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Old 10-27-2012, 11:25 PM   #1
325seeeye
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Open Enrollment

My health care plans for 2013 suck. How is everyone else's?

Our company used to offer 3 options of traditonal coverage (call it "low-medium-high") and one health savings (HSA) option. This year, we have a single sh!tty traditional option (reduced benefits and higher cost than 2012) and one slightly improved HSA (compared to 2012 HSA). The only thing "improved" is the no-cost preventative care visit. All other co-pays and coverages are higher, as well as the premium. And new for 2013 is the carrot-in-our-face incentive to do biometric databasing of our health for a few hundred dollars tossed at us. Drug coverage remains unchanged for 2013, but will change for 2014 (I don't know the details yet)

I am curious who is in better shape for 2013 (versus 2012)? Anyone? Just wondering if my company has bad negotiators. Our corporate spin is present, with terminology like "exciting new health options". But they also blatently admit that the coverages are a move to navigate through PPACA requirements and liabilities. Overall, I am missing my previous health options a lot.
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Old 10-27-2012, 11:27 PM   #2
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Haven't checked. I need to go in and look at the plans and see what is being offered now.

I know for sure I still have my HSA and I don't believe anything has changed with that.
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Old 10-28-2012, 08:16 AM   #3
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My coverage has gotten more expensive every year as long as I've worked for this company. Options have changed about every other year for the last 8 or so years.
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Old 10-28-2013, 04:21 PM   #4
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Update for 2013-2014 (my last post 1-year ago).

To recap last year, my 2012-2013 offering dropped Blue Cross / Blue Shield for United Health Care, and they offered sh!ttier plans as I outlined in Post #1. I sorely miss BC/BS, as it was a great provider accepted by all. So far in 2013, I have had to drop 1 doctor because they did not accept United Health Care. My premiums for United went up 10% from BC/BS and the coverage was down. I have spent a few hundred more this year than in all previous years, paying for the lab work and office visits that my reduced coverage didn't provide.

NOW Open Enrollment for 2013-2014...............

My policy premium is double what it was in 2013. DOUBLE. That is some mother fcvking bullsh!t. Bullsh!t.

Obama can go fcvk himself. Back in Clinton's day, I would have respected him if he said "Yeah I smoked it". And with Obama, I might not have liked it if he said "your premiums will go up to pay for all the freebies this will provide". But at least I would have respected him. As it stands, he is lying piece of sh!t who I hope ends his political career with gonorrhea (and can't get a specialist for it).

I can't believe Obama, with a straight face, promoted this pile of sh!t. This didn't tax the 1% or the big, bad corporations. It is an indirect tax, channeled through our premiums.
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Old 10-28-2013, 04:34 PM   #5
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Quote:
Originally Posted by 325seeeye View Post
Update for 2013-2014 (my last post 1-year ago).

To recap last year, my 2012-2013 offering dropped Blue Cross / Blue Shield for United Health Care, and they offered sh!ttier plans as I outlined in Post #1. I sorely miss BC/BS, as it was a great provider accepted by all. So far in 2013, I have had to drop 1 doctor because they did not accept United Health Care. My premiums for United went up 10% from BC/BS and the coverage was down. I have spent a few hundred more this year than in all previous years, paying for the lab work and office visits that my reduced coverage didn't provide.

NOW Open Enrollment for 2013-2014...............

My policy premium is double what it was in 2013. DOUBLE. That is some mother fcvking bullsh!t. Bullsh!t.

Obama can go fcvk himself. Back in Clinton's day, I would have respected him if he said "Yeah I smoked it". And with Obama, I might not have liked it if he said "your premiums will go up to pay for all the freebies this will provide". But at least I would have respected him. As it stands, he is lying piece of sh!t who I hope ends his political career with gonorrhea (and can't get a specialist for it).

I can't believe Obama, with a straight face, promoted this pile of sh!t. This didn't tax the 1% or the big, bad corporations. It is an indirect tax, channeled through our premiums.
Your claim of your premium doubling is directly the fault of Obama?
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Old 10-28-2013, 04:44 PM   #6
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Your claim of your premium doubling is directly the fault of Obama?
My thoughts exactly.




