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*notaregistereduser*
Community Member
Posts: 857
Registered: ‎08-29-2011

Re: How many people have signed up for Obamacare?

in reply to beadle_eze

beadle_eze wrote:

People who make too much money to qualify for Medicaid, but too little to pay for health insurance signing up for subsidies.   Imagine that!  I feel a good ole fashioned fit of cynicism coming on.



Sounds like a donut hole. Or a Dunkin' Munchkin'.

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runaway2da
Community Member
Posts: 2,622
Registered: ‎01-21-2009

Re: How many people have signed up for Obamacare?

in reply to *notaregistereduser*

`

 

Editorial: Warning: Obamacare exchanges may cause dizziness
Navigating the health insurance exchange
October 06, 2013
    •  
 
 
    •  534
(Jose M. Osorio, Chicago Tribune)

The online health insurance exchanges promised by Obamacare promptly opened for business last week and just as promptly crashed. People seeking to sign up for insurance, or just peruse plans, waited and waited ... and waited.

Eventually, we're sure, the computer problems will be resolved. But many people will find that when they can get through, they're confronted with a bewildering online experience. They'll have to sort through dozens of plans from different insurers.

 

This is a complex decision. Some people may be tempted to throw a dart and pick one with the lowest premiums, assuming all plans are about the same.

Warning: They're not.

In recent weeks federal officials touted some of the low premium prices available under the new exchanges. What they didn't stress, and what careful consumers will find on the exchange market site, is that insurers have tamped down prices in some cases by greatly narrowing the hospitals and doctors available in the coverage network. That means if you favor a particular hospital, say, the University of Chicago Medical Center, you'll want to make sure that your plan covers that hospital and your doctors.

If not, you could be on the hook for much higher medical bills for out-of-network coverage, even though you have insurance.

Let's back up for a second. Obamacare sets four levels of coverage: platinum, gold, silver, bronze. The law requires that every plan provide a basic menu of services, including maternity care, mental health services, prescription drugs and hospital visits. Insurers can offer more than that, but they can't offer less.

The different levels of coverage indicate how you and the insurer will split your health care costs. In a bronze plan, for instance, you'll pay 40 percent of the costs and your insurance will cover 60 percent. You'll pay 30 percent in a silver plan, 20 percent in a gold plan, 10 percent in a platinum plan.

In the lower tiers, you'll generally pay lower premiums but will have higher out-of-pocket costs. For instance, the deductible — the amount owed for covered services before insurance kicks in — will be higher when you visit a doctor or go to a hospital.

That doesn't mean all gold plans — or silver or bronze — are created equal.

The differences within a tier can be huge. Blue Cross and Blue Shield of Illinois, for instance, offers some customers its Blue PPO Gold plan for 314.19 a month or its Blue Choice Gold PPO for $234.02. The plans have the same deductible. Same coinsurance. Same copays. So what accounts for the $80.17 difference in monthly premium? One major factor: The higher-priced plan has 54 hospitals in its network, including world-class Northwestern Memorial Hospital, and more than 23,000 doctors. The lower priced plan has 26 hospitals, excluding Northwestern. It has about 10,000 doctors.

You may find a broader doctor/hospital network in a bronze plan than you find in a gold plan, depending on the insurer. You will need to check to see if your doctors and preferred hospitals are covered under the policy you want to choose. Plans also differ in which prescription drugs are covered and how much you'll pay for a brand name versus a generic.

 

Don't assume anything.

There's plenty of time to investigate before you decide. You can enroll until Dec.15 for insurance that begins Jan. 1.

If you find yourself confused, be reassured: You are not alone. Almost all the experts we've talked to — insurance agents, hospital officials, doctors — are still sorting out the details of this massive health care expansion.

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~The result of shielding men from their follies is filling the world with fools.~

~ There are as many paths as there are people to walk them, and that each person is the best judge of which path they will walk at any given time.~
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steppefjordwyfe10
Community Member
Posts: 7,938
Registered: ‎02-04-2013

Re: How many people have signed up for Obamacare?

[ Edited ]
in reply to runaway2da

 

There's plenty of time to investigate before you decide. You can enroll until Dec.15 for insurance that begins Jan. 1.

If you find yourself confused, be reassured: You are not alone. Almost all the experts we've talked to — insurance agents, hospital officials, doctors — are still sorting out the details of this massive health care expansion.

