Your Medical Plan $Changes/Increases for 2011?

[bearishgurl]

[quote=PatentGuy] . . . When I see some Brian or BGG types explain that the 50% of my income that I (self employed) already pay in Federal, Medicare, SS, CA, unemployment, workers comp insurance, property and sales taxes (not counting health insurance) is not “my fair share”, well … it’s probably similar to how you feel about subsidizing America’s legion of self-made (type II) diabetics.

But, let’s be fair. It is one thing to subsidize “victims” of their own bad decisions, but quite another thing if someone is simply born with a medical condition. Maybe in another society where medical care was reasonably priced based on the service provided, they and their family could afford their care. But in this society, the rates for the uninsured cannot be paid by mere mortals and no one pretends they expect anyone to pay. I don’t mind paying a piece of that care, which in and of itself is trivial next to the amount of taxes I pay to the drug companies to fill a tackle box full of pills for every old person. . . [/quote]

Patentguy, I agree. I previously posted about “unlucky” persons you just mentioned with “birth defects.” See:

http://piggington.com/ot_anyone_hear_the_npr_interview_about_the_person_getting_depend

The current crop of seniors (WWII and “Greatest Generation”) DID NOT have warnings on the sides of their cigarette packs early on, when they first became addicted. It was NOT WIDELY KNOWN that saturated fat clogged arteries and was a killer (my mom used to keep a can of lard in the middle of her stove . . . lol). It was a “cultural thing.” That’s why the plethora of pills now that you mention here. I choose NOT to live that way. I will find alternative therapies as I get older and my need arises for remedies to physical ailments. I will NOT go the “tackle-box-full-of-pills” route. That’s just not for me.

[Hatfield]

I am self-employed, insured by Pacificare, offered through Costco although I received a notice awhile back that no new policies will be issued through Costco. Existing policies would still be honored. For the time being anyway.

My premium went up 34% this year, the largest YoY increase I’ve experienced.

With respect to the health care bill, I was in favor of having either a public option or health-care coops. Was greatly disappointed when these were eliminated.

I would have liked to have seen an experiment where health insurance followed the Auto Club model – a private corporation whose only shareholders were the insureds.

[Hatfield]

I am self-employed, insured by Pacificare, offered through Costco although I received a notice awhile back that no new policies will be issued through Costco. Existing policies would still be honored. For the time being anyway.

My premium went up 34% this year, the largest YoY increase I’ve experienced.

With respect to the health care bill, I was in favor of having either a public option or health-care coops. Was greatly disappointed when these were eliminated.

I would have liked to have seen an experiment where health insurance followed the Auto Club model – a private corporation whose only shareholders were the insureds.

[Hatfield]

I am self-employed, insured by Pacificare, offered through Costco although I received a notice awhile back that no new policies will be issued through Costco. Existing policies would still be honored. For the time being anyway.

My premium went up 34% this year, the largest YoY increase I’ve experienced.

With respect to the health care bill, I was in favor of having either a public option or health-care coops. Was greatly disappointed when these were eliminated.

I would have liked to have seen an experiment where health insurance followed the Auto Club model – a private corporation whose only shareholders were the insureds.

[Hatfield]

I am self-employed, insured by Pacificare, offered through Costco although I received a notice awhile back that no new policies will be issued through Costco. Existing policies would still be honored. For the time being anyway.

My premium went up 34% this year, the largest YoY increase I’ve experienced.

With respect to the health care bill, I was in favor of having either a public option or health-care coops. Was greatly disappointed when these were eliminated.

I would have liked to have seen an experiment where health insurance followed the Auto Club model – a private corporation whose only shareholders were the insureds.

[Hatfield]

I am self-employed, insured by Pacificare, offered through Costco although I received a notice awhile back that no new policies will be issued through Costco. Existing policies would still be honored. For the time being anyway.

My premium went up 34% this year, the largest YoY increase I’ve experienced.

With respect to the health care bill, I was in favor of having either a public option or health-care coops. Was greatly disappointed when these were eliminated.

I would have liked to have seen an experiment where health insurance followed the Auto Club model – a private corporation whose only shareholders were the insureds.

[paramount]

[quote=davelj][quote=paramount]
Sooner or later I’ll wise up and walk away from my house.[/quote]

You and lots of other Piggs say this (often)… and then never actually do it. I’m waiting for one single Pigg to “strategically default.” One. Please be that person. Then we can say that at least one Pigg walked the talk in this department.

Words are plentiful; deeds are precious.[/quote]

Any more violent crimes in my hood and I will walk.

[paramount]

[quote=davelj][quote=paramount]
Sooner or later I’ll wise up and walk away from my house.[/quote]

You and lots of other Piggs say this (often)… and then never actually do it. I’m waiting for one single Pigg to “strategically default.” One. Please be that person. Then we can say that at least one Pigg walked the talk in this department.

Words are plentiful; deeds are precious.[/quote]

Any more violent crimes in my hood and I will walk.

[paramount]

[quote=davelj][quote=paramount]
Sooner or later I’ll wise up and walk away from my house.[/quote]

You and lots of other Piggs say this (often)… and then never actually do it. I’m waiting for one single Pigg to “strategically default.” One. Please be that person. Then we can say that at least one Pigg walked the talk in this department.

