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Old 11-01-2013, 02:57 PM  
Loneiguana Loneiguana is offline
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Another Obamacare horror story debunked

The vast majority of Horror Stories are being Dubunked.

This is just one example.

Quote:
Deborah Cavallaro is a hard-working real estate agent in the Westchester suburb of Los Angeles who has been featured prominently on a round of news shows lately, talking about how badly Obamacare is going to cost her when her existing plan gets canceled and she has to find a replacement.

She says she's angry at President Obama for having promised that people who like their health plans could keep them, when hers is getting canceled for not meeting Obamacare's standards.

"Please explain to me," she told Maria Bartiromo on CNBC Wednesday, "how my plan is a 'substandard' plan when ... I'd be paying more for the exchange plans than I am currently paying by a wide margin."

Bartiromo didn't take her up on her request. So I will.

The bottom line is that Cavallaro's assertion that "there's nothing affordable about the Affordable Care Act," as she put it Tuesday on NBC Channel 4, is the product of her own misunderstandings, abetted by a passel of uninformed and incurious news reporters.

I talked with Cavallaro, 60, after her CNBC appearance. Let's walk through what she told me.

Her current plan, from Anthem Blue Cross, is a catastrophic coverage plan for which she pays $293 a month as an individual policyholder. It requires her to pay a deductible of $5,000 a year and limits her out-of-pocket costs to $8,500 a year. Her plan also limits her to two doctor visits a year, for which she shoulders a copay of $40 each. After that, she pays the whole cost of subsequent visits.

This fits the very definition of a nonconforming plan under Obamacare. The deductible and out-of-pocket maximums are too high, the provisions for doctor visits too skimpy.

As for a replacement plan, she says she was quoted $478 a month by her insurance broker, but that's a lot more than she'll really be paying. Cavallaro told me she hasn't checked the website of Covered California, the state's health plan exchange, herself. I did so while we talked.

Here's what I found. I won't divulge her current income, which is personal, but this year it qualifies her for a hefty federal premium subsidy.

At her age, she's eligible for a good "silver" plan for $333 a month after the subsidy -- $40 a month more than she's paying now. But the plan is much better than her current plan -- the deductible is $2,000, not $5,000. The maximum out-of-pocket expense is $6,350, not $8,500. Her co-pays would be $45 for a primary care visit and $65 for a specialty visit -- but all visits would be covered, not just two.

Is that better than her current plan? Yes, by a mile.

If she wanted to pay less, Cavallaro could opt for lesser coverage in a "bronze" plan. She could buy one from the California exchange for as little as $194 a month. From Anthem, it's $256, or $444 a year less than she's paying now. That buys her a $5,000 deductible (the same as she's paying today) but the out-of-pocket limit is lower, $6,350. Office visits would be $60 for primary care and $70 for specialties, but again with no limit on the number of visits. Factor in the premium savings, and it's hard to deny that she's still ahead.

Cavallaro told me a couple of things that are worth considering. First, what she likes about her current plan is that she can go to any doctor of her choice and any hospital. That's not entirely true, because her current plan with Anthem does favor a network. Plainly, however, it's broad enough to serve her purposes. She's concerned that the new plans will offer smaller networks, which is probably true, though it's not necessarily true that the new networks will exclude her favorite doctors, hospitals or prescription formularies.

She also mentioned that her annual income fluctuates. It can be substantially lower, or substantially higher, than it is this year. What if next year she earns too much to qualify for the subsidy? Also a fair point -- at her current income, the subsidy is worth more than $200 a month to her. But that's not the same as saying that "there's nothing affordable about the Affordable Care Act," because at her current income, the act is vastly more affordable to her than what she's paying now.

When she told Channel 4 that "for the first time in my whole life, I will be without insurance," it's hard to understand what she was talking about. (Channel 4 didn't ask.) Better plans than she has now are available for her to purchase today, some of them for less money.

The sad truth is that Cavallaro has been very poorly served by the health insurance industry and the news media. It seems that Anthem didn't adequately explain her options for 2014 when it disclosed that her current plan is being canceled. If her insurance brokers told her what she says they did, they failed her. And the reporters who interviewed her without getting all the facts produced inexcusably shoddy work -- from Maria Bartiromo on down. They not only did her a disservice, but failed the rest of us too.

http://www.latimes.com/business/hilt...#axzz2jPcI0f8w
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Old 11-02-2013, 08:12 AM   #61
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Quote:
Originally Posted by trndobrd View Post
More stories waiting to be debunked:

Kirsten Smalley: Oh boy! Sign me up right away!! Bronze plan is 580 per month, now that is a tad bitter pill to swallow but what is even worse is the deductible for my husband and I (our daughter has a private plan and we have been uninsured since last August.) 12,000 deductible and NOTHING is paid for until after u meet deductible. Bet people are just mowing over one another to get at this primo medical insurance! Obama you can take your plans and....well, I'm just too much of a lady to even say it!

