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deltaforce
Veteran Member


Date Joined Jun 2010
Total Posts : 1994
   Posted 9/27/2013 11:23 AM (GMT -7)   
Now that Obamacare enrollment is round the corner, I am just wondering if anyone found resources to make decision easy. Consumer Reports has a listing of insurance and I plan to look into it more. Apart from State and federal website, are there any more resources? Our emplyer provided insurance costs us ~$14400+$4000/year and its just too much to keep shelling out that.

Anybody knows, if there are going to be any agents that will do this job for us?

Thanks in advance.

(PLEASE refrain from making any inflammatory remarks about Obamacare. This question is NOT about if you like it or not.)
Dx 03/2007, left sided UC.
Sulfasalazine 1.5gm, Imuran, 50mg, Vit. B12, 1mg, Multivitamin, 1 tablet, Fish oil 2400mg , Vit D 2000 IU, Benebiotics 2caps, Folic acid 1mg. Canasa

Verapamil 320mg for migraine,
Nabumetone 750mg as an abortive, so far so good with GI side effects.
iHerb code BMV549
$5/$10 off on $20/$40 first purchase

iPoop
Forum Moderator


Date Joined Aug 2012
Total Posts : 2188
   Posted 9/27/2013 11:50 AM (GMT -7)   
My understanding is the state exchanges are your go to resource for shopping; we'll find out on Oct 1st. There is a way to enter your income and the subsidies you get are automatically figured into the prices shown to you in the exchange: $100 a month, $400 a month or however the dice might roll. All of the plans offer a decent basic coverage. I understand they have different levels in the exchange, you can get a Bronze, Gold, Platinum and so forth plan. Bronze is the cheapest plan on a monthly basis but also has the higher out of pocket expenses for procedures and drs office visits. Platinum (or whatever it is) has the highest monthly costs but the lowest out of pocket costs for procedures and office visits. So that's a decision you have to make regarding what makes the most sense and what you can afford.

Just sucks that my state will have only one provider on October 1st, Anthem Blue Cross Blue Shield, so I expect the prices to be high until there is competition. Other states have multiple providers in the exchanges.
35 yr old male/ proctosigmoiditis
Rx: Remicade started 9/10/2013
Daily 75mg 6MP + 5g Lialda + Rowasa + 12mg Prednisone (holding)
Diet: Diet mods and supplements haven't done a thing for me.
Complain, nah, uc enables me to catch up on all of the latest bathroom graffiti everywhere I go.

garylouisville
Veteran Member


Date Joined Aug 2012
Total Posts : 6970
   Posted 9/27/2013 12:00 PM (GMT -7)   
I am an Independant/moderate Republican. I must confess to being selfish and voting for Obama this last time specifically because I felt Obamacare would help my situation. The final numbers are coming out in a few days but so far it looks to me like Obamacare is not going to help my situation. I'm not trying to inflame the thread at all but there certainly have been a lot of half truths and very misleading information about the whole thing. Each side picks out truths trying to prove their cases but what I am finding out is that yes, premiums will be lower for almost everyone, particularly for those that will receive subsidies if you buy insurance through the state exchanges and the subsidies will be fairly generous and cover many, many people. Unfortunately, what we were not told is that the out of pocket expenses will be over $6,000 for individuals and over $12,000 for families. So, bottom line, you are going to be paying less in monthly premiums and much, much more in out of pocket expenses. The only way the insurance will be better off is if you don't use it. For people like us, we are more apt to pay most, if not all, of the out of pocket expenses. Your best bet is to use the government website at https://www.healthcare.gov/.
Asacol 800mgs 1 pillsX3; VSL#3 112.5mgs 1 pillX2; Prescrip Assist Probiotic 1 pill X 2;Vitamin D3 5000 ius 1 pillX2;Bentyl;DAO;Folic acid;CCHerbal 1 pillX3

Discontinued: Robinul; Natural - peppermint oil, Inflaguard (Boswellia), Pepto Bismol, Omega 3 fish oil, Imodium, Beano, Lactaid;Zymactive, Renew Life Probiotic 80 billion, Florastor, DGL, Monolaurin, slippery elm;black cherry concentrate

