My Health Insurance Nightmare - Pay Attention to the Details

[Vteckidd]

I dont see how Obama is the direct reason of what happened here. The insurance companies didn't give him a heads up of what his cost were. His original assumptions were that his max out of pocket would be $1500, but that increased significantly, without his knowledge because insurance companies are pieces of shit. Sorry about your situation Mike

Its not Obamas fault, but it kind of is.

The reason for my plan increasing, is because the ACA requires Insurance Companies to cover people despite pre-existing conditions. But, its the insurance companies fault for jacking my rates mid year, lieing to me and not notifying me (admitting they didnt notify me) and then basically make me twist in the wind with no way of getting this resolved.

I am looking into getting onto an Assurance Healthcare plan that has a deductible of $950 and out of pocket max of $950, think about it this way, the ACA Pre-Existing condition is allowing me to move from KP to Assurance and Assurance cant refuse me. However, I am moving onto an insurance company for the sole purpose of sticking them with my $50,000 surgery that will cost me $950 out of pocket.

So the ACA is working for me, but also working against me (by making everything cost more)

[Sammich]

Its not Obamas fault, but it kind of is.

The reason for my plan increasing, is because the ACA requires Insurance Companies to cover people despite pre-existing conditions. But, its the insurance companies fault for jacking my rates mid year, lieing to me and not notifying me (admitting they didnt notify me) and then basically make me twist in the wind with no way of getting this resolved.

I am looking into getting onto an Assurance Healthcare plan that has a deductible of $950 and out of pocket max of $950, think about it this way, the ACA Pre-Existing condition is allowing me to move from KP to Assurance and Assurance cant refuse me. However, I am moving onto an insurance company for the sole purpose of sticking them with my $50,000 surgery that will cost me $950 out of pocket.

So the ACA is working for me, but also working against me (by making everything cost more)

I'm blaming the insurance company for not notifying you of things involving your money. That's not Obama's fault, can't blame him for an insurance company doing what in essence Obama is trying to iron out to make it benefit everyone. I know not everyone agrees with his methods, but your situation, in particular, your insurance basically told you only 1500 out of pocket then all of a sudden without notifying you, they jack it up....NOT COOL. I hope that insurance move works out for you though. How much is the premium at assurance?

[Vteckidd]

I'm blaming the insurance company for not notifying you of things involving your money. That's not Obama's fault, can't blame him for an insurance company doing what in essence Obama is trying to iron out to make it benefit everyone. I know not everyone agrees with his methods, but your situation, in particular, your insurance basically told you only 1500 out of pocket then all of a sudden without notifying you, they jack it up....NOT COOL. I hope that insurance move works out for you though. How much is the premium at assurance?

Without getting into the arguing point, if there was no ACA, my plan never would have change. The very basis for it changing was because the ACA said it had to. So, that is the Congress/White house problem to me.

Assurance will be $435 a month premium.

The issue is on paper, President Obama has a GREAT idea. All of us dont want someone with Cancer being denied coverage because of a pre-existing condition. But, the insurance companies operate based upon risk. A person with cancer is going to require $100,000s of dollars worth of care, so their premium has to be high. But the ACA says they HAVE to cover them, so, they are forced to jack your rates and mine (healthy people) to account for the added risk.

Think about it, Im basically going to stick Assurance with a $50,000 surgery for $950 out of pocket costs. Someone has to pay the other $49,050, its the insurance company.

If you have health insurance in GA, your new MAX out of pocket cost is $6350, if you ever need surgery, you now have to come up with $6500 to do it (because almost no surgery is under $10,000. Think about that , you are screwed unless you make $40,000 or more. How will you afford that?

Before the ACA you could have plans with $1500 max out of pocket costs, now you cant, because the RISK is so much higher for the Insurance Companies they are going to stick it to someone. They are passing that added risk onto people like you and me.

Bottom line, the insurance companies are SMARTER than the White House and Congress.

[Vteckidd]

Also , look at my plan and its changes.

I went from KP Classic 1500
$1500 deductible
$1500 MAX out of pocket costs
$204/ Month Premium

TO
KP Gold 2500
$2500 Deductible
$6350 MAX out of pocket costs
$295/ Month Premium

What part of that is more affordable? The cost of me getting onto a plan with SIMILAR benefits to my OG PLan?

Assurance
$950 Deductible
$950 MAX out of pocket costs
$435/ Month Premium

Its costing me more than DOUBLE for the same plan I had Jan 1 2014.