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Old 10-28-2013, 04:46 PM   #7
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Your claim of your premium doubling is directly the fault of Obama?
Directly the fault of PPACA, which is Obama's baby. So, yeah, it is his fault.

United projected their expenses and outlays, and it resulted in our premium increase.

I still welcome anyone else's personal experiences (which is what I asked for last year, with little interest). I am sure other people aren't experiencing a doubling of premiums. So perhaps my company has sh!tty negotiators (my company is large, not some local shop). Feel free to add you own experience with premium costs.

You can belittle my point by saying "your claim of premium doubling". I am not Chase. I don't often make a thread about these things. All you can take it as is my honest story. And it has doubled, almost exactly from last year (it is $1 off from doubling). Complete bullsh!t.

Md, I am in Open Enrollment for 2014. We haven't signed up for the plans yet. This is a choice for our 2014 plan. Our 2013 plan is in effect until Dec 31.
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Old 10-28-2013, 04:49 PM   #8
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Originally Posted by 325seeeye View Post

Md, I am in Open Enrollment for 2014. We haven't signed up for the plans yet. This is a choice for our 2014 plan. Our 2013 plan is in effect until Dec 31.
Yeah I caught that when re-read your post. my bad



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Old 10-28-2013, 04:54 PM   #9
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Originally Posted by 325seeeye View Post
Directly the fault of PPACA, which is Obama's baby. So, yeah, it is his fault.

United projected their expenses and outlays, and it resulted in our premium increase.

I still welcome anyone else's personal experiences (which is what I asked for last year, with little interest). I am sure other people aren't experiencing a doubling of premiums. So perhaps my company has sh!tty negotiators (my company is large, not some local shop). Feel free to add you own experience with premium costs.

You can belittle my point by saying "your claim of premium doubling". I am not Chase. I don't often make a thread about these things. All you can take it as is my honest story. And it has doubled, almost exactly from last year (it is $1 off from doubling). Complete bullsh!t.

Md, I am in Open Enrollment for 2014. We haven't signed up for the plans yet. This is a choice for our 2014 plan. Our 2013 plan is in effect until Dec 31.
Excuse the skepticism. Too many characters (kaput, chase, etc.) on this forum make false claims or make claims without any actual understanding of the situation.

For me, there has been no increase.

For United, why is there an increase in projected expenses?

Are they making up for the people they suspect they will lose because of the ACA, so they are passing the loss of profits from projected lost customers onto their current customers?
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Old 10-28-2013, 04:59 PM   #10
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Re: Open Enrollment

If you like your current plan, you can keep it (it will just bankrupt you).

'murica. Land of the free, mobile home of the brave!




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Old 10-28-2013, 05:00 PM   #11
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Quote:
Originally Posted by 325seeeye View Post
Update for 2013-2014 (my last post 1-year ago).

To recap last year, my 2012-2013 offering dropped Blue Cross / Blue Shield for United Health Care, and they offered sh!ttier plans as I outlined in Post #1. I sorely miss BC/BS, as it was a great provider accepted by all. So far in 2013, I have had to drop 1 doctor because they did not accept United Health Care. My premiums for United went up 10% from BC/BS and the coverage was down. I have spent a few hundred more this year than in all previous years, paying for the lab work and office visits that my reduced coverage didn't provide.

NOW Open Enrollment for 2013-2014...............

My policy premium is double what it was in 2013. DOUBLE. That is some mother fcvking bullsh!t. Bullsh!t.

Obama can go fcvk himself. Back in Clinton's day, I would have respected him if he said "Yeah I smoked it". And with Obama, I might not have liked it if he said "your premiums will go up to pay for all the freebies this will provide". But at least I would have respected him. As it stands, he is lying piece of sh!t who I hope ends his political career with gonorrhea (and can't get a specialist for it).

