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DU Home » Latest Threads » Forums & Groups » Main » General Discussion (Forum) » Just got my ACA premium n...

Thu Nov 13, 2014, 02:23 PM

 

Just got my ACA premium notice for next year

and, I guess it doesn't matter what the Supreme Court does now, because I can't afford the increase.

My premium went from $27.55/month to $101.67/month.

On a fixed income, I simply cannot afford that. My widow benefits from SS are going up 1.7% and ACA is going up like a rocket.

So, I guess I go back to 30 yrs. with a chronic disease and uninsured.

At least I don't have to wait for the Repbulicans to fuck me over. Humana did it for them.

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Reply Just got my ACA premium notice for next year (Original post)
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Response to Glitterati (Original post)

Thu Nov 13, 2014, 02:24 PM

1. Can't you go back to exchanges and purchase a different plan?

 

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Response to JaneyVee (Reply #1)

Thu Nov 13, 2014, 02:57 PM

31. OP doesn't seem to want to respond to that kind of very reasonable question.

 

They ignored you and attacked someone down-thread for it.

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Response to stevenleser (Reply #31)

Thu Nov 13, 2014, 03:04 PM

36. Only one problem with this line of attack

 

the exchange isn't OPEN yet. Been there, done that, failed.

So, there is no response.

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Response to Glitterati (Reply #36)

Thu Nov 13, 2014, 03:16 PM

48. You can check now

Rates are up....

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Response to PasadenaTrudy (Reply #48)

Thu Nov 13, 2014, 03:19 PM

49. Tried. No plan specifics.

 

And I need specifics.

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Response to Glitterati (Reply #49)

Thu Nov 13, 2014, 03:26 PM

62. Bummer... Saturday then I think, the 15th n/t

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Response to Glitterati (Reply #49)

Thu Nov 13, 2014, 06:54 PM

374. exchange plans have to offer coverage for your preexisting conditions

or is the purpose of the OP to try to get us to believe that you will forego health insurance altogether no matter what?

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Response to CreekDog (Reply #374)

Thu Nov 13, 2014, 07:04 PM

382. Please read through this........nowhere does it say they can't increase the premium

 

thus, making my coverage unaffordable.

Another important improvement is that insurance companies canít charge more for people with preexisting conditions and canít put lifetime or annual dollar limits on Essential Health Benefits for most life threatening sickness.

It is also important to know that all Americans have an option to purchase or be provided with health care based off their income and employment. This way, consumers can buy coverage that fits their needs and their budget.

Guaranteed Issue and Guaranteed Renewal

Guaranteed Issue
A health plan cannot deny someone coverage because of a particular illness or condition.
There are no waiting periods for coverage associated with certain pre-existing conditions.
A health plan cannot deny someone coverage because of risk factors like age or gender.

Guaranteed Renewal
This is a requirement that your health insurance issuer must offer to renew your policy as long as you continue to pay premiums.

http://obamacare-guide.org/georgia/obamacare-for-georgia-individuals-with-pre-existing-conditions/?utm_source=Google&utm_medium=CPC&utm_term=pre%2Bexisting%2Bconditions%2Bunder%2Bobamacare&utm_campaign=Georgia&gclid=CL_GqtnX-MECFUQLMgodrw8AHg

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Response to Glitterati (Reply #36)

Thu Nov 13, 2014, 03:23 PM

54. Then the issue, so far, is only with that one insurance company.

 

If when the exchange opens, there are no other affordable options, I will say you have a genuine gripe.

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Response to stevenleser (Reply #54)

Thu Nov 13, 2014, 03:25 PM

58. I didn't ask for your permission

 

I simply posted the facts as I received them today in the mail.

Your attacks are unwarranted and unnecessary.

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Response to Glitterati (Reply #58)

Thu Nov 13, 2014, 03:29 PM

69. I don't need your permission to comment. When you post an OP you are soliciting comments.

 

As someone else noted, in 48 hours you will have all the facts you need to know whether your position is problematic.

This OP of yours is misleading at this point.

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Response to stevenleser (Reply #69)

Thu Nov 13, 2014, 03:33 PM

76. Not one word is misleading

 

NOT ONE WORD.

Facts.

I'm sorry they seem to get in your way.

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Response to Glitterati (Reply #76)

Thu Nov 13, 2014, 03:38 PM

81. It's completely misleading.And by your own admission you don't know the facts of your situation yet.

 

You are demanding we all say "Poor you, ACA is horrible" before you know the facts of your situation.

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Response to stevenleser (Reply #81)

Thu Nov 13, 2014, 03:40 PM

84. I'm so sorry the FACTS got in your way

 

of Obama Cheerleading.

Continue on.

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Response to Glitterati (Reply #84)

Thu Nov 13, 2014, 04:01 PM

107. Facts. You keep using that word. I don't think it means what you think it means.

 

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Response to stevenleser (Reply #107)

Thu Nov 13, 2014, 04:04 PM

112. YES, FACTS.

 

In my hand.

In the form of a letter.

From Humana.

As stated in my OP.

Sorry they are so troublesome for you.

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Response to Glitterati (Reply #112)

Thu Nov 13, 2014, 04:05 PM

115. Nope, you dont know the facts of your situation. nt

 

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Response to stevenleser (Reply #115)

Thu Nov 13, 2014, 04:05 PM

117. I most certainly do. In. Writing.

 

see how simple that is?

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Response to Glitterati (Reply #117)

Thu Nov 13, 2014, 04:07 PM

121. No, by your own admission the exchange isn't open yet. Thus. you don't know the facts of your

 

situation.

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Response to stevenleser (Reply #121)

Thu Nov 13, 2014, 04:08 PM

126. I most certainly do. In. Writing.

 

delivered right to my door by the USPS this morning.

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Response to Glitterati (Reply #126)

Thu Nov 13, 2014, 04:15 PM

137. so you should piss n' moan about the letter in your hand

 

and pretend you have no other possible options to your situation. Talk about misleading....

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Response to Sheepshank (Reply #137)

Thu Nov 13, 2014, 04:17 PM

139. Oh for GAWD'S sake

 

I stupidly, very stupidly, thought DUers might be interested in what might be coming their way as people received these letters.

Pardon me for being stupid.

It's not a mistake I will make again. I promise.

Forgiven? </sarcasm>

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Response to Glitterati (Reply #139)

Thu Nov 13, 2014, 04:22 PM

142. Yes...there is interest in what Humana is doing

 

....but how about clearing it up that it isn't ACA going up and 2ndly that you are looking to see what other plans will be offered in less than 48 hours.

I never said you were stupid. I think you have an agenda this is simply misleading and isn't quite working out today as planned.

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Response to Sheepshank (Reply #142)

Thu Nov 13, 2014, 04:25 PM

146. Oh, you're sooooooooooo kind and understanding!

 

Go, Obama! Hooray, Obama. Bow down to the great and mighty Obama!

There! Is that better?

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Response to Glitterati (Reply #146)

Thu Nov 13, 2014, 04:30 PM

149. Were you insured before the ACA? I'm just curious if

 

you are one of people the ACA was supposed to help.

And I am very sorry for your situation.

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Response to KMOD (Reply #149)

Thu Nov 13, 2014, 04:39 PM

156. No, I was uninsured for 30 years

 

so, yeah, I was one of "those."


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Response to Glitterati (Reply #156)

Thu Nov 13, 2014, 05:08 PM

202. you just don't understand.

 

insurance companies have needs too.

and theirs are clearly more important.

can't understand why you insist on being so selfish. you say you have a chronic illness. you say you need to see a doctor. well humana needs to turn a profit.

zomg quit whining.

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Response to redruddyred (Reply #202)

Thu Nov 13, 2014, 05:10 PM

204. I know. Please

 

forgive my momentary lapse into sheer panic when I opened this letter.


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Response to Glitterati (Reply #204)

Thu Nov 13, 2014, 05:11 PM

209. not sure why you think you deserve to eat or anything.

 

the entitlement of these entitled moochers-and-looters! I tell you! next you'll be asking for affordable higher education!!1

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Response to redruddyred (Reply #209)

Thu Nov 13, 2014, 05:16 PM

220. I know! So entirely STUPID of me, right?

 

bwahahahahahahahaha

Thanks for the laugh.

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Response to redruddyred (Reply #209)

Sat Nov 15, 2014, 10:22 PM

659. Why not? So what do you suggest she/ he

Do? Die? Op is clearly telling you she can't afford it. It's not like she has all this money and don't want to pay her/his part.

Humana is the evil in the picture. Profits for them are at 800%?high at the expense of people like the OP.

Are you suggesting you are just like eveybrepbulblucan that don't care about theOP financial situation.?

This is why we needed public option. Insurance for all

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Response to Glitterati (Reply #204)

Thu Nov 13, 2014, 05:44 PM

268. aaaannnd what state are you in?

 

You left that important information out too!

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Response to VanillaRhapsody (Reply #268)

Thu Nov 13, 2014, 05:45 PM

271. aaaaaaaaaaaand like you give a flip?

 

Really? You expect me to think you care?

Really?

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Response to Glitterati (Reply #271)

Thu Nov 13, 2014, 05:46 PM

273. aaaaaand not surprising you don't want to reveal that!