 
I don't know why they don't just ask our resident expert who has read it and understands it all.  LOL


“People think that a liar gains a victory over his victim. What I’ve learned is that a lie is an act of self-abdication, because one surrenders one’s reality to the person to whom one lies . . . Ayn Rand
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runaway2da
Community Member
Posts: 2,622
Registered: ‎01-21-2009

Re: How many people have signed up for Obamacare?

in reply to steppefjordwyfe10

Chicago Tribune.

 

Obamacare is not what you think.

 

http://www.insurancenewsnet.com/oarticle/2013/10/13/obamacare-deductibles-a-dose-of-sticker-shock-[c...

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~The result of shielding men from their follies is filling the world with fools.~

~ There are as many paths as there are people to walk them, and that each person is the best judge of which path they will walk at any given time.~
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runaway2da
Community Member
Posts: 2,622
Registered: ‎01-21-2009

Re: How many people have signed up for Obamacare?

in reply to runaway2da

`

The Obamacare implosion is worse than you think

 

Obamacare is imploding. But thanks to the government shutdown, everyone is talking about the implosion of the GOP instead.

The shutdown drama has distracted from the fact that Obamacare’s debut is worse than many realize — and it threatens the fundamental viability of the law itself. The administration claims the Obamacare online exchanges crashed because the Web site got more than 8 million hits in the first week. Please. You know how many people visit Amazon.com every week? More than 70 million. The difference is: 1.) Amazon seldom crashes, and 2.) on Amazon, people actually buy something.

Marc A. Thiessen

A fellow with the American Enterprise Institute, Thiessen writes a weekly column for The Post.

Archive

 
<:ARTICLE>

It appears virtually no one is buying Obamacare. While administration officials brag about how many visitors the site is getting, they refuse to divulge how many people actually signed up. Health and Human Services Secretary Kathleen Sebelius was asked that directly by Jon Stewart on “The Daily Show.” “Fully enrolled?” Sebelius stuttered. “I can’t tell you. Because I don’t know.” That is a frightening admission of incompetence. If the Obama administration can’t even track how many people signed up, how on earth is it going to verify whether those people are eligible for subsidies? How will it protect against fraud?

The Post reported this past weekend that the failure of the Web site is worse than previously known: “Even when consumers have been able to sign up, insurers sometimes can’t tell who their new customers are because of a separate set of computer defects.” It turns out that in some 99 percent of applications, the Obamacare site did not provide insurers with enough verifiable information to enroll people in their plans.

Computer experts say the problems with the site are not because of heavy traffic but are the result of structural flaws in system architecture. It is going to take months to rebuild it. That raises a question: If the federal government can’t manage a simple Web site, how on earth is it going to manage the health care of millions of Americans?

It also means that President Obama may have no choice but to delay the individual mandate. As my American Enterprise Institute colleague, Dr. Scott Gottlieb, points out, how can Obama penalize people for not having health insurance if the government’s Web site to provide that insurance doesn’t work?

Without the individual mandate, Obamacare unravels. The only way the law works is if the government forces young, healthy people into it by threatening them with penalties for not carrying health insurance. But if there is no penalty for not signing up, then fewer Americans will sign up.

Even if the administration manages to fix the Web site and finally implement the individual mandate, people still may not join — because the plans being offered are so unattractive. To entice people to join the exchanges, the administration forced insurers to offer low monthly premiums and cover people with preexisting conditions. Insurers have responded by increasing deductibles — the out-of-pocket costs people must pay before insurance benefits kick in — to stratospheric levels.

According to an analysis this weekend by the president’s hometown paper, the Chicago Tribune, “21 of the 22 lowest-priced plans offered on the Illinois health insurance exchange for Cook County have annual deductibles of more than $4,000 for an individual and $8,000 for family coverage. . . . Plans with the least expensive monthly premiums — highlighted by state and federal officials as proof the new law will keep costs low for consumers — have deductibles as high as $6,350 for individuals and $12,700 for families.” Even with federal subsidies, few Americans will bother to buy insurance with a $4,000 to $12,700 deductible — and millions won’t even be eligible for the subsidies.

If enough Americans don’t join the exchanges, Obamacare collapses. According to the Congressional Budget Office, the administration needs at least 7 million people to join the exchanges for Obamacare to be financially viable. While the administration won’t reveal sign-up rates, London’s Daily Mail reported that total sign-ups in the first week were just 51,000 people. If accurate, that would mean they have just 6,949,000 more to go to break even.

