| Author | Message | ||
     Ducbsa |
Your ObamaCare!!! Fail of the Day http://pjmedia.com/vodkapundit/2015/11/10/your-oba macare-fail-of-the-day-381/ | ||
| Court |
I just did my "open enrollment". My healthcare about doubled and the deductible went up about 5X. This saving money that Obama is doing is damned confusing . . . . Anyway . . . mine gets passed on . penny for penny . . to the kind citizens of New York . . .so a big and hearty thanks to all of you. Oh . . . and thanks for the stock dividends as well . . they, I understand, get added to the rate base in the next hearing. The folks in "Obama's Neighborhood" are simply too kind . . . . | ||
| Oldog |
Well I am recovering from sticker shock the premium is up well over 25% and so is the deductible. HUH food or no pay health insurance. This would be funny if I were not forced to participate ( at the point of a gun ) where was that thing Ferris put up. | ||
| Oldog |
Ferris: Info is on the way to me, If I am accepted I am dropping your name. Thanks for putting that link up!  | ||
| Fb1 |
You're welcome, and thanks.  | ||
| Sifo |
It was hard for even me to imagine that this monstrosity would be failing so fast. Never fear though. "Too big to fail!" Big government will steal your kids fortunes to ensure that the beast gets fed. HHS: Bailing out Obamacare insurers an 'obligation' of the federal government
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| Ducbsa |
Sifo, more on that: "Marco Rubio inserted a provision “in last year's spending bill that limited the program, requiring HHS to pay out only from the pool of money collected, rather than supplementing it with other sources of government funding. President Obama signed that bill." From http://www.americanthinker.com/blog/2015/11/as_oba macare_collapses_hhs_claims_taxpayers_have_obligat ion_to_bail_out_crony_health_insurers.html A plus for Marco, but will President Lawless ignore the law again? | ||
| Crusty |
Is Obomacare a service plan for a wind instrument? "I took my oboe down to the Music shop to get it fixed. Fortunately, I had an Obomacare contract, so it cost me nothing." | ||
| Reindog |
The Middle Class is paying for your "free" Obomacare contract. You're welcome. | ||
| Crusty |
It ain't my "free" Obomacare. I don't play a musical instrument. You should thank the Insurance companies. They're the ones with a captive market, and they're only too happy to jack the rates up now that everybody is required to have health insurance. | ||
| Reindog |
No, you should thank the Democrats for failing to positively reform Health Care. They have decimated it which was clear from Day One to anyone who actually thought about it. They have made it much worse and it can be argued that was their intent in the first place so the Government can run everything (which will be an even more colossal disaster). Where the Demos failed. * Failure to provide Tort Reform. * Failure to allow Insurance competition across state lines. * Failure to expand HSAs. * Failure to empower RNs over MDs. * Failure to promote the Walmartization of health care clinics. Remember the Republicans were frozen out of debate participation which yielded 0% Republican votes. This is 100% the fault of the Communistic Democratic Party. Crusty, I am happy for you but not at the expense of the people very, very close to you (not naming names) who have had their premiums and deductibles skyrocket as a result of ACA. Crusty, not trying to start a war with you. I really dig what you are doing. | ||
| Aesquire |
You should thank the Insurance companies. Yes, they did bribe Obama to make sure they got paid. One of the "good ideas" of Obamadontcare is "no preexisting conditions". If you don't buy insurance until you get sick, it costs the insurance company a lot of money. You don't expect to buy insurance after your house burns down, do you? No one could stay in business if you could. Take me, for example, I have pre-existing conditions, meaning I got hurt before they canceled my insurance, ( because of Obamacare ) and the new insurance company couldn't turn me down. They just charge me more. Some people still get turned down, since Obamadontcare is so badly written, it has loopholes that not only Let the insurance companies screw you, they Demand that they do. Some of these loopholes are, of course, the direct result of massive bribes to the Obama Campaign, and the other Democrats. Some are just bad ideas, and some are pure incompetence. It is a bill that grew and metastasized like a cancer over years of leftist minions working on it, with frequent changes when their bosses got a bribe to make it "better" for the briber. After all, NO Congressman read the law before