k a year, and fortunately were able to get our
mortgage payments low enough before I had to retire that the payments
are actually lower than renting anything even comparable.

Along with diabetes and COPD, I'm fully disabled by a disease that has no cure,
and at this level there's not much they can do to even treat the symptoms. Right
now I pay cash to see my regular doc, and see no specialists as there's nothing they
can really do, anyway.

Come next April I can get Medicare, but seriously doubt if we can even afford
that, and I sure as hell can't afford anything private. Obamacare does not allow
for any reduced benefit cost as apparently we make too much to qualify.

Only way I can afford insurance is it the wife and I found a nice, cozy bridge
we could live under for free. Not gonna happen, and if it came to it I would
find some way, some how to earn money (legally, of course)...at least I could
till it killed me, and then the matter becomes academic. Either way, my bride
ain't sleeping under no bridge..

Want nothing to do with Ocare, and their socialism. I'll pay the fine if forced to,
and in the meantime they can all just bite me!

I'm 56, wife 52, daughter 16. My cost on a 28k income is projected to be 14k.

Of course, I can get 12k of tax credits and maybe they'll pay part of my costs ... but even without insurance, no one is denied healthcare based on whether they are insured or not. It may not be the very best care, but it's better than you'll get in most other countries even WITH their "free healthcare".

Hell, it ain't "free healthcare" it's "INSURANCE". There will still be copays and other out of pocket expenses. Those who are poor WILL NOW BE DENIED CARE based on their income.

It's a clear effort to create a permanent underclass of people who have absolutely no hope of advancement.

 

[packerbacker]

The rates only help 1 group, the non-productive, whether they are that way by choice doesn't matter, it's socialism at it's best.

 

[jerseyben]

The rates only help 1 group, the non-productive, whether they are that way by choice doesn't matter, it's socialism at it's best.

Packer, we are all Americans.

If people need help, then they need help. I don't think it is up to me or you to decide who is worthy of obtaining the medical care that they require.

 

[UncleMatt]

What about my real world experience, my insurance is up $190 a month since BOcare went into effect?

Company I work for has 14,000 employees and it is a Fortune 500 Company ............

Sounds like you insurance carrier is the issue. They have a nasty habit of using any excuse they can to raise people's health insurance rates. And it all goes to pad their profit margin.

 

[UncleMatt]

Yeah,, Okay.

More pointedly. Your Employer is REQUIRED to Estimate the value of your insurance. That is all they have to do,, they change nothing else. Do I need to lead you to the the new employment of 16,000 IRS employees?
Nonetheless I will let you figure that out next year.

So Dave, when next year comes, and nothing changes for me with regard to being insured or what I pay for that insurance, what will your response be then?

 

[Treasure_Hunter]

Sounds like you insurance carrier is the issue. They have a nasty habit of using any excuse they can to raise people's health insurance rates. And it all goes to pad their profit margin.

Oh I see that is your excuse, it is the insurance company's fault, so the insurance company sat around and waited till BO came up with a socialist health program so they could hike our rates..... ROFLMBO


Are you sure it isn't Bush's fault too?

 

[Dave44]

So Dave, when next year comes, and nothing changes for me with regard to being insured or what I pay for that insurance, what will your response be then?

As I say. You can let me know if you want. Until then I will let you work on your numbers.

 

[pippinwhitepaws]

for grown men...I hear a lot of whinning...
if the federal site is not working...how come you guys just don't go down to the corner insurance agent an do some business?
I am sure they still sell insurance...the feds did not take away your right to find insurance...

thinks you protest too much

 

[Dave44]

for grown men...I hear a lot of whinning...
if the federal site is not working...how come you guys just don't go down to the corner insurance agent an do some business?
I am sure they still sell insurance...the feds did not take away your right to find insurance...

thinks you protest too much

Seriously? Wow that seems easy when you say it, huh?

 

[Treasure_Hunter]

for grown men...I hear a lot of whinning...
if the federal site is not working...how come you guys just don't go down to the corner insurance agent an do some business?
I am sure they still sell insurance...the feds did not take away your right to find insurance...

thinks you protest too much

Thank you for proving our point, anyone could go down to an insurance agent and buy health care, we did not need BO's socialist health care to begin with, which is going to fail and will do nothing but put the US that trillions further in debt................

ObamaCare Will Now Add To Deficits In First 10 Years

Thu, Jul 11 2013 00:00:00 E 00_WEB
By JOHN MERLINE, INVESTOR'S BUSINESS DAILY
Posted 07/12/2013 08:05 AM ET


In September 2009, President Obama promised the country that "I will not sign a plan that adds one dime to our deficits — either now or in the future."
But it turns out Obama did sign such a plan — in fact, ObamaCare could add upwards of 180 billion dimes to the deficit in its first 10 years, an IBD analysis of various official budget reports found.

According to the Congressional Budget Office's initial forecast made in March 2010, ObamaCare was supposed to cut the deficit a total of $124 billion in its first decade. Democrats seized on this to show Obama had lived up to his promise.
Almost as soon as Obama signed the law, however, his administration started making changes that added costs and cut revenues. The most recent was the one-year delay in the employer mandate.

The result is instead of a $124 billion deficit cut from 2010 to 2019, ObamaCare will likely add about $18 billion in red ink over those same years. And that assumes nothing else changes in the years ahead.

