Author Topic: Can't keep my old insurance?  (Read 1640 times)

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Offline Freeper

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Can't keep my old insurance?
« on: September 30, 2010, 11:31:54 AM »
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thesquanderer  (508 posts)  Journal  Click to send private message to this author  Click to view this author's profile  Click to add this author to your buddy list  Click to add this author to your Ignore list       Thu Sep-30-10 07:49 AM
Original message
Can't keep my old insurance?    Updated at 7:49 AM
   
I just got an email from my employer, saying "With the beginning of the new insurance laws, Aetna is dropping small businesses in New York as of this Friday, Oct 1." So I am being moved to an Oxford/Liberty/United Healthcare HMO, and don't know yet if I'll be able to continue seeing my current doctor. (Though the plan is $100/month cheaper than what I had.)

Has anyone else here run into something like this?

What happened to "if you like the plan you have now, you can keep it?" I realize that was Obama's way of saying that the government isn't going to force you to change, but the end result of enacting policies that may prompt carriers to change what they offer is that, in effect, they are indeed forcing me to change. The law of unintended consequences strikes again.

I know the party line is that what we got, while not not as good as single-payer, is still better than what we had, and I'm sure in many cases it is, but at the moment, it doesn't look that way for me.

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x9227722

Obama also said premiums were going to come down and we all would get a raise.

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baldguy  Donating Member  (1000+ posts) Click to send private message to this author  Click to view this author's profile  Click to add this author to your buddy list  Click to add this author to your Ignore list       Thu Sep-30-10 07:57 AM
Response to Original message
1. That's Aetna's decision. It has nothing to do with the new insurance laws.
   
Your employer shouldn't have simply repeated Aetna's party line.
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thesquanderer (508 posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list     Thu Sep-30-10 08:19 AM
Response to Reply #1
6. Nothing to do with it?    Updated at 7:49 AM
   
Edited on Thu Sep-30-10 08:46 AM by thesquanderer
So you're saying that Aetna's decision was not influenced by the new laws? Odd timing if that's the case...

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sinkingfeeling Donating Member (1000+ posts)  Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list     Thu Sep-30-10 09:48 AM
Response to Reply #6
13. Most employer-based insurance is renewed for the following year in either October or November. That
   
explains the timing of this announcement.
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See it isn't Obama's fault after all.  :-)

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crim son  Donating Member  (1000+ posts)  Journal  Click to send private message to this author  Click to view this author's profile  Click to add this author to your buddy list  Click to add this author to your Ignore list       Thu Sep-30-10 07:59 AM
Response to Original message
2. Conspicuously absent from this huge reform was an acknowledgement
   
that the insurance companies are going to strike back and make up for what they've lost, consumer be damned. When I consider this, and, say, Obama's reponse to the oil spill, it's hard not to believe that our president is either laughably naive about big business, or he isn't truly interested in the general welfare of american citizens. And how could somebody not foresee these "unintended" consequences? DUers surely did.

So you admit that Obama will be making them lose money and pass that on to us.

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Warren Stupidity  Donating Member  (1000+ posts)  Journal  Click to send private message to this author  Click to view this author's profile  Click to add this author to your buddy list  Click to add this author to your Ignore list       Thu Sep-30-10 10:30 AM
Response to Reply #7
15. No they are just using the reform law to justify their crap.
   
Dropping plans, raising rates, etc. are all standard practices. Now they just say "Obama made me do it".

And that will be accurate.
I may not lock my doors while sitting at a red light and a black man is near, but I sure as hell grab on tight to my wallet when any democrats are close by.

Offline Wretched Excess

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Re: Can't keep my old insurance?
« Reply #1 on: September 30, 2010, 11:40:12 AM »
some of the hidden effects, secret provisions, and unintended consequences of obamacare are coming to light just in time for the midterms.

not only was it sold as a huge lie, but it was crammed through congress by brute force using every underhanded gimmick imaginable.


Online SSG Snuggle Bunny

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Re: Can't keep my old insurance?
« Reply #2 on: September 30, 2010, 11:51:50 AM »
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Warren Stupidity  Donating Member  (1000+ posts)  Journal  Click to send private message to this author  Click to view this author's profile  Click to add this author to your buddy list  Click to add this author to your Ignore list       Thu Sep-30-10 10:30 AM
Response to Reply #7
15. No they are just using the reform law to justify their crap.
   
Dropping plans, raising rates, etc. are all standard practices. Now they just say "Obama made me do it".

War on Stupidity lost his fight.

Hey shitbag, the insurance companies have to go to state regulatory boards and justify rate hikes with hard data.
According to the Bible, "know" means "yes."

