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View Diary: Nefarious letters about PPACA (22 comments)

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  •  Read the article (5+ / 0-)

    The companies are targeting people who already buy individual or small business plans - and yes, ACA is for them, too, big time. I have scores of writer/artist/designer friends who are itching to get on the exchange and see if they can do better than the current crapfest they have to suffer (and I'm one of them)!

    The insurers are within the law to offer another year on the current plan at whatever rate they choose - and they use fear to sell it, no doubt.

    That same plan will probably be on the exchange for a fraction of what the company offers in the letter for a "special" deal.

    It's just like the CC company scam.

    •  Where did you learn that it's (1+ / 0-)
      Recommended by:
      Avilyn
      within the law to offer another year on the current plan at whatever rate they choose?
      The law was passed in 2010 to be fully operational beginning 1/1/14. In order for the law to be successful, it needs as many people as possible to enroll now. It doesn't make sense that they would allow people to postpone it. Also, I can understand people who get insurance through their employer not paying particular attention to premiums and coverage. But those who have been paying through the nose for individual policies certainly know about the exchanges. I don't get it.
      •  This is a true, technically legal, scam. (3+ / 0-)
        Recommended by:
        worldlotus, Theodore J Pickle, Avilyn

        They can renew a policy early that takes effect before Jan 1. That puts the policy in force for another year. The law affects policies that start on or after January 1.

        So, for instance, my insurance renews every year on Jan 1. If my insurance company comes to me right now and renews my policy effective December 15, 2013-December 15, 2014, they can do that. At that point, the rate is grandfathered.

        I'd like to start a new meme: "No means no" is a misnomer. It should be "Only 'Yes' means yes." Just because someone doesn't say "No" doesn't mean they've given consent. If she didn't say "Yes", there is no consent.

        by second gen on Mon Oct 21, 2013 at 10:08:29 PM PDT

        [ Parent ]

        •  Key word: grandfathered. I have wondered how (3+ / 0-)
          Recommended by:
          second gen, HappyinNM, Avilyn

          many that seek health insurance outside of the .gov sites will be getting just these type of policies that take effect prior to 1/1/14....

          •  People tend to look for "grandfathered" because (3+ / 0-)
            Recommended by:
            Theodore J Pickle, HappyinNM, Avilyn

            they think that protects them from the evils of Obamacare. It might just prevent them from getting better rates, too.

            I'd like to start a new meme: "No means no" is a misnomer. It should be "Only 'Yes' means yes." Just because someone doesn't say "No" doesn't mean they've given consent. If she didn't say "Yes", there is no consent.

            by second gen on Mon Oct 21, 2013 at 11:05:07 PM PDT

            [ Parent ]

            •  When I went to the informational meeting for (1+ / 0-)
              Recommended by:
              Avilyn

              the exchanges, I was told that all insurances are bound by the laws established in the ACA, i.e. pre-existing conditions, caps, etc., regardless of whether they're part of the exchanges. So, I guess we're just talking cost. I don't do Twitter or FB, but for those who do it would be really good for them to counter the BS coming from the RW re: cost of premiums.

              •  Yes, they're all bound by them. Any policy that (3+ / 0-)
                Recommended by:
                HappyinNM, Avilyn, worldlotus

                takes effect on or after Jan 1 will have to follow the new laws. Which means if they renew a policy NOW, the new laws won't take effect until next year.

                I'd like to start a new meme: "No means no" is a misnomer. It should be "Only 'Yes' means yes." Just because someone doesn't say "No" doesn't mean they've given consent. If she didn't say "Yes", there is no consent.

                by second gen on Tue Oct 22, 2013 at 07:34:23 AM PDT

                [ Parent ]

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