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-- the truth will set you free obama supporters (http://forums.ukcdogs.com/showthread.php?threadid=928345097)

quote:

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Originally posted by truly
I know this is factual not only from first hand accounts of folks who work in the healthcare industry but also from numerous media outlets. Here is an example:
from Consumer Reports magazine -- March 2012

[...]
Judith Goss, 48, of Macomb, Mich., believed that the Cigna plan she obtained through her job at the Talbots retail chain was “some type of insurance that would cover something.” When the store she worked at closed in January 2011, she even paid $65 a month to keep the coverage through COBRA.
“I was aware that it wasn’t a great plan, but I wasn’t concerned because I wasn’t sick,” she says. But in July 2011 she was diagnosed with breast cancer, at which point the policy’s annual limits of $1,000 a year for outpatient treatment and $2,000 for hospitalization became a huge problem. Facing a $30,000 hospital bill, she delayed treatment. “Finally my surgeon said, ‘Judy, you can’t wait anymore.’ While I was waiting my tumor became larger. It was 3 centimeters when they found it and 9 centimeters when they took it out.” After a double mastectomy, radiation treatments, and reconstructive surgery, Goss is taking the drug tamoxifen to prevent recurrence.

The Talbots Cigna Starbridge plan is one of many similar mini-med insurance products aimed at workers in industries such as retail, food service, and temporary staffing agencies. Their hallmark is extremely limited benefits, often, as with the Talbots plan, no more than a few thousand dollars a year. A Cigna promotional brochure touts the plans as “coverage for everyone” and reassures employers that they don’t have to contribute to the cost of the coverage if they don’t want to.
[…]

I wish I knew how to bold things. But I don't, so go back and read that part about the "annual limit of $1,000 a year for outpatient treatment and $2,000 for hospitalization".
This woman is paying nearly 800$ per year and the most she can get back is 3000$ in any year. That is junk insurance. Just about every insurer offers a few junk plans because they know there are consumers who want to buy junk. It gives them peace of mind. Then when they need it they are left to die or go bankrupt.
One of the huge advantages of Obamacare that I have talked about before is the requirement that all policies have a standard 4 page summary that explains in PLAIN ENGLISH what the benefits/caps/limits are. Even though some of these policies could have been grandfathered in, once consumers realize how junky the policy was they will never want to do business with that insurer again. And they will be able to use this standardized summary to do this. Many of those high deductible junk policies paid back only 60-70 cents on the dollar. They now must reach the threshold of 80% payback. SO even though these might be grandfathered in, once you can do an "apples to apples" comparison you would no longer want that policy.

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__________________
All my life I wanted to be somebody, now I realize I should have been more specific. I carry a gun because I am too young to die and too old to take an asswhoopin.

COBRA Has No Set Cost. The Person Who Has Cobra Benefits From The Workplace Termination, PAYS THE COST OF THE INSURANCE PLUS $1.00!!!! It Runs Out After 36 Months, I Believe. I'll Check That And Correct It If It's Not Accurate. I Haven't Fooled With COBRA For {8} Eight Years!! So, If The Cost Of Insurance Is $800.00 A Month, The Person Pays $801 Dollars A Month To Keep The Insurance.

quote:

---

Originally posted by truly
I know this is factual not only from first hand accounts of folks who work in the healthcare industry but also from numerous media outlets. Here is an example:
from Consumer Reports magazine -- March 2012

[...]
Judith Goss, 48, of Macomb, Mich., believed that the Cigna plan she obtained through her job at the Talbots retail chain was “some type of insurance that would cover something.” When the store she worked at closed in January 2011, she even paid $65 a month to keep the coverage through COBRA.
“I was aware that it wasn’t a great plan, but I wasn’t concerned because I wasn’t sick,” she says. But in July 2011 she was diagnosed with breast cancer, at which point the policy’s annual limits of $1,000 a year for outpatient treatment and $2,000 for hospitalization became a huge problem. Facing a $30,000 hospital bill, she delayed treatment. “Finally my surgeon said, ‘Judy, you can’t wait anymore.’ While I was waiting my tumor became larger. It was 3 centimeters when they found it and 9 centimeters when they took it out.” After a double mastectomy, radiation treatments, and reconstructive surgery, Goss is taking the drug tamoxifen to prevent recurrence.