AZYooper
Veteran Member


Date Joined Mar 2010
Total Posts : 1170
   Posted 9/27/2013 1:40 PM (GMT -7)   
In general those with available employer provided insurance can't get coverage on the Health Insurance marketplace. Those with employer coverage got expanded features and will see reduced costs. Your employer may move your coverage to the Small Business Health Options Program(SHOP) which will allow you to shop various policies and companies. There are a lot of financial incentives for a small company to do this under the act. Small companies will not be forced to cancel coverage because a single employee has serious condition as they have had to in the past. Spouses and children can't be excluded from company(or individual) plans or denied coverage.

The reform act addresses the biggest problems in our system which are people that are uninsured because no coverage is available or no affordable coverage is available. These problems exist mostly for people that are self employed or work for companies that don't provide coverage. As of Jan. 2014, you can't be turned down for insurance because of a preexisting condition(like UC) and a spouse or child can't be denied coverage or have a excluded condition. You can't be charged more than a healthy person either.

If you have individual coverage or are uninsured, you can shop on the marketplace starting OCT 1 for coverage starting JAN 1. There are instant(?) tax credits that reduce premiums to an affordable level. The polices are identical with regard to coverage under the various "metal" levels WITH ONE MAJOR EXCEPTION. The exception is the PPO network. You need to request the network membership list from each company and make sure that hospitals, doctors, and networks you may want to use are on them. You have OCT 1 -December31 to research and choose.

If you have employer provided insurance(especially with a small company ie less than 50 workers), you need to research the options and talk to your employer. The current situation in small business is HORRIBLE and I think most small business employers and employees will end up loving this program.

The benefits of this reform to people with UC are huge. No more being forced to go without insurance or continue with a overpriced policy because no company will give you new coverage. Your child or spouse with UC can't be excluded from your policy. No more "phony" groups that trap the sick then price them out of coverage. I think you will see major reductions in the costs of the rip-off drugs we have to take if all of us get on insurance. If insurance companies have to take us all, they are not going to tolerate the current pricing/cost shifting policies of drug companies. They will not tolerate rebranding(asacol to asacol hd to ...) and the rest of the nonsense they pull.


My personal situation is that I had fairly good individual coverage with supposedly the best company in the state when I was diagnosed. Like all companies they set up bogus "groups". Each year the polices are changed slightly and new groups is created at each benefit level. The older policy groups get larger and larger price increases and this drives the healthy people to new policies. Those will UC or other expensive conditions are denied new policies and slowly driven off the old policy groups that contain nothing but the sick. A group of all sickies of course get really expensive. My current policy has twice the premium of a much better plan with a lower deductible. They can't do this anymore.

What is really amazing is that prior to my diagnosis I had insurance for almost 30 years and made a single claim for $25. After getting UC, I make thousands of dollars a year in claims but NEVER have my claims exceeded the single years premium I paid.

confused

deltaforce
Veteran Member


Date Joined Jun 2010
Total Posts : 1994
   Posted 9/27/2013 1:47 PM (GMT -7)   
garylouisville said...
Unfortunately, what we were not told is that the out of pocket expenses will be over $6,000 for individuals and over $12,000 for families. So, bottom line, you are going to be paying less in monthly premiums and much, much more in out of pocket expenses.

Where did you find this information? I was exactly looking for this information. Yesterday, I received a letter from Oxford that my premiums are jacked up by $200/month, thats like $5000/year for family, so I am going to spend more than 1/3rd of my income for my health insurance?
So I started wondering if Obamacare is going to give me subsidy, how much I will be paying at the end of the day? Consumer Report states that there is subsidy upto 400% of poverty line. My annual income close to that line and hence I am desperate to find out how much I will be spending at then end of the year.

