CBS: Insurers backing out of the ObamaCare exchange markets

posted at 10:01 am on October 29, 2013 by Ed Morrissey

CBS News has hardly shrunk from reporting the multi-layered fiasco of the Affordable Care act. Earlier today, the network gave a substantial report on insurer cancellations due to ObamaCare mandates, but on last night’s evening news, Scott Pelley and Dean Reynolds pointed out a less-covered issue of insurer participation. Despite promises of more choice in the new system, most insurers haven’t expanded their offerings at all — and some may pull back even more:

Stick around for Pelley’s report on the rescue of the “poor woman” who had been the face of Healthcare.gov, and his parting shot: ‘The site has not been a model of efficiency.”

This is not the only issue regarding insurers to arise this week. TPM reports that insurers are telling Congress that a delay of the individual mandate will make the price shocks worse in 2015:

The proposal to extend the open enrollment period, which has been endorsed by 10 Democratic senators, is a reaction to the well-documented problems with HealthCare.gov in its opening month. With many people having trouble applying for insurance through the website, and the administration setting a Nov. 30 deadline for the site to be fully functional, the senators say people need more time to sign up for coverage. The enrollment period is scheduled to end March 31. The senators haven’t asked for a specific new end date yet.

But expect to start hearing a significant amount of pushback from the industry, with a message focused on the fact that insurance premiums could skyrocket in 2015 if the enrollment period is extended. …

Right now, insurers need to submit 2015 rates to the U.S. Department of Health and Human Services between April 1 and April 30, 2014. If the enrollment period ends in March, as currently scheduled, insurers will know exactly what their customer base looks like as they make projections about their 2015 rates.

But if people can still sign up after March 31, either while or after insurers are making those calculations, it creates a few problems. Here’s the big one: Most experts assume that young and healthy people — who are crucial to making the law’s finances work by offsetting the costs of sicker and older enrollees — are more likely to wait till the last possible moment or until they get sick to sign up for insurance.

If that’s true and they can’t be accounted for when insurers are projecting their 2015 rates because of extended enrollment, that could lead to an older and sicker pool when those calculations for 2015 are being made. That would likely increase rates. And generally, the uncertainty about the pools could cause insurers to err on the side of caution.

That problem will exist whether the mandate penalty gets delayed or not, though. The economic incentives all lean toward paying the fine and riding out the year for younger, healthier consumers.  The fine, which will be 1% of adjusted gross income, would be around $500 for an average household, which in some cases is the monthly premium cost for insurance, with thousands of dollars in deductibles before the first benefit is paid (and there are no subsidies to buffer the deductibles, either).  If younger consumers pay the fine and get seriously ill or injured, they can still buy insurance to cover their expenses, thanks to the must-issue mandate on insurers.  In most circumstances, that makes a lot more sense than buying insurance to avoid the fine and still paying perhaps $10,000 in combined premiums and deductibles before seeing any benefits at all, other than freebie contraception.

The sticker shock in 2015 may end up being worse than that already seen for 2014 — and it will hit a month before the midterms.  Democrats had better start thinking about that now, or reap the whirlwind a year from now.


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“This could be ‘all hell breaks lose’ day.

The Department of Homeland Security is spending $80 million on a wrath of armed guards to protect the IRS and other government buildings in New York, not from terrorist threats mind you, but from American citizens because on November 1st the food stamp program is set to start decreasing the amount that is allocated to food stamp recipients… and they’re worried that violence will ensue.

I guess they’re preparing for the worst…”

http://www.thegatewaypundit.com/2013/10/dept-of-homeland-security-prepare-for-food-stamp-riots-after-november-cuts-video/

workingclass artist on October 29, 2013 at 10:36 AM

The difference could easily be made up by “eliminating waste and fraud” in the Food Stamp program, which is how the proggies explain cuts to Medicare used to fund Obamacare. Fraud in the SNAP programs is at least 10%, probably more like 20%.