Bottom line: It turns out Obamacare is blowing itself up just fine without Republican help. Far from a few “glitches,” the president’s signature program is in free fall after only a week. But instead of focusing on the Obamacare debacle, the news is filled with stories about . . . the government shutdown. The irony is, the shutdown was intended to stop Obamacare. Instead, it is rescuing Obama from his own incompetence.

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~The result of shielding men from their follies is filling the world with fools.~

~ There are as many paths as there are people to walk them, and that each person is the best judge of which path they will walk at any given time.~
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runaway2da
Community Member
Posts: 2,622
Registered: ‎01-21-2009

Re: How many people have signed up for Obamacare?

in reply to runaway2da

`

Is economy so frail Obamacare can kill it?
October 06, 2013|By Ron Grossman
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    •  189
(Tribune illustration)

Whenever I think I've got my arms around capitalism, its apostles change their message. Usually it is touted as the Superman and Wonder Woman of economic systems. Capitalism is lauded as the ultimate horn of plenty, the necessary underpinning of a viable democracy. Yet the mere proposal of even a small revision to a free-market economy sets off gnashing of teeth and rending of garments by conservative politicians and pundits.

 

A milestone like the debut of Obamacare is greeted with apocalyptic visions that America's end is near. Tea party members of Congress are so convinced that the nation will go over a cliff unless the Affordable Care Act is defunded that they've been willing to cut off the federal governmententirely. Yet mainstream economists — and some right-of-center ones, too — think that could trigger a deadly domino effect: If, for lack of funds, the U.S. defaults on its debt obligations, the dollar could go into a tailspin, taking with it not just the American economy but the global economy as well.

Yet it doesn't take a major dust-up like the stalemate in Washington for capitalism's boosters to shift their narrative to the tale of a fragile flower of an economic system, its delicate blooms vulnerable to the slightest breeze. Earlier this year, some McDonald's employees asked for a raise, their backs stiffened by the company's suggestion that they could make ends meet by following a household budget without a line item for groceries. Some workers at big-box stores similarly asked for what they deemed a living wage.

You might have thought that a new generation of Lenins and Trotskys were calling for the bosses' heads. Gravestones were inscribed, autopsies were offered, as if capitalism had perished as a side effect of McDonald's and Home Depot merely being asked by their employees for bigger paychecks.

Logically, a diametrically opposite outcome can be posited: If hamburger flippers and checkout clerks would have gotten a few more bucks, it's hardly likely they'd hide their salary increases under a mattress. We're talking about folks who live from paycheck to paycheck. A windfall that comes their way is probably going to be spent on groceries, filling in that line item McDonald's home economists forgot. Maybe the workers would treat their kids to a toy, a bit of candy. So their newfound money wouldn't stay in their own hands, but would ring cash registers where they shop; with more in their till, storekeepers would order more from their suppliers; who would call factories to up their orders. Sounds to me like a humming economy.

Now, I don't have the credentials to vouch for that scenario, not being an economist. But as a historian, I can report that ever since the dawn of the industrial age, prophecies of gloom and doom have accompanied virtually every proposal to tweak the free-market system.

It's a powerhouse, make no mistake about that. Prices and production levels are set by competition not by bureaucrats as in a socialized economy. But efficiency comes at a cost: For there to be winners, there have to be losers. A business that can't match a rival's prices goes belly up, and its employees are out of work. Already in the 19th century, English reformers were asking if some issues shouldn't be left to the invisible hand of the market. Like whether children should finish school before going to work.

 

But when child-labor laws were enacted, the merchant class protested that if kids weren't allowed to go down in coal mines, the British economy would tank. Well, child-labor laws are with us still, and London is a booming financial center.

When labor unions appeared in the U.S., the antitrust laws were invoked on the reasoning that workers getting together was an infringement on the hardball competition for jobs that industry depended upon. Similar prophecies of gloom and doom accompanied the birth of Social Security in 1935, and the passage of Medicare in 1965. The American Medical Association was sure that a role for the federal government in health care would be the first step to a socialized economy.

Since then, the AMA revised its forecast and became a supporter of Obamacare.