Words are plentiful; deeds are precious.[/quote]

Any more violent crimes in my hood and I will walk.

[paramount]

[quote=davelj][quote=paramount]
Sooner or later I’ll wise up and walk away from my house.[/quote]

You and lots of other Piggs say this (often)… and then never actually do it. I’m waiting for one single Pigg to “strategically default.” One. Please be that person. Then we can say that at least one Pigg walked the talk in this department.

Words are plentiful; deeds are precious.[/quote]

Any more violent crimes in my hood and I will walk.

[paramount]

[quote=davelj][quote=paramount]
Sooner or later I’ll wise up and walk away from my house.[/quote]

You and lots of other Piggs say this (often)… and then never actually do it. I’m waiting for one single Pigg to “strategically default.” One. Please be that person. Then we can say that at least one Pigg walked the talk in this department.

Words are plentiful; deeds are precious.[/quote]

Any more violent crimes in my hood and I will walk.

[UCGal]

[quote=flu]Ok…So I have to ask…Did any of you or will any of you actually benefit from the health care changes. I guess folks with preexisting conditions that aren’t covered by a group policy from an employer will.. But I’m just curious if this is beneficial to anyone whom I consider in the need category (un-insurable or harder to insure category). I hope the answer is yes….[/quote]
We’re a pretty typical family – except that my husband and I are older than typical for having young kids.

I ran the numbers… since “preventative” care is paid for 100%, but the premiums only went up $5/month compared to the grandfathered plan. (I work for Mot, we’re splitting and one part is grandfathered, one part is “new” and therefore subject to HCR. We’ll come out ahead. $60/year = 3 copays. But no copays for pap, mamogram, kids checkups. That’s $80/year savings. I’m ahead $20/year. Other than that, the coverage is exactly the same.

If I were on one of the other plans offered by my work the benefit would be the elimination of the lifetime max. For me, that’s huge, since I’ve seen 3 immediate family members die of cancer. But that’s a hypothetical…

[UCGal]

[quote=flu]Ok…So I have to ask…Did any of you or will any of you actually benefit from the health care changes. I guess folks with preexisting conditions that aren’t covered by a group policy from an employer will.. But I’m just curious if this is beneficial to anyone whom I consider in the need category (un-insurable or harder to insure category). I hope the answer is yes….[/quote]
We’re a pretty typical family – except that my husband and I are older than typical for having young kids.

I ran the numbers… since “preventative” care is paid for 100%, but the premiums only went up $5/month compared to the grandfathered plan. (I work for Mot, we’re splitting and one part is grandfathered, one part is “new” and therefore subject to HCR. We’ll come out ahead. $60/year = 3 copays. But no copays for pap, mamogram, kids checkups. That’s $80/year savings. I’m ahead $20/year. Other than that, the coverage is exactly the same.

If I were on one of the other plans offered by my work the benefit would be the elimination of the lifetime max. For me, that’s huge, since I’ve seen 3 immediate family members die of cancer. But that’s a hypothetical…

[UCGal]

[quote=flu]Ok…So I have to ask…Did any of you or will any of you actually benefit from the health care changes. I guess folks with preexisting conditions that aren’t covered by a group policy from an employer will.. But I’m just curious if this is beneficial to anyone whom I consider in the need category (un-insurable or harder to insure category). I hope the answer is yes….[/quote]
We’re a pretty typical family – except that my husband and I are older than typical for having young kids.

I ran the numbers… since “preventative” care is paid for 100%, but the premiums only went up $5/month compared to the grandfathered plan. (I work for Mot, we’re splitting and one part is grandfathered, one part is “new” and therefore subject to HCR. We’ll come out ahead. $60/year = 3 copays. But no copays for pap, mamogram, kids checkups. That’s $80/year savings. I’m ahead $20/year. Other than that, the coverage is exactly the same.

If I were on one of the other plans offered by my work the benefit would be the elimination of the lifetime max. For me, that’s huge, since I’ve seen 3 immediate family members die of cancer. But that’s a hypothetical…

[UCGal]

[quote=flu]Ok…So I have to ask…Did any of you or will any of you actually benefit from the health care changes. I guess folks with preexisting conditions that aren’t covered by a group policy from an employer will.. But I’m just curious if this is beneficial to anyone whom I consider in the need category (un-insurable or harder to insure category). I hope the answer is yes….[/quote]
We’re a pretty typical family – except that my husband and I are older than typical for having young kids.

I ran the numbers… since “preventative” care is paid for 100%, but the premiums only went up $5/month compared to the grandfathered plan. (I work for Mot, we’re splitting and one part is grandfathered, one part is “new” and therefore subject to HCR. We’ll come out ahead. $60/year = 3 copays. But no copays for pap, mamogram, kids checkups. That’s $80/year savings. I’m ahead $20/year. Other than that, the coverage is exactly the same.

If I were on one of the other plans offered by my work the benefit would be the elimination of the lifetime max. For me, that’s huge, since I’ve seen 3 immediate family members die of cancer. But that’s a hypothetical…

[Author]

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