benne

Louisville, KY

#41 Jul 4, 2012
I'll benefit from this health care plan. I'm a federal employee paying 300 per month for my plan now, and still can't afford to go to the doctor. The added no-cost preventative care, eliminating life time maximums, and possible lower premiums eventually due to coverage of the non-insured are all in my favor.
Funny

Ann Arbor, MI

#42 Jul 5, 2012
If your a Federal employee then you have great health care and you CAN afford to go to the Dr.
I've known several fed. employees and they love their benefits (including health care).
Nice try though.
benne

Louisville, KY

#43 Jul 5, 2012
Funny wrote:
If your a Federal employee then you have great health care and you CAN afford to go to the Dr.
I've known several fed. employees and they love their benefits (including health care).
Nice try though.
I have great health care that doesn't pay for many preventative procedures and carries a deductible and co-pay. You have no way to know what I can or can't do or pay based on the "several federal employees you've known". Nice try, though.
the one

Madisonville, KY

#44 Jul 5, 2012
benne wrote:
<quoted text>
I have great health care that doesn't pay for many preventative procedures and carries a deductible and co-pay. You have no way to know what I can or can't do or pay based on the "several federal employees you've known". Nice try, though.
I was a licensed health insurance agent for 2 years, and there is no such thing as the perfect health plan. The vast majority of them are going to make you pay deductibles and co-pays on certain things. Just about the only way around it is if you are receiving extra help through Medicaid or something like that. Also, they're not going to cover everything on the planet, as there are certain medications that are normally excluded (unless you can gain an exception), and it's that way with every single insurer. The list of non-covered medications and/or procedures varies with each one, so you'll have to do your homework and conduct a little research before picking a plan.
Funny

Ann Arbor, MI

#45 Jul 5, 2012
"preventative care" yeah I hear ya. Sounds like you need to learn what is needed and what you want just because you think you need it.
Insurance is a business just like any other. It's there to make money and profide a variety of services. It's not welfare or a freebie. Obama has got everyone thinking that they deserve or can get some kind of welfare of Gov. help.
If you are on the Federal employee health plan your insurance is plenty good enough !
Funny

Ann Arbor, MI

#46 Jul 5, 2012
$300 a month for "your" plan? The way you state that it would lead one to believe it's not a family plan, but an individual plan. If that's the case I highly doubt your paying $300 a month out of your pocket for insurance alone. BTW, co-pays and deductables are nothing new. It's part of it and probably a good idea so people can't just go to the doctor for no good reason.
LOL

United States

#47 Jul 5, 2012
My husband is a federal employee and we have excellent health care!! Did you happen to choose the health savings plan? If you did ... you should change. My sister is a veteran and gets to use the VA. Let me tell ya. The health care system will be the same as Obama's. No one understands what she has to go through to get a friggin appointment. She had to wait 4 months to have a serious procedure done. She's had to wait 6 months for another. She had to wait almost a year for an MRI. It's rediculous how you have to wait. So let's think about this. With odumbacare it won't be so easy to just go to the doctor like it is now. Think I'm lying ask a veteran.
benne wrote:
<quoted text>I have great health care that doesn't pay for many preventative procedures and carries a deductible and co-pay. You have no way to know what I can or can't do or pay based on the "several federal employees you've known". Nice try, though.
benne

Louisville, KY

#48 Jul 5, 2012
the one wrote:
<quoted text>
I was a licensed health insurance agent for 2 years, and there is no such thing as the perfect health plan. The vast majority of them are going to make you pay deductibles and co-pays on certain things. Just about the only way around it is if you are receiving extra help through Medicaid or something like that. Also, they're not going to cover everything on the planet, as there are certain medications that are normally excluded (unless you can gain an exception), and it's that way with every single insurer. The list of non-covered medications and/or procedures varies with each one, so you'll have to do your homework and conduct a little research before picking a plan.
One of the provisions of the health care plan proposed is that preventative procedures will have to be covered by insurance. That will take away the cost out of pocket for me that exceeds my insurance coverage. As it stands right now, you are absolutely correct that all insurance plans require more cash.
benne

