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I just found out today that my insurance plan (also covers my whole family) will be cancelled effective 4/1/14.  The reason is unimportant, the point is that this apparently is required by the Affordable Health Care Act.  (P.S., it costs $1,900 per month, so it's not one of those cheapo deals).  Now, I live in Oregon, where we have the spectacular failure called "Cover Oregon", which in a blue state with a governor who's an M.D. has staged the insurance equivalent of the Titanic, the Hindenburg and New Coke all rolled into one.  I don't often agree with National Review, but their observations here are dead on:

Democratic governor John Kitzhaber, himself a physician, admits he was “entirely outside the loop” on development of the $160 million website. He’s earned widespread ridicule for his lax management as he prepares to run for reelection. The Oregonain reports that some of his officials actively tried to squelch internal critics who warned the website was doomed: “The Oregon Health Authority last January withheld payment from the company hired to monitor the project, claiming its persistent criticism was inaccurate and inflammatory.” Just two months later, in March 2013, Rocky King, Cover Oregon’s executive director told the Oregonian he was constantly being asked by legislators “will it work?” His stock answer: “I haven’t the foggiest idea.” King has admitted he had very little experience in IT, so he was no doubt being truthful.
Now, fortunately I have a plan B in this case, which consists of tweaking my way through the problem that appears to be causing my insurance to be cancelled.  Meanwhile, my application to Cover Oregon, sent via fax, is still pending some 2 months after it was sent.  It's a race, I guess, between my ability to fix the problem that seems to be producing my pending cancellation of insurance, and the (apparent) inability of Cover Oregon to match me up with some insurer who wants to sell me insurance.

But take heed, Democrats.  Mrs. Peril, who has been a Democrat all her life, is pissed.  And I am too, although I've only been a Democrat for 20 years or so.  It's very upsetting to find that your family will become uninsured in less than 60 days, and that you must do something, anything, I guess, to get yourself into a new insurance plan.  When you combine this with a threat from the government to fine you 1%, later rising to 2% of your annual income if you don't get on a plan, it is absurd.

Finally, let me state, I don't appreciate being lied to, Mr. Obama.  

If you like your plan, you can keep it.
Bullshit.

UPDATE: I have done some checking and it seems the problem is that my insurance carrier has now decided that it needs to become a "multi-employer" plan.  And they interpret "multi-employer" to mean that everyone in the plan must have at least one other W-2 employee besides the plan member.  And apparently the ACA requires them to give the heave-ho to everyone who doesn't.

Poll

"If you like your plan, you can keep it".

31%27 votes
9%8 votes
17%15 votes
30%26 votes
10%9 votes

| 86 votes | Vote | Results

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Comment Preferences

  •  Tip Jar (6+ / 4-)

    You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

    by Cartoon Peril on Mon Feb 03, 2014 at 11:52:40 AM PST

  •  Uhmm (22+ / 0-)

    Yeah- it's kinda important to the story.

    I just found out today that my insurance plan (also covers my whole family) will be cancelled effective 4/1/14.  The reason is unimportant, the point is that this apparently is required by the Affordable Health Care Act.
    How do we know this is true? How do YOU know this is true?

    The tyranny of a prince in an oligarchy is not so dangerous to the public welfare as the apathy of a citizen in a democracy. -Charles de Montesquieu

    by dawgflyer13 on Mon Feb 03, 2014 at 11:56:21 AM PST

    •  Received a notice and talked with the insurer. (1+ / 0-)
      Recommended by:
      Victor Ward

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Feb 03, 2014 at 12:06:21 PM PST

      [ Parent ]

      •  Because major corporations never lie. n/t (6+ / 0-)
        •  Let me give you the quote: (3+ / 0-)
          Recommended by:
          Victor Ward, Just Bob, NonnyO
          One unfortunate aspect of the ACA is that effective with the April 2014 renewal [here's a description of a class of people which includes me] will no long be allowed to participate in the [sponsor omitted] plans.

          You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

          by Cartoon Peril on Mon Feb 03, 2014 at 12:18:26 PM PST

          [ Parent ]

          •  Corporate communications are carefully drafted. (10+ / 0-)

            Note that it doesn't say "The ACA prohibits people like you from participating in plans like this."  

            No one can say for sure, given that you choose not to disclose the details, but the likely translation is something like:  "The insurance company or the sponsor is no longer allowing people like you to participate in plans like this, but we want you to blame Obama rather than us."

          •  Which tells you nothing (7+ / 0-)

            absolutely nothing at all...

            It sounds like more corporate lies to me...  insurance companies trying to scam their policy holders and blaming it on the ACA.

            All due respect- when you have some actual facts come back and we will all be more than happy to help you.

