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Old 03-26-2013, 09:35 AM  
luv luv is offline
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Obamacare in English?

Explain it to me like I'm four years old.

I'm sitting here making decisions on health care coverage knowing that it's all changing in 10 months. What exactly do I have to look forward to? I know that younger people will be paying more. Is 37 (which is how old I will be at that time) considered young?

HELP!
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Old 03-26-2013, 03:09 PM   #61
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in a few years, each state will probably have a "revision" and pass laws that allow them to double, triple, hell maybe even quadruple your premiums based on averages in your zip code.
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Old 03-26-2013, 03:14 PM   #62
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There was a really nice article on this awhile ago in Time, called "Bitter Pill", but it's now been pay-walled. If you can find it online anywhere, I'd encourage you to read it.
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Old 03-26-2013, 03:17 PM   #63
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Right now, due to the one attorney's wife, my current premium is $545 per month. I priced my own, with practically the same coverage, network, deductible, etc, added vision and dental, and it was $265 per month. My employer pays $400 of group coverage, though. I could go off on my own, but then they technically wouldn't have to pay for me, because it wouldn't be group coverage. Me and and one attorney could save hundred (thousands for the attorney) by doing individual plans, but the other attorney freaked. He'd be losing his currently already met deductible, and his premium would be higher. He wants us to stay on the group plan until his wife's preexisting condition doesn't matter. So, we will all probably be going to individual policies next year, but I have a feeling I'd be getting screwed in that deal since I'm younger. Hopefully, they'll still cover the $400.

For this year, my current plan will jump to $577 per month. The cheaper of the policies I listed earlier is $471.
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Old 03-26-2013, 03:18 PM   #64
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Originally Posted by luv View Post
For now, I either have no deductible, and I pay for 30% of everything up to $3000. The other has a $3000 deductible, then covers 100%. The latter saves me $80 per month.

That's virtually the only difference between the two. I'm thinking I'm going to go cheaper, and pray I'm not hospitalized. Up till now, I've never reached my out of pocket.
Do you find that you have a lot of medical expenses of the minor variety throughout the year or are you someone who rarely goes to the doctor unless it's something really significant? How much did you go to the doctor last year? How many prescriptions did you get filled?

Also, do you have access to a Health Savings Account. They're like IRAs for health care expenses. For young, relatively healthy people, a combination of the cheap, high-deductible insurance plan along with an HSA is probably your best bet.
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Old 03-26-2013, 03:20 PM   #65
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Quote:
Originally Posted by patteeu View Post
Do you find that you have a lot of medical expenses of the minor variety throughout the year or are you someone who rarely goes to the doctor unless it's something really significant? How much did you go to the doctor last year? How many prescriptions did you get filled?

Also, do you have access to a Health Savings Account. They're like IRAs for health care expenses. For young, relatively healthy people, a combination of the cheap, high-deductible insurance plan along with an HSA is probably your best bet.
I went to the doctor twice last year. Once for my wellness visit, which is completely covered, and once when I had the flu. I get birth control every month. I basically have to do what's best for the attorneys unless I want to pay for my own health care. Kind of sucks.
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Old 03-26-2013, 03:21 PM   #66
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I didn't blow any smoke. BEP said premiums have risen sharply since Obama and I (correctly) stated that premiums have been rising for several years and that the rate of increase has been less in the last few years.
Selective perception is neat!
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Old 03-26-2013, 03:22 PM   #67
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Originally Posted by cosmo20002 View Post
Pick whatever you think is best without regard to Obamacare. It has nothing to do with what you are choosing now.
I agree with this.
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Old 03-26-2013, 03:25 PM   #68
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Maybe we should just die to save the gov't money. They obviously don't give a crap about their veterans. Wait until they start reducing our retirement....Did you see that story of how outstanding VA claims have jumped from 300,000 to almost a million since 2009? Absolutely ludicrous
One war's over and the other one is winding down, the government is all out of F's to give.
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Old 03-26-2013, 03:30 PM   #69
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Quote:
Originally Posted by luv View Post
For now, I either have no deductible, and I pay for 30% of everything up to $3000. The other has a $3000 deductible, then covers 100%. The latter saves me $80 per month.

