Healthcare 2011 (this should have it's own section next year)

  1. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Healthcare 2011 (this should have it's own section next year)

    Hi gang, just got my update from HR for next year and my HMO costs, and guess what?

    To keep my SAME coverage with Harvard Pilgrim, I get to pay an additional $106.60, every two weeks, thats about a 45% increase over what I pay now.

    Please, someone tell me that this is a good thing for me?

    Wait, I know what some of the ding-dongs will say, hmmmmm.

    ??? find another emplyer, yeah that's easy these days....
    ??? find another carrier, yeah drop my coverage for my family????
    ???????? 

    Please, Obama-care supporters, tell me what is so good about this?

     
  2. You have chosen to ignore posts from schadenfreude99. Show schadenfreude99's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Call the Governor's office.  His people will work something out for you.
     
  3. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Call the Governor's office.  His people will work something out for you.
    Posted by schadenfreude99[/QUOTE]

    My final option is to quit my job and change my citizenship status to...well you know.

    Another thread right?
     
  4. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Hi gang, just got my update from HR for next year and my HMO costs, and guess what? To keep my SAME coverage with Harvard Pilgrim, I get to pay an additional $106.60, every two weeks, thats about a 45% increase over what I pay now. Please, someone tell me that this is a good thing for me? Wait, I know what some of the ding-dongs will say, hmmmmm. ??? find another emplyer, yeah that's easy these days.... ??? find another carrier, yeah drop my coverage for my family???? ????????  Please, Obama-care supporters, tell me what is so good about this?
    Posted by dazydo[/QUOTE]

    The sound of crickets.........not surprised.....
     
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  6. You have chosen to ignore posts from ForumCleaner. Show ForumCleaner's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Hi gang, just got my update from HR for next year and my HMO costs, and guess what? To keep my SAME coverage with Harvard Pilgrim, I get to pay an additional $106.60, every two weeks, thats about a 45% increase over what I pay now. Please, someone tell me that this is a good thing for me? Wait, I know what some of the ding-dongs will say, hmmmmm. ??? find another emplyer, yeah that's easy these days.... ??? find another carrier, yeah drop my coverage for my family???? ????????  Please, Obama-care supporters, tell me what is so good about this?
    Posted by dazydo[/QUOTE]

    This is why the watered down solution was a bad idea. Should have gone with single payer.
     
  7. You have chosen to ignore posts from shumirules. Show shumirules's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Dont worry if Obama gets a second term it will all be free, and you will also get a new puppy for the kids.

    Not to mention in 2013 Obama Care is going to cure cancer, but only if we re-elect the chosen one.

    Yep folks I can't wait to get me some Obamacare.
     
  8. You have chosen to ignore posts from hawkeye01. Show hawkeye01's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Hi gang, just got my update from HR for next year and my HMO costs, and guess what? To keep my SAME coverage with Harvard Pilgrim, I get to pay an additional $106.60, every two weeks, thats about a 45% increase over what I pay now. Please, someone tell me that this is a good thing for me? Wait, I know what some of the ding-dongs will say, hmmmmm. ??? find another emplyer, yeah that's easy these days.... ??? find another carrier, yeah drop my coverage for my family???? ????????  Please, Obama-care supporters, tell me what is so good about this?
    Posted by dazydo[/QUOTE]

    Why did your company lower what they contribute? How many employees are at your company?
     
  9. You have chosen to ignore posts from Mattyhorn. Show Mattyhorn's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Maybe you should talk to Charlie Baker, since he says he's done such an outstanding job while chief over there...

    But your premium increases have nothing to do with the HCR act. 

    If it makes you feel any better, my company's health insurance premiums will not increase for the third straight year.
     
  10. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]In Response to Healthcare 2011 (this should have it's own section next year) : Why did your company lower what they contribute? How many employees are at your company?
    Posted by hawkeye01[/QUOTE]

    Not sure why they changed their contribution amounts, we have been getting updates from HR telling us that they will be offering us "competitive" health insurance options.  There are 12,000 employees in my company in the US, Canada, Hong Kong, Japan.  So it's not like we're a small operator changing gears, we have six options for HC, plus flexible spending accounts, etc.


    We have had modest increases over the years, just as every other company that offers HC options, but never this severe. 


    My thoughts are that the company is going to use the HC reform for their own benfit, partially, but I find it hard to believe that my company is the sole driving force to this increase.  I'm sure Harvard Pilfgrim is squeezing it's larger companies for every penny, again using HC reform act as the scape-goat.


    I crunched the numbers, and the other options aren't much better, plus I happen to like Harvard Pilgrim, and the plan that I have.


    Personally, I think it's part my company, and part HPHC, protecting themselves for the future, and positioning themselves at my expense.


    Wait a minute, didn't we have a thread about this a while back?  HMMMMMM.

     
  11. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Maybe you should talk to Charlie Baker, since he says he's done such an outstanding job while chief over there... But your premium increases have nothing to do with the HCR act.  If it makes you feel any better, my company's health insurance premiums will not increase for the third straight year.
    Posted by Mattyhorn[/QUOTE]

    Thanks Matty, what a stupid response, as expected.  And I notice that you just make a blank statement without any facts to back it up, again, as expected.

