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 Hawty & Nawty
Posts: 20424
 
| My "Friend" had to have emergency surgery just after she was dropped from United Health Care and forced onto Obamacare. She wansn't worried and hasn't seen a bill until two days ago. Nothing is covered. Why? Because the company providing coverage under the mandate nobody has heard of. When she contacts them all she gets is the reply that her surgeon is "out of network"
It was an emergency...she didn't have time to pick a surgeon or the anesthesiologist or any of the other charges.
She tries to get past the robot on the phone and there is NO live person to explain anything to.
Had she not been dropped all she would have had to pay is her deductible of 500.00 Now she is out for more than ten thousand thanks to this new federal mandate.
Question is; Where is the money going that is pouring into Obama care.
I really want to know. Signed, confirmed tin foil hat wearer. |
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 Hugs to You
Posts: 7551
  
Location: In The Land of Cotton | Taking care of Obama?
Just had to say that. This is going to effect more and more people, sooner then later. |
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Hawty & Nawty
Posts: 20424
| How many different of these "unknown" companies are under this umbrella? |
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 Expert
Posts: 4121
Location: SE Louisiana | I'll tell you the same thing I told my dad when he saw the government buying bonds right after the SC gave the OK for this blasphemy we call obozocare.. He couldn't figure out where they were getting the money to do this and I told him it HAD to be coming from money expected from the new health care... Obozocare has nothing to do with health care, it's all about paying down on the $17,000,000,,000,000 national debt these a$$holes ran up. |
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 Expert
Posts: 1432
Location: Never in one place long | Wow, unbelievable! Sounds like the system is complete crap!!!!!!!! I would be livid. Definitely sounds like Obamacare is saving Americans!!!  sigh..... |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | I no longer have healthcare that I pay $500.00 a month for...I now have catastrophic insurance. Sucks! My deductible is $6,000. I wish I had the money we have paid into healthcare just since the DickTator has taken office. |
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 Shelter Dog Lover
Posts: 10277
| First off, this isn’t a new law. Second, after cost sharing, an ER pays about 10K/year per individual enrolled. I’ve only seen one or two cases where the penalty exceeds what an ER is currently spending. Example: Enrolled Employees: 10 Cost of Current HC:$100,000 Eligible Employees: 20 Potential Penalty: $40,000 The law creates a HUGE incentive to drop coverage and send EEs to the exchange. Only the competitive disadvantage of no longer offering coverage is currently keeping ERs offering coverage. Whoever wrote this article is lying to convince the public that we’re not moving toward socialized HC.
She sees so much that is different then what was sold to the public.
There still will be pre- existing condition clauses. She has a client that is trying to figure out how to cover an employee who has an autistic child. It is a non-profit, does not have the $$ to afford the cost of covering an autistic child, the CEO makes 90K a year, avg salary is 60K. Cost to cover the child is estimated at 100K per year. Because of the ACA, the company has to offer an all or nothing plan. They are opting to not cover the child. One would think just get him covered under the ACA, no networks in their area offer plans to cover him.
She is seeing the trend of doctors not accepting ACA because when an indiviual is enrolled, they are considered covered for 60 days even if they have not paid their premiums. Dr. offices verifying enrollment will be told they are enrolled, however at the end of 60 days if premiums are not paid they get kicked off the exchange and the doctors will not be reimbursed for their expenses even though they were told they were covered. It is up to the doctors to collect payment from the indiviual.
I could write pages and pages on what she tells me about the ACA and the ridiculousness of it. There are formulas to calculate employee hours worked, seems like it should be simple right? She said she does not have one client who can do it in house, all have to hire it out and it is so complicated.
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 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | rodeomom3 - 2014-05-28 1:30 PM
First off, this isn’t a new law. Second, after cost sharing, an ER pays about 10K/year per individual enrolled. I’ve only seen one or two cases where the penalty exceeds what an ER is currently spending.
Example:
Enrolled Employees: 10
Cost of Current HC:$100,000
Eligible Employees: 20
Potential Penalty: $40,000
The law creates a HUGE incentive to drop coverage and send EEs to the exchange. Only the competitive disadvantage of no longer offering coverage is currently keeping ERs offering coverage.
Whoever wrote this article is lying to convince the public that we’re not moving toward socialized HC.
She sees so much that is different then what was sold to the public.