            The tyranny of a prince in an oligarchy is not so dangerous to the public welfare as the apathy of a citizen in a democracy. -Charles de Montesquieu

            by dawgflyer13 on Mon Feb 03, 2014 at 12:55:36 PM PST

            [ Parent ]

          •  You are quoting the insurance company (4+ / 0-)
            Recommended by:
            skohayes, rtaylor352, Cartoon Peril, tb92

            The Affordable Care Act probably costs the insurance company some money when it says they can no longer make more than 20% profit on your insurance and they can't not cover you for preexisting conditions or put a cap on you and your kids are covered till after 26

            Here is a calculator that will let you see how much you save and how much better your coverage is under the affordable care act

            If you make $50,000 a year I  have no idea why you would want to continue to pay $1900 a month for your policy which is covering just you and your family

            I made some assumptions about your family
            use the calculator to correct my assumptions
            You live in Oregon and make about $50,000
            here's what you pay for a family of 5 people
            $280.42
            You and your wife are forty don't smoke and have 3 kids
            Household income in 2014:
                212% of poverty level
            Maximum % of income you have to pay for the premium, if eligible for a subsidy:
                6.73%
            Health Insurance premium in 2014 (for a silver plan, before tax credit):
                $9,243 per year
            You could receive a government tax credit subsidy of up to:
                $5,878 per year
                (which covers 64% of the overall premium)
            Amount you pay for the premium:
                $3,365 per year
                (which equals 6.73% of your household income and covers 36% of the overall premium)
            Lets say your wife also makes 50K
            Here it is at $100,000

            $770.25 a month
            Household income in 2014:
                425% of poverty level
            Maximum % of income you have to pay for the premium, if eligible for a subsidy:
                None
            Health Insurance premium in 2014 (for a silver plan, before tax credit):
                $9,243 per year
            You could receive a government tax credit subsidy of up to:
                $0 per year
                (which covers 0% of the overall premium)
            Amount you pay for the premium:
                $9,243 per year
                (which equals 9.24% of your household income and covers 100% of the overall premium)

            Lets say you and your wife make $400000
            Your payment stays the same$770.25 a month
            Household income in 2014:
                1699% of poverty level
            Maximum % of income you have to pay for the premium, if eligible for a subsidy:
                None
            Health Insurance premium in 2014 (for a silver plan, before tax credit):
                $9,243 per year
            You could receive a government tax credit subsidy of up to:
                $0 per year
                (which covers 0% of the overall premium)
            Amount you pay for the premium:
                $9,243 per year
                (which equals 2.31% of your household income and covers 100% of the overall premium)

            The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

            For example, you could enroll in a Bronze plan for about $6,929 per year (which is 1.73% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
            Out of Pocket Costs

            Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

            A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
            Other Coverage Options

            Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.

            Live Free or Die --- Investigate, Incarcerate

            by rktect on Mon Feb 03, 2014 at 04:11:48 PM PST

            [ Parent ]

          •  As the Onion would say... (0+ / 0-)

            ...."You are dumb." Or at least the corporations are hoping you are.

               Your insurance company is trying to lie to you, and is trying to rack up profits.

              If you aren't a paid troll (questionable), I suggest you follow up. And learn to be skeptical.

  •  He otherizes democrats. He isn't in with us. :) (1+ / 0-)
    Recommended by:
    Sandino
  •  I think the reason actually is (19+ / 0-)

    kind of important. Could the insurance company have altered the policy to be compliant with ACA, rather than cancelling it? They chose not to, but that is not necessarily Obama's fault. Was what it covered substantially different from what ACA requires (in which case I question the quality of the policy), or did they exploit a few minor technical differences to take the opportunity to make more money by cancelling and selling new policies?

    Sorry this is happening and inconveniencing you.

    •  Converting a system (5+ / 0-)

      of thousands of different policies that covered different things to a more comprehensive system that offers a regulated set schedule of benefits was never going to be a simple and straightforward operation. Unfortunately, it was inevitable that people whose policies did not meet the regulations in the new system were going to have to move to a different policy. (This includes my own workplace, which had to drop a third of the insurance options it offered last year.) However, in the long run, IMO the inconveniences are going to be worth it, because Americans will know that they have comprehensive coverage and there will be many fewer cases of people encountering health problems only to find out that their insurance policy didn't cover that particular injury or illness. Ultimately I think one thing we all want out of HCR is a system that ensures that people have comprehensive coverage.

      I'm sorry that you are one of those who are experiencing this kind of disruption. In retrospect it was a mistake to tell people "If you like your policy you can keep it" given that so many policies were noncompliant.