Honestly, this crap is so stressing me out.
Dx 03/2007, left sided UC.
Sulfasalazine 1.5gm, Imuran, 50mg, Vit. B12, 1mg, Multivitamin, 1 tablet, Fish oil 2400mg , Vit D 2000 IU, Benebiotics 2caps, Folic acid 1mg. Canasa

Verapamil 320mg for migraine,
Nabumetone 750mg as an abortive, so far so good with GI side effects.
iHerb code BMV549
$5/$10 off on $20/$40 first purchase

Texana
Regular Member


Date Joined Jun 2013
Total Posts : 21
   Posted 9/27/2013 2:10 PM (GMT -7)   
Here's a subsidy calculator from Kaiser.  http://kff.org/interactive/subsidy-calculator/

garylouisville
Veteran Member


Date Joined Aug 2012
Total Posts : 6970
   Posted 9/27/2013 2:11 PM (GMT -7)   
The subsidies are only available if you purchase your policies from the state exchange. Otherwise, there are no subsidies. The state exchanges will have the out of pocket expenses of more than $6,000 for single individuals and over $12,000 for families. This is what is going to hurt me because even though my approximately $13,000 family policy will be subsidized by approximately $4,500 my out of pocket expenses are going to zoom from $6,000 per year to close to $13,000 per year. And, with my condition I could very well have to pay $6,000 more per year in out of pocket expenses and only save the $4,500 in premium subsidy, actually costing me more.
Asacol 800mgs 1 pillsX3; VSL#3 112.5mgs 1 pillX2; Prescrip Assist Probiotic 1 pill X 2;Vitamin D3 5000 ius 1 pillX2;Bentyl;DAO;Folic acid;CCHerbal 1 pillX3

Discontinued: Robinul; Natural - peppermint oil, Inflaguard (Boswellia), Pepto Bismol, Omega 3 fish oil, Imodium, Beano, Lactaid;Zymactive, Renew Life Probiotic 80 billion, Florastor, DGL, Monolaurin, slippery elm;black cherry concentrate

ks1905
Veteran Member


Date Joined Sep 2005
Total Posts : 2812
   Posted 9/27/2013 2:16 PM (GMT -7)   
Here is a good tool to start with to give you a general idea what health care exchanges will cost in your state and the subsides that maybe eligible to you.

kff.org/interactive/subsidy-calculator/

There is some better information below the tool in the FAQ section (you have to expand it to see it)

More about each state. kff.org/state-health-exchange-profiles/

imagardener2
Veteran Member


Date Joined Jan 2010
Total Posts : 3822
   Posted 9/27/2013 2:16 PM (GMT -7)   
Apart from State and federal website, are there any more resources?

In my state of Florida which has not co-operated in setting up a state exchange, Governor Baldy has prohibited people called "navigators" from helping people with insurance decisions. Taking up this slack has been a variety of non-governmental resources including the League of Women Voters who have speakers making the rounds who have studied and are familiar with the new law.

I have also recently seen newspaper articles that independent insurance agents are quite eager to help people out. lol. Not that they have anything to gain by signing people up for a policy, right?

People in states with a friendlier atmosphere (than Florida) should be able to call their state exchange beginning Oct 1 for more information.

I expect my premium to go down 10-15% but my out of pocket expenses will go down also because my deductible will be lower than currently. Because I am only 5 years from Medicare age I am in the higher cost group and not complaining.

Each state is different and the Washington Post had a map of the US showing how each states average costs compared to others. I'm jealous of Maryland and others who have much lower costs than Florida.

My opinion is that when more insurance companies get on board the costs will go down more. Right now only a dozen companies have signed up for Florida. I expect that number will double in a year or two and premiums will go down more....just about the time I hit the Promised Land of Medicare.

