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<blockquote data-quote="dmac1" data-source="post: 4622263" data-attributes="member: 60252"><p>Again, your ignorance is showing. The ACA covers ALL health plans by requiring minimum coverage including the 10 essentail benefits and the elimination of caps. along with many completely FREE benefits. Are you trying to claim that the fedex plan prior to the ACA had NO annual or lifetime caps and NO coinsurance that extended beyond your annual deductible??????? Are you claiming that you could get preventative care without ANY copay or deductible prior to the ACA??????? Your premiums went up because your benefits went up. Your annual deductible was NOT a cap on your expenses. Co-insurance applied even AFTER you met the deductible. You were likely ignorant of that unless you had some catastrophic or long term condition while on that plan. If your annual cap was even $3 million before, you now have NO annual cap, so potentially you can collect $billions- an OBVIOUS (to everyone else) benefit INCREASE that vastly outweighs ANY premium increase, especially if the new premium saves you out of pocket on your now FREE, no copay or deductible benefits.</p><p></p><p>From Healthcare.gov-----All Marketplace health plans and many other plans MUST cover the following list of preventive services WITHOUT charging you a <a href="https://www.healthcare.gov/glossary/co-payment" target="_blank">copayment</a> or <a href="https://www.healthcare.gov/glossary/co-insurance" target="_blank">coinsurance</a>. This is true even if you haven’t met your yearly <a href="https://www.healthcare.gov/glossary/deductible" target="_blank">deductible</a>.</p><p></p><ol> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/talk-to-your-doctor-about-abdominal-aortic-aneurysm" target="_blank">Abdominal aortic aneurysm one-time screening</a> for men of specified ages who have ever smoked</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/heart-health/drink-alcohol-only-in-moderation" target="_blank">Alcohol misuse screening and counseling</a></li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/heart-health/talk-with-your-doctor-about-taking-aspirin-every-day" target="_blank">Aspirin use</a> to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/get-your-blood-pressure-checked" target="_blank">Blood pressure screening</a></li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/get-your-cholesterol-checked" target="_blank">Cholesterol screening</a> for adults of certain ages or at higher risk</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/get-tested-for-colorectal-cancer" target="_blank">Colorectal cancer screening</a> for adults 50 to 75</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/talk-with-your-doctor-about-depression" target="_blank">Depression screening</a></li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/take-steps-to-prevent-type-2-diabetes" target="_blank">Diabetes (Type 2) screening</a> for adults 40 to 70 years who are overweight or obese</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/eat-healthy" target="_blank">Diet counseling</a> for adults at higher risk for chronic disease</li> <li data-xf-list-type="ol"><a href="https://healthfinder.gov/HealthTopics/Population/older-adults/safety/preventing-falls-conversation-starters" target="_blank">Falls prevention</a> (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting</li> <li data-xf-list-type="ol"><a href="http://www.uspreventiveservicestaskforce.org/Page/Topic/recommendation-summary/hepatitis-b-virus-infection-screening-2014?ds=1&s=hepatitis%20b" target="_blank">Hepatitis B screening</a><a href="https://www.healthcare.gov/links-to-other-sites/" target="_blank"><img src="https://www.healthcare.gov/images/external-link-icon.png" alt="This link takes you to a website not operated by the federal government. The site may have different privacy and security policies." class="fr-fic fr-dii fr-draggable " style="" /></a> for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/talking-with-the-doctor/hepatitis-c-screening" target="_blank">Hepatitis C screening</a> for adults at increased risk, and one time for everyone born 1945–1965</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/hiv-and-other-stds/get-tested-for-hiv" target="_blank">HIV screening</a> for everyone ages 15 to 65, and other ages at increased risk</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/doctor-visits/shotsvaccines/get-important-shots" target="_blank">Immunization vaccines</a> for adults — doses, recommended ages, and recommended populations vary:<ul> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/diphtheria/index.html" target="_blank">Diphtheria</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/hepatitis_a/index.html" target="_blank">Hepatitis A</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/hepatitis_b/index.html" target="_blank">Hepatitis