Meanwhile, they refuse to do anything about the outrageous fraud in the EITC program.

slickwillie2001 on October 29, 2013 at 11:21 AM

CBS pushing for single payer?

OldEnglish on October 29, 2013 at 10:13 AM

They mean that single payer that is $17,000,000,000,000 in debt.

Dasher on October 29, 2013 at 11:22 AM

No, BCBS didn’t cancel my plan. They upgraded it! Sure, it will be twice as expensive to keep. However, I will be covered for such things as maternity care. Even though I’m a man I am going to march in to my doctor’s office (whoever that stranger will be under the new plan) and demand a sonogram. I’ll be paying for it and so it will be my right to get it.

MJBrutus on October 29, 2013 at 11:19 AM

We are fighting the logic fight with a group who has none. Just imagine finding out your homeowner’s policy had tripled and the response from your agent is “Hey, but the good news is if you ever get a swimming pool, trampoline, fireplace or a boat, they are all covered”. #sphagettilogic

hillsoftx on October 29, 2013 at 11:22 AM

Great news! I just learned from geniuses like Clyburn that my plan wasn’t really cancelled. Oh joy. Oh happy day.

No, BCBS didn’t cancel my plan. They upgraded it! Sure, it will be twice as expensive to keep. However, I will be covered for such things as maternity care. Even though I’m a man I am going to march in to my doctor’s office (whoever that stranger will be under the new plan) and demand a sonogram. I’ll be paying for it and so it will be my right to get it.

MJBrutus on October 29, 2013 at 11:19 AM

Include a mammogram…Y’know preventative care and all that…

workingclass artist on October 29, 2013 at 11:24 AM

I appreciate your optimistic assessment that the Democrats will receive the blame for this abortion of a policy. Based on the current WH response to O-care (it isn’t us, it’s your insurance company!!!) and the media’s fawning compliance, I fully expect the following to occur:

1) The Dems will blame the GOP for the O-care disaster
2) The press will support them
3) The LIV will eat it up like Michael Moore at an all you can eat buffet.

The MSM has their limits. They easily wanted to trumpet the launch of the website back on October 1, and the site failed quite publicly as they attempted to demonstrate it.

Make no mistake, the Dems are already in step 1 (and they would have been anyway… blaming the GOPe is in their DNA) but unless healthcare.gov actually gets relaunched and is something close to serviceable, it’s going to be tough for the MSM to follow step 2. And I don’t see the website even come close to working.

Step 3… well, that’s if you believe most people to be barely able to tie their own shoes in the morning and are unable to wipe the drool off of their own faces. The only low info people I see out there are the politicians themselves.

Seriously, there’s absolutely no reason to expect a different outcome. The press has shown its willingness to turn a blind eye and/or totally obfuscate to protect the Democrats and the public has shown itself to be dumb, panicky dangerous animals.

Physics Geek on October 29, 2013 at 11:04 AM

I disagree. People like Scott Pelley are in a CYA moment. Any level of criticism or critical coverage is more in line with them being disappointed at Teh One BECAUSE he isn’t delivering on their hopes and promises. They may be blind partisans, but they aren’t blithering idiots. Unless you are a staffer at the NBC News/MSNBC 30 Rock Borg.

The Socialist Surrender Monkeys who dominate the GOPe are really the only people now who can save the day for the Dems at this point.

Myron Falwell on October 29, 2013 at 11:25 AM

Because his momma lives in Texas and junior is a poet chasing his musical dreams in Seattle or something…

workingclass artist on October 29, 2013 at 10:39 AM

Gotcha. ;) I figured he was just trying out his Obamaphone… In between playing his video games.

Sterling Holobyte on October 29, 2013 at 11:25 AM

They upgraded it!

MJBrutus on October 29, 2013 at 11:19 AM

See how good your gubmint is to you? You should be thanking Obama.