      •  Ds need to realize how upsetting this is to (6+ / 0-)

        people.  I'm not talking about some phony situation here.  The notice that I received not only tells me that I have to scramble to get new insurance, but if for some reason I fail in that scramble i risk not only bankruptcy through lack of insurance, but various tax fines.

        I don't make very much money, at least for my sized family, but I only qualify for a tax subsidy if I buy insurance through the non-functioning state insurance exchange.

        Nationally the website works better, but that website is freakin' unavailable to Oregonians, at least if you want to get a tax deduction, which was one of the main selling points of Ocare.

        You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

        by Cartoon Peril on Mon Feb 03, 2014 at 12:26:16 PM PST

        [ Parent ]

        •  "non-functioning" (6+ / 0-)

          it's slow, but its signed up a few tens of thousands of people. No need for hyperbole here.

          ...better the occasional faults of a government that lives in a spirit of charity, than the consistent omissions of a government frozen in the ice of its own indifference. -FDR, 1936

          by James Allen on Mon Feb 03, 2014 at 12:30:32 PM PST

          [ Parent ]

        •  Well (6+ / 0-)

          Oregon needs to correct the problems with its website then, which is a state level issue not a federal one. Also, I don't understand why they are just telling you now - they should have given notice back in October since the ACA enrollment period was supposed to be the fall.

          FWIW my understanding is that the fines are quite a bit less than insurance costs, but regardless, I hope you will be able to get something nailed down by April. It sounds like attending something like this might be helpful - http://www.statesmanjournal.com/...

        •  I am getting really sick of the (11+ / 0-)

          "I dont like being lied to meme..." from people that should know much better.  I think this alone lets us know exactly what the problem might be.  Very little in ACA requires companies to change anything except under extraordinarily bad situations. Yet somehow because Pres. Obama didnt throw in a bunch of disclaimers and "if the republicans dont figure out another way to crew you..." statements then he lied. The entire program is based on companies that can change their offerings. It should be clear that the "you can keep your insurance" only applies to the part the government actually controls - DUH.

          I understand frustration, and I understand anger.  But shouldnt this be directed at the companies doing it?  This makes me doubt very much the genuine nature of the claims in this diary.... Sorry....

          •  I heard him say it, I believed it. That was an (5+ / 0-)

            error on my part.  I voted for the dude three times, so maybe I'm especially disappointed.

            You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

            by Cartoon Peril on Mon Feb 03, 2014 at 01:16:34 PM PST

            [ Parent ]

            •  The error (4+ / 0-)
              Recommended by:
              rtaylor352, TiaRachel, trumpeter, Just Bob

              was in turning off ones mind.  There are few statements ever in the history of mankind that do not require thought and understanding of context. The simplicity of 'I heard him say it blah blah blah - is likely not extended to thousands of other things you hear day to day." For instance, "soap is harmless" - unless you drink a gallon of it. "Everyone should drink more water" - except for the poor guy that drank 5 gallons of it at a time and died.  "The rides in this carnival are perfectly safe", unless you take off the restraints and jump up and down on the coasters. "One single hot dog cant hurt you" - unless it gets lodged in your windpipe...

              So yes, Pres. Obama should have been careful how he phrased this, but we too should be careful not to blame him for things the ACA doesnt do.  We have seen cases over and over, where the law is being purposefully misapplied. Well, I live in a very safe neighborhood.  By saying this does it mean that a thief can not break in?  Of course not.  And you can keep your insurance - unless you are doing business with crooks.  I really didnt have to be told this second part.    

              The deeper issue I have is the idea that no matter how much the right might try to make things not work and the efforts they put into gumming up the works, it seems as though it is still appropriate to hate on the president. Every time I turn around it is "Obama lied" "Obama is lawless" Standards never applied to presidents in the past. He has become a favorite punching bag - and this is dangerous.  Dangerous because by making a scape goat of one person - and aping back simple catch phrases for why this is OK, the real problems never get solved.

        •  Through the website? (2+ / 0-)
          Recommended by:
          trumpeter, anon004

          Are you saying that Oregon won't sign anyone up on their exchange other than through their website?

          Hmmm. That doesn't sound right to me.

  •  Yeah no, RW talking points. (12+ / 0-)

    The ACA does not require any companies to cancel their plans. They may have to tweak it, but they've known that for quite awhile.

    And yeah, the reason you're declining to mention is important.

    While you dream of Utopia, we're here on Earth, getting things done.

    by GoGoGoEverton on Mon Feb 03, 2014 at 12:01:05 PM PST

  •  From your story, it seems like the reason the plan (17+ / 0-)

    was cancelled is very important to assess whether I should be outraged by your situation.  

    Its a weird world we live in.  Conservatives saying government can't run healthcare better than private actors and their proof is that government hired a bunch of private actors to set up a website and they promptly screwed up the website and took the gov't's money.  

