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Real life obama care story (1 Viewer)

sawyerloggingon

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Remember when Obama said "like your insurance, keep it" "like your doctor, keep them"? Well I spent two hours on the phone yesterday with some outfit that is deciding which Obama care plan is best for my 80 year old parents. They liked the IBM retirement insurance they had but now it's gone. They liked their doctors but in order to keep them they have to pay an annual fee to make up for the gap Obama care will pay and my parents can't afford that so bye bye doctors. Thanks Obama, thanks democrats, for causing this angst and disruption to my mom and dads lives and f*** you.
 
Shouldn't you be blaming IBM for cutting off funding for their retirees' insurance? If your parents can't afford the annual fee they can receive a subsidy to pay the fees. and what happened to their Medicare?
 
Shouldn't you be blaming IBM for cutting off funding for their retirees' insurance? If your parents can't afford the annual fee they can receive a subsidy to pay the fees. and what happened to their Medicare?

IBM cut off their insurance because Obama care imposed taxes on it which forced IBM to dump it. They are subsidizing the cost of Obama care but won't subsidize the annual fees their docs want. The point you are avoiding here is Obama care is doing exactly what he promised it would not and exactly what crazy right wingers like Rush said it would.
 
IBM cut off their insurance because Obama care imposed taxes on it which forced IBM to dump it. They are subsidizing the cost of Obama care but won't subsidize the annual fees their docs want. The point you are avoiding here is Obama care is doing exactly what he promised it would not and exactly what crazy right wingers like Rush said it would.


That's not what IBM is saying
IBM’s Decision

IBM (IBM) said last week it will shift about 110,000 Medicare-eligible retirees to Tower Watson’s Extend Health, the largest private Medicare exchange. Former workers will find more options than the business could provide through its own plan, IBM, the third-largest U.S. employer according to data compiled by Bloomberg, said in a statement e-mailed Sept. 7. Caterpillar Inc. and DuPont Co. also have moved Medicare-age retirees onto the Extend exchange.

For most, coverage will come “at the same or lower cost” than they pay now. The Armonk, New York-based company will still make contributions to a tax-free health retirement account for the workers.

IBM capped its subsidies to retirees in the 1990s and “didn’t make this change to save money,” Doug Shelton, a spokesman, said in an e-mail. “It does not reduce our costs.” Rather, the company is making the change to help former workers, whose premiums and out-of-pocket charges are projected to triple by 2020 under the current plan, Shelton said.

Ted Greenberg, 69, worked for IBM for 39 years and retired in 2007. He said he wasn’t sure what the changes would mean for his family and worried IBM will follow the lead of competitors and eliminate health-care subsidies altogether.
 
That's not what IBM is saying

To be honest I don't know exactly what's going on except they don't have the insurance they used to and their current docs won't take them on their new insurance. The phone call yesterday was mostly giving info to a lady on medical history and current prescriptions that she will give to someone else we have to meet with that will supposedly decide what plan best suits their needs. What I know so far is they lost their old insurance and their doctors. What it appears to be from your post is that they are being forced off of their "Cadillac" IBM plan and onto Medicare which IBM will subsidize. Whatever it has shaken up their world and my poor mom is really upset about it.

EDIT: One thing on your post caught my attention though, ” Rather, the company is making the change to help former workers, whose premiums and out-of-pocket charges are projected to triple by 2020 under the current plan, The "current plan" is the new plan, the Obama care plan that has rocked the entire health care world.
 
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That's not what IBM is saying

From your quote:

IBM capped its subsidies to retirees in the 1990s and “didn’t make this change to save money,” Doug Shelton, a spokesman, said in an e-mail. “It does not reduce our costs.” Rather, the company is making the change to help former workers, whose premiums and out-of-pocket charges are projected to triple by 2020 under the current plan, Shelton said.

Why would those be going up to that extent? Obama Care.

:spin: :alert
 
yes this is what will be repeated millions upon millions of times in the near future and the
low information liberals will blame private enterprise all the way through to
fully socialized healthcare, it's a thing of beauty if yer a commie
 
AT least you got one thing right in this thread

Nobody knows exactly what's going on so I'm in good company. "we have to implement this bill to find out what's in it" or something like that. What I have found out so far is my parents lost their insurance and their doctors.
 
IBM cut off their insurance because Obama care imposed taxes on it which forced IBM to dump it. They are subsidizing the cost of Obama care but won't subsidize the annual fees their docs want. The point you are avoiding here is Obama care is doing exactly what he promised it would not and exactly what crazy right wingers like Rush said it would.

