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 I Prefer to Live in Fantasy Land
Posts: 64864
    
Location: In the Hills of Texas | I'm thrilled that I went from a $250.00 deductible to a $6,000.00 deductible and yes..it cost a little bit less but in reality, if I need it it will cost us at least $3,000.00 more over our old policy. |
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 Uh....never mind
Posts: 2696
Location: Midwest Farmer's Daughter: Central Illinois | My mom was super excited that her premium went from $200 to $600 AND her deductible more than tripled: $3000 to over $10,000! Fantastic! |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | RLB - 2013-12-26 4:13 PM My mom was super excited that her premium went from $200 to $600 AND her deductible more than tripled: $3000 to over $10,000! Fantastic!
So far the only people that I know that it's cheaper for is the ones that have gone on Medicaid. What a joke. |
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Uh....never mind
Posts: 2696
Location: Midwest Farmer's Daughter: Central Illinois | Nevertooold - 2013-12-26 4:23 PM RLB - 2013-12-26 4:13 PM My mom was super excited that her premium went from $200 to $600 AND her deductible more than tripled: $3000 to over $10,000! Fantastic! So far the only people that I know that it's cheaper for is the ones that have gone on Medicaid. What a joke.
I think that's the whole point. Get everyone on assistance. |
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I Will Not Keep Silent
Posts: 1922
Location: GA | I went through a private insurer. I couldn't afford Obamacare...  |
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 Horsey Gene Carrier
Posts: 1888
Location: LaBelle, Florida | My husband's company went from providing family insurance for free (part of his positions benifits) to booting me off the insurance and charging him a premium for him and daughter.
I now am on my companies insurance which jumped up 10.00/wk for single.
We can't afford Obamocare either. |
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 Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | I love it!!!! Our premiums went up plus our deductible.........woooohooooo.........and then next year December 2014......since we are "nice"........ours premiums will increase to a very affordable monthly $1200.00..........and glorious $12,000.00 deductible..........I can hardly wait!!!!
And it only pays 60/40!!!! And thats just the bronze..........what a gem! |
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | Stupid question....but when obama is out of office, will the next president keep obamacare? |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | hoofs_in_motion - 2013-12-25 7:41 PM Stupid question....but when obama is out of office, will the next president keep obamacare?
Depends on House and Senate........as well as who is President............hence why Obama delayed the employer mandate till after the Nov. 2014 elections.......many Democrats are up for re-elections.....and Obama nor the Democrats can afford to lose seats...........if so Obamacare could be stopped..... |
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| hoofs_in_motion - 2013-12-26 6:41 PM
Stupid question....but when obama is out of office, will the next president keep obamacare?
The only way this will have a chance of happening is if every conservative gets off their duff and votes republican, no matter who the candidate is. Just hold your nose and do it. There will need to be a Republican majority in both the Senate and the House as well as in the presidency. Perhaps, but just perhaps, something can be changed for the better. I am also for term limits. Since there are no term limits on the Senate or House, we need to vote 'em out. |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | *robin* - 2013-12-26 5:16 PM I went through a private insurer. I couldn't afford Obamacare...
I got mine through BCBS and there was no way I would go on the Obamacare site. From what I understand...the rates are the same unless you are eligible for a subsidy, which we aren't. |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | Nevertooold - 2013-12-25 8:00 PM *robin* - 2013-12-26 5:16 PM I went through a private insurer. I couldn't afford Obamacare...
They are..............and we don't either........over 50, 2 household family with a gross income over $64,000.... |
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I Will Not Keep Silent
Posts: 1922
Location: GA | CJE - 2013-12-26 8:05 PM
Nevertooold - 2013-12-25 8:00 PM *robin* - 2013-12-26 5:16 PM I went through a private insurer. I couldn't afford Obamacare...
My quotes were not the same. That is why I said I could not afford Obamacare. |
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 Something Like That
Posts: 2300
Location: kansas | I will be the odd person out here, My sister dropped the policy she had through her work, her new policy did go up but since she is still being treated for breast cancer, her obamacare policy pays for more with less deductible and less out of pocket expenses. Yes, her employer will be fined but she said at this point she could not afford to turn it down. Also my neice, has 4 kids, single working mother, no health coverage at work is on it and it is not that bad for her and 4 kids. She didn't qualify in Indiana to be on any state or federal assistance because she worked and gets some child support through the state because of deadbeat dads. I guess it depends on your circumstances if it is going to work for you or not. |
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  Living on the edge of common sense
Posts: 24138
Location: Carpenter, WY | Mine went up at work 67 dollars a month and that is just for me. Coverage decreased and the annual deductible is higher :(
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 Elite Veteran
Posts: 1118
Location: The South | CJE - 2013-12-26 6:40 PM I love it!!!! Our premiums went up plus our deductible.........woooohooooo.........and then next year December 2014......since we are "nice"........ours premiums will increase to a very affordable monthly $1200.00..........and glorious $12,000.00 deductible..........I can hardly wait!!!!
And it only pays 60/40!!!! And thats just the bronze..........what a gem!
Are you a teacher? One of our customers was telling me about how much their rates are increasing and it was ridiculous like yours. Makes me so mad.
I'm on my husband's work plan and our deductible has gone through the roof. I'm glad I had my riding accident this year if it had to happen. At least it hasn't cost us an arm and a leg like it would have if we had that massive deductible. |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | *robin* - 2013-12-26 7:16 PM CJE - 2013-12-26 8:05 PM Nevertooold - 2013-12-25 8:00 PM *robin* - 2013-12-26 5:16 PM I went through a private insurer. I couldn't afford Obamacare... My quotes were not the same. That is why I said I could not afford Obamacare.
The lack of security made me decide not to even go there so I don't have a clue if I could have found something cheaper. I could have gone with an HMO that covered nothing and none of my doctors would accept, for less money. |
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 BHW's Lance Armstrong 
Posts: 11134
Location: Somewhere between S@%&# stirrer and Saint | I haven't paid any attention to this insurance BS of Obama care. So can I BS my way through it and not buy insurance. Or do I just buy some private insurance and all is good? Why is it so expensive? |
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I Really Love Jeans
Posts: 3173
Location: North Dakota | My turn! We went from $750 a month, $300 deductable and insurance pays 90. TO $1650 a month, $5000 deductable, insurance pays 80%. We were warned after 14 months it will go up to $2200 a month, $10,000. deductable and insurance pays 80% for Family of 5! Obama did this for the low income adults to get medicaid! In the past it was just children and pregnant women. He set it up so this country is forced to pay for all the adults that have no insurance. Well guess what the insurance company is sticking it to the people who do! The minority now have health insurance to add to the free ride they are owed right? |
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Elite Veteran
Posts: 898
Location: Mountains of VA | I have tried a bizillion times to get on the site but it keeps coming up with error. I have checked and rechecked the info I am typing.........it is correct. I don't know why I can not get on the site.
I think the whole Obama Care program is a joke. Not sure if I will pay penalty or try to get insurance privately. |
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 BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | And what do we hear from the Obama voters on here?
Crickets. |
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Veteran
Posts: 129
| Regret............. |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | angelica - 2013-12-26 8:16 PM My turn! We went from $750 a month, $300 deductable and insurance pays 90. TO $1650 a month, $5000 deductable, insurance pays 80%. We were warned after 14 months it will go up to $2200 a month, $10,000. deductable and insurance pays 80% for Family of 5! Obama did this for the low income adults to get medicaid! In the past it was just children and pregnant women. He set it up so this country is forced to pay for all the adults that have no insurance. Well guess what the insurance company is sticking it to the people who do! The minority now have health insurance to add to the free ride they are owed right?
I'm so sorry...The plan I had went up to over $1900 a month so I had to go look for another plan. This crap is going to really hurt the middle class. It's nothing but wealth re-distribution and control of people. |
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 Don't Ask Me
Posts: 4077
| my plan through work went from 50/week 2,500 deductible to $80/week $8,000 deductible just for hubby and I.
and I have to get proof that we are legally married and live together.. other at work have to prove their kids are their kids????
we were told in 2015 our company will be booting off any spouses that can get insurance elsewhere to save money..
so I lost basically 3/4 of a paycheck bringhome a month ...how do I make that $$ up?? which bills don't we pay??
looked into the obamacare.. was more expensive then I was paying through work.
and just as crappy |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | HotbearLVR - 2013-12-25 9:41 PM And what do we hear from the Obama voters on here?
Crickets.
Apparently not.........................or either they're busy signing up for Obamacare.......... |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | Nevertooold - 2013-12-25 9:09 PM *robin* - 2013-12-26 7:16 PM CJE - 2013-12-26 8:05 PM Nevertooold - 2013-12-25 8:00 PM *robin* - 2013-12-26 5:16 PM I went through a private insurer. I couldn't afford Obamacare... My quotes were not the same. That is why I said I could not afford Obamacare.
You don't have to put any personal information in now..........you can go shop.......get ready for shock and awe......... |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | This is a informative read.............shocking............
http://news.investors.com/politics-obamacare/122613-684287-obamacare-middle-class-subsidy-cliff-for-older-americans.htm |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | hotpaints - 2013-12-25 9:31 PM I have tried a bizillion times to get on the site but it keeps coming up with error. I have checked and rechecked the info I am typing.........it is correct. I don't know why I can not get on the site.
I think the whole Obama Care program is a joke. Not sure if I will pay penalty or try to get insurance privately.
It doesn't matter where you are buying all rates are increasing.....it is all connected..........unless you qualify for a subsidy........ |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets.
Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Stitch4k9 - 2013-12-26 11:17 PM
HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets.
Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
I'm glad you are thrilled, Karen. Few here share your euphoria. As far back as I can recall you have never met a liberal idea you disliked, nor have you ever criticized a liberal politician, with the POSSIBLE exception of John Edwards.....I say POSSIBLE. Do you approve of Obama's lies about ObamaCare? Perhaps, given your mindset, you don't believe he lied.
All the previously cited examples of BBs being drastically harmed by ObamaCare doesn't seem to matter to you, since you are getting a sweet deal. Typical progressive mindset. |
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 Elite Veteran
Posts: 989
| WOW. One reason I like living in Canada I guess. My work pays for my healthcare. I pay $90 biwkly, and I have not paid a penny ever for health care for a deductible. I couldnt imagine paying those deductible.. I sure couldnt afford it! |
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Expert
Posts: 1815
| Karen ~ If you really think a conservative "think tank" wrote Obama care, name em. BEings how it would never pass without democratic majority, I just don't believe it. If conservatives wrote Romney care, then why did he govern with a democratic majority as well? Your speech doesn't add up |
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I Will Not Keep Silent
Posts: 1922
Location: GA | Stitch4k9 - 2013-12-27 12:17 AM
HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets.
Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
Me personally I am aware it is private insurance through Obamacare but Obamacare is government ran. Perhaps I should say that I have insurance through a private exchange. There are private exchanges and they are starting to ramp up and become more popular due to Obamacare. The very age group that Obama wished to target with his ACA, "cough" is starting up their own exchange. As long as their policies meet the Obamacare guidelines they are good to go.
I find it interesting that my salary as well as my husband's was required to get a quote through Obamacare and it was higher than the one I got through my broker. I don't know about anyone else but I can barely afford my own premiums much less someone else'. This is what it is all about - redistribution in another form of ugly.
Our best hospitals and doctors around here will not deal with Obamacare.
For every one good story on Obamacare rates I hear at least 10 bad stories.
I want some of what the liberals that haven't jumped the Obama train are drinking. I so need a day where everything from the last 5 years has been candy canes and unicorns. |
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 Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
The catastrophic policies that are now being offered are the same "junk policies" that the proponets of the ACA have loudly tauted through this whole process as examples of greedy insurance making money off bad policies and are now illegal policies under the ACA. You want to know how they are legally able to offer them now? There is a loophole that states if there is an unforseen event that can cause distress and harm you have to offer them a policy- guess what the government is using as the unforseen event to legally offer these polices - the ACA is being used as the castatophic event to make these policies legal for those whose policies have been canceled by the ACA. How ironic is that????
It is beyond me how any citizen can not be worried by a government who is trying to manage this massive program that is 1/6th of our economy but does not have the foresight to anticpate all the consequences that the ACA is causing. We have yet to see the tip of the iceberg of the unforseen effects of this plan. Insurance companies plan according to the polices stated by the laws of the ACA but then the law is changed which causes another ripple of unforseen negative consequences. (maybe not unforseen but designed to get us to a single payer system??) 2014 rates are going to be sky high since those signing up are the most expensive to insure, which is the reason the deadline was moved 2 weeks after the 2014 midterm elections- talk about playing politics, it ain't just the republicans.
Nancy
Edited by rodeomom3 2013-12-27 7:07 AM
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| I don't think many would dispute that health care needed reform and much sooner than later. My sister is a long time surgical nurse and she is appalled at the waste in the system. However, forcing EVERYONE to purchase something they might not want or is more expensive than what they had is not 'reform'. It is tyranny.
Based on historical, how on earth can anyone believe that the government can manage something more economically than the private sector? Health care reimbursement has not really been 'private sector' for a long time since insurance has taken over. I worked for a surgeon many years ago who was concerned about his patients. Doc was upset that instead of the relationship being between the patient and the doctor, insurance companies were inserting themselves between the two and making health care decisions. It has turned out just as he feared. By the way he was a great surgeon--was a bomber pilot in WWII, chief of surgery at Washington University, a professor and got his law degree at the age of 70. I feel he had a unique perspective on the medical field and it's too bad he is gone now.
Edited by MO gal 2013-12-27 7:20 AM
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
As usual you deflect. So funny that you continue to screech Progressive mind set. One size does not fit all in the Democratic party. But I suspect you actually know that. It is easier to call names than address the issues.
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | *robin* - 2013-12-27 6:22 AM Stitch4k9 - 2013-12-27 12:17 AM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen Me personally I am aware it is private insurance through Obamacare but Obamacare is government ran. Perhaps I should say that I have insurance through a private exchange. There are private exchanges and they are starting to ramp up and become more popular due to Obamacare. The very age group that Obama wished to target with his ACA, "cough" is starting up their own exchange. As long as their policies meet the Obamacare guidelines they are good to go. I find it interesting that my salary as well as my husband's was required to get a quote through Obamacare and it was higher than the one I got through my broker. I don't know about anyone else but I can barely afford my own premiums much less someone else'. This is what it is all about - redistribution in another form of ugly. Our best hospitals and doctors around here will not deal with Obamacare. For every one good story on Obamacare rates I hear at least 10 bad stories. I want some of what the liberals that haven't jumped the Obama train are drinking. I so need a day where everything from the last 5 years has been candy canes and unicorns.
