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Thread: Health Insurance

  1. #721
    Peaceful Oasis TomAz's Avatar
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    Default Re: Health Insurance

    Literacy is not the Tea Party's strong suit.

  2. #722
    Coachella Junkie jackstraw94086's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by heart cooks brain View Post
    Obama calls it Obama-care

    Medicine Team sounds fake.
    Obama's the last person who'd use that term. "obama-care" is just a nickname for the legislation imposed by others. No official documentation or anything else that's meant to be taken seriously uses the term. If it's referenced by anything other than ACA it's extremely likely to be bullshit.

  3. #723
    Coachella Junkie PlayaDelWes's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by TomAz View Post
    That sounds like a hoax. Is that a real thing?
    It's from a doctor down the street who I used once.
    Quote Originally Posted by dj12inches View Post
    What makes me qualified? I've watched EVERY fucking episode of American Idol, and every single episode of The Voice...Forget that I won departmental music awards when I was in the 8th grade choir.

  4. #724
    Coachella Junkie heart cooks brain's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by jackstraw94086 View Post
    Obama's the last person who'd use that term. "obama-care" is just a nickname for the legislation imposed by others. No official documentation or anything else that's meant to be taken seriously uses the term. If it's referenced by anything other than ACA it's extremely likely to be bullshit.
    are you implying obama should still be taken seriously?
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    If moles had subways, molestation wouldn't be one of the creepiest words there is ....
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  5. #725
    Coachella Junkie Drinkey McDrinkerstein's Avatar
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    Default Re: Health Insurance

    "Meant to be" and "should still be" do not mean even close to the same thing.
    last.fm
    11/14/14 - Death From Above 1979 @ Regent // 11/16/14 - Lucero @ Echo

  6. #726
    Coachella Junkie heart cooks brain's Avatar
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    Default Re: Health Insurance

    wow is my face red
    Quote Originally Posted by canexplain View Post
    If moles had subways, molestation wouldn't be one of the creepiest words there is ....
    Quote Originally Posted by canexplain View Post
    Eat don't chat ...When I figure out what windlowless is, I'll respond .
    i hear voices in my head and they keep caaaaallin' me

  7. #727
    Coachella Junkie Drinkey McDrinkerstein's Avatar
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    Default Re: Health Insurance

    Well, it should be since he was talking about the supposed intent of a doctor's office and you turned it into an idiotic "thanks Obama" comment that had nothing to do with the conversation.
    last.fm
    11/14/14 - Death From Above 1979 @ Regent // 11/16/14 - Lucero @ Echo

  8. #728
    Coachella Junkie heart cooks brain's Avatar
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    Default Re: Health Insurance

    yeah i guess when he said ''anything else'' he was explicitly referring to one thing.
    Quote Originally Posted by canexplain View Post
    If moles had subways, molestation wouldn't be one of the creepiest words there is ....
    Quote Originally Posted by canexplain View Post
    Eat don't chat ...When I figure out what windlowless is, I'll respond .
    i hear voices in my head and they keep caaaaallin' me

  9. #729
    Coachella Junkie Drinkey McDrinkerstein's Avatar
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    Default Re: Health Insurance

    So you interpreted "anything else that's meant to be taken seriously" to mean "I think Obama should be taken seriously." You can feel free to actually explain how you drew that conclusion, since I don't see anything in that entire statement that suggests any kind of political preference whatsoever.
    last.fm
    11/14/14 - Death From Above 1979 @ Regent // 11/16/14 - Lucero @ Echo

  10. #730
    Coachella Junkie heart cooks brain's Avatar
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    Default Re: Health Insurance

    is it time to admit i wasn't posting in earnest? i guess so.
    Quote Originally Posted by canexplain View Post
    If moles had subways, molestation wouldn't be one of the creepiest words there is ....
    Quote Originally Posted by canexplain View Post
    Eat don't chat ...When I figure out what windlowless is, I'll respond .
    i hear voices in my head and they keep caaaaallin' me

  11. #731
    Peaceful Oasis TomAz's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by PlayaDelWes View Post
    It's from a doctor down the street who I used once.
    thinking about this some more, it probably means that Blue Cross is taking a 'narrow network' strategy for the ACA market in 2015 -- this was an approach that achieved considerable success by carriers in 2014 in certain markets, and is bound to expand in 2015. So it means that this physician participates in Blue Cross' 'broad network' but not their 'narrow network'. He probably chose not to participate in the narrow network because offered physician reimbursement rates are less than the broad network. And then he wrote a stupid letter blaming Obama for it.

  12. #732
    Rover canexplain's Avatar
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    Default Re: Health Insurance

    I have "free" health insurance and don't use (need) it. Sort of ironic all-in-all. cr****
    Have Another Hit Of Colorado Sunshine

  13. #733
    Coachella Junkie Miroir Noir's Avatar
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    Default Re: Health Insurance

    That's not ironic in the least, it's how insurance (of any type) works, irrespective of whether you, someone else, or the government pays for the cost of the premium.
    Quote Originally Posted by canexplain View Post
    To you guys I say Wat?????????? Off to ?????? ....... cr****
    Quote Originally Posted by TomAz View Post
    It's hard to argue with that.

  14. #734
    Coachella Junkie jackstraw94086's Avatar
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    Default Re: Health Insurance

    It is however an example of morissetian irony.

  15. #735

    Default Re: Health Insurance

    Quote Originally Posted by TomAz View Post
    thinking about this some more, it probably means that Blue Cross is taking a 'narrow network' strategy for the ACA market in 2015 -- this was an approach that achieved considerable success by carriers in 2014 in certain markets, and is bound to expand in 2015. So it means that this physician participates in Blue Cross' 'broad network' but not their 'narrow network'. He probably chose not to participate in the narrow network because offered physician reimbursement rates are less than the broad network. And then he wrote a stupid letter blaming Obama for it.
    My thoughts exactly.

