ObamaCare.... Hits home
 

Been with Blue Cross for 13 years with my company and went to put my girl on Dental insurance.... can not enroll till Nov and can not even see a dentist till 2014

And from what im hearing its for all our insurance Health/eye/dental


Obama Said its going to be Great!!

Just hope she has no dental needs until 2014!! Or out of my pocket!!

Usually insurance companies / employers allow for additions to plan outside of the annual enrollment for 3 reasons; marriage, birth of child and adoption.
Other then that changes can only b made during the open annual enrollment.
Most dental, vision insurance has waiting periods(6 ,12 & 24 months) for specific procedures; crowns, implants, fillings , cataract correction etc. but simple teeth cleaning / annual exam or eye exam / prescription lens should have no waiting periods.
I'm on blue cross and this is how my plan operates

W did U call ur company or BCBS??

You have to wait for open enrollment. That has been around long before anyone ever heard of Obama. There is usually an exemption to that for new births though.

What does this have to do with Obama? While I am no supporter this does not look like an Obama issue. We have to put of big kid pants on and take a little responsiblity for ourselfs. Most insurance has open enrollment periods. Outside that period you can not enroll. This has been standard for many many years. If we do not like the standard we must as a group standup and make them change their ways. One person can not do it alone. I am sure your company publishes this information every year. Now if there was loss of coverage then there are normally exceptons to teh enrollment times.

Yea, what ur talking about has been the rule for group health insurance since group health insurance was formed.

Call ur company W. they will help you, but I'm pretty sure that you only have 60-90 days to add a child after birth or adoption . Same with getting married.

That was the case when I added my wife.

We dont have open enrollment for new borns it has always been from Day one...
Dental was year to date of birth but now the new Obamacare laws have change this in ours

How old is that baby girl W?

1 year and two months and was supposed to be added to Dental after her 1 year of birth to the date and has been like this for years

Ins said due to new law that was placed for 2014..

Consider yourself lucky, I own a business that deals with medical supplies and starting July 1,I will be hit with a loss to the tone of 95,000 per year.

My employer also has BCBS and the past 3 years we've had a 28% increase in our rates. Saw on the news last night obamacare is going to force everyone's rates up again

According to my insurance guy, we're looking at an 80-116% increase on individuals! I can't wait to pay $1400/mo for a $3800 deductible!:pissed:

It's a huge crock of crap. I work for a sheriffs office. The Louisiana Sheriffs Assoc gets bids on ins comps and decide on a policy for all sheriffs offices. The sheriff has the option to use someone else but you know they won't rock the good ole boy boat. Someone is getting some nice kick backs on that deal. I pay 703 a month for my wife and son and each one of us have a $500 deductible

Yeah but but just think how mad All those Obama supporters are going to be when they find out that they have to pay a 1% penalty on their taxes if they don't buy the affordable insurance.






Wait can somebody please get a calculator and let me know what 1% of nothing is? :pissed:

You have to work to pay 1% and most of Obama supporters dont work

4 reasons..divorce!

**** Obama and The Affordable Health Care Act

^^racist

Funny how its called the "affordable" health care act but for us it will be more expensive

How do you know what **** means?????:p

^^^^^
http://i.imgur.com/xV3sl.gif

LOL!!!! I didn't want to steal that GIF, glad you posted

Well that depends; if the other spouse has group coverage available and thier premium will b equal to it less then the current amount payed ( for thier portion of the current coverage) then it is possible.
But the spouse who is an addition to the group plan can file for a "stay" on the insurance until they are able to get on a new coverage. this only concerns the time divorce is filed to divorce is FInAL ;when the divorce is FINAL it automatically kicks them off.

What as been kicked around on the Obama plan is a 60/40 which would put users of the plan paying 40 percent. If that does hold out to be the case there will be some unhappy people when you consider a child birth costing between $7,000 to $14,000 not including a c section. Want a cat scan? 40 percent of around $2,000. Let the good times roll....

What we will see are rising rates from insurers that will force almost everyone into the federal plan. If you want to keep bcbs they will take you once this kicks in but you better be ready to pay for it.

By 2017 i see most Independent Health care insurances gone..doors close for Gov insurance that will be Bankrupt before it starts


Dr appt will take 6 weeks for a cold (which will be gone)

If you have cancer and over 65 just make the sign of the cross and say your last wishes!!!

