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Do you know anyone who has received a health insurance cancellation letter?

  1. Yes
  2. No
 
 
 
 
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(81)

GrantMingus

Nov-07-13 9:05 AM

Yes. Me.

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Mtlhed

Nov-07-13 9:22 AM

I haven't seen or heard of any yet, but supposedly companies are able to dodge the bullet by having existing plans renewed now and will be good for one year. But after that year (by next November or so) I'm hearing that there could be an avalanche of companies that now fall fully under the new law and we'll see increased premiums or total drops of plans; similar to what we're seeing in the news with some folks already.

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Mtlhed

Nov-07-13 9:24 AM

So I'm bracing for the possibility next year where my premiums could go up substantially, if nothing gets changed politically between now and then.

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questioner

Nov-07-13 9:37 AM

Yes, I know of some who, like Mtlhed said, got notices saying their current policies didn't meet the standards, but if they renewed early (now) they'd be okay for another year.

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GrantMingus

Nov-07-13 10:13 AM

I got the same thing, but wasn't able to renew the same plan that I had. Higher premium, but it's the same thing--only good for a year then it'll have to change again.

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rentss

Nov-07-13 10:44 AM

If your plans don't meet the standards, then you didn't really have health insurance before. What you had was a small bandaid your company tricked you into thinking was actual insurance.

It's policies like those that cause people to hold charity events because they've gone bankrupt when their kid's cancer treatments aren't covered by the policy.

How could anyone be happy with a policy that doesn't even cover major illnesses and can leave you bankrupt and pleading for money from the community?

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Beaumont

Nov-07-13 11:11 AM

Grant did you pay your bill?

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questioner

Nov-07-13 12:58 PM

Are you two serious???

A co-worker here had a policy that didn't include maternity benefits--they had opted out of it. That was it.

Another had chosen catastrophic insurance. Their choice. (Wouldn't have needed benefits--they were covered for that sort of thing.) But that is all they wanted to have. Shouldn't that be their right?

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rentss

Nov-07-13 1:21 PM

It's not their right to take a bad policy, and then stick everyone else with a huge hospital bill that gets passed on to others with proper insurance, no. Even if they declare bankruptcy, those costs get passed on to others, and all that just so they could save $10 dollars month?

I'm not pleased that there wasn't a public option included in ACA (remember how Obama gave that up when he was trying to get GOP support? funny, because all I hear from the Right is that he wouldn't compromise). But it's better than what we had before. In fact, the ACA is a GOP invention, they just hated the black guy so much that they switched sides when he took their plan.

Also, as of January 1st, people will be held responsible for their insurance. Thus, there won't be a need for those benefits to help out a cancer patient.

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GrantMingus

Nov-07-13 1:40 PM

Hahaha..alright. First of all, Beaumont, I've never missed a bill payment of any sort in my entire life. So there is that.

Now rentss, my employer...aka ME...CHOSE my health insurance plan. It absolutely was a health insurance plan. I'm young and I'm healthy and I don't have kids, so I CONSCIOUSLY DECIDED FOR MYSELF that there was no reason to pay a higher cost for better coverage that I didn't need. I made that decision. ME. Do you get that? I, Grant Mingus, decided that for myself and for my company because it was logical and made sense fiscally. No one tricked me into anything, except the President claiming that I could keep my insurance if I liked it. I now have to pay more and my coverage hasn't increased with the cost one single bit--so if you think I didn't have real health insurance before, I suppose you're arguing that I still don't know even though it's "Obamacare compliant". It's ironic that you start talking about passing the cost onto others..

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GrantMingus

Nov-07-13 1:44 PM

And you have it wrong, it's not that people will now be responsible for their insurance, it's that America can no longer be reasonably considered the land of the free when the government is forcing you to buy something.

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Beaumont

Nov-07-13 1:48 PM

Wow, nerves are very close to the surface, or some have a very thin skin.

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ladybug

Nov-07-13 2:30 PM

Can I cancel my car insurance i'm being forced to buy ?

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Mtlhed

Nov-07-13 2:34 PM

Wow. That's why I say this country is doomed to implode. Only someone who thinks the Federal gov't is God would, after the Feds come up with a whole new standard that's about 5 minutes old, say:

"If your plans don't meet the standards, then you didn't really have health insurance before. What you had was a small bandaid your company tricked you into thinking was actual insurance."

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ladybug

Nov-07-13 2:50 PM

There are some good things being over looked here. 1) Pre-existing conditions 2) Elimanate life time cap 3) part d prescript gap.

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rentss

Nov-07-13 2:54 PM

"about 5 minutes old"? Beyond the absurdity of that, I could tell you after 1 second of finishing reading your policy whether it was actually insurance or something pretending to be such.

As for Grant, basing insurance coverage decisions on being "young, healthy, and no kids" is one of the most ignorant things someone could do. In fact, what you wrote wasn't even coherent, since you would only be looking at single coverage not family plans. Did ACA make you cover non-existant children who are 10 years old and need the flu vaccine?

Typical Ron Paul ignorance. Loudmouthed about everything, educated in little.

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ladybug

Nov-07-13 2:57 PM

Land of the free !

I think of that every time I visit the local club and see all these people collecting wel-fare cks,,food stamps and raising my insurance premiums every yr. because they have none,

My wife works at a hospital and tells me about all these people who run into the emergency room for every cough or sniffle,

Or maybe they just need a pill they don't want to buy over the counter.

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GrantMingus

Nov-07-13 2:59 PM

Hahaha, YES! I was hoping someone would walk into the car insurance thing.

First though, how exactly do I have thin skin Beaumont?

But anyways...ladybug, it's very simple. You aren't forced to drive. Therefore you aren't forced to buy car insurance. Just ***** when logic rules the day doesn't it? Driving is a choice and if you're going to partake in the activity you have certain responsibilities. My health isn't optional.

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GrantMingus

Nov-07-13 3:02 PM

And no, rentss, that was kind of my point--because of the ACA, I'm paying more and getting the same coverage. That's why I said, if you don't think I had real insurance before, then you must think that my now Obamacare compliant insurance isn't real either because it's the same thing. It just costs more.

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GrantMingus

Nov-07-13 3:03 PM

And your "educated in little" comment is hilarious. What are your qualifications? For all anyone here knows you're a monkey who learned how to type...

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GrantMingus

Nov-07-13 3:05 PM

I'd also love an explanation on how my age and relative health are variables that I consider in my health insurance plan out of ignorance?

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questioner

Nov-07-13 3:11 PM

"It's not their right to take a bad policy, and then stick everyone else with a huge hospital bill that gets passed on to others"

So how is it the government's right to force Grant to pay for someone else's coverage? (Which is what they're doing--spreading out the costs among young and healthy to pay for not healthy).

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ladybug

Nov-07-13 3:12 PM

And Grant your not forced to get sick or injured.

But odds are sooner or later you will. And some can be much more devastating than others

No I don't have to drive and i'm not asking someone to cover me if I do.

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ladybug

Nov-07-13 3:16 PM

questioner think about it.

That's how the system works .Everyone pays the old move and the young become the old.

How many young kids have cancer or other diseases ?

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ladybug

Nov-07-13 3:17 PM

I agree there should be a grand father clause,

On the condition if these people end up with a serious illness later they pay for it themselves

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