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Affordable Care Act (ACA) - Obamacare
- Thread starter Michael Scally MD
- Start date
nuncaquite
New Member
Millions Flee Obamacare : The New Yorker
Did you really try and pass this off as the truth? You did, didnt you?
It's called satire...I find it funny.
nuncaquite
New Member
I know what it is called. I find it funny that it was posted in hopes that it would pass for something near the truth.
What was funny about it? Side splitting funny or mildly funny?[
)]I know what it is called. I find it funny that it was posted in hopes that it would pass for something near the truth.
What was funny about it? Side splitting funny or mildly funny?[
If you knew what satire is then you'd know it WAS NOT even REMOTELY posted in hopes that it would be passes off as near truth....just a satirical piece on Obomacare....lol.
Mildly funny BTW because I know there are Teabaggers out there threatening to leave....as if anyone cares!
Note: NOT Satire!
THE REIGN OF MORONS IS HERE
http://www.esquire.com/blogs/politics/Shutdown_Blues
Only the truly child-like can have expected anything else.
In the year of our Lord 2010, the voters of the United States elected the worst Congress in the history of the Republic. There have been Congresses more dilatory. There have been Congresses more irresponsible, though not many of them. There have been lazier Congresses, more vicious Congresses, and Congresses less capable of seeing forests for trees. But there has never been in a single Congress -- or, more precisely, in a single House of the Congress -- a more lethal combination of political ambition, political stupidity, and political vainglory than exists in this one, which has arranged to shut down the federal government because it disapproves of a law passed by a previous Congress, signed by the president, and upheld by the Supreme Court, a law that does nothing more than extend the possibility of health insurance to the millions of Americans who do not presently have it, a law based on a proposal from a conservative think-tank and taken out on the test track in Massachusetts by a Republican governor who also happens to have been the party's 2012 nominee for president of the United States. That is why the government of the United States is, in large measure, closed this morning.
We have elected the people sitting on hold, waiting for their moment on an evening drive-time radio talk show.
We have elected an ungovernable collection of snake-handlers, Bible-bangers, ignorami, bagmen and outright frauds, a collection so ungovernable that it insists the nation be ungovernable, too. We have elected people to govern us who do not believe in government.
We have elected a national legislature in which Louie Gohmert and Michele Bachmann have more power than does the Speaker of the House of Representatives, who has been made a piteous spectacle in the eyes of the country and doesn't seem to mind that at all. We have elected a national legislature in which the true power resides in a cabal of vandals, a nihilistic brigade that believes that its opposition to a bill directing millions of new customers to the nation's insurance companies is the equivalent of standing up the the Nazis in 1938, to the bravery of the passengers on Flight 93 on September 11, 2001, and to Mel Gibson's account of the Scottish Wars of Independence in the 13th Century. We have elected a national legislature that looks into the mirror and sees itself already cast in marble.
We did this. We looked at our great legacy of self-government and we handed ourselves over to the reign of morons.
This is what they came to Washington to do -- to break the government of the United States. It doesn't matter any more whether they're doing it out of pure crackpot ideology, or at the behest of the various sugar daddies that back their campaigns, or at the instigation of their party's mouthbreathing base. It may be any one of those reasons. It may be all of them. The government of the United States, in the first three words of its founding charter, belongs to all of us, and these people have broken it deliberately. The true hell of it, though, is that you could see this coming down through the years, all the way from Ronald Reagan's First Inaugural Address in which government "was" the problem, through Bill Clinton's ameliorative nonsense about the era of big government being "over," through the attempts to make a charlatan like Newt Gingrich into a scholar and an ambitious hack like Paul Ryan into a budget genius, and through all the endless attempts to find "common ground" and a "Third Way." Ultimately, as we all wrapped ourselves in good intentions, a prion disease was eating away at the country's higher functions. One of the ways you can acquire a prion disease is to eat right out of its skull the brains of an infected monkey. We are now seeing the country reeling and jabbering from the effects of the prion disease, but it was during the time of Reagan that the country ate the monkey brains.
