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Old June 26th, 2009, 08:43 AM   #1
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Default Thanks Obama.

I got a letter at work today from blue cross stating that my premiums are going up from the current $725 to $1,050 per month on my family coverage.

this is the largest increase I have ever seen and we had a $220 premium increase in february 09.

This is undoubtedly a result of obama's "forced government" bullshit.

Thanks obama for your stupid socialistic health care bullshit making companies jack their rates so when you force them to discount it i'll be paying what I was.

Thanks obama for punishing me and my family because i work hard.

Thanks stupid lazy fucktard americans for electing this asshole.
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Old June 26th, 2009, 08:47 AM   #2
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just wait till you get taxed on that!!
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Old June 26th, 2009, 08:48 AM   #3
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you really need to check your plan

for a family up to 5 on my plan with a 3000 deductible per family a year its on 247 per month 100 percent coverage after deductible
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Old June 26th, 2009, 08:54 AM   #4
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Originally Posted by hosejockey4506 View Post
you really need to check your plan

for a family up to 5 on my plan with a 3000 deductible per family a year its on 247 per month 100 percent coverage after deductible
we don't have a high deductible plan. never have.
how long does it take you per calendar year to go through $3k in medical before your insurance kicks in?

I go to the doctor it's $10
I go to the emergency Room it's $40
I get major hospitalization it's $40
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Old June 26th, 2009, 09:05 AM   #5
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we don't have a high deductible plan. never have.
how long does it take you per calendar year to go through $3k in medical before your insurance kicks in?

I go to the doctor it's $10
I go to the emergency Room it's $40
I get major hospitalization it's $40
its weird it really doesn't work out where you pay the 3000 up front

between October(bought the insurance) and December 31(deductible resets) i ended up only paying 370 bucks and that was with a pregnant wife with her monthly visits, ultra sounds and blood work. i don't know the exact number but the insurance payed a couple thousand.

i know they changed the plan we had around and im not sure they even offer it any more but we are grandfathered in is what was explained to me when i added the kid last week.
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Old June 26th, 2009, 09:19 AM   #6
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its weird it really doesn't work out where you pay the 3000 up front

between October(bought the insurance) and December 31(deductible resets) i ended up only paying 370 bucks and that was with a pregnant wife with her monthly visits, ultra sounds and blood work. i don't know the exact number but the insurance payed a couple thousand.

i know they changed the plan we had around and im not sure they even offer it any more but we are grandfathered in is what was explained to me when i added the kid last week.
almost like an H.S.A., which I have a feeling that is what we'll be converting to because of this. my work pays my percentage 100% and 30% on each of my family and I pay the rest. I find it a shame that the owners here are apologizing for this and it is not their fault. they work hard to reward the employees here and share prosperity with us. Now they are forced to cut back benefits because of something like this. america is not the land of the free, it is the land where the achievers are punished and the underachievers are rewarded.
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Old June 26th, 2009, 09:28 AM   #7
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I would be happy just to have insurance, the hubby works 70 hours a week and him and I have no insurance...
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Old June 26th, 2009, 09:43 AM   #8
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I was forced to leave BCBS a long time ago when HAP came on the scene. HAP undercut the cost of coverage compared to BCBS while BCBS increased their premiums by enough that I could not afford to stay with BCBS. And that was while I was a Union employee. 15-20years ago.

Now, with the HSA craziness, I pay more and have to do more of the work too. How the hell does that work out? I pay premiums so I do not have to do the leg work in my health care. I pay for someone to manage the plan, yet I have to manage more of the plan. Not talking about the actual medical part of it either, that we have always been very involved in.

This is nothing new. Just the constant increase in health care costs that have been building for decades without a plan to keep costs in check.
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Old June 26th, 2009, 09:57 AM   #9
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I was forced to leave BCBS a long time ago when HAP came on the scene. HAP undercut the cost of coverage compared to BCBS while BCBS increased their premiums by enough that I could not afford to stay with BCBS. And that was while I was a Union employee. 15-20years ago.

