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Post by NamelessStain on Jul 24, 2014 11:02:22 GMT
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Post by NamelessStain on Jul 31, 2014 10:45:49 GMT
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Post by LowKey on Aug 22, 2014 1:23:59 GMT
Just curious if anyone knows of a case where a person has chosen to:
1- Not obtain insurance.
2- Refuse to pay the "tax"
3- Been arrested/prosecuted.
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Post by RTF Squared on Aug 30, 2014 6:17:59 GMT
As odd as it is to say/as much as I hate to say it, Obamacare just positively affected me. Instead of having to wait six months for benefit eligibility at work I only had to wait two. This benefits me a lot, because my prescription is just passing the two year mark and the coating on my lenses got de-fucking-stroyed when I started this job. Time to score the most hardcore tactical glasses I can.
Price seems a little higher than I remembered, ballpark of 20% or so, but I haven't looked to actually verify. I Know I had the better ( more expensive) plan than what I just enrolled in, but i swear I pad less.
Fucking insurance. I went to the doctor once the first five year tour with the company, saw a doctor once. What a fucking rip. Driven for 12 years, never had an accident, still pay $100 a month to be damn near thirty and drive a minivan. I fucking hate insurance companies.
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Post by NamelessStain on Sept 5, 2014 10:51:18 GMT
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Post by NamelessStain on Sept 9, 2014 16:31:10 GMT
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Post by NamelessStain on Sept 12, 2014 10:35:33 GMT
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Post by omegaman on May 4, 2016 2:28:40 GMT
Alright, gang, I've got one for y'all. Any advice or knowledge would be greatly appreciated.
My employer is cancelling health insurance (understandable, we are a small non-profit with 5 full-time employees--only 2 of whom require the insurance offered, one being yours truely). Looking at the marketplace, AKA Obamacare, and starting the enrollment process. Cool, subsidies are fairly legit and premiums are very manageable. HOWEVER, I am a veteran enrolled in VA health care...THUS...I am not eligible for the subsidized premiums!!! Fuck my life, retail on that shit is absolutely unaffordable for me. So, the way I see it, I am faced with 2 choices:
1) stick with the VA for my health needs and having my wife and daughter on a subsidized marketplace plan (i.e. Blue Cross Silver plan)
-keeping in mind, VA care just sucks. I know the people do their best, but the system just sucks.
2) Cancel my VA health care and making myself eligible for the subsidized marketplace premium rates and having my entire family on the same plan and keeping me with our family practice doctor and paying roughly the same premium as for just my wife and daughter
-Cancel my fucking VA BENEFITS, that I fucking earned, just to afford this fucked-up Obamacare horseshit that nobody wanted to begin with!!! WTF!!! VA health care
benefits is NOT INSURANCE. Goddammit. This is our government doing what it does best, screwing the average working class homie.
Thoughts? Opinions?
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Post by dannusmaximus on May 4, 2016 3:10:43 GMT
Alright, gang, I've got one for y'all. Any advice or knowledge would be greatly appreciated. My employer is cancelling health insurance (understandable, we are a small non-profit with 5 full-time employees--only 2 of whom require the insurance offered, one being yours truely). Looking at the marketplace, AKA Obamacare, and starting the enrollment process. Cool, subsidies are fairly legit and premiums are very manageable. HOWEVER, I am a veteran enrolled in VA health care...THUS...I am not eligible for the subsidized premiums!!! Fuck my life, retail on that shit is absolutely unaffordable for me. So, the way I see it, I am faced with 2 choices: 1) stick with the VA for my health needs and having my wife and daughter on a subsidized marketplace plan (i.e. Blue Cross Silver plan) -keeping in mind, VA care just sucks. I know the people do their best, but the system just sucks. 2) Cancel my VA health care and making myself eligible for the subsidized marketplace premium rates and having my entire family on the same plan and keeping me with our family practice doctor and paying roughly the same premium as for just my wife and daughter -Cancel my fucking VA BENEFITS, that I fucking earned, just to afford this fucked-up Obamacare horseshit that nobody wanted to begin with!!! WTF!!! VA health care benefits is NOT INSURANCE. Goddammit. This is our government doing what it does best, screwing the average working class homie. Thoughts? Opinions? If you get out of the VA program could you re-enroll at some time? Also, if the VA care sucks... ALSO, if you get out of the VA will you just lose the healthcare portion, or other bennies as well? Hate it for you, OM. |
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Post by misterdark on May 4, 2016 3:18:41 GMT