    This has nothing to do with Charlie Baker, and everything to do with HC reform.

    Thanks for letting everyone know that your HC premiums won't be increasing next year, that just makes you a liar too! 
     
  12. You have chosen to ignore posts from DirtyWaterLover. Show DirtyWaterLover's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Sorry Dazydo - it really has nothing to do with Obama care. 

    I believe there was only 1 impact of Obamacare this year - no more lifetime maximums.  That would have increase rates a little.

    I can't think of another aspect of Obamacare that would have caused your rates to go up. 

    Can you?
     
  13. You have chosen to ignore posts from hawkeye01. Show hawkeye01's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Maybe you should talk to Charlie Baker, since he says he's done such an outstanding job while chief over there...

    But your premium increases have nothing to do with the HCR act. 

    If it makes you feel any better, my company's health insurance premiums will not increase for the third straight year.


    They also aren't solely due to HPHC increase. There is no way in hell a company of 12,000 got a 45% increase. I would be shocked if HPHC gave anything over a 15% increase. This huge increase to the employees is predominating due to the company changing their contribution policy on top of whatever increase HPHC gave.
    A company of this size is experience rated when it comes to underwriting. Groups of this size don't have big swings with increases. Ten years of being an underwriter tells me that.
     
  14. You have chosen to ignore posts from hawkeye01. Show hawkeye01's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Sorry Dazydo - it really has nothing to do with Obama care.  I believe there was only 1 impact of Obamacare this year - no more lifetime maximums.  That would have increase rates a little.I can't think of another aspect of Obamacare that would have caused your rates to go up.  Can you?
    Posted by DirtyWaterLover[/QUOTE]

    Not on an employer group of 12,000. A group this size would be experience rated.
     
  15. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Maybe you should talk to Charlie Baker, since he says he's done such an outstanding job while chief over there... But your premium increases have nothing to do with the HCR act.   If it makes you feel any better, my company's health insurance premiums will not increase for the third straight year. They also aren't solely due to HPHC increase. There is no way in hell a company of 12,000 got a 45% increase. I would be shocked if HPHC gave anything over a 15% increase. This huge increase to the employees is predominating due to the company changing their contribution policy on top of whatever increase HPHC gave. A company of this size is experience rated when it comes to underwriting. Groups of this size don't have big swings with increases. Ten years of being an underwriter tells me that.
    Posted by hawkeye01[/QUOTE]

    That's why I wrote:

    "Personally, I think it's part my company, and part HPHC, protecting themselves for the future, and positioning themselves at my expense."

    My company has had a new management team, poor sales, and declining profits over the last four years.  We are on the mend, and  I know that part of it is my company using HC reform as a crutch to change their contribution levels.  There is no other way to explain such an increase.

    But my other point is, what are my options other than suck-it-up and pay the increase.  My department has been down-sized by 67% over the last three years, 78 people down to 26 people, and I'm one of the survivors.  I'm 51 years old, two kids in college, and 13 years with this company.  

    Tell me thare aren't 100 more people in my shoes, and we're going to take the hit "indirectly" over the next few years.  It is just like was predicted, large private companies will use this as a way to decrease contribution levels to help their bottom line.

    At 9.6% unemployment, 17% adjusted according to the press, I'm fricken' lucky to still have my job and benefits!

    So by fact, this increase is not "directly" caused by HC reform, but if it wasn't for the HC reform act, would I still be getting this large of an increase? 
     
  16. You have chosen to ignore posts from tb032004. Show tb032004's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Welcome to your future.....




    Nurse caught on CCTV turning off paralysed patient's life support machine

    A paralysed patient has been left severely brain damaged after a nurse switched off his life support machine in an incident captured on CCTV.

    Violeta Aylward, an agency nurse working for the NHS, was caught on camera turning off the ventilator keeping quadriplegic Jamie Merrett alive.

    The 37-year-old, left paralysed from the neck down following a car accident in 2002, had a bedside camera set up at his home after becoming concerned about the standard of care he was receiving.

    Footage recorded only a few days after it was installed shows Miss Aylward fiddling with the ventilator before a high-pitched warning tone sounds, indicating it is switched off.

    Mr Merrett is then left fighting for life as the nurse panics about what to do next, unable to restart the ventilator or properly operate resuscitation equipment.

    It was not until 21 minutes later that paramedics who rushed to the scene managed to turn the life support machine back on.

    But by that time, Mr Merrett had suffered serious brain damage, which has left him with the mental capacity of a young child.

    Before the incident, he was able to talk, use a wheelchair and operate a computer using voice-activated technology.

    His family claims that the brain damage has severely diminished his quality of life, and he is now mounting legal action.

    Miss Aylward, who was caring for Mr Merrett at his home in Devizes, Wilts, has been suspended while the incident is investigated by the Nursing and Midwifery Council.

