Applying For Health Insurance: Then And Now

Submitted by: SweepOfDeath 3 years ago in

John attempts to apply for insurance coverage using the Affordable Care Act"s exchanges & then through a private insurer
There are 29 comments:
Male 15,832
BTW, if you`re stupid enough just to create an account on this system, you`re totally f***ed for life even if you don`t sign up.
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Male 37,697
He needs a big clock on that bare wall behind him... :-)

"No Whammies!" = Press Your Luck gameshow :-)

I`m pretty sure you STILL have to sign up to an Insurance Company even AFTER you sign up on ObamaCare...

Since it cost $500 Million bucks to MAKE the ACA Website? I think it still counts as "epic fail", eh?
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Female 1,803
When I bought my own insurance after I went freelance about 12 years ago, I went on esurance.com and compared plans for my state. Then I had to fill out a long questionnaire about my health history before I got accepted. I changed plans at least once since then to lower my rate as I could afford a higher deductible. Blue Cross sent me a letter the other day telling me what my 2014 monthly payments were changing to, since it goes up every year and especially on milestone birthdays like the one I have coming next year. I compared my plan to the ones MN is offering on exchanges and I`ll probably stay with what I have. There is a cheaper one ($154 vs $190) in the exchanges but I`ve never heard of Preferred One and know most places accept Blue Cross. A HealthPartners plan was pretty comparable as well. I was able to compare plans just using my zip code and birthdate. NOT THAT HARD.
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Male 10,339
I never have HolyGod.
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Male 8,124
OldOllie

"The last time I bought private health insurance, I called up three insurance agents, told them what I wanted, they called me back the next day with quotes, and I bought the cheapest one."

What? You didn`t have to answer any questions about medical history or pre-existing conditions? I call bulls.hit on that.
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Male 15,832
Before what? The last time I bought private health insurance, I called up three insurance agents, told them what I wanted, they called me back the next day with quotes, and I bought the cheapest one.
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Male 8,124
skypirate

"i dont think companies taking care of you or the gov taking care of you is the right answer."

Companies don`t take care of you. Companies figured out a while ago that offering benefits was cheaper than paying employees more. If a company buys 200 insurance policies for 200 employees at a bulk rate of $20,000 / month that is $100 / month / employee. If the employee bought a similar plan themselves at an individual rate it might cost $300 / month. So the employee values the benefit as $300 / month while it only costs the employer $100 / month. The employer saves $480,000 a year by offering $300 / month in benefits instead of $300 / month in payment.

It isn`t altruism, it is business.
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Male 8,124
skypirate

"but operating expenses should be as low as possible."

Except when "operating expenses" are procedures for peopel that their doctor recommends when you try to keep them "as low as possible" that means denying people care.

THAT is the reason I maintain that health insurance should NOT be a for profit business. JUST like I don`t think police, fireman, or elementary education should be for profit. The moment that the biggest profit is the goal instead of the best service the service will suffer.

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Male 2,598
but operating expenses should be as low as possible. thats money the company spends to stay in business, like paying rent or buying paper for printers.

ya, true i can shop around for health care. but, if the company pays for some cost when going through aetna the company still must be creating wealth to let me do so. its an incentive to work. is that better then forcing the health nut to pay for the diabetic 400 pound smokers health subsisty? maybe, maybe not. but i dont think companies taking care of you or the gov taking care of you is the right answer.
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Male 8,124
skypirate

"they cant keep more than 20% of what for operating expenses?"

Part of the ACA states that insurance companies cannot keep more than 20% of gross for overhead. That means if a company takes in $100 Million in premiums only $20 Million can go to the company. the other $80 Million goes to paying for healthcare. That means a company can`t jack up their rates over and above a certain level that is necessary to take care of customers. It means they lose motivation to deny claims as they have to pay a certain amount anyways. It removes an insurance companies ability / reason to bleed their customers as much as possible.

"why does health care have to be either (for the most part) through work or the gov? i pick my own auto and home owners insurance with out help from them..."

IT DOESN`T. You are more than welcome to go to blue cross blue shield or anywhere else and buy your own health insurance.
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Male 2,598
@HolyGod they cant keep more than 20% of what for operating expenses? that doesnt make sense. also, no one forces you to own a car and health care doesnt cover the damage i do to someone elses body. but the auto coverage is a good point. why does health care have to be either (for the most part) through work or the gov? i pick my own auto and home owners insurance with out help from them...
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Male 10,855
[quote]It is f.ucking SHOCKING to me that you guys blame this on ACA and not on the greedy corporations that treat their workers like s.hit. If you turned the outrage where it belongs maybe the companies wouldn`t do it.[/quote]

Maybe it`s because they`re collections of everyday people responding to mangled incentives from the govt. Granted some of them bear the blame for influencing policy, but ultimately it is politicians who write, pass, and enforce the laws.
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Male 10,855
[quote]All companies` prices being upfront, clear, and easily comparable. Ever priced out health insurance before? I have. Similar plans with similar deductibles can vary by hundreds of dollars between companies. With all company prices lined up that won`t be the case.[/quote]

