Libs who support Obamacare - GFY
- Thread starter Blue2010
- Start date
Did you purchase your health insurance via the marketplace or from a broker? If it was from a broker, and it wasn't a Qualified Health Plan, failure to disclose that would be professionally negligent. You might have some recourse. Where's @bleeduncblue ... he knows more about this stuff than me.
I switched jobs in March 2016, and my current employer is being raped by Anthem. Our employees spend over $10,000 in annual premiums...and have a $10,000 deductible on top of that. I shopped around and got my own plan through United Healthcare, and also wound up spending over $10,000 but with a smaller deductible.
I just called them to get a copy of my 1095 and was told my coverage doesn't meet the minimum requirements for Obamacare and I've subject to the penalty.
I'm sorry, but I will fight this tooth and nail. They can take that penalty and swiftly shove it up their ass sideways. I don't GAF. But I'm not paying that crap. It was bad enough coverage to begin with, I'll be damned if I'm going to be penalized on top of it.
I just called them to get a copy of my 1095 and was told my coverage doesn't meet the minimum requirements for Obamacare and I've subject to the penalty.
I'm sorry, but I will fight this tooth and nail. They can take that penalty and swiftly shove it up their ass sideways. I don't GAF. But I'm not paying that crap. It was bad enough coverage to begin with, I'll be damned if I'm going to be penalized on top of it.
Anyone who thinks this program was anything short of a colossal disaster has their head too far up their ass to have any hope left.
Apologies in advance...I'm pretty hot right now over this.
Didn't Trump sign an executive order easing the penalty on the mandate? I'm not positive but I thought he did.
I can't really blame the United Healthcare rep - she was apologizing left and right. She said they have not gotten one single person who spoke positively about the "Affordable" (haha, BS) Care Act.
It amazes me how anyone in their right mind could defend this program.
It amazes me how anyone in their right mind could defend this program.
I'm sure some of the left leaning fine folks on the board will be sending you a check.
I never liked it either and I'm definitely more left than the majority of this board.
I could understand - not agree with, but understand - here if I just chose to blow this law off and go rogue, but $10,000 annually is a lot of money...not to mention having to clear the deductible hurdle on top of that before seeing any real benefit from insurance. But to have made a good faith effort NOT to game the system and then be told you're going to be subjected to the penalty (which for me is about $1700) -- I'm sorry, but it really pisses me off.
I don't mean to air dirty laundry, but as smart as my wife is, this isn't her lane, so I might as well be talking to the wall. I'm going to fight this, and generally when I have a strong beef like this, I end up winning...so my outburst is probably all for nothing. It's just the principle...you now I'm not the only one who's having to deal with this crap.
It would be easier to be a panhandler and run that scam tax-free...sometimes it feels like they get more sympathy from federal, state, and local governments anyway.
I don't mean to air dirty laundry, but as smart as my wife is, this isn't her lane, so I might as well be talking to the wall. I'm going to fight this, and generally when I have a strong beef like this, I end up winning...so my outburst is probably all for nothing. It's just the principle...you now I'm not the only one who's having to deal with this crap.
It would be easier to be a panhandler and run that scam tax-free...sometimes it feels like they get more sympathy from federal, state, and local governments anyway.
Timely topic. A girl I'm closed to cannot get in today for a scheduled appointment (a crucial one because she may have a serious brain condition and needs to see a neurological specialist) because the doctor is all mixed up about if they accept her insurance or not (she has Obamacare) and it's caused her massive issues today.
did you purchase direct from UH or through the Exchange? (aka Marketplace) Also, what state?
And yes, there were dozens of plan options available in NC that did/do not meet the ACA requirement, so this is not unheard of.
And yes, there were dozens of plan options available in NC that did/do not meet the ACA requirement, so this is not unheard of.
In short -- my family has maintained insurance coverage for all 12 months of 2016, but they want to charge me a penalty b/c that coverage does not meet the minimum requirements for Obamacare. When I switched jobs, instead of going with my employer's existing health plan, I found a better option -- which had better coverage that my employer's at a significantly less cost -- I found that to be the better option. But the coverage itself was better than what Anthem had presented to my employer.
I'm going to fight it, and I'm going to win. They just don't know it yet.
If you bought direct from UH, they *should* have told you before you purchased that the plan would not meet the ACA requirmemts.
If you bought online through the Exchange, you definitely were given a "window" that states this fact...I only know that bc I've seen that plenty of times when helping folks make a purchase. If you called the Exchange to purchase, they *should* have told you before purchase. Sucks.
If you bought online through the Exchange, you definitely were given a "window" that states this fact...I only know that bc I've seen that plenty of times when helping folks make a purchase. If you called the Exchange to purchase, they *should* have told you before purchase. Sucks.
