Tigers X - Number one Source to Talk Auburn Tigers Sports
The Library => The SGA => Topic started by: AUTailgatingRules on October 07, 2013, 05:16:59 PM
-
I KNEW IT WAS COMING AND I'M STILL PISSED OFF BEYONG BELIEF. BECAUSE THIS PIECE OF SHIT LIBERAL COUNTRY WE LIVE IN, AND THE DESIRE TO GIVE EVERYTHING UNDER THE SUN TO THE LOW LIFES THAT REFUSE TO WORK FOR THINGS THEMSELVES, MY HEALTH INSURANCE JUST WENT UP BY A WHOPPING $313/MONTH WHICH IS A 49% INCREASE. (FROM $644/MONTH TO $957/MONTH)
MY DEDUCTIBLES ARE HIGHER ON THIS NEW PLAN
MY PRESCRIPTION DRUG CO-PAY IS DOUBLE UNDER THI NEW PLAN
MY MAX FAMILY OUT OF POCKET HAS DOUBLED UNDER THIS NEW PLAN
MY COPAYS HAVE GONE UP BY 50% UNDER THIS NEW PLAN
THESE FUCKERS SHOULD BE PUT IN JAIL FOR WHAT THEY ARE DOING TO THIS COUNTRY.
-
Mine went up as well. I thought if I liked my coverage nothing would change???
Bullshit. Can't wait to see the hike next year after they've seem a year of it. But it's all good brother, the low lifes are getting their subsidies and that's what matters right?
-
Mine stayed about the same...teacher plan though.
-
Mine stayed about the same...teacher plan though.
We are on my wife's insurance plan because PEEHIP is so much better than what we offer here at work. Ours also stayed about the same. Here at work, the cheapest Family and Individual coverage wasn't up to snuff with the new law so they don't offer those packages anymore. Everyone saw the same thing that AUTR is seeing with his.
I just love big government, don't the rest of you?
-
Premiums stayed the same, my deductible tripled.
-
Premiums stayed the same, my deductible tripled.
Who is your insurance with?
-
Follow the money. Obamacare is a give away to the insurance companies and hospitals. Who benefits from higher premiums and co-pays? The insurers and hospitals. Only through the income tax penalty will the government redistribute wealth, and that is mainly for illegals who don't pay for health care. Both sides of the aisle want the illegals here, but the people/taxpayers do not. When was the last time congress and/or the prez actually passed/signed legislation that benefited the populous?
-
Premiums stayed the same, my deductible tripled.
then your cost still went up if you get sick. Tripled. Damn dude. Sorry.
-
Follow the money. Obamacare is a give away to the insurance companies and hospitals. Who benefits from higher premiums and co-pays? The insurers and hospitals. Only through the income tax penalty will the government redistribute wealth, and that is mainly for illegals who don't pay for health care. Both sides of the aisle want the illegals here, but the people/taxpayers do not. When was the last time congress and/or the prez actually passed/signed legislation that benefited the populous?
This couldn't be further from reality.
-
This couldn't be further from reality.
Agree. I hardly think Obama gives a flying turd about making the corporations and insurance companies he hates so much, richer. That would be the trick of the century if true.
It's pretty obvious that its a social justice/playing off emotion thing which his base loves.
-
Agree. I hardly think Obama gives a flying turd about making the corporations and insurance companies he hates so much, richer. That would be the trick of the century if true.
It's pretty obvious that its a social justice/playing off emotion thing which his base loves.
While I'm not going to go tinfoil hat like BF, I do have to point out that the rich have gotten richer and the poor have gotten poorer since Obama took office. For as much as people like to call him a socialist, his tenure as president has been wonderful for corporations.
It wouldn't surprise me if there are particular insurance companies that are going to benefit tremendously from this legislation.
-
While I'm not going to go tinfoil hat like BF, I do have to point out that the rich have gotten richer and the poor have gotten poorer since Obama took office. For as much as people like to call him a socialist, his tenure as president has been wonderful for corporations.
It wouldn't surprise me if there are particular insurance companies that are going to benefit tremendously from this legislation.
There is no legislation that doesn't benefit corporations. Name on piece in the last 40 years that actually benefited the populous.
-
There is no legislation that doesn't benefit corporations. Name on piece in the last 40 years that actually benefited the populous.
Well, that may be true. I don't really know.
But I do believe that strong corporations lead to the possibility of a higher standard of living.
-
Well, that may be true. I don't really know.
But I do believe that strong corporations lead to the possibility of a higher standard of living.
Fascist pig!
-
I work for a health insurance company.
Granted, it's medicare, so our copays especially won't fluctuate much.
CMS, which is the government agency that regulates and funds us, is giving us less money because of the Affordable Care Act. We're passing that cost on to the Providers (hospitals & doctors). Some insurance companies aren't and are either raising their costs, or absorbing them and scaling back.