they voted on it. Not one. Either party. Note you don't have to read the whole bill to find the feces built in, you just have to have a minion skim it until they find the feces. To take all the feces out and make a good law, does take actually understanding it as a whole. Not one Congresscritter bothered. So, yeah, big bribes from the insurance companies made sure they wouldn't go out of business if the law was a purely socialist utopian fantasy. And, yeah, the drug companies bribed big to make sure that you can't get cheap drugs from Canada, AND that the government is not allowed to buy wholesale, ( "if we buy 5 million doses can we get a discount?" ) but has to buy retail. So, feel free to be angry at the Evil Corporations that Bribed the Politicians to stay in business, and make record profits off.... you. Do keep in mind the Politicians took massive bribes, and lied to you, and still lie to you, about pretty much everything about Obamadontcare. Also remember that Obama broke the law he signed, repeatedly, to keep you from feeling the pain built in to the law, until after the next election, or the next, or the next, so that you don't actually get the bill, until he's retired as a multi-millionaire. And rest assured, YOU get the bill. So do I and everyone who works for a living. If you no longer work for a living, it means your retirement is going to get screwed to pay for it. Since D politicians have already said they are going to steal all the retirement plans to prop up the flawed failed system until THEY retire. Very rich indeed. | ||
| Aesquire |
Then again, I could be too cynical. It's not like they gave a Billion Dollars to the company of an old school buddy of Michelle Obama, but only after her husband had coughed up a massive bribe, to do a website............ is it? That's only a thousand times more expensive than if Barry had hired competent people..... and you may ask where THAT money went? | ||
| Fb1 |
^ Gone, like a fart in the wind. | ||
| Robertl |
I helped my dad pick a plan a few days ago, so here is my feedback (just providing some info): His company has always been employee focused and self insured until now. New management in the family so they dropped insurance all together and pushed everyone to sign up for their own through the exchange. They do provide some money assistance towards the premiums. Mom has blood cancer and he has early stage parkinsons so they wanted the best coverage they could afford. With slightly lower deductibles/max out of pocket, it ended up costing him about $200/mo more. Which is a lot better than he or I was expecting, especially after reading this thread. Chemo medication is 10k/mo and think their copay was $25. That will go up to $30/mo. I work for a large software company and our medical coverage remained mostly unchanged, even with the company splitting and going private. My wife works for the same company so has the same coverage through Cigna. Employer pays first 750 of the 1500 deductible with max out of pocket 2500. Her m.s. medication is 5k/mo (60k/yr) and copay is $0. | ||
| Aesquire |
Good deals. FL has very different rules than NY. Btw, great color on the Cyclone. | ||
| Oldog |
Hey FB1 Ping me off board with your addy etc, I need to tell the folks at Liberty that you were the one that put me on to them. there may be some thing in that for you. | ||
| Reindog |
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| Gowindward |
I went the Liberty Health Share route. Will be a $280/mo reduction in cost from the increased insurance rate that Coventry threw at me and $190/mo lower than this years rate. It will feel good not being part of the whole Ovomitcare cluster f@#$!!! | ||
| Fmaxwell |
My wife underwent surgery to remove a 3.5CM brain tumor last month. Because of the Affordable Care Act ("Obamacare"), we don't have to worry that she will be denied medical insurance in the future or be offered only policies which exclude coverage for things related to the brain. We won't find ourselves facing medical bankruptcy due to a lifetime benefits cap (those caps were outlawed by the ACA). If our current insurance provider goes out of business or elects to stop selling policies in our state, she can buy another policy through another provider at rates no higher than someone who happened to be more medically fortunate than she was. If she is unable to return to work and our income is such that we could not afford insurance, we would qualify for subsidies. I'm sorry that this makes many of you mad, but I'd want no less for you if you find yourself, or a loved one, in a similar situation. | ||
| Davegess |
Yeah, Fmax, that Obamacare is a really raw deal isn't it?  | ||
| Reepicheep |