Lesley Willard: My daughter turns 27 in February. Her silver plan in CoveredCalifornia is $187 per month with $65 well patient doctor visits and $19 per scrip with a $5,000 deductible. So she is out almost $7,000 a year to pay for two doctor visits to get a year's worth of birth control pills. She can stay uninsured, pay a $95 fine and two check-ups and a PAP smear plus a year's worth of BCP for $4 on Cal Family. Guess which direction she's going. If my husband and I were to get insurance comparable to what we have now, our premiums go from $900 per month (we own our own business so that's the full price) to $1,470 with a $12,700 deductible. No Thank You!

Mary Riordan: I just looked at your prices in DE and they are ALL higher than I pay now. I am 62 years old!!!! Why do I need Maternity coverage. This plan is garbage. I don't want it. I can barely afford the $183 I pay now a month. These plans are all over $200 a month!!! You can keep it! I hope it does not go through!!!!!

Jason Hultberg: F this wtf I went on healthcare.gov I have no income they want 200 a month for single person even when I worked I payed 80 a month 2k deductible fu in this plan when I get back to work even at 28k a year single I cannot an will not afford 200 or more a month kiss my back side an I will never pay the penalty because I won't file to have taxes filed to a corrupt goverment

https://www.facebook.com/Healthcare.gov


Oh yea, those huge paragraphs of broken English can be trusted. I believe everything someone writes on Facebook.

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Old 11-02-2013, 08:16 AM   #62
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Doesn't really seem like much got debunked.
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Old 11-02-2013, 09:20 AM   #63
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Originally Posted by Loneiguana View Post
Trusting yahoo and the people who post there to be honest about their stories is like trusting Hannity and the people who go on there to be trustworthy.

They aren't.
Salon takes the cake for credibility.

You are the king of calling out links you don't like or that dipute your point, and then doing the exact same. Is this something you're aware of or are you just slow?
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Old 11-02-2013, 09:25 AM   #64
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The fact Obama lied and Obamacare is going to cost the normal person more money is set in stone in the public's mind. That ship has failed and ain't turning around. Have fun debunking all you want.
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Old 11-02-2013, 06:18 PM   #65
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Quote:
Originally Posted by Loneiguana View Post
Oh yea, those huge paragraphs of broken English can be trusted. I believe everything someone writes on Facebook.

Typical 'Blame the victim' mentality. Whatever happened to liberals caring about people?
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Old 11-02-2013, 06:29 PM   #66
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Quote:
Originally Posted by Loneiguana View Post
Oh yea, those huge paragraphs of broken English can be trusted. I believe everything someone writes on Facebook.

Yeah, common people suck!
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Old 11-02-2013, 07:24 PM   #67
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This "myth" is debunked by the experiences of one person in the USA, so all others will be the same, or at least that's what LoneWorkersParty is suggesting. I guess everyone else that gets their insurance cancelled, and has to pay more for ObamaScare are lying???? Nice try LoneWorkersParty, but I'm not buying your BS.
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Old 11-02-2013, 07:53 PM   #68
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premiums went up on 3,000 Montanans.

http://missoulian.com/news/local/blu...9bb2963f4.html

'HELENA – Blue Cross and Blue Shield of Montana, the state’s largest private health insurer, told thousands of customers this week it is raising premiums 3.5 percent in January because of “Obamacare” fees and taxes.

The notice, dated Thursday, went to nearly 3,000 holders of group policies, which insure tens of thousands of Montanans. Blue Cross said it didn’t have an exact count of how many people are covered by the affected plans.

Some of those policyholders signed yearlong contracts earlier this year and are getting a midyear increase, which Montana law generally forbids.

But the law has an exception that says an insurer can increase premiums in the middle of a contract year if costs are affected by a change in state or federal law.

Blue Cross linked the increase to fees taking effect Jan. 1 – although insurers have known for some time about the charges.

“We are following the law,” said John Doran, director of strategic marketing services for Blue Cross Montana. “We made that decision feeling it was in the best interest of our members. … We waited until the last available minute to assess these fees.”

Other major health insurers in Montana aren’t invoking the law, saying they already built any costs from the Affordable Care Act – also known as Obamacare – into their current premiums.

“We’re honoring our current rates,” said Todd Lovshin of PacificSource, which insures about 19,000 people in Montana. “We’ve known about the (fees) for a long time and we knew they were going to be collected.”

