my insurance plan is closing up on DEC 31 due to ACA
 

just got a letter saying they couldn't meet the ACA requirements, this was the COSTCO EXECUTIVE PLAN for wash/oregon. this plan had quite a few members, had the same plan for 12 years.

oh well, at least preexisting conditions won't be considered by a new plan and should be able to find a plan that includes my GP. might even qualify for expanded medicaid, go figure.

but i assume this is affecting millions of self insured people and doctors offices are going to be very crowded as these people go in for procedures, physicals, etc. that they were putting off. just an assumption. Not to mention those who will now get insurance who couldn't afford it. I believe in the ACA, kind of surprised that my plan folded, was a pretty good plan.

I believe most, if not all, health plans in the country were canceled. This was not because they folded but because the all needed to be changed in order to meet the ACA guidelines. it was more of a legal technicality. BC/BS sent out cancelations to everyone, including me. Most insurers will be offering you the same basic plan you had, modified to meet ACA requirements, under a new name. So don't worry about that. What you may want to worry about is the new price, which may be much higher. BC/BS is putting me into their new and iACA improved plan along with an unbelievable 30% price increase!

who is ACA benefitting?
 

I listened to an HR employee of a large firm talking about the ACA this week on the radio. She said that the people the ACA were supposed to help were not going to be helped, and that is was going to hurt a lot of people who currently have/had insurance they were happy with....such as those with a high deductible plan, most of those policies have been cancelled.

So who is the ACA really going to help, according to her (and she's in HR, so knows more than me by far)....

Surprise, surprise, surprise: drug companies. And, to a lesser extent: insurance companies.

f your state has expanded medicaid then
ACA will help a tremendous number of people, if not then it won't help alot of low income people who make too much to qualify for regular medicaid and can't get subsidies,
the goal is to eventually provide "wellcare" to keep us healthy, not sick care. and to not have us locked into an employer forever to just get healthcare.
it's certainly a work in process that noone iif given a clean slate to design a system would design.
but when the supreme court ruled the expanded medicaid option was optional which many states have declined it, that severely cut back on the number of working poor who could qualify.
ACA has a lot of great things about it, just crazy they didn't just let the medicare system run it, that is still all private insco's supervised by the govt.

but the fact that may have to find a new doc is ridiculous, seen the same one for 30 years and having to transfer all my medical records.

drug and medical instrument companies are paying higher taxes too as a result of ACA but supported it cuz they will get more patients, no doubt about that. hopefully they won't raise their prices too much as a result. yea right.

but lots of preventive and home care after hospitalization will be covered, a work in process.

I will make a token effort to explain....
 

....but will then save my breath. We are sheep surrounded by wolves. That is not simply a metaphor. The labels are irrelevant and are simply used to distract and confuse in sixty second sound bytes. Repub, Dem, Lib, Con. The whole of humanity boiled down into two camps. Three would be overly complex. One lacks the needed dynamic. So two it is. Us and them. The ancient formula. They plan to ride the horse until it collapses. They assume that they will see it coming and deftly step aside.

They are summarily executing mothers with babes in their arms folks. Then they give their enforcers a standing ovation on national television. What is wrong here? Does anyone think that it is really about our health care?

OK. I've said my piece and will go grumpily back to my cave and wait for Spring. And Fukyushima. Probably not covered.

notice anything about the 1800 for ACA?
 

Apparently the 1800# for the ACA is 1-800-3(F) 1 8(U)-2(C) 5(K) 9(Y) 6(O)

go to www.healthcare.gov to see for yourself

It does make one wonder.

PART 2 of ACA embraces complimentary medicine
 

Soccertese makes a very important point that ACA is intended to be "wellness care" .. Wouldn't it be wonderful if insurance would pay for massage, acupuncture, naturopathic and chiropractic care, and other "licensed care providers"....would then be WELLworth he 250$/month a policy would cost me in Oregon....check this OUT!

Seems to me the only way out of the health care crisis is to assist people in being more responsible for their health in this imho is the way to do it!

http://www.sciencebasedmedicine.org/...he-aca-part-2/

In the end it comes down to money - our money
 

I'm not going to give an opinion or try to proselytize anyone from their beliefs regarding the ongoing nationwide debate. However, I will state a fact.

I just got the estimated cost of my new, and improved, ACA insurance plan from Blue Cross/Blue Shield. This is basically my old plan under a new name with minor changes. Keeping in mind that I am self-employed, still work for a living, and don't qualify for Medicare or Medicaid.

The cost for my wife and I will be approximately $2,050/month. Added to that will be about $500/month for my daughter in college. That, my friends, is over $30,000 a year for a plan that still has co-pays, deductibles and uncovered drugs and procedures. Based on my medical use this year, I am anticipating that my medical costs for 2014 will be close to $40,000.

I truly hope others are going to benefit from the ACA, but from my view, I can only see my personal expenses.........

no other options??
 

BC/BS has not supported the ACA ....Tupelo have you checked out any options under the healthcare.gov website?

I know that in some states there is a real "marketplace" with consumer options. Unfortunately, for those of us in NJ, the only companies participating with the ACA market are BC/BS and two small insurers that do not have very wide doctor participation. So, we really don't have a marketplace or options. Aetna recently dropped out and said they will revisit it again in 2015.