Now, with the HSA craziness, I pay more and have to do more of the work too. How the hell does that work out? I pay premiums so I do not have to do the leg work in my health care. I pay for someone to manage the plan, yet I have to manage more of the plan. Not talking about the actual medical part of it either, that we have always been very involved in.

This is nothing new. Just the constant increase in health care costs that have been building for decades without a plan to keep costs in check.
I agree pete. I have been on and off bcbs over the years depending on plan rate hikes. this is also not the first mention around here about a HSA either. personally though I find that the HSA I shouldn't have to pay a premium until I spend my required amount. period. if it takes me 10 months to spend my out of pocket cost and I am paying premiums I am wasting just as much, if not more money than if I was paying the hiked premium cost.

the HSA plan inception is fine and designed to thwart plan abuse by the patient by forcing them to take more responsibility but the companies make more money by not having to pay out and still collecting a relatively high premium.
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Old June 26th, 2009, 03:00 PM   #10
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Everbody keeps talking about insurance....

I have an Idea, lets work on getting the cost of health care in line, screw the insurance.....

I got hurt up north, went to the hospital and was billed $3,500.00 for an xray 5 vicodin a cloth sling and a doctor who told me to go home and see a doctor...

I came home went to St Joes saw a doctor got an xray 50 vicodin and paid $86.00.....

Hmmm whats wrong with this picture.....that cloth sling must be the $3,416.00 difference...
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Old June 26th, 2009, 03:28 PM   #11
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Well medical costs are a bit rediculous...

We really should mandate what they can charge and what is too much...

Just like we should mandate how many times you can push the period key...

But I guess this is the land of the free where your alowed to do that sort of thing...
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Old June 26th, 2009, 03:37 PM   #12
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most at my work the mourning sun paper had to drop it, 1000.00 deductable for one person, I dropped everything except dental. most premiums are almost half our check, but the illegals and people who don't want to work get it all free. I make a little over the cutoff so I'm screwed
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Old June 26th, 2009, 04:47 PM   #13
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I have to say that with all the complaining about deductibles and stuff I have felt very lucky. I have med flex which covers all of my deductibles and copays pretax. Within the last 12 months Mike has had two back surgeries and even though I would say we have paid around 5k out in copays and deductibles, it isnt bad really. I would rather have him receive top notch care than live with what they have in Canada. My Canadian coworkers tell me horror stories about the government healthcare they have, and really when you look at what they pay in taxes is it free?
Doctors go to school for 8 years and then have residencies (very low pay) of 80 hours a week for 3 to 5 years and usually graduate with upwards of 200k-350k worth of student loans.
Having almost died and being saved by a great doctor, having a husband who has had two back surgeries, and having a husband who is pre-med has really changed my appreciation for our health system.
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Old June 26th, 2009, 05:47 PM   #14
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I have to say that with all the complaining about deductibles and stuff I have felt very lucky. I have med flex which covers all of my deductibles and copays pretax. Within the last 12 months Mike has had two back surgeries and even though I would say we have paid around 5k out in copays and deductibles, it isnt bad really. I would rather have him receive top notch care than live with what they have in Canada. My Canadian coworkers tell me horror stories about the government healthcare they have, and really when you look at what they pay in taxes is it free?
Doctors go to school for 8 years and then have residencies (very low pay) of 80 hours a week for 3 to 5 years and usually graduate with upwards of 200k-350k worth of student loans.
Having almost died and being saved by a great doctor, having a husband who has had two back surgeries, and having a husband who is pre-med has really changed my appreciation for our health system.

Our health care system is the best in the world. There are Government officials from foreign countries that come here for life threating conditions because here you will get the best we have and live to tell about it. We do not want scolialized health care. In Canada yo uwould die if they thought you lived a good life. A blood transfusion was to much, so they told an old lady of 72 you have had a good life so see ya. Brain cancer, a women was told she would die if not treated but you are on a six month waiting list, she went to her bank took out a loan and went to The Mayo Clinic in Minisota, had the operation and lived. Our health care is the best. I hope we do not lose it.
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Old June 26th, 2009, 06:21 PM   #15
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Well medical costs are a bit rediculous...

