Obamacare ? Anyone?

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Amskeptic
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Re: Obamacare ? Anyone?

Post by Amskeptic » Sat Dec 21, 2013 10:15 am

RSorak 71Westy wrote:Obama was only able to get half of his plan thru congress. For the reform to really work it needs the single payer option and we need to get private health insurances companies out of the system. Then the gov't can negotiate volume discounts and try to get health care costs under control.
That's spooky. Reading common sense like the above . . . in the middle of this convoluted painful bureaucratic tangle of "competing interests".
Colin
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Re: Obamacare ? Anyone?

Post by dtrumbo » Sat Dec 21, 2013 1:26 pm

RSorak 71Westy wrote:Obama was only able to get half of his plan thru congress. For the reform to really work it needs the single payer option and we need to get private health insurances companies out of the system. Then the gov't can negotiate volume discounts and try to get health care costs under control.
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Re: Obamacare ? Anyone?

Post by pj » Sat Dec 21, 2013 5:06 pm

RSorak 71Westy wrote:"Obama was only able to get half of his plan thru congress. For the reform to really work it needs the single payer option and we need to get private health insurances companies out of the system. Then the gov't can negotiate volume discounts and try to get health care costs under control."

I'm sure in Memphis you probably haven't seen the class "A" goat screw that is Cover Oregon. 300 million dollars has been spent on some hipster commercials that would be against the law to use at Gitmo, a website that has never worked, and every head honcho in the organization save two or three still working and promising a better day. These people could not put together a two car funeral procession.

Today we also learned that they are currently looking for high school kids to work on weekends in Salem to help folks fill out the paper applications they have resorted to. Just what I'd want to have happen, have some 17 year old help me decide which healthcare plan is best for me and my family.
We also learned today that now they are making robocalls and pretty much have declared that every man, woman, child are to fend for themselves. Which I find ironic, because wasn't this what most did before Cover Oregon came along to help?

http://www.oregonlive.com/finance/index ... _hear.html

I don't know how Nashville has setup your state's plan, but you better pray to whatever religious honcho you believe in that if single payer ever comes to the country, that we don't let the dickheads in Salem participate. We cannot afford their help.

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Re: Obamacare ? Anyone?

Post by Amskeptic » Sat Dec 21, 2013 7:22 pm

pj wrote: Today we also learned that they are currently looking for high school kids to work on weekends in Salem to help folks fill out the paper applications they have resorted to. Just what I'd want to have happen, have some 17 year old help me decide which healthcare plan is best for me and my family.
Don't misunderestimate 17 year-olds, pj. They are our future and they are generally able to work their way through the modern online world.

When I was 17, I helped an old poop get his Corvair running on the GWB. What if he had made disparaging comments about my ability to help?
I like it when the community steps up to solve issues, it's the American Way . . .
Vote pj for city council!
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(p.s. I am *mired* in the NYS ACA website application process. See, their programming cannot believe that I ran so close to the bottom on my Federal income taxes for the past few years *without any record of any government aid ever!* so they don't believe my income/expenses. Phooey, I'll show them how frugal works)
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Chloe - 70 bus . . . 217,593 miles
Naranja - 77 Westy . . . 142,970 miles
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Re: Obamacare ? Anyone?

Post by WaterDawg » Sat Dec 21, 2013 7:28 pm

I first tried signing up back in October before my trip.
It was a bust. Lots of problems and could never get past registration.
I tried again and got to the application , but then nothing.

Well I tried yesterday and ummm GULP

I had private insurance a couple of years ago through MVP via my REALTOR Association.
In 2011 it went up 33% and 2012 went up another 12.8%
I cancelled it around the beginning of 2013 when it reached $426.10 month.
My plan was a MVP EPO Preferred
I paid $40 Co Pay for office visits
I paid $60 Co Pay for Specialists
I paid the first 20% of any medical bills up to $8,000 out of pocket in a given year.

So now I look at our NEW coverage.

The cheapest plan will cost me $336 mo with no credits and for that I get to pay 100% of all costs up $3,500 and then it begins to cover 80% of the allowed billable amount. I am responsible for 100% of anything over the allowed billable amount.

In other words, if I have a procedure done and they only allow $5,000 for it, but I'm charged $8,000 I get to pay 20% of the 5k and 100% of the $3k Of course this is assuming I have already used up the $3,500

So here is my issue. I've never paid more than $5,000 in medical bills when I didn't have insurance. I always negotiated my rates with the doctors and hospitals and in the 20 something years I went without insurance, I never exceeded that $5,000 figure.

My first year I was insured with MVP I paid $3,000 on top of the $300 per month bill.
No it looks like this will be worse.