Sounds nice, except that clients should be able to tailor a package that best fits them, and not some pre-determined package outlined by the govt. You couldn`t do this before Obamacare, you still won`t.
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Male 1,093
I applied for health insurance about 5 years ago. It took me 30 minutes. He went to one of the most complicated insurance applications possible.
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Male 10,855
[quote] I would have saved a lot of money by not having car insurance as well since I have never been in an accident. However I have it because legally I have to and the REASON people have to is so that we don`t gamble and lose and end up costing everyone else. SAME THING.[/quote]

The free-rider problem is a legitimate issue, on the other there are very practical against the mandate. They are VERY difficult to enforce. To your auto example uninsured rates in states that do enforce a mandate vs those that don`t are NOT significantly lower. We`re seeing a similar problem with the current mandates. Contrary to popular liberal belief so far it`s actually cheaper to pay the mandate/fine/tax and this is AFTER the subsidies are accounted for.
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Male 8,124
Xprez

"how does ACA help someone that had a 40 hour a week job, gets cut down to 29 hours"

It is f.ucking SHOCKING to me that you guys blame this on ACA and not on the greedy corporations that treat their workers like s.hit. If you turned the outrage where it belongs maybe the companies wouldn`t do it.

"if you couldn`t tell this guy is a liberal with an already bias, skewed view."

Does that mean what he is saying is not accurate or valid? If someone doesn`t agree with your viewpoint that means they are biased? Do you know how crazy that sounds?
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Male 676
But Obama is the coolest thing since sliced bread.
To all of you Obama supporters out there, how does ACA help someone that had a 40 hour a week job, gets cut down to 29 hours, and then is told you now have to pick up insurance on your own? So that person is now making less money, and has to pay for insurance out of their own pocket (which is much more expensive from what I understand) Corporations shouldn`t do this, but they do.
By the way, as if you couldn`t tell this guy is a liberal with an already bias, skewed view.
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Male 8,124
skypirate

"i would have saved more money the last few years buy not having health coverage. but thats not an option any more as ill be taxed"

Me too. I haven`t been to a doctor in 5 years. I would have saved a lot of money by not having car insurance as well since I have never been in an accident. However I have it because legally I have to and the REASON people have to is so that we don`t gamble and lose and end up costing everyone else. SAME THING.

You don`t have health insurance now. You fall off a roof and get rushed to the ER. You have emergency surgeries and an extended stay till you are stable. It costs $55,000. You don`t pay because you can`t. You think the hospital takes the hit? NO. They raise prices to cover people who don`t pay which causes the rest of us more.

The mandate is a republican idea by the way. Comes from a bill in 1993 that had Bob Dole`s support.
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Male 8,124
skypirate

"wheres the money for this `deal` coming from?"

1. All companies` prices being upfront, clear, and easily comparable. Ever priced out health insurance before? I have. Similar plans with similar deductibles can vary by hundreds of dollars between companies. With all company prices lined up that won`t be the case.

2. Insurance companies cannot keep more than 20% for overhead, bonuses, etc. So now a company can`t keep jacking up premiums so they can make more profit.

3. A lot of people will qualify for subsidies from the government so they can afford it. It will be paid with taxes. Rich people will contribute a little bit so that poor people can afford insurance in this country.

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Male 2,598
[quote]How can you guys have SUCH an issue with an additional set of options? If you get a better deal sign up there, if you don`t sign up elsewhere. [/quote]


wheres the money for this `deal` coming from? in all honesty i would have saved more money the last few years buy not having health coverage. but thats not an option any more as ill be taxed. i dont see it as an option. its a penalty if i use other health care and an impossible solution if everyone uses it. by all means enlighten me if this some how makes money.
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Male 701
Obama Rocks!!
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Male 312
@auburnjunky: Not for me, it will provide much more support then my current health at a much cheaper price.
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Male 2,592
He JUST said the exchanges were surprisingly affordable..
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Male 8,124
auburnjunky

"...and the Obamacare insurance will be more expensive, and not as thorough."

You know that obamacare doesn`t REPLACE other insurance right? It is just an alternative place to look for it?

How can you guys have SUCH an issue with an additional set of options? If you get a better deal sign up there, if you don`t sign up elsewhere.

You guys argue against this like it is single payer insurance. It doesn`t change much of anything for most people.
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Male 10,339
...and the Obamacare insurance will be more expensive, and not as thorough.

Congrats.
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Male 2,357
Ugh, his voice. I don`t know what it is but something about his voice irritates me.
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Male 180
Tells me nothing other than he spent two hours doing it the "old" way. Seems like an Obamacare shill to me.
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Male 4,746
Man...I`m glad I live in Canada!
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Male 938
Link: Applying For Health Insurance: Then And Now [Rate Link] - John attempts to apply for insurance coverage using the Affordable Care Act`s exchanges & then through a private insurer
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