|
|
 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.
| |
| | |
 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. | |
| | |
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!
karen | |
| | |
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 | |
| | |
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.........
karen | |
| | |
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? | |
| | |
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. | |
| | |
"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. | |
| | |
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 | |
| | |
 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!
karenÂ
No he should not!!! Stop blaming the Dr. for a broken system. | |
| | |
BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | Stitch4k9 - 2013-12-30 10:15 AM
carlos - 2013-12-30 8:51 AM Â 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!
karenÂ
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. | |
| | |
 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
| |
| | |
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.
| |
| | |
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 ##$$%% Egypt to find health services. | |
| | |
Shelter Dog Lover
Posts: 10277
| *robin* - 2013-12-30 4:19 PM So a friend of mine just got a bill from the hospital where she had to go have a few stitches. This is her new policy to her old policy that is Obamacare compliant. Sticker shock does not even begin to describe it. She got billed out of network. Apparently her doctors and hospital that were on the old policy are no longer on her new policy that will be offered in the exchanges. I think I have that correct given that the policy was not purchased new through Obamacare but will be offered through Obamacare. Granted she probably should have checked but who would have thunk that living in a town of her size she is going to have to drive to ##$$%% Egypt to find health services.
Yep, the great benefits of the ACA. Here is another example of that:
| |
| | |
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. | |
| | |
 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 ##$$%% Egypt to find health services.
How can this be when it doesn't even start until January 1st?
This is so confusing.
| |
| | |
I Will Not Keep Silent
Posts: 1922
Location: GA | crapshooter - 2013-12-30 7:34 PM
*robin* - 2013-12-30 2:19 PM So a friend of mine just got a bill from the hospital where she had to go have a few stitches. This is her new policy to her old policy that is Obamacare compliant. Sticker shock does not even begin to describe it. She got billed out of network. Apparently her doctors and hospital that were on the old policy are no longer on her new policy that will be offered in the exchanges. I think I have that correct given that the policy was not purchased new through Obamacare but will be offered through Obamacare. Granted she probably should have checked but who would have thunk that living in a town of her size she is going to have to drive to ##$$%% Egypt to find health services.
 This is so confusing. Â
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. | |
| | |
How freakish is that?
Posts: 3927
Location: Oregon | I don't know either. That kind of makes sense though. :) | |
| | |
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. :) Â
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
| |
| |
| |
Folks on-line