 

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Response to VanillaRhapsody (Reply #273)

Thu Nov 13, 2014, 05:52 PM

291. Once again, to YOU

 

As I find your behavior threatening.

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Response to Glitterati (Reply #291)

Thu Nov 13, 2014, 05:54 PM

298. Your paper is false!

 

I saw it right away...the Amount you pay if you DON'T get any assistance is $107.....

we have no idea what your assitance level is...

I WAS on Obamacare last year on Unemployment...I paid $61 a month for Blue Cross...


You are not being honest. Period.

You are trying to take advantage of the fact that most here have NOT been on financial assistance for Health insurance through Obamacares....

I on the other hand HAVE!

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Response to VanillaRhapsody (Reply #298)

Thu Nov 13, 2014, 07:19 PM

396. The unsubsidized premium is the amount above that is $577.67, the box below clearly states that it

is WITH THE CREDIT.

You need to simmer down and apologize. You definitely need to stop accusing people of lying when you are off on a tangent and can't be bothered to read what the poster put right in front of you. You are blustering and bullying and in the end doing EXACTLY what you are accusing the poster of which is not being honest.

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Response to TheKentuckian (Reply #396)

Thu Nov 13, 2014, 07:21 PM

398. No I don't I HAVE been on this...she HASN'T applied for subsidy yet...AND

 

is this Gold or Platinum level?

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Response to VanillaRhapsody (Reply #398)

Fri Nov 14, 2014, 07:52 AM

576. You being on an exchange plan nor levels changes the poster's premium in 2015 nor their 2014 credit

Do they need to do their application for 2015? Absolutely, the letter says that. They may more or less tread water, they may get a further discount, or they may get a smaller subsidy and they will pay more than the $101.xx but that is not the unsubsidized premium as you have insisted but rather the $577 or whatever you have ignored so you can bully.

As they have had a tiny increase in income on the books, the most likely thing is they will see an increase. I suspect it will be much smaller than it appears now but we don't exactly know.
Your zeal and fiery nastiness toward this person makes me think that what you are actually doing is a preemptive effort to make folks as uncomfortable as possible discussing increases and affordability at all.

I don't think there is any excuse for your vile behavior and the very last thing I'm detecting is any semblance of compassion or a genuine desire to make things better for people that need help. This is a sick person on a fixed income and all you have done is fire out invective and make nasty accusations while seemingly to me failed to process what is clearly stated in black and white going so far to say that the $101 is their unsubsidized cost, when any basic knowledge of premium costs would tell you that nobody in their 60's is getting an ACA compliant policy for anything like 1,200 bucks a year without some serious credits applied.

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Response to Glitterati (Reply #204)

Fri Nov 14, 2014, 02:11 AM

563. Pardon me, this is a very long thread and I've only read this far so far

But you missed one very important fact. The letter above, for 2015, adds this very very important note: "This is based on your 2014 APTC amount...". This little fact makes a big difference to your final premium. IT WILL NOT BE $101.67 per month (unless your income has changed). The Advanced Premium Tax Credit is based on the maximum percent of your income that will be required to buy a Silver plan in your area. If the plan above is a Silver plan and your income is unchanged, then the APTC for 2015 will be higher than it was for the same plan in 2014. You will pay no higher percentage of your income for the same policy. Uncle Sam will pay the difference. You'll learn this after the exchange opens.

It would have been beneficial if Humana included in their note that your 2015 APTC may be higher or lower than it was in 2014 based on changes to your income and their premium. All else being the same, your share will stay the same and Uncle Sam pays the difference. Really!

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Response to davekriss (Reply #563)

Fri Nov 14, 2014, 02:19 AM

564. Thank you.

 

I hope you're right. I'll know when the exchange opens next week for sure.

My income will change exactly 1.7% per month next year, thanks to the COLA increase in Social Security.

That will be the only change on this policy.

I really, truly hope you are right. GAWD, I hope you're right.

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Response to Glitterati (Reply #204)

Fri Nov 14, 2014, 02:33 AM

565. You seem to be misunderstanding the form, which is somewhat misleading.

The 101.67 assumes you ONLY receive the same dollar amount of subsidies that you did last year - so it added the entire difference between last year's premium and this year's to your current share ($27.55).

More likely, once you recalculate your subsidies using the new premiums, you will pay around the same portion of this year's premium as you did of last year's - and it will end up being around $32/month.

Wait until the exchanges are open - or go here: EasyPrice/Humana.com and plug in your numbers.

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Response to redruddyred (Reply #202)

Thu Nov 13, 2014, 07:36 PM

418. The real entitled Takers point of view exactly. Self and money are paramount, sickly justifiable.

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Response to Glitterati (Reply #156)

Thu Nov 13, 2014, 07:03 PM

380. What did you find out when you went to the website?

If they are applying the 2014 APTC to your 2015 premium you may be getting a final quote that is way off. Did they give you your 2015 APTC amount when you went to the Human.com/learnmore website?

Just wondering. Hope you get some more help since the rate is up.

I went ahead and got a different Medicare D drug plan as the rates went up about 30% (not 300% like yours) for each of two years and I was able to get a rate equal to my original plan for 2015. That is to say, that is the same as no increase in rate over two years.

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Response to Glitterati (Reply #146)

Thu Nov 13, 2014, 04:49 PM

167. You are a prime example

of a very stubborn and ALWAYS right person. You presented your case, you were advised by others that in 48 hours you would have the opportunity to obtain more information from other insurers. Yet, you persisted. The you had to make a sarcastic remark about the president. FYI It is NOT "Obama Care" it is is the PPACA.

In general your behavior has been very childish, almost like a two year old having a tantrum.

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Response to homegirl (Reply #167)

Thu Nov 13, 2014, 04:50 PM

169. Awww, poor mistreated Obama

 

Go, Obama. Hooray, Obama. Bow down to the almighty Obama.

Better?

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Response to Glitterati (Reply #169)

Sat Nov 15, 2014, 04:06 AM

651. Is this what your post is about

Obama bashing?

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Response to Glitterati (Reply #146)


Response to Sheepshank (Reply #142)

Thu Nov 13, 2014, 05:37 PM

249. Actually, the people with the agendas are QUITE obvious

And it ain't Glitterati

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Response to LondonReign2 (Reply #249)

Thu Nov 13, 2014, 06:59 PM

378. actually it is

you know why? because every person he's accused of "Obama cheerleading" had not said the name of the president, nor referred to him.

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Response to Glitterati (Reply #139)

Thu Nov 13, 2014, 04:45 PM

162. Don't be so surprised.

I got the same response last year when I posted about going to an ACA sign-up event and coming away with nothing. I still have a few people on ignore over that crap. You won't hear any Obamacare cheerleading from me.

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Response to Brigid (Reply #162)

Thu Nov 13, 2014, 05:45 PM

272. what state?

 

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Response to VanillaRhapsody (Reply #272)

Thu Nov 13, 2014, 05:47 PM

281. I have no intention of revealing private information to YOU

 

YOU specifically.

Given your behavior on this forum, I would NEVER give YOU identifying information.

I consider your public behavior on DU to be dangerous to anyone who dares to disagree with you.

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Response to Glitterati (Reply #281)

Thu Nov 13, 2014, 05:49 PM

286. I KNEW this was an attempted Obama bashing....

 

you all are soooo transparent.

Your state doesn't identify you!


You are being disingenuous....

why do I suddenly smell Rightwinger in this room?

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Response to VanillaRhapsody (Reply #286)

Thu Nov 13, 2014, 05:51 PM

289. ROFL, EVERYTHING to you is Obama bashing.

 

That, my dear, is your first problem.

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Response to Glitterati (Reply #289)

Thu Nov 13, 2014, 05:56 PM

300. NO but this is....

 

Like I said....you are not being honest...the $107 is BEFORE your Federal assistance...

I HAVE been down that road....and would do it again glady....

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Response to VanillaRhapsody (Reply #300)

Thu Nov 13, 2014, 07:53 PM

441. I can't even get my head around a $27 health insurance premium.

My insurance premium for a traditional family coverage plan from Blue Cross Blue Shield (BCBS), with a prescription drug plan plus vision and dental is $1,150 per month. Office visits are a $30 copay. Emergency room is a $250 copay. Other procedures are 80/20 (insurance pays 80%, I pay 20%). Annual deductible is $3,000 per family member. Maximum yearly out of pocket is $5,000.

I've had essentially the same BCBS plan for about 15 years. The premiums have increased on average about 6% per year, every year, and the deductibles and out of pocket maximum have crept up steadily over the years as well. 15 years ago my premium was $480 per month.

The premium increases since the full implementation of the Affordable Care Act (ACA) have been smaller than the past average. There is more competition, and more providers and plans available now through the ACA marketplace. My existing plan is grandfathered and BCBS is still supporting it. But I'll probably get a new plan through the marketplace soon. There are plans available now that are as good or better at a lower price.

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Response to cheapdate (Reply #441)

Fri Nov 14, 2014, 01:35 PM

599. Preach it

To be honest, we have good insurance through my husband's work, but we pay $600 per month, and his company pays about $1200 additionally for healthcare. It ain't cheap!

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Response to Glitterati (Reply #139)

Thu Nov 13, 2014, 05:42 PM

261. but that is the point....ITS not coming their way...