There is no reason all citizens of the US should not have the same deal people age 65+ get. And it will happen....someday.
Current diet=modified Paleo (sm amts of swiss cheese and some fruit OK)
In remission April 2010 after 10 years of UC with no remission ever
gluten-free (bleeding stopped) and dairy-free (less gas) started remission path+food diary
current meds=(9)Balsalazide+(2)Citrucel,(1) VSL#3 nightly
Rx meds have never worked for me except for mesalamine enema

AZYooper
Veteran Member


Date Joined Mar 2010
Total Posts : 1170
   Posted 9/27/2013 2:22 PM (GMT -7)   
"The state exchanges will have the out of pocket expenses of more than $6,000 for single individuals and over $12,000 for families. "

Source?
Diagnosed with proctosigmoiditis as my 50th birthday present Dec 2009
4.8 grams Asacol HD plus 1000mg canasa daily for 8 weeks. Went to 1.6 gr Asacol for 8 months. Tried sulfasalzine for a month got adverse reactions

On 3 g/day generic Colazal now,fish oil, homemade yogurt(VSL#3), pscillium husk,glucosamine sulfate,curcumin,ginger,milk thistle, ginko

imagardener2
Veteran Member


Date Joined Jan 2010
Total Posts : 3822
   Posted 9/27/2013 3:51 PM (GMT -7)   
"The state exchanges will have the out of pocket expenses of more than $6,000 for single individuals and over $12,000 for families. "

I believe this deductible amount is for a "catastrophic" policy available to people under 30 if they want the very lowest cost health policy because they anticipate having no or few expenses. My husband and I had this type of policy when we were young and healthy because we were healthy then.

People buying insurance on the exchanges will have choice of various amounts of deductibles.

PS. Only a couple days remaining for rumours and misinformation.

Texana
Regular Member


Date Joined Jun 2013
Total Posts : 21
   Posted 9/27/2013 4:18 PM (GMT -7)   
Hopefully nobody will be stuck in a job they don't like just because of their pre-existing condition. We UC'ers can appreciate that.

Yep, Medicare is wonderful and so is the VA Healthcare System...we're on both of them. Looking forward to all the folks out there who will benefit from their new health insurance effective Jan 1, 2014.
Partner to an age 66 guy DX with UC & Diverticulosis - 05-2007.
Quit smoking - cold turkey - after 40 years in 02-2007.
Diagnosed with Ulcerative Proctitis - 08-2013
Currently on Asacol (mesalamine) 3x daily 800mg; VSL#3 - 112.5 billion 2x daily; Psyllium Husk - 5x daily; Dicyclomine - 10mg 2x daily; Omeprazole - 40mg 1x daily.
On prednisone or Canasa (mesalamine) suppository - 1,000mg when needed

garylouisville
Veteran Member


Date Joined Aug 2012
Total Posts : 6970
   Posted 9/27/2013 4:25 PM (GMT -7)   
 
 
"however, under health care reform, the 2014 limits are $6,350 for individuals and $12,700 for families."
Asacol 800mgs 1 pillsX3; VSL#3 112.5mgs 1 pillX2; Prescrip Assist Probiotic 1 pill X 2;Vitamin D3 5000 ius 1 pillX2;Bentyl;DAO;Folic acid;CCHerbal 1 pillX3

Discontinued: Robinul; Natural - peppermint oil, Inflaguard (Boswellia), Pepto Bismol, Omega 3 fish oil, Imodium, Beano, Lactaid;Zymactive, Renew Life Probiotic 80 billion, Florastor, DGL, Monolaurin, slippery elm;black cherry concentrate

AZYooper
Veteran Member


Date Joined Mar 2010
Total Posts : 1170
   Posted 9/27/2013 5:42 PM (GMT -7)   
I don't know Gary. You make the legally permitted maximum under the least comprehensive plan(bronze) sound like a minimum amount you will have to pay. The limits are a good not a bad thing. You can choose a plan with lower out of pocket. Out of pocket now actually means your maximum possible contribution in addition to your premium.

My current policy is a typical grandfathered medical plan. The company states a out of pocket maximum BUT that isn't really the maximum because it doesn't include drug copays and all of the this stuff:

"BCBSAZ calculates member coinsurance payments and accruals toward deductibles and out-of-pocket coinsurance
maximums based on the BCBSAZ allowed amount and based on a calendar year. We do not use a provider’s billed
charges. Only the member’s coinsurance payment counts toward the out-of-pocket coinsurance maximums. Many cost
share payments do not count toward these maximums, including: deductibles, copays, access fees, certain other charges
listed in the benefit plan booklet, precertification charges, amounts paid for noncovered services, and noncontracted
providers’ balance bills. A member must continue to pay all of these cost share amounts (other than deductible) even
after meeting the maximums."