Don't paint us with a brush somebody else handed you. Insurance is a betting game. There were two ways the system was getting gamed to the detriment of everyone. 1) Insurance companies happily taking your payments, then finding ways not to pay when they "lost the bet" and you had some kind of expensive issue. 2) Individuals not buying insurance until after they knew their medical costs would exceed their insurance premiums. Both were screwing a lot of things up, and each fed into the other. The ACA tried to address both of those issues. It forces people to buy insurance, and it prevents insurance companies from dropping you if you are expensive. Kinda, I suspect. I doubt it actually does either that well, but it is likely a step closer to the right direction with regards to those two specific issues. It doesn't seem to have done much to force people to buy insurance yet, but it certianly put the screws to the insurance companies. As the roughly half of the co-ops found out when they went out of business. The argument is more about how to get there... I think one of the big problems with insurance was that I am not generally the customer. My company is the customer, they negotiate and select the insurance plans I can choose from, and pay for the coverage. The fact that I am not really the payer creates a bad triangle. Triangles are always bad. The ACA proposed to address that by turning the triangle into a square, which I am not sure is a step forward. But perhaps not a step that far backwards either, maybe it's a step sideways. I have grave concerns about the federal government making mandatory rules I have to follow, when there is so much money in the insurance industry available to influence that money. Don't kid yourself and think money and influence is a republican thing. It follows power. I'm genuinely glad that people who paid into insurance for the majority of their lives can no longer be dropped by their insurance company because they have expensive medical issues. | ||
| Fmaxwell |
Gowindward wrote: "It will feel good not being part of the whole Ovomitcare cluster f@#$!!!" Assuming that your policy meets the Minimum Essential Coverage standard, you are part of Obamacare. You just didn't buy your policy off of an exchange. Obamacare is why your new provider could not demand all of your medical records, force you to fill out huge forms listing all past medical treatments and diagnoses, and charge you higher rates for pre-existing conditions or exclude coverage for them. It's also why they can't go back and look for any mistake or omission as an excuse to cancel your policy should you develop a costly medical condition (rescission). It's why they could not set a annual or lifetime caps on your benefits. It's why they have to fully cover preventive care (immunizations, shots, screenings and tests), including a free annual wellness visit to your doctor. It's why your provider has to send you money at the end of the year if they paid out less than 80% of what they took in. I'm not under any illusions that you will "like" Obamacare after reading this, but I wanted to clear up a misconception that policies bought in the marketplace, rather than on the exchanges, are somehow not 'part of Obamacare.' | ||
| Reepicheep |
Correct Fmaxwell, and well stated. And that is one reason all policies got so much more expensive. But not the only reason, as costs were rising rapidly before anyway. It would be silly to claim the ACA is the only reason health care is expensive, but also silly to claim the significantly increased coverage that the ACA now mandates didn't add substantially to policy costs. I appreciate your thoughtful tone and fact based focus you are bringing to the discussion. | ||
| Glitch |
Fred, I'm really happy it worked out for you and yours. I should be so lucky. The hospital and rehab, was top notch, no doubt. But trying to keep up on one income, is so difficult. We pay more in insurance than ANY OTHER BILL. | ||
| Aesquire |
Fred, my prayers for her recovery, and I'm glad it's worked out for you. Even a stopped analog clock is right twice a day. O-care was supposed to fix the problem of "pre-existing conditions" and has failed to in many cases. Glad it worked in yours. | ||
| Reindog |
Obamacare is beginning to enter the predicted Death Spiral where the healthy are opting out leaving an ever expanding pool of people who need medical issues. A number of my friends have been screwed by Obamacare where their deductibles and premiums have skyrocketed. That Entity in the White House lied that we could keep our doctor and average savings would be $2400. I am glad for you Fmaxwell, but you need to thank the American Taxpayer, not Obama. I have already posted a multi point plan of needed Health Care reforms but Democrats are only interested in growing Government. Eventually, they will be washed into the gutter where they belong. | ||