 

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Response to VanillaRhapsody (Reply #261)

Thu Nov 13, 2014, 05:43 PM

266. Really? So Humana singled me out, I guess?

 


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Response to Glitterati (Reply #266)

Thu Nov 13, 2014, 05:52 PM

293. you paid this much IF you received any financial assistance

 

how do we know you did?

Oh and notice it says BEFORE receiving assistance....

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Response to stevenleser (Reply #121)

Thu Nov 13, 2014, 05:45 PM

270. Take a close look at the letter

 


The current premium includes the subsidy.

The future premium does not include the subsidy.

He's not even reading the letter correctly.

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Response to jberryhill (Reply #270)

Thu Nov 13, 2014, 05:46 PM

274. It's a SHE and it most certainly DOES include the subsidy!

 

Read it again. And, take your own advice and read it carefully.

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Response to Glitterati (Reply #274)

Thu Nov 13, 2014, 05:53 PM

295. So, you went to the link noted in the letter and updated the APTC data?

 


Yes or no?

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Response to jberryhill (Reply #295)

Thu Nov 13, 2014, 09:16 PM

497. Went, yes

 

Dead link, yes.

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Response to Glitterati (Reply #274)

Thu Nov 13, 2014, 05:57 PM

302. No it doesn't.....as I said...I HAVE gotten that assistance...

 

this is hogwash!

Humana has NO control over what assistance you get.

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Response to VanillaRhapsody (Reply #302)


Response to Post removed (Reply #318)

Thu Nov 13, 2014, 06:03 PM

321. Yes they are.....

 

This one wanted to play on the fact that most here would not have had Obamacare subsidies....

I HAVE....

I got the same policy I had through work......at Blue Cross...it went from $400 to the subsidized $61 a month...

This one is full of bull!

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Response to VanillaRhapsody (Reply #302)

Thu Nov 13, 2014, 07:25 PM

405. The 2015 amount before assistance is

$577.67. The amount of $101.00 is based on the 2014 assistance amount.

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Response to ohheckyeah (Reply #405)

Thu Nov 13, 2014, 07:27 PM

408. and what is her subsidy...what state is she in....has she applied for the subsidy for this year yet

 

obviously NOT...

THAT is what I am talking about. Humana doesn't know that if it comes off the Exchange.

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Response to VanillaRhapsody (Reply #408)

Thu Nov 13, 2014, 07:48 PM

434. They based the subsidy off the 2014 subsidy.

If subsidies don't go up she's screwed and so am I. The plans being offered have much higher deductibles and out-of-pocket than the one I have that will no longer be offered.

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Response to VanillaRhapsody (Reply #408)

Thu Nov 13, 2014, 11:42 PM

517. The subsidy is based on the premium of the second cheapest Silver plan

So yeah, Humana doesn't know what her subsidy will be this year, and she could end up paying a lot more than the $101.97. What's of interest is the premium increase itself, to be honest.

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Response to Glitterati (Reply #274)

Thu Nov 13, 2014, 06:00 PM

313. I have read it...and have read one of my own.....

 

you are NOT being truthful...

This is Obama Bashing 101...you are not even good at it. I figured you out in 30 seconds...

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Response to Glitterati (Reply #274)

Fri Nov 14, 2014, 02:41 AM

566. No. It is calulated by taking what you currently pay

And adding the difference between the plans.

Your share of last year's premium: $27.55 + (New Premium: $577.67 - Old Premium: 503.55) = $101.67.

You will not responsible for paying the entire increase in premium, unless your income has dramatically changed and lowered your subsidy.

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Response to jberryhill (Reply #270)

Thu Nov 13, 2014, 07:26 PM

407. Yes, it does and clearly states it. The unsubsidized premium is the $577.67, the box below is the

premium AFTER the credit is applied. It is right there in black and white and common sense should also weigh in and tell you that nobody has an unsubsidized premium that low.

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Response to TheKentuckian (Reply #407)

Thu Nov 13, 2014, 08:22 PM

467. It's an invalid calculation

 


And I would bet that Humana is deliberately trying to scare away people their algorithm tells them is high risk.

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Response to jberryhill (Reply #467)

Fri Nov 14, 2014, 06:39 AM

573. Are you debating the arithmetic, the 2015 rate or the 2014 credit amount? If it is none of those

then you are not even discussing the letter because everything that can be known is.

The final piece is the 2015 subsidy. I suspect but cannot be certain they will see a smaller increase like under $10 but it could be a bigger bite than 2014 would indicate or hopefully she will be blessed and catch a break. Nobody knows, including Humana because the OP has to see what happens exactly but that isn't being misleading.

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Response to TheKentuckian (Reply #573)

Fri Nov 14, 2014, 11:20 AM

587. Yes, it is misleading

 


You are wrong four ways, because 2+2=4. Do you deny that 2+2=4? No, you cannot dispute my math. Since my math is correct, then you must be wrong.

That's what's going on here.

The letter is clearly intended to make it appear as if the 2015 premium to be paid by the insured will be over $100.

I deal in an area of law where consumer impressions of what may or may not be deemed "misleading" does not assume that people read things particularly carefully. When you are composing a document to be read by consumers in general, the standard is not what a careful, intelligent analysis of your communication would show. You have to take into account that half the population is below average intelligence - that is also an indisputable fact of mathematics.

There is something very fishy in Humana sending this out days before the actual figures will be known.

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Response to Glitterati (Reply #112)

Thu Nov 13, 2014, 05:46 PM

275. Then try reading the letter in your hand

 


The two numbers you are comparing are not the same thing.

The letter itself is somewhat misleading because it is comparing a SUBSIDIZED premium to a NON-SUBSIDIZED premium.

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Response to jberryhill (Reply #275)

Thu Nov 13, 2014, 07:38 PM

421. The unsubsidized premium is almost $600. Where the poster is off (though much closer than you) is

their new premium is based off their 2014 subsidy. This could be different this year and would impact the premium. Would it be more or less, we don't know (including the OP) but the unsubsidized hit is the $577.xx amount not what you are trying to paint, that amount is heavily subsidized as common sense should tell you because virtually no one would have an unsubsidized annual cost of 1,200 bucks.

You both had comprehension errors but you are WAY OFF. The OP is significantly closer to factual here.

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Response to TheKentuckian (Reply #421)

Thu Nov 13, 2014, 08:17 PM

463. no, that is incorrect

 

Because one of the factors that went IN to the 2014 figure is the premiums in that market.

This letter was timed to be misleading.

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Response to jberryhill (Reply #463)

Thu Nov 13, 2014, 11:18 PM

513. I'm not trying to be a dick but I don't get how that changes the facts of the costs.

I find it unlikely that I am mislead in any way other than by bad data, which is beyond my control. If you dispute the data then take it up with Humana there is nothing to beat this poster up for.

You are pretty naive about the industry if you don't think they don't know their rates, they don't disseminate them though shit slips, a lot of people have to deal with it. There is not going to be some magic in a couple of days other then that is when the poor consumer will know and what their piece out of pocket will be.

I further have no idea what is even being disputed. The poster stated what they paid last year which matched the letter. The letter also provides the amount of last year's unsubsidized cost. Next, it gives this year's unsubsidized amount along with the estimated cost of the policy based on the 2014 credit.

Which part are you claiming isn't true and on what basis?

The the OP needs to get their 2015 and see what how it shakes out then. They may tread water, it could possible be even more affordable, and it is possible that the estimate is too optimistic as the poster did get a meager increase. This is the known (and pretty clearly so for an insurance document) unknown.

Other than that, unless there is some yet to be unearthed information missing this is damn near approaching moon bombing territory but with a hell of a mean streak running through it.

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Response to TheKentuckian (Reply #513)

Fri Nov 14, 2014, 01:05 AM

534. okay, let's put it this way

 

I pull out five dollars from my left pocket and give it to you. Now, how much money will you have if I give you what is in my righat pocket?

Well, based on what was in my left pocket, there ought to be five dollars in my right pocket? Right?

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Response to jberryhill (Reply #534)

Fri Nov 14, 2014, 07:31 AM

574. No, that does not follow logically. Are you debating the 2015 premium, the 2014 credit, or the math?

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Response to TheKentuckian (Reply #574)

Fri Nov 14, 2014, 11:21 AM

589. The 2015 premium as stated in the letter

 

...is based on an invalid method.

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Response to jberryhill (Reply #589)

Fri Nov 14, 2014, 07:17 PM

638. Those rates are already loaded, Humana knows what they are charging.

However, if you have some reason to believe such then your argument is with Humana not the poster.

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Response to TheKentuckian (Reply #421)

Thu Nov 13, 2014, 08:20 PM

465. That's what I got out of it...

and the new premium could be lower, although not as low as last year's.

(I'm not sure I can wade through the rest of this thread.)

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Response to Glitterati (Reply #112)

Thu Nov 13, 2014, 05:47 PM

277. You're not alone. Unfortunately I know several people in your situation.

 

I know you can blame the insurance companies, or blame congress, or blame the president, but I know rates of my neighbors didnt go up in prior years like they did this year.
I havent gotten my companies package yet, so i cant offer my own experience yet.
Good luck to you

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Response to 7962 (Reply #277)

Thu Nov 13, 2014, 05:49 PM

284. Thank you.

 

And, frankly, I didn't "blame" anyone but Humana.

