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Health Care Costs in New Jersey

Posted on 10/05/2013 5:59:43 AM PDT by fedupjohn

Last May I started a business and I checked on Health Insurance for myself.

1. I live in New Jersey
2. 56 yr male non-tobacco user

In May 2013 - Basic & Essential $108.00 per month (Not Bad)
In Oct 2013 - Basic & Essential $436.88 per month (Disgusting)

Now is fairness I went to the estimation page to check out Federal Subsidies’.
Based on a $40,000 a year income the subsidies will lower that down to approx. $223.00 per month.

Let's review,

A. Federal Government Does Nothing..................My Cost $108.00
B. Federal Government Does Something..............My Cost $436.00
C. Federal Government Gives Me Tax A Break.....My Cost $223.00

So my rates are double because of "The Affordable Care Act" ?

WHAT A JOKE!


TOPICS: US: New Jersey; Your Opinion/Questions
KEYWORDS: obamacare

1 posted on 10/05/2013 5:59:44 AM PDT by fedupjohn
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To: fedupjohn
I just sent this to my Congressman Frank Pallone(D) NJ.

I'll post his response if and when I actually get one!

2 posted on 10/05/2013 6:01:59 AM PDT by fedupjohn (America...Designed by Geniuses...Now inhabited by Idiots..Palin 2016...)
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To: fedupjohn

GREAT synopsis ... yes ... please do let us know.


3 posted on 10/05/2013 6:06:53 AM PDT by knarf (I say things that are true ... I have no proof ... but they're true)
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To: fedupjohn

Your rates double because of all the people anticipated to use this program to get expensive HEALTH CARE instead of health insurance. This program fundamentally changes what “health insurance” in America is all about.


4 posted on 10/05/2013 6:08:06 AM PDT by bolobaby
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To: fedupjohn

Double the price. I suspect half the quality. And you have the added ‘benefit’ of extra paperwork!


5 posted on 10/05/2013 6:09:15 AM PDT by Thidwick
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To: bolobaby
That's why insurance should only be for catastrophic illnesses and accidents with a deductible in the thousands of dollars. People paying for the other things themselves is what will keep costs down.

It started getting out of control when the old catastrophic health insurance policies were replaced with HMOs.

This is from Economics 101...you can't in an economically feasible way insure against "sure things" happening.

6 posted on 10/05/2013 6:13:45 AM PDT by grania
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To: fedupjohn

“I just sent this to my Congressman Frank Pallone(D) NJ.
I’ll post his response if and when I actually get one! “

I don’t think you understand. Before the Affordable Care Act you were only paying for insurance for yourself, the cost of which was based on risk you represented to the company carrying the insurance. Now you’re paying the cost of everybody based not on risk, but on paying for all of the otherwise uninsurable people with pre-existing conditions as well as people who are at end-of-life and will use a million dollars “worth” (cost, rather than worth) of insurance in their final 6 months. Considering how much else you’re “volunteering” to pay for your cost is actually fairly low.

When people complain I tell them to be grateful because now Obama can use their money to pay the medical expenses of people less fortunate than themselves.

The ACA was never about you. It was about everybody else, who will now vote Democrat to keep your gravy pouring in.


7 posted on 10/05/2013 6:17:03 AM PDT by Gen.Blather
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To: fedupjohn

http://freepatriot.org/2013/10/04/muslims-exempt-obamacare-due-dhimmitude-status/


8 posted on 10/05/2013 6:21:56 AM PDT by ExTexasRedhead
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To: fedupjohn

Any difference in the deductible or Co-pay?


9 posted on 10/05/2013 6:29:08 AM PDT by DAC21
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To: fedupjohn
WHAT A JOKE!

But now all the mammograms, birth control pills and abortions you could possibly want will be free!!!!

(I haven't seen much coverage of the "By 2014 the elimination of both lifetime and annual limits" aspect of Obamacare. Insurance 101/risk management tells me that this is an impossible -- or nearly impossible -- thing to do. Infinite risk, limited premium income -- what can possibly go wrong? Unless you can print money, like the gov't can. I realize that Rush and many others are convinced that Obamacare is just a Trojan horse for single payer health care. I just didn't realize that it was likely to happen so soon.)

