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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.................. Â 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. Â
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. Â
karenÂ
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.................. Â 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. Â
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. Â
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.
karenÂ
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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Folks on-line