It was the Obama Defenders who jumped to the Obama conclusion.

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Response to Glitterati (Reply #284)

Thu Nov 13, 2014, 05:50 PM

288. Sorry, when i said "you" I meant people in general that have the same problem.:)

 

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Response to 7962 (Reply #288)

Thu Nov 13, 2014, 06:00 PM

316. only those in states that elected NOT to expand Medicaid.

 

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Response to VanillaRhapsody (Reply #316)

Thu Nov 13, 2014, 08:10 PM

459. Would that include Georgia? n/t

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Response to Glitterati (Reply #284)

Fri Nov 14, 2014, 01:36 AM

550. If Obama claimed

 

that the Earth was flat, there are few around here that would take up talking points to prove it. "He's playing multidimensional chess - the earth is flat where I am and where he is, so he's absolutely right!!1!"

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Response to 7962 (Reply #277)

Thu Nov 13, 2014, 05:58 PM

306. NO this is bullshit....I HAVE been on Obamacares...and THIS paper DOESN'T disclose her

 

subsidy....

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Response to stevenleser (Reply #107)

Thu Nov 13, 2014, 08:21 PM

466. Her premiums, under this law, go up 370% and you're attacking her?

 

Is there something about "widow benefits" that you don't get? WTF is wrong with you?

So, every year she is to scramble around and hop from insurance company to insurance company and maybe, maybe find a plan that doesn't cost 400% more than the previous year?

She is stating the facts of this law as it applies to her, regardless of whether she can find a plan for next year that is less than double what she just paid.

The elephant in the room is the insurance compianies milking the ACA for all they can while people are trying to duck the pendulum as they raise the rates.

That's bad enough without having someone riding the elephant throwing peanuts at us while we hop.



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Response to rug (Reply #466)

Fri Nov 14, 2014, 02:48 AM

567. Not correct.

The unsubsidized premiums went up $74.12.

All Humana did is add that $74.12 increase to the $ amount of the premium she was required to pay last year. As long as she sticks with a Silver Plan, her share of the premium payment will be capped by her income - and unless that has gone up dramatically, her share of the new premium will not quadruple.

Humana's statement is misleading - but not indecipherable if you read carefully, understand the law, and get a calculator out.

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Response to Ms. Toad (Reply #567)

Fri Nov 14, 2014, 02:15 PM

605. "The unsubsidized premiums went up $74.12."

 

From $27.55 a month.

This thread reminds me of counting white blood cells and ignoring the person on the bed dying from cancer.

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Response to rug (Reply #605)

Fri Nov 14, 2014, 04:09 PM

635. You are comparing apples to oranges.

$27.55 is the subsidized premium. Assuming her income did not change significantly, her subsidized premium for next year will be roughly the same.

the $74.12 change is to the unsubsidized premium - which has little relationship to what she has to pay.

Simplified example:

Essentialy you are entitled to coverage, capped at a certain percentage of your income. Without going back to look at the real caps, say it is 8%, and your monthly income is $344.38. Your premium would be $27.55/month.

Next year your income goes up 2% to $351.27 - that would make your new premium $28.10.

So even though Humana's premiums went up $74.12/month, her share would only go up $.55/month

The entire calculation is a bit more complex - but that is the 10,00 foot view of how the subsidies work.

So instead of estimating that her new subsidized premium would be $28.10 (or whatever the equivalent subsidized premium would be - and there are numerous calculators out there to determine it), Humana just tacked the unsubsidized change onto last year's subsidized premium, creating a number that is (1) totally meaningless and (2) unnecessarily confusing and scary.

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Response to Glitterati (Reply #84)

Thu Nov 13, 2014, 06:56 PM

376. Steve didn't say "Obama" once

nor was there any cheerleading.

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Response to Glitterati (Reply #84)

Thu Nov 13, 2014, 07:37 PM

419. A. is ACA $100 a month better than non ACA at $500 a month?

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Response to randys1 (Reply #419)

Thu Nov 13, 2014, 08:31 PM

474. Not if you can't afford either one

 

That seems to be what some are missing here.

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Response to Aerows (Reply #474)

Thu Nov 13, 2014, 08:33 PM

475. Many cant afford $100 a month, but I get the impression that she was blaming Obama

or the ACA...

Maybe that was just me

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Response to randys1 (Reply #475)

Thu Nov 13, 2014, 08:36 PM

481. Really?

 

Where was I blaming Obama or ACA?

Please?

Was it when I said REPUBLICANS?

Or maybe it was the SUPREME COURT?

Or, wait, here it is........HUMANA must be Obama in code!

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Response to Glitterati (Reply #481)

Thu Nov 13, 2014, 08:39 PM

484. Well first you chose to come here to say what you said

then you said this

At least I don't have to wait for the Repbulicans to fuck me over. Humana did it for them


So I guess I dont know what else to say to you, probably nothing


I took the above comment to kind of mean repubs didnt fuck you over but someone else did and not just humana

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Response to randys1 (Reply #484)

Thu Nov 13, 2014, 08:47 PM

488. Whew boy, I'm sorry

 

I really and truly cannot help you with your reading comprehension problems.

Republicans...............Humana..................

Somehow those things don't add up to Obama, now do they?

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Response to randys1 (Reply #475)

Fri Nov 14, 2014, 01:30 AM

546. I know exactly who to blame

 

The damn insurance companies and their lobbyists that buy and sell politicians. That's why we are about 28 in industrialized countries for health care.

It's a sin what we are doing in this country.

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Response to Aerows (Reply #474)

Thu Nov 13, 2014, 08:34 PM

477. And THEREIN lies the problem

 

The dogpilers want me to be thankful for a premium I can't pay.

Now, isn't that just brilliant?????????

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Response to Aerows (Reply #474)

Thu Nov 13, 2014, 11:53 PM

520. We should not beat up on poor people on DU, and all too many are doing it in this thread.

There is no poor person who wouldn't freak out if he or she got such a letter.

And geeze, food prices are very high still. A lot of people are just scraping by.

I think maybe many don't realize what that money means to someone on a very limited income.

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Response to Yo_Mama (Reply #520)

Fri Nov 14, 2014, 01:48 AM

552. I'm not even poor

 

and I wince at the price of milk these days. Not to mention the produce aisle. Yet there is mysteriously no inflation according to economic "experts" ...

Probably half the people on this board bashing on Glitterati are a couple of checks, either through SS or payroll from being so poor they have to sell all of their belongings to keep from being in the street.

I just don't get some of the folks in this thread.

Did none of them ever think "There, but for the grace of God, go I?"

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Response to Glitterati (Reply #76)

Thu Nov 13, 2014, 05:41 PM

257. by omission....

 

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Response to VanillaRhapsody (Reply #257)

Thu Nov 13, 2014, 05:42 PM

262. What omission?

 


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Response to Glitterati (Reply #262)

Thu Nov 13, 2014, 05:47 PM

279. A. your state....and B. that this is not off the Exchange.

 

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Response to Glitterati (Reply #58)

Thu Nov 13, 2014, 06:53 PM

372. I hope I get my letter soon, as the Marketplace website doesn't show my previous plan anymore.

And I know when I did the "sneak peek" option when I first saw it, it was showing insane rates.

Make sure you're on a Silver plan, BTW: they are the only ones with reduced deductibles and max out-of-pockets.

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Response to Glitterati (Reply #58)

Thu Nov 13, 2014, 07:45 PM

428. The is the exact personality of Mr. Leser.

 

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Response to TheNutcracker (Reply #428)

Fri Nov 14, 2014, 02:08 PM

604. Yep, I am a person who wants to debate based on all the facts. That's my personality. nt

 

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Response to stevenleser (Reply #54)

Thu Nov 13, 2014, 04:05 PM

113. They have a gripe now. No need to be that dismissive.

 

I'm sure when one of your payments goes up you wait and do hours upon hours of research before saying fuck. He has a gripe. His payments just doubled. To some of us that is huge. No need to be so dismissive.

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Response to NCTraveler (Reply #113)

Thu Nov 13, 2014, 04:06 PM

118. No, they don't. In two days they might. But they might not. nt

 

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Response to NCTraveler (Reply #113)

Thu Nov 13, 2014, 04:07 PM

123. Doubled? Try quadrupled!

 

Thank you for that.

But, this is a 370% increase in my premium. That's a bit more than double.

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Response to Glitterati (Reply #123)

Thu Nov 13, 2014, 06:04 PM

322. try baloney!

 

YOU haven't applied for you subsidy yet.

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Response to Glitterati (Reply #123)

Thu Nov 13, 2014, 07:03 PM

381. the insurance premium increased by about 14%

from $503/month to $577/month.

if your income hasn't increased, I hope your subsidy would cover most of the overall increase so that your out of pocket will not rise so much.

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Response to Glitterati (Reply #123)

Thu Nov 13, 2014, 07:04 PM

384. No, it's a 14% increase in the policy's premium

your letter shows just that.

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Response to stevenleser (Reply #54)

Thu Nov 13, 2014, 04:36 PM

152. Just received a letter telling me mine is going up $105. Will see what will happen here.

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Response to glinda (Reply #152)

Thu Nov 13, 2014, 05:47 PM

282. what state?