So in short, my insurance is the same, with the only difference being an option to opt into Obamacare if I want.
And the tinfoil shit about Insurance companies making out like bandits because of Obamacare is, like I said, as far from the truth as you can get.
-
A lawyer that works for an insurance company. There has to be a good joke in there somewhere...
-
Thank god Obamacare doesn't fuck with mine(at least for now). Its only a matter of time before he goes after veterans benefits.
-
A lawyer that works for an insurance company. There has to be a good joke in there somewhere...
You have me confused.
What, do we all look the same to you?!?
-
You have me confused.
What, do we all look the same to you?!?
I don't remember you being that brown.
-
I don't remember you being that brown.
They are all brown. Just the shape of the pile is different.
-
As state- and federal-run health insurance exchanges debuted across the country offering a range of prices for different tiers of insurance coverage, the new online marketplaces -- which represent the centerpiece of Obamacare -- could greatly benefit more than 40 million Americans who now lack coverage. But an additional 16 million -- who buy individual health insurance policies on the open market -- are finding out that their plans may not comply with the new law, which requires 10 essential benefits such as maternity care, mental health care and prescription drug coverage.
http://www.mercurynews.com/nation-world/ci_24248486/obamacares-winners-and-losers-bay-area (http://www.mercurynews.com/nation-world/ci_24248486/obamacares-winners-and-losers-bay-area)
-
I work for a health insurance company.
Granted, it's medicare, so our copays especially won't fluctuate much.
CMS, which is the government agency that regulates and funds us, is giving us less money because of the Affordable Care Act. We're passing that cost on to the Providers (hospitals & doctors). Some insurance companies aren't and are either raising their costs, or absorbing them and scaling back.
So in short, my insurance is the same, with the only difference being an option to opt into Obamacare if I want.
And the tinfoil shit about Insurance companies making out like bandits because of Obamacare is, like I said, as far from the truth as you can get.
I would say the opposite. I would say that eventually this will destroy private healthcare providers. Private insurance is going to need to revamp policies in order to stay complaint and this will cost their prices to go up to a point that the exchange will be cheaper even though it is super shitty insurance. Or at least that is what I see happening.
-
I would say the opposite. I would say that eventually this will destroy private healthcare providers. Private insurance is going to need to revamp policies in order to stay complaint and this will cost their prices to go up to a point that the exchange will be cheaper even though it is super shitty insurance. Or at least that is what I see happening.
Uh. That was the plan all along...
-
Uh. That was the plan all along...
#Ding-Ding-Ding-winner-winner-Chicken-Dinner! #winning
-
Who is your insurance with?
BCBS Alabama, but really my company self insures. Blue Cross just underwrites and negotiates payments, all the money comes from Boeing (maybe that's how all companies do it, IDK). My family major medical deductible went from $300 per member with a max of $600 total to $400 per member with a max of $1200.
So I guess it doubled not tripled, still sucks. With three kids I have not had a year where I have failed to max out the deductible, and then after that it is 10% of costs.
-
Uh. That was the plan all along...
Nuh uh, it's so the insurance companies and corporations can get super rich.
#Ding-Ding-Ding-winner-winner-Chicken-Dinner! #winning
Way to not totally contradict yourself.
-
Nuh uh, it's so the insurance companies and corporations can get super rich.
Way to not totally contradict yourself.
I'm too broadminded. It's a no-brainer to know that there is more than one agenda and purpose behind every fucking shitty piece of legislation those wannabes in DC draft. I'll contradict my self in the War Eagle forum all by myself.
:haha:
-
I stole this.
I wanted to let you know that earlier today I received my "Obamacare enrollment packet†from the White House
It contained:
An aspirin and a band-aid.
An 'Obama Hope & Change' bumper sticker
A 'Bush's Fault' yard sign
A 'Blame Republicans first, then anybody and everybody' poster
A 'Tax the Rich' banner
An application for unemployment and a free cellphone
An application for food stamps
A prayer rug
A letter assigning my debt to my grandchildren
And lastly, a coupon for a machine that blows smoke up my ass.
Everything was made in "China" and all directions were in Spanish.
Keep an eye out. Yours should be arriving soon.
As much as I hate Bush, I believe I do miss the motherfucker.
(http://www.ihatethemedia.com/wp-content/uploads/bush-miss-me-yet.jpg)
-
BCBS Alabama, but really my company self insures. Blue Cross just underwrites and negotiates payments, all the money comes from Boeing (maybe that's how all companies do it, IDK). My family major medical deductible went from $300 per member with a max of $600 total to $400 per member with a max of $1200.
So I guess it doubled not tripled, still sucks. With three kids I have not had a year where I have failed to max out the deductible, and then after that it is 10% of costs.