Robin,
Sorry but much of your post makes no sense. There is NO Obamacare insurance policy. The Doctors, hospitals can not tell if my policy through BCBS is through the exchange or not. As with ALL insurance many are either in net work or out of net work. That is why I spent some time on the phone with the INSURANCE company making sure my Docs were included.
No clue what you are saying about your "salary" being required to get a quote. Is your employer requiring a quote outside of company plans.
It would be great if we could go back and leave insurance out of the mix. I am old enough to remember actually paying the Doc and the hospital for services. And it didn't break the bank to do so. Insurance companies were not making bank by deciding what a hospital could charge. Nor were they the ones to make treatment decisions.
BTW - the koolaid coments are old and tired. This nation allows for differing opinions. That is why we have elections.
karen |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Good morning. Karen. I would say the "WWJD" cliche' is a deflection, if anything. I have gone into extensive detail for years on BHW about the problems with healthcare and how it can be fixed. Government controlled healthcare is not the answer. You know darned well that ObamaCare is merely a stage in the eventual "transformation" into a single payor system. I think this chaos and anger is by design, if you ask me. Obama has said that his ultimate goal is socialized medicine. This has the "appearance" of private sector, but that is a stepping stone and you know it. You selectively use anecdotes, but you conveniently omit the anecdotes of the people whose lives have been all but decimated by ObamaCare.
Every single time I have pointed out how you never criticise a liberal-progressive politician you side step that issue. At least there are liberals out there who are disgusted with this whole fiasco. |
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I Will Not Keep Silent
Posts: 1922
Location: GA | Stitch4k9 - 2013-12-27 8:49 AM
*robin* - 2013-12-27 6:22 AM Stitch4k9 - 2013-12-27 12:17 AM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen Me personally I am aware it is private insurance through Obamacare but Obamacare is government ran. Perhaps I should say that I have insurance through a private exchange. There are private exchanges and they are starting to ramp up and become more popular due to Obamacare. The very age group that Obama wished to target with his ACA, "cough" is starting up their own exchange. As long as their policies meet the Obamacare guidelines they are good to go. I find it interesting that my salary as well as my husband's was required to get a quote through Obamacare and it was higher than the one I got through my broker. I don't know about anyone else but I can barely afford my own premiums much less someone else'. This is what it is all about - redistribution in another form of ugly. Our best hospitals and doctors around here will not deal with Obamacare. For every one good story on Obamacare rates I hear at least 10 bad stories. I want some of what the liberals that haven't jumped the Obama train are drinking. I so need a day where everything from the last 5 years has been candy canes and unicorns.
Sorry but much of your post makes no sense. There is NO Obamacare insurance policy. The Doctors, hospitals can not tell if my policy through BCBS is through the exchange or not. As with ALL insurance many are either in net work or out of net work. That is why I spent some time on the phone with the INSURANCE company making sure my Docs were included.
No clue what you are saying about your "salary" being required to get a quote. Is your employer requiring a quote outside of company plans.
It would be great if we could go back and leave insurance out of the mix. I am old enough to remember actually paying the Doc and the hospital for services. And it didn't break the bank to do so. Insurance companies were not making bank by deciding what a hospital could charge. Nor were they the ones to make treatment decisions.
BTW - the koolaid coments are old and tired. This nation allows for differing opinions. That is why we have elections.
karen
I did not say there was an Obamacare insurance policy. Many hospitals and doctors are opting out of Obamacare. My individual plan I bought outside of Obamacare will be accepted.
I own my own business and my household income was required for a quote.
Yes the koolaid comments are getting old and I was actually referencing something much stronger. I got an earful from a handful of liberals last night that honestly think the last 5 years have been the best ever under any President. That is also getting old. You have to be severly clueless to continue to think that way.
Edited by *robin* 2013-12-27 8:14 AM
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | rodeomom3 - 2013-12-27 6:39 AM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
The catastrophic policies that are now being offered are the same "junk policies" that the proponets of the ACA have loudly tauted through this whole process as examples of greedy insurance making money off bad policies and are now illegal policies under the ACA. You want to know how they are legally able to offer them now? There is a loophole that states if there is an unforseen event that can cause distress and harm you have to offer them a policy- guess what the government is using as the unforseen event to legally offer these polices - the ACA is being used as the castatophic event to make these policies legal for those whose policies have been canceled by the ACA. How ironic is that????
It is beyond me how any citizen can not be worried by a government who is trying to manage this massive program that is 1/6th of our economy but does not have the foresight to anticpate all the consequences that the ACA is causing. We have yet to see the tip of the iceberg of the unforseen effects of this plan. Insurance companies plan according to the polices stated by the laws of the ACA but then the law is changed which causes another ripple of unforseen negative consequences. (maybe not unforseen but designed to get us to a single payer system??) 2014 rates are going to be sky high since those signing up are the most expensive to insure, which is the reason the deadline was moved 2 weeks after the 2014 midterm elections- talk about playing politics, it ain't just the republicans.
Nancy
Nancy,
Please point out where I said it was one party or the other. Oh thats right I did NOT! I said STATES. We actually have both parties in our state and they managed to sit down like adults and make it work. What a concept.
But if you want to continue to point fingers. What did the R's suggest? Where was their magical plan? Now they say repeal and ............... do what? Leave the insurance companies to run the system? Let them continue to play on the fears of the consumer and raise rates yet deny payment of services?
And it is beyond me how any citizen could not be concerned about the health care mess we have been in for many, many years. 70% off bankruptcy caused by medical bills. Why is it no one screamed the sky is falling when Romney Care was implemented? Or did it work and the other side just didn't want to admit it?
The loopholes you are so fond of are being used by the INSURANCE companies. Should some of them be changed? Probably. But at least be honest that it is the Insurance companies using every legal loophole they can find to charge more, offer less and point fingers.
karen |
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Hungarian Midget Woman
Location: Midwest | In terms of the ACA being good for healthcare.... at least in terms of standard of care, as well as research and innovation.... well let's just say that research is being cut drastically.... partially due to cuts in government funding, and partially due to hospitals trying to make their bottom line.
ETA: In other words, patients will recieve status quo or lower than SOC treatments, thanks to all this government involvement, over the coming years.
Edited by barrelracr131 2013-12-27 8:45 AM
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Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-27 8:10 AM rodeomom3 - 2013-12-27 6:39 AM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
You did not read my statement where I agreed reform was needed but let states decide what they need. There was much to learn from Mitts plan, unfortunately they did not.
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
The catastrophic policies that are now being offered are the same "junk policies" that the proponets of the ACA have loudly tauted through this whole process as examples of greedy insurance making money off bad policies and are now illegal policies under the ACA. You want to know how they are legally able to offer them now? There is a loophole that states if there is an unforseen event that can cause distress and harm you have to offer them a policy- guess what the government is using as the unforseen event to legally offer these polices - the ACA is being used as the castatophic event to make these policies legal for those whose policies have been canceled by the ACA. How ironic is that????
It is beyond me how any citizen can not be worried by a government who is trying to manage this massive program that is 1/6th of our economy but does not have the foresight to anticpate all the consequences that the ACA is causing. We have yet to see the tip of the iceberg of the unforseen effects of this plan. Insurance companies plan according to the polices stated by the laws of the ACA but then the law is changed which causes another ripple of unforseen negative consequences. (maybe not unforseen but designed to get us to a single payer system??) 2014 rates are going to be sky high since those signing up are the most expensive to insure, which is the reason the deadline was moved 2 weeks after the 2014 midterm elections- talk about playing politics, it ain't just the republicans.
Nancy
Please point out where I said it was one party or the other. Oh thats right I did NOT! I said STATES. We actually have both parties in our state and they managed to sit down like adults and make it work. What a concept.
But if you want to continue to point fingers. What did the R's suggest? Where was their magical plan? Now they say repeal and ............... do what? Leave the insurance companies to run the system? Let them continue to play on the fears of the consumer and raise rates yet deny payment of services?
And it is beyond me how any citizen could not be concerned about the health care mess we have been in for many, many years. 70% off bankruptcy caused by medical bills. Why is it no one screamed the sky is falling when Romney Care was implemented? Or did it work and the other side just didn't want to admit it?
The loopholes you are so fond of are being used by the INSURANCE companies. Should some of them be changed? Probably. But at least be honest that it is the Insurance companies using every legal loophole they can find to charge more, offer less and point fingers.
karen
Castatrophic polices were made illegal by the ACA, them made legal again by the ACA.
I stated above, let the states decide, there was much to learn from Mitt's plan on the state level, unfortunately Obama' s administration did not. They were not even competent enough to have one person in charge of the ACA. They just recently put a chairman in place. It is ridiculous.
Edited by rodeomom3 2013-12-27 8:28 AM
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-27 7:53 AM Good morning. Karen. I would say the "WWJD" cliche' is a deflection, if anything. I have gone into extensive detail for years on BHW about the problems with healthcare and how it can be fixed. Government controlled healthcare is not the answer. You know darned well that ObamaCare is merely a stage in the eventual "transformation" into a single payor system. I think this chaos and anger is by design, if you ask me. Obama has said that his ultimate goal is socialized medicine. This has the "appearance" of private sector, but that is a stepping stone and you know it. You selectively use anecdotes, but you conveniently omit the anecdotes of the people whose lives have been all but decimated by ObamaCare. Every single time I have pointed out how you never criticise a liberal-progressive politician you side step that issue. At least there are liberals out there who are disgusted with this whole fiasco.
Like it or not Doc I do ask WWJD. It is part of my relationship with my God. You can call it a deflection if you like. Does not make it so.
Yes you have gone on and on and on about YOUR solutions. But have you actually sat down with a politican to discuss it?
I notice you conveniently don't want to discuss the insane prices for drugs, the corp buy out of community hospitals, etc. Skip the root of the problem and jump directly to the political party.
You want to rail about your experience with socialized medicine. Yet you seem rather silent about the FACT that insurance companies have held citizens hostage in their care for decades.
karen
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"aint no Barbie"
Posts: 2272
Location: san antonio texas | HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets.
I'd like to know as well. If I were Queen I'd kick everyone out of this country that voted for Obama. |
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Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-27 8:29 AM HotbearLVR - 2013-12-27 7:53 AM Good morning. Karen. I would say the "WWJD" cliche' is a deflection, if anything. I have gone into extensive detail for years on BHW about the problems with healthcare and how it can be fixed. Government controlled healthcare is not the answer. You know darned well that ObamaCare is merely a stage in the eventual "transformation" into a single payor system. I think this chaos and anger is by design, if you ask me. Obama has said that his ultimate goal is socialized medicine. This has the "appearance" of private sector, but that is a stepping stone and you know it. You selectively use anecdotes, but you conveniently omit the anecdotes of the people whose lives have been all but decimated by ObamaCare. Every single time I have pointed out how you never criticise a liberal-progressive politician you side step that issue. At least there are liberals out there who are disgusted with this whole fiasco. Like it or not Doc I do ask WWJD. It is part of my relationship with my God. You can call it a deflection if you like. Does not make it so.
Yes you have gone on and on and on about YOUR solutions. But have you actually sat down with a politican to discuss it?
I notice you conveniently don't want to discuss the insane prices for drugs, the corp buy out of community hospitals, etc. Skip the root of the problem and jump directly to the political party.
You want to rail about your experience with socialized medicine. Yet you seem rather silent about the FACT that insurance companies have held citizens hostage in their care for decades.
karen
The ACA does nothing to reduce the cost of drugs or health care, it does not address the root of the problems our health care system. |
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 ...Dot Dot Dot...
Posts: 2062
Location: SW New Mexico | Well.
I am losing my SCI on Jan 1st...
I went to the "exchanges"
I refused to give my name, and all they wanted to know was how much money I make, which varies as I am boarding horses..
I make too much for Medicaid, and am in the "middle" as far as income..
The only quote I could get out of 4 places was BCBS... $485.00 month (silver plan) $3.000 deductible, and $35.00 co-pays..
That's almost as much as what I pay for my mortgage!!
I had a routine mammogram last monday ..along with my developmentally disabled sister.
I got a phone call.. My sisters is fine. They want me back..
I won't have insurance after the 1st.
So they can't get me in before that. There's no funding left for breast cancer screenings, no indigent funds.. nothing after the first, due to the ACA law.and the guidelines..
So, looks like I won't get to find out what the Dr. read, because, I cannot afford it.
SURE, If I quit working, I can get "free healthcare" ,but the government will want to collect my assets after I die. That's been in place for a while.. Ain't nothing free...
I have a friend who survived breast cancer, who lost her job, due to Obamacare, and she now cannot afford the 10.000 out of pocket costs, for routine medical ...every 3 months she has to go in.
So, if she gets breast cancer again.. she has already stated ,, it'll be a death sentence..
What it appears to me is this wonderful. caring administration... WANTS people to quit working and become wards of the state..
Not a good thing.
Thank you for letting me rant....
It angers me what this country is becoming..   |
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 Always Off Topic
Posts: 6382
Location: ND | -there are more uninsured now than before ACA
-the vast majority of those that have been forced from their prior insurance into the ACA exchanges are paying substantially more
-fees, taxes and other fees are not included in what the cost actually is for each individual
-the coverage expense quotes through the federal and most state websites are lower than the actual premium will be
-those that do receive cheaper premiums or subsidies will make that up if they have to utilize the healthcare system by the extreme increase in deductibles across the board
-no one figures in the extra cost that actual taxpayers are footing to provide the ever growing amount of subsidy that is currently and will forever be needed to keep the insurance industry afloat....until single payer evolves
-people think that having insurance affords them access to every able amount of health care there is...it never did and now, through ACA, is rationed even further....ACA has sped up the rationing of healthcare and will continue to do so at light speed.....
-again, back to taxpayers, that are footing the bill, from their paycheck for an unprecedented medicaid expansion that will also strap state budgets over the next ten years and beyond
-the lauding of state exchanges ignores the fact that several state exchanges are completely dysfunctional and can't handle any web traffic and their application process is massively cumbersome.....
......i could go on for pages....and yet the actual benefits from the ACA that do some good can fit in one small paragraph..... |
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Always Off Topic
Posts: 6382
Location: ND | jettster - 2013-12-27 9:04 AM Well. I am losing my SCI on Jan 1st... I went to the "exchanges" I refused to give my name, and all they wanted to know was how much money I make, which varies as I am boarding horses.. I make too much for Medicaid, and am in the "middle" as far as income.. The only quote I could get out of 4 places was BCBS... $485.00 month (silver plan ) $3.000 deductible, and $35.00 co-pays.. That's almost as much as what I pay for my mortgage!! I had a routine mammogram last monday ..along with my developmentally disabled sister. I got a phone call.. My sisters is fine. They want me back.. I won't have insurance after the 1st. So they can't get me in before that. There's no funding left for breast cancer screenings, no indigent funds.. nothing after the first, due to the ACA law.and the guidelines.. So, looks like I won't get to find out what the Dr. read, because, I cannot afford it. SURE, If I quit working, I can get "free healthcare" ,but the government will want to collect my assets after I die. That's been in place for a while.. Ain't nothing free... I have a friend who survived breast cancer, who lost her job, due to Obamacare, and she now cannot afford the 10.000 out of pocket costs, for routine medical ...every 3 months she has to go in. So, if she gets breast cancer again.. she has already stated ,, it'll be a death sentence.. What it appears to me is this wonderful. caring administration... WANTS people to quit working and become wards of the state.. Not a good thing. Thank you for letting me rant.... It angers me what this country is becoming..