  16. #736
    Banned thelastgreatman's Avatar
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    Default Re: Health Insurance

    Suppose you're starting a new company with a permanent staff of 2-4 employees--is it worth pursuing getting an insurance plan for the company as a group or should you just stick with everyone getting their own individual plans for the meantime? If the answer is the latter, what is the point at which it starts making more financial sense to get a group plan?
    Quote Originally Posted by schoolofruckus View Post
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  17. #737
    Peaceful Oasis TomAz's Avatar
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    Default Re: Health Insurance

    Well that's a complicated question, but the short answer is it makes sense for the business owner to do a group plan when he or she finds they need it to recruit or retain talent.

  18. #738
    Banned thelastgreatman's Avatar
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    Default Re: Health Insurance

    Good call. Okay suppose you're just two guys--is there an advantage? I don't entirely get what it costs the employer to form a "group."
    Quote Originally Posted by schoolofruckus View Post
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  19. #739
    Peaceful Oasis TomAz's Avatar
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    Default Re: Health Insurance

    There's no good answer other than 'run the numbers'. And for an employer that size, that probably means finding a broker, i.e., an insurance agent. and those guys are usually assholes who talk too much and don't listen enough, which I don't see you tolerating too well, but if you find one you like, that's a good thing. They become like consultants to you that the insurance company is paying.

    Key question will be if you intend the business to pay part of the cost or if you plan on having everyone pay their own way regardless. If it's the latter, having everyone go get their own insurance is probably gonna be the better answer, but that will vary by market, and I don't have the specifics of the southern california group vs individual rate structures at my fingertips.

  20. #740
    Coachella Junkie jackstraw94086's Avatar
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    Default Re: Health Insurance

    Pick a plan and then claim that as a Christian Scientist, medical treatment is against your beliefs and refuse to pay for any of it.

  21. #741
    Peaceful Oasis TomAz's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by Miroir Noir View Post
    That's not ironic in the least, it's how insurance (of any type) works, irrespective of whether you, someone else, or the government pays for the cost of the premium.
    "The other day my friend was telling me that I didn’t understand what irony meant. … Which is ironic, because we were standing at a bus stop."

  22. #742
    Coachella Junkie chairmenmeow47's Avatar
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    Default Re: Health Insurance

    this year at work we have a health care exchange. the two main contenders for me are aetna and united health care. probably at a gold or platinum level. they are pretty comparable. uhc seems to be slightly cheaper with prescriptions. uhc platinum and aetna gold are the cheapest options.

    anything i should know before pulling the trigger? so far i have talked to all but one doctor and they are all covered. leaning towards platinum after reviewing my costs and uhc is the cheaper option. live in az. thanks
    Quote Originally Posted by malcolmjamalawesome View Post
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  23. #743
    zeezus amyzzz's Avatar
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    Default Re: Health Insurance

    Has anyone tried to sign up for ACA yet? The first thing it asks me is my employer's SHOP code, but I work for my employer through a temp agency, so my employer does not even provide me with insurance. I asked my temp agency and they don't know, but gave me an 800 number.
    Last edited by amyzzz; 11-17-2014 at 10:01 AM.
    Quote Originally Posted by concertgoer View Post
    You better stop because he can shut down this message board with one call.

  24. #744

    Default Re: Health Insurance

    Maybe you should call the 800 number.

  25. #745
    zeezus amyzzz's Avatar
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    Default Re: Health Insurance

    I'm not going to feel bad for you when people talk behind your back anymore.
    Quote Originally Posted by concertgoer View Post
    You better stop because he can shut down this message board with one call.

  26. #746
    Dark Lord mountmccabe's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by amyzzz View Post
    Has anyone tried to sign up for ACA yet? The first thing it asks me is my employer's SHOP code, but I work for my employer through a temp agency, so my employer does not even provide me with insurance. I asked my temp agency and they don't know, but gave me an 800 number.
    I believe your employer is the temp agency, not wherever you work.

    Your employer (the temp agency) may not be eligible for or may not be offering SHOP coverage. At any rate the temp agency that you work for must know if they are offering SHOP coverage.

    If they are not then I believe you may need to search for insurance under Individuals & Families rather than under Small Businesses.
    Quote Originally Posted by guedita View Post
    I feel like dad-rock wouldn't get so bad of a rep if we called it pop-rock

  27. #747
    zeezus amyzzz's Avatar
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    Default Re: Health Insurance

    Thank you, John. That was helpful.
    Quote Originally Posted by concertgoer View Post
    You better stop because he can shut down this message board with one call.

  28. #748
    Coachella Junkie Drinkey McDrinkerstein's Avatar
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    Default Re: Health Insurance

    Beyond wanting to make fun of Paul, is there a reason you didn't want to call the 800 number to ask that question and find out right from the source?
    last.fm
    11/14/14 - Death From Above 1979 @ Regent // 11/16/14 - Lucero @ Echo

  29. #749
    zeezus amyzzz's Avatar
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    Default Re: Health Insurance

    Because I thought I was probably doing something wrong due to I'm dumb, and John pretty much confirmed that.
    Quote Originally Posted by concertgoer View Post
    You better stop because he can shut down this message board with one call.

  30. #750
    old school kvnty's Avatar
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    Default Re: Health Insurance

    Quote Originally Posted by amyzzz View Post
    I'm not going to feel bad for you when people talk behind your back anymore.
    you go, guurl!
    Quote Originally Posted by fakekvnty View Post
    As awkward as the time I force-felched you?
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    You bitchez will all CUM-ba-ya when y'all see my pee-shooter.
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    All you ladybois want inside this pink slip

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