What is there to be done? The first and most important thing is to recognize how we came to this pass. Both sides did not do this. Both sides are not to blame. There is no compromise to be had here that will leave the current structure of the government intact. There can be no reward for this behavior. I am less sanguine than are many people that this whole thing will redound to the credit of the Democratic party. For that to happen, the country would have to make a nuanced judgment over who is to blame that, I believe, will be discouraged by the courtier press of the Beltway and that, in any case, the country has not shown itself capable of making. For that to happen, the Democratic party would have to be demonstrably ruthless enough to risk its own political standing to make the point, which the Democratic party never has shown itself capable of doing. With the vandals tucked away in safe, gerrymandered districts, and their control over state governments probably unshaken by events in Washington, there will be no great wave election that sweeps them out of power. I do not see profound political consequences for enough of them to change the character of a Congress gone delusional. The only real consequences will be felt by the millions of people affected by what this Congress has forced upon the nation, which was the whole point all along.
Among other things, the Library Of Congress is closed as a result of what the vandals have done. Padlock study and intellect. Wander aimlessly down the mall among the shuttered monuments to self-government. Find yourself a food truck that serves monkey brains. Eat your fking fill.
THE REIGN OF MORONS IS HERE
http://www.esquire.com/blogs/politics/Shutdown_Blues
Only the truly child-like can have expected anything else.
In the year of our Lord 2010, the voters of the United States elected the worst Congress in the history of the Republic. There have been Congresses more dilatory. There have been Congresses more irresponsible, though not many of them. There have been lazier Congresses, more vicious Congresses, and Congresses less capable of seeing forests for trees. But there has never been in a single Congress -- or, more precisely, in a single House of the Congress -- a more lethal combination of political ambition, political stupidity, and political vainglory than exists in this one, which has arranged to shut down the federal government because it disapproves of a law passed by a previous Congress, signed by the president, and upheld by the Supreme Court, a law that does nothing more than extend the possibility of health insurance to the millions of Americans who do not presently have it, a law based on a proposal from a conservative think-tank and taken out on the test track in Massachusetts by a Republican governor who also happens to have been the party's 2012 nominee for president of the United States. That is why the government of the United States is, in large measure, closed this morning.
We have elected the people sitting on hold, waiting for their moment on an evening drive-time radio talk show.
We have elected an ungovernable collection of snake-handlers, Bible-bangers, ignorami, bagmen and outright frauds, a collection so ungovernable that it insists the nation be ungovernable, too. We have elected people to govern us who do not believe in government.
We have elected a national legislature in which Louie Gohmert and Michele Bachmann have more power than does the Speaker of the House of Representatives, who has been made a piteous spectacle in the eyes of the country and doesn't seem to mind that at all. We have elected a national legislature in which the true power resides in a cabal of vandals, a nihilistic brigade that believes that its opposition to a bill directing millions of new customers to the nation's insurance companies is the equivalent of standing up the the Nazis in 1938, to the bravery of the passengers on Flight 93 on September 11, 2001, and to Mel Gibson's account of the Scottish Wars of Independence in the 13th Century. We have elected a national legislature that looks into the mirror and sees itself already cast in marble.
We did this. We looked at our great legacy of self-government and we handed ourselves over to the reign of morons.
This is what they came to Washington to do -- to break the government of the United States. It doesn't matter any more whether they're doing it out of pure crackpot ideology, or at the behest of the various sugar daddies that back their campaigns, or at the instigation of their party's mouthbreathing base. It may be any one of those reasons. It may be all of them. The government of the United States, in the first three words of its founding charter, belongs to all of us, and these people have broken it deliberately. The true hell of it, though, is that you could see this coming down through the years, all the way from Ronald Reagan's First Inaugural Address in which government "was" the problem, through Bill Clinton's ameliorative nonsense about the era of big government being "over," through the attempts to make a charlatan like Newt Gingrich into a scholar and an ambitious hack like Paul Ryan into a budget genius, and through all the endless attempts to find "common ground" and a "Third Way." Ultimately, as we all wrapped ourselves in good intentions, a prion disease was eating away at the country's higher functions. One of the ways you can acquire a prion disease is to eat right out of its skull the brains of an infected monkey. We are now seeing the country reeling and jabbering from the effects of the prion disease, but it was during the time of Reagan that the country ate the monkey brains.