Actually that is common reaction for most people...They are not Not sure what is going on and naturally they blame the the most talked about thing that has been tout in the airways which is Obama Care.

Same thing as 2008 banks steal your many and people were pissed off at government....

1) For the last ten years with and without Obama care the premium health care cost has been rocked to by 131% compared to inflation which is about 28%...

Health Insurance Premiums Up 131% in Last Ten Years | TIME.com

So this has nothing to do with ACA but rather insurance companies. Explanation is very simple...More people are getting older their medical costs are going up, insurance companies need to maintain same margin of profit (that is how for profit system works and they are not going to take it out of the pocket of CEO or board members), Medicare subsidies are being cut at the same time so more people rely their insurance and that is the reason health care companies raising the premiums to cover the balance... Now companies Like IBM and many like it that worked on pension plans also trying to dump the retiree and cut their benefits anyway they can...one common method is to move them under an alternate Insurance plans setup by a dummy company, then naturally the company which is now a separate entity than the original insurance provider would go bankrupt and wollah...Company is now free from it debt to the retiree employees. That is a very low handed trick because the premiums that you have been paying is actually pooled in an account somewhere, and it is your money but interest or any investment return in actually not banked into the same account but counts as profit for the healthcare and the very company that is pooling the money...so in away to are paying them twice!

You have every right to be angry... but your anger should be directed toward IBM and the Healthcare industry who have been shafting you and your parents not ACA

Diving Mullah
 
Actually that is common reaction for most people...They are not Not sure what is going on and naturally they blame the the most talked about thing that has been tout in the airways which is Obama Care.

Same thing as 2008 banks steal your many and people were pissed off at government....

1) For the last ten years with and without Obama care the premium health care cost has been rocked to by 131% compared to inflation which is about 28%...

Health Insurance Premiums Up 131% in Last Ten Years | TIME.com

So this has nothing to do with ACA but rather insurance companies. Explanation is very simple...More people are getting older their medical costs are going up, insurance companies need to maintain same margin of profit (that is how for profit system works and they are not going to take it out of the pocket of CEO or board members), Medicare subsidies are being cut at the same time so more people rely their insurance and that is the reason health care companies raising the premiums to cover the balance... Now companies Like IBM and many like it that worked on pension plans also trying to dump the retiree and cut their benefits anyway they can...one common method is to move them under an alternate Insurance plans setup by a dummy company, then naturally the company which is now a separate entity than the original insurance provider would go bankrupt and wollah...Company is now free from it debt to the retiree employees. That is a very low handed trick because the premiums that you have been paying is actually pooled in an account somewhere, and it is your money but interest or any investment return in actually not banked into the same account but counts as profit for the healthcare and the very company that is pooling the money...so in away to are paying them twice!

You have every right to be angry... but your anger should be directed toward IBM and the Healthcare industry who have been shafting you and your parents not ACA

Diving Mullah

Obama care was passed on the premise that it would stop the rising cost of health care but it has only exacerbated the problem. It is my understanding that one reason IBM and other comps are getting rid of their insurance plans is because part of the 3000 page Obama care bill taxes them for these so called Cadillac plans and that is why they have been forced to change or even dump them altogether. You say health insurance premiums have risen 131% in the last 10 years but IBM says they are forecasting a gain twice that big in the next ten years so it seems Obama care took a bad situation and made it worse.
 
To be honest I don't know exactly what's going on except they don't have the insurance they used to and their current docs won't take them on their new insurance. The phone call yesterday was mostly giving info to a lady on medical history and current prescriptions that she will give to someone else we have to meet with that will supposedly decide what plan best suits their needs. What I know so far is they lost their old insurance and their doctors. What it appears to be from your post is that they are being forced off of their "Cadillac" IBM plan and onto Medicare which IBM will subsidize. Whatever it has shaken up their world and my poor mom is really upset about it.

EDIT: One thing on your post caught my attention though, ” Rather, the company is making the change to help former workers, whose premiums and out-of-pocket charges are projected to triple by 2020 under the current plan, The "current plan" is the new plan, the Obama care plan that has rocked the entire health care world.

So you dont know whats going on so you come here and make a thread claiming Obama took your parents healthcare away! Great Great job!
 
I'm on Medicare and my monthly fee has gone from zero to a whopping $69 a month. My co-pays have double from 10/20 to 20/50. I've been able to keep all but one of my Doctors.

I don't see what Obamacare has to do with Medicare. Maybe we need more information.
 
AT least you got one thing right in this thread

Yeah... and with the Demokrats authored and defined "train wreck" it seems few know what the hell is going on, except **** has hit the fan for a lot of people because we've gt a bunch of busy body Socialists who think they know what is best for us. And then the assholes exempt themselves and their help from the mess they created.