That's virtually the only difference between the two. I'm thinking I'm going to go cheaper, and pray I'm not hospitalized. Up till now, I've never reached my out of pocket.
If you go that way, you know you save $960 per year unless you actually go to a doctor. If you go the other way, you have to incur $1370 worth of medical expenses to break even. So you can think about the medical expenses you (and your insurance company if any) incurred last year and make your decision accordingly.

Honestly, it doesn't take many trips to the doctor to rack up that kind of expense, but it's also not unreasonable to believe that you can avoid it if you're relatively healthy. A basic visit will cost somewhere between $80-$100 if they don't do any tests. Testing can get pretty pricey, especially radiology. Prescriptions can also be pretty costly if you're paying full price out of pocket. And don't even glance at a hospital when you drive by.
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Old 03-26-2013, 03:34 PM   #70
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Originally Posted by luv View Post
I went to the doctor twice last year. Once for my wellness visit, which is completely covered, and once when I had the flu. I get birth control every month. I basically have to do what's best for the attorneys unless I want to pay for my own health care. Kind of sucks.
I'd go with the cheaper, high-deductible plan in that case. And if you get the sniffles, try to make due with over-the-counter stuff unless you get real bad, which is what it sounds like you do. Get your birth control and any other prescriptions somewhere like walmart where you can get them for some nominal amount ($4?).
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Old 03-26-2013, 03:35 PM   #71
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Quote:
Originally Posted by patteeu View Post
If you go that way, you know you save $960 per year unless you actually go to a doctor. If you go the other way, you have to incur $1370 worth of medical expenses to break even. So you can think about the medical expenses you (and your insurance company if any) incurred last year and make your decision accordingly.

Honestly, it doesn't take many trips to the doctor to rack up that kind of expense, but it's also not unreasonable to believe that you can avoid it if you're relatively healthy. A basic visit will cost somewhere between $80-$100 if they don't do any tests. Testing can get pretty pricey, especially radiology. Prescriptions can also be pretty costly if you're paying full price out of pocket. And don't even glance at a hospital when you drive by.
$30 Doctor's office co-pay. And I have a generic prescription plan. I typically only go for my annual wellness check (all that womanly stuff), which is covered 100%.
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Old 03-26-2013, 03:41 PM   #72
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Originally Posted by luv View Post
$30 Doctor's office co-pay. And I have a generic prescription plan. I typically only go for my annual wellness check (all that womanly stuff), which is covered 100%.
The actual charge of the office visit is more important here than what your co-pay was, because that's what you're going to be paying out-of-pocket under the cheaper plan. But you seem healthy enough and restrained enough when it comes to going to the doctor that you should do fine with the cheaper plan. And if you do get into a car accident or something, you're still limited to $3k exposure, which isn't very bad considering how expensive a hospital stay can be. Let's hope you don't have to worry about that though.
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Old 03-26-2013, 04:00 PM   #73
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Originally Posted by patteeu View Post
The actual charge of the office visit is more important here than what your co-pay was, because that's what you're going to be paying out-of-pocket under the cheaper plan. But you seem healthy enough and restrained enough when it comes to going to the doctor that you should do fine with the cheaper plan. And if you do get into a car accident or something, you're still limited to $3k exposure, which isn't very bad considering how expensive a hospital stay can be. Let's hope you don't have to worry about that though.
Cheaper plan also has the office co-pays. Basically, the only thing that changes it is outpatient or inpatient procedures.
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Old 03-26-2013, 04:17 PM   #74
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Originally Posted by patteeu View Post
Do you find that you have a lot of medical expenses of the minor variety throughout the year or are you someone who rarely goes to the doctor unless it's something really significant? How much did you go to the doctor last year? How many prescriptions did you get filled?

Also, do you have access to a Health Savings Account. They're like IRAs for health care expenses. For young, relatively healthy people, a combination of the cheap, high-deductible insurance plan along with an HSA is probably your best bet.
This is what my daughters employer opted to do. I don't really understand the mechanics of the deal but I think the company contributes X amount to the HSA on a monthly basis. She pays a portion of the High Deductible plan and the company picks up the rest. IIRC her portion seemed kind of steep comparatively to her salary.
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Old 03-26-2013, 04:23 PM   #75
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This is what my daughters employer opted to do. I don't really understand the mechanics of the deal but I think the company contributes X amount to the HSA on a monthly basis. She pays a portion of the High Deductible plan and the company picks up the rest. IIRC her portion seemed kind of steep comparatively to her salary.
They also reduced the amount you can contribute to HSA's...
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