    •  That they did. $160 million down the rat hole. (3+ / 0-)
      Recommended by:
      Victor Ward, Nova Land, NonnyO

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Feb 03, 2014 at 12:08:21 PM PST

      [ Parent ]

      •  Your situation appears to be different from most (9+ / 0-)

        in Oregon.  So $160 million wasn't just "poured down the rat hole".  Sorry you're feeling that the whole Oregon system was set up to screw you over, but there has got to be alternatives and not only do you not give us any idea of why this was canceled but you only complain about what happened and not really what you've done to try and fix the situation so we can know if you have tried to fix anything.

        I understand you are protecting your privacy - that's fine.  Just don't expect much help if you are ranting and refusing to allow people to help.

        •  Trust me, I can take care of myself, but there's (1+ / 0-)
          Recommended by:
          Victor Ward

          others who might not be able to.

          And I never said the website failure was targeting me personally, although I do note that it shouldn't take 2 months to generate a decision as whether one can make use of tax subsidies for insurance purchases.  It's a colossal failure for everyone in the state.

          You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

          by Cartoon Peril on Mon Feb 03, 2014 at 12:46:11 PM PST

          [ Parent ]

          •  Your judgement doesn't seem to match what (9+ / 0-)

            is being reported for Oregon.

            http://acasignups.net/... shows that

            Cover Oregon: Private insurance: 31,664 / Oregon Health Plan: 57,858
            Oregon Health Authority “Fast Track”: Oregon Health Plan: 122,869
            I am not going to be a judge as to whether $1000 average per person is worth it to this point (and that number will decrease as more people sign up, driving the per person number down), but I would not think "everyone in the state" feels it is a colossal failure.
            •  $160 million down rat hole = colossal failure (1+ / 0-)
              Recommended by:
              Victor Ward

              in my book.

              You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

              by Cartoon Peril on Mon Feb 03, 2014 at 04:57:05 PM PST

              [ Parent ]

              •  You're acting like Oregon will NEVER have a (1+ / 0-)
                Recommended by:
                ColoTim

                web-based state exchange for people to utilize to shop for health care plans and get quick approval for subsidies.

                 It's not rational.

                 I'm sorry that insurance companies (for-profit private companies) didn't completely comply with the Obama's speeches as he attempted to reform the way they do business to better serve the American population. He has taken his lumps for it.  

              •  Because it's not perfect? Because it didn't help (0+ / 0-)

                you the way it helped 160,000 of your fellow Oregonians?  Because it's still having bugs worked out of it?  

                Your statement makes it seem like you'd rather go back to your old plan while kicking 160,000 people off the plan in Oregon and that none of that investment did any good for anyone.  Just because you're having problems, you're saying the whole thing is a waste.  Who made you King?

  •  Sounds like the state (7+ / 0-)

    of Oregon dropped the ball on you head. Gotta hurt. Sorry to read this happened to you.
    Are their helpful navigators in Oregon?Can you use something like Value Penguin http://www.valuepenguin.com/... as a work around and just start contacting insurers directly? Not optimal,that's for sure.

    "George RR Martin is not your bitch" ~~ Neil Gaiman

    by tardis10 on Mon Feb 03, 2014 at 12:04:24 PM PST

  •  Sorry to hear your story. (1+ / 0-)
    Recommended by:
    allergywoman

    The 2014 elections are coming up and you and the Mrs. can let your voices hear by voting for Republicans so that they can sweep both the House and Senate and either repeal ACA or bring in their alternative.

  •  Find A Different Insurance Company (5+ / 0-)

    I am sure there are other insurance companies that will offer you a plan.  Your insurance company can't be the only insurance company in Oregon.  Sometimes when you look around you find a better deal.  

    "Don't Let Them Catch You With Your Eyes Closed"

    by rssrai on Mon Feb 03, 2014 at 12:28:32 PM PST

    •  That might work, I have 7 weeks to implement (1+ / 0-)
      Recommended by:
      Victor Ward

      it, but realistically not that long.  Action is required now.

      I didn't have the slightest clue this was going to happen until I opened the mail this morning.  Now I have to make sure that new coverage is in place and accepted, beyond just paying the huge premium, or I risk bankruptcy should I or one of my family fall ill or suffer an accident.

      The problem is made much much worse by the failure of the state government to deliver on their webisite/state exchange.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Feb 03, 2014 at 12:35:24 PM PST

      [ Parent ]

      •  Your insurance company (9+ / 0-)

        made a business decision. This wasn't required by the ACA. Without passage of the ACA, your company might have made the same decision. If it did, then you really would be up the creek without a paddle. Buying an individual insurance policy used to be a nervewracking nightmare. I know: we did it for 30 years.