“No co-pays! No co-pays!”
Oh how I remember Nancy Botoxi shouting that from her marionette mouth. But she knew the truth, that we would all have quadrupled premiums and deductibles.

Brat on October 29, 2013 at 11:27 AM

I’m going to demand a pap smear from my doctor.

Yeah, I’m a guy but if I’m paying for it then I want one, they can figure out how to do it.

Bishop on October 29, 2013 at 11:29 AM

All of this chaos.

Because 50% of the country thought:

“insurance” = “subsidy”

And a cabal of progs decided to exploit that.

Amazing.

budfox on October 29, 2013 at 11:31 AM

Has anyone with employer-sponsored plans seen their monthly contributions, deductibles, and out-of-pocket maximums for 2014? We have, and they have absolutely skyrocketed.
Once others start to see this inevitable result of the ‘Affordable Care Act’, I believe we will see even further outrage.

maryo on October 29, 2013 at 10:55 AM

Our employer decided to take the hit last year and our premiums went up 40%. This year, it’s a minimal increase.

txhsmom on October 29, 2013 at 11:02 AM

I had to drop my plan through work last year, because .. ta duh! .. they dropped my plan. We have Tricare through my husband (retired Navy), but we’ve always liked having a better primary plan. But when the employee share of the family premiums for the remaining plan was more than the max out of pocket for Tricare, it didn’t seem to make any sense, and because of Tricare I couldn’t sign up for the other plan, an HDHI/HSA.

This year they have the same two plans, but the employee share of the premium has gone up from $63/week to $79.
The annual deductible for in-system (I work for a hospital) has gone from $0 to $500(indiv)/$1000(family).
For in-network (with insurer) from $100/$200 to $750/$1500. For out-of-network from $1000/$2000 to $2000/$6000.

The maximum out-of-pocket caps have seen equally bad increases.
In system from $500/$1000 to $2500/$5000
In network from $1250/$2500 to $3750/$7000
Out-of-network from $2500/$5000 to $5000/$10000

Co-pays are the only area where the difference isn’t totally appalling, mostly staying the essentially the same in network or with minimal increases, and going up from 30% to 40% out-of-network.

So last year, the maximum out of pocket you could end up as a family, between premiums, deductibles, and cost-shares was around $8000. This years it’s more like $14,5000. And trust me, none of us, except perhaps folks at VP level and above, are seeing anything like enough raise to cover this.

As for Tricare? So far, at least for those of us on Standard, it hasn’t changed in years. So what used to be pretty bad insurance, is now one of the best plans out there. They haven’t added premiums yet to Standard, the co-pays are the same, and the annual catastrophic cap is still $3000 for the family.

LibraryGryffon on October 29, 2013 at 11:39 AM

budfox on October 29, 2013 at 11:31 AM

Exactly.

“There is a sucker born every minute.”

kingsjester on October 29, 2013 at 11:40 AM

To those of you who are on here complaining, who voted for Obama in 2008, remember: Elections have consequences.

kingsjester on October 29, 2013 at 11:42 AM

OT but related in the death spiral of the US economy as managed by liberal imagineers stuck on stupid…

Hey…Who’s up for a mileage tax?

“The devices, which track every mile a motorist drives and transmit that information to bureaucrats, are at the center of a controversial attempt in Washington and state planning offices to overhaul the outdated system for funding America’s major roads…

The tea party is aghast. The American Civil Liberties Union is deeply concerned, too, raising a variety of privacy issues.

And while Congress can’t agree on whether to proceed, several states are not waiting. They are exploring how, over the next decade, they can move to a system in which drivers pay per mile of road they roll over. Thousands of motorists have already taken the black boxes, some of which have GPS monitoring, for a test drive.

“This really is a must for our nation. It is not a matter of something we might choose to do,” said Hasan Ikhrata, executive director of the Southern California Assn. of Governments, which is planning for the state to start tracking miles driven by every California motorist by 2025. “There is going to be a change in how we pay these taxes. The technology is there to do it.”