B</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/shingles/index.html" target="_blank">Herpes Zoster</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/hpv/index.html" target="_blank">Human Papillomavirus (HPV)</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/flu/index.html" target="_blank">Influenza (flu shot)</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/measles/index.html" target="_blank">Measles</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/meningitis/index.html" target="_blank">Meningococcal</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/mumps/index.html" target="_blank">Mumps</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/pertussis/index.html" target="_blank">Pertussis</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/pneumonia/index.html" target="_blank">Pneumococcal</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/rubella/index.html" target="_blank">Rubella</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/tetanus/index.html" target="_blank">Tetanus</a></li> <li data-xf-list-type="ul"><a href="http://www.vaccines.gov/diseases/chickenpox/index.html" target="_blank">Varicella (Chickenpox)</a></li> </ul></li> <li data-xf-list-type="ol"><a href="http://www.uspreventiveservicestaskforce.org/Page/Topic/recommendation-summary/lung-cancer-screening" target="_blank">Lung cancer screening</a><a href="https://www.healthcare.gov/links-to-other-sites/" target="_blank"><img src="https://www.healthcare.gov/images/external-link-icon.png" alt="This link takes you to a website not operated by the federal government. The site may have different privacy and security policies." class="fr-fic fr-dii fr-draggable " style="" /></a> for adults 55-80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/watch-your-weight" target="_blank">Obesity screening and counseling</a></li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/healthtopics/category/health-conditions-and-diseases/hiv-and-other-stds" target="_blank">Sexually transmitted infection (STI) prevention counseling</a> for adults at higher risk</li> <li data-xf-list-type="ol"><a href="https://healthfinder.gov/healthtopics/category/doctor-visits/talking-with-the-doctor/medicines-to-prevent-heart-attack-and-stroke-questions-for-the-doctor" target="_blank">Statin preventive medication</a> for adults 40 to 75 at high risk</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/hiv-and-other-stds/syphilis-testing-questions-for-the-doctor" target="_blank">Syphilis screening</a> for adults at higher risk</li> <li data-xf-list-type="ol"><a href="http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/quit-smoking" target="_blank">Tobacco use screening</a> for all adults and cessation interventions for tobacco users</li> <li data-xf-list-type="ol"><a href="https://healthfinder.gov/HealthTopics/Category/doctor-visits/talking-with-the-doctor/testing-for-latent-tuberculosis" target="_blank">Tuberculosis screening</a> for certain adults without symptoms at high risk</li> </ol></blockquote><p></p>
[QUOTE="dmac1, post: 4622263, member: 60252"] Again, your ignorance is showing. The ACA covers ALL health plans by requiring minimum coverage including the 10 essentail benefits and the elimination of caps. along with many completely FREE benefits. Are you trying to claim that the fedex plan prior to the ACA had NO annual or lifetime caps and NO coinsurance that extended beyond your annual deductible??????? Are you claiming that you could get preventative care without ANY copay or deductible prior to the ACA??????? Your premiums went up because your benefits went up. Your annual deductible was NOT a cap on your expenses. Co-insurance applied even AFTER you met the deductible. You were likely ignorant of that unless you had some catastrophic or long term condition while on that plan. If your annual cap was even $3 million before, you now have NO annual cap, so potentially you can collect $billions- an OBVIOUS (to everyone else) benefit INCREASE that vastly outweighs ANY premium increase, especially if the new premium saves you out of pocket on your now FREE, no copay or deductible benefits. From Healthcare.gov-----All Marketplace health plans and many other plans MUST cover the following list of preventive services WITHOUT charging you a [URL='https://www.healthcare.gov/glossary/co-payment']copayment[/URL] or [URL='https://www.healthcare.gov/glossary/co-insurance']coinsurance[/URL]. This is true even if you haven’t met your yearly [URL='https://www.healthcare.gov/glossary/deductible']deductible[/URL]. [LIST=1] [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/talk-to-your-doctor-about-abdominal-aortic-aneurysm']Abdominal aortic aneurysm one-time screening[/URL] for men of specified ages who have ever smoked [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/heart-health/drink-alcohol-only-in-moderation']Alcohol misuse screening and counseling[/URL] [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/heart-health/talk-with-your-doctor-about-taking-aspirin-every-day']Aspirin