485/mo with 3000 deductible and 30 copays is not to bad depending on what the actual coverage is......not sure why people think they should get 150/ mo with 1000 deduct, 10 copays and coverage for everything.....no system can afford that....unless you are willing to go single payer, significant rationing and pay a big VAT and other taxes and fees to support that system....like canada.....although that system only works well for relatively healthy people....and they are actually moving towards a more private system for some aspects... |
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"Heck's Coming With Me"
Posts: 10797
Location: Kansas |
Obama's staffers symbolically signed our sorry excuse for a president up for ACA last weekend when we all know he has the finest healthcare policy taxpayer money can buy.
"If you like your plan, you can keep your plan" certainly works for him and his family. Not so much for the rest of us.
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Living on the edge of common sense
Posts: 24138
Location: Carpenter, WY | angelica - 2013-12-26 6:16 PM My turn! We went from $750 a month, $300 deductable and insurance pays 90. TO $1650 a month, $5000 deductable, insurance pays 80%. We were warned after 14 months it will go up to $2200 a month, $10,000. deductable and insurance pays 80% for Family of 5! Obama did this for the low income adults to get medicaid! In the past it was just children and pregnant women. He set it up so this country is forced to pay for all the adults that have no insurance. Well guess what the insurance company is sticking it to the people who do! The minority now have health insurance to add to the free ride they are owed right?
WOW.....so what happens if you just flat can't afford those premiums?? Are you forced into Medicaid
Edited by teehaha 2013-12-27 9:40 AM
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 Googly Goo
Posts: 7053
| dhdqhllc - 2013-12-27 9:07 AM -there are more uninsured now than before ACA
.....
The last number I heard was 5 million lost their coverage and not even a million have signed up for new coverage.
Wasn't ACA supposed to add 23 million to the insured category?
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Googly Goo
Posts: 7053
| Stitch4k9 - 2013-12-27 8:29 AM I notice you conveniently don't want to discuss the insane prices for drugs, the corp buy out of community hospitals, etc. Skip the root of the problem and jump directly to the political party.
You want to rail about your experience with socialized medicine. Yet you seem rather silent about the FACT that insurance companies have held citizens hostage in their care for decades.
karen
ACA has set about 5 million hostages free.
Why do you think so many community hospitals have sold to corporate consolidators?
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Uh....never mind
Posts: 2696
Location: Midwest Farmer's Daughter: Central Illinois | I want an insurance policy that costs me $100/month, $10/co-pay with $1000/deductible = A 1D/rodeo winning automatic horse with no health or soundness issues for $2500.
Come on, people.
I posted earlier that my mom's premium & deductible tripled. She is a 58 year old married woman who works part-time as a nurse & pulls in a couple thousand a month. Maybe. She pays her own individual insurance herself.
She, as a POST-MENOPAUSAL WOMAN, HAS TO PAY FOR MATERNITY INSURANCE. She might as well pay for prostate insurance too! That is just ONE thing that was added to her existing plan, that she was perfectly happy with, that she CANNOT opt out of! Just one thing...there are many other things!
She is a nurse. She said that in the almost 10 years she has been nursing, the amount of people who are completely abusing the system has multiplied so that almost 1/3 of her patients shouldn't even be there. Like the homeless woman who is admitted regularly but after countless tests they can't find why she is 'in pain'. Or the cocaine addict whose heart is blown up so he is on the list for surgery. Or the woman whose abusive boyfriend moves into the hospital room with her, ordering food from the cafeteria every hour & screaming at every male that walks within 10 feet of her door. Let's not forget the families who can't let 95-year-old grandma, who doesn't even know who she is, just die in peace; let's rip her chest open for heart surgery to keep her alive (& in even more pain) for another year. ALL OF THIS IS ON THE TAXPAYERS.
So please, people (person...) who LOVE the system, explain to me how this helps those of us who are rarely sick, rarely go to the doctor & generally only need insurance for checkups. The middle class is being sucked dry, while the poor pay for nothing & the rich don't mind because they can afford it. Don't even get me started on the 'estate tax'. The middle class is going to turn into the poor & then we will have poor & rich. That is it. Thank you, stupid stupid people.
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | One of Obama's best one liners for selling Obamacare was "denying coverage for pre-existing conditions".....To justify a 2,573 page law .....which was less than 1% of the US population.....simply not a major problem.... As you were lead to believe. But as it goes create a crisis and then have solution to solve it.... all in the greater good.
Why couldn't this be addressed instead of tearing up the entire health care system...........
As for the cost......Here you go........the facts...........for example......California's shop-and-compare tool shows that a 58-year-old couple in Los Angeles County with $65,000 in income buying a bronze plan would have to spend $19,400, including $9,400 in premiums and a $10,000 deductible.
http://news.investors.com/politics-obamacare/122613-684287-obamacare-middle-class-subsidy-cliff-for-older-americans.htm
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 Own It and Move On
Location: The edge of no where | RLB - 2013-12-27 9:45 AM I want an insurance policy that costs me $100/month, $10/co-pay with $1000/deductible = A 1D/rodeo winning automatic horse with no health or soundness issues for $2500. Come on, people. I posted earlier that my mom's premium & deductible tripled. She is a 58 year old married woman who works part-time as a nurse & pulls in a couple thousand a month. Maybe. She pays her own individual insurance herself. She, as a POST-MENOPAUSAL WOMAN, HAS TO PAY FOR MATERNITY INSURANCE. She might as well pay for prostate insurance too! That is just ONE thing that was added to her existing plan, that she was perfectly happy with, that she CANNOT opt out of! Just one thing...there are many other things! She is a nurse. She said that in the almost 10 years she has been nursing, the amount of people who are completely abusing the system has multiplied so that almost 1/3 of her patients shouldn't even be there. Like the homeless woman who is admitted regularly but after countless tests they can't find why she is 'in pain'. Or the cocaine addict whose heart is blown up so he is on the list for surgery. Or the woman whose abusive boyfriend moves into the hospital room with her, ordering food from the cafeteria every hour & screaming at every male that walks within 10 feet of her door. Let's not forget the families who can't let 95-year-old grandma, who doesn't even know who she is, just die in peace; let's rip her chest open for heart surgery to keep her alive (& in even more pain) for another year. ALL OF THIS IS ON THE TAXPAYERS. So please, people (person...) who LOVE the system, explain to me how this helps those of us who are rarely sick, rarely go to the doctor & generally only need insurance for checkups. The middle class is being sucked dry, while the poor pay for nothing & the rich don't mind because they can afford it. Don't even get me started on the 'estate tax'. The middle class is going to turn into the poor & then we will have poor & rich. That is it. Thank you, stupid stupid people.
We are the ones that are seriously screwed.
Lots of my friends are single late 20s-early 30s, very few have kids.
We all have degrees and decent jobs, no one smokes, most everyone takes care of themselves.
So now, because we've been responsible....we're paying for it. Deductibles are tripling, premiums and jumping....but hey, now some one that doesn't work can have maternity coverage. Why do people have kids when they can't pay for them? I see the stories of the single moms with multiple baby daddies that work min wage that now obamacare is helping. I don't get why the rest of us have to pay for their poor decisions. Yeah, their life might suck, but it's because they made it that way. |
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...Dot Dot Dot...
Posts: 2062
Location: SW New Mexico | teehaha - 2013-12-28 8:37 AM
angelica - 2013-12-26 6:16 PM My turn! We went from $750 a month, $300 deductable and insurance pays 90. TO $1650 a month, $5000 deductable, insurance pays 80%. We were warned after 14 months it will go up to $2200 a month, $10,000. deductable and insurance pays 80% for Family of 5! Obama did this for the low income adults to get medicaid! In the past it was just children and pregnant women. He set it up so this country is forced to pay for all the adults that have no insurance. Well guess what the insurance company is sticking it to the people who do! The minority now have health insurance to add to the free ride they are owed right? WOW.....so what happens if you just flat can't afford those premiums?? Are you forced into Medicaid
YES>>
I just came from a ACA sign up deal..
I took my tax return from 2012.
and I was informed I qualify for Medicaid. That is with 1.700 per month. and that varies.. I board horses..
There is a clause on the bottom of the last page, if you sign up for Medicaid , the government will be real interested in your real estate assets when you die. They like to be paid back...So, I was informed that yes, there are those who opt to NOT get Medicaid because of that little gem..There is no compromise.. get subsidized Medicaid or else pay the "fine" at tax time ..... >:(
OR I will be "forced" to buy full price insurance..
READY for this ?? The state of NM is already a MONOPOLY .. 3 insurance companies..
Presbyterian, Molina , and Blue Cross /Blue Shield..
United health and other private ins cant offer insurance coverage in the state of NM , Theresa from United just informed me of that.. after being on hold 12 minutes.. So much for land of the free.............
On the BewellNM.com site, for a female, 52 , non tobacco user..
the NM Health Connections -Bronze plan pays only 60% , has out of pocket costs of 6.350.00 , a deductible of $2.500.00 and 301.40 per month premium..
BCBS Bronze-has a out of pocket 6.000.00 , 6.000 deductible and it's $326.21 per month...
Presbyterian. Molina, all similar with the highest being BCBS Gold- at 3.000 out of pocket - 1.000 deductible and $$$$571.65 per month..
That isn't even touching the catastrophic that I may HAVE to get if I do have breast cancer...
Thank you Glorious Leader...
Edited by jettster 2013-12-27 3:58 PM
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Where my husband retired from, the amount of their premiums goes by what they make. I find this very scary. What will be next? Groceries, fuel, cars etc? If something is worth 5 cents someone else shouldn't have to pay 10 cents or 20 cents.
When he first went on the police force, everyone paid the same amount for insurance. That is what a group policy does. Now that has changed and I see it as America opening the door to Socialism.
Edited by Nevertooold 2013-12-27 4:28 PM
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 Elite Veteran
Posts: 974
Location: In the wrong place at the wrong time | ACA has done absolutley nothing for my husband and me except cost me more of which I don't have.
After years of fighting to stay in business the wonderful tax and spend state of MD( one of the most liberal in the union) taxed and spent us out of business and my husband out of a job.
We had to decide between keeping health insurance (self-purchased) and keeping the lights on. The health insurance had to go. We are 50 years old and can NOT afford to buy health insurance.
We do not qualify for subsidies and now not only do we not have insurance but we will be fined for it!
Can ANYONE explain to me how this helps me?
I'd especially love to hear from Karen. |
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 Warmblood with Wings
Posts: 27846
Location: Florida.. | Stitch4k9 - 2013-12-27 8:34 AM HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
are you saying NOW they will get help????
not how obamacare works.. |
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 Purveyor of unconventional wisdom
Posts: 17112
Location: CA | Just a reminder....
Never try to teach a pig to sing, all it does is upset you and frustrate the pig.
Okay... carry on.. :) |
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 Proud to be Deplorable
Posts: 1929
| T turning 3 - 2013-12-27 5:19 PM
Just a reminder....
Never try to teach a pig to sing, all it does is upset you and frustrate the pig.
Okay... carry on.. :)
Darn Girl That fits so well!!!! |
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Grammar Expert
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I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system...............
Edited by smiley 2013-12-27 7:43 PM
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 Veteran
Posts: 137
Location: ILLINOIS | I never go to the hospital, even when I injure myself severely. Never had insurance, so just never went.
I do pay out of my pocket for regular doctor visits.
Do we HAVE to have insurance? This is just ridiculous! |
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| I am ashamed of any American that would even think of signing up for Obamacare ... you do know you have no insurance until they get the first payment ...
I will go to jail before paying a penny in fines or premiums for Obamacare ... period!!
Here is how I see OBAMACARE ....
AMERICAN CAROL with Michael Malone
http://youtu.be/9C97P1vU3VI
Edited by BARRELHORSE USA 2013-12-27 10:08 PM
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | T turning 3 - 2013-12-26 6:19 PM Just a reminder....
Never try to teach a pig to sing, all it does is upset you and frustrate the pig.
Okay... carry on.. :)
I have to borrow that saying! love it! |
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Sock Snob
Posts: 3021
| A 3000.00 to 5000.00 deductable for,someone who has chronic problems, is a license for bankrupsy, it is alright for someone who is healthly but what if you are not what happens. take a family of four two adults and two kids thats about 800.00 a month in copays plus price of insurance say is 500.00 and then insurance kicks in to 80/20. People that is a lot of money just what i have written is 1300.00 a month, plus for mortgage, car payment but you say they my not, but i do know little kids have check up and other visits and theyndo get sick and if one gets sick the other one catches same bug no counting any parents. This aca is going to cause a lot of bankruptsys cause people to forgo insurance with a 10000deduct you might as well not have insurance. |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Roughly 21 people have posted on this thread. 19 people have basically expressed their disgust for ObamaCare, 1 sounds ambivalent, and 1 sounds like she thinks it's the best thing since the invention of the wheel. Most have shared their own personal experience, and none of the so-called "affordable" care act examples cited sounds even remotely "affordable". |
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 How freakish is that?
Posts: 3927
Location: Oregon | Probably because they are afraid. |
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 I'm not opinionated
Posts: 4597
Location: Online | I just love that there are people out there still trying to defend this atrocity. I'm just **** glad and thank God that my hubby has good health coverage through work so I don't have to put up with the bull****.
I feel terrible for those who will suffer because of our Dictator in Chief's grand plan of destroying the middle class. |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | smiley - 2013-12-27 7:40 PM
I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system...............
I hope everyone gets a chance to read this, because this is a good example of healthcare of the future. Like it or not, there will be rationing and waiting in line. The root problem in all of this is healthcare costs that are unaffordable and we are searching for some magic bullet...some magic insurance plan that will cover expenses but not cost too much. Well, I have news....there is NO such thing. The only way to make healthcare affordable is to charge citizens with the responsibility in some fashion. The role of government would be to eliminate barriers to competition across state lines, enact some kind of torte reform, etc...
HSAs and Catastrophic coverage is really a good way of getting runaway costs under control.
The Obamunists like Karen try to emphasize that ObamaCare is not government healthcare. They are lying through their teeth, because ObamaCare is just a stage.....a first step toward their socialist utopian state. This is not a new concept. Obama himself has been captured on video talking about his goals for a single payor......and yet Karen and her ilk try telling us this is not government healthcare.
