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Everything posted by yinne

  1. Seems to me that the whole situation is a case of poor communication on the part of the school. Did anyone read what she wrote? Her child's teacher told her to pack a lunch because the child wasn't eating what was provided and then a month later they send the note telling her she can't send a packed lunch. I would say the school created the situation by not knowing the rules of whatever program they are enrolled in and then not fully explaining them to the parents. Yvonne
  2. http://igrow.org/livestock/beef/understanding-what-happened/ This article explains how the storm in SD and also northwest Nebraska killed so much livestock. Yvonne
  3. Across the state, snow totals averaged – averaged! – 30 inches (76 cm). Some isolated areas recorded almost 5 feet (140 cm), The Weather Channel reported. That’s shoulder-height-deep for most people. It’s so early in the season that the animals hadn’t yet grown their heavier winter coats, leaving them unprotected. “The cattle were soaked to the bone,†said Silvia Christen, executive director of the South Dakota Stockgrowers Association. “Then the wind and really heavy snow started — it just clung to them and weighed them down.†“Many of them just dropped where they were walking,†she said, adding that at least 5 percent of the roughly 1.2 million cattle in the western third of South Dakota likely perished. A trail of carcasses left a gruesome sight, said Martha Wierzbicki, emergency management director for Butte County, in the northwestern corner of the state. “They’re in the fence line, laying alongside the roads,†Wierzbicki told The Rapid City Journal. “It’s really sickening.†The effects will be felt for years, warned the South Dakota Cattlemen’s Association. Not only were tens of thousands of calves killed, but so were thousands more pregnant cows that would have delivered calves next year. As if that weren’t enough, the stress of the storm will leave the remaining cattle vulnerable to several infectious and ruinous diseases, said South Dakota State University Agricultural Extension Service. and this.... Cattle died of hypothermia or suffocated under snowdrifts after a “perfect storm†brought rain, then record snowfall and strong winds to the portion of the state west of the Missouri River, said Silvia Christen, executive director of the South Dakota Stockgrowers Association. Yvonne
  4. Please be in prayer for the people in western South Dakota. Slowly starting to see some news coverage of this, but the folks in western South Dakota are experiencing devastating losses from the snow storms this past weekend. Have heard reports of ranchers having lost up to 50% of their herd. Estimates of over 60,000 cattle were killed. Just heard about a friend who lost 30 head of bred heifers that were getting ready to be sold. For those that don't understand ranching that is a devastating financial blow, not to mention the emotional toil it takes on families. Rainbow Bible Camp estimates that they lost 90 horses -- http://www.worldmag.com/2013/10/south_dakota_staggers_under_early_blizzard http://dawnwink.wordpress.com/2013/10/08/the-blizzard-that-never-was-and-its-aftermath-on-cattle-and-ranchers/ https://www.facebook.com/ranchersrelieffund http://bigballsincowtown.com/storm2013.htm Yvonne in NE
  5. If your deductible is $6000, you have to pay $6,000 before the insurance will pay anything (except the preventive stuff that is covered by paying your premium). The 60%/40% coinsurance comes into play after your deductible is met. If your total out of pocket is 12,700 the deductible took care of $6000 of it and you will pay 40% of the rest of your medical bills (the insurance picks up the other 60%) for a given calendar year until you reach the 12,700, after that you are covered 100%. Yes, I too would agree that this sounds like a catastrophic plan, but the government calls it a bronze plan. The catastrophic plan is as explained in the previous post, but remember that the catastrophic plans under ACA are not available to everyone. Yvonne in NE
  6. http://health.usnews.com/health-news/health-insurance/articles/2013/08/28/aca-obamacare-bronze-tier-vs-catastrophic-health-insurance The bronze plans are different from the catastrophic plans. The link above shows you the difference. You CANNOT get tax credits to help pay for catastrophic plans and you are not eligible for a catastrophic plan unless the government says you are. Yvonne in NE
  7. Any idea which of these scenarios is correct? I have been told by one insurance company that they can sell me a plan that would begin 12/31/13 and it would not have to be an ACA plan and because it was issued in 2013 I would not be subject to the penalty. End of 2014 I would need to find an ACA plan. I was told by another insurance company that I would still be charged the penalty even though I had insurance because the plan isn't ACA approved. Of course it is affordable Yvonne in NE