The push comes as the country’s Highway Trust Fund, financed with taxes Americans pay at the gas pump, is broke. Americans don’t buy as much gas as they used to. Cars get many more miles to the gallon. The federal tax itself, 18.4 cents per gallon, hasn’t gone up in 20 years. Politicians are loath to raise the tax even one penny when gas prices are high.

“The gas tax is just not sustainable,” said Lee Munnich, a transportation policy expert at the University of Minnesota. His state recently put tracking devices on 500 cars to test out a pay-by-mile system. “This works out as the most logical alternative over the long term,” he said….”

http://www.latimes.com/nation/la-na-roads-black-boxes-20131027,0,6090226.story#axzz2j7rgfYX8

workingclass artist on October 29, 2013 at 11:43 AM

No brave Lefty here, despise him as much of the rest, but what I have gathered this is not factual. My source from a blogger who tracks ways to avoid Obamacare states there are only certain enrollment periods during the year, otherwise you can’t just have walk-up service.

You’re right about that. You can only enroll during the enrollment period. I guess, however, that if you do get stricken with cancer or whatever outside the enrollment period, you would only be financially responsible for treatment up until the end of the next enrollment period. Now, that might be a significant chunk of change, but it’s also a risk I think a lot of people would be willing to take. It basically means that the most that a sick person would not be insured for is less than a year. In fact it could be as little as a month.

WarEagle01 on October 29, 2013 at 11:43 AM

Suzanne Somers: The Affordable Care Act Is a Socialist Ponzi Scheme

http://blogs.wsj.com/experts/2013/10/28/suzanne-somers-the-affordable-care-act-is-a-socialist-ponzi-scheme/?KEYWORDS=suzanne+somers

Pork-Chop on October 29, 2013 at 11:46 AM

What are democrats supposed to do? It’s the law of the land.

rjcylon on October 29, 2013 at 11:46 AM

obama lies like a torn sieve.

H/t ITguy

Schadenfreude on October 29, 2013 at 11:54 AM

Democrats had better start thinking about that now, or reap the whirlwind a year from now.

They’ll count on mass media partisanship and the antiwhite race vote, as usual.

David Blue on October 29, 2013 at 11:56 AM

They can’t get single payer unless either the GOP agrees or the DNC takes over the House next year. Meanwhile, Obamacare will continue to collapse. Obama’s only other option would be to once again ignore the Constitution and sign up people who don’t qualify for Medicaid. If that happens, the country will begin to collapse.

cajunpatriot on October 29, 2013 at 12:00 PM

Democrats had better start thinking about that now,

NO, they should have been “thinking” 3 1/2 freaking years ago!

GarandFan on October 29, 2013 at 12:03 PM

NO, they should have been “thinking” 3 1/2 freaking years ago!

GarandFan on October 29, 2013 at 12:03 PM

You are assuming that they “think”, a fact so far not in evidence.

LibraryGryffon on October 29, 2013 at 12:04 PM

Even though I’m a man I am going to march in to my doctor’s office (whoever that stranger will be under the new plan) and demand a sonogram. I’ll be paying for it and so it will be my right to get it.
MJBrutus on October 29, 2013 at 11:19 AM

Be sure to get the transvaginal untrasound. It’ll be an experience you’ll not soon forget, and a fitting analogy for Obamacare…

Marcola on October 29, 2013 at 12:05 PM

we need medicare for all-katrina on msdnc right now

yup single payer is on the way if she has anything to say about it

cmsinaz on October 29, 2013 at 12:06 PM

where is the conservative sympathy for folks who can’t get healthcare?
waaaaaaa
-msdnc hack

cmsinaz on October 29, 2013 at 12:06 PM

MJBrutus on October 29, 2013 at 11:19 AM

Include a mammogram…Y’know preventative care and all that…

workingclass artist on October 29, 2013 at 11:24 AM

Don’t forget his birth control pills!!

bluefox on October 29, 2013 at 12:15 PM

I’m going to demand a pap smear from my doctor.