        Now, when you switch insurers, whether voluntarily or involuntarily, you're in a much better position. You won't have to sweat out any pre-existing conditions being excluded, and you won't have to worry about being rejected or having your policy priced on underwriting considerations (except for a few things).

        Go ahead and be mad at Obama and the Democrats for not passing single payer, which would have stopped insurance companies from playing games like this with you. But don't be mad at them for what your insurance company did do, because it wasn't caused by the ACA.

  •  I don't believe the ACA "required" canceling (1+ / 0-)
    Recommended by:
    lightarty

    his plan. And it appears he made no effort to access the exchange.

    Troll.

    "Nothing happens unless first a dream. " ~ Carl Sandburg

    by davewill on Mon Feb 03, 2014 at 12:32:09 PM PST

    •  Here again is the quote from the notice I received (2+ / 0-)
      Recommended by:
      Victor Ward, Johnny Q
      One unfortunate aspect of the ACA is that effective with the April 2014 renewal [people like me] will no longer be allowed to participate ...
      I don't think I need to hire Clarence Darrow to proof that this is required by the ACA when the notice itself says this.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Feb 03, 2014 at 12:43:18 PM PST

      [ Parent ]

      •  If you believe them without any explanation (5+ / 0-)

        whatsoever. I don't.

        We would not be hearing about it for the first time from you. The more likely explanation is that you aren't explaining because it would either put you in a bad light, or people could debunk it easily.

        So, I assume it's garbage until proven otherwise.

        "Nothing happens unless first a dream. " ~ Carl Sandburg

        by davewill on Mon Feb 03, 2014 at 12:46:52 PM PST

        [ Parent ]

      •  This is confusing (5+ / 0-)

        as the ACA is supposed to be more inclusive toward requiring the allowing of more people into plans, as opposed to before when they were allowed to exclude people from certain policies. E.g., now people with pre-existing conditions will be allowed in, etc. I realize you are trying to protect your privacy, but it is hard to understand what is going on here, unless the information they gave you is incorrect and they are using ACA as an excuse. What is it specific to ACA that is preventing "people like you" from accessing this policy?

        •  Seems that the plan used to cover individuals (2+ / 0-)
          Recommended by:
          Victor Ward, Johnny Q

          and employers, now they think they have to call themselves a "multi-employer" plan, which means that everybody who participates it has to have at least one W-2 employee, and I guess this is required by ACA, or so they tell me.  Otherwise, they're giving everyone who doesn't the boot.

          You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

          by Cartoon Peril on Mon Feb 03, 2014 at 01:01:07 PM PST

          [ Parent ]

      •  You are reading something into it (1+ / 0-)
        Recommended by:
        Nova Land

        that the words don't really say. The ins. co. pays people a lot of money to wrote very carefully crafted words that don't actually say what you think they do.

        It does NOT say "The ACA requires..."

  •  April Fools! (5+ / 0-)
    Recommended by:
    denig, doroma, allergywoman, Sandino, anon004

    I don't think anyone else has asked the obvious question yet, so let me:

    I just found out today that my insurance plan (also covers my whole family) will be cancelled effective 4/1/14.
    Is is simply a coincidence that the date you provided when your policy will be revoked happens to be April Fools Day?
  •  I call bullshit. *$22,800*!! a year premiuns and y (18+ / 0-)

    ou expect me to believe you can't find insurance?  What, did 'Cadillac Health Care' go out of business?  I'm sure there's a co. that'll take your more than many people make in a entire frakking year premiums.

    Then you pre-emptively refuse to reveal any fact that would allow rational, accurate assessment of your claim.  And meet all reasonable requests for more info with squaks of 'privacy!'  If its so private why the frak did you maike it a frakking diary?!!

    And then, suddenly there's an oh so sympathetic comment that says 'Vote Thug in 2014 and it'll all be better!'

    Bullshit.  If your not a troll, you're doing a damn good impersonation of one.

    •  It's a major burden for me. It's more than the (1+ / 0-)
      Recommended by:
      Victor Ward

      mortgage on my house.  It's close to my annual tax liability.  It hurts every month to pay it.  

      I'm keeping something of my privacy by not disclosing more details, and if people don't want to believe me, that's their choice.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Feb 03, 2014 at 12:50:33 PM PST

      [ Parent ]

  •  I live in OR also and although I admit the web... (12+ / 0-)

    site wasn't fully successful, the important point to note is I now have insurance for the first time in 3 years of being self employed. Other important points to make:

     1. Health and dental is costing me $112 a month, which is about a third of what I would have had to pay in the past.
     2. I had a lot of free help from an Agent to get coverage through Cover Oregon. The website referred me to a list of agents to choose from.
    3. The website also allowed me to compare plans between all providers, with consistent information that made choosing a plan to go with very easy.
    4. It took 10 weeks from my application date to get enrolled.