10 posted on 10/05/2013 6:29:13 AM PDT by Sooth2222 ("Suppose you were an idiot. And suppose you were a member of congress. But I repeat myself." M.Twain)
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To: fedupjohn

Its designed to create confusion, mass outrage and frustration so they can deconstruct America and then offer a solution, a socialist plan.
Ignore it completely.


11 posted on 10/05/2013 6:31:16 AM PDT by Eye of Unk
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To: DAC21

About the Same

http://www.ehealthinsurance.com/ehi/ifp/plan-details?planKey=1714:200056&productLine=IFP


12 posted on 10/05/2013 6:38:45 AM PDT by fedupjohn (America...Designed by Geniuses...Now inhabited by Idiots..Palin 2016...)
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To: fedupjohn

bkmk


13 posted on 10/05/2013 6:39:41 AM PDT by novemberslady
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Please donate today!!

Let's finish this Thon quickly
so Jim can fully recover without
hosting the fundraiser for two months :)
Thank you!!

14 posted on 10/05/2013 7:00:53 AM PDT by RedMDer (http://www.dontfundobamacare.com/)
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To: fedupjohn

Not only that the deductible will be out of sight!


15 posted on 10/05/2013 7:18:22 AM PDT by New Jersey Realist (America: home of the free because of the brave)
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To: grania

What many people don’t realize is that - if we had that type of system, where insurance was for catastrophic circumstances, and they paid *normal* care out-of-pocket - they’d end up paying much, much less over time.

We should also be able to get BIDS on healthcare. It absolutely amazes me that hospitals and doctors won’t quote you what they think an operation is going to cost. I understand that complications could increase the price, but in many cases, a hospital won’t tell you a thing about the cost ahead of time for the procedure if there are no complications. That’s BS.


16 posted on 10/05/2013 7:27:41 AM PDT by bolobaby
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To: bolobaby

My experience has been that prices go down when I ask for the cash price, no insurance involved. I have seen reductions as great as 30%.


17 posted on 10/05/2013 7:35:32 AM PDT by trubolotta
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To: fedupjohn

bkmk


18 posted on 10/05/2013 7:51:29 AM PDT by Irenic (The pencil sharpener and Elmer's glue is put away-- we've lost the red wheel barrow)
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To: bolobaby
we should also be able to get bids...

I don't have dental insurance. I get bids and I get choices for therapies. When I agree to a price, there's always something you sign that says there could be unexpected expenses. When that does happen, they aren't extravagent and they're explained.

The other thing is kind of funny. I don't use pharmaceuticals, and when I refuse them they always think it's the expense. So they give me killer mouthwashes and pain killers for free or nearly free. I guess they're trying to get me hooked on narcotics.

My painkiller of choice....cheap blackberry brandy. Drink enough of that stuff, and you won't know whether you had pain or not.

19 posted on 10/05/2013 8:03:40 AM PDT by grania
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To: fedupjohn

6 PM Saturday and still no response for Mr. Congressman!


20 posted on 10/05/2013 3:16:47 PM PDT by fedupjohn (America...Designed by Geniuses...Now inhabited by Idiots..Palin 2016...)
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To: fedupjohn
My lastest Facebook post on the subject

Apparently, Congressman Frank Pallone Jr. doesn't have the balls to answer a Constituents information about the shitfull Obamacare legislation he is willing to keep the US Government shut down for. Got the balls A*hole answer my email.

21 posted on 10/05/2013 4:49:48 PM PDT by fedupjohn (America...Designed by Geniuses...Now inhabited by Idiots..Palin 2016...)
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To: fedupjohn
Lastest update:

Facebook does not like me anymore.

I can log in on desktop not mobile.

I must be doin' something right. LoL

22 posted on 10/06/2013 10:22:19 AM PDT by fedupjohn (America...Designed by Geniuses...Now inhabited by Idiots..Palin 2016...)
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