use[/URL] to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/get-your-blood-pressure-checked']Blood pressure screening[/URL] [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/get-your-cholesterol-checked']Cholesterol screening[/URL] for adults of certain ages or at higher risk [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/get-tested-for-colorectal-cancer']Colorectal cancer screening[/URL] for adults 50 to 75 [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/screening-tests/talk-with-your-doctor-about-depression']Depression screening[/URL] [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/take-steps-to-prevent-type-2-diabetes']Diabetes (Type 2) screening[/URL] for adults 40 to 70 years who are overweight or obese [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/eat-healthy']Diet counseling[/URL] for adults at higher risk for chronic disease [*][URL='https://healthfinder.gov/HealthTopics/Population/older-adults/safety/preventing-falls-conversation-starters']Falls prevention[/URL] (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting [*][URL='http://www.uspreventiveservicestaskforce.org/Page/Topic/recommendation-summary/hepatitis-b-virus-infection-screening-2014?ds=1&s=hepatitis%20b']Hepatitis B screening[/URL][URL='https://www.healthcare.gov/links-to-other-sites/'][IMG alt="This link takes you to a website not operated by the federal government. The site may have different privacy and security policies."]https://www.healthcare.gov/images/external-link-icon.png[/IMG][/URL] for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence. [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/talking-with-the-doctor/hepatitis-c-screening']Hepatitis C screening[/URL] for adults at increased risk, and one time for everyone born 1945–1965 [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/hiv-and-other-stds/get-tested-for-hiv']HIV screening[/URL] for everyone ages 15 to 65, and other ages at increased risk [*][URL='http://healthfinder.gov/HealthTopics/Category/doctor-visits/shotsvaccines/get-important-shots']Immunization vaccines[/URL] for adults — doses, recommended ages, and recommended populations vary: [LIST] [*][URL='http://www.vaccines.gov/diseases/diphtheria/index.html']Diphtheria[/URL] [*][URL='http://www.vaccines.gov/diseases/hepatitis_a/index.html']Hepatitis A[/URL] [*][URL='http://www.vaccines.gov/diseases/hepatitis_b/index.html']Hepatitis B[/URL] [*][URL='http://www.vaccines.gov/diseases/shingles/index.html']Herpes Zoster[/URL] [*][URL='http://www.vaccines.gov/diseases/hpv/index.html']Human Papillomavirus (HPV)[/URL] [*][URL='http://www.vaccines.gov/diseases/flu/index.html']Influenza (flu shot)[/URL] [*][URL='http://www.vaccines.gov/diseases/measles/index.html']Measles[/URL] [*][URL='http://www.vaccines.gov/diseases/meningitis/index.html']Meningococcal[/URL] [*][URL='http://www.vaccines.gov/diseases/mumps/index.html']Mumps[/URL] [*][URL='http://www.vaccines.gov/diseases/pertussis/index.html']Pertussis[/URL] [*][URL='http://www.vaccines.gov/diseases/pneumonia/index.html']Pneumococcal[/URL] [*][URL='http://www.vaccines.gov/diseases/rubella/index.html']Rubella[/URL] [*][URL='http://www.vaccines.gov/diseases/tetanus/index.html']Tetanus[/URL] [*][URL='http://www.vaccines.gov/diseases/chickenpox/index.html']Varicella (Chickenpox)[/URL] [/LIST] [*][URL='http://www.uspreventiveservicestaskforce.org/Page/Topic/recommendation-summary/lung-cancer-screening']Lung cancer screening[/URL][URL='https://www.healthcare.gov/links-to-other-sites/'][IMG alt="This link takes you to a website not operated by the federal government. The site may have different privacy and security policies."]https://www.healthcare.gov/images/external-link-icon.png[/IMG][/URL] for adults 55-80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/watch-your-weight']Obesity screening and counseling[/URL] [*][URL='http://healthfinder.gov/healthtopics/category/health-conditions-and-diseases/hiv-and-other-stds']Sexually transmitted infection (STI) prevention counseling[/URL] for adults at higher risk [*][URL='https://healthfinder.gov/healthtopics/category/doctor-visits/talking-with-the-doctor/medicines-to-prevent-heart-attack-and-stroke-questions-for-the-doctor']Statin preventive medication[/URL] for adults 40 to 75 at high risk [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/hiv-and-other-stds/syphilis-testing-questions-for-the-doctor']Syphilis screening[/URL] for adults at higher risk [*][URL='http://healthfinder.gov/HealthTopics/Category/health-conditions-and-diseases/diabetes/quit-smoking']Tobacco use screening[/URL] for all adults and cessation interventions for tobacco users [*][URL='https://healthfinder.gov/HealthTopics/Category/doctor-visits/talking-with-the-doctor/testing-for-latent-tuberculosis']Tuberculosis screening[/URL] for certain adults without symptoms at high risk [/LIST] [/QUOTE]
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