Costly Delays

When the administration announced the employer mandate delay, it said its decision resulted from business complaints about complex reporting requirements.
What it didn't say is it would cost as much as $10 billion in lost revenues, which is how much the CBO expected in fines from companies that didn't provide health benefits to workers that first year.

In addition, experts believe the delay will push more people into the subsidized exchanges, which could add as much as $5.3 billion in taxpayer costs, according to an analysis by the Committee for a Responsible Federal Budget.

Meanwhile, the Obama administration has also been putting off steep cuts to the Medicare Advantage program, which were supposed to help cover ObamaCare costs.
Medicare Advantage lets seniors choose from an array of private health plans, with premiums largely paid by Medicare. About 28% have enrolled in one of these plans.
Obama has been critical of Medicare Advantage, saying it provided "unwarranted subsidies" that "pad their profits but don't improve the care of seniors." And ObamaCare planned to squeeze $136 billion out of it between 2010 and 2019.

But just as these cuts were set to bite, the administration started handing out $8.35 billion in "quality improvement" bonuses to Advantage companies, under the guise of a "demonstration project."

The bonuses eliminated most of the scheduled cuts in 2012, according to the Government Accountability Office, which also challenged the claim that it was a legitimate demonstration project. That led to charges that Obama was just postponing the cuts to avoid upsetting seniors in an election year.


ObamaCare Will Now Add To Deficit In First 10 Years After Key Changes - Investors.com​

 

[onfire]

Matt if you notice the letter might say "No changes for 2014" beyond that you might belong to the king

 

[Chadeaux]

Packer, we are all Americans.

If people need help, then they need help. I don't think it is up to me or you to decide who is worthy of obtaining the medical care that they require.

Not everyone can pay for a private practice physician, however, there are an abundance of clinics where one can get FREE MEDICAL CARE or get medical care at a reduced rate (I used it when I was unemployed and uninsured). NO ONE IS TURNED AWAY. Why? Because FEDERAL LAW would take away all of their Federal Funding if they refused to treat someone just because they had no money.

That is why ER's have the sign that declares no one can be denied treatment based on income.

But I know you don't like me saying that because that mean old Mr. Reagan had that stipulation added to the dispensing of Federal Funds for hospitals and government supported clinics.

Jerseyben: Have you ever been denied medical care on the basis of their income by any publicly funded clinic?

Jerseyben: Have you ever met someone denied medical care on the basis of their income by any publicly funded clinic?

Jerseyben: Have you ever met someone or yourself been denied emergency medical treatment at a hospital that accepted Federal Funds?

If you can answer yes to any one of those three questions, then you or that person, need to find an ambulance chaser. Why? Well, a law suit would shut down those facilities ... who might offer a large settlement in exchange for not suing them.

Now, the lies about the system BEFORE zerocare are just that - LIES. I've been unemployed for long periods of time, and was always able to receive care in line with my finances. Not a witch doctor, but a real doctor.

Go peddle the myths elsewhere. When people need help, we do step up. Now, people WILL BE DENIED COVERAGE IF THEY DON"T HAVE INSURANCE OR THE COPAY THAT WILL GO ALONG WITH IT!!!

 

[jerseyben]

Not everyone can pay for a private practice physician, however, there are an abundance of clinics where one can get FREE MEDICAL CARE or get medical care at a reduced rate (I used it when I was unemployed and uninsured). NO ONE IS TURNED AWAY. Why? Because FEDERAL LAW would take away all of their Federal Funding if they refused to treat someone just because they had no money.

That is why ER's have the sign that declares no one can be denied treatment based on income.

But I know you don't like me saying that because that mean old Mr. Reagan had that stipulation added to the dispensing of Federal Funds for hospitals and government supported clinics.

Jerseyben: Have you ever been denied medical care on the basis of their income by any publicly funded clinic?

Jerseyben: Have you ever met someone denied medical care on the basis of their income by any publicly funded clinic?

Jerseyben: Have you ever met someone or yourself been denied emergency medical treatment at a hospital that accepted Federal Funds?

If you can answer yes to any one of those three questions, then you or that person, need to find an ambulance chaser. Why? Well, a law suit would shut down those facilities ... who might offer a large settlement in exchange for not suing them.

Now, the lies about the system BEFORE zerocare are just that - LIES. I've been unemployed for long periods of time, and was always able to receive care in line with my finances. Not a witch doctor, but a real doctor.

Go peddle the myths elsewhere. When people need help, we do step up. Now, people WILL BE DENIED COVERAGE IF THEY DON"T HAVE INSURANCE OR THE COPAY THAT WILL GO ALONG WITH IT!!!

Who, exactly, is the one peddling myths here?

 

[packerbacker]

Ben, you wrote: "Packer, we are all Americans.
If people need help, then they need help. I don't think it is up to me or you to decide who is worthy of obtaining the medical care that they require."
Just ONE instance. I know a woman that is on welfare. She's also a druggie. She had a kid with a mild cold. Instead of spending $7 on a bottle of cold medicine she took her to the emergency room where she racked up a nice bill for us taxpayers so she could avoid spending any money. I suppose I should be ashamed of myself for finding fault with her actions? These scum suckers on our society are everywhere and if you don't think so, I hope you don't have an allergy to wool. When it costs me money to pay for those that refuse to help themselves, it IS my business!