And not without a certain consistency, as the Affordable Care Act has a dash of capitalism in its mix. It requires people to buy something. Won't that be good for the agents who sell health insurance? And if their share of premiums goes up, some may be tempted to buy a new car. Wouldn't that make some car dealers happy? And so on and so forth, spreading the wealth through ever widening circles.

Of course, no one can predict the future with certainty. But the record of the past is there to be read, and includes a fascinating chapter on the ultimate ancestor of Obamacare. In 1883, Germany pioneered a national health care program. It wasn't the brainchild of some dreamy-eyed reformer, but Otto von Bismarck, the "Iron Chancellor" as he was known. Today's tea partyers stand in the shadow of Bismarck's conservatism.

He didn't institute a heath care program in the name of socialism. He did so to spite the socialists. Left-wing candidates were winning seats in the German parliament. So the Iron Chancellor decided to beat them to the punch. I'm sure there must have been German kibitzers who ruefully said: "There goes prosperity."

With health insurance on the books for 130 years — and the country having lost two destructive world wars in the meantime — what's up with the German economy? The last time I looked at the financial pages, it was doing just fine.

Ron Grossman is a Tribune reporter and former history professor.

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~The result of shielding men from their follies is filling the world with fools.~

~ There are as many paths as there are people to walk them, and that each person is the best judge of which path they will walk at any given time.~
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Community Member
Posts: 1,532
Registered: ‎01-26-2003

Re: How many people have signed up for Obamacare?

in reply to runaway2da

My husband and I spent almost six months familiarizing ourselves with Medicare and what it covered and weighing our options before signing up for Part B, Part D, and a medi-gap plan - the most helpful information was not from the federal government, but from AARP and our former insurance broker.   There are changes to Medicare plans every year - just received our annual 200 page booklet on our Medicare Part D plan.   I can only imagine how difficult it is for the medical care providers to keep up with all the changes to Medicare plans now also brought about by Obamacare.

 

Considering that the Centers for Medicare and Medicaid are also responsible for the Federal health insurance exchange - I feel sorry for those trying to wade through the offerings, especially when it comes to figuring out the total costs and any subsidies.  I feel especially sorry for those that are healthy who will be paying in much more than they will get out of it - with the high deductibles they will be paying premiums plus most of their medical costs out of pocket every year.   Hope they carefully explore their options before signing up. 

 

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Community Member
Posts: 755
Registered: ‎08-12-2003

Re: How many people have signed up for Obamacare?

in reply to kathieskorner

I foolishly thought this Obamacare would not affect me.....I am on Medicare - have BCBS PPO that is available in my areas as an alternative to straight Medicare. 

I got a notice in the mail from Medicare and BCBS saying essentially I didn't need to do anything.

Life is good.

Then Saturday I got something in the mail from BCBS saying there would be some minor changes in coverage starting 1/1/14 due to the recent changes in health insurance.

~They dropped all dental care - no more xrays and free cleaning twice a year.....that will set me back $250 a year.

~They dropped all vision care - no more free eye exam and basic glasses once a year....that will set me back another $250 a year.

~The tiered co-pays for Rx that was $3/$8/$15 depending on the drug will now be $8/$20/$40 - plus 2 of the 6 meds I take were dropped from the formulary altogether - so instead of spending $200 a year on meds, I will spend just over $1800.

~And the monthly insurance premium went up $38.....another $450 out of my pocket each year

 

So something that will not effect me will cost me over $2000 a year.....


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beadle_eze
Community Member
Posts: 3,379
Registered: ‎11-20-2004

Re: How many people have signed up for Obamacare?

in reply to _southernbelle_

Unfortunately, you have your insurance company to blame for the rise in fees and the decrease in coverage.  It was not Obamacare.


beadle_eze as beadle does
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pdbposting
Community Member
Posts: 1,692
Registered: ‎05-25-2009

Re: How many people have signed up for Obamacare?

in reply to beadle_eze

For the moment, it's all intertwined

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Tolerance vs Acceptance.....Embrace the difference
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beadle_eze
Community Member
Posts: 3,379
Registered: ‎11-20-2004

Re: How many people have signed up for Obamacare?

in reply to pdbposting

The onus is clearly on the insurance company for changing the policy's coverage.  Obamacare did not force the insurance company to increase the costs or reduce the coverage.


beadle_eze as beadle does
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sheba*
Community Member
Posts: 3,512
Registered: ‎05-28-2003

Re: How many people have signed up for Obamacare?

in reply to _southernbelle_

Belle....  I also have BCBS Senior Blue PPO for our area...  I have the lowest tier available, and didn't get the same kind of hits you have....  Mine still offers a vision check for $25 and an amount towards new glasses if needed.

