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"Health Care Changes Ahead"
#1
The following is a notice sent out by my company;

"The benefits offered at FirstEnergy are self-insured, which means FirstEnergy - not and insurance company - pays the majority of health care claims for covered employees and their families. This means once you satisfy your annual deductible, FirstEnergy pays 80% (90% if you are enrolled in the Buy-Up PPO plan in 2013) of your health care claims.

Currently, FirstEnergy and its covered employees and their dependents pay a combined $170 million a year in health care costs. That number is expected to increase next year. Experts are projecting a 9.5% increase in health care costs, which is an additional $16 million that FirstEnergy and its covered employees would pay. Included in this increase are fees FirstEnergy now must pay to the federal government as a result of the Patient Protection and Affordable Care Act, also known as Health Care Reform.

To offset some of these rising costs, we are making changes to the FirstEnergy health care plans that will take effect in 2014. These changes include:

- Consolidating to one medical carrier: Anthem.
- Introducing an enhanced high-deductible health plan (Enhanced HDHP) with lower deductibles and lower out out-of-pocket maximums.
- Combining the Base PPO with the Base Rx prescription drug plan.
- Eliminating the Buy-Up PPO and Buy-Up prescription drug plan.
- Eliminating the company subsidy for dental coverage.
- Eliminating the company contribution to heal savings accounts."



So..., uh..., can someone explain how the "Affordable Care Act" results in my benefits being reduced, while costing more? Shrug


What a fucking scam.

Justin
[Image: pafoasig.png]
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#2
Looks like electric bills will be going up.
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#3
JustinHEMI;117063 Wrote:So..., uh..., can someone explain how the "Affordable Care Act" results in my benefits being reduced, while costing more? Shrug

Well that part is easy. See, you and I have to pay more and get less, so the majority out there don't have to pay at all and get more. Thus it is affordable, for them.
The law? The law is a human institution...
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#4
csmith;117065 Wrote:
JustinHEMI;117063 Wrote:So..., uh..., can someone explain how the "Affordable Care Act" results in my benefits being reduced, while costing more? Shrug

Well that part is easy. See, you and I have to pay more and get less, so the majority out there don't have to pay at all and get more. Thus it is affordable, for them.

Oh, that's right..., it's affordable for the takers, not the earners. My bad, thanks for clarifying.

Justin
[Image: pafoasig.png]
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#5
People are dropping spouse coverage.

My previous employer had it right. Paid 100% for the employee paid zero in the difference for family or spouce plans. Why should an employee that has kids or married make more money than one that is single. That's discrimination. Dropping dental plans and the like to offset will only last until unemployment drops to 4%. At that point businesses will have to offer more to attract talent. Not that there is much in talent left out there. I think we're at a point that 85% don't care at all about their jobs just getting a pay check.. sorry thing to see Sad
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#6
I'm really worried about our health care for next year. It's pretty much maxed out right now as far as what we can afford....if it goes up more, we're in trouble.

Trying not to think about it.

"Affordable health care"...what a load of crap. Unless you're already living off the system.
Error 396: Signature cannot be found.
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#7
Since it appears that my transcription might have spelling errors, here's a scanned copy so that no one can say that I made it up.

[Image: 1133_20130829_17472607_zps4eec1a72.jpg]
[Image: pafoasig.png]
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#8
Just like them saying that you could keep your plan and your doctor, and nobody's premiums would go up. It's hard to keep your plan and possibly your doctor if your provider eliminates your plan like many have done.

Everything about the ACA is utter horseshit and just another handout.
conefree, proud to be a member of pa2a.org since Feb 2013.
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#9
To be honest, I used to be skeptical of the people that claimed that they received letters blaming their premium increase on AFA..., until I got one.

Justin
[Image: pafoasig.png]
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#10
Well the fhca isnt the main reason premiums are really going up. Premiums go up year on year typically. The minor increases because of forced coverage aren't the real problem the problem is predicting the final cost so better safe than sorry..
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