I had a delightful conversation with a health Insurance company rep this morning

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Originally posted by: alanleroyII
No one prevented couples from starting a small business (S, INC, LLC or Proprietorship) and securing group heath insurance in the past.

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Originally posted by: Chilcoot

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Originally posted by: alanleroyII
Well I believe I have finally solved this little mystery of why Nick's PPO Bronze 006 Plan from Blue Cross/Blue Shield of Illinois, for zip code 60103 for ages 54, 53 and 19 cost almost $850....and we don't even have to assume the Nick family are smokers who actually live in Chicago.

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That definitely could explain a lot of the difference, if that's what's going on here.

However, it remains true that the Obamacare BCBS Bronze plan that we've posted here several times and that includes coverage for children up to age 26 is less expensive than what boilerman concedes is "comparable" coverage to Nick's old plan (in reality, likely far better coverage, but whatever) AND includes coverage for Nick's son, who now is no longer a minor.

Nick's old plan was a short-term major medical one. Among the things plans like these do to keep premiums low is:
* deny coverage to people with pre-existing conditions;
* not pay for preventative care;
* impose a lifetime cap on benefits;
* is not renewable; and
* allow the insurer to cancel at any time.

That last one was a real nightmare, because many of them were month-to-month policies w/ 30 day cancellation clauses. Get a cancer diagnosis on March 25, and if United Heath starts seeing oncologist bills before April 1, come May 1 you could be uninsured.

Obamacare policies like the BCBS Bronze ones do away with each of those limitations.

That's the larger point, that Nick can get better coverage for less money under Obamacare than he got last year from United Health.

And that the way boilerman presented Nick's situation here was fundamentally dishonest.

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Originally posted by: forkushV

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Originally posted by: Boilerman
Wow. What an interesting twist.

Since I've known Nick to be a "stand up guy" during the 51 years that we've been friends, I knew that he was not lying nor a "bag of shit". I couldn't prove it his numbers, but I was certain all along that Nick's numbers where accurate...

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Wait, you're saying the guy complaining about the high cost of health insurance actually heads a family of THREE SMOKERS? You're kidding, right? That kind of gall is just hard to imagine.

And now he's with Blue Cross instead of a company that breathlessly advertises, "Monies are paid upon first diagnosis...medical treatment is not required! Benefits are yours to use on anything of your choice!" As in, "Honey, let's skip the chemo - we're going to Vegas!"

And since in a family of three smokers there's a decent chance of one of them will be puking up blood one of these days, Obamacare's no lifetime limit, no cancellation, and yearly open enrollment upgrade option will probably save him thousands - and maybe his life.

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Originally posted by: Chilcoot

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Originally posted by: alanleroyII
No one prevented couples from starting a small business (S, INC, LLC or Proprietorship) and securing group heath insurance in the past.

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Imagine a law that gives a health insurance tax break to couples who buy and sell nuclear power plants for a living. Just the everyday, mom and pop operation that buys and and sells nuclear power plants.

After a while, the government says, you know, there's really no reason for couples who buy and sell nuclear power plants for a living to get a special health insurance tax break. We'll get rid of it and treat all couples the same, without regard to whether they buy and sell nuclear power plants for a living.

If that were to happen, the alanleroys would all be here to decry the unfairness of it all.

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Originally posted by: Boilerman
Forkie, please "cut and past" where I wrote that Nick and his family smoke...

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Originally posted by: forkushV

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Originally posted by: Boilerman
Forkie, please "cut and past" where I wrote that Nick and his family smoke...

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Um because that's looks like the ONLY way Nick's rates could be anywhere near those quoted.

Right, alanleroy?

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Originally posted by: forkushV

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Originally posted by: Boilerman
Forkie, please "cut and past" where I wrote that Nick and his family smoke...

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Um because that's looks like the ONLY way Nick's rates could be anywhere near those quoted.

Right, alanleroy?

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Originally posted by: Chilcoot

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Originally posted by: alanleroyII
No one prevented couples from starting a small business (S, INC, LLC or Proprietorship) and securing group heath insurance in the past.

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Imagine a law that gives a health insurance tax break to couples who buy and sell nuclear power plants for a living. Just the everyday, mom and pop operation that buys and and sells nuclear power plants.

After a while, the government says, you know, there's really no reason for couples who buy and sell nuclear power plants for a living to get a special health insurance tax break. We'll get rid of it and treat all couples the same, without regard to whether they buy and sell nuclear power plants for a living.

If that were to happen, the alanleroys would all be here to decry the unfairness of it all.

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