The municipality that I work for is self insured as well. Same deal with BCBS. My premium didn't change, but now I have to pay a co-pay for things like MRIs, and various other diagnostic-type stuff that I used to get for free. Deductible went up some as well.
I agree with others in this thread. The plan was never to try to make the insurance companies rich. Quite the opposite. It was meant to break them. It was meant to make premiums and other benefits go up to the point that you can't afford it anymore, and you have to get an Obamacare plan. Which won't give you nearly the coverage that you used to have.
-
The municipality that I work for is self insured as well. Same deal with BCBS. My premium didn't change, but now I have to pay a co-pay for things like MRIs, and various other diagnostic-type stuff that I used to get for free. Deductible went up some as well.
I agree with others in this thread. The plan was never to try to make the insurance companies rich. Quite the opposite. It was meant to break them. It was meant to make premiums and other benefits go up to the point that you can't afford it anymore, and you have to get an Obamacare plan. Which won't give you nearly the coverage that you used to have.
Now now.
That's just that elitist attitude of yours showing through.
-
As many if you know, my grandmother just passed away. She spent 7 days at UAB in hospice.
Well, we just got the bill. Around 60K.
We'll since obummercare kicked in, the law for Medicare changed in 2012 so that now:
Since she died and was on Medicare, Medicare dies not want to pay. So they billed her estate and have put a lien on her house.
This legislation will end up causing a civil war.
If your folks are old, start moving assets now!
BTW. This is not just her. My other grandmother died a couple of months ago, but she was at home. Well, we just got a $4000 bill for hospice coming by the house the last month of her life.
-
BTW. This is not just her. My other grandmother died a couple of months ago, but she was at home. Well, we just got a $4000 bill for hospice coming by the house the last month of her life.
Hospice is paid via flat fee of around $36000 per person. Anything over that has to be paid another way.
-
If your folks are old, start moving assets now!
This.
-
We'll since obummercare kicked in, the law for Medicare changed in 2012 so that now:
Since she died and was on Medicare, Medicare dies not want to pay. So they billed her estate and have put a lien on her house.
What is the change for Medicare? I understand they are not paying, but I didn't know what their reason is.
If your folks are old, start moving assets now!
If they plan on using Medicaid, then you'll want to make sure they transfer the assets early enough so that it doesn't interfere with their eligibility.
Also, you may not necessarily have to transfer assets completely (unless you're trying to make someone eligible for Medicaid). All you'd really need to do is prevent assets from going into an estate where they could be reached by creditors. If a house is jointly titled in a parent's and child's name so that there is a right of survivorship for the child, then the house automatically goes to the child upon the death of the parent. Because it was jointly titled, it does not go into the decedent's estate. Same with vehicles, bank accounts, etc.
-
Got word yesterday my bcbs plan premium is going up 20% for next year. No idea if deductibles will go up but they did say copays will now be charged for many things that did not have one before.
"If you like your plan you can keep it. Nothing will change."
"Insurance premiums will go down an average of 2500 per year."
-
Every day, I keep hearing more and more horror stories. Premium went up $300.00/month....went up 20%....got a bill and lien on the estate for $60K....
Unfortunately, the only problem I see any focus on is that the website for ObamaCare is F'd up.
-
Mine went up $390 month. Thanks Obama! You are da man!
-
Anecdotal story:
Lady from back home, Type II Diabetes, unable to get anybody to insure her, thank God that Obama has come to the rescue. Called Obamacare help line, told her that her insurance premiums would be $600 a month and would cap at $14000 a year of coverage. She said she couldn't afford that, was told that her penalty would be $4000 a year for not having insurance.
So luckily the government came to her aid. Instead of not being able to get coverage because of pre-existing conditions she can now not be able to afford coverage and get penalized for it. USA! USA!
-
Anecdotal story:
Lady from back home, Type II Diabetes, unable to get anybody to insure her, thank God that Obama has come to the rescue. Called Obamacare help line, told her that her insurance premiums would be $600 a month and would cap at $14000 a year of coverage. She said she couldn't afford that, was told that her penalty would be $4000 a year for not having insurance.
So luckily the government came to her aid. Instead of not being able to get coverage because of pre-existing conditions she can now not be able to afford coverage and get penalized for it. USA! USA!
http://www.youtube.com/watch?v=MGQaH3-LK54#ws (http://www.youtube.com/watch?v=MGQaH3-LK54#ws)
-
Anecdotal story:
Lady from back home, Type II Diabetes, unable to get anybody to insure her, thank God that Obama has come to the rescue. Called Obamacare help line, told her that her insurance premiums would be $600 a month and would cap at $14000 a year of coverage. She said she couldn't afford that, was told that her penalty would be $4000 a year for not having insurance.
