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MikePower

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Reply with quote  #1 
So, in Pickens County, we now have a total of ONE insurance provider, which provides no coverage.  Our Plan for my wife, I use my VA coverage, which is pretty scary, is now better than my wife's Obamacare plan, was $800 per month last year.

Any guesses as what it is this year???  $1200 per month, an increase of 50%. This is a piece of crap Silver Plan, from Alliant who is now the only provider.  

We still can not figure out what doctor's are on the plan, since Alliant does not post a provider directory.  

You can not go out of State either.  She has had four major spinal surgeries, and by the way, two we now have found out were not done correctly, however, we are outside the two year limit for medical malpractice.

I can not make this stuff up.   

Every congressman and senator needs to be fired.  The entire Federal Government needs to be fired.  We need to start over again with people that are not so concerned with keeping their jobs as to doing their jobs!!!!!

The best Plan, is now $2000 per month....yes, $2000 per month for just one individual!!!!

Mike P.

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treskirkland

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Reply with quote  #2 
It sucks bad....  We only have a choice of Ambetter (which no doctors take) and Kaiser.....  and the plan the most similar to what we had last year is 40% higher... which is not even a great plan...  It is a complete disgrace....   We got a letter from my daughter's pediatrician yesterday informing us that there are no individual insurance plans left that they accept since BlueCross has pulled out of Metro Atlanta.
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Bobby

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Reply with quote  #3 
Sorry to hear about your troubles.
It's 100% none of my business, but "I" would consider getting a government job for the benefits.  It sounds like that option might be most valuable for your family at this particular time.

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BChip

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Reply with quote  #4 
Time to become a County Assessor. Not a bad suggestion from Bobby.
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Nomad

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Reply with quote  #5 
Obamacare is terrible. I pay $1200 per month and the deductible is $7000. I've never met the deductible so I'm paying $15,000 per year for nothing and $22,000 before they chip in 40% coinsurance. A single payer system is what we need but the insurance companies employ hundreds of thousands of people so the economic impact of a change like that would be catastrophic.
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Nomad

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Reply with quote  #6 
And also very sorry you're having to go through this Mike.
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treskirkland

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Reply with quote  #7 
Quote:
Originally Posted by BChip
Time to become a County Assessor. Not a bad suggestion from Bobby.


Or work for HUD.
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Meatloaf

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Reply with quote  #8 
HUD wouldn't hire mike.  He is too smart.

Insurance is designed to keep you from going bankrupt.  When it cost so much that it breaks you, why bother?

I know a lot of people hit with the $2000 premium.  It sucks.  But working for the man and making less than half of what you would make on your own just for the benefits is no benefit.

Mike.... Here is your chance to run for congress.  Do it on the platform that you need better insurance and that's the only way to get it.

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Nomad

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Reply with quote  #9 
Quote:
Originally Posted by Meatloaf
HUD wouldn't hire mike.  He is too smart.

Insurance is designed to keep you from going bankrupt.  When it cost so much that it breaks you, why bother?

I know a lot of people hit with the $2000 premium.  It sucks.  But working for the man and making less than half of what you would make on your own just for the benefits is no benefit.

Mike.... Here is your chance to run for congress.  Do it on the platform that you need better insurance and that's the only way to get it.


It is a simple math equation where x=$2000.  Don't run for congress unless you are well funded.
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Meatloaf

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Reply with quote  #10 
Maybe I need to consider going into the insurance field.

I've never met a broke insurance agent.

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BracketThis

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Reply with quote  #11 
You might want to look into Liberty Health Share or some other type of co-op. It is not ACA compliant but I did the math, I'll pay the penalty. There are several health share companies who do this- it is not really even considered insurance but it operates just like insurance. My wife has a thyroid issue which everyone considers pre-existing but after 1 year Liberty will cover it. She has done extensive research & this is the best thing we have found. The way it works is we pay the doctor bills (at the reduced "insured rate" not the walk-in rate), then Liberty pays us back. I was looking at over $1,000 a month which basically covers nothing. We just signed on for two married with no kids- $300 a month covers both. That beats the crap out of the tax penalty.