Yeah, I’m a guy but if I’m paying for it then I want one, they can figure out how to do it.

Bishop on October 29, 2013 at 11:29 AM

LOL. Let us know how they figured that out!!!

bluefox on October 29, 2013 at 12:17 PM

Suzanne Somers: The Affordable Care Act Is a Socialist Ponzi Scheme

http://blogs.wsj.com/experts/2013/10/28/suzanne-somers-the-affordable-care-act-is-a-socialist-ponzi-scheme/?KEYWORDS=suzanne+somers

Pork-Chop on October 29, 2013 at 11:46 AM

Great article there by Suzanne Somers, especially the closing paragraph which contains this:

So, is affordable care a good thing for retirees? Perhaps over time, it might work if you don’t get too old and you don’t get too sick, and you don’t live too long.”

and this:

In Obamacare, “too old” has limitations of service.

I knew she was smarter than your average celebrity, but that’s some very good writing.

There Goes the Neighborhood on October 29, 2013 at 12:17 PM

Step 3… well, that’s if you believe most people to be barely able to tie their own shoes in the morning and are unable to wipe the drool off of their own faces.

As evidence, I would like to submit the results of the last presidential election.

Physics Geek on October 29, 2013 at 12:19 PM

At first glance I thought the map was an image of the Louisiana purchase …

besser tot als rot on October 29, 2013 at 12:23 PM

My new plan costs more, covers less, and has a higher deductible.

Thanks, Mr. President, Ms. Pelosi, and Mr. Reid.

Chris of Rights on October 29, 2013 at 12:34 PM

O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA!

Murphy9 on October 29, 2013 at 12:38 PM

There was a pretty good article on Forbes by Scott Gottlieb on the slow-motion death spiral that will occur in the individual market. As the TV segment noted, three of the biggies aren’t even in the Obamacare individual market. Also, there’s apparently a way that if they don’t enter it, they can still enter the individual market and pick off healthies in a risk pool that won’t include high-risk people. Evidently, a way of winning is not playing early on.

BuckeyeSam on October 29, 2013 at 12:46 PM

Resist We Much on October 29, 2013 at 12:37 PM

We always knew that party and ideological loyalty are far more valuable to them than personal integrity, honesty, and character.

Athos on October 29, 2013 at 12:48 PM

Bishop on October 29, 2013 at 11:29 AM

Not exactly sure how to respond to this comment. Ouch????

Bmore on October 29, 2013 at 12:52 PM

I’m going to demand a pap smear from my doctor.

Yeah, I’m a guy but if I’m paying for it then I want one, they can figure out how to do it.

Bishop on October 29, 2013 at 11:29 AM

Maybe you can get a rebate when the Doc can’t find your “pap” to smear it. Otherwise, sue for malpractice.

Let the courts decide that since the government requires males to pay for OB-GYN coverage, that they must need it. Ergo, its the doctors’ fault.

$$$

BobMbx on October 29, 2013 at 12:56 PM

In most circumstances, that makes a lot more sense than buying insurance to avoid the fine and still paying perhaps $10,000 in combined premiums and deductibles before seeing any benefits at all, other than freebie contraception.

Which, for the Sandra Fluck types is a really good deal.

This isn’t really health insurance. It’s slut maintenance.

ThePrimordialOrderedPair on October 29, 2013 at 1:03 PM

Trust the MSM? Not on your life! They’re probably reporting it as part of the douche bag in the white house’s plan to go single payer for total control of the population.

jqc1970 on October 29, 2013 at 1:09 PM

Where is Lisa Myers..? Let her talk!

d1carter on October 29, 2013 at 1:12 PM

I’m going to demand a pap smear from my doctor.

Yeah, I’m a guy but if I’m paying for it then I want one, they can figure out how to do it.