Alright, gang, I've got one for y'all. Any advice or knowledge would be greatly appreciated. My employer is cancelling health insurance (understandable, we are a small non-profit with 5 full-time employees--only 2 of whom require the insurance offered, one being yours truely). Looking at the marketplace, AKA Obamacare, and starting the enrollment process. Cool, subsidies are fairly legit and premiums are very manageable. HOWEVER, I am a veteran enrolled in VA health care...THUS...I am not eligible for the subsidized premiums!!! Fuck my life, retail on that shit is absolutely unaffordable for me. So, the way I see it, I am faced with 2 choices: 1) stick with the VA for my health needs and having my wife and daughter on a subsidized marketplace plan (i.e. Blue Cross Silver plan) -keeping in mind, VA care just sucks. I know the people do their best, but the system just sucks. 2) Cancel my VA health care and making myself eligible for the subsidized marketplace premium rates and having my entire family on the same plan and keeping me with our family practice doctor and paying roughly the same premium as for just my wife and daughter -Cancel my fucking VA BENEFITS, that I fucking earned, just to afford this fucked-up Obamacare horseshit that nobody wanted to begin with!!! WTF!!! VA health care benefits is NOT INSURANCE. Goddammit. This is our government doing what it does best, screwing the average working class homie. Thoughts? Opinions? Can you re-up for the VA later on? As bad as it is, it is still a benefit you fought for, literally. You could roll the dice and see IF Trump wins, AND does something about it. I would imagine repealing ACA will not be high on his list. (And if Hillary wins, Lord help us all.) If you stay on VA, does that count as "coverage" as per ACA? As in, if OW and OB go on the market, and get BCBS, they are good, but you may have to pay that damn penalty on your taxes if VA doesn't count as coverage. This, my friend, sucks. I don't see a cheap way out, to be honest. |
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Post by omegaman on May 4, 2016 12:30:07 GMT
To address a couple of points:
1) I can apply to re-enroll in VA health; however, no guarantees and I suspect it will not be as facilitative as when I was a fresh dischargee
2) From what I believe (and please, if anyone has more info...), my disability and compensation rating and payment is not affected by my decision to enroll, or not, in VA health care. I already used by GI Bill...Clemson FTW!!!
3)My VA rating and health coverage does meet the minimum ACA requirements, which is good in some aspects. I do not have to buy insurance on the marketplace. It's just that since having a job with insurance and having a family doctor and the whole clan on the same plan, I want to keep that. You know, like most working Americans. My wife and daughter are still eligible for subsidized marketplace premiums, just not poor old dad unless he unenrolls from VA health.
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Post by dannusmaximus on May 4, 2016 13:31:01 GMT
Honestly, OM, providing you can verify that your above point #2 is correct, I would disenroll from VA health and go with the private market stuff for the whole family. It sounds like you aren't particularly happy with VA healthcare coverage (I know very few people who are, so it's not like you're alone in that), and insuring everybody in private insuarance is doable. Having a single insurance provider at least means juggling less paperwork and benefits information.
Just my opinion, friend.
As a somewhat related aside, our bargaining unit was advised by the city that insurance was no longer a contract negotiable item. We used to be able to dicker with premium costs (not coverage details), like we'll give up part of a pay raise to keep our premiums the same or something similar. That is no longer a thing. The price is the price, and we can either take the city plan or find our own. It's not like the city is necessarily playing hardball, it's just the new reality. Our city plan is still very decent coverage for a very reasonable price, so nobody is complaining. That could change, of course, and I suppose if the cost vs. coverage calculation gets out of whack some guys/gals might go shopping in the private sector as well.
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Post by scbrian on May 4, 2016 21:22:30 GMT
But...But... If you like your insurance, you can keep it... right? Right? Guys? Sorry OM - Nothing to add really... |
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Post by kutter0311 on May 12, 2016 23:12:37 GMT
2) From what I believe (and please, if anyone has more info...), my disability and compensation rating and payment is not affected by my decision to enroll, or not, in VA health care. I confirm.
I didn't 'dis-enroll' exactly, just kept missing my annual checkup. After a year or so they quit bugging me.
Pretty sure you can get back in, but like every other part of VA health care, no fucking rush. Nobody's dying... Oh, wait.
On a separate train of thought...
Keep track of all your coverage shit. For taxes.
I just got a letter from IRS instead of the $5K I was expecting. I didn't substantiate my coverage enough.
Particularly, we started off with Badgercare(WI's socialized health care for low income), then I started making too much for that, got sent to Marketplace, got something there, that got all fuct up, went back to find another, that worked...
So now I need more documentation than my accountant thought, so I should find that. They gave me 20 days.
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Post by LowKey on May 13, 2016 18:40:38 GMT
I don't suppose my having insurance that covers everything and anything, nothing out of pocket, no deductible, no nonsense about in or out of "network" is helpful information?
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