I can't believe Obama, with a straight face, promoted this pile of sh!t. This didn't tax the 1% or the big, bad corporations. It is an indirect tax, channeled through our premiums.
I call on your post.
How is this Obama's fault?
You're dealing with private insurance companies. In case you don't like them, Obama is offering an alternative (if and when his website works, but that's a separate story). You can bitch about Obamacare all day. You don't have to use them.
Without Obamacare (like the Republicans want), you're dealing with your private insurance companies. Deal with it.
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Old 10-28-2013, 05:28 PM   #12
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Kicks ass. Lurve mah coverage
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Old 10-28-2013, 05:29 PM   #13
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Re: Open Enrollment

Quote:
Originally Posted by Master Po View Post
I call on your post.
How is this Obama's fault?
You're dealing with private insurance companies. In case you don't like them, Obama is offering an alternative (if and when his website works, but that's a separate story). You can bitch about Obamacare all day. You don't have to use them.
Without Obamacare (like the Republicans want), you're dealing with your private insurance companies. Deal with it.
Maybe OP doesn't mind dealing without the market distortions government is creating?

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Old 10-28-2013, 06:09 PM   #14
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Corporations fk you, make huge profits, convince you that it's the government's fault.

Capitalism. It isn't for the stupid.
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Old 10-28-2013, 08:28 PM   #15
325seeeye
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Originally Posted by badfast View Post
For United, why is there an increase in projected expenses?

Are they making up for the people they suspect they will lose because of the ACA, so they are passing the loss of profits from projected lost customers onto their current customers?
HR gave taxes and coverage increases as the excuse.

I have no illusions that insurance companies don't cover their own a$$ first, then worry about anyone else.

Quote:
Originally Posted by Master Po View Post
I call on your post.
How is this Obama's fault?
You're dealing with private insurance companies. In case you don't like them, Obama is offering an alternative (if and when his website works, but that's a separate story). You can bitch about Obamacare all day. You don't have to use them.
Without Obamacare (like the Republicans want), you're dealing with your private insurance companies. Deal with it.
There are taxes on employers, and insurance providers because of PPACA. Those pass straight through to the consumer. I don't blame companies for passing on these costs. Who thinks companies will pay the costs without passing them on in the form of higher cost of goods and services?

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Corporations fk you, make huge profits, convince you that it's the government's fault.

Capitalism. It isn't for the stupid.
I am not blind enough to think corporations aren't greedy. I am also not blind enough to think the government isn't greedy.

Bottom line - I think Obama got almost ever speech wrong about this legislation. And I think in a few more decades, it will be as unmanagable as any other government run program. Only, unlike private insurance, we won't have a choice on paying it.
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Old 10-28-2013, 10:23 PM   #16
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Originally Posted by 325seeeye View Post
HR gave taxes and coverage increases as the excuse.

I have no illusions that insurance companies don't cover their own a$$ first, then worry about anyone else.



There are taxes on employers, and insurance providers because of PPACA. Those pass straight through to the consumer. I don't blame companies for passing on these costs. Who thinks companies will pay the costs without passing them on in the form of higher cost of goods and services?



I am not blind enough to think corporations aren't greedy. I am also not blind enough to think the government isn't greedy.

Bottom line - I think Obama got almost ever speech wrong about this legislation. And I think in a few more decades, it will be as unmanagable as any other government run program. Only, unlike private insurance, we won't have a choice on paying it.
You'll always have a choice.
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Old 10-28-2013, 11:21 PM   #17
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Your claim of your premium doubling is directly the fault of Obama?
I wonder at what point you will admit that all of this is directly due to the ACA.
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Old 10-28-2013, 11:23 PM   #18
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Excuse the skepticism. Too many characters (kaput, chase, etc.) on this forum make false claims or make claims without any actual understanding of the situation.

For me, there has been no increase.

For United, why is there an increase in projected expenses?

Are they making up for the people they suspect they will lose because of the ACA, so they are passing the loss of profits from projected lost customers onto their current customers?
BS. Either you work for the government (you always refuse to reveal your employment) or your premiums went up but your employer is kind enough to pay for you. In any case, your bolded statement is not true.
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Old 10-28-2013, 11:24 PM   #19
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If you like your current plan, you can keep it (it will just bankrupt you).

'murica. Land of the free, mobile home of the brave!




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Documents have been released (IRS form) showing that the IRS knew that people would NOT be able to keep their plans/doctors in 2010. Obama flat out lied to the populace. The people deserve the government they elect. Over 14 million people are set to lose their insurance before the end of the year.

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Old 10-28-2013, 11:27 PM   #20
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I wonder at what point you will admit that all of this is directly due to the ACA.
Please publish the particular section of the ACA that mandates a higher premium from your insurance company.
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