     All in all, we had to improvise a little bit because of the technical problems with the web site and it took a lot longer than I expected. But, to just write a diary ranting about how you think Democrats suck now is kind of a joke. The health care system in America was embarrassing, and I welcomed attempts to improve it, and we all saw just how difficult it truly was, and how intransigent the GOP was to the cause.

    •  Cartoon Peril? Did you read the above comment? (3+ / 0-)

      First of all, it is very hard to believe, with all of the success stories on Dkos regarding ACA coverage, that Cartoon P. can not find new coverage for the $1900 plus per month he was paying, and probably for less.

      Also, Cartoon P, you are blaming the ACA when you clearly state that your Insurer decided to switch to all multi-employer plans.  Clearly it was the insurer who decided not to cover individual plans, nothing that the ACA is forcing them to do (that is the way it sounds to me based on what you wrote).

      I can certainly understand why CP is upset, but I'm betting that he finds better coverage for his family for less money.  The insurers are discontinuing policies and scaring people to death, and most people seem to have good options when they are fully investigated.

      Cartoon Peril, please let us know how this works out!

      •  I did and I stand by what I say. Ds need to clean (1+ / 0-)
        Recommended by:
        Victor Ward

        up act.  The only good thing going for them now is the stupidity of the Republicans.

        You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

        by Cartoon Peril on Mon Feb 03, 2014 at 05:02:48 PM PST

        [ Parent ]

        •  The problem is not the Democrats (1+ / 0-)
          Recommended by:
          rtaylor352

          Why are you blaming the party that gave you no preexisting conditions, free preventive care, kids on parents policies to 26, etc????

          The ACA is not responsible for your plan being cancelled, your insurance co. did that because they want to make more money.

          If the website is not working, that is Oregon's fault, not the Democrats.

          Go to Kaiser Family Foundation's site, use their calculator,  and find out if you'd get a subsidy. If you qualify for a subsidy you do have to use the exchange online or via a navigator. If not, however you can go straight to an agent or broker to buy an exchange policy.

          So you have options. For the exchange you can try the website again or you can see a navigator in person. If you don't qualify for a subsidy, then you can call an agent or insurance company and ask about the plans that are on the exchange.

          This is not rocket science, it is not the fault of the ACA or Obama, and you could be pro-active and an apostle instead of a complainer!

  •  Wow, hostile crowd. (6+ / 0-)

    The diarist is a long-time member and TU, so he gets called a liar and hide-rated on his tip jar because he isn't sufficiently happy with the PPACA?

    That's not precisely constructive towards retaining him as a Democratic voter.

    •  This is a bs diary even if the author is (3+ / 0-)
      Recommended by:
      rtaylor352, doroma, emelyn

      a long-time member with more than 22,000 comments under his belt. It is vague, inflammatory and borderline childish. People have tried to understand but attempts to get more information have been rebuffed.

      I find it hard to believe that someone who actually stands for the progressive vision of a prosperous and fair society for all would actually threaten to vote Republican (given what that means in the current political climate) in the way that has been done here.

    •  I don't know what TU stands for. But I think... (3+ / 0-)
      Recommended by:
      doroma, misterwade, skohayes

      some of the retorts from the crowd came from assertions that the diarist was going to be fined 1% of his income because his carrier was dropping his family's plan because the Democrats forced it to happen, and the State of Oregon blew $160 Million to Oracle for creating a web site exchange that didn't fully function and all of this was going to create problems for the Democratic party and make people vote against them in future elections was just maybe not up to snuff for articles written on this site.

       That's just what I took from it all. I never would have HR'd it... but I would welcome a more detailed and well thought out article on the situation.

    •  Not enough to vote for Ds, one must never speak (1+ / 0-)
      Recommended by:
      Victor Ward

      ill of them either.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Tue Feb 04, 2014 at 04:52:27 AM PST

      [ Parent ]

  •  Somebody activate the bat-signal... (1+ / 0-)
    Recommended by:
    ExpatGirl

    ...for databob. He's the expert on this stuff.

    Only the weak & defeated are called to account for their crimes.

    by rreabold on Mon Feb 03, 2014 at 01:44:38 PM PST

  •  Most expensive plan available in OR for a family (7+ / 0-)

    with 2 kids, through Cover Oregon, is $1,119.36 a month. That's a Platinum Plan with a large number of free services.

     For a family with 4 kids, that plan is still $1,119.36 a month.

     So that plan is $780 a month cheaper than your current plan. One hell of an unintended consequence.