 

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Response to glinda (Reply #152)

Thu Nov 13, 2014, 07:04 PM

383. I suspect there was some kind of glitch. I checked the Marketplace earlier....

... and said I was going up about $70 bucks.

Now it looks more like $7 increase to get an equivalent plan (mine has disappeared or changed dramatically one or the other), which I can deal with much easier.

Let's see what the mailbox has in store for me, to scare me out of my wits.....

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Response to Glitterati (Reply #36)

Thu Nov 13, 2014, 03:24 PM

56. The federal exchange opens in less than 48 hours

 



Don't despair!



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Response to Glitterati (Reply #36)

Thu Nov 13, 2014, 08:25 PM

471. Ok thanks for clarification. I hope everything works out for you.

 

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Response to stevenleser (Reply #31)

Thu Nov 13, 2014, 04:03 PM

110. Seems like the OP jumped the shark..

Maybe the memo gave a wrong date to begin the discussion.

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Response to FarPoint (Reply #110)

Thu Nov 13, 2014, 04:05 PM

116. Good lord.

 

Do you know what kind of idiots you make of yourselves?

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Response to Glitterati (Reply #116)

Thu Nov 13, 2014, 04:07 PM

119. Cold and callous ones. That's what kind. nt.

 

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Response to NCTraveler (Reply #119)

Thu Nov 13, 2014, 06:01 PM

319. No she is dishonest....this form doesn't include her subsidy....because she hasn't applied for it

 

yet.

You are easily duped apparently.

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Response to VanillaRhapsody (Reply #319)

Thu Nov 13, 2014, 07:20 PM

397. When i check the estimates it includes a $191.66 subsidy.

So I'm waiting to see what my letter says in Arkansas.

If it's different than what the website is saying now, maybe something was screwy when letters were mailed out.

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Response to moriah (Reply #397)

Thu Nov 13, 2014, 07:22 PM

399. well according to the ACTUAL ACA site...

 

Premium and tax credit changes Ė What people pay for coverage in 2015 will likely change from 2014, due to various factors. As a result, it will be important for consumers to examine their 2015 coverage options and costs during this upcoming Open Enrollment Period. One key factor will be changes in the cost of the benchmark plan in a Marketplace. A preliminary analysis of premiums in 16 cities finds that the premium for the second lowest cost silver plan (the benchmark plan for computing premium tax credit amounts) will decline by 0.8 percent on average. Among those cities, the benchmark premium will increase by as much as 8.7% and decline by as much as 15.6%. These changes will have an effect on the cost of coverage for most consumers (i.e., those who are eligible for premium tax credits), even if their own circumstances donít change from 2014 to 2015. In addition, changes in an individualís income, age, and family status, as well as changes in the formula for calculating premium tax credit eligibility, will also affect the cost of coverage for consumers.



and since she cannot do that yet...she is not being honest.

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Response to VanillaRhapsody (Reply #399)

Thu Nov 13, 2014, 07:24 PM

401. Okay, then why even offer estimates?

If they aren't going to be right?

And I was at healthcare.gov, so what other ACA website are you talking about, VR?

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Response to moriah (Reply #401)

Thu Nov 13, 2014, 07:25 PM

406. because its estimates.....sheesh....because open enrollment is just around the corner...

 

no other ACA website....Healthcare.gov...open enrollment starts in 48 hours.

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Response to VanillaRhapsody (Reply #406)

Thu Nov 13, 2014, 07:28 PM

410. I'd much more believe the Republcians were scheming to fuck with people's heads...

... than that a DUer who's been here for years and has well over 1000 posts is lying.

And insurance companies could very well be sending out higher estimates to encourage people to dislike Obamacare.

Or maybe they fucked up when they first put the rates out, not counting that information you put there. Maybe that explains the differences in what I saw last week and what I saw today, because transposing a digit in my income doesn't. But putting the info out there before it's right is SILLY.

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Response to moriah (Reply #410)

Thu Nov 13, 2014, 07:30 PM

412. then you would be naive...

 

Its not open enrollment yet......this OP jumped the gun...and I think intentionally because she knows when she applies...things will change.

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Response to VanillaRhapsody (Reply #412)

Thu Nov 13, 2014, 07:41 PM

425. So again, no one can ever have anything bad to say about Obamacare and it be accurate.

I recommended those who were Medicaid/Private Option eligible in my state apply through access.arkansas.gov, because it was working better than the Exchange was. But when I did that with a current Marketplace application also pending, I ended up with two Medicaid numbers (and apparently one is still active despite me being granted my disability and updating my income on the Marketplace, though I've called many times). So that shows right there that there's a lack of communication between State and Federal marketplaces.

The federal Exchange was a computer technicians nightmare when it opened and anyone who denies it is FOS. I tried three different times to get a user name that would stick and let me log back in to see my info, finally went to the state website because I couldn't log back in to see progress or look like it fully submitted an application. Ended up with two Medicaid IDs. Later they reset all passwords and a technician helped me find the one that was correct for me to log in and update my income information. And I worked on computers, I wasn't a website dummy.

The fact is, computers fuck up. All computers do. Trying to do something on a scale like this is going to have fuckups.

I can say that and still be very happy for my Obamacare, and not wanting it to be dismantled, and not be a Republican in disguise since 2008 on here. Notice the OP blamed the insurance company, not Obamacare itself.

You sound like you are very cynical.

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Response to moriah (Reply #401)

Fri Nov 14, 2014, 12:25 AM

528. The law requires them to send the estimates to all insureds.

Since the subsidy information for 2015 won't be available until Saturday, all they can do is take their rates for the coming year and apply last year's APTC as an estimate of what the final premium will be.

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Response to Glitterati (Reply #116)

Thu Nov 13, 2014, 04:08 PM

128. Well...since you mentioned it....

I know one when I see one....

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Response to FarPoint (Reply #110)

Thu Nov 13, 2014, 04:09 PM

129. Yep. In two days, OP may in fact have reason to panic, but not now. nt

 

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Response to stevenleser (Reply #129)

Thu Nov 13, 2014, 04:31 PM

150. I love your feedback within this thread.

Spot on!

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Response to FarPoint (Reply #110)

Thu Nov 13, 2014, 06:04 PM

323. thought she had something......

 

she wasn't counting on someone knowing better...

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Response to FarPoint (Reply #110)

Thu Nov 13, 2014, 07:19 PM

395. Maybe the computers fucked up.

I know I saw much higher premiums, though not as high as when I deliberately transpose the digits of my income (checked that to make sure that wasn't what I did), when I checked it last week.

Maybe this is a Republican plot to make people hate Obamacare.

I think computer glitch is more likely.

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Response to moriah (Reply #395)

Thu Nov 13, 2014, 07:48 PM

433. The GOP's mission is very clear...

Their efforts are relentless ...I suspect all argumentative positions that remind me of Hannity etc... The tone is an obvious characteristic with all their cheerleaders.

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Response to stevenleser (Reply #31)

Sun Nov 16, 2014, 01:59 AM

665. The OP isn't the only one experiencing these increases. But then we pointed out the loopholes

way back when all this was in the works, and were told to 'stfu'.

Btw, thanks for your compassion for someone who clearly needs HC and is obviously distressed.

What a shame how little compassion the proponents of this bill have for their fellow human beings.

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Response to JaneyVee (Reply #1)

Thu Nov 13, 2014, 06:45 PM

366. In my case, they don't offer the same plan anymore.

Also, only Silver plans have the reduced cost-sharing for the poor.

So my premium is going up from $82.94 to ... well, damn, it said something very different last time. Maybe they adjusted the rates. Last time it said a BCBS silver policy that had the same coverage as mine was $144.

Now it's saying it'll only go up to $92. I can deal with that. Generic drugs and PCP copay are up, but at least the specialist copay is still $50, and that's who I have to see most often (my psychiatrist)

Maybe they had a glitch that generated the extremely high rates, and maybe I typed my income in wrong or something the last time. Naybe if it was a glitch then the notification from Humana for the OP might have been from a glitch too. But I knew it said to get an equivalent plan was going to cost me nearly double.

Or maybe the insurers proposed rates that were issued and then there was an outcry and they changed them. BCBS plans are still the cheapest ones in my state.

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Response to JaneyVee (Reply #1)

Thu Nov 13, 2014, 08:36 PM

480. And don't poor folk get offsets and credits? nt

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Response to Glitterati (Original post)

Thu Nov 13, 2014, 02:24 PM

2. Are there no other plans offered in your area?

 

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Response to SheilaT (Reply #2)

Thu Nov 13, 2014, 04:00 PM

106. Asked and answered

 

I won't know anything more until the federal exchange opens.

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Response to Glitterati (Reply #106)

Thu Nov 13, 2014, 04:52 PM

172. Then maybe, just maybe, you should wait until the federal exchange opens

 

before coming to a rock solid conclusion.

Oh, and notice that I was the second responder to your OP, so I didn't have a chance to see the hundred or so other responses between number 1 and mine.