I get to pay $336 a month for the privilege of getting to pay 100% of my annual health care costs.

Yep, I'm taking it right up here... :bootyshake:

This is what we get for allowing the Health Insurance Industry to bastardize a good plan.
It will continue to be crap until we get them out of it like the rest of the world does.

https://portal.healthconnect.vermont.go ... Bronze.pdf
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Re: Obamacare ? Anyone?

Post by Amskeptic » Sat Dec 21, 2013 7:42 pm

WaterDawg wrote:ummm GULP

The cheapest plan will cost me $336 mo with no credits and for that I get to pay 100% of all costs up $3,500 and then it begins to cover 80% of the allowed billable amount. I am responsible for 100% of anything over the allowed billable amount.

In other words, if I have a procedure done and they only allow $5,000 for it, but I'm charged $8,000 I get to pay 20% of the 5k and 100% of the $3k Of course this is assuming I have already used up the $3,500

It is annoying to see all of this rigamorale, all of these plans and exclusions and tricks and expenses all to keep your money going towards THE "HEALTHCARE EXECUTIVE ADMINISTRATIVE CLASS". It sure as hell is not just paying for a nurse and a doctor and medication and your pro-rated contribution to the building's electricity and water bills.
Colin
BobD - 78 Bus . . . 112,730 miles
Chloe - 70 bus . . . 217,593 miles
Naranja - 77 Westy . . . 142,970 miles
Pluck - 1973 Squareback . . . . . . 55,600 miles
Alexus - 91 Lexus LS400 . . . 96,675 miles

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Re: Obamacare ? Anyone?

Post by hambone » Sun Dec 22, 2013 6:35 pm

That is simply awful.
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Re: Obamacare ? Anyone?

Post by Lanval » Sun Dec 22, 2013 8:00 pm

I have to look at the plan tonight, but I have to add my wife to the plan (we've been skating on good luck until now ~ covering only me and our son). I think the plan went up a bit, but let's face it... the insurance companies have used this shift to gouge; it's not the "new" cost of the plan. They were already paying people to take new subscribers, and coming up with new plans was a hardly a major cost. Adding new subscribers would reduce the plan cost (since that's exactly how insurance works) in every other part of the world. We just have a corrupted system run by technocrats.

BTW, before you tell me I don't know beans, I add this: I worked for Pacificare for a year to get my marriage visa (you had to have a full-time job to do it then) and I have a very much insider's view of how healthcare works. I know beans. If by "beans" you mean "how healthcare works".

ML

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Re: Obamacare ? Anyone?

Post by Amskeptic » Mon Dec 23, 2013 9:27 am

Lanval wrote:I have to look at the plan tonight, but I have to add my wife to the plan (we've been skating on good luck until now ~ covering only me and our son). I think the plan went up a bit, but let's face it... the insurance companies have used this shift to gouge; it's not the "new" cost of the plan. They were already paying people to take new subscribers, and coming up with new plans was a hardly a major cost. Adding new subscribers would reduce the plan cost (since that's exactly how insurance works) in every other part of the world. We just have a corrupted system run by technocrats.

BTW, before you tell me I don't know beans, I add this: I worked for Pacificare for a year to get my marriage visa (you had to have a full-time job to do it then) and I have a very much insider's view of how healthcare works. I know beans. If by "beans" you mean "how healthcare works".

ML
My bottom line - The Bottom Line Has No Place in the Health Care of Human Beings

Yes, people should make a decent living providing healthcare, but what used to be an intrinsic satisfaction has become jazzy week-end retreats enticing capitalists to join in "new profit drivers! like psychotropic medications for young children! yay!"
Colin
BobD - 78 Bus . . . 112,730 miles
Chloe - 70 bus . . . 217,593 miles
Naranja - 77 Westy . . . 142,970 miles
Pluck - 1973 Squareback . . . . . . 55,600 miles
Alexus - 91 Lexus LS400 . . . 96,675 miles

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Re: Obamacare ? Anyone?

Post by WaterDawg » Wed Jan 08, 2014 7:17 pm

While I still think we have a long way to go, I am proud that my state is aiming high

http://www.lifewithlarry.me/2014/01/08/ ... tem-state/
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Re: Obamacare ? Anyone?

Post by rallybug » Fri Jan 17, 2014 9:23 am

That's good news for VT, Dawg - always assuming it is implemented well...

I suppose that your neighbors to the south will be good to base VT's system on - taking the best bits, improving on the not-so-good bits.
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Re: Obamacare ? Anyone?

