Post
by laklak » Sat Nov 09, 2013 8:38 pm
Reposting this from FB, someone directed me to a non-governmental calculator site after I bitched about the shit policy the ACA was offering me now that my insurance company is being forced to cancel all their "substandard" policies. Substandard because they don't provide maternity benefits, pediatric benefits, gender reassignment surgery or substance abuse programs. NONE of which I need.
No subsidy, silver plan $9,813 premium, 12,700 copay vs current plan 7260 premium, 10,000 copay. That's if both of us meet all copays. So 22513 vs 17260 = $5253 additional. If we don't go to the doctor at all it will cost $2,553 more than my current plan. Bronze plan is cheaper premium but higher copays, but they don't give that information. So a few hundred less than I got off the ACA website, and this one is saying I can get a catastrophic plan which the ACA site said I couldn't get. However, even if I get a catastrophic plan, the out of pocket is still 12700 vs 10000 on my current plan. It doesn't give me premium info for the catastrophic plan. So if this site is correct and the ACA wasn't, I could get a catastrophic plan that would be equivalent only if the yearly premium was 4560 or 380 monthly. IF I can get on the website and IF they'll insure the two of us for 380 and IF the catastrophic plan is equivalent I'll withdraw my criticism.
Here's my big issue. After being repeatedly told how wonderful this program will be, how we'll keep our plans and our doctors and get better coverage for cheaper, they say "Oh, sorry, you must have misunderstood, we didn't mean YOU, we meant THEM, so cough up another 5 grand a year". So if you work your ass off in third world countries for years, pay your taxes, save your money and retire early, you get it in the neck. No Medicare for another 5 years for me, a lot longer for my wife. We managed to weather the Recession-Not-A-Depression by cutting back expenses, scaling back retirement plans, accepting a lower standard of living while the government bailed out all the fat cats with our money. Now I'm told I'm going to have to do it AGAIN, this time to bail out the poor people. So I get to bail out everyone, rich and poor, because I was stupid enough to work hard? Can you see how this might stick in my craw just a tad?
Yeah well that's just, like, your opinion, man.