Health Ins Problems

[Jbeckman]

This is about "Obamacare". Our family had this issue, in the ex's union, for over 15 years - every time there is a new contract. Not anything new.
Until the last contract it had been voted against. - Seriously, unless the current president has been in place for over 15 years - I would think anyone could draw a direct correlation.

 

[TPD]

Not sure how many of you realize it, but there are no longer "family rates" for health insurance. You will pay for each individual child you have, based on their age.

This is a good read on spousal/family coverage under employer plans - http://www.rethinkingobamacare.com/2013/09/18/suffer-children/

 

[ginwoman]

Wonder if it will be the same way for group policies TPD....where each employee is rated individually

 

[Vince]

What's the name of the company? Since you seem to have issues with typing in grammatically correct sentences, what exactly does the letter say?

You are a true obamite. Can't believe your stupidity.

 

[TPD]

Wonder if it will be the same way for group policies TPD....where each employee is rated individually

Group policies will rate individuals now based on age. Previously, the group policy was rated on the average age of the entire group. Not the case under Obamacare. If you are 50 years or older, be prepared for sticker shock when your group renewal comes up. Before Obamacare, I was able to offer and pay for the majority of my employees' health care. After ACA implementation, I discontinued healthcare coverage and sent the employees to the Maryland exchange - it was no longer affordable for me to offer health insurance as a benefit to my employees. I'm not a mean greedy employer - it's just the nature of the beast. Instead, the employees received monetary raises equal to the health insurance benefit they were receiving pre-ACA.

 

[PrchJrkr]

What's the name of the company? Since you seem to have issues with typing in grammatically correct sentences, what exactly does the letter say?

I'm not one to wish bad things on anyone, so I will refrain. I hope that when the big O's policies finally effect you, that you will have the good grace to apologize to all of us who see things as they are, and not how we fell they are.

 

[GWguy]

Instead, the employees received monetary raises equal to the health insurance benefit they were receiving pre-ACA.

I see that as fair, monetarily. I just wonder how much their benefits will change.

 

[TPD]

I see that as fair, monetarily. I just wonder how much their benefits will change.

Yeah - that is the big question. The Maryland exchange was absolutely no help in explaining the benefits. One of my employees told me that even after spending hours on the website AND phone and finally choosing a policy, the employee still had no clue what the plan included, what the deductibles were going to be, or even what the co-pays were. This employee wasn't 100% certain what the premium amount was. All of these questions were asked of a Maryland Health Exchange representative with no definitive answers, other than review the policy booklet once you receive it in the mail in 2-4 weeks, AFTER coverage begins.

 

[Chasey_Lane]

Not sure how many of you realize it, but there are no longer "family rates" for health insurance. You will pay for each individual child you have, based on their age.

This is a good read on spousal/family coverage under employer plans - http://www.rethinkingobamacare.com/2013/09/18/suffer-children/

Maybe I'm confused, but my company offers employee, employee and spouse, employee and children and family coverage. My husband's company is the same. What don't I understand about "no longer family rates?"

 

[somdforever]

why is this BS?

What a bunch of BS. It's going to continue to get worse as this new "plan" goes into effect. I pray everyone's eyes will open up but it might already be too late.

If her husband has the option of dropping his insurance at work and going under her plan, why shouldn't her premium increase? Her husband may have been paying $200-300 a month under his plan, while hers, with him on it, will only go up $100. Doesn't sound like BS to me! I can't believe she would be naive enough to think her premium wouldn't increase.

 

[ferdberfel]

So, a private insurer decides to change its policy or raise rates. Sounds like free market capitalism to me. You right wingers should be proud, that is the 'merican way! Those of you complaining sound like socialists!

 

[Chris0nllyn]

So, a private insurer decides to change its policy or raise rates. Sounds like free market capitalism to me. You right wingers should be proud, that is the 'merican way! Those of you complaining sound like socialists!

When those rate hikes and policy changes (rate hikes and policy changes that wouldn't have happened otherwise) are a reflection of a botched federal health plan, people have reason to be pissed.

If you think health insurance comapnies operate in a free market, you've got some learnin' to do.

 

[Sparx]

This has been insurance company policy since the Reagan administration when they started allowing subjugation of benefits. Before that, if you paid for two policies they both paid you your claims.

 

[TPD]

Maybe I'm confused, but my company offers employee, employee and spouse, employee and children and family coverage. My husband's company is the same. What don't I understand about "no longer family rates?"

Previously, family rates was a one price option that did not matter whether you had 1 kid or 5 kids. Under the new plan, as I understand it, you will pay an individual rate for EACH child you have, so the more kids you have, the more premium you pay. And I believe the rates will be adjusted based on the age of each kid.

 

[MarieB]

Not sure how many of you realize it, but there are no longer "family rates" for health insurance. You will pay for each individual child you have, based on their age.

This is a good read on spousal/family coverage under employer plans - http://www.rethinkingobamacare.com/2013/09/18/suffer-children/

We still have a family rate

 

[Chasey_Lane]

Previously, family rates was a one price option that did not matter whether you had 1 kid or 5 kids. Under the new plan, as I understand it, you will pay an individual rate for EACH child you have, so the more kids you have, the more premium you pay. And I believe the rates will be adjusted based on the age of each kid.

Well, that makes perfect sense. The more people you want to insure, the more you pay for the premium. I don't see anything wrong with this.

 

[vince77]

The University of Virginia has done the same thing UPS has done. It's a growing trend. This is getting so expensive for employers that when/if the employer mandate begins I would expect many companies to choose the $2000 penalty for each employee as opposed to providing insurance coverage.

 

[acommondisaster]

If her husband has the option of dropping his insurance at work and going under her plan, why shouldn't her premium increase? Her husband may have been paying $200-300 a month under his plan, while hers, with him on it, will only go up $100. Doesn't sound like BS to me! I can't believe she would be naive enough to think her premium wouldn't increase.

No, she'll pay for the plan that includes her husband (which will cost more than her individual plan) AND pay an extra $100 premium because he is eligible for coverage through his employer, but chose not to take it. It's a sort of a "tax", though it's not called a tax.