Go back and read dhdqhllq's posts.....he's right on the money.
Whenever a liberal progressive pulls the "WWJD" out of their bag of tricks I know they are in trouble. They love using the "WWJD" expression selectively.
You never see a liberal progressive use that expression when they are arguing in favor of infanticide. |
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I Will Not Keep Silent
Posts: 1922
Location: GA | They say the death panels do not exist but wouldn't cutting a person off at a certain age for certain medical procedures especially those life saving would be liken to a death panel?
To me refusing a healthy/unhealthy seventy year old person or whatever the age is, can't remember to cancer treatment most certainly IMO is could be a death sentence. This exist thanks to this wonderful thing they are calling healthcare reform and affordable. Need some form of transplant watch out. |
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...Dot Dot Dot...
Posts: 2062
Location: SW New Mexico | *robin* - 2013-12-29 6:57 AM
They say the death panels do not exist but wouldn't cutting a person off at a certain age for certain medical procedures especially those life saving would be liken to a death panel?
To me refusing a healthy/unhealthy seventy year old person or whatever the age is, can't remember to cancer treatment most certainly IMO is could be a death sentence. This exist thanks to this wonderful thing they are calling healthcare reform and affordable. Need some form of transplant watch out.
Sarah Palin was right, there are death panels in this horrible law....
At least she read it back in 2010..
My friend who had high risk insurance, due to breast cancer, has had her policy go up to the point she CANNOT afford it, any more. She has stated that if she gets sick again it WILL be a death sentence, and she lost her job , in a medical office due to Obamacare regulations...
It's just getting worse out there.
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 Nicknameless
Posts: 4565
Location: I can see the end of the world from here! | Health care...what a mess! I still fail to see how anyone can view insurance or healthcare as a 'right'. Will we lose the right to refuse treatment, too?
I now have an HSA...$280 a month, $6000 deductable, 100% in network after that. 70/30 out of network. It's not too much, yet (I'm sure it will go up), however, I fully resent the requirement to carry insurance...reminds me of the joke about the lion in the jungle, roaring & scaring all the other critters away until he comes to a monkey on the trail...the lion roars...the monkey just looks at him with pitiful eyes...the lion finally asks why he's not running...the monkey says, "But, I've been sick".
Yup. We're choosing the zoo over the jungle. Not wise. All these laws remove our legal ability to be discerning, to make choices...thereby, annihiliating any & all divine master plan for mankind. For those not inclined to believe in a Supreme Power, consider that this affects whatever personal dreams & potential you hold for yourself, too...either way we lose.
It will crater...
eta: I did NOT visit the official website...will not, I'll go without insurance before I sign up through the ACA. I'm stubborn that way.
Edited by musikmaker 2013-12-28 8:52 AM
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I'm a Cry Baby
Posts: 3781
Location: n.c. | I wasn't aware of the fact that basically, if you get subsidized, the gov't will want to be paid back. Thank you so much for that info.
Guess I will stick to my original plan and not sign up thru the gov't website. Didn't plan to anyway; will definitely not do so now.
What I have, which is a supplemental policy as that is all I can afford, is pay the penalty. No other choice for me. I'm doing what I can but it won't be enough to satisfy those in power. |
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Grammar Expert
| HotbearLVR - 2013-12-28 6:47 AM smiley - 2013-12-27 7:40 PM
I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system............... I hope everyone gets a chance to read this, because this is a good example of healthcare of the future. Like it or not, there will be rationing and waiting in line. The root problem in all of this is healthcare costs that are unaffordable and we are searching for some magic bullet...some magic insurance plan that will cover expenses but not cost too much. Well, I have news....there is NO such thing. The only way to make healthcare affordable is to charge citizens with the responsibility in some fashion. The role of government would be to eliminate barriers to competition across state lines, enact some kind of torte reform, etc... HSAs and Catastrophic coverage is really a good way of getting runaway costs under control. The Obamunists like Karen try to emphasize that ObamaCare is not government healthcare. They are lying through their teeth, because ObamaCare is just a stage.....a first step toward their socialist utopian state. This is not a new concept. Obama himself has been captured on video talking about his goals for a single payor......and yet Karen and her ilk try telling us this is not government healthcare. Go back and read dhdqhllq's posts.....he's right on the money. Whenever a liberal progressive pulls the "WWJD" out of their bag of tricks I know they are in trouble. They love using the "WWJD" expression selectively. You never see a liberal progressive use that expression when they are arguing in favor of infanticide.
I forgot to mention the "process" to get an appt in the first place.
So, if you are sick sick, you can go to the ER where you will be for 6 to 8 hours and that is not a joke. OR you can call first thing in the morning for a "same day" appt - something many private doctors are now charging extra for - and you can start calling when they open 6 am. If you are "standard" meaning you don't pay for tricare - you just get it from retirement - your chances of EVER getting a same day is about as good as winning the lotto.
They were closed Xmas eve and Xmas Day and the day after was family day, so the first chance I even had was on Friday to be seen. We "pay" a monthly premium to rise above standard to "prime" which is not what was sold to the military back in the day - so a lost priviledge of spending 20-30 years in the service. Still couldn't get in.
I work with a gal who has the same coverage. She has spent hte last three months in serious pain and has had to elevate everything to the patient advocate and then to the command at hte base because they diagnosed her incorrectly THREE times before she finally got the right MRI she needed (second one) on her shoulder, which shows a shoulder tear that she needs surgery for.
She was literally in tears daily trying to deal with these issues and had to fight hard for herself for them to understnad that it wasn't this dystrophy they wanted to label it and that it wasn't in her head and that it was something more. Sadly, story after story about poor to worthless care.
IMO - it would have been MUCH better to just expand medicaid, which is what this is to include anyone who has/had a preexisting condition and or has reached the limits of traditional insurance. I'm not totally sure how that looks, but what we have will not sustain itself.
Editied: lots of typos - still sick
Edited by smiley 2013-12-28 12:38 PM
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Always Off Topic
Posts: 6382
Location: ND | Schuy324 - 2013-12-27 7:55 PM I never go to the hospital, even when I injure myself severely. Never had insurance, so just never went. I do pay out of my pocket for regular doctor visits. Do we HAVE to have insurance? This is just ridiculous!
and the rest of us WILL be stuck paying for you if something catastrophic happens.....this is one of the huge problems of the system.....people don't want to have insurance but want to be cared for......unless you are a multimillionaire with plenty of liquid assets, excessive medical costs burden the rest of us.....in many more ways than most people think about.... |
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Shelter Dog Lover
Posts: 10277
| New ObamaCare fees coming in 2014
By S.A. Miller and Geoff EarleDecember 25, 2013 | 5:45am
Modal Trigger
Photo: AP Photo/Susan Walsh
FOLLOW THE STORY
Spanish language barrier on ObamaCare sign-ups
MDs sue ObamaCare insurer over dropped doctors
ObamaCare sank Democrat approval ratings: poll
ObamaCare deadline is eased
New ObamaCare fees coming in 2014
President signs up for ObamaCare – but won’t use it
SEE ALL 301 STORIES
WASHINGTON — Here comes the ObamaCare tax bill.
The cost of President Obama’s massive health-care law will hit Americans in 2014 as new taxes pile up on their insurance premiums and on their income-tax bills.
Most insurers aren’t advertising the ObamaCare taxes that are added on to premiums, opting instead to discretely pass them on to customers while quietly lobbying lawmakers for a break.
But one insurance company, Blue Cross Blue Shield of Alabama, laid bare the taxes on its bills with a separate line item for “Affordable Care Act Fees and Taxes.”
The new taxes on one customer’s bill added up to $23.14 a month, or $277.68 annually, according to Kaiser Health News. It boosted the monthly premium from $322.26 to $345.40 for that individual.
The new taxes and fees include a 2 percent levy on every health plan, which is expected to net about $8 billion for the government in 2014 and increase to $14.3 billion in 2018.
There’s also a $2 fee per policy that goes into a new medical-research trust fund called the Patient Centered Outcomes Research Institute.
Insurers pay a 3.5 percent user fee to sell medical plans on the HealthCare.gov Web site.
ObamaCare supporters argue that federal subsidies for many low-income Americans will not only cover the taxes, but pay a big chunk of the premiums.
But ObamaCare taxes don’t stop with health-plan premiums.
Americans also will pay hidden taxes, such as the 2.3 percent medical-device tax that will inflate the cost of items such as pacemakers, stents and prosthetic limbs.
Those with high out-of-pocket medical expenses also will get smaller income-tax deductions.
Americans are currently allowed to deduct expenses that exceed 7.5 percent of their annual income. The threshold jumps to 10 percent under ObamaCare, costing taxpayers about $15 billion over 10 years.
Then there’s the new Medicare tax.
Under ObamaCare, individual tax filers earning more than $200,000 and families earning more than $250,000 will pay an added 0.9 percent Medicare surtax on top of the existing 1.45 percent Medicare payroll tax. They’ll also pay an extra 3.8 percent Medicare tax on unearned income, such as investment dividends, rental income and capital gains.
Edited by rodeomom3 2013-12-28 4:23 PM
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 I Don't Brag
Posts: 6960
| Thankfully, I get to keep my high deductible insurance for another year without switching to O'care.
Can someone PLEASE explain to me about this supposedly affordable insurance, this fact that if people cannot afford the monthly premiums and must be subsidized, exactly HOW will they afford the high deductible if they actually USE their insurance????? For those that were uninsured before because they could not afford monthly premiums, 5 or 10K still means bankruptcy.
Why have I not heard ANYONE ask this question? |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | rodeoveteran - 2013-12-28 3:35 PM Thankfully, I get to keep my high deductible insurance for another year without switching to O'care. Can someone PLEASE explain to me about this supposedly affordable insurance, this fact that if people cannot afford the monthly premiums and must be subsidized, exactly HOW will they afford the high deductible if they actually USE their insurance????? For those that were uninsured before because they could not afford monthly premiums, 5 or 10K still means bankruptcy. Why have I not heard ANYONE ask this question?
Has anything that this administration has said been true? He is the Lyin King..
I look at it taking care of people that don't want to take care of themself. They will now have something they had no desire to work for but thought it was owed them.
Others are re-distributing their wealth to take care of the above.
Unfortunatley..others are falling into the donut hole that make too much to get free stuff but don't make enough that they can afford to pay for the now higher insurance costs. It sucks to be a responsible hard working individual with this administration.
If people had got as excited and informed with this BS like they did with Duck Dynasty...We wouldn't be having this conversation.
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Got to love this...Makes you want to know what schools or where they are getting their information.
~~Obama won the idiot youth vote nationally in 2012, 67 percent to 30 percent. What idiots.
A recent Harvard study found that 81% of young Democrats approved of the Affordable Care Act (ACA) but only 68% of young Democrats approved of Obamacare… It’s the same thing.
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 Extreme Veteran
Posts: 421
Location: Texas!! | I have BCBS of TX, and my brother called me, he is an insurance agent for State Farm. He said I have to make sure my policy is Obamacare approved, or I will still be fined, even though I have insurance. Also he wanted to make sure my son that was layed off had health insurance. He said he has to have (Obamacare approved)insurance at least 9 months out of the year or be fined. I asked who was going to regulate this and charge the fines. He said the IRS will when we file our income tax returns in 2014!!! Also the fines will be based on the head of households gross income! I am really worried about this! |
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Always Off Topic
Posts: 6382
Location: ND | does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? |
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Who Wants to Trade?
Posts: 4692
| I don't have a lot of information on this as I'm covered through work and choose to use their coverage for myself and my family. That said, I work for a private company that has some crazy rules. Because of those rules, our group health coverage has stayed affordable.
We are a nicotine free work place (firing offense), no candy or sugary stuff is in vending machines or lunch room, and only diet soda is available (water, tea, coffee too).
We can also voluntarily participate in a discount program where we get a discount if our bmi, cholesterol, blood sugar, and blood pressure all fall in their set ranges. It is a bit crazy....and itstarted when the ACA was passed.
Before ACA we paid less for more coverage. Now we pay more for less and jump through hoops to show we're healthy.
We are blessed though that it is affordable even if my husband has high blood pressure and doesnt qualify for a discount (dang genetics). We are very good about putting $$$ in our HSA and we tend to plan for worst case scenario. We aren't doing as well as we were, but we aren't bad either.....yet. |
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Proud to be Deplorable
Posts: 1929
| dhdqhllc - 2013-12-28 5:58 PM
does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....???????
95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund. |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
People still actually get refunds? LOL
O is doing everything he can to fix that little problem.
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Purveyor of unconventional wisdom
Posts: 17112
Location: CA | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Whew! I'm safe, I never get refunds....... |
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Purveyor of unconventional wisdom
Posts: 17112
Location: CA | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Whew! I'm safe, I never get refunds....... |
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Always Off Topic
Posts: 6382
Location: ND | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
that's what i thought....so what is everyone so freaked out about the fines for....heck, it's way cheaper if you really don't want to have insurance to just have them take 4-10 bucks out of your refund...... |
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Grammar Expert
| dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Do you all really think the ONLY way they will get their money is IF you get a tax refund?? Come on now..................they will get their fine money - period. And if they have to come after you, I'm sure there is a fine for the fine or a late fee or more. |
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Grammar Expert
| dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Math might not be your forte.
If your family makes $50K a year your fine will be at 2% - $1,000. Granted that will clearly be cheaper than any of their insurance plans, but WHY SHOULD you HAVE to pay this to decide for YOUR family that you don't want their idea of insurance? The whole thing is totally insane and I am glad that he is still in office for this debacle. |
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 Sock eating dog owner
Posts: 4557
Location: Where the pavement ends and the West begins Utah | The last thing I read for a fine is $4000 to Opt out and if not paid they take all of your belongings IE home and such. Then next year it goes up. |
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 Sweet Tea
Posts: 3496
Location: Home of the World Famous "Silver Bullet" | no. i will not take the mark !! |
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Expert
Posts: 1815
| So, if we have BCBS that is a grandfathered plan, even though it does not have all of the OBama mandates, why should we be fined at that point? This is the first I've heard of that and it scares the crap out of me! My agent said we are compliant (because of grandfathered??)........because I know it does not have maternity coverage for one.........?????
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Proud to be Deplorable
Posts: 1929
| smiley - 2013-12-28 7:39 PM
dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Yes it is in the act...The IRS can only hold up your tax refund. This is one the very few things the Rep. got the Dem. to accept when this got passed. The IRS is not allowed to go after any assets other than your future tax refunds. |
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Proud to be Deplorable
Posts: 1929
| cow pie - 2013-12-28 7:59 PM
The last thing I read for a fine is $4000 to Opt out and if not paid they take all of your belongings IE home and such. Then next year it goes up.