Bishop on October 29, 2013 at 11:29 AM

Maybe on Pay Per View?

katy the mean old lady on October 29, 2013 at 1:15 PM

To those of you who are on here complaining, who voted for Obama in 2008, remember: Elections have consequences.

kingsjester on October 29, 2013 at 11:42 AM

They’ll never wise up, but just demand (and get) subsidies to save them from the evil republicans who want to take their healthcare away. Obama and Bernanke will crank up the printing presses, order more green ink and put us further into the red ink.

Don L on October 29, 2013 at 1:54 PM

The most terrifying thing on Earth is a progressive with a “great idea” to make everyone’s lives better. It’s astonishing how much famine, misery, and death can be laid at their feet just in the 20th century alone. Oh, but you meant well, that’s the important thing.

JeremiahJohnson on October 29, 2013 at 1:54 PM

LibraryGryffon on October 29, 2013 at 11:39 AM

Just curious. Is there a reason why you couldn’t or wouldn’t get Tricare Prime? It is extremely reasonable and it’s paid everything except for minimal copays and I have had major hospitalizations for kidney cancer and heart disease.

For all the complaints I hear about Tricare, it’s done a spectacular job for me and my wife.

NavyMustang on October 29, 2013 at 1:56 PM

Biggest lie from the video;

Rich, the insurance broker, speaking about the ACA: “It’s fixable.”

fred5678 on October 29, 2013 at 1:59 PM

OT – America today

Schadenfreude on October 29, 2013 at 2:15 PM

Just curious. Is there a reason why you couldn’t or wouldn’t get Tricare Prime? It is extremely reasonable and it’s paid everything except for minimal copays and I have had major hospitalizations for kidney cancer and heart disease.

For all the complaints I hear about Tricare, it’s done a spectacular job for me and my wife.

NavyMustang on October 29, 2013 at 1:56 PM

First, we used standard for years because we had a United or Aetna primary plan through my work.

Also, in our area Prime seems to rely very heavily on the base Clinic. We have two girls with a laundry list of health issues, [including endocrine (being seen by the state tertiary care center for that one), orthopaedic (one girl with severe scoliosis), and psychiatric] and we just don’t have time as a family to have to deal with an HMO type product which requires taking time off work to get to the clinic, just to get a referral, when, for example, we know we need to see ortho or dermatology. Likewise most of the docs we see aren’t in the Prime network, and we see no benefit to changing doctors who’ve been seeing us for a decade or longer and actually know our health histories. The thought of having to break in a new PCP for each family member every two to three years is pretty daunting.

LibraryGryffon on October 29, 2013 at 2:18 PM

Working as designed.

Fast forward to single payer.

That is and has been their plan.

Carnac on October 29, 2013 at 2:19 PM

 
 
1. Cruz was right.
 
2. Don’t let the Obamacare issue completely hide the GOP leadership effort to adopt amnesty
 
 

ignatzk on October 29, 2013 at 2:34 PM

That problem will exist whether the mandate penalty gets delayed or not, though. The economic incentives all lean toward paying the fine and riding out the year for younger, healthier consumers.

*And* for those who are not young or healthy, but simply cannot afford the premiums for the plans they are now being forced towards.

Midas on October 29, 2013 at 2:37 PM

Math is hard/////////////////////////////////////////

This thing is not meant to work. It is meant to lead to a “rescue” by Uncle Sugar, which means our entitlement society will expand exponentially and intentionally.

This has been the end game all along. Period.

hillbillyjim on October 29, 2013 at 3:03 PM

Math is hard/////////////////////////////////////////

This thing is not meant to work. It is meant to lead to a “rescue” by Uncle Sugar, which means our entitlement society will expand exponentially and intentionally.