Louisville, KY

#49 Jul 5, 2012
Funny wrote:
"preventative care" yeah I hear ya. Sounds like you need to learn what is needed and what you want just because you think you need it.
Insurance is a business just like any other. It's there to make money and profide a variety of services. It's not welfare or a freebie. Obama has got everyone thinking that they deserve or can get some kind of welfare of Gov. help.
If you are on the Federal employee health plan your insurance is plenty good enough !
Yeah, you did hear me. Sounds like you need to do some research on proactive procedures such as mammograms and colonoscopy that can possibly save a lot of money. Also compare the cost of an ED visit with that of routine care or care when needed rather than waiting. It's cheaper to prevent than treat - for both the consumer and the insurance company.
I'm not sure of everything I need, but I'm very sure I'm more cognizant of that than you are. And I believe my primary provider is more aware than either of us.
benne

Louisville, KY

#50 Jul 5, 2012
LOL wrote:
My husband is a federal employee and we have excellent health care!! Did you happen to choose the health savings plan? If you did ... you should change. My sister is a veteran and gets to use the VA. Let me tell ya. The health care system will be the same as Obama's. No one understands what she has to go through to get a friggin appointment. She had to wait 4 months to have a serious procedure done. She's had to wait 6 months for another. She had to wait almost a year for an MRI. It's rediculous how you have to wait. So let's think about this. With odumbacare it won't be so easy to just go to the doctor like it is now. Think I'm lying ask a veteran.
<quoted text>
I have BCBS, and that won't change. What will change is that they will be required to cover maintenance and preventative procedures that they don't cover now. I'll use my health benefits to go to the same doctors I go to now.
My son is a vet, and he's never had to wait for anything that was serious; however, that doesn't apply to my insurance nor my doctors. I will have the same ones and so will you and your husband.
benne

Louisville, KY

#51 Jul 5, 2012
Funny wrote:
$300 a month for "your" plan? The way you state that it would lead one to believe it's not a family plan, but an individual plan. If that's the case I highly doubt your paying $300 a month out of your pocket for insurance alone. BTW, co-pays and deductables are nothing new. It's part of it and probably a good idea so people can't just go to the doctor for no good reason.
Yes, "my" plan; one was led to believe correctly. You can doubt all you want, but I'm the one looking at the pay stubs.
BTW, please research the cost of emergency treatment. Think about it like a house that develops a small roof leak and doesn't get fixed at the minute price it would cost. Let it go unfixed for a couple of years and you'll have ceilings falling in, mold, and pay far more than you would have when it was small.
Or car brakes. You can fix them when they start going out, or you can ruin the drum and rotor. Which is the smarter course of action?

Actually THINK instead of just hating, and you'll see that there are many people who will benefit - and I am one of those. Sorry if that bothers you somehow.
benne

Louisville, KY

#52 Jul 5, 2012
Funny wrote:
"preventative care" yeah I hear ya. Sounds like you need to learn what is needed and what you want just because you think you need it.
Insurance is a business just like any other. It's there to make money and profide a variety of services. It's not welfare or a freebie. Obama has got everyone thinking that they deserve or can get some kind of welfare of Gov. help.
If you are on the Federal employee health plan your insurance is plenty good enough !
And BTW, one would be led to believe that you have a rather nasty attitude and are somewhat of a smartass. It sounds like you need to learn how to communicate without coming off as a complete ass.
LOL

United States

#53 Jul 5, 2012
We also have BCBS. And we won't change that. I've never had to pay anything but my co pays. Except I had surgery in January. I do have those bills. However, under Obama care the surgery I needed will not be considered important therefore would have to wait a significant time. I will go a little further in saying I have some friends in Canada. They have the socialist health care. They have purposely bought property in the US so that they can get good health care and don't have to wait to go to the doctor or dentist. He had an abscessed tooth. He had to wait almost a month to be seen. That to me is rediculous! That will happen here.

