(UPDATED) Trying to stay out of the Obamacare debate...

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  • unsung
    unsung I stopped by on March 7 2024. First time in many years, had to update payment info. Hope all is well. Politicians suck. Bye. Posts: 9,487
    otter wrote:

    "If you like your insurance plan; you can keep it" Obama


    MANY people are figuring out that this was just another lie.
  • Shawshank
    Shawshank Posts: 1,018
    Well, I've been able to log in for a few days now, which is a start. However after I spend 15 minutes completing the slow ass application, I go to review and sign and everything seems to be ok. Then when I go to my profile it says application is "incomplete". I look at my app and it doesn't list anyone as requesting insurance. :fp: I then have to go back through the entire app again. I've done this 5 times so far.

    It appears that complete idiots have designed this site though. I build quite a few websites, and one of the first things you do when you design a site that you feel is going to be getting a lot of traffic is trim the fat. Your coding has to be lean and mean, and the absolute bare minimum. You can do this and still make it look nice and functional. However, if you take a look at the .JS coding for the reg process on the healthcare.gov site anyone with a shred of html experience will tell you this will never ever ever work on a site that is intended to get a lot of traffic. I don't care how many servers you have sharing the load...

    https://www.healthcare.gov/marketplace/global/en_US/registration.js
  • DriftingByTheStorm
    DriftingByTheStorm Posts: 8,684
    unsung wrote:
    otter wrote:

    "If you like your insurance plan; you can keep it" Obama


    MANY people are figuring out that this was just another lie.

    Lies? What lies !?!
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • unsung
    unsung I stopped by on March 7 2024. First time in many years, had to update payment info. Hope all is well. Politicians suck. Bye. Posts: 9,487
    Whoops!

    We need to repeal this disaster.
  • Go Beavers
    Go Beavers Posts: 9,546
    unsung wrote:
    Whoops!

    We need to repeal this disaster.

    How do you know it's a disaster already?
  • ajedigecko
    ajedigecko \m/deplorable af \m/ Posts: 2,431
    The exempt list.

    Quantifies it as horrible.
    live and let live...unless it violates the pearligious doctrine.
  • DriftingByTheStorm
    DriftingByTheStorm Posts: 8,684
    ajedigecko wrote:
    The exempt list.

    Quantifies it as horrible.

    I'm sorry, SERIOUSLY?

    You can qualify for TAX EXEMPTIONS based on religion?politics? what?

    "I'm sorry, IRS. I don't want to pay THIS tax, it's against my _____."
    ???
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • Shawshank
    Shawshank Posts: 1,018
    I have literally spent over 3 hours of my life this week trying to complete my application. Each time getting the same result where it doesn't save it completely to my account and it basically puts me back at step one. This is beyond frustrating. I don't have time to be sitting on the phone do get this completed, but that might be my only option.

    Here's the problem I see coming down the pike. If I find that the plans here in the market place absolutely suck, which from what I've been reading, they do. Then I'll have to go and get a more expensive plan from my current provider, or a different company. In most brand new policies you have a 30 to 90 day waiting period for major medical coverage (unless you want to pay more), so I'm getting close to a time crunch here, where my current insurance is going to expire, and I HAVE to have a policy to take it's place without having a lapse.

    Either way, with every passing minute I deal with this bullshit I get more and more pissed off. Can anyone give me a valid reason as to why I'm too fucking stupid to make my own financial decisions when it comes to my insurance?????? So I had the perfect insurance plan in place, it was exactly what we needed, and had worked perfectly for us. So that gets eliminated because of all this healthcare crap, and now I'm most likely going to end up paying more. I don't give ONE FLYING FUCK about having a lower deductible, and anyone who would pay double on their premiums just to save 3 or 4 thousand dollars on a deductible is just plain stupid financially speaking.
  • know1
    know1 Posts: 6,801
    Shawshank wrote:
    and anyone who would pay double on their premiums just to save 3 or 4 thousand dollars on a deductible is just plain stupid financially speaking.

    And it's amazing how many people just want the lowest payments possible on anything and do not care what it will cost them.

    It's simple people. You WILL save money on the higher deductible plans. All you have to do is take the extra money you're not paying on the premiums and put it into a medical fund to pay the deductible. Sadly, people just don't have the will power to do it.

    I think I'm going to end every post that I write about health insurance with a reminder that health insurance DOES NOT EQUAL health care. Too many people believe that it does.
    The only people we should try to get even with...
    ...are those who've helped us.

    Right 'round the corner could be bigger than ourselves.
  • Shawshank
    Shawshank Posts: 1,018
    Anyone been able to log in and apply to the point where you can actually see the rates??
  • dancepartner
    dancepartner Posts: 324
    Shawshank wrote:
    Anyone been able to log in and apply to the point where you can actually see the rates??

    I tuned out to this a while back; got sick of trying to keep up but now that we have a timeframe I've accepted the fact that I need to tune back in so I figured I'd check in here to see what homework anyone has offered. I'm following your saga. Thanks for taking the time to give us a play by play.
  • concertaholicshirt
    concertaholicshirt Posts: 263
    Just some thoughts....

    "The road to hell is paved with good intentions."

    It can be argued that the US provides the best healthcare in the world, but it also seems that it has the worst healthcare delivery system in the developed world. The ACA is an attempt to ameliorate the latter aspect, and it is way too early to tell if it will be effective, or if the cost will be bearable for Joe & Jane SixPack.

