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Green Mountain Healthcare of Vermont; The nation's first single payer healthcare system
Topic Started: Jan 2 2014, 05:36 AM (671 Views)
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Fire & Ice Senior Diplomat
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Most premiums are increasing . . . except of course the majority who are signing on for medicaid.
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tomdrobin
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Berton
Jan 2 2014, 06:05 AM
When are my insurance premiums going to go down? This month? This year? When?
Slowing the growth in health care spending doesn't mean insurance premiums will go down. More appropriately they won't go up as much as they would have if the ACA was not implemented. When I first went on medicare, I signed up for a medigap policy through a private insurance company that covered what medicare didn't. It was a little over $100 a month for each of us in addition to our medicare premiums. Over the course of 4 years it almost doubled for a total $400 for the both of us in addition to the medicare premiums. And, that is pretty typical of the rate of inflation in health care spending. That is why many in the private market were being priced right out of the ability to afford coverage. And, employers were continually having to cut benefits and ask employees to pay more of the cost of the plans they furnished. What keeps being overlooked in the anti Obamacare rants is that we were headed for an unsustainable situation and that doing nothing was not an option. The actual plan they came up with is not a liberal plan, it is right out of the GOP playbook. But, you wouldn't know it from the anti Obamacare fervor that passes for reasoned discourse these days.
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Berton
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Mike
Jan 2 2014, 11:59 PM
Berton
Jan 2 2014, 06:05 AM
When are my insurance premiums going to go down? This month? This year? When?
Berton,

What healthcare plan do you have?

Mike, I have Medicare and a supplement. I was assured, not promised, that my premiums would go down by the Democrats. I want to know when.

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Berton
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tomdrobin
Jan 4 2014, 05:03 AM
Berton
Jan 2 2014, 06:05 AM
When are my insurance premiums going to go down? This month? This year? When?
Slowing the growth in health care spending doesn't mean insurance premiums will go down. More appropriately they won't go up as much as they would have if the ACA was not implemented. When I first went on medicare, I signed up for a medigap policy through a private insurance company that covered what medicare didn't. It was a little over $100 a month for each of us in addition to our medicare premiums. Over the course of 4 years it almost doubled for a total $400 for the both of us in addition to the medicare premiums. And, that is pretty typical of the rate of inflation in health care spending. That is why many in the private market were being priced right out of the ability to afford coverage. And, employers were continually having to cut benefits and ask employees to pay more of the cost of the plans they furnished. What keeps being overlooked in the anti Obamacare rants is that we were headed for an unsustainable situation and that doing nothing was not an option. The actual plan they came up with is not a liberal plan, it is right out of the GOP playbook. But, you wouldn't know it from the anti Obamacare fervor that passes for reasoned discourse these days.

The Democrats promised the premiums would go down. Are you saying that was another lie they told to get Obmacare passed?

BTW - I have been paying for my supplemental insurance for more years than you and it has not gone up near that much.

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tomdrobin
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Quote:
 
ObamaCare's Medicare / Medicaid Reforms

One of the biggest impacts ObamaCare has is on both Medicare and Medicaid.

ObamaCare cuts $716 billion in "waste" from Medicare and reinvests it back into Medicare and ObamaCare in an effort to improve the care that seniors get. It addresses issues such as closing the Medicare Part D "donut hole" and providing better quality preventive services to seniors. Read More On Obamacare and Medicare and How it affects seniors.

ObamaCare Medicaid Expansion expands Medicaid to 15.9 million of our nation's poorest including 9 million children by means of expanding CHIP. However, this aspect of healthcare reform is in jeopardy due to the states' ability to opt-out of Medicaid expansion. 16 States have already opted out of Medicaid expansion. Find out more about ObamaCare Expanding Medicaid
(All ObamaCareFacts.com ObamaCare images are public domain)

What Will ObamaCare Cost Me?

ObamaCare (the Affordable Care Act) contains both new taxes and the requirement to obtain health insurance, and for some of us that will mean paying more. The ACA promises that more people will have access to affordable, quality health insurance and it succeeds, but that doesn't mean everyone will pay less. In general the less you make, the less you pay. Regardless of if you will pay more or less, the quality of health insurance you receive has new, benefits, rights and protections making it a better quality health health insurance. After all, what good is health insurance that drops you when you get sick, drops you when you use too much, or denies you for being sick in the first place?