I currently really have a unlimited possible out of pocket.


Being able to purchase any individual policy on the market at the same cost as everyone else is HUGE for UC sufferers. The political forces that oppose health reform are using a level of distortion and partial truth never seen before in US politics. Everyone twists and spins their version of reality but this is just a joke. The ultimate insanity is their support base are mostly on medicare.

garylouisville
Veteran Member


Date Joined Aug 2012
Total Posts : 6970
   Posted 9/27/2013 7:19 PM (GMT -7)   
I'm just saying that with UC or any serious medical issues you are obviously going to have to pay more in out of pocket expenses than someone else who doesn't have much in yearly medical expenses. My current insurance carries a $6000 family deductible and because of UC I hit that full $6000 every year. Obamacare hypes about the lower premiums and the subsidies but kind of forgets to tell you that due to your pre-existing condition you may owe $6350 more than the premium if you are single or $12,700 more than the premium if you have family coverage. If you are having a hard time with your UC or other conditions, the out of pocket expenses could ad up to a lot more than the hype about how low your premiums are going to be. It will be a better overall deal for healthy people who don't go to the doctor much but for those that have issues the out of pocket expenses could very well make you worse off than you are now. It will only be good to those who were denied coverage before or those who could not afford coverage before - as long as single people can afford to pay about $3000 in premiums plus another $6350 and families can afford to pay a bunch in premiums plus another $12700 on top of that. So far it looks like I am going to have be paying more than I was before Obamacare. "Affordable Care" may not be a totally accurate term after factoring in the out of pocket expenses.
Asacol 800mgs 1 pillsX3; VSL#3 112.5mgs 1 pillX2; Prescrip Assist Probiotic 1 pill X 2;Vitamin D3 5000 ius 1 pillX2;Bentyl;DAO;Folic acid;CCHerbal 1 pillX3

Discontinued: Robinul; Natural - peppermint oil, Inflaguard (Boswellia), Pepto Bismol, Omega 3 fish oil, Imodium, Beano, Lactaid;Zymactive, Renew Life Probiotic 80 billion, Florastor, DGL, Monolaurin, slippery elm;black cherry concentrate

Post Edited (garylouisville) : 9/27/2013 7:55:43 PM (GMT-6)


soystud
Veteran Member


Date Joined Jan 2004
Total Posts : 5440
   Posted 9/27/2013 8:42 PM (GMT -7)   
you voted for the dumbass gary -

and gosh, imagine that - a guy who racks up hundreds of thousands ( or bazillions even) in medical bills should have to pay more than the guy who never sees the inside of a docs office !
diagnosed with pancolitis december 21, 2003
1 year no MEDS
currently supplements: -- vit D, cal/mag, Primadophilus Reuteri & GOL Raw Men, Wild Harvest Inflamma Shield -
No Gluten, Rice, Corn, Soy or Sugar - Just good, healthy food -
Lots of all natural well water, exercise, sleep as much as possible & enjoy this great life that God has blessed me with -

Thoreau
Veteran Member


Date Joined Jul 2009
Total Posts : 1802
   Posted 9/27/2013 9:56 PM (GMT -7)   
Soy... are you referring to premiums or deductibles? I'm reading it as deductibles... unless you're trying to argue against the whole law.

I just tried to read this post, and got pretty confused about it all. I'm thankful I have insurance. If I did not, this law may be the only thing separating me from poverty and no chance of advancement in my life.
28 year old male.
Dx 2003. Left sided UC, progressed to mid-transverse colon.
IBS issues complicate things for me a lot.
Remicade since 1/27/12. Clinical remission within 3 months.
----Noticeable change in how I felt after 10-11 months.
Cymbalta greatly helped IBS issues.
Tried: Mesalamines, mesalamine enemas, steroid enemas, 6mp, entocort, Imuran.

