my experince with obama care

[Grapesoda]

so I am with Aetna, in 2011 was $331 a month with a $2000 deductible for a ppo, been raised to $398 with a $68 raise in price for the ONE MONTH before Aetna leaves the state I live in...

so I just applied with blue cross.... be $478 with a $5000 deductible + $20 pediatric dental... for a ppo, so $498 basically.... which isn't that much higher than the $466 I would be paying with Aetna... just a 3K raise in deductible + $30 a month ...

the bad news for me is I made less money in 2013, BUT I also spent less so my tax liability went UP...

[Robbie]

Yep, the "Affordable" Health Care Act is running up the cost.

Typical dumbass politicians and bureaucrats meddling in shit they don't understand.

[Tom_PM]

Only 30 million more people now able to get health insurance that were not able to before. Hardly any benefit at all.

snarkasm mode deactivating.

[Fat Panda]

what do you expect from a radical right wing fascist health care law?

amerika = take from middle class and future generations and redistribute to plutocrats and corporations

[BaliPimp]

Originally Posted by Tom_PM

Only 30 million more people now able to get health insurance that were not able to before. Hardly any benefit at all.

snarkasm mode deactivating.

So people that actually pay for their healthcare are also paying for 30 million other people too? Sounds like a great plan, pay alot more for less coverage.

[dyna mo]

blue cross is always slightly more expensive than aetna in every insurance quote i run for me. even before obamacare.

[whOaKemosabe]

did you get an obama phone

[dyna mo]

Originally Posted by BaliPimp

So people that actually pay for their healthcare are also paying for 30 million other people too? Sounds like a great plan, pay alot more for less coverage.

not exactly. everyone pays, that's the keystone of obamacare. but the fact is the system has not allowed access for everyone.

throughout history, it's a sign of advanced/civilized societies for the haves to help the have-nots.

[BaliPimp]

Originally Posted by dyna mo

not exactly. everyone pays, that's the keystone of obamacare. but the fact is the system has not allowed access for everyone.

throughout history, it's a sign of advanced/civilized societies for the haves to help the have-nots.

oh I see. So the 30 million new insured people can now afford insurance even though the cost has gone up. I dont equate how the have nots can afford this new higher insurance.

So where is this new found money coming from? And why doesnt everyone have access? Not trolling, I just dont understand.

[Grapesoda]

Originally Posted by BaliPimp

oh I see. So the 30 million new insured people can now afford insurance even though the cost has gone up. I dont equate how the have nots can afford this new higher insurance.

So where is this new found money coming from? And why doesnt everyone have access? Not trolling, I just dont understand.

the one major reason people fought Obama care is the reason you just stated... the is no funding attached to the plan... so those who can pay, pay more, while those that can't pay are given health ins... there is no new found money.... just the deficit getting deeper

[dyna mo]

Originally Posted by BaliPimp

oh I see. So the 30 million new insured people can now afford insurance even though the cost has gone up. I dont equate how the have nots can afford this new higher insurance.

So where is this new found money coming from? And why doesnt everyone have access? Not trolling, I just dont understand.

i'm a perfect example. i'm a small business owner with a pre-existing condition. i've been denied insurance for the last 30 years, regardless of my being able to afford it. i've paid my way for all my health needs, including $100s in monthly medicine, er trips, etc.

i've been a have-not of insurance due to this.

all insurance policies are mathmatically placed in umbrellas. if you are of certain health, you are placed in a group of others with that same level of health and your policies are all ~the same cost, those that are healthier have a higher profit margin built-in to their policies to cover those that have higher health costs but marginally higher insurance premiums.

obamacare is no different than this. it just reshuffles the deck and, hopefully, will allow people like me access to the system. emphasis on hopefully. i don't expect great things but i am looking forward to seeing how it works out.

[dyna mo]

Originally Posted by Grapesoda

the one major reason people fought Obama care is the reason you just stated... the is no funding attached to the plan... so those who can pay, pay more, while those that can't pay are given health ins... there is no new found money.... just the deficit getting deeper

it's no different than current *funding*.