I'm glad your son hasn't had to wait so far he's been lucky. Seems my sister has to hurry and wait all the time.
benne wrote:
<quoted text>I have BCBS, and that won't change. What will change is that they will be required to cover maintenance and preventative procedures that they don't cover now. I'll use my health benefits to go to the same doctors I go to now.
My son is a vet, and he's never had to wait for anything that was serious; however, that doesn't apply to my insurance nor my doctors. I will have the same ones and so will you and your husband.
benne

Louisville, KY

#54 Jul 5, 2012
LOL wrote:
We also have BCBS. And we won't change that. I've never had to pay anything but my co pays. Except I had surgery in January. I do have those bills. However, under Obama care the surgery I needed will not be considered important therefore would have to wait a significant time. I will go a little further in saying I have some friends in Canada. They have the socialist health care. They have purposely bought property in the US so that they can get good health care and don't have to wait to go to the doctor or dentist. He had an abscessed tooth. He had to wait almost a month to be seen. That to me is rediculous! That will happen here.
I'm glad your son hasn't had to wait so far he's been lucky. Seems my sister has to hurry and wait all the time.
Perhaps it will happen here, but not to me or you. We'll retain insurance and providers and have the added benefit of better proactive coverage and no lifetime maximums. Where are you finding the info on what the new health plan will consider important and not important in surgical procedures? Is there a list available?
LOL

United States

#55 Jul 5, 2012
My PCP doctor and I talked in length about the Obama crap. He is not a fan of it. He hopes it gets repealed. He does agree there needs to be reform but this isn't it. He stated that the quality of care will go down. you may wanna chat with your PCP and see if they've been able to read it yet and talk to them.
benne wrote:
<quoted text>Perhaps it will happen here, but not to me or you. We'll retain insurance and providers and have the added benefit of better proactive coverage and no lifetime maximums. Where are you finding the info on what the new health plan will consider important and not important in surgical procedures? Is there a list available?
benne

Louisville, KY

#56 Jul 5, 2012
I've read, researched, compared and talked to several docs and it will benefit me. I'm pretty sure my primary won't give me lesser care or refer me anywhere that would.
What are the procedures that are being deemed unimportant or are restricted by the plan?
Here's a synopsis of what is contained; it helped a lot to break it down and check each provision to see how it affected me. I doubt my doc or many other people actually read it - it's 985 pages long lol.

http://politicalirony.com/2012/07/02/obamacar...
Howard P

Louisville, KY

#57 Jul 5, 2012
OBAMACARE, ROMNEYCARE, when you have two pathetic candidates running, and neither would make a good Mayor for Keene, then you know what a mess our country is in. I have watched politics for more than 40 years and still don't know how we came down to these two bozo's.

Since: Jul 11

Jasper, IN

#58 Jul 5, 2012
I'm happy with it. My family has three graduates getting ready to go to college in the fall. All three will go to school with health insurance thanks to Obamacare (kids can stay on family policy till 26yo). If the repugs repeal the law, we will have to either buy policies for each of them or let them go without insurance. This family will be voting Obama in November!
Funny

Ann Arbor, MI

#59 Jul 6, 2012
Not sure what college your kids will be going to
(none of my business), but when I was in college we had a college Dr. office we could go to at no charge. If a perscription was written then we had to pay for that, but the visit was free.
well

Lexington, KY

#60 Jul 6, 2012
Funny wrote:
Not sure what college your kids will be going to
(none of my business), but when I was in college we had a college Dr. office we could go to at no charge. If a perscription was written then we had to pay for that, but the visit was free.
I don't think that covers catastrophic, only routine doctor visits. They might prefer to retain their own doctor and be covered for all health or accident needs. This will help me too, I've paid 1600 a year for insurance (and not good insurance!) on my daughter after she had to drop off mine and now I can add her back on my plan for a year or so.
It looks like the only people it will hurt are the employed who didn't carry insurance (and then we paid) and will now have to and the over 250,000 crowd at .9% tax increase.

Tell me when this thread is updated:

Subscribe Now Add to my Tracker

Add your comments below

Characters left: 4000

Please note by submitting this form you acknowledge that you have read the Terms of Service and the comment you are posting is in compliance with such terms. Be polite. Inappropriate posts may be removed by the moderator. Send us your feedback.

Lexington Discussions

Title Updated Last By Comments
Angry black kid 3 min barry 12
News Bible study rules for public schools proposed (Feb '10) 4 min Cczar 174,717
Stormy Daniels the LAUGHINGSTOCK of the Left 4 min Two cents 9
CRIMINAL REFERRALS for Clinton, Comey & McCabe 12 min Two cents 9
Adult Store 2004 (Feb '09) 20 min Dirty old doc 48
Lincoln Taylor is garbage! 39 min Sassy girl 1
Lincoln Taylor is a piece of garbage 43 min Munch 1

Lexington Jobs

Personal Finance

Lexington Mortgages