What is there to be done? The first and most important thing is to recognize how we came to this pass. Both sides did not do this. Both sides are not to blame. There is no compromise to be had here that will leave the current structure of the government intact. There can be no reward for this behavior. I am less sanguine than are many people that this whole thing will redound to the credit of the Democratic party. For that to happen, the country would have to make a nuanced judgment over who is to blame that, I believe, will be discouraged by the courtier press of the Beltway and that, in any case, the country has not shown itself capable of making. For that to happen, the Democratic party would have to be demonstrably ruthless enough to risk its own political standing to make the point, which the Democratic party never has shown itself capable of doing. With the vandals tucked away in safe, gerrymandered districts, and their control over state governments probably unshaken by events in Washington, there will be no great wave election that sweeps them out of power. I do not see profound political consequences for enough of them to change the character of a Congress gone delusional. The only real consequences will be felt by the millions of people affected by what this Congress has forced upon the nation, which was the whole point all along.
Among other things, the Library Of Congress is closed as a result of what the vandals have done. Padlock study and intellect. Wander aimlessly down the mall among the shuttered monuments to self-government. Find yourself a food truck that serves monkey brains. Eat your fking fill.
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The reign of Morons is definitely here.
Which would you choose for your healthcare, Obamacare or the coverage available through the Affordable Care Act?
Jimmy Kimmel, the host of an eponymous late night program on ABC, has carved a nice comedy niche by taking cameras to the streets of Los Angeles and exposing just how unaware most Americans are about…well, just about anything.
On Tuesday, Kimmel’s crew stopped people outside of his studio on Hollywood Boulevard and asked them to choose between Obamacare and the Affordable Care Act. Hilarity ensued. One after another, almost every person confidently declared that they would prefer the Affordable Care Act over Obamacare. Many cited the same reasons that most people give when saying they don’t want Obamacare:
“Socialism”
“Don’t like being forced to buy something”
“I just think there are a lot of holes in it. It needs to be revamped.”
At the end of the clip, the anonymous interviewer told victim #1 that Obamacare and the ACA are the same thing. Her response,*”No they’re not. Thanks, you made me look stupid!”*The ever-gracious Kimmel put the woman in the front row for the show, saluted her and announced, “Welcome…welcome stupid people. You have a home here with me.”
Which would you choose for your healthcare, Obamacare or the coverage available through the Affordable Care Act?
Jimmy Kimmel, the host of an eponymous late night program on ABC, has carved a nice comedy niche by taking cameras to the streets of Los Angeles and exposing just how unaware most Americans are about…well, just about anything.
On Tuesday, Kimmel’s crew stopped people outside of his studio on Hollywood Boulevard and asked them to choose between Obamacare and the Affordable Care Act. Hilarity ensued. One after another, almost every person confidently declared that they would prefer the Affordable Care Act over Obamacare. Many cited the same reasons that most people give when saying they don’t want Obamacare:
“Socialism”
“Don’t like being forced to buy something”
“I just think there are a lot of holes in it. It needs to be revamped.”
At the end of the clip, the anonymous interviewer told victim #1 that Obamacare and the ACA are the same thing. Her response,*”No they’re not. Thanks, you made me look stupid!”*The ever-gracious Kimmel put the woman in the front row for the show, saluted her and announced, “Welcome…welcome stupid people. You have a home here with me.”
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Has the False-Equivalence Moment Finally Passed?
What a difference three days can make.
Has the False-Equivalence Moment Finally Passed? - James Fallows - The Atlantic
What a difference three days can make.