The Talbots Cigna Starbridge plan is one of many similar mini-med insurance products aimed at workers in industries such as retail, food service, and temporary staffing agencies. Their hallmark is extremely limited benefits, often, as with the Talbots plan, no more than a few thousand dollars a year. A Cigna promotional brochure touts the plans as “coverage for everyone” and reassures employers that they don’t have to contribute to the cost of the coverage if they don’t want to.
[…]

I wish I knew how to bold things. But I don't, so go back and read that part about the "annual limit of $1,000 a year for outpatient treatment and $2,000 for hospitalization".
This woman is paying nearly 800$ per year and the most she can get back is 3000$ in any year. That is junk insurance. Just about every insurer offers a few junk plans because they know there are consumers who want to buy junk. It gives them peace of mind. Then when they need it they are left to die or go bankrupt.
One of the huge advantages of Obamacare that I have talked about before is the requirement that all policies have a standard 4 page summary that explains in PLAIN ENGLISH what the benefits/caps/limits are. Even though some of these policies could have been grandfathered in, once consumers realize how junky the policy was they will never want to do business with that insurer again. And they will be able to use this standardized summary to do this. Many of those high deductible junk policies paid back only 60-70 cents on the dollar. They now must reach the threshold of 80% payback. SO even though these might be grandfathered in, once you can do an "apples to apples" comparison you would no longer want that policy.

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__________________
the oldest ride in the park, but still the longest line.

http://finance.yahoo.com/news/obama...-124019309.html

Ian and Sara Hodge of Lancaster, Pa., in their early 60s and paying $1,041 a month for a policy.

After insurer Highmark Inc., sent the Hodges a cancellation notice, the cheapest rate they say they've been able to find is $1,400 for a comparable plan. Ian is worried they may not qualify for tax credits and doesn't trust that the federal website is secure enough to enter personal financial information in order to find out.

"We feel like we're being punished for doing the right thing," he said.

Their policy may not have met the government's standards, "but it certainly met our minimum standards," Hodge added.

"The main thing that upsets us is the president ... said over and over and over again: If you like your health plan, you will be able to keep your health plan, guaranteed."

__________________
the oldest ride in the park, but still the longest line.

Got this email today

Friends,

If you weren't sure why I've been fighting so hard to stop Obamacare, now you know. My goal has been to protect Georgians and families all across America from the harmful effects of the law and the heartache that would follow.

"I just want to know why I can’t keep what I have." (Daily Caller)

"I'm infuriated because I was lied to." (LA Times)

"It's unaffordable." (NBC)

Those are quotes from people who are being dropped from their health care plans and face higher costs due to Obamacare.

I've been hearing personal stories from Georgians who are feeling betrayed and suffering the same health care sticker shock.

For years, the president repeated his famous promise that if you like your plan and doctor, you could keep them. He said, "No one will take it away, no matter what." The Washington Post says his promise is actually a whopper, giving it a rating of four Pinocchios.

Last week, NBC News reported that the Obama Administration has known for years that millions of Americans would lose their current coverage - even if they liked it - because of Obamacare.

Compounding the disaster is the total failure of Obamacare's website, HealthCare.gov. It's so bad that, as Health and Human Services Secretary Kathleen Sebelius spoke to Congress about efforts to fix the website, it actually went down.

Over the next several months, you will undoubtedly see more hearings, investigations, finger-pointing and blame shifting over Obamacare's failures and broken promises.

I certainly want to get to the bottom of why the government failed you, and why you weren't told the truth.

But know this: More than anything, I want to protect you from the harmful effects of Obamacare. I want to protect your health insurance, your job, and your ability to provide for your family without so much intrusion from Washington.

I don't want you to experience the heartache of sitting down at the kitchen table one night with a letter in your hand that says you've lost your health plan, and that your family budget is in jeopardy due to Obamacare.

It's clear that stopping all or parts of the law will be tough. I believe the president preferred a government shutdown instead of negotiating a simple delay of Obamacare. But, if we stay the course, expose the truth and keep the pressure on, the president might just show up at the table to talk.

The fight is not over. Not by a long shot.


Freedom First,

Congressman Tom Graves

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