 

I never opted for their plans with dental, because they were so expensive....

 

I do have independent dental coverage through Delta Dental. They charge $100 a year and covers 2 cleanings, then pays part of other things...  You might check them out.  Not as good as what I had when I was working, but better than nothing.

 

 photo imagesqtbnANd9GcSZoHPqNG49YEd86wesaqCBCyizhm6Bli0XXsSvd-gblCSZhQiW.jpg

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pdbposting
Community Member
Posts: 1,692
Registered: ‎05-25-2009

Re: How many people have signed up for Obamacare?

in reply to beadle_eze

I'm not a novice on the reasons why beadle....But I'm sure the adjustments were done for a reason... Hopefully someone with a greater knowledge will give the reasoning. (don't feel like researching at the moment myself)

 

We were hit as originally projected through my wife's employment at around 40 percent for the state of Fl

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beadle_eze
Community Member
Posts: 3,379
Registered: ‎11-20-2004

Re: How many people have signed up for Obamacare?

in reply to pdbposting

I live in Florida, too.


beadle_eze as beadle does
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jlh1973mu
Community Member
Posts: 2,221
Registered: ‎04-03-2007

Re: How many people have signed up for Obamacare?

in reply to runaway2da

Cyber security expert worried about government healthcare website

 

...WBTV Cyber Security Expert Theresa Payton says all those glitches on healthcare.gov could provide thieves with a path to your private information, and the way the site is designed, Peyton says, really isn't helping matters.

 

"When you go to Amazon or Target or Walmart online," she says, "you can shop [anonymously] as much as you want.  It's when you go to actually purchase something that they ask you for your personal and confidential information.  [Healthcare.gov] works a little differently from that experience that we're all used to. This site asks you right up front, who are you, what do you want, do you qualify and so, as it's glitching out in the middle, you wonder if there's an opportunity for bad guys to get in that glitch and take advantage."

 

Another aspect that worries Peyton - criminals go where the action is, and there have been a lot of headlines about all the traffic on healthcare.gov...and all the problems.

 

Her advice is to stay off the website for now.

 

http://www.wbtv.com/story/23671545/cyber-security-expert-worried-about-government-healthcare-website

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pdbposting
Community Member
Posts: 1,692
Registered: ‎05-25-2009

Re: How many people have signed up for Obamacare?

[ Edited ]
in reply to beadle_eze

I know....My wife works for law enforcement....has BCBS....And personally, I really don't know how it all works, nor really care. Basically as long as bureaucracy just leaves us alone.

 

Is it cool where you're at?....We're having some pleasant eves here. I would think you would be like 10 degrees below us at this time of year

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runaway2da
Community Member
Posts: 2,622
Registered: ‎01-21-2009

Re: How many people have signed up for Obamacare?

in reply to beadle_eze

beadle_eze wrote:

Unfortunately, you have your insurance company to blame for the rise in fees and the decrease in coverage.  It was not Obamacare.


The insurance company is to blame when they are forced under federal law to conform to new regulation?

Are you kidding me?

 

 

 

 

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~The result of shielding men from their follies is filling the world with fools.~

~ There are as many paths as there are people to walk them, and that each person is the best judge of which path they will walk at any given time.~
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jlh1973mu
Community Member
Posts: 2,221
Registered: ‎04-03-2007

Re: How many people have signed up for Obamacare?

in reply to beadle_eze

beadle_eze wrote:

The onus is clearly on the insurance company for changing the policy's coverage.  Obamacare did not force the insurance company to increase the costs or reduce the coverage.


 

Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Plans Are

 

A growing consensus of IT experts, outside and inside the government, have figured out a principal reason why the website for Obamacare’s federally-sponsored insurance exchange is crashing. Healthcare.gov forces you to create an account and enter detailed personal information before you can start shopping. This, in turn, creates a massive traffic bottleneck, as the government verifies your information and decides whether or not you’re eligible for subsidies. HHS bureaucrats knew this would make the website run more slowly. But they were more afraid that letting people see the underlying cost of Obamacare’s insurance plans would scare people away...