Thoreau
Veteran Member


Date Joined Jul 2009
Total Posts : 1802
   Posted 9/27/2013 9:57 PM (GMT -7)   
It posted before I was ready to post. I'm just trying to understand how it's affecting everyone differently. My aunt is in insurance, and hates this act. I'm a chronically ill person, so I see it as giving people like me without insurance a second chance for a good life. Am I wrong?
28 year old male.
Dx 2003. Left sided UC, progressed to mid-transverse colon.
IBS issues complicate things for me a lot.
Remicade since 1/27/12. Clinical remission within 3 months.
----Noticeable change in how I felt after 10-11 months.
Cymbalta greatly helped IBS issues.
Tried: Mesalamines, mesalamine enemas, steroid enemas, 6mp, entocort, Imuran.

deltaforce
Veteran Member


Date Joined Jun 2010
Total Posts : 1994
   Posted 9/28/2013 3:53 AM (GMT -7)   
Gary,

The article you linked talks about maximum deductibles and from what I understood between the lines, its not hard and fast. I will vary depending on the policy you choose to buy. It could very well be lower, which we will not know until marketplace opens (I believe).
Dx 03/2007, left sided UC.
Sulfasalazine 1.5gm, Imuran, 50mg, Vit. B12, 1mg, Multivitamin, 1 tablet, Fish oil 2400mg , Vit D 2000 IU, Benebiotics 2caps, Folic acid 1mg. Canasa

Verapamil 320mg for migraine,
Nabumetone 750mg as an abortive, so far so good with GI side effects.
iHerb code BMV549
$5/$10 off on $20/$40 first purchase

garylouisville
Veteran Member


Date Joined Aug 2012
Total Posts : 6970
   Posted 9/28/2013 8:14 AM (GMT -7)   
We do have to wait for the actual numbers but from what I understand you have a choice of coinsurances of 40, 30, 20, & 10 percents in the health exchanges. Of course the lowest premiums will be with the higher and the highest premiums will be with the lowest coinsurances. You are right that the article only talks about maximum out of pocket expenses and doesn't really say what the options are for those. Right now I am thinking that all of these options will be worse than I currently have because I currently have no coinsurances and no copays. I deal with deductibles only. I pay all costs until my deductible is reached($6000), after which the insurance pays 100% of everything after the deductible is met. Last year my family deductible was met by August and absolutely everything was free for my entire family for the rest of the year, meds, doc appointments, everything! Some article somewhere mentioned that higher tier drugs in the exchanges wouldn't be covered well at all compared to lower tier drugs and with many of the policies you may have to change doctors because your doctor may not be in the network anymore. That would really suck if true.

Like anything else, this law will have winners and losers but you really have to look at the nuts and bolts to determine which one you will be instead of looking at misrepresented generalities. I think many people are going to be disappointed when they see the bottom line. Many are going to find that they now have affordable health insurance which in the end is not going to be so affordable after they get stuck paying all of those out of pocket expenses. Are you really going to be ahead if you get "affordable health insurance" but wind up having to pay for not only the premiums (which may be cheap) but get stuck having to pay over $12,000 per year in out of pocket expenses (with family policies)? That's only beneficial if you can afford to pay that much but couldn't even get insurance before. Most UC'rs or people with expensive health issues are probably going to get buried in out of pocket medical costs, not unlike before the law because the people who are going to benefit the most are going to be those who pay less for insurance but don't go to the doctor much or have expensive health issues, like us.
Asacol 800mgs 1 pillsX3; VSL#3 112.5mgs 1 pillX2; Prescrip Assist Probiotic 1 pill X 2;Vitamin D3 5000 ius 1 pillX2;Bentyl;DAO;Folic acid;CCHerbal 1 pillX3

Discontinued: Robinul; Natural - peppermint oil, Inflaguard (Boswellia), Pepto Bismol, Omega 3 fish oil, Imodium, Beano, Lactaid;Zymactive, Renew Life Probiotic 80 billion, Florastor, DGL, Monolaurin, slippery elm;black cherry concentrate