They can go **** themselves.
 
Health insurance companies will be extinct sooner than you can imagine.
What you can't imagine is how bad your government provided healthcare is going to be.
 
Health insurance companies will be extinct sooner than you can imagine.
What you can't imagine is how bad your government provided healthcare is going to be.

I don't have to imagine. I just look at the data from around the world, from countries like Canada, England, Norway, Sweden, German, France and...It cost less than have for the same treatment, with the quality equal or better, 100% of people are covered, the medicine cost less. They are over all healthier, less chance of complication...What is so funny is that many have supplemental insurance as we have here (so that is healthcare ran by private companies). and still combined it is far cheaper than what we have in US...Go figure!


Diving Mullah
 
Obama care was passed on the premise that it would stop the rising cost of health care but it has only exacerbated the problem. It is my understanding that one reason IBM and other comps are getting rid of their insurance plans is because part of the 3000 page Obama care bill taxes them for these so called Cadillac plans and that is why they have been forced to change or even dump them altogether. You say health insurance premiums have risen 131% in the last 10 years but IBM says they are forecasting a gain twice that big in the next ten years so it seems Obama care took a bad situation and made it worse.

I don't really know you or rather your parents situations so I can't make a comment, but I know about my insurance, my wife, my sister, My brother in-law and mother-in-law and most the people I work and play with. Our premium have not been change(they will raise the premium as they have done for the past 15 years, so nothing new; actually thanks to ACA there has been caps on how much they raise it), neither the coverage or the quality. My mother in law's medicare has gone up, not because of ACA but rather because Republicans in Congress are defunding the program, medical (California medicare hasn't seen a dent and covers what medicare fails to cover)... So my suspicion which I said is common practice for many corporations is that they are playing these tactics and you end up blaming ACA.


What is so strange about your health insurance is that participating in Exchange is voluntary...if the health care provider don't care for ACA then it doesn't not have to participate which means they won't be in Exchange and therefore receive their share of new customers... If they chose to participate that means they are seeing the benefits, so sadly you and your parents are victims of corporate Greed and nothing else. And as I said...republican's defunding of medicare which shifts some the burden back to private healthcare program is simply because of conservative and republicans pettiness not ACA implementation, but most American don't know this, so naturally they come and blame ACA blindly and ignorantly. Which is exactly what republican and conservatives want to happen.

Sadly Republicans finding it fitting to play with you and your parents health and well-being for the sake of political gain... And that is why elections have consequences.


Diving Mullah
 
Go figure!
No Socialism is not better

Will America be able to continue to go trillions and trillions further into debt? No

Will the 125 trillion unfunded liabilities (not including the unfunded liabilities of ObamaCare) be paid for? NO

The only question is: what will be the outcome?
 
I don't really know you or rather your parents situations so I can't make a comment, but I know about my insurance, my wife, my sister, My brother in-law and mother-in-law and most the people I work and play with. Our premium have not been change(they will raise the premium as they have done for the past 15 years, so nothing new; actually thanks to ACA there has been caps on how much they raise it), neither the coverage or the quality. My mother in law's medicare has gone up, not because of ACA but rather because Republicans in Congress are defunding the program, medical (California medicare hasn't seen a dent and covers what medicare fails to cover)... So my suspicion which I said is common practice for many corporations is that they are playing these tactics and you end up blaming ACA.


What is so strange about your health insurance is that participating in Exchange is voluntary...if the health care provider don't care for ACA then it doesn't not have to participate which means they won't be in Exchange and therefore receive their share of new customers... If they chose to participate that means they are seeing the benefits, so sadly you and your parents are victims of corporate Greed and nothing else. And as I said...republican's defunding of medicare which shifts some the burden back to private healthcare program is simply because of conservative and republicans pettiness not ACA implementation, but most American don't know this, so naturally they come and blame ACA blindly and ignorantly. Which is exactly what republican and conservatives want to happen.

Sadly Republicans finding it fitting to play with you and your parents health and well-being for the sake of political gain... And that is why elections have consequences.


Diving Mullah

The IBM situation was dumped on my parents and has really shook them up. I'll know more later after we meet with their advisor on this.
 
I'm on Medicare and my monthly fee has gone from zero to a whopping $69 a month. My co-pays have double from 10/20 to 20/50. I've been able to keep all but one of my Doctors.

I don't see what Obamacare has to do with Medicare. Maybe we need more information.

Apparently the docs my parents now have don't take Medicare patients without an annual fee tacked on which they can't afford.
 

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