    •  I need to note that the amount could rise based on (2+ / 0-)
      Recommended by:
      misterwade, Nova Land

      details on ages, and a couple in their 40s with two teenagers could cost $1307.90 a month, at a maximum.

       A couple in their 40s with two teenagers and two preteens could cost $1495 a month, at a maximum.

       Both situations are still under the current cost of $1900 a month.

  •  I predict that within 60 days Mr. & Mrs. Peril's (2+ / 0-)
    Recommended by:
    Just Bob, Cartoon Peril

    problem will be solved to their satisfaction, not to mention their pleasant surprise that indeed they are even better off than they were before.

    Proof that my predictions are reliable:  I did NOT predict the Hindenburg disaster, and yet it happened just as though I had.  Obviously my predictions come true whether I make them or not.

    Ted Cruz president? Pardon my Vietnamese, but Ngo Pho King Way.

    by ZedMont on Mon Feb 03, 2014 at 02:21:11 PM PST

  •  HR'd (1+ / 0-)
    Recommended by:
    lightarty

    for FUD-mongering, and for spreading GOP talking points with little or no supporting evidence.  And then for  doubling down without doing due-diligence.

    I am not religious, and did NOT say I enjoyed sects.

    by trumpeter on Mon Feb 03, 2014 at 02:45:35 PM PST

  •  Bad diary, but Oregon IS screwed up (2+ / 0-)
    Recommended by:
    misterwade, Cartoon Peril

    Nephew turned in paper application in early December, since computer system doesn't work. He has called several times and been told that they are working on it, but he has no assurance of coverage yet. He has significant health problems with very expensive meds, and is on unemployment, so his mom is having to buy meds for him, and they don't even know if coverage will be retroactive to jan 1. He is massively frustrated.

    Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

    by Leftleaner on Mon Feb 03, 2014 at 03:22:30 PM PST

    •  Did he work with an insurance agent? They were (2+ / 0-)
      Recommended by:
      skohayes, misterwade

      made available for free to us by Cover Oregon. Mine kept me in the loop so I didn't have to keep calling Cover Oregon and wait an hour or so to talk to someone.

       My application took 10 weeks to process, so if he applied in early Dec, then he should hear within the next two weeks. I think the key date is around Feb 18th, to get coverage on March 1st.

       I don't know anything about whether or not the insurance is retroactive. Did he not have insurance coverage before? Was it cancelled on Jan 1st?

      •  I don't think he worked with an agent (2+ / 0-)
        Recommended by:
        Cartoon Peril, Victor Ward

        He is pretty knowledgable, and I think he just put in his application.  He lost his job and insurance a few months ago, and was anxious to get coverage.

        So if he turned in his application in December, why should he have to wait to get benefits in March?  That's insane!  If I apply for any other benefit I am covered effective the date I apply, or in this case, January 1. That's two months with no coverage despite his prompt action.  If he needed catastrophic coverage, he would be left holding the bills?  Not a fair situation at all.

        Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

        by Leftleaner on Mon Feb 03, 2014 at 04:44:26 PM PST

        [ Parent ]

        •  There is only a delay in the application if he was (2+ / 0-)
          Recommended by:
          Leftleaner, VA gentlewoman

          seeking a subsidy. He could have gone straight to Moda, or Oregon Health Plan, or Kaiser, and gotten coverage for either immediately or the beginning of the next month by applying for coverage with them directly.

           The web site was still perfect for comparing plans and coverage levels, based only on his age and whether or not he was a tobacco user.

           Then, his subsidy would have kicked in after his application made his way through the scrambles. It took me 10 weeks for mine to go through.

           All this would have been explained last year when he realized he needed to get a new plan if he had made use of any of the large number of agents (or navigators if you will) listed on the web-site, providing free assistance.

          •  He may have, but I doubt it (1+ / 0-)
            Recommended by:
            Victor Ward

            I get most information from his mother.  He couldn't afford unsubsidized coverage at this point, although I don't know how much his meds cost, so it may have been comparable. The other point is that I doubt his ego would have allowed him to ask for advice.  It's gotten him into other pickles recently.  I just think it's unacceptable that they are taking so long to get through this backlog.

            The guv should have been far more proactive. It's too bad he's not being primaried.

            Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

            by Leftleaner on Mon Feb 03, 2014 at 05:20:52 PM PST

            [ Parent ]

  •  Your Update Says it All (2+ / 0-)

    "My insurance company decided...."  This is not due to the ACA, it's due to a decision your insurance company made.

    And if your a Democrat, I'm a unicorn.