Totally not true. |
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Nicknameless
Posts: 4565
Location: I can see the end of the world from here! | jbhoot - 2013-12-28 8:03 PM smiley - 2013-12-28 7:39 PM dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund. Yes it is in the act...The IRS can only hold up your tax refund. This is one the very few things the Rep. got the Dem. to accept when this got passed. The IRS is not allowed to go after any assets other than your future tax refunds.
Thank god paying income taxes is voluntary...whew! |
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Don't Ask Me
Posts: 4077
| all i know is ive been sick for over a month-- hubby is worried..but i cant afford to take off work to go to the dr-- cause i have to pay this darn ins premiums..so if i take off 1 day it costs me big--- its ending up alot are sick at work due to this--o our company has seen this and is getting a nurse on sight for us and our families to get us healthy..or try to keep up healthy.
our company owner is not an obama lover by far... and you can tell every year he talks with anger when he talks about our insurances and the way this country has turned....our work has been here 75 years...im not sure we will make it another 2 with our normal size workforce
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | Bibliafarm - 2013-12-27 5:05 PM Stitch4k9 - 2013-12-27 8:34 AM HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
not how obamacare works..
Bibs,
Yes they will be allowed Chemo. Either by qualifying for Medi. or with insurance that will not be able to put a life time cap on their benefits. I have no idea what will happen with the young transplant patient. But should parents be forced to go fund raise in order to get a child on the list? They have insurance and have had since this child was born.
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-27 8:44 PM Roughly 21 people have posted on this thread. 19 people have basically expressed their disgust for ObamaCare, 1 sounds ambivalent, and 1 sounds like she thinks it's the best thing since the invention of the wheel. Most have shared their own personal experience, and none of the so-called "affordable" care act examples cited sounds even remotely "affordable".
And once again you refuse to actually READ. Just bash and name call.
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-28 7:47 AM smiley - 2013-12-27 7:40 PM
I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system............... I hope everyone gets a chance to read this, because this is a good example of healthcare of the future. Like it or not, there will be rationing and waiting in line. The root problem in all of this is healthcare costs that are unaffordable and we are searching for some magic bullet...some magic insurance plan that will cover expenses but not cost too much. Well, I have news....there is NO such thing. The only way to make healthcare affordable is to charge citizens with the responsibility in some fashion. The role of government would be to eliminate barriers to competition across state lines, enact some kind of torte reform, etc... HSAs and Catastrophic coverage is really a good way of getting runaway costs under control. The Obamunists like Karen try to emphasize that ObamaCare is not government healthcare. They are lying through their teeth, because ObamaCare is just a stage.....a first step toward their socialist utopian state. This is not a new concept. Obama himself has been captured on video talking about his goals for a single payor......and yet Karen and her ilk try telling us this is not government healthcare. Go back and read dhdqhllq's posts.....he's right on the money. Whenever a liberal progressive pulls the "WWJD" out of their bag of tricks I know they are in trouble. They love using the "WWJD" expression selectively. You never see a liberal progressive use that expression when they are arguing in favor of infanticide.
You know Doc I have dealt with your not so subtle crap for some time. Calling out my belief in God is not something that I will put up with.
Because I will not bow to your constant name calling and bullying you love to call me out. Hope it makes you feel important and superior. I think it makes you look small and sad.
karen
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
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Veteran
Posts: 165
| Wow! I'm glad I live in Canada. Our medical system is far from perfect, but it is quite affordable, I pay around $100 per month and the premiums are based on your annual income, there is no deductable and nobody is denied medical treatment of any kind if they need it, although the waiting list can be long at times. I'm not sure how some of the people down there are going to be able to pay their bills and eat, just to afford their monthly premiums, never mind coming up with the huge deductables if you are sick or hurt and unable to work. I sure hope they come to their senses and get you a better system soon. |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Stitch4k9 - 2013-12-28 11:24 PM
HotbearLVR - 2013-12-28 7:47 AM smiley - 2013-12-27 7:40 PM
I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system............... I hope everyone gets a chance to read this, because this is a good example of healthcare of the future. Like it or not, there will be rationing and waiting in line. The root problem in all of this is healthcare costs that are unaffordable and we are searching for some magic bullet...some magic insurance plan that will cover expenses but not cost too much. Well, I have news....there is NO such thing. The only way to make healthcare affordable is to charge citizens with the responsibility in some fashion. The role of government would be to eliminate barriers to competition across state lines, enact some kind of torte reform, etc... HSAs and Catastrophic coverage is really a good way of getting runaway costs under control. The Obamunists like Karen try to emphasize that ObamaCare is not government healthcare. They are lying through their teeth, because ObamaCare is just a stage.....a first step toward their socialist utopian state. This is not a new concept. Obama himself has been captured on video talking about his goals for a single payor......and yet Karen and her ilk try telling us this is not government healthcare. Go back and read dhdqhllq's posts.....he's right on the money. Whenever a liberal progressive pulls the "WWJD" out of their bag of tricks I know they are in trouble. They love using the "WWJD" expression selectively. You never see a liberal progressive use that expression when they are arguing in favor of infanticide.
Because I will not bow to your constant name calling and bullying you love to call me out. Hope it makes you feel important and superior. I think it makes you look small and sad.
karen
Nice try. I didn't call out your belief in God. I pointed out how liberals such as yourself selectively use the "WWJD" cliche'. You need to go back and read what I wrote. Stop distorting what I said. It makes YOU look small and sad.
I don't feel "important and superior". I blame people like you for electing a tyrant whose goal it is to "transform" this nation into a socialist utopia. Obama lied when he said "If you like your plan you can keep your plan....period." He said these things because if he would have told the truth, he wouldn't have been elected. He twisted arms and carried out back room deals in order to get ObamaCare passed by the thinnest of margins. I will hold you and your progressive cohorts responsible for the damage ObamaCare does to this country. All of the people who have posted on this thread about how ObamaCare has caused nothing but misery and hardship for them and their families have you and your fellow Obamunists to blame. |
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Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-29 12:38 AM Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
Edited by rodeomom3 2013-12-29 7:19 AM
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| rodeomom3 - 2013-12-29 7:18 AM
Stitch4k9 - 2013-12-29 12:38 AM Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
Republicans were trying to negotiate/compromise on the ACA, had said they agree to eliminating the cap on benefits, doing away with pre existing conditions but wanted some concessions from the other side of the isle which the answer to that was a big fat NO. Obama repeatedly said he would not compromise. Health care reform should have been approached in steps as evidenced by the ACA roll out and the inability of our government to manage a program of this size.
Agree, rodeomomm3. The conservatives, Republicans, have come up with other solutions/plans, etc. but the press is solidly in the Democratic camp so never get publicized. |
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I Will Not Keep Silent
Posts: 1922
Location: GA | Stitch4k9 - 2013-12-29 1:38 AM Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
Karen here you go. This is a summary of what Rep. Tom Price a doctor from GA introduced in 2009. The full bill is available to the public and can be read within a reasonable length of time as it is only 248 pages long. His thoughts on Obama's health care bill are as follows as well. It was not given any consideration at all by the democrats and Obama. Even today when republicans have continued to offer solutions on the same lines Obama refuses to entertain them even though he tells the public differently. What we also do not hear is the republicans idea regarding seniors and Medicare to pay cancer hospitals more if they are incurring higher costs. Through Obamacare due to cuts to Medicare that was to target waste and fraud will instead in fact ration care or target the quality of care to seniors. Think that one through and you will get the drift. The republicans bill is not perfection but it was a start as well and they encouraged discussion from the otherside that never evolved. Instead Obamacare was rammed through.
“President Obama’s health care law violates every principle of health care that Americans hold dear: accessibility, affordability, choices, innovation, quality and responsiveness,” Rep. Price said. “The law threatens the doctor-patient relationship. It empowers Washington bureaucrats at the expense of quality health care choices, and quite simply, the federal government should not be interfering with the most personal decisions in the lives of the American people.”
A Patient-Centered Solution
RSC Chairman Tom Price has introduced H.R. 3400, the Empowering Patients First Act. This is another positive solution from the Republican Study Committee that grants access to affordable, quality health care for all Americans, and is centered around the patient. By increasing patients’ control over their health decisions, we will make coverage more affordable, accessible and responsive, while offering more choices and the highest-quality care.
This solution is centered around four main principles:
#1: Access to Coverage for All Americans - The Empowering Patients First Act makes the purchase of health care financially feasible for all Americans, covers pre-existing conditions, protects employer-sponsored insurance, and shines light on existing health care plans.
#2: Coverage is Truly Owned by the Patient - This legislation grants greater choice and portability to the patient, and also gives employers more flexibility in the benefits offered. It also expands the individual market by creating several pooling mechanisms.
#3: Improve the Health Care Delivery Structure - Physicians know the best care for their patient. That's why this legislation establishes doctor-led quality measures, ensuring that you get the quality care you need. It also reimburses physicians to ensure the stability of your care, and encourages healthier lifestyles by allowing employers to offer discounts for healthy habits through wellness and prevention programs.
#4: Rein in Out-of-Control Costs - A key concern in positive reform is reining in out-of control costs. This legislation does this by reforming the medical liability system. Also, the cost of the plan is completely offset through decreasing defensive medicine, savings from health care efficiencies, sifting out waste, fraud and abuse, plus an annual one-percent non defense discretionary spending step down.
Edited by *robin* 2013-12-29 7:41 AM
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Expert
Posts: 1815
| IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. |
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Always Off Topic
Posts: 6382
Location: ND | Stitch4k9 - 2013-12-28 11:13 PM Bibliafarm - 2013-12-27 5:05 PM Stitch4k9 - 2013-12-27 8:34 AM HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
not how obamacare works..
Yes they will be allowed Chemo. Either by qualifying for Medi. or with insurance that will not be able to put a life time cap on their benefits. I have no idea what will happen with the young transplant patient. But should parents be forced to go fund raise in order to get a child on the list? They have insurance and have had since this child was born.
karen
not true....no caps and treatment approval are two separate things |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | *robin* - 2013-12-29 7:39 AM
Stitch4k9 - 2013-12-29 1:38 AM Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
Karen here you go. This is a summary of what Rep. Tom Price a doctor from GA introduced in 2009. The full bill is available to the public and can be read within a reasonable length of time as it is only 248 pages long. His thoughts on Obama's health care bill are as follows as well. It was not given any consideration at all by the democrats and Obama. Even today when republicans have continued to offer solutions on the same lines Obama refuses to entertain them even though he tells the public differently. What we also do not hear is the republicans idea regarding seniors and Medicare to pay cancer hospitals more if they are incurring higher costs. Through Obamacare due to cuts to Medicare that was to target waste and fraud will instead in fact ration care or target the quality of care to seniors. Think that one through and you will get the drift. The republicans bill is not perfection but it was a start as well and they encouraged discussion from the otherside that never evolved. Instead Obamacare was rammed through. “President Obama’s health care law violates every principle of health care that Americans hold dear: accessibility, affordability, choices, innovation, quality and responsiveness,” Rep. Price said. “The law threatens the doctor-patient relationship. It empowers Washington bureaucrats at the expense of quality health care choices, and quite simply, the federal government should not be interfering with the most personal decisions in the lives of the American people.” A Patient-Centered Solution
RSC Chairman Tom Price has introduced H.R. 3400, the Empowering Patients First Act. This is another positive solution from the Republican Study Committee that grants access to affordable, quality health care for all Americans, and is centered around the patient. By increasing patients’ control over their health decisions, we will make coverage more affordable, accessible and responsive, while offering more choices and the highest-quality care.
This solution is centered around four main principles:
#1: Access to Coverage for All Americans - The Empowering Patients First Act makes the purchase of health care financially feasible for all Americans, covers pre-existing conditions, protects employer-sponsored insurance, and shines light on existing health care plans.
#2: Coverage is Truly Owned by the Patient - This legislation grants greater choice and portability to the patient, and also gives employers more flexibility in the benefits offered. It also expands the individual market by creating several pooling mechanisms.
#3: Improve the Health Care Delivery Structure - Physicians know the best care for their patient. That's why this legislation establishes doctor-led quality measures, ensuring that you get the quality care you need. It also reimburses physicians to ensure the stability of your care, and encourages healthier lifestyles by allowing employers to offer discounts for healthy habits through wellness and prevention programs.
#4: Rein in Out-of-Control Costs - A key concern in positive reform is reining in out-of control costs. This legislation does this by reforming the medical liability system. Also, the cost of the plan is completely offset through decreasing defensive medicine, savings from health care efficiencies, sifting out waste, fraud and abuse, plus an annual one-percent non defense discretionary spending step down.
This is not the only alternative proposal to ObamaCare that has been put forth, but the proposals have a lot of similarities. At least this proposal and others like it attempts to address some key underlying factors that drive the cost of healthcare....and hence, health insurance, through the roof. Some estimate that defensive medicine alone accounts for as much as 20% of healthcare costs.
If you ask any practitioner this they will tell you. Torte reform would go a long ways toward reducing these defensive medicine costs. Removing barriers to competition across state lines is another huge move. One problem inherent with the "insurance-minded" culture we have today is that people don't care what something costs so long as they are "covered". They can run to a clinic for just about any ache and pain or cold they want. I see people all the time who demand that I actually prescribe ibuprofen, so insurance will pay for something even that inexpensive. Until we make people real consumers of healthcare, we will never fix this huge problem, and eventually succumb to pressures from the Obamunists to have a real 100% government takeover of healthcare.
The Progressive mindset is to imprison and stomp out freedom. We had a problem in which 80% of citizens were happy with their healthcare but because this is the mother lode of liberalism, the Obamunists feel that the death of ObamaCare means the death of liberalism....so ObamaCare basically was the beginning of a complete transformation into a single payor system.....something that the vast majority of Americans did not want. ObamaCare is a diabolical back door approach to achieve one crucial, huge chunk of their socialist utopia. This is why we have hired 160,000 IRS agents....basically all thugs needed to keep us in line. Progressives like Karen will guard ObamaCare like a bunch of mad Rotweillers at Damian Thorne's grave. They might express some disappointment with one aspect of ObamaCare or another or they might even suggest a tweak here or there, but you will never ever see a progressive-liberal suggest scrapping ObamaCare and starting over. This is the signature coup of the century for Progressives....even bigger than Medicare and Social Security.