There still will be pre- existing condition clauses. She has a client that is trying to figure out how to cover an employee who has an autistic child. It is a non-profit, does not have the $$ to afford the cost of covering an autistic child, the CEO makes 90K a year, avg salary is 60K. Cost to cover the child is estimated at 100K per year. Because of the ACA, the company has to offer an all or nothing plan. They are opting to not cover the child. One would think just get him covered under the ACA, no networks in their area offer plans to cover him.
She is seeing the trend of doctors not accepting ACA because when an indiviual is enrolled, they are considered covered for 60 days even if they have not paid their premiums. Dr. offices verifying enrollment will be told they are enrolled, however at the end of 60 days if premiums are not paid they get kicked off the exchange and the doctors will not be reimbursed for their expenses even though they were told they were covered. It is up to the doctors to collect payment from the indiviual.
I could write pages and pages on what she tells me about the ACA and the ridiculousness of it. There are formulas to calculate employee hours worked, seems like it should be simple right? She said she does not have one client who can do it in house, all have to hire it out and it is so complicated.
Re: the autistic child
my nephew has profound apraxia and is covered under TEFRA, a division of Medicaid. My sister and BIL pay a small portion that's set on a sliding scale per income. They couldn't afford his treatment or health coverage otherwise. |
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Hawty & Nawty
Posts: 20424
| I'm not trying to get the conservative base all ruffled up. I just truly would like to know where the fines, fees and other cost are actually going. If this is Goverment care then it is reasonable to expect some kind of Goverment report. Something that explains where the taxes are being used and the bodies of individuals in charge of making these important decisions for us. There are more than just "Death Panels" There must be some other panels of experts that are ensuring we are being financially prudent. Isn't that a reasonable expectation? Is it reasonable that unknown companies are being subsidized with our tax dollars yet are not funded to pay for a live person to operate the phone?
That sure is a ton of trust on the American people with thier money isn't it?
So, let me go on further to question this; all that private information you entered into your laptop...where did it go? To these unknown companies? Do they now know everything about you including in some cases your political affiliation?
Is this reasonable?
What if they are based out of caves in Afghanistan? I'm not kidding.
Who knows what's going on for sure? Why? Because your Senator, Congressman and maybe your best friend who talks a good game tells you to stop worrying everything will be alright?
It's not okay. It's not alright. Something is wrong. And guess what it's hitting ALL PARTIES. My friend is a die hard Obama supporter until this. She feels utterly let down because she remembers clearly...."If you like your insurance, you can keep your insurance."
Well guess what?
Edited by RidenFly 2014-05-28 1:51 PM
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Hawty & Nawty
Posts: 20424
| Is ObamaCare considred Non profit? |
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Hungarian Midget Woman
Location: Midwest | RidenFly - 2014-05-28 2:02 PM Is ObamaCare considred Non profit?
Obamacare is the nickname for the Affordable care act.
Plans offered over the exchange websites are all from private insurance companies. So those are not a non-profit.
Some insurance companies, like Aetna, are choosing to only offer insurance through group plans and not offer anything over the exchanges. |
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Hawty & Nawty
Posts: 20424
| barrelracr131 - 2014-05-29 12:09 PM RidenFly - 2014-05-28 2:02 PM Is ObamaCare considred Non profit? Obamacare is the nickname for the Affordable care act.
Plans offered over the exchange websites are all from private insurance companies. So those are not a non-profit.
Some insurance companies, like Aetna, are choosing to only offer insurance through group plans and not offer anything over the exchanges.
