Pretty sure Obama has about a 12% chance of getting re-elected now
 

Once people get details of their 2011 Insurance Plans from their employers.

Absolutely fucl<ing terrible.

I thought my insurance was bad this year.

They went from giving us 3 options to only 1 option this year.

They elimintated the plans that actually covered shi.t because of a fucl<ing Cadillac Tax (believe me.. these "top shelf" programs are no cadillac's.. maybe a fucl<ing Kia at best)

doubled the deductable.

doubled the out of pocket maximum.

If you have a spouse / child? forgettaboutit

Its basically a plan that will be beneficial to no one except for maybe 2% of the employees in this company made up of 8,000.

Thank you Mr. Fucl<ing President. & GFY congress.

I'd be really surprised if United Healthcare is the only insurance company out there bending the working public over like this.

And good luck to any responsible working folks out there who ever plan on starting a family!

Uncly..did you really think when the legislature actually passed a national health insurance reform law...that it would really benefit the masses?



I know you are not that naive.

oh I knew it was going to make the health care industry in this country much worse.

I may have been naive in hoping we werent going to get fucl<ed this soon.

Obama was right when he said he'd give up being re-elected to pass the "major reform".

and I still think the worst part of the law is that it will discourage the young bright minds from entering the health professions.

So we will all be covered, but everyone will be paying for anything anyway because of deductables.. but the quality of the actual care will be **** like the rest of these "progressive" countries.

Do you have an HRA and an FSA/HSA?

This will serve the fed. gov. very well in the coming years.

There's no reason for health care companies to raise their premiums. They're only doing it because they don't want to lose the gigantic profits they were already making. They can still profit (even if slightly less) without changing anything.

I don't agree with everything Obama does, especially regarding immigration, but I sure will never vote for a fear mongering, racist, discriminatory Republican.

had a HRA.. they will not offer an HRA plan this year. Only one HSA plan with a 2400 deductable (for 1 individual.. families are screwed). and a very high out of pocket max. & their match for the FSA is crap.

Most presidents get reelected. People, like many on this board, have trouble admitting they made a mistake.

what did my thread have to do with Bush?

Just because Republicans absolutely suck its okay for Democrats to suck just as bad and probably worse?

okay i get it!

they didnt really raise the actual premiums too high. they just eliminated the opportunity to be able to purchase an actual real plan. everyone is stuck with the same shi.t hole plan.

But its good to see the fear mongers being brought up!

Ask your company if they are spending less on health insurance for employees this year, or not.

I don't.

I voted for Bush twice...but am not so sure he was the worst choice.

Dems are really screwed in November if the insurance companies get this info out to the workforce before elections.

shoot the crazy lady in deleware may have a real shot.

it sucks the alternative has to be crazy religious people who think they are holier than thou.

Where are the damn libertarians at??

Sound like a good start to me
 

Major new health reform benefits take effect today to help keep health insurance companies accountable, lower health care costs, guarantee more health care choices, and enhance the quality of health care for all Americans.

Starting today, insurers will be required to:

* Keep you covered when you get sick: Simple mistakes or typos will no longer be grounds for insurance companies to cancel your insurance.

* Cover kids with pre-existing conditions: Your kids can no longer be denied health coverage just because they have a pre-existing condition like hay fever, asthma, or previous sports injuries. This protection extends to all plans, except "grandfathered" plans in the individual market.

* Allow young adults to stay on their parents' plan up to age 26: Even if their first few jobs don't provide health benefits, your kids can still remain covered by your insurance.

* Remove lifetime limits: You will no longer need to worry about your health insurer limiting the amount of coverage available through their plan if you face an expensive medical condition. This will help Americans who develop chronic conditions from taking drastic measures to avoid medical bankruptcy
.
* Phase out annual limits: Many plans include annual dollar limits on how much medical coverage can be obtained per year. On all non-"grandfathered" plans in the individual market, these limits will be phased out over the next three years.

For any insurance plan that goes into effect after September 23, 2010, your insurance company must:

* Pay for preventive care like mammograms and immunizations: Addressing problems before they start can help keep you healthier, and new insurance plans will now cover many preventative tests and immunizations without any copayment.

* Give you a better appeals process for insurance claims: Now you'll have a guaranteed and fair path to help you receive the benefits you paid for if insurance companies deny your claim.