  8. My brothers were bird hunters while growing up and they had a bird dog. The dog (Sergeant Joey Crackerjack) once brought home a chicken off of someone's grill :crying: We never learned which neighbor he took it from, but I always hoped it wasn't some old person that thought they were going senile! Yvonne
  9. There is a visitation program in the health care bill, but it is a voluntary part of the law. You can read about it at this link at HSLDA. ( HSLDA in no way supports the law, but they did clarify this part of it.) http://www.hslda.org/docs/news/2013/201308160.asp Or if you want to read the bill yourself http://housedocs.house.gov/energycommerce/ppacacon.pdf and search for section 2951 Yvonne
  10. The 60/40 is the coinsurance. After your deductible is met the plan would pay 60% of the cost until you reach your Out of Pocket (which I believe on the new plans effective 1/1/14 cannot be higher than $12,700). So the most you would pay would be $12,700 (your deductible + the 40% coinsurance) then insurance covers the rest. Of course your premiums are on top of this. Yvonne Premium: The monthly fee for your insurance. Deductible: How much you must kick-in for care first, before your insurer pays. Co-pay: Your cost for routine services to which your deductible does not apply. Co-insurance: The percentage you must pay for care after you’ve met your deductible. Out-of-pocket maximum: The absolute max you’ll pay annually. (not including premium) Read more at http://www.moneyunder30.com/health-insurance-deductible-co-pay-out-of-pocket-maximum#miFVx45DUKKA48qg.99
  11. The "Free Preventive Services" complements of The unAffordable Care Act. Can you really call them "Free" when I would have to pay $1100/month (Bronze Plan) to get them? The government must use a different dictionary than I do! No wonder premiums are skyrocketing. Also notice how many of them are lifestyle choice decisions. (I did not make this list up or the wording --- came directly from the government's health care website.) I have also been on the phone with BCBS the past couple of days and basically they told me there are winners or losers -- no one in the middle. This law either benefits you or you are paying big time for it. Yvonne Free preventive services All Marketplace plans and many other plans must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. This applies only when these services are delivered by a network provider. 1. Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked 2. Alcohol Misuse screening and counseling 3. Aspirin use to prevent cardiovascular disease for men and women of certain ages 4. Blood Pressure screening for all adults 5. Cholesterol screening for adults of certain ages or at higher risk 6. Colorectal Cancer screening for adults over 50 7. Depression screening for adults 8. Diabetes (Type 2) screening for adults with high blood pressure 9. Diet counseling for adults at higher risk for chronic disease 10. HIV screening for everyone ages 15 to 65, and other ages at increased risk 11. Immunization vaccines for adults--doses, recommended ages, and recommended populations vary: o Hepatitis A o Hepatitis B o Herpes Zoster o Human Papillomavirus o Influenza (Flu Shot) o Measles, Mumps, Rubella o Meningococcal o Pneumococcal o Tetanus, Diphtheria, Pertussis o Varicella 12. Obesity screening and counseling for all adults 13. Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk 14. Syphilis screening for all adults at higher risk 15. Tobacco Use screening for all adults and cessation interventions for tobacco users Comprehensive coverage for women’s preventive care All Marketplace health plans and many other plans must cover the following list of preventive services for women without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. This applies only when these services are delivered by an in-network provider. 1. Anemia screening on a routine basis for pregnant women 2. Breast Cancer Genetic Test Counseling (BRCA) for women at higher risk for breast cancer 3. Breast Cancer Mammography screenings every 1 to 2 years for women over 40 4. Breast Cancer Chemoprevention counseling for women at higher risk 5. Breastfeeding comprehensive support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women 6. Cervical Cancer screening for sexually active women 7. Chlamydia Infection screening for younger women and other women at higher risk 8. Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.†9. Domestic and interpersonal violence screening and counseling for all women 10. Folic Acid supplements for women who may become pregnant 11. Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes 12. Gonorrhea screening for all women at higher risk 13. Hepatitis B screening for pregnant women at their first prenatal visit 14. HIV screening and counseling for sexually active women 15. Human Papillomavirus (HPV) DNA Test every 3 years for women with normal cytology results who are 30 or older 16. Osteoporosis screening for women over age 60 depending on risk factors 17. Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk 18. Sexually Transmitted Infections counseling for sexually active women 19. Syphilis screening for all pregnant women or other women at increased risk 20. Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users 21. Urinary tract or other infection screening for pregnant women 22. Well-woman visits to get recommended services for women under 65 Coverage for children’s preventive health services All Marketplace health plans and many other plans must cover the following list of preventive services for children without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. 1. Autism screening for children at 18 and 24 months 2. Behavioral assessments for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 3. Blood Pressure screening for children at the following ages: 0 to 11 months, 1 to 4 years , 5 to 10 years, 11 to 14 years, 15 to 17 years. 4. Cervical Dysplasia screening for sexually active females 5. Depression screening for adolescents 6. Developmental screening for children under age 3 7. Dyslipidemia screening for children at higher risk of lipid disorders at the following ages: 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 8. Fluoride Chemoprevention supplements for children without fluoride in their water source 9. Gonorrhea preventive medication for the eyes of all newborns 10. Hearing screening for all newborns 11. Height, Weight and Body Mass Index measurements for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 12. Hematocrit or Hemoglobin screening for children 13. Hemoglobinopathies or sickle cell screening for newborns 14. HIV screening for adolescents at higher risk 15. **Hypothyroidism screening for newborns 16. Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary: o Diphtheria, Tetanus, Pertussis o Haemophilus influenzae type b o Hepatitis A o Hepatitis B o Human Papillomavirus o Inactivated Poliovirus o Influenza (Flu Shot) o Measles, Mumps, Rubella o Meningococcal o Pneumococcal o Rotavirus o Varicella 17. Iron supplements for children ages 6 to 12 months at risk for anemia 18. Lead screening for children at risk of exposure 19. Medical History for all children throughout development at the following ages: 0 to 11 months, 1 to 4 years , 5 to 10 years , 11 to 14 years , 15 to 17 years. 20. Obesity screening and counseling 21. Oral Health risk assessment for young children Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years. 22. Phenylketonuria (PKU) screening for this genetic disorder in newborns 23. Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk 24. Tuberculin testing for children at higher risk of tuberculosis at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years. 25. Vision screening for all children.
  12. I went to this website and plugged in some numbers http://kff.org/interactive/subsidy-calculator/ I don't know your ages and if you smoke, but you can enter numbers and see what it gives you. Remember it is just a ballpark. Results Note that regardless of whether your state expands Medicaid, children at this income under the age of 19 are likely eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements. If your state expands Medicaid If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program. Medicaid coverage varies from state to state, but out-of-pocket costs are generally modest. Smoking status is not taken into account in Medicaid eligibility. If your state does not expand Medicaid If your state does not expand Medicaid, you will be eligible to purchase subsidized coverage through the exchanges. The information below is about subsidized exchange coverage. Note that depending on your state's eligibility requirements, you may still be eligible for coverage through Medicaid. Household income in 2014: 106% of poverty level Unsubsidized annual health insurance premium in 2014: $10,612 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 2% Amount you pay for the premium: $500 per year (which equals 2% of your household income and covers 5% of the overall premium) You could receive a government tax credit subsidy of up to: $10,112 (which covers 95% of the overall premium)
  13. Not true -- there was a satire piece written in nationalreport.net and then it kind of took on a life of its own. At one time there was a registry for medical devices that were implanted into people, but that never made it in the final bill. There is also the CHIP program in the bill which is some type of program for children. All those taken together have created the myth. (I don't care for this bill at all, but I also don't like misinformation out there!) Yvonne
  14. Hmm, no we don't. If we did I would have found something better than the $7,000 deductible policy that we currently have. My frustration with the whole thing is that we are being asked to double our monthly premium for essentially worse coverage (higher deductible, higher copay, and higher out of pocket). I realize that the new policies have more in them, but we will never use most of that, so there is no value to us. Even when I play around with the numbers and get some government assistance, I am still paying more than I currently pay.