  •  Sorry it's worked so badly in Oregon. (4+ / 0-)

    I was also insuring myself & spouse as a sole proprietor of a (very) small business that my provider determined would no longer qualify under the ACA, as they told me last November. My wife began coverage under her new employer, so I enrolled in an individual plan via Covered California. This is at a savings of ~$200/mo over my previous coverage.
    So call it just one data point, but I consider my ACA experience successful.

    "Think of something to make the ridiculous look ridiculous." -- Molly Ivins

    by dumpster on Mon Feb 03, 2014 at 03:36:16 PM PST

    •  That seems to be what's happening here. Of course (2+ / 0-)
      Recommended by:
      Victor Ward, misterwade

      they just drop the bomb on you and now it's a big scramble.  How the hell I'm supposed to be sure to have something in place by April 1 I have no real clue, but obviously it's going to take a lot of work.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Feb 03, 2014 at 05:07:14 PM PST

      [ Parent ]

      •  Action plan for Cartoon Peril (3+ / 0-)
        Recommended by:
        VA gentlewoman, misterwade, Nova Land

        1. Go to Cover Oregon Web Site.
          https://www.coveroregon.com/
        2. Click on Browse Plans (say no to "Have you received your eligibility results and enrollment packet?")
        3. Enter your information of address, number of people in house, household income, ages of people in household, and whether or not they use tobacco.
        4. Click on Browse Plans.
        5. We're comparing to your status quo of $1900 a month, so filter the plans to Gold and Platinum and sort by Price: High to Low.
        6. Choose the plan that fits best for your needs.
        7. Either go directly to the Insurance provider's website, or make use of the agents listed on the website for free consult and apply for coverage effective either immediately or the beginning of the next month.
        8. Then, apply to Cover Oregon if you want a tax subsidy, based on your household income, to help bring your health costs down. It could take a few months.

         I actually recommend everyone reading this to check out the website, I'd love to hear how the state stands for health care plan costs when compared to other states.

  •  Why are you blaming the PPACA? (3+ / 0-)
    I have done some checking and it seems the problem is that my insurance carrier has now decided that it needs to become a "multi-employer" plan.
    There is no requirement in it that insurers do this.
  •  Sorry you got this abuse (3+ / 0-)
    Recommended by:
    Cartoon Peril, gzodik, tardis10

    Living a bit to the north, and having had a really ok experience after the initial debacle (and being insured, with real insurance, for only the second time in 2 decades) I had to go google.  And yep -- apparently Oregon completely screwed the pooch.  And sold the puppies.   Wow.  

    In your shoes I would be practicing some particularly over the top forms of self-advocacy at the seat of state government.

    I don't know if it is a democrat/republican issue though, exactly -- more like, government finally tipping over the edge of pure, self-referential fuckuppery.  If the system worked, you'd get cancelled, sure, because there are going to be ways out when systems change and companies are going to take advantage of that to categorically dump any loss they can (whatever the head spokescritter says).  But you could go on the exchange, and hey, it turns out you end up with better insurance at a lower price.  But without an exchange...any exchange...it just sounds like a complete, horrible nightmare.  Esp. with the kind of conditions that create a bill like that every month

    In a way this makes me madder than the political and ideological spin.  If the people parading around in fine suits and running an entire american state can't pull off an IT project, then we have way worse problems than democrat vs republican.  It is a canary for a society where nothing actually works.

    Good luck.  

    ...j'ai découvert que tout le malheur des hommes vient d'une seule chose, qui est de ne savoir pas demeurer en repos dans une chambre.

    by jessical on Mon Feb 03, 2014 at 08:24:47 PM PST

    •  We'll see. I was hoping for lower premiums (3+ / 0-)
      Recommended by:
      jessical, Victor Ward, tardis10

      when the mythical exchange kicked in.  Now I need some kind of plan, fast.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Tue Feb 04, 2014 at 04:49:34 AM PST

      [ Parent ]

      •  And... (2+ / 0-)
        Recommended by:
        tardis10, chimene

        I think you would have had them.  

        I am guessing you are not the only person in this boat, and assuming that if you go without coverage the medical overhead will be ruinous in days or weeks.  Everybody's got a damn suggestion but if it were me I'd call on the people I know at OHSU to find out what other people are doing who are up against the wall and have been screwed by their state government's incompetence.  But finding the three people who know who to call is probably damned hard.

        On a diary level, thanks for writing this.  I was furious that Washington was iffy and slow and took a month and a half to work.  But now it's great, and I'd assumed other states (certainly our sister state to the south) were analogous.  

        ...j'ai découvert que tout le malheur des hommes vient d'une seule chose, qui est de ne savoir pas demeurer en repos dans une chambre.

        by jessical on Tue Feb 04, 2014 at 06:30:35 AM PST

        [ Parent ]

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