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Meatloaf

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Reply with quote  #12 
Quote:
Originally Posted by BracketThis
You might want to look into Liberty Health Share or some other type of co-op. It is not ACA compliant but I did the math, I'll pay the penalty. There are several health share companies who do this- it is not really even considered insurance but it operates just like insurance. My wife has a thyroid issue which everyone considers pre-existing but after 1 year Liberty will cover it. She has done extensive research & this is the best thing we have found. The way it works is we pay the doctor bills (at the reduced "insured rate" not the walk-in rate), then Liberty pays us back. I was looking at over $1,000 a month which basically covers nothing. We just signed on for two married with no kids- $300 a month covers both. That beats the crap out of the tax penalty.



I'm curious.... What happens when you are on this type of program and you find out you have cancer or need a brain transplant or something?  Do they actually pay or just add you to the prayer list?

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BracketThis

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Reply with quote  #13 
Not sure- we're trying this for the first time this year. From my understanding anything not pre-existing they pay 60% after deductible, which is $2,500 & much lower than my previous one $7,000. Anything pre-existing is covered after 1 year of membership. I am basically pretty healthy overall so paying $1,000 a month for nothing is not appealing to me. We'll see how this works out. It's the best option I have found so far.
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Meatloaf

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Reply with quote  #14 
I am not worried about my insurance paying for doctor bills.  I can afford those out of pocket.  Its the bills that come when you get hit by a bus, or have something major that is a big deal.  If there is a possibility that they wouldn't pay for any reason in the event you racked up about 3 million in bills then you are probably wasting money with them anyway and would be better off with no insurance or "sharing".
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RubberStamp

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Reply with quote  #15 
Some kind of medi-share plan is your only option.  Basically these days you need to protect yourself from if you get hit by a truck..  which I think that does as good as Obamacare with its high deductibles.

For the rest of all disease we are all basically self insured. 

This is a good time to get into alternative medicine.  You can avoid a ton of disease through lifestyle changes.  Admittedly its hard, and not for everyone, but when you look at the cost of getting sick these days I can't imagine not trying to take an active role in my health.

They guy I follow is Roby Mitchell - Dr. Fitt.  He was an emergency room surgeon for a few decades and heart specialist that came down with cancer and diabetes.  Seeing all the drug interactions causing more problems than they helped, and many just dying anyway, he went on a quest to figure out the science behind disease which cured himself and many others.  He basically gives his information away for free so you can learn a lot just by following him in facebook. 

But if you are a western medicine hard liner.......... this is not for you.   But then again this is an appraisal forum and we all typically beat to a different drum.

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Meatloaf

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Reply with quote  #16 
Mike.  I got a bit of good news today.  In the previous couple of years it wasn't advantageous to do a corporate policy.  I checked today and I can get a policy for my company that covers myself and my family for about 600/month cheaper than the individual plans.  Also, the in-network has greater coverage with the corporate policy and I can cross state lines and still be in network whereas the individual policy wouldn't allow it.

You might want to check on that.  My premiums went from 1500 to 970.  Another note, my office is located in a different (cheaper) zip code than my house which also made about $200/month cheaper.



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MikePower

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Reply with quote  #17 
Jody,

Send me the information. That sounds fantastic!!!!  We are down to basically 17 days.

email me at mepower@live.com

thanks so much!!!

Mike P
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Meatloaf

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Reply with quote  #18 
My wife is doing all the legwork on it.  Soon as I find out the details I will give you a call.



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MikePower

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Reply with quote  #19 
Hi Jody,

Any updates?

We are down to 14 days!!!

Thanks Mike
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treskirkland

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Reply with quote  #20 
I found another ministry type plan that seems than most of the others, as far as their coverage.   AlieraCare   www.alierahealthcare.com



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