We really should mandate what they can charge and what is too much...

Just like we should mandate how many times you can push the period key...

But I guess this is the land of the free where your alowed to do that sort of thing...
Free enterprise, no way............................................... ..........................

Do you realize the government mandates you have insurance, and part of the Oblabla plan is to increase what they mandate you carry.

Insurance is part of the problem, not the solution....
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Old June 26th, 2009, 06:23 PM   #16
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Our health care system is the best in the world. There are Government officials from foreign countries that come here for life threating conditions because here you will get the best we have and live to tell about it. We do not want scolialized health care. In Canada yo uwould die if they thought you lived a good life. A blood transfusion was to much, so they told an old lady of 72 you have had a good life so see ya. Brain cancer, a women was told she would die if not treated but you are on a six month waiting list, she went to her bank took out a loan and went to The Mayo Clinic in Minisota, had the operation and lived. Our health care is the best. I hope we do not lose it.
Health care is NOT insurance, there in lies the problem...................
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Old June 26th, 2009, 06:25 PM   #17
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you really need to check your plan

for a family up to 5 on my plan with a 3000 deductible per family a year its on 247 per month 100 percent coverage after deductible


With 28 people, (which we get a discount for group rates) it's over $800 per month for a family of four.

$5 gen
$10 name brand
$10 co-pay for a visit

no deductible
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Old June 26th, 2009, 11:11 PM   #18
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Our health care system is the best in the world. There are Government officials from foreign countries that come here for life threating conditions because here you will get the best we have and live to tell about it. We do not want scolialized health care. In Canada yo uwould die if they thought you lived a good life. A blood transfusion was to much, so they told an old lady of 72 you have had a good life so see ya. Brain cancer, a women was told she would die if not treated but you are on a six month waiting list, she went to her bank took out a loan and went to The Mayo Clinic in Minisota, had the operation and lived. Our health care is the best. I hope we do not lose it.

Health care (as in insurance) and state of the art medical facilities are 2 different things.

These people you speak of do not come to the U.S. because of it's health care system. They come because of the care they receive. (not so sure about too many government officials)

Yep, money talks. If you have the money you will get great health care. If you do not, and have no insurance, you get none. But, you can go to any public hospital and receive basic health care, they can not turn you away.

The Canadian health care systems has problems, sure, but many successes as well. Waiting times are a problem, but then they are a problem here as well. At least in Canada if you have a health concern you do not have to decide whether to feed your kids or see a doctor as you may only have enough money for one and not the other.

What I would like to see is a program of affordable, or government supplied, BASIC health care. Just basic. You feel sick, you go to a doctor.

You want more, get insurance through an employer or on your own, or get the money for electives.

Just my humble opinion.
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Old June 26th, 2009, 11:19 PM   #19
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oh thats nothing. my dad was paying $2200 a month when he finally cut our health care. we had MCare until they were bought out by, what? oh, the "non-profit" Blues. They own over 70% of the health market in Michigan.

I cringe everytime i hear about the Blues and how theyre helping michigan. especially when they are SPONSORING Sporting events.
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Old June 26th, 2009, 11:24 PM   #20
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Originally Posted by Mr Toes View Post
Everbody keeps talking about insurance....

I have an Idea, lets work on getting the cost of health care in line, screw the insurance.....

I got hurt up north, went to the hospital and was billed $3,500.00 for an xray 5 vicodin a cloth sling and a doctor who told me to go home and see a doctor...

I came home went to St Joes saw a doctor got an xray 50 vicodin and paid $86.00.....

Hmmm whats wrong with this picture.....that cloth sling must be the $3,416.00 difference...
i hit my head and gashed it. it was bleeding pretty good and so i went to the emergency room because i was basically down to the bone.

they washed my hair, superglued the gash, tied a not in my hair to hold the super glue, and sent me on my way.

the bill, $550. for less than 15 mins.
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