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FoxNews contributor Sally Kohn's Obamacare experience

ObamaCare Affordable Care Act ACA

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#1 Spectacles

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Posted 23 October 2013 - 06:28 AM

Short version: it saves her family a ton of money and gives them better insurance. She loves it.

http://www.foxnews.c...are-guinea-pig/

Quote


Currently, I pay $965 per month for family coverage that includes:
•    a whopping $7,000 deductible;
•    $36,000 out-of-pocket max per year;
•    an annual coverage limit of $2,000,000;
•    a $35 co-pay for doctor’s visits ($55 for specialists); and
•    a $15 co-pay for generic prescriptions.

All this plus the plan has very limited out-of-network coverage that, I found out the hard way, is subject to such a gauntlet of procedural hurdles that my family has spent thousands of dollars in so-far-unreimbursed out-of-network expenses.

I’m not going to tell you who my current provider is, though I’m inclined to purely out of loathing and spite. But for the record, for over a year I paid for their version of “gold” coverage that had a $3,000 deductible, only a $25 doctor’s co-pay and a $6,000 out-of-pocket max.

But that plan didn’t process any of my reimbursements either and cost a whopping $1,687 per month. That’s over $20,000 per year!

You can see why, regardless of what party I vote for, I was excited to have some more affordable options.

She tells about difficulties caused the stupid site glitches, then continues:

Quote

While the exchange site was user-friendly and explained my options in a clear and simple way, picking an insurance plan isn’t exactly like ordering a hamburger. It took a minute to find my calculator and think about the options.

Within a week, I had settled on a “gold” plan offered by Empire Blue Cross Blue Shield. The plan includes:

•    a $2,000 total deductible;
•    an out-of-pocket max of $12,500 for the year;
•    a $30 co-pay for visits to our primary care doctor;
•    a $15 co-pay for generic prescriptions;
•    NO annual coverage limit — because that’s now prohibited thanks to the Affordable Care Act; plus
•    an added bonus: the plan I selected includes child dental.

This option will cost my family $931 per month — $408 per year less than my previous crappy plan and a $5,000 savings in deductibles. A big win for me and my family financially and in terms of what’s covered.

Plus in the past, I spent several days looking for and comparing insurance options. Under ObamaCare, even with the slow and sticky website, I spent a total of four hours — to save over $5,400. That kind of return on investment would make Warren Buffett drool.

Counter to wild storiesPosted Image about the government taking over health care, the exchange was simply a public portal to a range of all-private insurance options. I went with a “gold” plan for lower deductible and out-of-pocket costs. And I chose Blue Cross Blue Shield because my current primary doctor is in-network.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#2 Balderdash

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Posted 23 October 2013 - 09:46 AM

Yep, I'm betting that the more people see what "Obamacare" really is they'll start to look at the crazy tea baggers and wonder WTF.

Another Democrat leaning Independent that has to search for truth because it can't be found on Fox News OR MSNBC.



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#3 Nonny

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Posted 23 October 2013 - 10:11 AM

View PostBalderdash, on 23 October 2013 - 09:46 AM, said:

Yep, I'm betting that the more people see what "Obamacare" really is they'll start to look at the crazy tea baggers and wonder WTF.

The sooner, the better.  I'm getting tired of being ambushed by teabirchers who assume I'm on board with their crazy, as I was AGAIN this morning while out walking.
Posted Image


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#4 tennyson

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Posted 23 October 2013 - 07:57 PM

Hmm, this makes me wonder how much she gets paid a month. $931 a month for health insurance at my old job would have been roughly 90 percent of my monthly income.
"Only an idiot would fight a war on two fronts. Only the heir to the throne of the Kingdom of Idiots would fight a war on twelve fronts."

— Londo, "Ceremonies of Light and Dark" Babylon-5


#5 Spectacles

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Posted 24 October 2013 - 08:53 AM

^ I know. It's outrageous how much insurance costs.

Apparently she makes a lot of dough, and therefore didn't qualify for any subsidies, which help individuals making up to 45,000 and families making up to 92,000 a year pay for their policies.

And yet even someone with high income considers "Obamacare" a good deal compared to what she'd been able to purchase before.

It's been spun by the right as a new welfare program for the "takers." I know I had a brief FB dust-up with a forty-something-year-old friend who believes all that crap and really thought it was "government takeover of healthcare" in which "we will have to pay so that poor people can get free insurance!" He was so wrong it wasn't funny. This woman's tale shows that there is more to the ACA than the right-wing propaganda has defined it as being.
"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#6 tennyson

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Posted 24 October 2013 - 07:54 PM

Yeah a significant fraction of my old coworkers had that whole, "people will go on government welfare and stop working, " concept going complete with the whole "drug absusers are abusing welfare" meme. Even though every study so far has shown that mandatory drug testing for public assistance would cost at least an order of magnitude more than all the money the programs in say Florida might be loosing from drug users.
Of course this was the same work-place where taking my need for a safe workplace as defined by law to my manager to stop the defaming of my good name got me a lecture about how I "needed a thicker skin" and I was being "entitled" for not wanting to deal with a workplace where people who were bothering me were also taking pictures of coworkers in other departments and circulating them with the caption "whore." He thought that kind of stuff was just fine and dandly and I should get used to people spreading lies about me as truth and complaining about things relating to me to highers ups that didn't even exist and me challenging blatant falshoods during break room conversation with peer-reviewed was something to complain to management about.
I had everything I did on my own merit and by God I was not going to be lumped in some false "taker vs producer" mindset by my own coworkers. Yes the people who raised me were poor according to federal government statistics but I never felt "poor" or bad about my life situation growing up in an economic sense until after 4 years of those "people" grinding me down. We never took anything but free school lunches and I got every scholarship I had on my own merit. College only ever cost my grandfather $15 for a tank of gas to get there and if anyone ever earned to inherit from him I did after how I burned up my teenage years taking care of them and doing nothing but work at school. I gotb tired of those bitches making me feel like dirt because I had problems growing up that carried with me into adulthood. I worked four jobs to make ends meet for years without a dime of public assistance and they had the gall to call me stupid for it. I'm glad I left that enviroment and they can have thier lies, covering thier asses and bile.
"Only an idiot would fight a war on two fronts. Only the heir to the throne of the Kingdom of Idiots would fight a war on twelve fronts."

— Londo, "Ceremonies of Light and Dark" Babylon-5




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