Posts Tagged ‘obamacare



21
Mar
15

What the Affordable Care Act means to me…. coverage for $1/month!

I’m not sure where to begin…so let me go back to a little over three years ago when I had to begin the process of purchasing health care on the individual market.

I was no longer able to stay on my parents plan and my COBRA coverage had run out from my previous employer (somewhat ironically selling Healthcare/Life insurance) and thus began an exhaustive search for an affordable option.

I had several pre-existing conditions due to basketball/tennis related injuries that required several surgeries and had moved backed to Indianapolis to help my father recover from serious heart problems. The job market wasn’t great at the time so I figured I would work part-time and go back to school.

After finally settling on what I thought would be the kind of coverage ideal for me, I purchased a plan from Anthem Blue Cross/Blue Shield. They are the largest insurance provider in the state and had a decent plan that fit my needs. It was called the Lumina 2500.

The plan was pretty cheap (139/month) considering it was on the individual market. The crux of the plan was I would have no co-pay for doctor visits/ER/pharmacy, but I had to pay the negotiated price between the provider/insurance companies in full.

For example: If I got sick and went to the family physician and the bill was ~ $200 I would end up paying $80, if the medicine was ~ $60 I would pay ~ 25 depending of if there was a generic available (the ~ $85 total all of went toward my deductible of $2500 which was also the maximum out-of-pocket for the year).

This plan worked for me because I knew no matter what happened in a given year I would never have more $4000 in expenses (including my premium). I only got one major cold during the three  following years so I thought this was great. ABBS did jack my rate up ~20% every year (2014 premium was $180) but I  could live with that since the Affordable Care Act would be available shortly.

 To my chagrin, Gov. Pence did not set up a state exchange last year and also didn’t expand Medicaid.

At the end of 2013 I decided to go to school full-time in the hopes to get into a radiology program. At the same time I was hoping to find a better option on the national healthcare marketplace once it was rolled out. I came to find out that Anthem dominated the insurance market here in the state of Indiana (they were essentially the only company that joined the marketplace that had good in-network providers)….. the kicker was being a pseudo monopoly all their comparable plans were actually closer to $400/month. Since I didn’t have enough taxable income, I also didn’t qualify for any subsidies so I was stuck with my current plan & the expectation of a rate hike ever year…. or so I thought.

Around early Nov. 2014, Anthem announced that it was discontinuing my insurance plan and I had to find another one through them or another insurance company. The insurance commissioner of our state was one of only two in the country (according to Anthem, Connecticut was the other) that were not extending the grandfather clause of allowing you to keep your insurance plan if you liked it.

Continue reading ‘What the Affordable Care Act means to me…. coverage for $1/month!’

18
Mar
15

GOP Screams Lame Duck! President Obama Moves America Forward

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Stephen Collinson: Obama Redefines The Lame Duck Presidency

At the time in his tenure when most presidents fret over their waning clout, Barack Obama is redefining the concept of the lame duck. His administration has been energized by his aggressive use of executive power. Some of the most hard-won achievements of his early years in office are beginning to pay off. And his political luck seems to be turning. With a term and a half behind him, Obama’s prospects are brighter than they have been for years. Though Republicans paint Obama’s glass as half full, and argued that the administration is overstating its record, that hasn’t rattled the man in the Oval Office.

Obama JayZ

The new sense of serenity in the White House solidified this week with figures showing that more than 16 million people have now signed up for health plans under Obamacare, the president’s top domestic achievement. That news came on the heels of booming jobs growth numbers and a tangible feeling that after years of slow recovery, things are looking up economically. The unemployment rate, at 5.5%, is at its lowest point since May 2008, before the Great Recession. And the U.S. economy is in much better shape than most of its rivals in the developed world. The White House believes that its initiatives on community college funding, the president’s moves to regulate the Internet and actions to reshape the immigration system are delivering a political dividend,

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reasoning that many Americans are happy to see gridlock broken and the president taking action, a factor that might be partly reflected in Obama’s better poll numbers. Obama, meanwhile, more relaxed than ever. He’s speaking about race more freely than any time since he became president, notably in his speech on the 50th anniversary of the Selma civil rights marches earlier this month. And the White House counts a climate accord with China and a visit to India earlier this year as big wins for its strategy of rebalancing foreign policy towards Asia. The GOP, for its part, is learning what the White House found out years ago — that winning the Senate last year, and with it control of both chambers of Congress, brings its own problems.

More here

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16
Mar
15

A Tweet Or Two

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This should make any decent human being want to vomit. Murder a Black child, get applauded

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A MUST read

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Continue reading ‘A Tweet Or Two’

16
Mar
15

16.4M Thanks to President Barack Obama

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16
Mar
15

ObamaCare Sets Another Record

 

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Yasmeen Abutaleb: Nearly 11.7 Million Signed Up For Obamacare Health Insurance: HHS

Nearly 11.7 million people have either signed up or re-enrolled for insurance coverage under the U.S. healthcare reform law, more than the 9.1 million predicted by the Obama administration,health officials said on Tuesday. As of Feb. 22, about 8.8 million signed up in one of the 37 states that use online exchanges operated by the federal government and 2.85 million were in the 14 states, and Washington, D.C., that operate their own exchanges, the Department of Health and Human Services said in a statement. In the states that use the federal exchange, called healthcare.gov,

87 percent qualified for a tax credit averaging $263 per month, according to HHS. It said more than half of consumers in states using healthcare.gov bought a plan that cost $100 or less after tax credits. Enrollment across the board has largely exceeded expectations, health officials said. The enrollment period for 2015 coverage opened on Nov. 15 and closed on Feb. 15. More than 4.1 million people under 35 years old have purchased health insurance through state and federal exchanges, the HHS said Tuesday, about a third of enrollees.

More here

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