    Most politicians from both the GOP and Dems are vile liars.

    People can laud various new mandatory coverages, such as birth control, but don't be stunned that policies cost more. People can laud many mandatory coverages that don't have co-pays, but don't be stunned that policies cost more. People can laud low caps on deductibles, but don't be stunned that policies cost more. It's basic economics.

    Any other aspects aside, the GOP were idiots for forcing the shutdown, as it kept the epic fail of the first days of the ACA from being the only story on which people were focused.

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  • Jason P
    Jason P Posts: 19,295
    A $394M government funded website is failing. Shocking ...

    edit:

    I didn't include a prior $93M contract that will bring the cost to almost $500M. And the government has requested $2,000,000,000 to build and operate "federally facilitated exchanges” (FFEs) – the complex system that includes Healthcare.gov as well as certain state-based exchanges – the data hub, and other expenditures related to the Obamacare exchange system.
    Read more: http://www.digitaltrends.com/opinion/ob ... z2iS4iQ2za

    For comparison, Facebook operated for six years before surpassing the $500M mark.

    LinkedIn needed to raise $200M to be built

    Spotify needed $217M to be built

    Twitter needed $360M to be built
    Be Excellent To Each Other
    Party On, Dudes!
  • Go Beavers
    Go Beavers Posts: 9,546
    Jason P wrote:
    A $394M government funded website is failing. Shocking ...

    edit:

    I didn't include a prior $93M contract that will bring the cost to almost $500M. And the government has requested $2,000,000,000 to build and operate "federally facilitated exchanges” (FFEs) – the complex system that includes Healthcare.gov as well as certain state-based exchanges – the data hub, and other expenditures related to the Obamacare exchange system.
    Read more: http://www.digitaltrends.com/opinion/ob ... z2iS4iQ2za

    For comparison, Facebook operated for six years before surpassing the $500M mark.

    LinkedIn needed to raise $200M to be built

    Spotify needed $217M to be built

    Twitter needed $360M to be built

    Those companies probably didn't contract out for another company to do the work.
  • Jason P
    Jason P Posts: 19,295
    Go Beavers wrote:
    Those companies probably didn't contract out for another company to do the work.
    Those companies are responsible for their finished product.
    Be Excellent To Each Other
    Party On, Dudes!
  • hedonist
    hedonist Posts: 24,524
    Jason P wrote:
    Go Beavers wrote:
    Those companies probably didn't contract out for another company to do the work.
    Those companies are responsible for their finished product.
    I can't even get to SEE the finished product in this case.

    To Shawshank and the rest of us in similar boats, hope we can all hang in there.
  • Shawshank
    Shawshank Posts: 1,018
    I've previewed the rates (a new feature of the site) and it appears my premiums are going to be around $650. This is $250 more per month than I was paying on my old plan. My max out of pocket will be around $5,000.

    In my opinion, this FUCKING SUCKS! My current insurance has a decent premium and I had a max out of pocket of $7,500. We hardly EVER go to the doctor for anything. So let's recap where we are at this point:

    Current insurance got cancelled: $400/mo or $4,800 per year with a $7,500 deductible/max out of pocket.
    New policy: $650/mo or $7,800 per year with a $5,000 max out of pocket.

    So I'm going to be spending $3,000 more per year to save $2,500 on my max out of pocket? Does that sound as stupid to anyone else as it does to me??? I'm now going to be paying an insurance company $3,000 more per year, and I mostly likely won't even use it. Makes perfect sense. :crazy:

    I've said it before and I'll say it again, if you spend more money on insurance to lower your deductible, you my friend, are a moron.

    097.gif097.gif097.gif097.gif OBAMACARE / REPUBLICANS / DEMS 097.gif097.gif097.gif097.gif


    Looks like the same shit is hitting the fan in Florida as well.

    http://www.kaiserhealthnews.org/Stories/2013/October/21/cancellation-notices-health-insurance.aspx
  • jethrojam420
    jethrojam420 Foxborough MA Posts: 1,075
    Shawshank wrote:

    I've said it before and I'll say it again, if you spend more money on insurance to lower your deductible, you my friend, are a moron.

    I get the insurance through my work. the only other viable option would be the insurance through my wife's work. I spend more money to lower my deductible and my out of pkt max. For one, it is a tax write off. for another, I always hit the max by February because my wife has a chronic illness that is expensive to keep tabs on. I am sure that in perfect health it would not make sense, but I just wanted to point out that there are points to a lowered deductible.
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  • Shawshank
    Shawshank Posts: 1,018
    jethrojam420 wrote:
    I get the insurance through my work. the only other viable option would be the insurance through my wife's work. I spend more money to lower my deductible and my out of pkt max. For one, it is a tax write off. for another, I always hit the max by February because my wife has a chronic illness that is expensive to keep tabs on. I am sure that in perfect health it would not make sense, but I just wanted to point out that there are points to a lowered deductible.

    For sure that's a different scenario with chronic illnesses, and would be completely understandable. Hope all is well with your wife.
  • Go Beavers
    Go Beavers Posts: 9,546
    Shawshank wrote:
    I

    So I'm going to be spending $3,000 more per year to save $2,500 on my max out of pocket? Does that sound as stupid to anyone else as it does to me??? I'm now going to be paying an insurance company $3,000 more per year, and I mostly likely won't even use it. Makes perfect sense. :crazy:

    Do you know if you qualify for any of the tax credits?

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