    Ambition 24hours, the agency which supplied her, said it could not comment as an internal investigation was ongoing.

    The NHS Wiltshire Primary Care Trust, which was responsible for providing care for Mr Merrett, said it was unable to comment due to pending legal action.

    Karren Reynolds, Mr Merrett’s sister, told the BBC’s Inside Out programme: "His life is completely changed. He doesn't have a life now.

    "He has an existence but it's nowhere near what it was before. He is very brain damaged compared to what he was before.

    “He was a highly intelligent man and you could have long in-depth conversations with him and now it tends to be more simplistic."

    She added that her brother has become increasingly worried about alleged errors involving nurses operating his ventilator in the weeks before the incident.

    Mr Merrett had written to the trust by email, warning of his concerns but that nothing was done, she claimed.

    A confidential report by Wiltshire social services into the incident – leaked to Inside Out – concluded that the agency was fully aware it was required to supply a nurse with training in the use of a ventilator.

    The report says the company did not have adequate systems in place to check what training their staff had received.

    Mr Merrett’s solicitor, Seamus Edney, said: “In my experience, this is the worst case of negligence.

    "No one has come forward to make any admission, so now almost two years after the event we are trying to get someone to admit liability for what has happened."

    In a statement, NHS Wiltshire Primary Care Trust said: "The PCT has investigated the incident in January 2009 when the patient’s ventilator care was compromised.

    "We have apologised to the patient and his family for this, and have put in place a series of actions to ensure that such an event will not occur again either for this patient or others.

    "The incident is the subject of likely litigation so the PCT is restricted in what further it may say in public."

    Miss Aylward, 55, from Reading, Berks, has not commented on the case.









    http://www.telegraph.co.uk/health/healthnews/8084841/Nurse-caught-on-CCTV-turning-off-paralysed-patients-life-support-machine.html

     
  17. You have chosen to ignore posts from tb032004. Show tb032004's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    To be fair......


    That's what you get for hiring the people working at the RMV to care for your loved ones.

     
  18. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]Sorry Dazydo - it really has nothing to do with Obama care.  I believe there was only 1 impact of Obamacare this year - no more lifetime maximums.  That would have increase rates a little. I can't think of another aspect of Obamacare that would have caused your rates to go up.  Can you?
    Posted by DirtyWaterLover[/QUOTE]

    That's right, you are the expert here, especially on Obama-care, this has nothing to do with any increases, yup, you're right.

    Healthcare is actually going to cost less!  Don't you remember, and you get to keeep your same coverage!

    Yup, HC reform has nothing at all to do with this, oh wait, except my company is using it to leverage it's employees.  Granted, a crappy thing for a company to do, but they are using this to change thier contribution percentages.

    Go ahead, tell me to find another company to work for, you can say that.  But my argument is still:  if it weren't for HC refrom act, my company would not be doing this, period.

    I'm going to Washington with this.....just wait and see.........
     
  19. You have chosen to ignore posts from dazydo. Show dazydo's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    Love to hear from all of you, I guess this hasn't hit home to anyone else?
     
  20. You have chosen to ignore posts from DamainAllen. Show DamainAllen's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    My copays have increased from 20 to 25 dollars, and there were some changes to Flex Spending that no longer cover certain over the counter purchases.  I haven't done the math on my plan costs but it appears that it has increased by less than 10% probably in the 5 to 7 % range. 
     
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  23. You have chosen to ignore posts from DirtyWaterLover. Show DirtyWaterLover's posts

    Re: Healthcare 2011 (this should have it's own section next year)

    In Response to Re: Healthcare 2011 (this should have it's own section next year):
    [QUOTE]In Response to Re: Healthcare 2011 (this should have it's own section next year) : That's right, you are the expert here, especially on Obama-care, this has nothing to do with any increases, yup, you're right. Healthcare is actually going to cost less!  Don't you remember, and you get to keeep your same coverage! Yup, HC reform has nothing at all to do with this, oh wait, except my company is using it to leverage it's employees.  Granted, a crappy thing for a company to do, but they are using this to change thier contribution percentages. Go ahead, tell me to find another company to work for, you can say that.  But my argument is still:  if it weren't for HC refrom act, my company would not be doing this, period. I'm going to Washington with this.....just wait and see.........
    Posted by dazydo[/QUOTE]

    Thanks for pointing out the specifics of why your HC costs are increasing by so much.

    No, I'm not a expert on health care.  But my girlfriend is director of HR for her company and she told me that the only impact from Obamacare is the slight increase to cover the ending of life time maximums.

    There was one area that got impacted pretty hard - it had to do with coverage for part timers.  The reg was pretty stringent and would increase the cost of the coverage and many companies were going to drop coverage for the part timers and force them to get coverage from the pooled policy (as opposed to the Government run plan).  The problem was, the pooled plan hasn't bee created yet.

    6,800 people - that probably means you're employer is self-insured.  The only amount going to the insurance company is a small fee to cover the costs of processing claims.  If your company increased the HC costs by too much, they'll have to lower it next year.


     
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