[Yanks_Todd]

Originally Posted by Grapesoda

so I am with Aetna, in 2011 was $331 a month with a $2000 deductible for a ppo, been raised to $398 with a $68 raise in price for the ONE MONTH before Aetna leaves the state I live in...

so I just applied with blue cross.... be $478 with a $5000 deductible + $20 pediatric dental... for a ppo, so $498 basically.... which isn't that much higher than the $466 I would be paying with Aetna... just a 3K raise in deductible + $30 a month ...

the bad news for me is I made less money in 2013, BUT I also spent less so my tax liability went UP...

Did your hospitalization coverage improve? Curious as that seems to be the extra coverage that is raising the rate.

[kane]

Originally Posted by dyna mo

i'm a perfect example. i'm a small business owner with a pre-existing condition. i've been denied insurance for the last 30 years, regardless of my being able to afford it. i've paid my way for all my health needs, including $100s in monthly medicine, er trips, etc.

i've been a have-not of insurance due to this.

all insurance policies are mathmatically placed in umbrellas. if you are of certain health, you are placed in a group of others with that same level of health and your policies are all ~the same cost, those that are healthier have a higher profit margin built-in to their policies to cover those that have higher health costs but marginally higher insurance premiums.

obamacare is no different than this. it just reshuffles the deck and, hopefully, will allow people like me access to the system. emphasis on hopefully. i don't expect great things but i am looking forward to seeing how it works out.

I'm in the same boat. Self employed and have asthma so for years I only had a very basic catastrophic health insurance police (or none at all) and I paid for 95% of my medical care out of pocket. With Obamacare I will be getting much better insurance for only about $40 per month more. Of course none of this is set in stone until the new policy actually goes into effect.

[dyna mo]

Originally Posted by kane

I'm in the same boat. Self employed and have asthma so for years I only had a very basic catastrophic health insurance police (or none at all) and I paid for 95% of my medical care out of pocket. With Obamacare I will be getting much better insurance for only about $40 per month more. Of course none of this is set in stone until the new policy actually goes into effect.

i've got my first appointment with a specialist i've had in years and years. which was the other shitty part about being denied insurance- specialists, at least the ones i need to see (endocrinologists mostly) won't even make an appt to see you if you don't have insurance.

heck, even when you do have insurance, endos often times are not seeing new patients. i feel like i was very lucky in finding a local endo that will see me starting in 2014!

[Robbie]

All I know is...for those of us who make good money, we are getting screwed hard.
No govt. subsidies.

And for the middle class of America, they too are getting screwed hard.

Obama (out of his own lying mouth) said over and over: "The average family will save $2500 a year"
That was a lie.

He said: "It will not raise the deficit by one thin dime"
That was a lie.

He said: "If you like your current plan you can keep your current plan. If you like your current doctor you can keep your current doctor. Period"
That was a lie.

And by the way...the federal govt. says that 30 million people will STILL be uninsured when it's all over.

So for a few of you who don't make much money and have pre-existing conditions, this is GREAT!
But for the vast majority of people, it really really sucks.

I checked for myself and my family. We would be paying about $20 less per month BUT with much less coverage (unless you count ME being covered for pregnancy) and a much, much higher deductible.
So I will end up paying about the same and getting far less.

I've actually been hearing the theory put out that this whole thing was designed from the start to fail.
That way, the govt. can then say it "tried" and move straight to full socialized medicine (single pay).

That has to be what is happening. No way that any intelligent person couldn't have seen that this was never going to work.

[dyna mo]

Originally Posted by Robbie

All I know is...for those of us who make good money, we are getting screwed hard.

speak for yourself. you don't speak for the entire group of those of us who make good money.

[kane]

Originally Posted by Robbie

All I know is...for those of us who make good money, we are getting screwed hard.
No govt. subsidies.

And for the middle class of America, they too are getting screwed hard.

Obama (out of his own lying mouth) said over and over: "The average family will save $2500 a year"
That was a lie.

He said: "It will not raise the deficit by one thin dime"
That was a lie.

He said: "If you like your current plan you can keep your current plan. If you like your current doctor you can keep your current doctor. Period"
That was a lie.

And by the way...the federal govt. says that 30 million people will STILL be uninsured when it's all over.

So for a few of you who don't make much money and have pre-existing conditions, this is GREAT!
But for the vast majority of people, it really really sucks.

I checked for myself and my family. We would be paying about $20 less per month BUT with much less coverage (unless you count ME being covered for pregnancy) and a much, much higher deductible.
So I will end up paying about the same and getting far less.