Soooooo what ur saying is its gonna b more expensive to have the current plans we have ; and cheaper to get on the Gov plan??
What is the difference in coverage/ available treatments / hospitals etc.?

I believe the government plan from a premium perspective by design will be cheaper than any other option available which will flush people out of current managed care providers.

The rest is just my opinion but I believe the quality of care will decrease and for major medical situations the out of pocket will be more. I believe the government plan will use actuarial tables to determine which types of treatments will be covered based upon age and severity. For example if you were 75, had a disease that only had a 15 percent chance of a cure I believe the focus would be to make you comfortable not cure you.

For a period during my career I was involved in management of a major health care network and these types pf conversations took place even then with no government plan and lack of funding. This was simply based upon greed and profit.

Again just my opinion....

Why do you think congress refused to be part of the plan? They passed it for "us" but they aren't going to put their family on it. I wonder why?

There will be loopholes for quality care but its going to require $$$$

Good thing those who voted this in are mostly exempt....makes you go hmmmmm...

^^^
I agree

I hope we are both wrong.

I'm just wondering from the obvious abuse of power within the IRS...how can we sit back and let this horrible program be implemented...

People's inability to comprehend the repercussion of this are to blame...I call it the honey boo boo society...brainwashed by tv and the liberal agenda...smoke and mirrors...

Maybe I'm wrong but the solution is much more involved....but it would take a collective group with a financial/business sense to pull the healthcare system out of ruin.

All this will do is stagnate the development of new treatments and medicine...say goodbye to quality healthcare available to the avg joe...I'm going to be a pissed sob one day when I know my child could have received better care under our current or older system...pissed

Sulphite, we live in a world where our gov't is above the law now. Many refer to it as communism.

Yea; I'd love to b wrong here!

TIME OF CHANGE has arrived; I only hope I don't have to have relive being in third world control. Although we were always in protection we still witnessed what the national people were subjected to day in day out.Though times and condtion's are quickly changing. The rest of the story will be up to the things of change.

ACA will implode within 2 yrs and the HC xchanges will not be cheaper than private plans. BCBS will not answer my questions regarding their ability to pickup when this happens or their actuarial numbers. It is my opinion that they know what the final outcome will be with the ACA. UHC wrote the program and sold it to everyone else but will not be using it to determine their premiums, wonder why?? UHC was and is in bed wih AARP the communist senior citizen org who also sponsored the ACA through millions of $$ with of radio and tv ads. I believe they are hedging and know any HC org who buys into ACA won't be around when it goes bad so they will be the monopoly for years to come in HC. This is all just my theory and might be incorrect but I try to follow the money in cases like these.

Government health care is nothing more than a TAX!! Your taxed no matter what you do!! So bottom line is your going to bend over and take it one way or another but were _ _ _ _ ed!!

W im with blue cross also and I was just able to do a change to mine...there was a section that had eligible events i.e, new borns, death divorce etc., or did this just go into effect within this last month or so???


Sent From an Apple Tree.

Really it is just a plan that is not adequately funded much like social security. In order to pay for this plan yes middle class to corporate tax rates will go up.

Rest assured those that do not pay taxes now and receive the earned income credit (a form of welfare that is not talked about) will continue to do as they have always done.

In summary healthcare and qualify of life for middle class and higher people will decrease while thier taxes increase. Lower class people that pay little to no taxes will actually have a better quality of life and enjoy the same health care "we" "enjoy". The only difference is we will pay for ours and their shortfall only to end up in a worse spot than we were prior to the plan.

It's a huge win for those that are un-employed and or very low income earners. Those of us that work hard to make sure our families are taken care of...... Not so much.

Obama politics and the democratic mind set is a Robin Hood mentality. Take from the "rich" and give to the poor. Since 50 percent of the people pay little to no taxes the party will continue to remain in power. The problem is most of us are far from rich and already pay significant taxes for no representation. Take Texas and Louisiana for example. Do you think his group would ever look out for our best interest? Of course not these are republican states. Our states will be taxed to pay for those states and groups that support his socialistic view point.

I normally stay away from politics since there is nothing I can do. My two states did not elect our President.