 

...As you know if you’ve been following this space, Obamacare’s bevy of mandates, regulations, taxes, and fees drives up the cost of the insurance plans that are offered under the law’s public exchanges. A Manhattan Institute analysis I helped conduct found that, on average, the cheapest plan offered in a given state, under Obamacare, will be 99 percent more expensive for men, and 62 percent more expensive for women, than the cheapest plan offered under the old system. And those disparities are even wider for healthy people.

 

That raises an obvious question. If 50 million people are uninsured today, mainly because insurance is too expensive, why is it better to make coverage even costlier?

 

Read more:http://www.forbes.com/sites/theapothecary/2013/10/14/obamacares-website-is-crashing-because-it-doesn...

 

Great question.....so why is Obamacare making coverage more expensive??

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runaway2da
Community Member
Posts: 2,622
Registered: ‎01-21-2009

Re: How many people have signed up for Obamacare?

in reply to jlh1973mu

jlh1973mu wrote:

beadle_eze wrote:

The onus is clearly on the insurance company for changing the policy's coverage.  Obamacare did not force the insurance company to increase the costs or reduce the coverage.


 

Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Plans Are

 

A growing consensus of IT experts, outside and inside the government, have figured out a principal reason why the website for Obamacare’s federally-sponsored insurance exchange is crashing. Healthcare.gov forces you to create an account and enter detailed personal information before you can start shopping. This, in turn, creates a massive traffic bottleneck, as the government verifies your information and decides whether or not you’re eligible for subsidies. HHS bureaucrats knew this would make the website run more slowly. But they were more afraid that letting people see the underlying cost of Obamacare’s insurance plans would scare people away...

 

...As you know if you’ve been following this space, Obamacare’s bevy of mandates, regulations, taxes, and fees drives up the cost of the insurance plans that are offered under the law’s public exchanges. A Manhattan Institute analysis I helped conduct found that, on average, the cheapest plan offered in a given state, under Obamacare, will be 99 percent more expensive for men, and 62 percent more expensive for women, than the cheapest plan offered under the old system. And those disparities are even wider for healthy people.

 

That raises an obvious question. If 50 million people are uninsured today, mainly because insurance is too expensive, why is it better to make coverage even costlier?

 

Read more:http://www.forbes.com/sites/theapothecary/2013/10/14/obamacares-website-is-crashing-because-it-doesn...

 

Great question.....so why is Obamacare making coverage more expensive??


There are rumor out there that the crashes of the website are deliberate.

That the Government set up the websites to crash only after you gave them your personal information to make a record for the government.

 

Is this something that you think that your government would not do?

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~The result of shielding men from their follies is filling the world with fools.~

~ There are as many paths as there are people to walk them, and that each person is the best judge of which path they will walk at any given time.~
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Community Member
Posts: 1,532
Registered: ‎01-26-2003

Re: How many people have signed up for Obamacare?

in reply to runaway2da

Unfortunately, you have your insurance company to blame for the rise in fees and the decrease in coverage.  It was not Obamacare.

 

As some one else posted it is all intertwined.  Medicare impacts the Part D coverage co-pays and what medicines are covered.  That is part of the reason that insurance companies have to publish a new list every year.   There was a change on diabetes supplies this year which neither pharmacists nor doctors really understand.  My husband received a notice from the pharmacy in September that he might be eligible for coverage under Medicare B - he would have to check with his doctor.  The doctor has received no information and is checking on it. 

 

The fact that Obamacare changed some of what Medicare covers over the past two years is another reason that medi-gap and Medicare Advantage plans have changed what the insurer will cover.   Healthcare costs continue to go up (in part due to Obamacare regulations) so insurance premiums, co-pays, deductibles or a combination of the three will also increase.  Since health insurers  are now subject to the 80-85 rule - there is little chance that the increases aren't due to the increase in healthcare costs.  They would hardly raise rates to just to turn around and issue rebates. 

 

The health exchanges also have impacted other plans offered by participating insurers - sometimes dumbing down individual and medi-gap policies or increasing premiums, co-pays, and deductibles to exchange levels or eliminating some offerings altogether.  The insurance companies may also be hedging by using current plans to subsidize the exchange plans so the insurer can be more competitive with initial exchange rates. 

 

It is Obamacare, not the insurance companies, that have changed the overall health insurance big picture. 

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