Progressives will squawk that there is no GOP alternative proposal, and when you point out a couple, they slither away and try another approach. Obama himself lies when he says there are no alternative proposals out there.....and his lemmings take him at his word......so now they all look like fools. |
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I Will Not Keep Silent
Posts: 1922
Location: GA | HotbearLVR - 2013-12-29 11:02 AM
*robin* - 2013-12-29 7:39 AM
Stitch4k9 - 2013-12-29 1:38 AM Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
Karen here you go. This is a summary of what Rep. Tom Price a doctor from GA introduced in 2009. The full bill is available to the public and can be read within a reasonable length of time as it is only 248 pages long. His thoughts on Obama's health care bill are as follows as well. It was not given any consideration at all by the democrats and Obama. Even today when republicans have continued to offer solutions on the same lines Obama refuses to entertain them even though he tells the public differently. What we also do not hear is the republicans idea regarding seniors and Medicare to pay cancer hospitals more if they are incurring higher costs. Through Obamacare due to cuts to Medicare that was to target waste and fraud will instead in fact ration care or target the quality of care to seniors. Think that one through and you will get the drift. The republicans bill is not perfection but it was a start as well and they encouraged discussion from the otherside that never evolved. Instead Obamacare was rammed through. “President Obama’s health care law violates every principle of health care that Americans hold dear: accessibility, affordability, choices, innovation, quality and responsiveness,” Rep. Price said. “The law threatens the doctor-patient relationship. It empowers Washington bureaucrats at the expense of quality health care choices, and quite simply, the federal government should not be interfering with the most personal decisions in the lives of the American people.” A Patient-Centered Solution
RSC Chairman Tom Price has introduced H.R. 3400, the Empowering Patients First Act. This is another positive solution from the Republican Study Committee that grants access to affordable, quality health care for all Americans, and is centered around the patient. By increasing patients’ control over their health decisions, we will make coverage more affordable, accessible and responsive, while offering more choices and the highest-quality care.
This solution is centered around four main principles:
#1: Access to Coverage for All Americans - The Empowering Patients First Act makes the purchase of health care financially feasible for all Americans, covers pre-existing conditions, protects employer-sponsored insurance, and shines light on existing health care plans.
#2: Coverage is Truly Owned by the Patient - This legislation grants greater choice and portability to the patient, and also gives employers more flexibility in the benefits offered. It also expands the individual market by creating several pooling mechanisms.
#3: Improve the Health Care Delivery Structure - Physicians know the best care for their patient. That's why this legislation establishes doctor-led quality measures, ensuring that you get the quality care you need. It also reimburses physicians to ensure the stability of your care, and encourages healthier lifestyles by allowing employers to offer discounts for healthy habits through wellness and prevention programs.
#4: Rein in Out-of-Control Costs - A key concern in positive reform is reining in out-of control costs. This legislation does this by reforming the medical liability system. Also, the cost of the plan is completely offset through decreasing defensive medicine, savings from health care efficiencies, sifting out waste, fraud and abuse, plus an annual one-percent non defense discretionary spending step down.
This is not the only alternative proposal to ObamaCare that has been put forth, but the proposals have a lot of similarities. At least this proposal and others like it attempts to address some key underlying factors that drive the cost of healthcare....and hence, health insurance, through the roof. Some estimate that defensive medicine alone accounts for as much as 20% of healthcare costs.
If you ask any practitioner this they will tell you. Torte reform would go a long ways toward reducing these defensive medicine costs. Removing barriers to competition across state lines is another huge move. One problem inherent with the "insurance-minded" culture we have today is that people don't care what something costs so long as they are "covered". They can run to a clinic for just about any ache and pain or cold they want. I see people all the time who demand that I actually prescribe ibuprofen, so insurance will pay for something even that inexpensive. Until we make people real consumers of healthcare, we will never fix this huge problem, and eventually succumb to pressures from the Obamunists to have a real 100% government takeover of healthcare.
The Progressive mindset is to imprison and stomp out freedom. We had a problem in which 80% of citizens were happy with their healthcare but because this is the mother lode of liberalism, the Obamunists feel that the death of ObamaCare means the death of liberalism....so ObamaCare basically was the beginning of a complete transformation into a single payor system.....something that the vast majority of Americans did not want. ObamaCare is a diabolical back door approach to achieve one crucial, huge chunk of their socialist utopia. This is why we have hired 160,000 IRS agents....basically all thugs needed to keep us in line. Progressives like Karen will guard ObamaCare like a bunch of mad Rotweillers at Damian Thorne's grave. They might express some disappointment with one aspect of ObamaCare or another or they might even suggest a tweak here or there, but you will never ever see a progressive-liberal suggest scrapping ObamaCare and starting over. This is the signature coup of the century for Progressives....even bigger than Medicare and Social Security.
Progressives will squawk that there is no GOP alternative proposal, and when you point out a couple, they slither away and try another approach. Obama himself lies when he says there are no alternative proposals out there.....and his lemmings take him at his word......so now they all look like fools.
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Warmblood with Wings
Posts: 27846
Location: Florida.. | My grandsons have good insurance. went to drs they had th H1 flu and had it for 5 days already and dr prescribed tamiflu .. my son read the risks and being 5 days in chose not to.. but the cost of the tamiflu with insurance was 460 .00 |
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"aint no Barbie"
Posts: 2272
Location: san antonio texas | Stitch4k9 - 2013-12-29 12:38 AM Nevertooold - 2013-12-28 11:26 PM Karen,
I agree about pre-existing conditons and limits but all of that could have been taken care of instead of throwing our whole healthcare system upside down. This new system is hurting more people then helping.
Now see both sides can agree on things!
Where was the legislation to fix those two simple things? From either side? From how many previous administrations?
karen
The Dem's REFUSED to negotiate on ANYTHING.... REFUSED. |
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"aint no Barbie"
Posts: 2272
Location: san antonio texas | HotbearLVR - 2013-12-29 1:36 AM Stitch4k9 - 2013-12-28 11:24 PM HotbearLVR - 2013-12-28 7:47 AM smiley - 2013-12-27 7:40 PM
I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system............... I hope everyone gets a chance to read this, because this is a good example of healthcare of the future. Like it or not, there will be rationing and waiting in line. The root problem in all of this is healthcare costs that are unaffordable and we are searching for some magic bullet...some magic insurance plan that will cover expenses but not cost too much. Well, I have news....there is NO such thing. The only way to make healthcare affordable is to charge citizens with the responsibility in some fashion. The role of government would be to eliminate barriers to competition across state lines, enact some kind of torte reform, etc... HSAs and Catastrophic coverage is really a good way of getting runaway costs under control. The Obamunists like Karen try to emphasize that ObamaCare is not government healthcare. They are lying through their teeth, because ObamaCare is just a stage.....a first step toward their socialist utopian state. This is not a new concept. Obama himself has been captured on video talking about his goals for a single payor......and yet Karen and her ilk try telling us this is not government healthcare. Go back and read dhdqhllq's posts.....he's right on the money. Whenever a liberal progressive pulls the "WWJD" out of their bag of tricks I know they are in trouble. They love using the "WWJD" expression selectively. You never see a liberal progressive use that expression when they are arguing in favor of infanticide.
Because I will not bow to your constant name calling and bullying you love to call me out. Hope it makes you feel important and superior. I think it makes you look small and sad.
karen
Nice try. I didn't call out your belief in God. I pointed out how liberals such as yourself selectively use the "WWJD" cliche'. You need to go back and read what I wrote. Stop distorting what I said. It makes YOU look small and sad. I don't feel "important and superior". I blame people like you for electing a tyrant whose goal it is to "transform" this nation into a socialist utopia. Obama lied when he said "If you like your plan you can keep your plan....period." He said these things because if he would have told the truth, he wouldn't have been elected. He twisted arms and carried out back room deals in order to get ObamaCare passed by the thinnest of margins. I will hold you and your progressive cohorts responsible for the damage ObamaCare does to this country. All of the people who have posted on this thread about how ObamaCare has caused nothing but misery and hardship for them and their families have you and your fellow Obamunists to blame.
I agree with Hotbear... I can't help but feel very mad and hold such a huge frustration towards people who support this president. |
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"aint no Barbie"
Posts: 2272
Location: san antonio texas | mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote..................
I forgot all about that!! |
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Warmblood with Wings
Posts: 27846
Location: Florida.. | carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
I remember that ..
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is? |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Bibliafarm - 2013-12-29 1:44 PM
carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
I agree Bibs. Obama came into office on a theme of "Hope and Change". The man had everything in his favor....a dem majority in both houses, an ambitious agenda, a promise of transparency, and likability. He could have been a uniter; instead he was a divider. He squandered the trust the voters placed in him.
Obama had an opportunity to fix what was wrong with healthcare. He chose instead to go with this 2700 page monstrosity that nobody even read.....and now that it has passed we are following Pelosi's command.......learning what's contained within ObamaCare, with each debacle that is revealed. I think this chaos and widespread dissatisfaction was something Obama anticipated. Once he was re-elected, Obama was free to show his true colors. Millions have been harmed by this monster. |
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 Veteran
Posts: 168
Location: Wyoming | I am one of those that liked my insurance and got the letter. We are a family of four and paid for our own insurance. My husband is grandfathered in cause he purchased the insurance in Feb. right before the cutoff. I had to wait cause I was 7 months pregnant. (We had changed insurance companies so I was still insured) so I changed companies in May (after the cut off). After that we had one more child. Both boys are on my policy so me and my two boys will be without insurance in May. I looked at insurance companies and there is NO WAY I can afford the NEW insurance premiums and the deductables are ridiculous.
So now between my 3 siblings + families and me (all of which had insurance) there is only 1 brother that still has it through his company but that will change the end of next year. That's 10 people that now are not insured and when my other brother looses his that will be 14. |
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Warmblood with Wings
Posts: 27846
Location: Florida.. | Im sure businesss are having a terrible time with this as well.. |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | jbhoot - 2013-12-27 8:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
I wonder how long it will be before that is changed............... |
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Shelter Dog Lover
Posts: 10277
| My 24 year old daughter makes 51K/year. She would not qualify for any subsidies on the exchange. The least expensive plan on the "Affordable" Care Act would have a premium of $500/month and a 6k deductible-not affordable in my opinion. They are crazy if they think they are going to get the young to pay those kind of fees. |
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Sock Snob
Posts: 3021
| What good is insurance with a family of four or five that has a 10,000 deductable. once you reach that it is 80/20. or even a 5000 deductable. My hairdresser her and husband work and are in there early fifties kids just finished college and oldest daughter just got married. Neither one has any health problems but the preinums just kept going up, but what happeneds if husband has a heart problem goes to,hospital runs a 50 or 60k bill, they will have about 10k out of pocket expenses. Are they saving money maybe. But that is the aca are selling high deduct plans, what happends to,the sick people they will still go bankrupt especially with these plans. I am on 2 medications among others but if i had to pay for these meds each one is about 2000.00 each which is 4000.00 per month plus other pill and stuff my beneifits total for meds thru november was about 45,000. and these are maintance meds that will never change those 2 meds one is for asthma and the other is for rheumatoid arthritis. |
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | For those of us that will or they want to pay the higher premiums...........Obama does not care......it is all about those that qualify for the subsidy................ |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | Bibliafarm - 2013-12-29 1:44 PM carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
Bib,
These people are not on welfare. Their current Private Insurance has denied them! Dollar cap on one, insurance company did not agree with Doctor and his protocal on the other. These are both hard working middle class families.
Part of the problem is all anyone wants to screech about is those on welfare. There are tons of hard working, bill paying families who have been screwed by private insurance companies. No one wants to deal with that.
karen |
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Shelter Dog Lover
Posts: 10277
| CJE - 2013-12-29 6:55 PM
For those of us that will or they want to pay the higher premiums...........Obama does not care......it is all about those that qualify for the subsidy................
Yep, wealth redistribution, but I sure don't see all his supporters giving away their assets so they don't have any more than then others-they just like to preach about it so they can feel good. |
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Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-29 7:03 PM Bibliafarm - 2013-12-29 1:44 PM carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
These people are not on welfare. Their current Private Insurance has denied them! Dollar cap on one, insurance company did not agree with Doctor and his protocal on the other. These are both hard working middle class families.
Part of the problem is all anyone wants to screech about is those on welfare. There are tons of hard working, bill paying families who have been screwed by private insurance companies. No one wants to deal with that.
karen
Edited by rodeomom3 2013-12-29 7:36 PM
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Shelter Dog Lover
Posts: 10277
| Transcript from Chris Wallace's show:
GOTTLIEB: Well, there are very narrow network plans and they exclude a lot of specialist, people might have to travel far distances to see a specialist. We've looked at the networks. We've interrogated the plans and sometimes you have to travel 50 miles to see an urologist, for example. I found plans that don't have a single dermatologist that does skin cancer surgery, for example.
But there's also an issue with the drug formularies. These are what we called closed formularies, which means that the only thing that gets covered are the drugs that are on that list. And if you're drug isn't on that list, it's not covered at all, and the out of pocket costs don't count against your deductibles or your out of pocket maximums.
So, people are going to be very surprised. This is really a throwback to the old '90s models of HMOs, when people really rejected those plans and preferred provider organization instead, which gave them more flexibility. People made that trade.
WALLACE: But you had an analysis where you said, I think it was in San Diego, that there was seven pediatricians in the entire county in the network, for the entire county of San Diego.
GOTTLIEB: Right. There was a plan in Florida, actually, had seven pediatricians for about a quarter million children in that county. But we found similar things in San Diego, we found it in New York as well, where plans only had seven or eight cardiologists, a handful of urologists that were 50, 60 miles away. It's more on the specialty side. There's not a lot of specialists in the lot of these plans. DEAN: Well, first of all, Scott is right, there will be a substantial number of people who are going to get subsidies, who didn't have insurance before, who may have insurance and they're going to save money. So, they will see lower premiums to them, they won't cost less. But it will be lower premiums. But here's the interesting thing I find about the deductible argument. The deductible argument is such a classic Republican argument. This is what Republicans have always wanted, have more patience, put more skin in the game, and then they'll be more careful about what they spend. And now, we have those spectacles of Republicans attacking the higher deductible, just because they're so desperate to attack this plan on any number. This is a Republican idea. Have higher deductibles, patients put more skin in the game with their own money and they're more careful about how they're spending their money. GOTTLIEB: But these aren't really high deductible plans. The idea of a high deductible plan is a lot of routine stuff that you pay for out of pocket, but you cover only catastrophic stuff. Here, what's happening is a lot of routine stuff is paid for in full because of the mandates, where the deductibles and co-pays are going to hit you is on the more important stuff. I mean, you'll get free surgical sterilization if you're a woman, but you might not get cancer therapy paid for in all coverage on that. And that's the problem with these plans. They're not truly high deductible plans in the traditional sense of how we think about them.
Edited by rodeomom3 2013-12-30 7:09 AM
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Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | rodeomom3 - 2013-12-28 8:11 PM Stitch4k9 - 2013-12-29 7:03 PM Bibliafarm - 2013-12-29 1:44 PM carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
These people are not on welfare. Their current Private Insurance has denied them! Dollar cap on one, insurance company did not agree with Doctor and his protocal on the other. These are both hard working middle class families.
