Loc: Petaluma, CA
Work just posted a notice saying all Kaiser health coverage is doubling as of April 1st. Co-pays, Premiums, Deductibles, all doubled. According to the memo, Kaiser is blaming it all on Obamacare (They don't even call it the Affordable Care Act). I won't find out the truth until after the 1st, but between rent and insurance going up every freaking year, I'm steadily going backwards. Scary stuff…
Loc: Pinellas Park, Florida
Probably not the insurance company, but your employer's decision not to under-right your premiums by as much and then, blaming it on the ACA. I'd be looking into this to check its legality. It seems a lot of businesses are using the ACA as an excuse to not help their employees among other things.
Our premiums actually went down this year through my employer, so there is something screwy here.
Oh! The employer "mandate" doesn't even start until next year.
This is some of the big ammunition the right is using. I figure I'm not the first to suggest comparing your estimated increase to paying yourself, but I really haven't seen a rebuttal from the Dems on the number of people seeing their rates go up. My brother and sister are in the same boat. So Rush may be right.
Hard to justify, considering Obama's original synopsis on the ACA. Have we been had?
I suspect it your employer taking the opportunity to cut his costs and pass them to you- and blame BO and the ACA... I have no way to prove it... but on your benefits does it state how much they pay on your HC ??
Or it could just be Kaiser digging in !
Inflation could cause some HC increases, but doubling ?? something smells !!!
I documented here my experience enrolling through CoveredCA. It worked really well back in November, I hear it's even better now. It's super easy to log in and explore the options, it may take you about an hour.
I'm certain it's the insurance companies that are jerking everyone around on this. I enrolled with Anthem Blue Cross and it all started off really well. Once enrolled I got a million letters and packets mailed to me …. way too much stuff to even begin to make sense of. Two things that I did discover that was never part of the enrollment/application process:
1. California makes all policy holders of ACA subsidities pay $9.54/mo toward Pediatric Dental in addition to your premium payment … that's an extra $115/yr that was never mentioned. Everyone pays into to it so the care is available for those that need it …. I get that and don't mind …. It just would not have pissed me off if it was stated up front. Rather than include that fee in the monthly premium Blue Cross just sends a bill (or takes it from you if you have a direct debit payment set up as I do). People who don't pay the $9.54 can default on their entire policy. WTF??!
2. You must notify Blue Cross that you choose to use a specific pharmacy and not their "perscription home delivery" service …. even though I've been using my new policy at the same pharmacy since Jan 1, they make it my responsibility to call them and let them know I am using the pharmacy. Failure to notify them can default your entire policy WTF??! To do this you need to call their 800 number Monday-Thursday 9-5, and I'm on hold for at least an hour before I actually talk to someone.
It's like they're purposely rigging the game to make people default from the ACA.
I suspect Kaiser is worse than Blue Cross because they offer their insurance coverage through their own hospitals.
Bottom line is that CoveredCA offered me a great policy for less than I was previously paying. Anthem Blue Cross just requires you to be attentive to all their bullsh!t if you want to avoid problems.
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