So luckily the government came to her aid. Instead of not being able to get coverage because of pre-existing conditions she can now not be able to afford coverage and get penalized for it. USA! USA!
This is what I'm talking about. How long before the people revolt? Will they revolt against this crap?
Suddenly, John Doe is strapped with an additional $350.00/month payment. Not in the budget for the Doe family. The Doe's were planning a trip to the mountains next month but now, it's not such a good idea. In the coming weeks, there are several times when they decide to forego their usual dinner out at La Parilla or Longhorn's. They also think they'd better start looking closer at the prices when grocery shopping at teh Publix. The ribeye steaks they grill out most every Friday night will now instead be cheeseburgers.
Poor, pitiful Doe family? Nope. No waaambulance needed. Just lacing em' up a little tighter and making adjustments. But wait....now multiply the Doe family by a few million. That many less trips taken. That many fewer nights out at a restaurant. Overall household spending is now cut by a few skwazillion every month. Less spending means more and more businesses have to close their doors. Less spending means....well, no need to analyze it any further. Too much simple logic can warp one's mind.
-
This.
Explain in detail please.
-
Explain in detail please.
We started moving things out of the Warden's estate 15 years ago and literally just finished getting that done this year. The tax liability alone was enough to choke Linda Lovelace.
-
We started moving things out of the Warden's estate 15 years ago and literally just finished getting that done this year. The tax liability alone was enough to choke Linda Lovelace.
Hope you're not talking about gift taxes. Unless the Warden anticipates having a large estate and wants to avoid estate taxes, the annual gift exclusion and lifetime gift exclusion amounts could have been used to avoid gift taxes on transfers of property made during their lifetime.
-
Hope you're not talking about gift taxes. Unless the Warden anticipates having a large estate and wants to avoid estate taxes, the annual gift exclusion and lifetime gift exclusion amounts could have been used to avoid gift taxes on transfers of property made during their lifetime.
Gawd, I get so hot when you talk like that.
-
Gawd, I get so hot when you talk like that.
Just wait until I start talking about adjusting your basis.
-
I was being mostly serious. My dad is mid 70s. Mom about to be 70. Pretty sure they have no life insurance. Probably no will. Lots of land and money though.
No estate planning that I'm aware of. He's one of those do-it-yourself people. Doesn't trust others to manage that kind of thing.
Is there something I should know? Something I should be telling him?
-
I was being mostly serious. My dad is mid 70s. Mom about to be 70. Pretty sure they have no life insurance. Probably no will. Lots of land and money though.
No estate planning that I'm aware of. He's one of those do-it-yourself people. Doesn't trust others to manage that kind of thing.
Is there something I should know? Something I should be telling him?
Tell him that unless he sells it to you soon that when he dies you are going to be forced to sell it off to pay the taxes of 50% of the value of the property.
At least that's what happened to some land that was in my wife's family.
-
Tell him that unless he sells it to you soon that when he dies you are going to be forced to sell it off to pay the taxes of 50% of the value of the property.
At least that's what happened to some land that was in my wife's family.
I think there is like a five year window. If you have transferred everything into someone else's name over five years ago, then the goverment cannot come after it if you get sick. Any time before the five years and the gubment takes your assets to pay the bills.
-
Hope you're not talking about gift taxes. Unless the Warden anticipates having a large estate and wants to avoid estate taxes, the annual gift exclusion and lifetime gift exclusion amounts could have been used to avoid gift taxes on transfers of property made during their lifetime.
That's what we have been doing. Have been on pins and needles the last 5 or 6 years thinking those nitwits in Washington were going to lower the lifetime gift amounts before we could finish getting it all out of his name. He literally has his house and truck in his name. That's it.
All other land, vehicles, and holdings have been gifted into a partnership.
-
I think there is like a five year window. If you have transferred everything into someone else's name over five years ago, then the goverment cannot come after it if you get sick. Any time before the five years and the gubment takes your assets to pay the bills.
Unless there's been a change that I'm not aware of, I believe you're thinking about the rules for Medicaid eligibility. In order to be eligible for Medicaid, you are not allowed to transfer significant assets for five years prior to your Medicaid application. Otherwise, they will act as if you still own the asset and require that you continue to "spend down" an amount equal to the FMV of that asset before becoming eligible. Similarly, if you are accepted for Medicaid and it is later determined that you transferred assets within that five year window, then they could seize those assets if there are any unpaid medical bills, or if the government demands repayment for the medical bills it covered while you were inappropriately receiving Medicaid.
If you're terminally ill or otherwise racking up medical bills and you suddenly start transferring assets, and shortly thereafter you die, then maybe creditors could take the estate to court and assert that those transfers were a fraudulent attempt to avoid paying bills, but I don't think there's a federal law out there that specifically gives the government a five year window to look back and automatically seize assets that were transferred.