Part of the problem is all anyone wants to screech about is those on welfare. There are tons of hard working, bill paying families who have been screwed by private insurance companies. No one wants to deal with that.
karen Karen, I agree that insurance has been screwing people for decades by denying much needed treatments even though premiums have been faithfully paid. Now the ACA is screwing people, pricing them out of affordable health care. They are continuing many of the same practices. Many medications will no longer be covered, doctor and hospital choices are gone, no acess to specialists. The list goes on and on.
What used to be affordable is no longer............No way will I pay a mortgage payment for health care ....while someone else has better coverage for less.........at my expense.......sorry call me cold or whatever but if we have to pay that we will have to sell one of our property's...... |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | CJE - 2013-12-29 7:51 PM rodeomom3 - 2013-12-28 8:11 PM Stitch4k9 - 2013-12-29 7:03 PM Bibliafarm - 2013-12-29 1:44 PM carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
These people are not on welfare. Their current Private Insurance has denied them! Dollar cap on one, insurance company did not agree with Doctor and his protocal on the other. These are both hard working middle class families.
Part of the problem is all anyone wants to screech about is those on welfare. There are tons of hard working, bill paying families who have been screwed by private insurance companies. No one wants to deal with that.
karen Karen, I agree that insurance has been screwing people for decades by denying much needed treatments even though premiums have been faithfully paid. Now the ACA is screwing people, pricing them out of affordable health care. They are continuing many of the same practices. Many medications will no longer be covered, doctor and hospital choices are gone, no acess to specialists. The list goes on and on.
So what is an affordable insurance policy? How much should it cost and what should it cover?
karen |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | I just got off the phone with my sister. Her husband was in the military so they have Tricare. She has RA and her RA doctor told her as Jan. 1, she is no longer accepting TriCare insurance so she has to find a new RA doctor and so far she can't find one that will accept their insurance. |
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Extreme Veteran
Posts: 543
Location: Where the animals rule | My husband's policy was 980 a quarter and just went up to 1127 a quarter. He called the company and they said he was grandfathered in since he had the policy since 2009 or it would be 2700 a quarter. Still cheaper than O'care. He is 2 years from retirement. Hope we don't go broke before then. |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Lindi Lu - 2013-12-29 10:15 PM My husband's policy was 980 a quarter and just went up to 1127 a quarter. He called the company and they said he was grandfathered in since he had the policy since 2009 or it would be 2700 a quarter. Still cheaper than O'care. He is 2 years from retirement. Hope we don't go broke before then.
If we had kept the policy that we have had for over 40 years through where my husband retired, it went to $1996.00 per month and that covered full coverage for me and prescriptions and dental for him since he is now on Medicare. Needless to say...I got a substandard policy with a $6,000.00 deductible that cost $500.00 a month for me alone. Yipee |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | I urge everyone to watch this video by John Stossel and think about what he's trying to say. This is what's inherently wrong with how we view insurance and how our fixation on health insurance is so flawed. This is what I've been trying to say all along:
http://youtu.be/3WnS96NVlMI |
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 Toastest with the Mostest
Posts: 5712
Location: That part of Texas | Stitch4k9 - 2013-12-29 9:36 PM So what is an affordable insurance policy? How much should it cost and what should it cover?
karen
The policies that are offered to me really aren't that bad but I still can't afford them. I'm still in the process of building a business back from next to nothing and any extra $250-350 I have to spend a month is a killer. To buy one of the lowest policies that doesn't pay for anything other than catastropic loss is about $150 per month for me. That's about how much I allot in my budget each month to cover my current medical needs right now. So now because of this new act, I'm going to have to use that money to pay for a policy that chances are, I will never use. What I won't be doing is going to the doctor now for anything because I definitely cannot afford to go because all my medical money is going to pay for that bare minimum policy. So I'm worse off now than I was before. |
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Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-29 9:36 PM CJE - 2013-12-29 7:51 PM rodeomom3 - 2013-12-28 8:11 PM Stitch4k9 - 2013-12-29 7:03 PM Bibliafarm - 2013-12-29 1:44 PM carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
These people are not on welfare. Their current Private Insurance has denied them! Dollar cap on one, insurance company did not agree with Doctor and his protocal on the other. These are both hard working middle class families.
Part of the problem is all anyone wants to screech about is those on welfare. There are tons of hard working, bill paying families who have been screwed by private insurance companies. No one wants to deal with that.
karen Karen, I agree that insurance has been screwing people for decades by denying much needed treatments even though premiums have been faithfully paid. Now the ACA is screwing people, pricing them out of affordable health care. They are continuing many of the same practices. Many medications will no longer be covered, doctor and hospital choices are gone, no acess to specialists. The list goes on and on.
karen
If the ACA was going to be successful in its goals of covering everyone with afforadable health care most people would be accepting of it. The reality is the ACA is not going to cover the unisured like Obama said it would, we are still going to have the ER used for sore throats, etc. and yet we are now paying out the wazoo for our insurance and being taxed out the wazoo to pay for a system that is aleady broken and ineffective.
Edited by rodeomom3 2013-12-30 7:24 AM
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I Will Not Keep Silent
Posts: 1922
Location: GA | Stitch4k9 - 2013-12-29 10:36 PM
CJE - 2013-12-29 7:51 PM rodeomom3 - 2013-12-28 8:11 PM Stitch4k9 - 2013-12-29 7:03 PM Bibliafarm - 2013-12-29 1:44 PM carlos - 2013-12-29 2:38 PM mouse - 2013-12-29 9:16 AM IN his 2nd term, President Bush proposed a plan to allow a $5000 tax deduction towards the purchase of a health insurance..........of course dear Nancy wouldn't allow it to reach the floor for a vote.................. I forgot all about that!!
karen It was my understanding that .. obamacare doesnt work like that.
so basically you think its ok that the ones that have never paid and live on welfare are entitled to this chemo and treatments etc.... for free but the people that have been paying insurance all along and supporting themselves now cant afford it??is this how it is?
These people are not on welfare. Their current Private Insurance has denied them! Dollar cap on one, insurance company did not agree with Doctor and his protocal on the other. These are both hard working middle class families.
Part of the problem is all anyone wants to screech about is those on welfare. There are tons of hard working, bill paying families who have been screwed by private insurance companies. No one wants to deal with that.
karen Karen, I agree that insurance has been screwing people for decades by denying much needed treatments even though premiums have been faithfully paid. Now the ACA is screwing people, pricing them out of affordable health care. They are continuing many of the same practices. Many medications will no longer be covered, doctor and hospital choices are gone, no acess to specialists. The list goes on and on.
karen
Before Obamacare I was paying $1100 a month for my husband and myself with a $1000 deductible. I considered that more than fair and affordable. It covered everything including vision and dental. I got the policy with several pre-existing conditions one of which was a heart problem. After the passing of Obamacare my premium doubled along with my deductible which actually went up to $5000 each of us. Blame it on the insurance company I don't care. Either or Obamacare indirectly or directly affected it. I don't doubt the insurance companies got a whiff of things to come and started scrambling to deflect the blow.
My question now for you. Did you read the summary of the republicans solutions they put forth in 2009? That piece of legislation was put forth again this year as HR2000 I think or 2300. When it was reintroduced it addressed some of the flaws of Obamacare including those losing their current policies. Also it addressed the doctor shortage issue that will be created due to Obamacare.
So why would Obama not take a look at this? Just this morning he is calling for help to fix the ACA issues but again not reaching across the aisle. I honestly would like to know. Does it not support the democrats political agenda? Does it thwart the chance of a single payer system? Is it a blow to his ego or pride? What?
Edited by *robin* 2013-12-30 7:50 AM
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I Will Not Keep Silent
Posts: 1922
Location: GA | I forgot to mention that I am just truly ecstatic as a small business owner the new tax that is going to hit us this week to help pay for Obamacare. Just like WC and unemployment benefits, as a small business owner I pay for what I do not have access to or choose not to have access to. Yep and the republicans are waging a war on the middle class....
 Big corps are not getting this new exciting tax.
At least with the republicans idea the patient act is supported through spending cuts not taxation. But hey what to heck why do what is fiscally sound if it doesn't suit the ultimate goal. |
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Shelter Dog Lover
Posts: 10277
| *robin* - 2013-12-30 8:12 AM I forgot to mention that I am just truly ecstatic as a small business owner the new tax that is going to hit us this week to help pay for Obamacare. Just like WC and unemployment benefits, as a small business owner I pay for what I do not have access to or choose not to have access to. Yep and the republicans are waging a war on the middle class.... Big corps are not getting this new exciting tax. At least with the republicans idea the patient act is supported through spending cuts not taxation. But hey what to heck why do what is fiscally sound if it doesn't suit the ultimate goal.
Unions, one of O's biggest suppporters of the ACA, are also being exempted from some of the new ACA taxes- what a surprise. |
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"aint no Barbie"
Posts: 2272
Location: san antonio texas | Karen,
I'm not trying to single you out but since you are the only one I can find that likes Obamacare I want to ask you personally... do you think it's right that members of Congress, the president, Harry Reid and the State of Nevada can opt out of Obamacare while everyone else is required to sign up????? |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | It's not surprising that we seem to be discovering new facets about ObamaCare almost on a daily basis. This is what happens when you have a dumbass congress that doesn't bother even reading legislation it votes on.
Lately, the younger voters have realized that they are the ones really getting screwed by ObamaCare. They are being counted on to pay ridiculous premiums in order to offset the premiums paid by the elderly and sick. This is a group of voters that Obama easily won by a 60:40 margin. Now it appears that margin has reversed...more like 40:60in terms of favorability.
They are beginning to realize they've been bamboozled and lied to, just like most people across the country. |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | carlos - 2013-12-30 8:51 AM
Karen,
I'm not trying to single you out but since you are the only one I can find that likes Obamacare I want to ask you personally... do you think it's right that members of Congress, the president, Harry Reid and the State of Nevada can opt out of Obamacare while everyone else is required to sign up?????
I wouldn't hold your breath waiting for a direct answer to this question, Andrea.
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 Some Kind of Trouble
Posts: 4430
| I'll be the first to tell you all that I understand next to NOTHING about the ACA and didn't read this entire thread.. but I'm curious because if I had opted to change my current insurance plan (which they are allowing me to keep for one more year) to an ACA compliant plan, my premiums went down by quite a bit. With equal, if not better, benefits. My employer pays my insurance so his decision was to not change anything this year until all this BS gets cleared up even though he's paying more than what was offered to me. I'm single, 30 years old, and have good income... I just wondered if anyone else's premiums actually went down or I guess I just thought I'd toss my scenario into the conversation. I think the whole thing is a disaster personally, but as I said, I know very little about it. |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | carlos - 2013-12-30 8:51 AM Karen,
I'm not trying to single you out but since you are the only one I can find that likes Obamacare I want to ask you personally... do you think it's right that members of Congress, the president, Harry Reid and the State of Nevada can opt out of Obamacare while everyone else is required to sign up?????
Carlos,
In "MY" world....... The congress critters would make $60,000. a year. Term limited! Have ONE office in their represented area. We could fly them to DC twice a year for ten days. Other than that they would work in their offices. They would buy their own pens and pencils, pay for their own gym membership, hair cuts, etc.. And YES they would buy their own insurance.
Can you imagine if they actually had to interact with us the tax payers on a daily basis? Gas station, grocery store, church, school events, etc..
But it goes WAY beyond just the AHCA. And it goes way beyond the current administration!
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | Nevertooold - 2013-12-29 10:10 PM I just got off the phone with my sister. Her husband was in the military so they have Tricare. She has RA and her RA doctor told her as Jan. 1, she is no longer accepting TriCare insurance so she has to find a new RA doctor and so far she can't find one that will accept their insurance.
And that Doctor should be ashamed! Or at least shamed by the community!
karen |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | dhdqhllc - 2013-12-29 9:43 AM Stitch4k9 - 2013-12-28 11:13 PM Bibliafarm - 2013-12-27 5:05 PM Stitch4k9 - 2013-12-27 8:34 AM HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
not how obamacare works..
Yes they will be allowed Chemo. Either by qualifying for Medi. or with insurance that will not be able to put a life time cap on their benefits. I have no idea what will happen with the young transplant patient. But should parents be forced to go fund raise in order to get a child on the list? They have insurance and have had since this child was born.
karen
Read again...... one of each. One was capped and the other was denied. Because an insurance company always knows better than the Doc.........
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Grammar Expert
| Stitch4k9 - 2013-12-30 9:19 AM Nevertooold - 2013-12-29 10:10 PM I just got off the phone with my sister. Her husband was in the military so they have Tricare. She has RA and her RA doctor told her as Jan. 1, she is no longer accepting TriCare insurance so she has to find a new RA doctor and so far she can't find one that will accept their insurance. And that Doctor should be ashamed! Or at least shamed by the community!
karen
I'm with you 100% on what Congress should be getting paid karen and I like how you put that, however, you lost me here.
Why should this doctor be shamed for needing to make a living? Tricare pays about as well as Medicaid and Medicare, if not worse. I have it as well. There are a TON of doctors that won't see me or my children and we are literally forced to jump through HUGE hoops just to be seen for simple stuff.
This is what I don't understand - doctors come out of school with about $100K in loans - on a good day - they have to pay that back, plus all the insurance it takes to be a doctor, plus if they have their own office they are then employing others, plus all it takes to employ others - more insurance, and more insurance. WHY should that doctor not make a choice based on what that doctor and his staff need? |
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Grammar Expert
| Stitch4k9 - 2013-12-30 9:24 AM dhdqhllc - 2013-12-29 9:43 AM Stitch4k9 - 2013-12-28 11:13 PM Bibliafarm - 2013-12-27 5:05 PM Stitch4k9 - 2013-12-27 8:34 AM HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
not how obamacare works..
Yes they will be allowed Chemo. Either by qualifying for Medi. or with insurance that will not be able to put a life time cap on their benefits. I have no idea what will happen with the young transplant patient. But should parents be forced to go fund raise in order to get a child on the list? They have insurance and have had since this child was born.
karen
karen
THIS is just what does happen with Tricare and it will happen in obamacare, there will not be an overt "you can't have that" what they will do is just cost the cost to pay sooooooooooo dramatically that no one will see you or treat you or you'll be in county..............and we had all that before this boondoggle. |
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"aint no Barbie"
Posts: 2272
Location: san antonio texas | Stitch4k9 - 2013-12-30 10:15 AM carlos - 2013-12-30 8:51 AM Karen,
I'm not trying to single you out but since you are the only one I can find that likes Obamacare I want to ask you personally... do you think it's right that members of Congress, the president, Harry Reid and the State of Nevada can opt out of Obamacare while everyone else is required to sign up????? Carlos,
In "MY" world....... The congress critters would make $60,000. a year. Term limited! Have ONE office in their represented area. We could fly them to DC twice a year for ten days. Other than that they would work in their offices. They would buy their own pens and pencils, pay for their own gym membership, hair cuts, etc.. And YES they would buy their own insurance.