Post Edited (garylouisville) : 9/28/2013 8:21:32 AM (GMT-6)


deltaforce
Veteran Member


Date Joined Jun 2010
Total Posts : 1994
   Posted 9/28/2013 9:42 AM (GMT -7)   
From what you have been saying, it looks to me, your insurance is pretty good (compared to mine), I have $4000 deductible, which I met in August of this year. Still I pay for medicines (copay) and now Oxford is giving hard time to cover Canasa.
Plus, DS is on Autism spectrum and these b@stards are telling me to take him to speech therapist who is specialist for stroke and has no idea how to handle kids on spectrum. Same goes with OT, they send me to senior living facility. How the fcuk these guys are supposed to know how to give therapy to a child on spectrum, waste of everyone's money. Both the places flatly told me, I will not benefit, yet Oxford is adamant that they can not offer anything more. What is the use of such insurance?

If this act is going to cover all of these options and makes me pay little more than my current premium, I will happily take it. I am paying $180/hour for private speech therapist, and $120/hour for private OT.


Offnote, does anyone know why Kaiser does not operate in NY (or I just don't know)?
Dx 03/2007, left sided UC.
Sulfasalazine 1.5gm, Imuran, 50mg, Vit. B12, 1mg, Multivitamin, 1 tablet, Fish oil 2400mg , Vit D 2000 IU, Benebiotics 2caps, Folic acid 1mg. Canasa

Verapamil 320mg for migraine,
Nabumetone 750mg as an abortive, so far so good with GI side effects.
iHerb code BMV549
$5/$10 off on $20/$40 first purchase

garylouisville
Veteran Member


Date Joined Aug 2012
Total Posts : 6970
   Posted 9/28/2013 10:37 AM (GMT -7)   
From what I understand Kaiser is mainly in the southwest. I have moved around to different parts of the country in the past and I had never heard of Kaiser until meeting my wife, who came from California. It is big there. Hopefully we'll know more about everything come October 1st. Like I said, there are bound to be winners and there are bound to be losers. I have a feeling there will be many more losers than winners when you look at all the facts. The administration keeps on hyping about how you can get lower cost "affordable" health insurance, especially when you factor in the subsidies, but they haven't said much of anything about the real total cost. It's not really affordable if you have to pay big out of pocket expenses after the fact and it will really suck if you have to change to a bad doctor because they will be in your network and your current doc might not. I think the big winners are going to be those that can finally get affordable health insurance, but don't use it much. Of course all of this talk is about the state exchanges. Most people get their health insurance through their employers.
Asacol 800mgs 1 pillsX3; VSL#3 112.5mgs 1 pillX2; Prescrip Assist Probiotic 1 pill X 2;Vitamin D3 5000 ius 1 pillX2;Bentyl;DAO;Folic acid;CCHerbal 1 pillX3

Discontinued: Robinul; Natural - peppermint oil, Inflaguard (Boswellia), Pepto Bismol, Omega 3 fish oil, Imodium, Beano, Lactaid;Zymactive, Renew Life Probiotic 80 billion, Florastor, DGL, Monolaurin, slippery elm;black cherry concentrate

Post Edited (garylouisville) : 9/28/2013 2:02:51 PM (GMT-6)


Texana
Regular Member


Date Joined Jun 2013
Total Posts : 21
   Posted 9/28/2013 12:01 PM (GMT -7)   
From what I understand, Kaiser is offered in the following states and DC: California, Colorado, Georgia, Hawaii, Maryland, Ohio, Oregon, Virginia, Washington, and Washington, DC.

I also understand that if you're currently insured and like your policy, there is no mandate to change.

We'll know a lot more very soon..
Partner to an age 66 guy DX with UC & Diverticulosis - 05-2007.
Quit smoking - cold turkey - after 40 years in 02-2007.
Diagnosed with Ulcerative Proctitis - 08-2013
Currently on Asacol (mesalamine) 3x daily 800mg; VSL#3 - 112.5 billion 2x daily; Psyllium Husk - 5x daily; Dicyclomine - 10mg 2x daily; Omeprazole - 40mg 1x daily.
On prednisone or Canasa (mesalamine) suppository - 1,000mg when needed
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