GlockTalk.com
Home Forums Classifieds Blogs Today's Posts Search Social Groups



  
SIGN-UP
Notices

Glock Talk
Welcome To The Glock Talk Forums.
Reply
 
Thread Tools Display Modes
Old 10-05-2013, 10:53   #1
jpa
CLM Number 268
Charter Lifetime Member
 
Join Date: May 2001
Location: Las Vegas NV
Posts: 10,117
Send a message via AIM to jpa Send a message via Yahoo to jpa
How much would your health plan be on the exchange?

Just for curiosity's sake, I decided to plug in my info on the Nevada state exchange for health insurance. I can't say I was surprised at the monthly cost since it falls in line with what my unsubsidized COBRA premium would be if I were unemployed.

I'm 33, male, single, non-smoker.

On the low end, my cheapest premium would be:

$171/mo
$6250 deductible, no prescription coverage, no office visit or specialist coverage, no dental or vision.

On the high end, my "Gold" plan is:
$355/mo
$750 deductible
$15/prescriptions w/ 0% coinsurance after deductible is met
$30 office visit
no specialist coverage
Dental and Vision not included.

I can't say that premium was as horrible as I thought they would be. I'm sure if I had dependents or was older the premiums would be considerably more expensive.

So what would your premiums be?
__________________
Big Dawg #1408, TT #1408
Moto Club #1408, GSSF Member, NRA RSO
NRA Benefactor Member
jpa is offline   Reply With Quote
Old 10-05-2013, 10:57   #2
RenoF250
Senior Member
 
Join Date: Feb 2008
Posts: 5,330
So what if you need a specialist? OB/GYNs are specialists right? Women need them at least once a year. Most people with pre-existing conditions needs specialists. I thought this was supposed to take care of them??
RenoF250 is offline   Reply With Quote
Old 10-05-2013, 11:21   #3
knightkrawler00
Senior Member
 
Join Date: Feb 2005
Location: Prosser, WA
Posts: 736
Almost $600 per month for me and my wife. Which means we aren't going to be getting it anytime soon. All of our extra income has been going towards fertility treatments. With no success so far, it's looking like In Vitro fertilization is our only option. We would never be able to save the approximately $17,000 needed for this procedure if we were buying insurance every month. Insurance that will pay for an abortion, but won't throw one single cent at fertility treatments. Yes, I understand why insurance companies operate that way, but I don't have to like it.
knightkrawler00 is offline   Reply With Quote
Old 10-05-2013, 11:40   #4
RenoF250
Senior Member
 
Join Date: Feb 2008
Posts: 5,330
Quote:
Originally Posted by knightkrawler00 View Post
Almost $600 per month for me and my wife. Which means we aren't going to be getting it anytime soon. All of our extra income has been going towards fertility treatments. With no success so far, it's looking like In Vitro fertilization is our only option. We would never be able to save the approximately $17,000 needed for this procedure if we were buying insurance every month. Insurance that will pay for an abortion, but won't throw one single cent at fertility treatments. Yes, I understand why insurance companies operate that way, but I don't have to like it.
Much cheaper in Mexico. I have a friend that did that said they were very good. No issues at all.
RenoF250 is offline   Reply With Quote
Old 10-05-2013, 11:55   #5
knightkrawler00
Senior Member
 
Join Date: Feb 2005
Location: Prosser, WA
Posts: 736
Quote:
Originally Posted by RenoF250 View Post
Much cheaper in Mexico. I have a friend that did that said they were very good. No issues at all.
We haven't explored that route yet. Just recently started trying again after all other options had failed and we took a break. But, we will look into it. Thanks, Reno.
knightkrawler00 is offline   Reply With Quote
Old 10-05-2013, 12:34   #6
harlenm
Senior Member
 
harlenm's Avatar
 
Join Date: Jul 1999
Location: CT
Posts: 12,900
My gold plan was $1500 a month for a family of 4, with a $2,000 deductible. Cheapest plan was $850 per month with a $10,000 deductible.

Sent from my HTC One using Ohub Campfire mobile app
harlenm is offline   Reply With Quote
Old 10-05-2013, 13:23   #7
fastbolt
Senior Member
 
fastbolt's Avatar
 
Join Date: Jun 2002
Location: Within the lightning (Northern CA)
Posts: 9,382
Haven't bothered to look. No plans to do so.

I plan to keep my existing plan for as long as I can continue to afford it. (Approx $1300/mo, but with outstanding coverage, choice of any doctors & specialists, no waiting, very reasonable co-pays, etc)

Will having an affordable monthly premium, but huge deductibles, still get some folks heavily into debt in some circumstances? Who's going to absorb those costs? Time will tell, I suppose.
__________________
Sub Club #9; .40 S&W Club #1953; S&W Club #3913
Retired LE - firearms instructor/armorer
fastbolt is offline   Reply With Quote
Old 10-05-2013, 14:00   #8
jpa
CLM Number 268
Charter Lifetime Member
 
Join Date: May 2001
Location: Las Vegas NV
Posts: 10,117
Send a message via AIM to jpa Send a message via Yahoo to jpa
Quote:
Originally Posted by fastbolt View Post
Haven't bothered to look. No plans to do so.