I've actually been hearing the theory put out that this whole thing was designed from the start to fail.
That way, the govt. can then say it "tried" and move straight to full socialized medicine (single pay).

That has to be what is happening. No way that any intelligent person couldn't have seen that this was never going to work.

For me it isn't about subsidies that make the difference. My asthma medicine is about $500 a month then I spend a decent amount on top of that with doctor visits, labs and all the other expensive crap that comes with it. My premium could double in price and I would still come out ahead. The big difference for me is that they can't deny the preexisting condition any longer.

I do agree completely that this is the first step towards a single payer socialized system. I don't know if it was designed to fail or not, but I think it will eventually prove itself to be unsustainable and we will move more towards single payer from here.

[Robbie]

Originally Posted by dyna mo

speak for yourself. you don't speak for the entire group of those of us who make good money.

Sure I am.
If you make good money there is NO govt. "subsidy" for you.

It would be great if your income is at poverty level. Then you would get insurance coverage basically paid for by the taxpayers.

I also read that the vast majority of people are jumping onto Medicare. So their "health" coverage is now free.

The whole thing is completely set up to fail (as far as being able to not go bankrupt).

Heck I would be jumping for joy if I had seen my insurance rates go down and my coverage remain the same. Nope. Obama just flat out lied about that...or he is so incompetent that he was too dumb to know it.

I don't think the man is dumb. So therefore he knowingly lied his ass off.

Congrats to you for getting health insurance. What is wrong with you that you were unable to get it to begin with? What is your pre-existing condition if that's not too personal a question.

And I have found that all doctors and specialists WILL see you when you walk in and pay in advance in cash by the way.
I do that all the time because when you pay in cash they charge you the "real" price, not the jacked up fake insurance claim price.

[crockett]

Originally Posted by Grapesoda

the one major reason people fought Obama care is the reason you just stated... the is no funding attached to the plan... so those who can pay, pay more, while those that can't pay are given health ins... there is no new found money.... just the deficit getting deeper

Actually it depends what state you live in.. Every single "red" state turned down the medicaid expansion, this is going to actually cost their states more in the long run and also causes premiums to cost more. IE they shot them selves in the foot just for spite..and fucked over their state's tax payers while snubbing their nose..

The funny thing is just a few days ago, it was outed that FL finally realized how bad they fucked up and are now in secret talks to get the Medicaid expansion..

[dyna mo]

nothing's wrong with me robbie, i have type 1 diabetes.

and no, i can tell you after 30+ years of having it, specialists will not see you without insurance, that whole pay in cash real price thing you talk about is a myth at the doctor's office level, you talk like you are the only one walking into doctor's office with cash. you are not, it's ALL i've ever done for 3+ decades and for the last 1/2 of that they stopped accepting cash customers and those *deals* you talk about are at hospitals. again, speaking from many many experiences of dealing with a major disease in cash.


the simple fact of the matter is a specialist's doctor's office knows that their fees are just the beginning and the really expensive shit comes with all the testing a specialists requires.

they don't want the nightmare of dealing with cash customers paying that way.

i know what i am talking about here.

[Robbie]

Originally Posted by crockett

Actually it depends what state you live in.. Every single "red" state turned down the medicaid expansion, this is going to actually cost their states more in the long run and also causes premiums to cost more. IE they shot them selves in the foot just for spite..and fucked over their state's tax payers while snubbing their nose..

The funny thing is just a few days ago, it was outed that FL finally realized how bad they fucked up and are now in secret talks to get the Medicaid expansion..

So did California not bow down to the feds too?

It's my understanding that rates in California are going up by 200%

But you're probably right. ObamaCare isn't working because of "Red States"

Matter of fact anything that DOES work (which hasn't been much) is all credited to Baby Jesus Obama.
Everything that doesn't work...well, that's the Republicans fault (and can all be directly attributed to Bush).

There has never been a President more Teflon Coated than Obama. He has never done anything wrong. He's a genius. And even when he lies right to your face...it's still Bush's fault.

[Robbie]

Originally Posted by dyna mo

nothing's wrong with me robbie, i have type 1 diabetes.

that whole pay in cash real price thing you talk about is a myth at the doctor's office level

It's not a myth to me. I've done it my whole life.

