As someone who actually signed up for Obama care Boiler's numbers are right. Your Estimated premium ends up being a few dollars off from your actual premium at the end of the application process. I know mine was off by a few dollars, but that is the whole point those estimators are meant to put you in the ballpark not give you the exact numbers.
I take it I am the only one that finds paying an extra $12,750 in out of pocket costs after you have already paid 10k in premiums ridiculous?
Truthfully Forkie and Chilly Boiler is taking it easy on you so I'll point out to you again that Obama uncapped the stop loss on prescription drugs so a person could find themselves paying more than $12,750 if they take expensive prescription drugs.
I'll tell you another little thing you're not aware of because your not on it yourself. In the past health insurance polices traditionally paid for out of network charges. Yes you would get a higher deductible, stop loss and coinsurance on those charges, but you typically got 60% or more of your charges covered. On my ACA policy if it is out of network it isn't covered at all. If the ambulance takes you to the wrong hospital your screwed and even if your taken to the right hospital a lot of times the specialists that see you in that hospital aren't in Network so your eating 100% of those charges which makes you actual stop loss much higher than $12,750.
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Originally posted by: BoilermanHe sent me a PDF copy of his plan, which unfortunately isn't legible once I've converted it to Word. Here's exactly what it shows.
1/1/2014
ACA
HSA Compliant
Blue PPO
Bronze 06
Monthly Premium: $842.44
Yearly Premium: $10,109.28
Max Family Deductible: $12,750
Co-Insurance Amount: 100.00%
Max Family Co-Insurance: $0.00
Insurance Stop Loss: $12,750
Stop Loss Premium and Insurance Stop Loss: $22,859.28
Nick has two kids, but one is on his own and self sufficient. This plan is for one child and two adults. Below was the plan he had before Obamacare.
Before ACA
Insurance at United Security PPO
Family of 3
100% co pay after deductible
$7500 deductible per family
$570 premium per month
So…premium increased 50% per month ($283)
Deductible increased 58% ($5,250)
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Originally posted by: jatki99
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Originally posted by: forkushV
Boilerman, if you have even trace amounts of integrity, you'll apologize for spreading lies like the one below.
I think he's ignoring you forky, can't say I blame 'em either. You've pretty much denigrated from being able to talk about things to being incapable of any civil discourse. Your taunting is pretty teenagerish and your screensaves and whatnot are downright childish.