The Blue Cross notice referenced two ACA charges effective Jan. 1: A flat-rate federal tax on all health insurers, to raise $8 billion nationwide to help pay costs of the overall act, and an annual “reinsurance fee” of $63 per person insured.

The reinsurance fee was created to provide a financial backstop to insurance firms selling policies on the new Internet marketplace, including Blue Cross.

It creates a national fund that will pay portions of high-cost claims for people who buy insurance through the state-based, Internet marketplaces. Insurers lobbied for the reinsurance pool, saying they’ll be exposed to more risk because starting in 2014, they aren’t allowed to adjust the cost of coverage for people with pre-existing health conditions.

Some Montana employers who recently arranged yearlong contracts with Blue Cross aren’t happy about getting a rate increase a few months into their contract.

“There are more thoughtful ways of doing this,” said Richard Miltenberger of Mountain West Benefits, a Helena firm that helps arrange health coverage for a variety of employers. “(Blue Cross) could just absorb this out of their reserves until their policies renew.

“It’s only the people who thought they had a 12-month rate who are getting screwed here.”

Jesse Laslovich, chief counsel for the state insurance commissioner’s office, said he thought initially Blue Cross couldn’t do a mid-contract increase – but that the law does allow for increases in response to a change in state or federal law.

Doran said Blue Cross felt it was better to wait until the fee was actually imposed before passing the cost onto customers.'
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Old 11-02-2013, 07:55 PM   #69
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Quote:
Originally Posted by Johnny Vegas View Post
premiums went up on 3,000 Montanans.

http://missoulian.com/news/local/blu...9bb2963f4.html

'HELENA – Blue Cross and Blue Shield of Montana, the state’s largest private health insurer, told thousands of customers this week it is raising premiums 3.5 percent in January because of “Obamacare” fees and taxes.

The notice, dated Thursday, went to nearly 3,000 holders of group policies, which insure tens of thousands of Montanans. Blue Cross said it didn’t have an exact count of how many people are covered by the affected plans.

Some of those policyholders signed yearlong contracts earlier this year and are getting a midyear increase, which Montana law generally forbids.

But the law has an exception that says an insurer can increase premiums in the middle of a contract year if costs are affected by a change in state or federal law.

Blue Cross linked the increase to fees taking effect Jan. 1 – although insurers have known for some time about the charges.

“We are following the law,” said John Doran, director of strategic marketing services for Blue Cross Montana. “We made that decision feeling it was in the best interest of our members. … We waited until the last available minute to assess these fees.”

Other major health insurers in Montana aren’t invoking the law, saying they already built any costs from the Affordable Care Act – also known as Obamacare – into their current premiums.

“We’re honoring our current rates,” said Todd Lovshin of PacificSource, which insures about 19,000 people in Montana. “We’ve known about the (fees) for a long time and we knew they were going to be collected.”

The Blue Cross notice referenced two ACA charges effective Jan. 1: A flat-rate federal tax on all health insurers, to raise $8 billion nationwide to help pay costs of the overall act, and an annual “reinsurance fee” of $63 per person insured.

The reinsurance fee was created to provide a financial backstop to insurance firms selling policies on the new Internet marketplace, including Blue Cross.

It creates a national fund that will pay portions of high-cost claims for people who buy insurance through the state-based, Internet marketplaces. Insurers lobbied for the reinsurance pool, saying they’ll be exposed to more risk because starting in 2014, they aren’t allowed to adjust the cost of coverage for people with pre-existing health conditions.

Some Montana employers who recently arranged yearlong contracts with Blue Cross aren’t happy about getting a rate increase a few months into their contract.

“There are more thoughtful ways of doing this,” said Richard Miltenberger of Mountain West Benefits, a Helena firm that helps arrange health coverage for a variety of employers. “(Blue Cross) could just absorb this out of their reserves until their policies renew.

“It’s only the people who thought they had a 12-month rate who are getting screwed here.”

Jesse Laslovich, chief counsel for the state insurance commissioner’s office, said he thought initially Blue Cross couldn’t do a mid-contract increase – but that the law does allow for increases in response to a change in state or federal law.

Doran said Blue Cross felt it was better to wait until the fee was actually imposed before passing the cost onto customers.'
Lots of lies in that one/Libtards
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Old 11-02-2013, 09:05 PM   #70
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Poor Loneiguana. None of his pillowbiterot friends will suck his aids infested dick because he lost his health care.
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Old 11-02-2013, 11:33 PM   #71
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Quote:
Originally Posted by Johnny Vegas View Post
premiums went up on 3,000 Montanans.

http://missoulian.com/news/local/blu...9bb2963f4.html

'HELENA – Blue Cross and Blue Shield of Montana, the state’s largest private health insurer, told thousands of customers this week it is raising premiums 3.5 percent in January because of “Obamacare” fees and taxes.