And when I had my neck broken and had the corporation that owned the hospital reveal the "real" price and negotiate the payments with me (I had no insurance at that time)...my eyes were opened and I saw the truth. They told me flat out how it worked.

By the way, I have several members of my family in Fla. with diabetes. They all have insurance. How the heck are you not able to get any? Is there something else involved in the condition?

[dyna mo]

Originally Posted by Robbie

It's not a myth to me. I've done it my whole life.

And when I had my neck broken and had the corporation that owned the hospital reveal the "real" price and negotiate the payments with me (I had no insurance at that time)...my eyes were opened and I saw the truth. They told me flat out how it worked.

By the way, I have several members of my family in Fla. with diabetes. They all have insurance. How the heck are you not able to get any? Is there something else involved in the condition?

they didn't have diabetes before they got their insurance. diabetes is the #1 most common pre-existing condition that causes denial.

you say the hospital revealed the *real* price. i don't disagree with that and mentioned that hospitals still do that but specialists (again, i said the ones that i've dealt with and attempted to deal with) stopped that a long time ago. and even everything from the local clinic to the primcary care doctor state their visit price is the same for cash customers or insured. i call and ask how much is a visit, it's $85. ok, how much if i pay cash, it's $85.

the hospital is different and in fact, i've been hospitalized 3x in the last 2 years in 2 different states and the bill comes automatically itemized with the insured cost in one column and the cash price in another.

all 3 times the bill was printed out that way.

[Chris]

from what ive seen this new bill has only helped the poor and killed the middle class


/leaves thread

[Grapesoda]

Originally Posted by Yanks_Todd

Did your hospitalization coverage improve? Curious as that seems to be the extra coverage that is raising the rate.

not sure about that..... did the hospital in 2012... bill 60K, insurance discount took the bill to around 11K, I have to pay a bit over 6K... possibly about the same

[Grapesoda]

Originally Posted by crockett

Actually it depends what state you live in.. Every single "red" state turned down the medicaid expansion, this is going to actually cost their states more in the long run and also causes premiums to cost more. IE they shot them selves in the foot just for spite..and fucked over their state's tax payers while snubbing their nose..

The funny thing is just a few days ago, it was outed that FL finally realized how bad they fucked up and are now in secret talks to get the Medicaid expansion..

I live in a blue state

[Sly]

Originally Posted by Grapesoda

I live in a blue state

Nonsense. Montana is a red state.

[AmeliaG]

Originally Posted by dyna mo

nothing's wrong with me robbie, i have type 1 diabetes.

and no, i can tell you after 30+ years of having it, specialists will not see you without insurance, that whole pay in cash real price thing you talk about is a myth at the doctor's office level, you talk like you are the only one walking into doctor's office with cash. you are not, it's ALL i've ever done for 3+ decades and for the last 1/2 of that they stopped accepting cash customers and those *deals* you talk about are at hospitals. again, speaking from many many experiences of dealing with a major disease in cash.


the simple fact of the matter is a specialist's doctor's office knows that their fees are just the beginning and the really expensive shit comes with all the testing a specialists requires.

they don't want the nightmare of dealing with cash customers paying that way.

i know what i am talking about here.

One of the things I prefer about being uninsured is that I can choose my own specialists and not stress about in network or not.

Where do you live? I wonder if it is a state thing.

Also, if you are elderly, then a lot of doctors won't take you on because of existing limits on what can be charged, with or without insurance.

[Grapesoda]

Originally Posted by AmeliaG

One of the things I prefer about being uninsured is that I can choose my own specialists and not stress about in network or not.

Where do you live? I wonder if it is a state thing.

Also, if you are elderly, then a lot of doctors won't take you on because of existing limits on what can be charged, with or without insurance.

get a PPO... then you choose your DR

[bronco67]

Originally Posted by Sly

Nonsense. Montana is a red state.

All three people living there are Republican.

[dyna mo]

Originally Posted by AmeliaG

One of the things I prefer about being uninsured is that I can choose my own specialists and not stress about in network or not.

Where do you live? I wonder if it is a state thing.

