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Old October 31st, 2013, 04:40 PM   #41
Chinski
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Our PPO plan premium went up 10% but as a single guy its not a very big dollar amount. I probably should have switched to the HSA plan though. They dropped the HMO option for 2014 and I won't be surprised if PPO is gone for 2015.
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Old October 31st, 2013, 04:52 PM   #42
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Thanks to the great obummer my healthcare costs have jumped and I'm not bullshiting 962%. They have dropped my bc/bs ppo and replaced it with asr ppo. Copays have increased 300% going from 5 to $20 a visit and er copays jumped 10000% going from free to $100. Our prescriptions have jumped 300% as well. I can't wait for them to tell me I won't have coverage when I retire
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Old October 31st, 2013, 05:27 PM   #43
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Originally Posted by High Center Hancho View Post
Thanks to the great obummer my healthcare costs have jumped and I'm not bullshiting 962%. They have dropped my bc/bs ppo and replaced it with asr ppo. Copays have increased 300% going from 5 to $20 a visit and er copays jumped 10000% going from free to $100. Our prescriptions have jumped 300% as well. I can't wait for them to tell me I won't have coverage when I retire
At least you had great health care compared to what I had. Mine was like your about 15 years ago and has been jumping up each year.

Afffordable care act.......affordable for who?
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Old October 31st, 2013, 06:08 PM   #44
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At least you had great health care compared to what I had. Mine was like your about 15 years ago and has been jumping up each year.

Afffordable care act.......affordable for who?
Everything is affordable for those who passed the bill since they are exempt.
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Old October 31st, 2013, 06:17 PM   #45
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Everything is affordable for those who passed the bill since they are exempt.
I guess and I hate them bastards for thinking they are better than the rest of us. I want to leave a flaming bag of poo on the White House porch.
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Old October 31st, 2013, 06:51 PM   #46
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Up $5/two weeks.
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Old October 31st, 2013, 06:58 PM   #47
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Out of pocket is up about $150 a month, even factoring a reduction in covered people (son).

Detail and vision unchanged.
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Old October 31st, 2013, 07:14 PM   #48
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At least you had great health care compared to what I had. Mine was like your about 15 years ago and has been jumping up each year.

Afffordable care act.......affordable for who?
Oh, did I say these increases were biweekly!! Mother fuckers
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Old October 31st, 2013, 07:17 PM   #49
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dont know. right now we are at like 230 a month or something. pretty good plan. I guess we will see.
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Old October 31st, 2013, 07:30 PM   #50
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Will there be catastrophic only plans still???
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Old October 31st, 2013, 07:45 PM   #51
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Up $45 two adults two kids, deductible went to $2000 from $1200
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Old October 31st, 2013, 08:29 PM   #52
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I work for Granger. We havent gotten our insurance information yet. Right now I pay $170 per month towards the coverage we have for my family of 4. That includes $25 office visits, $25 prescriptions, $50 urgent care and $150 ER. I believe our Deductibles are $2500 per individual, per year.

According the healthcare.gov we can get a plan that ranges between $440 for just catastrophic and $1407 for a gold plan. Thats monthly premium. Interestingly, there is a platinum plan at $970 per month. Not sure on the coverage difference though.

Based on my income, we qualify for a subsidy of up to $5807 per year. If we pick that $970 per month plan, that comes out to $11640 per year. Minus the subsidy = $5833. So monthly we would be out of pocket just for the premium $486. Add on top of that any office visits, prescriptions etc.

Fortunately, Grangers plan meets the "minimum and affordable" stipulation. So I am not sure which direction they will go this year. Normally our annual raises don't cover the insurance increase. Granger picks up, IIRC, 85% of any increase and passes 15% onto us.
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Old October 31st, 2013, 09:31 PM   #53
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Everything is affordable for those who passed the bill since they are exempt.
Every revolution needs a catalyst...
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Old November 1st, 2013, 05:22 AM   #54
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Since my wife works for the school, we went from a great plan to a so-so plan. Our copay went from $20/month to $80/month. The reason it didn't go up too much is because we bought a lesser plan. We went from a $2-5 copy on prescriptions to 100% pay till our deductible is met. We went from a zero deductible to a $4000 deductible. We went from a $5-10 copay on sick visits to 100% pay till our deductible is met. The only thing that did not change is our wellness visits are still covered. (annual physicals, etc)

So yes, big change. What's the increase from zero deductible to $4000? A bunch.
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Old November 1st, 2013, 06:08 AM   #55
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My out of pocket didn't really change, but my deductable went from $3k to $5k, which seems like alot, but now they kick $2k into an HSA for me. So really it's situation normal.
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Old November 1st, 2013, 08:12 AM   #56
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Quote:
Originally Posted by whiterhino View Post
Since my wife works for the school, we went from a great plan to a so-so plan. Our copay went from $20/month to $80/month. The reason it didn't go up too much is because we bought a lesser plan. We went from a $2-5 copy on prescriptions to 100% pay till our deductible is met. We went from a zero deductible to a $4000 deductible. We went from a $5-10 copay on sick visits to 100% pay till our deductible is met. The only thing that did not change is our wellness visits are still covered. (annual physicals, etc)

So yes, big change. What's the increase from zero deductible to $4000? A bunch.
Wow! So now if you want to buy a 1 month script at $200/bottle you will pay out of pocket the full $200 instead of $5?
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Old November 1st, 2013, 08:20 AM   #57
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OBAMACARE is a plan intended to enrich the insurance companies, NOT provide healtcare access.
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Old November 1st, 2013, 08:29 AM   #58
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Wow! So now if you want to buy a 1 month script at $200/bottle you will pay out of pocket the full $200 instead of $5?
Yes, that's how I understand it, until our $4000 deductible is met. Thankfully at the moment we are both healthy & haven't had any scripts yet.
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Old November 1st, 2013, 09:05 AM   #59
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My out-of-pocket amount is unchanged but my employer paid portion is going up 3.4%. My insurance provider is changing from BCBS to HAP but the coverage and deductibles are improving.

My portion has been the same since 2010 when I switched from an individual plan to a family plan. However the employer paid portion went up 21% from 2010 to 2011 and then down 3.2% from 2011 to 2012. It stayed the same through 2012 and 2013.
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Old November 1st, 2013, 09:33 AM   #60
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My employee paid contributions will be going up for all plan options. My coverage options have changed but I haven't looked in complete detail as how they will be changing as I am opting to choose a more expensive option as well because it should cover us better based on our typical healthcare needs.

On average our plans are going up about $20-40 per pay period for single and approximately $100 per pay period for family (paid bi monthly)
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