* Let you choose your own doctor: Health reform makes it clear that you can choose any available participating primary care provider as your provider, and any available participating pediatrician to be your child's primary care provider.

* Provide easier access to OB-GYN services: Women will no longer be required to have a referral from a primary care provider before seeking coverage for obstetrical or gynecological (OB-GYN) care from a participating OB-GYN specialist.

* Allow you to use the nearest emergency room without penalty: If an emergency arises while you're away, you will no longer have to drive home to your in-network provider to receive in-network benefits.

Many other new benefits of the law have already taken effect, including rebate checks for seniors in the donut hole and tax credits for small businesses. Keep watching, as more rights, protections and benefits for Americans are on the way now through 2014.

To learn more about how health care reform is helping you, visit healthcare.gov.

Where is the website where you can learn how Health Care Reform is fucl<ing you?

only you would bust out a post like that.

Sure the things you listed are not bad.

Its the other 2,000 pages of the fucl<ing reform bill that are horrible.

What exactly about the "other 2,000 pages" is so "horrible"?

Maybe now the American is waking up and realizes what a fraud the man in DC is.

Trust I didn't make a mistake on who I voted for. Problem was that the person I voted for didn't get the majority.

my initial post in this thread didnt have any affect on you did it?

Is it a good thing that we have no insurance options this year? Only one plan that is absolutely terrible?

Just found out it is an 8,000 deductable for families. 2400 for just me.

So I'm going to pay them, & pay my doc bills anyway.

This health care bill is like taking 15 steps back to take 2 steps forward. We will still be 13 steps in the hole.

Actually it did. I asked you if you bothered to ask your company if they cut funding to their employees health plans. Far more likely that your company tightening it's belt is the source of your decreased health care plan choices, than Obama.

Now it's probably time for you to swear and curse at me, and then blame me for causing your rudeness and stupidity.

Have you ever seen the movie Groundhog Day?

dammit I had a whole thing typed out from the pdf they sent us but closed out DT.

Was basically : Heres all the good changes from the health reform bill, HOWEVER, you all have to pay for it and there will be 11% increase in premium.

Also we are eliminating the two better plans because of a Cadillac tax that will come about in 2018.



Really... how can the crap plan I had this year (the 2nd best plan) be considered a Cadillac? Are Cadillacs the new Ford Taurus?

So your employer isn't picking up an 11% increase in premium, they are dumping it on you. Thank them for that.

10-20% annual increases have been the norm the past 5 years or so with insurance companies, that is what has been fueling their record profits. Seems your healthcare provider is still right there. HCR shouldn't make insurance premiums go up more than 1-2%.

And they are dumping a plan because of something that will happen in 2018? Eight years from now?

You're getting screwed, but it's not by Obama.

you really think that United Healthcare is going to be the only insurance company to do this.

One thing I can 100% guarantee is, without health care reform bill, I would have 3 different plans to choose from in 2011.

these changes are 100% fueled by the health bill and Insurance companies wanting to keep the same profits.

Only Obama and Co could think they could make all these changes and Insurance companies would just automatically be okay with making less $. So the cost goes on us.. Just like every other terrible decision the government has made.

& the 11% increase in premium isnt the big deal.

The worthless plan with a huge deductable is the big deal.

This is going to be seen at most all companies... but keep that head buried in the sand.

that isnt true for my situation.. 7-8% increases.

And the HCR is making all premiums go up 3%.

also you act like 2018 is a lifetime away. it will be here before we know it.

Uncly

I'm not a Doctor - but I'd be happy to take a look :p

What is ironic is that this was the exact scenario that was predicted during the victory lap after the bill was passed. The average american will pay more for less, the extra expense will be passed along as it always is. But somehow "big business and corporations" are to blame. The same organizations that are being called on to "create jobs" are supposed to pay greater expense for existing employees with no increase in productivity. Uh ok.

We were told that the average american would benefit from credit card "reform" too. How's that working out???

sure we will...someone has to pay for all the extra coverage that is mandated. it's not as tho ins. co's will take a hit because junior gets to stay covered til he's 26 for example. or if you have a pre-existing condition that will raise payouts-who's going to pay for that? we are. just like we always do. govt likes to point fingers at the bad guys-the execs or the big bad corporations. but who ends up footing the bill? the same group of folks.

How can someone forget about a movie with Bill Murray in it?