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Response to SheilaT (Reply #172)

Thu Nov 13, 2014, 06:50 PM

368. If the previews of rates are wrong, then why have them up at all?

Just sayin'. seems rather silly. I know the last time I looked at the preview rates on the Marketplace it was completely different from what I'm seeing now. I'm hoping maybe I just transposed numbers in my income the last time, but now it's showing much more reasonable rates. I wouldn't be surprised if there was a glitch in the letter that was sent out to the OP (I haven't gotten any letters) because I really don't think I transposed digits.

I would still be able to do it, as my SSDI check is very decent. It still would have sucked, but better than no health care at all.

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Response to Glitterati (Original post)

Thu Nov 13, 2014, 02:25 PM

3. Look for a different plan then

Mine is going up $50 a month, so I'll be shopping around.

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Response to Glitterati (Original post)

Thu Nov 13, 2014, 02:27 PM

4. That was the plan

 

The Affordable Care Act was a failure from the get go

This was only a win for the insurance companies

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Response to scarystuffyo (Reply #4)

Thu Nov 13, 2014, 02:31 PM

6. Clearly

 

So, those of us sick and tired and just get more sick and tired.

And, then, we jump through these hoops, go through the hell of healthcare.gov and the Supreme Court finishes killing us off mid year.

No thanks.

I am done with this bullshit.

I'm sick of being screwed over by all of them.

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Response to Glitterati (Reply #6)

Thu Nov 13, 2014, 02:48 PM

19. I don't blame you

 

The minute Obama had insurance executives and lobbyists in closed door meetings I knew
it had nothing to do with health care , it was about profit for insurance companies

What ever did happen to the Obama who said ALL meetings will be transparent and ALL
will be viewed on CSPAN..

Remember that line of Bullshit Obama fed us.....................

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Response to scarystuffyo (Reply #19)

Thu Nov 13, 2014, 02:55 PM

27. You didn't have to wait that long.

Any initiative that centers on insurance was going to have to guarantee profitability. No profit, no companies to provide insurance.

In exchange the companies are going to ensure things are structured to eliminate competition and the need for innovation.

It was plain to see -- providing the pom-poms didn't obscure one's sight.

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Response to scarystuffyo (Reply #19)

Thu Nov 13, 2014, 06:07 PM

332. You are being bullshitted.....

 

this is NOT true.

I HAVE been subsidized on Obamacares...you have to apply for those every year.

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Response to Glitterati (Reply #6)

Thu Nov 13, 2014, 05:12 PM

211. Don't blame you.

 

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Response to Glitterati (Reply #6)

Thu Nov 13, 2014, 05:18 PM

221. I guess people will be happy

when you get the chance to sign up for the copper, lead, or paper plan?

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Response to Glitterati (Reply #6)

Thu Nov 13, 2014, 06:05 PM

326. You are not sick and tired.....you are just not honest...

 

WE are sick and tired of these false claims.

Again what state are you in?

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Response to VanillaRhapsody (Reply #326)

Thu Nov 13, 2014, 08:02 PM

453. Why do you ignore the box immediately above that clearly states the premium before credits is $577?

Why do you ignore the print in the box below it with the $101.xx that says it is the premium based on their 2014 credit?

Now, that brings us to the quibble with the OP which is that is with the amount from 2014 so they will have to submit for 2015 and see where it lands but clear as day the $101.xx is subsidized. You know good and we'll there is no unsubsidized, ACA compliant policy for a hundred dollar a month, that is just common sense and basic market awareness.

You are overwrought and being a cold hearted bully here. If folks could just get 1,200 a year plans from Humana, this would be a vastly different conversation all around. My employer based coverage was almost that much in the 90's. Use a little common sense and stop being so hasty and heated, especially when you can't be bothered to read what is as clear as anything I've seen from a payer in my life.

It is simple as fuck, Vanilla. It gives last year's before and after (which is a match with the original claim, by the way) and then this year's both before and after. Again, they need to get their 2015 and I tend to guess that 101 number will go down some but it might go up, we really don't know but the unsubsidized premium is $577 and some change, that is not disputable based on availability data and isn't unusual in this market at all.

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Response to VanillaRhapsody (Reply #326)

Fri Nov 14, 2014, 01:29 AM

543. I'm sick and tired of reading your rude, dismissive, accusitory responses. Do you have

a dog in the hunt? Why are you attacking the OP?

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Response to VanillaRhapsody (Reply #326)

Fri Nov 14, 2014, 03:29 PM

629. Ah...the royal 'we'

 

Well some of us are sick and tired of your constant screeds on how well it worked out for YOU, so no one else should offer any criticisms at all.

You are truly a fine shill.

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Response to Glitterati (Reply #6)

Fri Nov 14, 2014, 12:48 AM

530. What was your monthly premiums before ObamaCare kicked in?

 

Last year (before ObamaCare) my husband and I were paying just over two grand a month, with a annual deductible of ten grand. It's the pits when one of you gets chronically ill.

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Response to Boudica the Lyoness (Reply #530)

Fri Nov 14, 2014, 01:23 AM

540. I was uninsured for 30 years.

 

Insurance, pffffft. I couldn't afford insurance. We were the working poor. We struggled to pay the CAR insurance to get us back and forth to work. $36.00 per month because we WERE good drivers, still am. Of course, the car had to go when I had to choose between health insurance and car insurance. But, I can walk most places right now.

My husband dropped dead in my living room from a massive heart attack.



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Response to Glitterati (Reply #540)

Fri Nov 14, 2014, 02:05 AM

561. Did you get the Gold or Platinum

 

what state do you live in?

Did they expand Medicare in your state?

Have you applied for your new subsidy? (I know already that is no).

I call bull hockey.

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Response to Glitterati (Reply #540)

Fri Nov 14, 2014, 03:14 AM

569. We bought insurance because we have worked too hard

 

for what we have. Before I married my husband, 30 years ago, I rode my bike 10 miles to work, every day for years. My mother rode her bike just as far until she retired at 65. You're lucky you can still walk. I wish I could. Life can be very hard.

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Response to Boudica the Lyoness (Reply #569)

Fri Nov 14, 2014, 10:39 AM

584. Here's a fun fact.

 

My endocrinologist was actually CHEAPER before insurance.

At the income based clinic, the endo was $25.00 per visit.

My insurance copay for the endocrinologist is $35.00 per visit.

But, hey, who needs medical care when you have insurance right?

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Response to Glitterati (Reply #584)

Fri Nov 14, 2014, 11:20 AM

588. You just dig yourself in.

You now have complete comprehensive health coverage. You have coverage that will pay if you have a catastrophic accident or illness. You pay have to pay a large deductible, but you won't be hounded into bankruptcy. You have coverage and an insurance card that will cover you if you get sick away from home. There is far more to complete coverage that an increase in your per visit deductible

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Response to LynnTTT (Reply #588)

Fri Nov 14, 2014, 11:24 AM

591. ROFL, anything you say

 

Hey, did you read the Megan McCain thread?

It's stunningly just like this one........in reverse.

Oh, and yeah, I had a catastrophic illness 2 years ago, uninsured. It wasn't quite the nasty little display you so happily wish upon me. Sorry to tell ya.

But, hey, we won't let the facts get in the way of your outrage, k?

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Response to Glitterati (Reply #584)

Fri Nov 14, 2014, 02:28 PM

609. You're not the only person who's chronically ill

 

Quit belly aching. Just because a doctor suggests treatment, you don't have to have it. This year I have turned down infusion treatments and also seeing an oncologist. And we have very good insurance.

No one lives forever, including you.

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Response to Boudica the Lyoness (Reply #609)

Fri Nov 14, 2014, 02:38 PM

614. Thanks.

 

Whoa, it really IS Meghan McCain, live and in person.

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Response to Boudica the Lyoness (Reply #609)

Sun Nov 16, 2014, 02:45 PM

671. Are you fucking kidding me??

 

You can't possibly be serious.

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Response to scarystuffyo (Reply #4)

Thu Nov 13, 2014, 04:39 PM

155. Out in CA

Mine went down 2% for next year....this is the first time EVER that my rates have dropped at all

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Response to scarystuffyo (Reply #4)

Thu Nov 13, 2014, 04:43 PM

159. As it was meant too be

This was only a win for the insurance companies.

But hey...we can always 'fix' it later.....

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Response to SammyWinstonJack (Reply #159)

Thu Nov 13, 2014, 07:30 PM

411. so you're saying that if Obamacare goes away, then only the insurance companies will lose

not one real person will be harmed, just insurance companies, because Obamcare, as you are saying, is only a win for the insurance companies. correct?

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Response to scarystuffyo (Reply #4)

Thu Nov 13, 2014, 08:07 PM

458. +1

 

I (in Florida) make 15k a year and have a permanently disabled wife on SSDI. I don't qualify for ACA or Medicaid. Wife goes on Medicare next month which will take $105 from her $810 monthly SSDI deposit. Ask me if I give a f*** about ACA.

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Response to Glitterati (Original post)

Thu Nov 13, 2014, 02:31 PM

5. ACA isn't going up. Your particular insurance company is going up.

ACA doesn't have premiums. It's not an insurance plan. It's your insurance company that has a premium and that is what's going up. As others have said, shop around for different insurance.

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Response to drm604 (Reply #5)

Thu Nov 13, 2014, 02:32 PM

7. Go ahead, argue semantics

 

in the meantime, I'll just curl up and die.

OK?