Cool. So who is awarded the fines and did were they clear where that money would be allocated? |
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 Ms. Poutability
Posts: 2362
Location: In my own world | I think what happened to your friend but it may not be just and Obamacare thing. My mother in law suffered a hemorrhagic stroke nearly 5 yrs ago and passed away. She was flown by the flight for life from a local hospital to a larger one equipped to handle her care. We paid the $15,000 bill for the helicopter ride because the company used was not covered by her insurance. We talked to the insurance company, a lawyer and the helicopter service because like your friend we didn't get to pick the service used. We didn't even know she was in flight until she made it to the bigger hospital. But we still had to pay the bill |
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Ms. Poutability
Posts: 2362
Location: In my own world | I think what happened to your friend but it may not be just and Obamacare thing. My mother in law suffered a hemorrhagic stroke nearly 5 yrs ago and passed away. She was flown by the flight for life from a local hospital to a larger one equipped to handle her care. We paid the $15,000 bill for the helicopter ride because the company used was not covered by her insurance. We talked to the insurance company, a lawyer and the helicopter service because like your friend we didn't get to pick the service used. We didn't even know she was in flight until she made it to the bigger hospital. But we still had to pay the bill |
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Hawty & Nawty
Posts: 20424
| livinonlove&horses - 2014-05-29 12:18 PM I think what happened to your friend but it may not be just and Obamacare thing. My mother in law suffered a hemorrhagic stroke nearly 5 yrs ago and passed away. She was flown by the flight for life from a local hospital to a larger one equipped to handle her care. We paid the $15,000 bill for the helicopter ride because the company used was not covered by her insurance. We talked to the insurance company, a lawyer and the helicopter service because like your friend we didn't get to pick the service used. We didn't even know she was in flight until she made it to the bigger hospital. But we still had to pay the bill
Understandable. Unfortunately, she was under the impression that she was safe. Is it her fault for being uninformed? Sure. However they really make you feel as though you are now covered for "whatever" may happen. |
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Cold hands and Warm Heart
Location: oklahoma | komet. - 2014-05-28 1:25 PM I'll tell you the same thing I told my dad when he saw the government buying bonds right after the SC gave the OK for this blasphemy we call obozocare.. He couldn't figure out where they were getting the money to do this and I told him it HAD to be coming from money expected from the new health care... Obozocare has nothing to do with health care, it's all about paying down on the $17,000,000,,000,000 national debt these a$$holes ran up.
That's what I figured it was going towards. Sickening that lives are being destroyed or will be for this.... We'll see more and more declaring bankruptcy, losing homes, jobs and their way of life. |
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Hawty & Nawty
Posts: 20424
| Here is the real time clock for our debt http://www.usdebtclock.org/
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Hungarian Midget Woman
Location: Midwest | RidenFly - 2014-05-28 2:17 PM barrelracr131 - 2014-05-29 12:09 PM RidenFly - 2014-05-28 2:02 PM Is ObamaCare considred Non profit? Obamacare is the nickname for the Affordable care act.
Plans offered over the exchange websites are all from private insurance companies. So those are not a non-profit.
Some insurance companies, like Aetna, are choosing to only offer insurance through group plans and not offer anything over the exchanges.
I have no idea where the fines go, if you are referring to the fines for employers not offering insurance and the fines for those who do not have health insurance.
I'm sure they will end up lining someone's pockets....
I am not sure what the law actually says though. Unfortunately I'm pretty sure what your friend experienced will become reality for many in the coming years. |
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  Warmblood with Wings
Posts: 27846
Location: Florida.. | livinonlove&horses - 2014-05-28 3:18 PM I think what happened to your friend but it may not be just and Obamacare thing. My mother in law suffered a hemorrhagic stroke nearly 5 yrs ago and passed away. She was flown by the flight for life from a local hospital to a larger one equipped to handle her care. We paid the $15,000 bill for the helicopter ride because the company used was not covered by her insurance. We talked to the insurance company, a lawyer and the helicopter service because like your friend we didn't get to pick the service used. We didn't even know she was in flight until she made it to the bigger hospital. But we still had to pay the bill
I was lifeflighted to and it was 26,000.. and they would not bargain .. had to pay it all.. or I could have paid 6,000 a month for 4 months.. nice huh.. |
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Expert
Posts: 4121
Location: SE Louisiana | CurlyQ - 2014-05-28 2:27 PM
komet. - 2014-05-28 1:25 PM I'll tell you the same thing I told my dad when he saw the government buying bonds right after the SC gave the OK for this blasphemy we call obozocare.. He couldn't figure out where they were getting the money to do this and I told him it HAD to be coming from money expected from the new health care... Obozocare has nothing to do with health care, it's all about paying down on the $17,000,000,,000,000 national debt these a$$holes ran up.
That's what I figured it was going towards. Sickening that lives are being destroyed or will be for this.... We'll see more and more declaring bankruptcy, losing homes, jobs and their way of life.
The worst part is I see the general public and the entire health care system being left out there flapping in the wind and going broke over this. |
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Folks on-line