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Forum > Miscellaneous > Your medical insurance !!!!!!!!! ( Moderated by Deepika, EleanorSews, CynthiaSue)

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Your medical insurance !!!!!!!!!
Has your insurance gone up??????????
skae
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skae  Friend of PR
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Date: 10/21/13 12:36 PM

My husband just retired in February of this year.
We were at 500. For insurance for the two of us.
Now they have open enrollment it jumped from
500. To over 800. A month. We are on the hunt
For insurance now. I don't think we realized we would
Have to pay so soon. May they should relook at that
Obama care. I'm in for helping but not at a big jump
On my insurance.
What do you think.

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Ecclesiastes 11:7,8 Nothing on earth is more beautiful than the morning sun. Even if you live to a ripe old age, you should try to enjoy each day, because darkness will come and will last a long time. (CEV)

clothingengineer
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Date: 10/21/13 1:37 PM

My monthly contribution to my employer-sponsored insurance went up 20% this year, largely due to Obamacare.

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-- Anne
clothingengineer.com

Pinkytoo
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Date: 10/21/13 1:51 PM

My insurance premiums are the same next year as they are this year and were last year. I have Aetna Blue Cross/Blue Shield and we pay $179 every two weeks for the family plan. My family plan, thanks to the ACA, includes my son who is 24 yrs. old (not in school, working and living on his own on the other side of the country) who had no other health insurance options other than a completely unaffordable private plan.

I wish greedy insurance companies would stop blaming everything on "Obamacare."

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Sewing is my therapy!

a7yrstitch
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a7yrstitch  Friend of PR
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In reply to skae <<
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Date: 10/21/13 1:52 PM

I think the solution to fix things for 15% is turning the world upside down for many. I think we could have figured out a better way to improve, enhance and augment what we had to assist the 15%.

Our health coverage already went up. We are very concerned as we should already have seen enrollment information for next year and have not.

My husband has worked for years under all conditions, including grueling field work and years of nonstop travel, to earn his package which originally included retirement benefits of health insurance for both of us until age 65. He's put in the years and put in the service - even in the rough times when my income made it possible for him to continue with the company. Since the announcement of government mandated stuff the insurance after retirement has been changed. I have lost that coverage.

I have heard that as of last week Texas did not have an exchange in place. A medical talk radio host took a call from someone in a circumstance similar to mine - age, difference in spouses ages, etc. They checked the exchange from a state that they guessed would be similar to Texas.

The woman is 61. The Silver plan from the other state would be about 1,000 per month with a copayment of 15%. I don't remember if the deductible was 2,500 or 5,000. Huge, that is a huge increase to us in overall costs. And then, of course, an increase in taxes to pay for all the subsidies.

If you think I am out of mind for thinking that is huge, please note that there had been an already earned package for us. When other employers came knocking, we looked at the total package my husband was receiving and determined that the security offered at the end was worth lesser incentives up front. The company capitalized on this by issuing a booklet every year showing the package and the projected package into retirement. Who knew that our own government would not foresee that a less than insightful program would undermine that security that had already been earned.

I'd have much preferred an intelligently thought out increase in taxes to have improved upon what was in place for the 15%. And restrictions forcing a tax increase for that purpose to be used for that purpose.

As you can imagine, I have many more thoughts on this. At the very tail end is this; when this program decimates a good share of retired middle America, the next generation will be squeezed to death in trying to help their financially broken parents while struggling to pay for their own medical insurance as well as covering higher taxes to pay for subsidies for the folks who will still be struggling to find work.

Cart before the horse??? Jobs for people who are able to work first? Reasonable restrictions on immigration until employment prospects are improved for everyone that is here? Government making it easier for business to produce jobs here?

And, I don't want to hear anymore about buckets and fair shares. I started carrying a bucket when I was 12. I started putting into the bucket when I was 14; my husband at 15. I chose to struggle at a time in my life when I was offered an opportunity to take from the bucket. Why has it been decreed that my bucket, our buckets must now be emptied and that we have to start over.

I'll happily edit this to just include the comparison of the 61 year old married woman in similar circumstances. I hope though, that everyone can truly express what they think. It is easy enough to discern from the combatting political parties that there are different viewpoints. I intend no criticism of those other views.













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Robin L

Robin L
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In reply to skae <<
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Date: 10/21/13 1:54 PM

In addition to the monthly payment going up, the out of pocket deductible went up as well. $2,500 per individual. $5,000 per family.

quiltingwolf
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quiltingwolf
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Date: 10/21/13 1:54 PM

We were lucky our work insurance has us renew early so we wouldn't be hit with the increase at least not for a year. Honestly we'd do better on the exchanges then for the large amount we have to pay and the little insurance we get for it considering the high deductible we have.

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quiltingwolf.blogspot.com

Pinkytoo
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Date: 10/21/13 1:56 PM

Those age 62 and older are eligible for Medicare.

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Sewing is my therapy!

Pinkytoo
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In reply to a7yrstitch <<
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Date: 10/21/13 2:00 PM

ACA in Texas

The best advice I have is: Don't listen to talk radio or others - check for yourself.

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Sewing is my therapy!

poorpigling

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In reply to skae <<


Date: 10/21/13 2:06 PM

I am sorry skae.. and the worst news is we won't know how it will change in the years to come.. and yes.. so many of our deductibles and co pays are increasing.. I have no solution.. but can only offer my empathy to all..
I would look around a lot. check out the exchanges.. compare plans and prices..

JustAsergin
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In reply to Pinkytoo <<
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Date: 10/21/13 2:25 PM

skae, and RobinL and ClothingEngineer, and several others in this thread did check for themselves, and they are relaying "the facts" that they found out pertaining to their own personal situations. we are also finding out the same info.

-- Edited to add a missing word :-)
-- Edited on 10/21/13 2:49 PM --

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