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Response to Glitterati (Reply #7)

Thu Nov 13, 2014, 02:36 PM

9. I wasn't trying to argue semantics.

You seemed to have the impression that ACA premiums are going up and that you have no choices. I was simply pointing out that there is no ACA premium, that the premiums are determined by individual insurance companies, and that you actually do have choices. I was trying to help you, not argue semantics.

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Response to drm604 (Reply #9)

Thu Nov 13, 2014, 02:37 PM

10. Help? You thought that was helpful?

 

Bwahahahahahahahahahahahahahahahahahaa!

Don't bother next time, OK?

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Response to Glitterati (Reply #10)

Thu Nov 13, 2014, 02:42 PM

14. Wow.

I don't know what your problem is but, as I and others have said, shop around to see if there's something more affordable. If you can't see that that is an attempt to educate and help, then I don't know what to say.

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Response to drm604 (Reply #14)

Thu Nov 13, 2014, 02:46 PM

17. You don't know what my problem is?

 

Good lord, did you bother to read the OP?

My disease will kill me.

I can't afford medical care.

I will die.

And you don't know what my problem is?

OK

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Response to Glitterati (Reply #17)

Thu Nov 13, 2014, 02:49 PM

21. I meant that I didn't know what your problem with my response was. Wasn't that obvious?

I understood your insurance problem. What I didn't understand was why you gave such an ungracious response to my attempts to help you.

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Response to drm604 (Reply #21)

Thu Nov 13, 2014, 02:50 PM

22. You were NOT helpful.

 

I'm sorry, but a lecture from you was not in the least bit helpful.

Did I make myself clear this time?

Yes?

Good.

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Response to Glitterati (Reply #22)

Thu Nov 13, 2014, 02:56 PM

29. the poster doesn't want to help you at all

They want you to support the ACA despite its negative effects on your health and well-being.

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Response to TheSarcastinator (Reply #29)

Thu Nov 13, 2014, 03:00 PM

32. That was entirely clear with the first post

 

they have one purpose - no matter how many ways people get screwed - defend Obama, defend Obama, defend Obama.

I'd like the answer to just one simple question - when the holy hell is Obama, or ANY Democrat for that matter, going to defend ME?

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Response to Glitterati (Reply #32)

Thu Nov 13, 2014, 03:25 PM

57. The most aggravating thing I have noticed on DU is the posters who

 

no matter what truthful life experience some one is having with ACA
they are fast to defend it .

The ACA is a failure because unless it's affordable for EVERYONE
then it just bullshit

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Response to scarystuffyo (Reply #57)

Thu Nov 13, 2014, 04:55 PM

176. Oh, so even though millions are helped it's a failure

 

because others aren't? What an odd definition of failure.

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Response to SheilaT (Reply #176)

Thu Nov 13, 2014, 05:06 PM

195. and those millions will be reduced as they receive the letter I got today

 


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Response to SheilaT (Reply #176)

Thu Nov 13, 2014, 05:58 PM

307. yes

 

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Response to SheilaT (Reply #176)

Thu Nov 13, 2014, 06:00 PM

314. killing 5 people to save 10 is nothing to be cheer leading about

 

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Response to scarystuffyo (Reply #314)

Thu Nov 13, 2014, 06:08 PM

335. Where are people being killed by this?

 

And it's more like five are being saved, even though five others still are not. While we need to try to get that second five saved, we should be cheering, not booing the five who are saved.

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Response to TheSarcastinator (Reply #29)

Thu Nov 13, 2014, 06:08 PM

334. and you know this with your whole 190 posts?

 

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Response to Glitterati (Reply #17)

Thu Nov 13, 2014, 07:32 PM

416. well if you don't want Obamacare then the old system doesn't want you

the system that won't accept you because of your disease, or will sell you insurance, but insurance that doesn't cover your disease.

but if you want to write off Obamacare altogether, just go ahead.

if you don't want it anymore, or its protections, then you can have nothing.

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Response to CreekDog (Reply #416)

Thu Nov 13, 2014, 07:50 PM

438. She even admits she was uninsured before ACA, ACA got her monthly costs down from $500

to either $27 or $100 worst case, and she is angry that she may have to pay

ONE FIFTH of what it would be WITHOUT OBAMACARE


hey, I am all for single payer, but these kind of attitudes just suck...big time

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Response to drm604 (Reply #14)

Thu Nov 13, 2014, 05:30 PM

238. It's not help she's looking for, but thanks for your efforts.

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Response to Tarheel_Dem (Reply #238)

Thu Nov 13, 2014, 05:33 PM

244. Isn't it funny that so few managed to figure that out?

 

I didn't ask for anything at all. I was just stating the facts from the letter I opened this morning.

Now, my stupid butt assumed that DUers might want to know what folks were looking at before it hit the fan out on the interwebs and such, you know?

I really don't think Humana singled me out with a 370% increase in premiums.


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Response to Glitterati (Reply #244)

Thu Nov 13, 2014, 06:09 PM

336. You didn't offer anything constructive either....you are passing false information...

 

Humana doesn't give you subsidies.....

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Response to Glitterati (Reply #244)

Thu Nov 13, 2014, 09:57 PM

505. It's obvious you weren't looking for help from the tone of your responses in this thread.

However, people have still tried to assist you, and what they got in return was namecalling by your crew. It took some a few minutes to figure out what you were actually doing, but I knew right off the bat. Best of luck to ya!


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Response to drm604 (Reply #14)

Thu Nov 13, 2014, 05:35 PM

246. I think if you think REALLY hard ...

 

you'll be able to figure out what that poster's problem is ... things don't go right, "Thanks, Obama!"

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Response to 1StrongBlackMan (Reply #246)

Thu Nov 13, 2014, 05:40 PM

254. Oh, wow! I couldn't find the word Obama in the OP

 

how nice that you have those wonderful special glasses that allows you to find special hidden characters!

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Response to Glitterati (Reply #254)

Thu Nov 13, 2014, 05:47 PM

280. Okay! No Obama in the ACA, AKA Obamacare ...

 

Right!!!

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Response to 1StrongBlackMan (Reply #280)

Thu Nov 13, 2014, 05:54 PM

297. streeeeeeeeeeeeeeeetch!

 

you'll get there!

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Response to Glitterati (Reply #254)

Thu Nov 13, 2014, 06:06 PM

329. Nah, you just managed to insert "all hail the mighty Obama" into nearly every subsequent...

....post after that. No special glasses needed.

BTW, your panic, anger, and lashing out at otherwise sympathetic and helpful DUers remind me so much of someone else in my sphere in real life. There are fora where you can vent all you want in a fact-free zone, but in GD at DU that usually is not sufficient, although you seem to have gathered a little coterie of fellow-travelers.

Regarding FACTS:

Your letter from Humana is a fact. Your panic, anger, and lashing out are also facts -- behavioral facts. It is also a fact that these behaviors will drive away people who might otherwise have some good ideas. And finally, it is a fact that the Open Enrollment period will start in just a few hours despite your panic, anger, and lashing out. Yes, it requires you to do some research every year, and unfortunately that is the way things are. I hate it too.

So go ahead and drive away everybody who could actually help you sort things out, and cling to those who only provide you with an echo chamber for your panic and anger.

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Response to Hekate (Reply #329)

Thu Nov 13, 2014, 06:11 PM

338. There's only one problem.

 

I don't WANT your help.

I didn't ASK for your help.

I am a very big girl who doesn't NEED any help.

So, honestly, you can just move on now, because there's no need for anything from you.

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Response to Hekate (Reply #329)

Thu Nov 13, 2014, 08:25 PM

470. Yeah, calling them dishonest and implying they are illiterate unable to read what is clearly stated

is sympathetic and helpful when the reality is it is the most boisterous critics of the OP that apparently can't read as at least two are trying to claim the $101 is the unsubsidized premium (despite having to ignore the box directly above that says the $577 is before credits and the clear print in the box below that states it is the amount with the 2014 credit applied, bringing it down to the $101.xx number).

Helpful might be identifying that hiccup and reminding them they will have to apply for the 2015 to get the most clear picture of their expected cost (understanding that the number could actually go down or even up).

Helpful and sympathetic is not a 2 minute hate for the OP who has health problems and limited resources while being beligerently wrong about the facts presented directly from the letter from the payer which the OP actually shared.

You ought to be calling out those being assholes to this person instead of piling on too.

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Response to 1StrongBlackMan (Reply #246)

Thu Nov 13, 2014, 07:55 PM

444. Yep, I mean in the worst case scenario THANKS TO OBAMA she pays ONE FIFTH of what it

would be otherwise.

so what I say is DONT fucking complain to us, complain to the people who made it CRYSTAL FUCKING CLEAR that Obama best not even UTTER the words SINGLE PAYER otherwise he would never get enough votes for any kind of reform at all and you would be paying $500 or $600 a month IF AT ALL, maybe they would tell her to fuck off entirely for pre existing conditions

JESUS CHRIST this shit makes me angry


and I will CRY too when my premium is too high but I will CRY to the CORRECT FUCKING PEOPLE

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Response to randys1 (Reply #444)

Thu Nov 13, 2014, 08:30 PM

473. NOPE! Wrong again.

 

I won't be paying ANYTHING in that case.

Because I don't HAVE IT TO PAY.

But, that's OK, keep piling on.