This has been the end game all along. Period.

hillbillyjim on October 29, 2013 at 3:03 PM

IOW, Cloward-Piven is taking place right before our eyes, only thinly disguised.

hillbillyjim on October 29, 2013 at 3:05 PM

Will notices of the new insurance rates be mailed to consumers before or after the elections

That is the question

There were lots of warnings about Obamacare but until the notice came in the mailbox, most people assumed they would not be the scapegoat

Obama is trying to direct the public to dislike private insurance. Is he going to offer a ‘solution’ against the big bad insurance providers?

entagor on October 29, 2013 at 4:58 PM

Obama is trying to direct the public to dislike private insurance. Is he going to offer a ‘solution’ against the big bad insurance providers?

entagor on October 29, 2013 at 4:58 PM

Whether or not it will work, I don’t know, but I believe in my heart of hearts that this monstrosity is designed to fail so big Uncle Sugar can step in and save the day, thus giving us single payer by default. I may be accused of “conspiracy-theorism”, but there you have it. I truly believe that JugearedJesusCare was designed to fail for just this reason. Make of it what you will.

hillbillyjim on October 29, 2013 at 5:15 PM

Whether or not it will work, I don’t know, but I believe in my heart of hearts that this monstrosity is designed to fail so big Uncle Sugar can step in and save the day, thus giving us single payer by default. I may be accused of “conspiracy-theorism”, but there you have it. I truly believe that JugearedJesusCare was designed to fail for just this reason. Make of it what you will.

hillbillyjim on October 29, 2013 at 5:15 PM

Hardly a conspiracy theory; this is exactly what the REB told the greedy unions he would do.

slickwillie2001 on October 29, 2013 at 6:42 PM

I’m going to demand a pap smear from my doctor.

Yeah, I’m a guy but if I’m paying for it then I want one, they can figure out how to do it.

Bishop on October 29, 2013 at 11:29 AM

Maybe on Pay Per View?

katy the mean old lady on October 29, 2013 at 1:15 PM

OMG you guys stop NOW … your killing me …. wife is looking at me
and asking what is sooooo funny … trying to explain to her ….
*gasp* now stop ….. :D

conservative tarheel on October 29, 2013 at 6:56 PM

Beware geeks bearing gifts.

Akzed on October 29, 2013 at 10:50 AM

Indeed.

Obama and his cronies keep referring to Quality Affordable Coverage. I think that the law’s name should be changed from Obamacare to QuAC!

MJBrutus on October 29, 2013 at 10:20 AM

If it walks like a Trojan duck …

AesopFan on October 29, 2013 at 11:26 PM

Tricare copays have gone up twice in the past 2 years at retail pharmacies. And there are several more increases scheduled over the next few years. Mail order and pharmacies on the post cost less but the wait is long at post and mail order doesn’always arrive on time.

sherrimae on October 30, 2013 at 12:19 AM

O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA! O-BA-MA!

Murphy9 on October 29, 2013 at 12:38 PM

…MMMMMMmmmmmmmmmmmmmmmmmmm!
MMMMMMMMMMMMmmmmmmmmmmmmmmmmmmmm!
MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMmmmmmmmmmmmmmmmmmm!

KOOLAID2 on October 30, 2013 at 12:21 AM

Tricare copays have gone up twice in the past 2 years at retail pharmacies. And there are several more increases scheduled over the next few years. Mail order and pharmacies on the post cost less but the wait is long at post and mail order doesn’always arrive on time.

sherrimae on October 30, 2013 at 12:19 AM

True, but I’ve had less trouble getting drugs approved by Tricare than the employer insurance, the employer insurance co-pays in the past have been at best only slightly if at all less than the Tricare ones, and the Tricare co-pays count towards the $3K annual cap. In previous years we had a separate administrator for the pharmacy plan from the medicalplan at work, and I don’t believe there was an annual cap for out-of-pocket for drugs. This year the same insurer covers both medical and pharmacy, and preventive drugs, like blood pressure meds are “free”, but all others have a hefty co-pay, higher than the Tricare one, and as far as I can tell, no maximum out of pockets for drugs on this plan either.

LibraryGryffon on October 30, 2013 at 11:50 AM

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