Can you imagine if they actually had to interact with us the tax payers on a daily basis? Gas station, grocery store, church, school events, etc..
But it goes WAY beyond just the AHCA. And it goes way beyond the current administration!
karen
I will definitely agree with you on term limits, pay and the like but I don't understand how this LAW only applies to SOME people and not ALL people. How can that be a LAW since we are REQUIRED to have this. Very frustrating... and I haven't signed up. I won't. |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | smiley - 2013-12-30 10:26 AM Stitch4k9 - 2013-12-30 9:19 AM Nevertooold - 2013-12-29 10:10 PM I just got off the phone with my sister. Her husband was in the military so they have Tricare. She has RA and her RA doctor told her as Jan. 1, she is no longer accepting TriCare insurance so she has to find a new RA doctor and so far she can't find one that will accept their insurance. And that Doctor should be ashamed! Or at least shamed by the community!
karen
Why should this doctor be shamed for needing to make a living? Tricare pays about as well as Medicaid and Medicare, if not worse. I have it as well. There are a TON of doctors that won't see me or my children and we are literally forced to jump through HUGE hoops just to be seen for simple stuff.
This is what I don't understand - doctors come out of school with about $100K in loans - on a good day - they have to pay that back, plus all the insurance it takes to be a doctor, plus if they have their own office they are then employing others, plus all it takes to employ others - more insurance, and more insurance. WHY should that doctor not make a choice based on what that doctor and his staff need?
Smiley,
Our Veterans should NOT be denied a dang thing!
Doctors should build the cost of Tricare into their business plan. Just as those of us with retail build in a percentage for shop lifting. Grocery stores fiq. a percentage of lose to dating, etc..
Not taking New Tricare patients would be differant. But to tell current patients to hit the street is not okay in my world.
Doctors Know what their education is going to cost. Just as with the rest of us they should plan accordingly.
karen |
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Proud to be Deplorable
Posts: 1929
| Stitch4k9 - 2013-12-30 10:19 AM
Nevertooold - 2013-12-29 10:10 PM I just got off the phone with my sister. Her husband was in the military so they have Tricare. She has RA and her RA doctor told her as Jan. 1, she is no longer accepting TriCare insurance so she has to find a new RA doctor and so far she can't find one that will accept their insurance.
And that Doctor should be ashamed! Or at least shamed by the community!
karen
No he should not!!! Stop blaming the Dr. for a broken system. |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Stitch4k9 - 2013-12-30 10:15 AM
carlos - 2013-12-30 8:51 AM Karen,
I'm not trying to single you out but since you are the only one I can find that likes Obamacare I want to ask you personally... do you think it's right that members of Congress, the president, Harry Reid and the State of Nevada can opt out of Obamacare while everyone else is required to sign up?????
Carlos,
In "MY" world....... The congress critters would make $60,000. a year. Term limited! Have ONE office in their represented area. We could fly them to DC twice a year for ten days. Other than that they would work in their offices. They would buy their own pens and pencils, pay for their own gym membership, hair cuts, etc.. And YES they would buy their own insurance.
Can you imagine if they actually had to interact with us the tax payers on a daily basis? Gas station, grocery store, church, school events, etc..
But it goes WAY beyond just the AHCA. And it goes way beyond the current administration!
karen
I must say, I love this Karen and I totally agree with you. I have been to a town hall meeting where I had a chance to voice my views on Social Security to Collin Peterson, a "Blue Dog" Democrat who is popular in his district. He actually voted against ObamaCare. When I attended the townhall meeting was back about 9-10 years ago when Bush was pushing for Social Security reform. He basically said he agreed with what I said at the time but didn't go into any details. You could tell that he was reluctant to emphatically push for the reforms, because that has traditionally been a death sentence for career politicians like Peterson. I also have talked one on one with Kent Conrad back in the 90s about healthcare reform when he visited our hospital in Fargo. I bet when you talk to these people in private and off the record a lot of them seem more sensible than one would expect. I remember thinking that if I hadn't known he was a Democrat, I would have guessed he was conservative. I think term limits is badly needed, so politicians can go to Washington DC with a goal of doing the right thing, rather than be most concerned with re-election. Real citizens are badly needed to represent their home base.....not the elite aristocracy we see today. |
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Shelter Dog Lover
Posts: 10277
| Stitch4k9 - 2013-12-30 10:33 AM smiley - 2013-12-30 10:26 AM Stitch4k9 - 2013-12-30 9:19 AM Nevertooold - 2013-12-29 10:10 PM I just got off the phone with my sister. Her husband was in the military so they have Tricare. She has RA and her RA doctor told her as Jan. 1, she is no longer accepting TriCare insurance so she has to find a new RA doctor and so far she can't find one that will accept their insurance. And that Doctor should be ashamed! Or at least shamed by the community!
karen
Why should this doctor be shamed for needing to make a living? Tricare pays about as well as Medicaid and Medicare, if not worse. I have it as well. There are a TON of doctors that won't see me or my children and we are literally forced to jump through HUGE hoops just to be seen for simple stuff.
This is what I don't understand - doctors come out of school with about $100K in loans - on a good day - they have to pay that back, plus all the insurance it takes to be a doctor, plus if they have their own office they are then employing others, plus all it takes to employ others - more insurance, and more insurance. WHY should that doctor not make a choice based on what that doctor and his staff need?
Our Veterans should NOT be denied a dang thing!
Doctors should build the cost of Tricare into their business plan. Just as those of us with retail build in a percentage for shop lifting. Grocery stores fiq. a percentage of lose to dating, etc..
Not taking New Tricare patients would be differant. But to tell current patients to hit the street is not okay in my world.
Doctors Know what their education is going to cost. Just as with the rest of us they should plan accordingly.
karen
You do not have enough understanding of the ACA and it's policies. It is not an option for the doctor to keep current tri care patients and not accept new ones- if he continues to accept tri care he is required to accept new patients. Again, why blame the doctor and not the change in policy?? I have heard many doctors say that the reimbursement is so low and cumberson with other requriements that their practice would have to become an assembly line practice to cover the costs and that is not how they want to practice medicine. The buck stops with the new poicies and mandates not with those who are now forced to implemement and practice them. And to blame a bad "business plan" is ridiculous when the rules are changing not only mid game but day by day.
Nancy
Edited by rodeomom3 2013-12-30 11:08 AM
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Back when I attended med school, I was married and had a baby girl. I started when I was 20. I did have some money (about $10K) saved up, but that didn't go very far. I borrowed from family and also lived off student loans for 4 years of med school. I then did a 5 year residency in Wisconsin, and a year in England, but we barely made enough money to get by. During residency, we had another child. My wife worked off and on, but had to stay home probably half that time. I was 29 when I was finally finished and board certified. We rented a house and I had almost $100k in debt, because for about 10 years I couldn't begin to pay off any loans....so the interest just resulted in increased accumulated debt. I paid off my family loan with interest, as well as student loans over 5 years. I really didn't begin to see any real surplus of income until about 5-6 years after I started in private practice. Although most surgeons were paid on "production" incentives back then, I was always salaried. I preferred it that way. In retrospect, had I been paid on production! I would have earned quite a bit more but I just preferred it that way. I liked the idea that nobody could say that money entered into my decision making. Working for a large clinic has a "womb effect" in that physicians needn't be concerned with the business aspects of healthcare. Back in the 80s, most larger clinics were owned and operated by the docs. Administrators served at the behest of the docs. Nowadays, medicine has become corporatized......we are all merely "employees". We aren't "doctors" anymore.....we are lumped together with mid levels such as nurse practitioners and physician assistants, under the term "providers".
In many large multispecialty groups and clinics, you will see that most of the highest paid earners are business people....MBAs, accountants, etc....
Would hate to be a med student facing all these uncertainties. Today's medical student faces one absolute certainty......that he/she will be facing huge debt when they finally finish their training.....sometimes over $250k.
Malpractice insurance costs well into 6 figures in some specialties in some areas of the country. An ObGyn might be looking at $250K in malpractice costs in Florida, for instance. We have an out of control hungry beast on our hands. This is why I posted a link to the Stossel video earlier on this thread. I think we need to really ponder his message and consider what he is saying.
That video really makes a strong case for re-thinking how we look at insurance when it comes to healthcare. The question, "what is a fair price for health insurance" is really almost impossible to answer because of what we tend to expect.
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I Will Not Keep Silent
Posts: 1922
Location: GA | So a friend of mine just got a bill from the hospital where she had to go have a few stitches. This is her new policy to her old policy that is Obamacare compliant.
Sticker shock does not even begin to describe it. She got billed out of network. Apparently her doctors and hospital that were on the old policy are no longer on her new policy that will be offered in the exchanges. I think I have that correct given that the policy was not purchased new through Obamacare but will be offered through Obamacare.
Granted she probably should have checked but who would have thunk that living in a town of her size she is going to have to drive to ##$$%% Egypt to find health services. |
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Shelter Dog Lover
Posts: 10277
| *robin* - 2013-12-30 4:19 PM So a friend of mine just got a bill from the hospital where she had to go have a few stitches. This is her new policy to her old policy that is Obamacare compliant. Sticker shock does not even begin to describe it. She got billed out of network. Apparently her doctors and hospital that were on the old policy are no longer on her new policy that will be offered in the exchanges. I think I have that correct given that the policy was not purchased new through Obamacare but will be offered through Obamacare. Granted she probably should have checked but who would have thunk that living in a town of her size she is going to have to drive to ##$$%% Egypt to find health services.
Yep, the great benefits of the ACA. Here is another example of that:
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I Will Not Keep Silent
Posts: 1922
Location: GA | HotbearLVR - 2013-12-30 12:19 PM Back when I attended med school, I was married and had a baby girl. I started when I was 20. I did have some money (about $10K) saved up, but that didn't go very far. I borrowed from family and also lived off student loans for 4 years of med school. I then did a 5 year residency in Wisconsin, and a year in England, but we barely made enough money to get by. During residency, we had another child. My wife worked off and on, but had to stay home probably half that time. I was 29 when I was finally finished and board certified. We rented a house and I had almost $100k in debt, because for about 10 years I couldn't begin to pay off any loans....so the interest just resulted in increased accumulated debt. I paid off my family loan with interest, as well as student loans over 5 years. I really didn't begin to see any real surplus of income until about 5-6 years after I started in private practice. Although most surgeons were paid on "production" incentives back then, I was always salaried. I preferred it that way. In retrospect, had I been paid on production! I would have earned quite a bit more but I just preferred it that way. I liked the idea that nobody could say that money entered into my decision making. Working for a large clinic has a "womb effect" in that physicians needn't be concerned with the business aspects of healthcare. Back in the 80s, most larger clinics were owned and operated by the docs. Administrators served at the behest of the docs. Nowadays, medicine has become corporatized......we are all merely "employees". We aren't "doctors" anymore.....we are lumped together with mid levels such as nurse practitioners and physician assistants, under the term "providers". In many large multispecialty groups and clinics, you will see that most of the highest paid earners are business people....MBAs, accountants, etc.... Would hate to be a med student facing all these uncertainties. Today's medical student faces one absolute certainty......that he/she will be facing huge debt when they finally finish their training.....sometimes over $250k. Malpractice insurance costs well into 6 figures in some specialties in some areas of the country. An ObGyn might be looking at $250K in malpractice costs in Florida, for instance. We have an out of control hungry beast on our hands. This is why I posted a link to the Stossel video earlier on this thread. I think we need to really ponder his message and consider what he is saying. That video really makes a strong case for re-thinking how we look at insurance when it comes to healthcare. The question, "what is a fair price for health insurance" is really almost impossible to answer because of what we tend to expect.
The republican bill addressed this. But heck who worries about a doctor shortage or the ridiculous out hand law suits and outrageous malpractice insurance. |
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How freakish is that?
Posts: 3927
Location: Oregon | *robin* - 2013-12-30 2:19 PM So a friend of mine just got a bill from the hospital where she had to go have a few stitches. This is her new policy to her old policy that is Obamacare compliant. Sticker shock does not even begin to describe it. She got billed out of network. Apparently her doctors and hospital that were on the old policy are no longer on her new policy that will be offered in the exchanges. I think I have that correct given that the policy was not purchased new through Obamacare but will be offered through Obamacare. Granted she probably should have checked but who would have thunk that living in a town of her size she is going to have to drive to ##$$%% Egypt to find health services.
How can this be when it doesn't even start until January 1st?
This is so confusing.
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I Will Not Keep Silent
Posts: 1922
Location: GA | crapshooter - 2013-12-30 7:34 PM
*robin* - 2013-12-30 2:19 PM So a friend of mine just got a bill from the hospital where she had to go have a few stitches. This is her new policy to her old policy that is Obamacare compliant. Sticker shock does not even begin to describe it. She got billed out of network. Apparently her doctors and hospital that were on the old policy are no longer on her new policy that will be offered in the exchanges. I think I have that correct given that the policy was not purchased new through Obamacare but will be offered through Obamacare. Granted she probably should have checked but who would have thunk that living in a town of her size she is going to have to drive to ##$$%% Egypt to find health services.
This is so confusing.
I am not sure I understand it. She was still on the phone trying to get something done when I left. I think that when her insurance company renewed her policy changes were put in place to be Obamacare compliant. With the new policy came changes to the doctors and hospitals in network. Her policy is currently not through Obamacare just Obamacare compliant. I think heck I don't know. |
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How freakish is that?
Posts: 3927
Location: Oregon | I don't know either. That kind of makes sense though. :) |
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I Will Not Keep Silent
Posts: 1922
Location: GA | crapshooter - 2013-12-30 8:34 PM
I don't know either. That kind of makes sense though. :)
Update. My friend said she was told that when changes were made to her policy doctors and treatment facilities were dropped and others added. My broker is encouraging everyone before buying outside or through Obamacare to check your policy over carefully to see who is participating. He said there will be a constant change of doctors opting out of Obamacare or being dropped under Obamacare as well as added. The changes outside of Obamacare do not look to be as constant.
They had a doctor on TV earlier in the month that was shocked she was dropped from an insurance company as a provider participating through Obamacare. Some doctors do not know if they are in or out.
Again confused, glad I went outside of Obamacare. Even though it is cheaper I think I would be willing to pay more to stay outside of it. Happy New Year to me.
We still haven't even got to the nightmare of filing and paying claims through Obamacare.
Edited by *robin* 2013-12-31 7:42 AM
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So does everyone have their new Obamacare health policies?