Offline Ballygrl

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Re: Can't keep my old insurance?
« Reply #3 on: September 30, 2010, 11:55:22 AM »
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baldguy  Donating Member  (1000+ posts) 
Thu Sep-30-10 07:57 AM
Response to Original message
1. That's Aetna's decision. It has nothing to do with the new insurance lawsAnd Aetna did that because they're being forced to insure those with pre-exisiting conditions, and forced to cover adults up to 26 who should be on their own and paying for their own insurance yet they're not.
   
Your employer shouldn't have simply repeated Aetna's party line.Your employer shouldn't of told you the truth and let you live in lalala everything is fine land.

Fixed!
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Offline DumbAss Tanker

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Re: Can't keep my old insurance?
« Reply #4 on: September 30, 2010, 12:07:34 PM »
Squanderer...what an appropriate handle for a DUer.  And yes, my little DUmmie, if it's $100 less, you can be assured there is a reason it's $100 less, especially in the current medical expense environment.
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Offline IassaFTots

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Re: Can't keep my old insurance?
« Reply #5 on: September 30, 2010, 12:17:30 PM »
Truth be told, this year, the only changes that have to be made is waiving preexisting for kids under 19, and increasing the covered age of a dependant to 26.  In Texas, that means one year of extra coverage, as our current coverage level is to 25.  Insurance Companies and Employers, are using the fear of Obamacare because it is SO easy, to start padding things for 2012-14 when the SHTF.  Can't say as I blame em.   
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Offline Splashdown

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Re: Can't keep my old insurance?
« Reply #6 on: September 30, 2010, 12:21:44 PM »
Truth be told, this year, the only changes that have to be made is waiving preexisting for kids under 19, and increasing the covered age of a dependant to 26.  In Texas, that means one year of extra coverage, as our current coverage level is to 25.  Insurance Companies and Employers, are using the fear of Obamacare because it is SO easy, to start padding things for 2012-14 when the SHTF.  Can't say as I blame em.   

Private insurers will be out of business in 6-7 years if Obamacare remains, so they're getting their money while the gettin's good.
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Offline IassaFTots

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Re: Can't keep my old insurance?
« Reply #7 on: September 30, 2010, 12:27:35 PM »
Private insurers will be out of business in 6-7 years if Obamacare remains, so they're getting their money while the gettin's good.

Exactly.  Can't say I blame em.  Smart business decision that is. 
R.I.P. LC and Crockspot.  Miss you guys.

The infinite is possible at zombocom.  www.zombo.com

"The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy." ~ Martin Luther King
 
“Political Correctness is about turning a blind eye to painful reality because your comfortable feelings are more important to you than saving lives and providing quality of life to people who work their ass off to be productive and are a benefit to this great American Dream"  ~Ted Nugent

Offline AllosaursRus

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Re: Can't keep my old insurance?
« Reply #8 on: September 30, 2010, 12:47:27 PM »
Squanderer...what an appropriate handle for a DUer.  And yes, my little DUmmie, if it's $100 less, you can be assured there is a reason it's $100 less, especially in the current medical expense environment.

This is all BS! Home Depot puts out their insurance for bids every year! Hell mine changed twice in 3 years! It goes to the lowest bidder offering basically the same shit!

This guy is an idiot or he hasn't paid attention to his Company Handbook. It states that they try to get the best deal from insurance companies every year in order to help their employees get the biggest bang for their buck!
I'm the guy your mother warned you about!
 

Offline true_blood

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Re: Can't keep my old insurance?
« Reply #9 on: September 30, 2010, 12:57:18 PM »
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thesquanderer  (508 posts)  Journal  Click to send private message to this author  Click to view this author's profile  Click to add this author to your buddy list  Click to add this author to your Ignore list       Thu Sep-30-10 07:49 AM
Original message
Can't keep my old insurance?    Updated at 7:49 AM
   
I just got an email from my employer, saying "With the beginning of the new insurance laws, Aetna is dropping small businesses in New York as of this Friday, Oct 1." So I am being moved to an Oxford/Liberty/United Healthcare HMO, and don't know yet if I'll be able to continue seeing my current doctor. (Though the plan is $100/month cheaper than what I had.)

Has anyone else here run into something like this?

What happened to "if you like the plan you have now, you can keep it?" I realize that was Obama's way of saying that the government isn't going to force you to change, but the end result of enacting policies that may prompt carriers to change what they offer is that, in effect, they are indeed forcing me to change. The law of unintended consequences strikes again.

I know the party line is that what we got, while not not as good as single-payer, is still better than what we had, and I'm sure in many cases it is, but at the moment, it doesn't look that way for me.

Guess what DUmmies?!?! You guys/gals are the minions that dumbo wanted to pander to. If you think it's the insurance's fault, you're wrong. Soon we will all pay more because that dumbo added more to the pool, how does costs go down? I'm still scratching my head on that one. AND,...you will not be able to keep your doctor like the imposter occupying the White House said. How's that "hope and change" crap working out for ya DUmmies?! :censored: