Even More Obamacare Follies

[Velo Vol]

The pharmacy will let you know.

Have to buy from a mail order place and for whatever reason the website says it can't give a price until they ship.

I know a couple of people that have to have shots in their eyes about every month due to macular degeneration.

Ouch.

 

[Danl]

The last three years have been a load of **** for me. Our plan doubled.... And I mean doubled..... $750/month for family coverage up to $1500..... Obviously we had to find an alternative so now I have a $6800 ded.... Drug card $3 generic $25 brand and that's it....$800+/month.
If you're an upper middle income wage earner with a family you're just subsidizing the others.

How many in your family? I think I remember you have 4 kids??????

 

[Carl Pickens]

$800 per month is not bad, good drug card. Without the ACA your rates would probably have gone up $50 or more.

What is the problem with your coverage now, the deductible?

Other than well visit coverage a $6800 deductible....
Think about it this way..... My premium is closer to $900..... But using $800/ month x 12 months is $9600..... Throw my ded on top in the event of a sickness, accident, tests and etc. and that's $16,400/ year out of pocket before coverage kicks in.
I previously had a $2500 ded with 80% co insurance to $5k and was paying just under $700. Drug cards and dr office copays....

 

[Carl Pickens]

How many in your family? I think I remember you have 4 kids??????

Yep.... 4... The cap the charge at 3

 

[Danl]

Yep.... 4... The cap the charge at 3

You may want to consider doing what I almost did.

When my son was a teenager, I threatened to part him out. I could have gotten a lot of insurance coverage for me and Ms Danl plus a new car plus a new truck and had money left over just by selling his kidneys, liver, retinas, and heart. Lots of other organs bring high prices, too. At that time, sadly, his brain was worthless.

 

[Carl Pickens]

you may want to consider doing what i almost did.

When my son was a teenager, i threatened to part him out. I could have gotten a lot of insurance coverage for me and ms danl plus a new car plus a new truck and had money left over just by selling his kidneys, liver, retinas, and heart. Lots of other organs bring high prices, too. At that time, sadly, his brain was worthless.

👍
I'll keep the kids and part out Mrs Pickens

 

[Vol8188]

There's a difference between praising and telling it like it is. The media and government have waged a massive propaganda campaign against it in order to ram the biggest POS of legislation in history down America's throat.

Businesses exist to make a profit not to give handouts..... That's what politicians and government do

When they make a profit by breaking their agreements with their customers, that's when we take issue.

 

[Bigurnge]

Other than well visit coverage a $6800 deductible....
Think about it this way..... My premium is closer to $900..... But using $800/ month x 12 months is $9600..... Throw my ded on top in the event of a sickness, accident, tests and etc. and that's $16,400/ year out of pocket before coverage kicks in.
I previously had a $2500 ded with 80% co insurance to $5k and was paying just under $700. Drug cards and dr office copays....

I remember the days of $0.00 deductible and $10 copays. Actually wasn't that long ago.

 

[TNsnyper20]

Other than well visit coverage a $6800 deductible....
Think about it this way..... My premium is closer to $900..... But using $800/ month x 12 months is $9600..... Throw my ded on top in the event of a sickness, accident, tests and etc. and that's $16,400/ year out of pocket before coverage kicks in.
I previously had a $2500 ded with 80% co insurance to $5k and was paying just under $700. Drug cards and dr office copays....

You're insuring your family for roughly 150 per person a month. That isn't bad at all.

Now the deductible is high. But put things in perspective. The average procedure/surgery is going to nearly double that. So you're still only paying about half if God forbid something severe happened. When we had my son this past December. The c section, hospital stay, and dr charges pushed 17k. Add another 10k for a 2 day nicu stay and you can see where your deductible can be meet in the blink of an eye.

The days of zero deductibles and low copays are long gone and have been for awhile. That has nothing to do the ACA.

 

[KentheOrange]

I sincerely wish you the best. I have a cyst on the head of my pancreas that docs are monitoring, therefore I have done some research. Do you have pancreatitis?

I do not have pancreatitis. Just looked it up and have none of the symptoms.

I had prostate cancer a couple of years ago and had that puppy removed. My GI doctor seems to think these lesions are not yet malignant but will be if I don't get them out. I am fortunate that he is one of the top GI doctors in the country so I have faith that he is correct.

 

[Carl Pickens]

You're insuring your family for roughly 150 per person a month. That isn't bad at all.

Now the deductible is high. But put things in perspective. The average procedure/surgery is going to nearly double that. So you're still only paying about half if God forbid something severe happened. When we had my son this past December. The c section, hospital stay, and dr charges pushed 17k. Add another 10k for a 2 day nicu stay and you can see where your deductible can be meet in the blink of an eye.

The days of zero deductibles and low copays are long gone and have been for awhile. That has nothing to do the ACA.

What do you consider a low deductible? $2500? I know for a 100% fact that plan pricing and coverage options went to hell with the passage of the ACA. I witnessed it first hand. I saw renewal after renewal for many small businesses skyrocket.....with my own eyes bro...... There wasn't a single component of the ACA that when looked at logically was done to reduce insurance rates. Not one....

 

[TNsnyper20]

What do you consider a low deductible? $2500? I know for a 100% fact that plan pricing and coverage options went to hell with the passage of the ACA. I witnessed it first hand. I saw renewal after renewal for many small businesses skyrocket.....with my own eyes bro...... There wasn't a single component of the ACA that when looked at logically was done to reduce insurance rates. Not one....

The deductible amount is going to depend on how many you're insuring. Mine is right at 5k with myself my wife and our two kids. I would consider that about normal now. Before the ACA my deductible on a PPO plan was 4k with just my wife and I along with a higher out of pocket maximum. I'm curious as to what your out of pocket maximum is on your plan as well.

I'm not agreeing with everything in the ACA, but it has its good components. Insurance companies not being able to drop you if you are sick. Pre existing conditions being covered. And more people being covered means hospitals are actually getting paid for services rendered.

Insurance cost had been going up for decades. More and more companies have decided to do health care from their benefits because of this. So don't act like the ACA is the single reason why your plan or anyone else's increased.

Is it perfect? Hell no. But a health care reform was needed in this country.

 

[theFallGuy]

Happy Memorial Day weekend everyone!

 

[Gramps]

Let's all remember KentheOrange today and keep him in our prayers. He is having a major surgery today, removing the tail of his pancreas and his spleen.
He posted about his surgery yesterday in this thread.

 

[TNsnyper20]

Let's all remember KentheOrange today and keep him in our prayers. He is having a major surgery today, removing the tail of his pancreas and his spleen.
He posted about his surgery yesterday in this thread.

Thanks for the reminder Gramps. Hope all is well with him today.

 

[W.TN.Orange Blood]

Happy Memorial Day weekend everyone!

:dance: I'm sure that one was on the house.

 

[Bigurnge]

What do you consider a low deductible? $2500? I know for a 100% fact that plan pricing and coverage options went to hell with the passage of the ACA. I witnessed it first hand. I saw renewal after renewal for many small businesses skyrocket.....with my own eyes bro...... There wasn't a single component of the ACA that when looked at logically was done to reduce insurance rates. Not one....

Rates went up before ACA due to freeloaders. Rates go up because of ACA due to freeloaders. I don't think they wanna address the real issue.

 

[Velo Vol]

He is having a major surgery today, removing the tail of his pancreas and his spleen.

Yes. But is there any other kind?

 

[Biopsyman]

I do not have pancreatitis. Just looked it up and have none of the symptoms.

I had prostate cancer a couple of years ago and had that puppy removed. My GI doctor seems to think these lesions are not yet malignant but will be if I don't get them out. I am fortunate that he is one of the top GI doctors in the country so I have faith that he is correct.

You should have lynch screening moving forward ..

 

[Carl Pickens]

Rates went up before ACA due to freeloaders. Rates go up because of ACA due to freeloaders. I don't think they wanna address the real issue.

Let's give it another year or two ..... Maybe three. That should be long enough to see numerous state exchanges going broke.

I guess everyone had already forgotten about this guy....
Gruber In 2009: Obamacare Will NOT Be Affordable | The Daily Caller

 

[DC_Vol]

It is pointless to debate Obamacare with those who support it.

One isn't allowed to be happy with their coverage prior to ACA. No matter how satisfied one may have been with said policy, it's deemed lousy because it didn't fit what some panel of a few people decided should be covered. Or perhaps it was a Cadillac plan and TOO good.

If one's premium skyrocketed and/or one's deductible shot up, one is still told what a great deal they are getting now on the "enhanced" ACA policy (it's like they didn't even read what was paid before). Like any true Marxist, they know what other people need, can afford to pay, and should pay.

When all else fails: It was inevitable. It was going to happen anyway!

Many predictions about how the economics of Obamacare might play out are met with ridicule because said scenario hasn't happened yet....while the success of the program is measured in what might be (translated into what one hopes will be).

Despite failing to meet almost every marker of success laid out while selling the program, people who support this bill will look you in the eye and call it a great program.

Pretty soon, someone will determine a lives saved measurement thanks to ACA. It will be like that "jobs saved" number in the stimulus. So subjective it can be made as large as required based on political capital needed. And the same people I describe above will line up for the talking points.

Uncle.

 

[marcusluvsvols]

It is pointless to debate Obamacare with those who support it.

One isn't allowed to be happy with their coverage prior to ACA. No matter how satisfied one may have been with said policy, it's deemed lousy because it didn't fit what some panel of a few people decided should be covered. Or perhaps it was a Cadillac plan and TOO good.

If one's premium skyrocketed and/or one's deductible shot up, one is still told what a great deal they are getting now on the "enhanced" ACA policy (it's like they didn't even read what was paid before). Like any true Marxist, they know what other people need, can afford to pay, and should pay.

When all else fails: It was inevitable. It was going to happen anyway!

Many predictions about how the economics of Obamacare might play out are met with ridicule because said scenario hasn't happened yet....while the success of the program is measured in what might be (translated into what one hopes will be).

Despite failing to meet almost every marker of success laid out while selling the program, people who support this bill will look you in the eye and call it a great program.

Pretty soon, someone will determine a lives saved measurement thanks to ACA. It will be like that "jobs saved" number in the stimulus. So subjective it can be made as large as required based on political capital needed. And the same people I describe above will line up for the talking points.

Uncle.

Great post. Bravo.

 

[Carl Pickens]

It is pointless to debate Obamacare with those who support it.

One isn't allowed to be happy with their coverage prior to ACA. No matter how satisfied one may have been with said policy, it's deemed lousy because it didn't fit what some panel of a few people decided should be covered. Or perhaps it was a Cadillac plan and TOO good.

If one's premium skyrocketed and/or one's deductible shot up, one is still told what a great deal they are getting now on the "enhanced" ACA policy (it's like they didn't even read what was paid before). Like any true Marxist, they know what other people need, can afford to pay, and should pay.

When all else fails: It was inevitable. It was going to happen anyway!

Many predictions about how the economics of Obamacare might play out are met with ridicule because said scenario hasn't happened yet....while the success of the program is measured in what might be (translated into what one hopes will be).

Despite failing to meet almost every marker of success laid out while selling the program, people who support this bill will look you in the eye and call it a great program.

Pretty soon, someone will determine a lives saved measurement thanks to ACA. It will be like that "jobs saved" number in the stimulus. So subjective it can be made as large as required based on political capital needed. And the same people I describe above will line up for the talking points.

Uncle.

.

 

[TNsnyper20]

It is pointless to debate Obamacare with those who support it.

1)One isn't allowed to be happy with their coverage prior to ACA. No matter how satisfied one may have been with said policy, it's deemed lousy because it didn't fit what some panel of a few people decided should be covered. Or perhaps it was a Cadillac plan and TOO good.

2 If one's premium skyrocketed and/or one's deductible shot up, one is still told what a great deal they are getting now on the "enhanced" ACA policy (it's like they didn't even read what was paid before). Like any true Marxist, they know what other people need, can afford to pay, and should pay.

3 When all else fails: It was inevitable. It was going to happen anyway!

4 Many predictions about how the economics of Obamacare might play out are met with ridicule because said scenario hasn't happened yet....while the success of the program is measured in what might be (translated into what one hopes will be).

5 Despite failing to meet almost every marker of success laid out while selling the program, people who support this bill will look you in the eye and call it a great program.

6 Pretty soon, someone will determine a lives saved measurement thanks to ACA. It will be like that "jobs saved" number in the stimulus. So subjective it can be made as large as required based on political capital needed. And the same people I describe above will line up for the talking points.

7 Uncle.

Debating is good, Just because one doesn't agree with your side doesn't mean the conversation is/was pointless.

1) No argument from me here. If you were happy with your previous plan you should have been allowed to keep it. A Grandfathered plan clause should have been in the ACA. Complete fail IMO and no excuses around not having one invovled.

2) Again, this has been going on for decades. My premiums had been going up 7% or more every single year. Last year was the first time it hadn't increased. Ever. So from my point of view either your insurance company is feeding you a crock of crap and you're taking it, your company was feeding you a crock of crap and you are taking it, or you were blind the previous years. But blaming any increase on the ACA alone is "just plain dumb" (my nod the cracker barrell peg game thing on the tables)

3) what was? the increases that have been happening already? or healthcare reform? Not sure what your angle is here...

4) Agree with you here.

5) Only single minded idiots will tell you it's a great program. Again, health care reform was needed in this country. But this is far from a great program. My only hope is that both sides will work together, you know how they are supposed to, to refine the program and make it better. Certain parts are good, other parts are not. Work together to make it better. But, we all know that isn't going to happen. I mean what a laughable concept a government that will actually work to make things better.. hah

6) That's what you do when you are supporting a program/bill/anything. You take any bit of data that you can use to support your side and use it to your advantage. Same way you will take anything that you can use against one you don't support. You use it. not a difficult concept to grasp.

7)

Made me laugh

 

[Velo Vol]

5) Only single minded idiots will tell you it's a great program. Again, health care reform was needed in this country. But this is far from a great program. My only hope is that both sides will work together, you know how they are supposed to, to refine the program and make it better. Certain parts are good, other parts are not. Work together to make it better. But, we all know that isn't going to happen. I mean what a laughable concept a government that will actually work to make things better.. hah

Health care reform is largely a misnomer because it's mostly health insurance reform.