Also, if you are elderly, then a lot of doctors won't take you on because of existing limits on what can be charged, with or without insurance.

i'm in los angeles.

naw, not elderly. this has been the case for several states i've lived in.
in doing a brief google, type 1 diabetics are automatically declined while non-insulin dependent diabetics may not necc be denied

Certain serious conditions, including cancer, heart-disease or insulin-dependent diabetes, may result in an automatic decline by the insurance company. However, there are a number of other common medical conditions thay may not necessarily prevent applicants from obtaining individual or family coverage.

http://www.ehealthinsurance.com/indi...ng-conditions/

i'm not aware of any limits on charges, the endo i am scheduled to see in january charges $650 for the initial visit + lab work. it will be a minimum of a couple grand just to get dialed in with her and that's before she really takes over my situation

It was way less than 30 million uninsured when we started. Research the real number and tune in to Mark Levin if you care about freedom and a preserving the Constitution.

[Robbie]

Well, Mark is a little bit biased don't you think?

Not saying he isn't right on some things. But he is too biased to the right to be able to be included in the discussion because anything he says is automatically discounted by Obamapologists.

[ls101]

$498 is not affordable for other citizen.

[arock10]

Costs should go up. They'd go up obamacare or no. Taxes should go up too

[Robbie]

Originally Posted by arock10

Costs should go up. They'd go up obamacare or no. Taxes should go up too

Really? People are barely getting by and you think costs should go up? And taxes too?

Well then you are gonna be happy! Cause they are going up!

Obama lied through his teeth! But you don't care right? Fuck people trying to make a living in this world, Fuck people trying to save money, Fuck people trying to put their kids through college!

Costs NEED to go up! The Govt. NEEDS to make more money and spend more too because they have done such a GREAT job of it so far!

Yeah bro! Great fucking idea!

[2MuchMark]

So ... not being refused insurance or a payout based on a pre existing condition is somehow better than Obamacare?

[arock10]

Well we could just continue on the current fair system of screwing the poor and the middle class instead. That's an option too I reckon. With money equaling speech these days it seems pretty likely
The libertarian utopian paradise is what the extremely wealthy want ;)

[Robbie]

So you think that it's better even though we will STILL have 30 Million people without insurance and ADD 2 trillion dollars to the debt. And insurance will cost more.

And that's an improvement?

Nope.

I've said it over and over and over...instead of giving a giant gift to the insurance companies...Congress should instead have done something about the horrific pricegouging that is done to the American consumer.

$50 for a paper dixie cup to have water to take a $10 tylenol? That's a fucking rip off.

And you have to jump through hoops to even try to get an itemized bill from your doctor or a hospital.

Obama SHOULD have addressed that. Not tried this joke of an insurance scam.

Address tort reform. STOP the Pharmaceutical companies from price gouging U.S. citizens on prescription drugs.
STOP hospitals from over-charging.

Any other industry would be regulated and not allowed to do these things.

But no. Instead all Obama did was drive up the deficit by 2 trillion dollars for "Obama Care" (he lied in the beginning and said it wouldn't "add to the deficit by one thin dime"), and hand the insurance companies a HUGE gift: Forcing every living human being in the United States to purchase their product.

No arock10, the govt. getting involved a few decades back is what led to health care prices skyrocketing (just like the cost of college did when the govt. started doing student loans).

Anytime that a business like the medical industry gets a whiff of potential unlimited funds (taxpayer money) the prices always mysteriously go UP.

THAT is what should have been addressed.

But Obama and every member of Congress are crooked politicians who wouldn't dare piss off the rich pharmaceutical companies, hospital-owning corporations, and the medical community.

So we are all getting milked dry.

The majority of Americans were indeed better off before Obama-Care. A small minority will benefit at the cost of a 2 TRILLION addition to our debt and the majority of Americans paying more and getting less.

In other words the exact opposite of what Pres. Obama promised on the campaign trail over and over and over.

[PornoMonster]

Originally Posted by dyna mo

not exactly. everyone pays, that's the keystone of obamacare. but the fact is the system has not allowed access for everyone.

throughout history, it's a sign of advanced/civilized societies for the haves to help the have-nots.

WRONG..

Everyone does NOT pay...