The notice, dated Thursday, went to nearly 3,000 holders of group policies, which insure tens of thousands of Montanans. Blue Cross said it didn’t have an exact count of how many people are covered by the affected plans.

Some of those policyholders signed yearlong contracts earlier this year and are getting a midyear increase, which Montana law generally forbids.

But the law has an exception that says an insurer can increase premiums in the middle of a contract year if costs are affected by a change in state or federal law.

Blue Cross linked the increase to fees taking effect Jan. 1 – although insurers have known for some time about the charges.

“We are following the law,” said John Doran, director of strategic marketing services for Blue Cross Montana. “We made that decision feeling it was in the best interest of our members. … We waited until the last available minute to assess these fees.”

Other major health insurers in Montana aren’t invoking the law, saying they already built any costs from the Affordable Care Act – also known as Obamacare – into their current premiums.

“We’re honoring our current rates,” said Todd Lovshin of PacificSource, which insures about 19,000 people in Montana. “We’ve known about the (fees) for a long time and we knew they were going to be collected.”

The Blue Cross notice referenced two ACA charges effective Jan. 1: A flat-rate federal tax on all health insurers, to raise $8 billion nationwide to help pay costs of the overall act, and an annual “reinsurance fee” of $63 per person insured.

The reinsurance fee was created to provide a financial backstop to insurance firms selling policies on the new Internet marketplace, including Blue Cross.

It creates a national fund that will pay portions of high-cost claims for people who buy insurance through the state-based, Internet marketplaces. Insurers lobbied for the reinsurance pool, saying they’ll be exposed to more risk because starting in 2014, they aren’t allowed to adjust the cost of coverage for people with pre-existing health conditions.

Some Montana employers who recently arranged yearlong contracts with Blue Cross aren’t happy about getting a rate increase a few months into their contract.

“There are more thoughtful ways of doing this,” said Richard Miltenberger of Mountain West Benefits, a Helena firm that helps arrange health coverage for a variety of employers. “(Blue Cross) could just absorb this out of their reserves until their policies renew.

“It’s only the people who thought they had a 12-month rate who are getting screwed here.”

Jesse Laslovich, chief counsel for the state insurance commissioner’s office, said he thought initially Blue Cross couldn’t do a mid-contract increase – but that the law does allow for increases in response to a change in state or federal law.

Doran said Blue Cross felt it was better to wait until the fee was actually imposed before passing the cost onto customers.'
So this article is making the case against Montana Blue Cross.

Some people will blame insurance companies' decisions on Obamacare.

Some people will think the insurance company is out of line and will look for a better insurance company to do business with.

Of course, states with Democrats elected as governors and legislative majorities who set up their own exchanges and expanded Medicaid will have more insurers doing business there and the customer will have more choice in deciding on which company to do business with.
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Old 11-02-2013, 11:44 PM   #72
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None of these politicians represent us, the two party system is a scam, an illusion of choice, we get this smash and grab no matter who we elect. Nobody asked for anyone to give us this, and nobody in the monopoly actually represent us. We were explicitly told this was not a tax and would bring our costs down. Remember the standards you brainwashed bum **** barry drones allow because it becomes the carte blanche, lies are OK etc are passed on to the next regime that won't be your guy.
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Old 11-03-2013, 06:35 AM   #73
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None of these politicians represent us, the two party system is a scam, an illusion of choice, we get this smash and grab no matter who we elect. Nobody asked for anyone to give us this, and nobody in the monopoly actually represent us. We were explicitly told this was not a tax and would bring our costs down. Remember the standards you brainwashed bum **** barry drones allow because it becomes the carte blanche, lies are OK etc are passed on to the next regime that won't be your guy.
Well there are actually some who asked for it. This guy and his sister(s) (pictured below him) prolly asked for it.



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Old 11-03-2013, 06:48 AM   #74
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It should have never come to this this ****ing gov deciding what is best for everyone is bullshit who are you to tell me what Is best for my family or force people to buy something they don't want.

a pack of ****ing lies from the cant touch me I have the power 36 more months of ****ing lies and cover ups!!!!

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Old 11-03-2013, 08:49 AM   #75
donkhater donkhater is offline
Brilliant!!
 
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I got into a discussion with a French coworker of mine. He couldn't understand why the US doesn't go to the full nationalized health care. After talking about it with him for a while, what I realized is that the European culture is influenced by their monarch type history. They have always had a ruling class that has dictated their lifestyles.

America, of course, was built on the concepts of liberty and individualism. These tenets are being ignored by our current overlords. It is true that we, as a nation, have been drifting more slowly towards the European model, but it is not a match for the culture of the country and that should be taken into account.
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