Post by 72Hardtop » Mon Mar 16, 2015 10:06 pm

In short....it's turning out to be a disaster. Ask anyone working in healthcare. Insurance companies and employers alike are continuing cancelling peoples policies left & right to this day 2+ years later.

1 year working for Pacificare? That is hardly going to make you (or anyone) an expert. Not by a long shot. Rookie material.

http://www.politifact.com/truth-o-meter ... n-keep-it/
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Re: Obamacare ? Anyone?

Post by Bleyseng » Tue Mar 17, 2015 4:55 am

"The Affordable Care Act tried to allow existing health plans to continue under a complicated process called "grandfathering," which basically said insurance companies could keep selling plans if they followed certain rules.

The problem for insurers was that the Obamacare rules were strict. If the plans deviated even a little, they would lose their grandfathered status. In practice, that meant insurers canceled plans that didn’t meet new standards."

Yes, some people had to change plans but that's because the plans didn't meet the new ACA standards. Trying to standardize all the health plans to some new standard was one of the goals of the ACA to eliminate some of the health insurance mess out there.

Most of all, the Washington Post credits Obama’s improved numbers to the economy: The so-called “recovery” finally seems to be trickling down from Wall Street to Main Street:

And although Obama’s ratings on the economy overlap with his overall rating (for obvious reasons), that is even more the case now. In December, 81 percent of those who approved of the president on the economy approved of him overall. Today, those two are even more closely tied, with 91 percent of those who support his economic record approving of him in general.

This is the second poll this year to show swiftly rising approval ratings for Obama. In January, Addicting Info reported on a poll with similar numbers from Gallup:

The President’s actions on immigration, climate change, Cuba, and community college, coupled with a falling unemployment rate, low gas prices, and high stock markets have greatly contributed to these record high approval ratings. Americans see this and for the first time since the Great Recession came down upon us, they are more optimistic than not with how the economy is going.
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Re: Obamacare ? Anyone?

Post by 72Hardtop » Tue Mar 17, 2015 8:43 am

Bleyseng wrote:"The Affordable Care Act tried to allow existing health plans to continue under a complicated process called "grandfathering," which basically said insurance companies could keep selling plans if they followed certain rules.

The problem for insurers was that the Obamacare rules were strict. If the plans deviated even a little, they would lose their grandfathered status. In practice, that meant insurers canceled plans that didn’t meet new standards."

Yes, some people had to change plans but that's because the plans didn't meet the new ACA standards. Trying to standardize all the health plans to some new standard was one of the goals of the ACA to eliminate some of the health insurance mess out there.

Most of all, the Washington Post credits Obama’s improved numbers to the economy: The so-called “recovery” finally seems to be trickling down from Wall Street to Main Street:

And although Obama’s ratings on the economy overlap with his overall rating (for obvious reasons), that is even more the case now. In December, 81 percent of those who approved of the president on the economy approved of him overall. Today, those two are even more closely tied, with 91 percent of those who support his economic record approving of him in general.

This is the second poll this year to show swiftly rising approval ratings for Obama. In January, Addicting Info reported on a poll with similar numbers from Gallup:

The President’s actions on immigration, climate change, Cuba, and community college, coupled with a falling unemployment rate, low gas prices, and high stock markets have greatly contributed to these record high approval ratings. Americans see this and for the first time since the Great Recession came down upon us, they are more optimistic than not with how the economy is going.
Obamas ratings have been less than stellar. He's as close to a socialist as one could get without setting foot on a socialist countries soil. The actual unemployment ratings are grossly skewed, stock market is artificially inflated, gas prices are a result of Bush's administration given his administration set the way for all the fracking of oil that has put us in the lead as #1 producer of both natural gas and oil ( I didn't vote for him). The dollar is grossly overinflated given this administration has been printing bills by the trillions...most of which are unaccounted for.

Employers that changed plans didn't change plans at all. They eliminated them all together. Why? Not because they couldn't meet the ACA standards. It was because those plans offered were only offered as a benefit. Once the ACA became law a lot of employers decided we don't need to offer health coverage anymore and can save big time. Essentially offering employees only 2 alternatives...

1. ACA

2. Penalty
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Re: Obamacare ? Anyone?

Post by Bleyseng » Tue Mar 17, 2015 9:21 am

You can just brush off everything with a wave saying "Its overinflated, not his doing blah blah".
BUT..
The stock market IS at all time highs.
The economy IS doing well.
Unemployment IS way low now.
Wages are slowly increasing.
The ACA IS working.

So look at the bright side and not complain, wring your hands and moan about his approval ratings as they too are way better as the GOP shoots itself time and time again in the foot.

Maybe in 2016 the Dems can get enough votes to overcome the GOP's gerrymandering.
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