I went through one of their brokers. And no, I was never told this, but they will claim "He said / She said" on it. I'm sure they'll direct me to some fine print language buried in the agreement somewhere...it's all going to be moot. I don't care who caves first, I won't be paying a penalty for this.
So it was a "broker" at the Exchange OR a "broker" for United Healthcare? I only ask bc WHO you bought it from matters in your approach.
I called UH directly to discuss a few of the quotes I got from the UH website -- they said a sales agent would contact me within 24 hours, and I was off and running...but the woman who called me is a licensed broker for UH. So, she runs her own company, but sells insurance plans for UH.
She found another one, yeah. But as you can imagine, she's already pretty upset about her health issue to start out with, but she had peace of mind because the specialist she originally had the appointment with is very good and was recommended by a friend. Now, she can't see that one because of insurance.
Okay. You're not going to like the answer but this is akin to buying an auto insurance policy, not completely understanding your coverage, then causing a wreck and finding out that you only have Liability coverage and you're now responsible for replacing or repairing two cars out of pocket.
Ultimately YOU as the customer are responsible for knowing what you're buying. This "does not meet ACA requirements" stipulation was one of the MANY 'gotchas' of the program.
Ultimately YOU as the customer are responsible for knowing what you're buying. This "does not meet ACA requirements" stipulation was one of the MANY 'gotchas' of the program.
I don't understand how they could even sell something that didn't meet the requirements.
I would have trouble making this correlation b/c I did my homework on these plans. The information that gets thrown at you is an endless barrage. So, I am thrilled that I'm sure it's my fault for not seeing a one-sentence paragraph buried in 100 pages of BS terms & conditions.
Insurance is, and always has been, the biggest ponzi scheme in our WORLD'S history. No one will ever convince me otherwise.
I hear you, I really do. Just telling you the truth from the other side of the coin. Obviously you could still fight it, just be prepared for the biggest runaround waste of time and energy ever.
And regarding insurance being a ponzi scheme. Most folks feel that way until they truly need it. Our house burned to the ground when I was in high school, I'll never forget my Dad saying how he USED TO hate homeowners insurance.
My best friend watched his wife die of cancer at a young age - her $750k Term life policy kept he and his two young kids from complete financial devastation and will allow the kids to attend college with no loans.
MOST insurance is worth every penny you pay for it, but hopefully you never use it.
My best friend watched his wife die of cancer at a young age - her $750k Term life policy kept he and his two young kids from complete financial devastation and will allow the kids to attend college with no loans.
MOST insurance is worth every penny you pay for it, but hopefully you never use it.
Mine burned in '98. Thank goodness for homeowners. My biggest issue with insurance now and the mandates are them making you buy things you don't need. I'm 50 years old. Both wife and I have been fixed and she has had a hysterectomy, why do we need birth control?
That's the first thing I would do. Pull the contract and look for language that discusses whether it's a Qualified Health Plan (i.e. meets the minimum ACA requirements). Like you, I fear it's probably buried in the small print, but it's a decent place to start.
Absolutely. Insurance companies are in business to make money - not to help people. The only way they make money is by having the premiums they take in total a greater sum than the amount they distribute in claims.
Every person that signs up for insurance has a negative expected value from said insurance. It's definitely nice to have when you need it (as Bleed alluded to above with the Home and Life insurance policies). But when you don't need it, it's annoying to have to pay for. I'm of the belief that people should be able to decide for themselves if they think they need insurance, and risk not having it if they don't. However if they don't have insurance and end up needing it - too bad, the government isn't going to be there to bail you out.
The government makes gambling illegal (other than their own lottery scams but that's another story) because they are games of chance that have a negative expected value due to the house taking their cut. Which is exactly what insurance is - but they not only make insurance legal, but mandate that you get certain forms of it. Seems like they're talking out of both sides of their mouths on that one.
One of the best quotes I've ever heard:
Insurance companies have two jobs: collect premiums and deny claims.
I am very glad to hear insurance worked out for you.
My issue here is the fact that they actually think I'm going to pay a penalty. I refuse.
I have always been thorough when selecting plans, and I know the risk I am taking each time. There are years when I have elected to go with a high-deductible plan b/c I wanted a lower premium and felt (for the most part) like we didn't have anything major on the horizon. I always add the accident rider on, just in case...if our daughter falls and breaks something, for example. But now, basically all plans are high premium / high deductible. There's no give and take anymore.
And I agree 100% with Hark -- these companies exist for the same reason they all do -- to make money. They don't get rich by curing us of disease. Why do you think prescription meds only band-aid the symptoms long enough for your body to heal itself?
Similar threads