| Reepicheep |
I'm a little different from your normal conservative in that I see the ACA as replacing a jacked up system with a differently jacked up system. In theory, Federal Government involvement could make the screwed up health care system better. In practice, it rarely does. And at the end of the day, the root problem remains. We, as a planet, generally have more health care needs then we have money to pay for them. | ||
| Fmaxwell |
Reepicheep wrote: "It would be silly to claim the ACA is the only reason health care is expensive, but also silly to claim the significantly increased coverage that the ACA now mandates didn't add substantially to policy costs. Part of the "cost" of a policy is how much you have to pay out of pocket. Many who complain about increases to the cost of the policies don't consider the benefits that they and their families get from better coverage, whether it's full coverage for annual wellness exams, preventive care, immunizations, screenings, or tests. The small problem discovered early on in the "free" preventive services might be easily treatable at a low cost rather than turning into a death sentence and years of suffering were it not caught until later. Thank you for your courteous, well-considered reply. Reepicheep wrote: "And at the end of the day, the root problem remains. We, as a planet, generally have more health care needs then we have money to pay for them." Unfortunately, the U.S. has about the highest costs and doesn't have the results to justify those costs. We don't have longer lifespans, lower infant mortality, or better outcomes for those with cancer, heart disease, etc. There's something inherently broken when your insurer financially benefits by you dying quickly rather than having a long life that requires medical treatments. It's broken when U.S. companies develop drugs that cost us $50/pill while the same companies sell the pills in Europe, Africa, Asia, Latin America, etc. for a fraction of that. Reindog wrote: "Obamacare is beginning to enter the predicted Death Spiral where the healthy are opting out leaving an ever expanding pool of people who need medical issues." How are they "opting out"? Are they paying a fine every year? Reindog wrote: A number of my friends have been screwed by Obamacare where their deductibles and premiums have skyrocketed." It's possible that your friends had insurance that lacked basic coverage that is now mandated. Or they may have had annual or lifetime caps on benefits. Part of what the ACA addressed were the kind of plans that left many consumers medically bankrupt despite having had insurance. Remember that the ACA requires that the insurance companies spend at least 80% of what they get in premiums on medical care. If you want to blame something for insurance costs rising, then blame despicable scum like Turing CEO Martin Shkreli who raised the price of Daraprim from $18 to $750 per pill. If that was the only thing keeping you or your loved one alive, you'd be demanding that your insurance cover it. Well, guess what: That causes insurance costs to rise. Reindog wrote: "I am glad for you Fmaxwell, but you need to thank the American Taxpayer, not Obama." The ACA, not the "American Taxpayer," is what made it illegal for insurance companies to discriminate against those with pre-existing conditions. The ACA is what stopped insurance companies from putting annual or lifetime caps on benefits. My wife has run her own business for 15 years and has bought her own insurance the entire time. And as she's aged, it's gone up (no surprise there). She's always bought good insurance, so the premiums under the ACA were in line with what she paid prior to the ACA. The big difference now is that she doesn't have to live in fear of not being able to continue buying medical insurance even after she was unlucky enough to get a brain tumor. The American Taxpayer has nothing to do with this. Aesquire wrote: "O-care was supposed to fix the problem of "pre-existing conditions" and has failed to in many cases." Are there people being denied insurance because of pre-existing conditions? How is that happening without breaking the law now? (Message edited by fmaxwell on December 11, 2015) (Message edited by fmaxwell on December 11, 2015) | ||
| Oddball |
Worse than the insurance premium prices (pay more, get less) are actual drug costs. Insulin for example, ever increasing over the last few years. My dog's insulin is $25. Mine are as much as 12 times that. |