  15. I did read it (or at least enough of it to get the general idea) and what struck me was there was no way anyone was going to know what was in the bill until it was passed because it repeatedly said "Rules and regulations to be determined by the Secretary of Health and Human Services." (Disclaimer: May not be an exact quote, but pretty close :) Call me naive, but I thought we elected Congressman and Senators to write laws, not pass the buck to bureaucrats. Yvonne
  16. Oh, my goodness, I went and ran the calculator on the federal site -- it is worse than what BCBS quoted me. We have always had adequate coverage if something serious happened, but with large deductibles -- anywhere from $7000 - $10,000. Now those are out of our price range. This is crazy. I understand where you are coming from Amy in NH, but your ability to now get affordable heath insurance coverage should not be on the backs of people that now will no longer be able to afford the 'adequate coverage' they had in the past. Yvonne in NE
  17. Thanks for all the info everyone. Have a lot of research to do. Saw this article today on World about the exchanges http://www.worldmag.com/2013/09/future_of_obamacare_exchanges_uncertain_as_deadline_looms Probably explains why I could not find any rates for United Healthcare on the NE Department of Insurance. This whole health care stuff is like going to a restaurant and ordering a hamburger and a salad for $5. The server brings you a hamburger and a salad, but also a lot of other stuff you didn't order nor do you want. When you tell the server you only want the hamburger and salad, you are informed that the government has decided that everybody gets the same thing whether they want it or not and oh, by the way the price is now $10 instead of $5, but that is OK, the government will decide if you can afford it and if you can't the people at the next table will pick up your tab! :glare: Yvonne in NE
  18. Erica in OR: I did call BCBS and they recommended that as soon as the Marketplace opens Oct 1 that I check other companies other than BCBS, but did tell me that I would find that the BCBS rates were some of the lowest in Nebraska. The prelimnary numbers that the state department of insurance posted didn't really have BCBS rates any higher than the other 3 companies they were quoting. We also contribute to an HSA, not sure what will happen with that. -- Ugh, I hate, hate, hate this!!! So much for "If you like your plan, you won't have to change!" Yvonne in NE
  19. It was explained to me today that you will be able to choose to have the subsidy sent directly to your insurance company or receive a tax rebate at the end of the year. Yvonne
  20. Hmmm, that is interesting because the agent, who we have known for years, told me today that it makes no difference if I go through the exchange or him the pricing is the same. He also said that the whole thing is one big mess :( Yvonne
  21. I just printed out their application and will be looking very closely at this. My brother just found an article that quoted the Nebraska Insurance Commissioner as saying that rates in Nebraska are going up anywhere from 21% to 143%. The rates from BCBS are pretty much in line with what other insurance companies have proposed based on the rates that the state department of insurance is providing. Yvonne in NE
  22. Just received my info from Blue Cross Blue Shield my premium is jumping from $578 a month to $1,092 a month and going from a $7,000 deductible to a $8,000 deductible. We are a self employed (small) farming family -- where in the world am I suppose to find an additional 500 a month to pay the premium -- and no, the insurance agent doesn't think we will qualify for any assistance. This is crazy -- do you realize that if you don't get insurance by March 31, 2014 you are out of luck until enrollment opens again on October 15, 2014 for the new year 2015. The only way you can change your plan is if there is a marriage, divorce, birth, or adoption. So if you get stuck with a rotten insurance company you are stuck for the year -- no changes. I am sorry -- I am so frustrated right now -- I don't know what to do. We don't do cable, satellite, netflix, data plan cell phones (much to the kids dismay, they would love I-phones), vacations, etc., because we try and be responsible with our money and our choices and we can't afford most of those things -- I can't afford the new and approved health care system -- where can I check out?? Yvonne in NE
  23. http://www.us.penguingroup.com/static/pages/services-shared/teachersguides.html Came across this resource for literature guides. Thought they might be of help to someone. Yvonne in NE
  24. Highly recommend the Derek Owens courses. Used PreCalc last year and will use it again this year and Physics. Very pleased.
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