I plan to keep my existing plan for as long as I can continue to afford it. (Approx $1300/mo, but with outstanding coverage, choice of any doctors & specialists, no waiting, very reasonable co-pays, etc)

Will having an affordable monthly premium, but huge deductibles, still get some folks heavily into debt in some circumstances? Who's going to absorb those costs? Time will tell, I suppose.
That's exactly my point. My employer's plan went from a regular PPO to a high-deductible plan and they created a HSA account for us, which the employer contributes to and I also make a monthly contribution from my salary. I thought it was bad when my deductible became $1900, but when my employer deposited $1100 and has added another $700 each year since, I'm ok with it. I also save another $600/year myself.

The cheapest plan I qualified for was still 4 times my current premium and the deductible was almost 3.5x my current deductible.

How is that "affordable"?
__________________
Big Dawg #1408, TT #1408
Moto Club #1408, GSSF Member, NRA RSO
NRA Benefactor Member
jpa is offline   Reply With Quote
Old 10-05-2013, 14:35   #9
fastbolt
Senior Member
 
fastbolt's Avatar
 
Join Date: Jun 2002
Location: Within the lightning (Northern CA)
Posts: 9,382
Quote:
Originally Posted by jpa View Post
...
The cheapest plan I qualified for was still 4 times my current premium and the deductible was almost 3.5x my current deductible.

How is that "affordable"?
I suspect "affordable" is going to be within the eye ... and wallet ... of the beholder. I won't be at all surprised if the "projections" of tax impacts on taxpayers doesn't exactly unfold according to the the brochure.

I suspect we'll see the true eventual "cost" - and effectiveness - of this new healthcare reform revealed as people actually need it for more than routine checkups, wellness visits and everyday lumps, bumps, bruises, sprains, broken bones & cold/flu complaints.

It will also remain to be seen how the costs will be supported if a significant number of younger voters aren't inclined to participate.
__________________
Sub Club #9; .40 S&W Club #1953; S&W Club #3913
Retired LE - firearms instructor/armorer
fastbolt is offline   Reply With Quote
Old 10-05-2013, 14:40   #10
Naelbis
Senior Member
 
Naelbis's Avatar
 
Join Date: Oct 2009
Location: ND
Posts: 2,787
I'm still trying to get a login so I can price it all out. They obviously didn't hire any top shelf talent to put their website and servers together....
__________________
"Never underestimate the Human capacity for stupidity".
Naelbis is offline   Reply With Quote
Old 10-05-2013, 15:34   #11
Buki192327
Senior Member
 
Buki192327's Avatar
 
Join Date: Apr 2008
Location: S W Ohio, blowin in the wind
Posts: 5,490
They won't give me a price because of my age!!

I do know that with what the government takes for medicare and my medicare supplement will take over 40% of my social security. Since what I had set aside for retirement was wiped out by unccovered medical bills when my wife passed, I will keep on working.

Retirement is great. I am not feeling sorry for myself. That is just the way things work out sometimes. I owe, I owe, so off to work I go.
__________________
:crying:Too soon Old, Too late smart:wow:

www.BuckeyeFirearms.org

Sub Club #46
Buki192327 is offline   Reply With Quote
Old 10-05-2013, 16:34   #12
shadow_dog
Hilljack
 
shadow_dog's Avatar
 
Join Date: Mar 2004
Location: SW Ohio
Posts: 2,513
Blog Entries: 4


No specialists? Sounds like you need a good Proctologist for sure using Obummer Care.
__________________
NRA lifer
shadow_dog is offline   Reply With Quote
Old 10-06-2013, 14:43   #13
jpa
CLM Number 268
Charter Lifetime Member
 
Join Date: May 2001
Location: Las Vegas NV
Posts: 10,117
Send a message via AIM to jpa Send a message via Yahoo to jpa
Quote:
Originally Posted by shadow_dog View Post
No specialists? Sounds like you need a good Proctologist for sure using Obummer Care.
No s-...crap. Wait, did I make a funny? LOL

That's going to be one of the big problems is that nobody is going to get to see a specialist on these plans. The top tier specialists in their field are going to want to be paid more than these plans are going to want to pay, so the patients will have to be either cash pay or go without. So where is the savings?
__________________
Big Dawg #1408, TT #1408
Moto Club #1408, GSSF Member, NRA RSO
NRA Benefactor Member
jpa is offline   Reply With Quote
Reply


Tags
insurance, obamacare, socialized medicine
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump




All times are GMT -6. The time now is 03:50.



Homepage
FAQ
Forums
Calendar
Advertise
Gallery
GT Wiki
GT Blogs
Social Groups
Classifieds


Users Currently Online: 675
206 Members
469 Guests

Most users ever online: 2,244
Nov 11, 2013 at 11:42