I'm thanking Obama for insurance I can't afford. Yes, Lordy, I am shouting my thanks to the heavens!!!!!!!!!

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Response to Glitterati (Reply #473)

Thu Nov 13, 2014, 08:35 PM

479. Yeah, I figured you are blaming Obama that cutting the cost to ONE FIFTH wasnt enough

But you see what you want to do is not blame him for cutting your cost to ONE FIFTH

what you want to do is work for single payer and support a political environment that can make that happen

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Response to randys1 (Reply #479)

Thu Nov 13, 2014, 08:38 PM

483. Bwahahahahahahahahahahahaa

 

having fun?

Need to dogpile some more?

Enjoy you little factless trip down memory lane.

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Response to Glitterati (Reply #483)

Thu Nov 13, 2014, 08:40 PM

485. memory lane? do I know you?

dear god please tell me you are not that person from that other board

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Response to randys1 (Reply #485)

Thu Nov 13, 2014, 08:48 PM

489. ROFL, really shook you up, huh?

 

Nah, I was referring to your attacks on poor innocents during the ACA implementation.

This should be old hand for you by now.

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Response to Glitterati (Reply #7)

Thu Nov 13, 2014, 07:31 PM

413. who asked you to curl up and die?

nobody.

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Response to drm604 (Reply #5)

Thu Nov 13, 2014, 02:33 PM

8. Now you have destroyed the pinata

 

that is called Obamacare round here.


why shop around when the store of continual insults and misinformation is right here with so many happy customers.

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Response to LawDeeDah (Reply #8)

Thu Nov 13, 2014, 02:44 PM

16. Notice the response I got?

Some people don't accept help well.

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Response to drm604 (Reply #16)

Thu Nov 13, 2014, 02:51 PM

24. And SOME people think lectures are HELPFUL

 

when they're just a pile of bullshit.

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Response to Glitterati (Reply #24)

Thu Nov 13, 2014, 04:54 PM

175. Since when is a simple suggestion to

 

shop around for something else is a lecture?

And by your own admission you didn't have any health care for 30 years. I guess you think that was better?

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Response to drm604 (Reply #16)

Thu Nov 13, 2014, 02:52 PM

26. wow. OP didn't respond within 15 minutes. That means, exactly, nothing.

 

Maybe poster hasn't had time to read, let alone respond to, your post.

How dare poster do *anything* other than hang around and wait for you to post, in order to respond.

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Response to drm604 (Reply #16)

Thu Nov 13, 2014, 03:02 PM

34. When you're in a hole stop digging.

Get over yourself and your so-called advice.

She's not a child to be talked down to about shopping around. She's smart enough but you proceed from some apparently arrogant assumption that she can't figure things out on her own.

When it was plainly obvious you weren't helping you came across with an attitude of entitlement as if you're somehow appointed to set her straight.

You can protest that wasn't your intent but that's how it reads.

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Response to drm604 (Reply #16)

Thu Nov 13, 2014, 03:57 PM

99. yep. I've seen this movie before.

 

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Response to drm604 (Reply #16)

Thu Nov 13, 2014, 05:31 PM

240. They aren't interested in what you have to say or the facts. nt

 

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Response to LawDeeDah (Reply #8)

Thu Nov 13, 2014, 03:33 PM

77. Okay, I give up. What DOES the OP want?

Is this just an opportunity to vent? A desire for soothing and sympathetic noises? A demand to reform ACA? I'm completely lost here.

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Response to brooklynite (Reply #77)

Thu Nov 13, 2014, 03:47 PM

87. Nothing. Not a thing.

 

I thought people would find the information interesting.

I thought folks might appreciate the FACTS some of us are dealing with as we open our renewal letters.

I. WAS. WRONG.

Obviously.

But I want nothing from your nor anyone else.

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Response to Glitterati (Reply #87)

Thu Nov 13, 2014, 04:10 PM

132. Many people want to know nothing about what goes on in reality.

 

Just what their favorite pol tells them. Sorry for some of the responses you have gotten here. On the other hand, some members of the board have shown understanding and compassion.

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Response to brooklynite (Reply #77)

Thu Nov 13, 2014, 03:49 PM

89. I think the OP and the supporters are bogus.

They don't care what you say, they have their game to play And you are getting in the way.
The ACA is helping millions and is working well. Our hospital had many indigent patients and now most have Medicaid. We are in CA. People in states that don't have an exchange may get screwed by the SCOTUS but then those folks vote repub or don't bother to vote.

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Response to upaloopa (Reply #89)

Thu Nov 13, 2014, 04:07 PM

122. I agree with you

I see nothing but bitching and sniping.

There's nothing wrong with suggesting someone shop the exchanges to see what else is out there. In fact, the results of shopping would be much more instructive than what one insurance company is doing.

The ACA does have its problems, but discussions like these do nothing to add to constructive solutions to fix it.

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Response to GitRDun (Reply #122)

Thu Nov 13, 2014, 04:40 PM

157. Just for you.

 



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Response to Glitterati (Reply #157)

Thu Nov 13, 2014, 05:38 PM

251. Welcome to the ignore list

Your angry / bitter about a premium increase you can't afford and you have health problems, I get it. You think you are the only one out there with real financial and health problems? Get over yourself! Try to post information that is constructive to how best to use or improve the ACA.

However, when you bitch and moan BEFORE seeing what options ACA has to offer, you come across as just a whiner.

Try being constructive instead of trolling your own OP to pick a fight with anyone who disagrees with you.

Addition by subtraction I say.

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Response to GitRDun (Reply #251)

Thu Nov 13, 2014, 05:41 PM

258. THANK you!

 

so glad you won't be participating anymore.

Wooot!

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Response to upaloopa (Reply #89)

Thu Nov 13, 2014, 04:38 PM

153. Here ya go

 



Proof for you.

But, really, don't let the facts get in the way of your grand conspiracy.

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Response to Glitterati (Reply #153)

Thu Nov 13, 2014, 05:08 PM

199. Have you updated your APTC for 2015 yet?

Your subsidy listed is based on 2014. The formulas may have changed and you may be getting a bigger subsidy to cover the increase.

Or maybe you aren't and you have a right to be upset. You should visit humana.com/learnmore like the document says before flying off the handle.

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Response to WonderGrunion (Reply #199)

Thu Nov 13, 2014, 05:52 PM

292. Apparently not

 

The underlying increase in the premium was 78 dollars, and having not updated the APTC, that figure was added to the previous subsidized premium. The OP needs to update the information on which the subsidy is based which is, as you point out, in the letter which has been posted throughout the thread.

The letter says "NOTE" in bold and explains that it applied the 2014 subsidy to the 2015 premium.

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Response to WonderGrunion (Reply #199)

Thu Nov 13, 2014, 06:07 PM

333. Have you tried visiting humana.com/learnmore?

Doesn't seem to be working for me

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Response to BlindTiresias (Reply #333)

Thu Nov 13, 2014, 06:24 PM

347. I have. Nothing there.

 

or not working for me either.

I can't find anything out until the federal exchange opens on the 15th.

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Response to brooklynite (Reply #77)

Thu Nov 13, 2014, 04:51 PM

171. Um, affordable health coverage?

Just a guess.

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Response to drm604 (Reply #5)

Thu Nov 13, 2014, 02:51 PM

23. OP didn't say ACA was going up. OP said it doesn't matter what the Supreme Court does

 

Nice try at blaming the victim, but the OP made it clear that Humana did the screwing.

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Response to magical thyme (Reply #23)

Thu Nov 13, 2014, 03:03 PM

35. The OP repeatedly says that ACA is going up.

I wasn't trying to blame anyone. Simply trying to correct a misconception and give advice.

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Response to drm604 (Reply #35)

Thu Nov 13, 2014, 03:06 PM

37. That's simply a lie

 

plain and simple. But, you go ahead and stay in your pretty little bubble.

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Response to Glitterati (Reply #37)

Thu Nov 13, 2014, 03:10 PM

40. "ACA is going up like a rocket"

 

From your OP.

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Response to Cali_Democrat (Reply #40)

Thu Nov 13, 2014, 03:12 PM

42. ONCE. Where did I "repeat" said fact, much less "repeatedly" as you stated

 

in your lie.

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Response to drm604 (Reply #35)

Thu Nov 13, 2014, 03:13 PM

43. No it does not.

 

"At least I don't have to wait for the Repbulicans to fuck me over. Humana did it for them."

The OP title says ACA premium notice. That is the ONLY place where the OP references ACA, and the rest of the sentence refers to the potential impact of the Supreme Court ruling on ACA.

On reading the entire post it is clear the poster is referring to the insurance company under ACA and the HUMANA is doing the screwing.

Your supposed attempt to help was superfluous, seeing as others had already suggested shopping around. Like nobody would think of that themselves.

Maybe poster is in an state like mine, where there aren't any choices. Maybe OP already looked and the 4-fold increase is the best or cheapest available.

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Response to magical thyme (Reply #23)

Thu Nov 13, 2014, 04:04 PM

111. "ACA is going up like a rocket " 5th line of OP

Posted for clarity

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Response to GusBob (Reply #111)

Thu Nov 13, 2014, 04:12 PM

135. And, for CLARITY, would you please post the "repeated" instances?