[PornoMonster]

Originally Posted by dyna mo

nothing's wrong with me robbie, i have type 1 diabetes.

and no, i can tell you after 30+ years of having it, specialists will not see you without insurance, that whole pay in cash real price thing you talk about is a myth at the doctor's office level, you talk like you are the only one walking into doctor's office with cash. you are not, it's ALL i've ever done for 3+ decades and for the last 1/2 of that they stopped accepting cash customers and those *deals* you talk about are at hospitals. again, speaking from many many experiences of dealing with a major disease in cash.


the simple fact of the matter is a specialist's doctor's office knows that their fees are just the beginning and the really expensive shit comes with all the testing a specialists requires.

they don't want the nightmare of dealing with cash customers paying that way.

i know what i am talking about here.

Not a Myth in my state either.
You also must not know how insurance companies work.

Say you have 80/20 so You have to pay 20% of the bill.
The insurance company then negotiates with the doctors to get a better deal on that 80%.

[onwebcam]

Originally Posted by Grapesoda

so I am with Aetna, in 2011 was $331 a month with a $2000 deductible for a ppo, been raised to $398 with a $68 raise in price for the ONE MONTH before Aetna leaves the state I live in...

so I just applied with blue cross.... be $478 with a $5000 deductible + $20 pediatric dental... for a ppo, so $498 basically.... which isn't that much higher than the $466 I would be paying with Aetna... just a 3K raise in deductible + $30 a month ...

the bad news for me is I made less money in 2013, BUT I also spent less so my tax liability went UP...

The year is not over so there's plenty of time to reduce that.. Until this law is overturned in one way or another, I will be greatly reducing my tax liability by switching from self-employed to business payroll. The added benefit in my drastically reduced income will be subsidized insurance. That's if I'm ever able to sign up.

[TrashyGirl]

Originally Posted by BaliPimp

So people that actually pay for their healthcare are also paying for 30 million other people too? Sounds like a great plan, pay alot more for less coverage.

yeah it's fucked (for me, I'll be paying higher premium w/ higher deductible and I haven't used my insurance in years, it's just there "if" I need it). Plus in the USA our taxes are paying for healthcare insurance or healthcare for govt employees, military & their families, veterans, prisoners, Medicare for the elderly or disabled, Medicaid for low income persons and families.

[Grapesoda]

Originally Posted by ls101

$498 is not affordable for other citizen.

and that's just for a single person

[Grapesoda]

Originally Posted by Robbie

Really? People are barely getting by and you think costs should go up? And taxes too?

Well then you are gonna be happy! Cause they are going up!

Obama lied through his teeth! But you don't care right? Fuck people trying to make a living in this world, Fuck people trying to save money, Fuck people trying to put their kids through college!

Costs NEED to go up! The Govt. NEEDS to make more money and spend more too because they have done such a GREAT job of it so far!

Yeah bro! Great fucking idea!

Obama has lied through his teeth since day one when his senate seat went up for sale

[dyna mo]

Originally Posted by PornoMonster

Not a Myth in my state either.
You also must not know how insurance companies work.

Say you have 80/20 so You have to pay 20% of the bill.
The insurance company then negotiates with the doctors to get a better deal on that 80%.

i could not give 2 shits about what the insurance company negotiates. i know what i've negotiated. it's beyond silly of you to think otherwise.

funny how some peeps here feel the need to tell me that my actual 30+ years of experience dealing with a pre-existing condition aren't true.

you dipshits should be asking me how i've done it, instead you're telling me i did it wrong.



classic gfy.

[dyna mo]

Originally Posted by PornoMonster

WRONG..

Everyone does NOT pay...

relax dipshit.

[baddog]

Originally Posted by Fat Panda

what do you expect from a radical right wing fascist health care law?

amerika = take from middle class and future generations and redistribute to plutocrats and corporations

What radical right wing fascist health care law would that be?

[L-Pink]

Originally Posted by Grapesoda

so I am with Aetna, in 2011 was $331 a month with a $2000 deductible for a ppo, been raised to $398 with a $68 raise in price for the ONE MONTH before Aetna leaves the state I live in...

so I just applied with blue cross.... be $478 with a $5000 deductible + $20 pediatric dental... for a ppo, so $498 basically.... which isn't that much higher than the $466 I would be paying with Aetna... just a 3K raise in deductible + $30 a month ...

Another way to look at your $3000 deductable increase is your rates just went up an extra $250 a month


.