At the end of the day we all already pay for unpaid hospital bills (paid with taxpayer money), Medicare, Medicaid, and our own health related costs. In a different country we may have gone with a "single payer" system, but instead we came up with the Affordable Care Act, a uniquely American solution to health care reform. While the solution does address the growing cost of health care, it's true focus is on reforming and expanding health insurance. Until we as a nation address the root causes of health care costs in some meaningful way the costs and taxes associated with healthcare will continue to put a burden on Americans regardless of the law. Check out our health care facts to understand more about why we need to reform not only health insurance, but health care spending.

Learn more about the Costs of ObamaCare and ObamaCare taxes to get an idea of what costs you, your family and your business will be responsible for.


http://obamacarefacts.com/

Lots of answers to your questions right at this website. If your intent is just to diss Obamacare (The ACA) then you probably aren't interested in facts.
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tomdrobin
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Berton
Jan 4 2014, 05:10 AM
BTW - I have been paying for my supplemental insurance for more years than you and it has not gone up near that much.

That's what happened with us, a plan F (no out of pocket) from Mutual of Omaha.

We switched to a medicare advantage plan through Humana and it has saved us a lot of money even though we have copays.
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Berton
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tomdrobin
Jan 4 2014, 05:14 AM
Quote:
 
ObamaCare's Medicare / Medicaid Reforms

One of the biggest impacts ObamaCare has is on both Medicare and Medicaid.

ObamaCare cuts $716 billion in "waste" from Medicare and reinvests it back into Medicare and ObamaCare in an effort to improve the care that seniors get. It addresses issues such as closing the Medicare Part D "donut hole" and providing better quality preventive services to seniors. Read More On Obamacare and Medicare and How it affects seniors.

ObamaCare Medicaid Expansion expands Medicaid to 15.9 million of our nation's poorest including 9 million children by means of expanding CHIP. However, this aspect of healthcare reform is in jeopardy due to the states' ability to opt-out of Medicaid expansion. 16 States have already opted out of Medicaid expansion. Find out more about ObamaCare Expanding Medicaid
(All ObamaCareFacts.com ObamaCare images are public domain)

What Will ObamaCare Cost Me?

ObamaCare (the Affordable Care Act) contains both new taxes and the requirement to obtain health insurance, and for some of us that will mean paying more. The ACA promises that more people will have access to affordable, quality health insurance and it succeeds, but that doesn't mean everyone will pay less. In general the less you make, the less you pay. Regardless of if you will pay more or less, the quality of health insurance you receive has new, benefits, rights and protections making it a better quality health health insurance. After all, what good is health insurance that drops you when you get sick, drops you when you use too much, or denies you for being sick in the first place?

At the end of the day we all already pay for unpaid hospital bills (paid with taxpayer money), Medicare, Medicaid, and our own health related costs. In a different country we may have gone with a "single payer" system, but instead we came up with the Affordable Care Act, a uniquely American solution to health care reform. While the solution does address the growing cost of health care, it's true focus is on reforming and expanding health insurance. Until we as a nation address the root causes of health care costs in some meaningful way the costs and taxes associated with healthcare will continue to put a burden on Americans regardless of the law. Check out our health care facts to understand more about why we need to reform not only health insurance, but health care spending.

Learn more about the Costs of ObamaCare and ObamaCare taxes to get an idea of what costs you, your family and your business will be responsible for.


http://obamacarefacts.com/

Lots of answers to your questions right at this website. If your intent is just to diss Obamacare (The ACA) then you probably aren't interested in facts.

I am interested in getting the facts straight. The Democrats promised healthcare premiums would go down. When is that going to happen? If it is not going to happen then the only conclusion is that it was another of the lies told to be able to get Obamacare passed.

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Berton
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tomdrobin
Jan 4 2014, 05:17 AM
Berton
Jan 4 2014, 05:10 AM
BTW - I have been paying for my supplemental insurance for more years than you and it has not gone up near that much.

That's what happened with us, a plan F (no out of pocket) from Mutual of Omaha.

We switched to a medicare advantage plan through Humana and it has saved us a lot of money even though we have copays.

You said yours had more than doubled. I said mine has not gone up near that much. I don't know of any statistics which show healthcare premiums industry wide more than doubling in 4 years. Not saying yours didn't, just that if they did I don't think that was the norm.

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There is not a supplement in the country that has doubled.
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campingken
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Berton,

Why should your premiums go down? You are over 65 and it is a fact that for the average person 85% of their life time medical expenses occur after age 65. The $100 odd dollars you pay a month for Medicare is a screaming deal.
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