Has the False-Equivalence Moment Finally Passed? - James Fallows - The Atlantic
No one forces you to buy auto insurance. An individual has the option of self insuring themselves. Law states you must carry liability only, but if you have enough assets and can prove that fact, you do not have to purchase liability. Insurance is a means of deferring risk. Ultimately, the goal is to self insure, or should be.
WHA? Auto liability insurance IS LAW in my state regardless of your assets. From the CT DMV: "Connecticut law requires that all registered motor vehicles have liability insurance. You can not drive a motor vehicle without liability insurance. Insurance must be maintained at all times when there is an active registration entitling the vehicle to be operated on the public highway."
There is NOTHING written in this law that states you may "self-insure". If you do not have insurance it is reported to the state and they automatically take you registration away. You have no process to prove you're self-insured. If you are pulled over they will not let you drive your car - there is no roadside bargaining showing the cops pictures of your multimillion dollar house as proof you have enough assets.
Utter bullshit!
Furthermore, even if an individual could self-insure what % of the US population do you think would be capable of this feat? So we should make public policy based on the 0.5% of the US population capable of doing this and ignore the other 99.5% who can not?
You must be a politician!
^^^^ No, a grown adult who can make my own decisions. I know what's best for me & mine. I don't need someone who doesn't have my best interest at heart telling me what I should be doing.
What % of people do I think will self insure? In a socialist country only the politicians since all the wealth is distributed. Much like ACA, the members of the House/Senate along with their staff will be exempt. If the ACA is so great, why do they need an exemption? Another way to picture ACA is you younger bucks are going to be paying for all us old farts. Not you I'm worried about, but the bullshit my kids will have to endure.
Alternatives To Auto Insurance
http://www.dmv.org/insurance/alternatives-to-auto-insurance.php
What % of people do I think will self insure? In a socialist country only the politicians since all the wealth is distributed. Much like ACA, the members of the House/Senate along with their staff will be exempt. If the ACA is so great, why do they need an exemption? Another way to picture ACA is you younger bucks are going to be paying for all us old farts. Not you I'm worried about, but the bullshit my kids will have to endure.
Alternatives To Auto Insurance
http://www.dmv.org/insurance/alternatives-to-auto-insurance.php
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Again...what % of people are capable of self-insurance in this country? Unless you're wealthy you ARE FORCED by the government to get liability insurance if you want to drive on the roads.
Also, you are ALREADY paying for the uninsured...we all are. The difference in my mind is trying to get ahead of these expenditures (with the ACA) where we ask people to pay into a system and we can assign risk to pools of people so we know how much $$ we need there. Or we keep the current system and stay behind these expenditures and just treat everyone who doesn't have insurance but gets into a car accident "for free" (yeah right you and I pay for these services) or the multitude of people who treat the ED like a primary care office - THIS IS BY FAR THE MOST EXPENSIVE WAY TO RENDER CARE - and yes YOU are already paying for it!
BBC's take on ObamaCare as it hits home...
OK, so the so called "ObamaCare" is now affecting me as my wife is out a job at this time, and we have undertaken self-paid BC/BS.. So I am actually afforded a timing which is allowing me to see both sides (at least this year vs. 2014)..
BTW - I noted on USA today yesterday that the Healthcare.gov is open for business and the site is supposed to be swamped.
So currently what I have found on the policy this year as completely transitioned to totally family incurred premium (with reference to current top available policy in AL). Here is the long and short as compared to the previous group plan through her EX company she worked for.
CURRENT PLAN (on our own)
Premium ='s about 500$$
Annual "DEDUCTIBLE"/"self insurance"/"participation" (these terms may have variance TECHNICALLY)- OUT OF POCKET AS ANNUAL MIN FOR SERVICES NOT STANDARD, ROUTINE, OR ALLOWED OUTSIDE OF is 750$ and with $2250 (or three people involved family cap) pertaining.
Other Co-Pays ARE $MORE$ from previous group plan..-:
Outpatient (one day) up to $250 per visit and 100% after, or $500/day for lower tier hospitals. ( this is up from group $100)
Inpatient is NOW $250 per day for first (5) days and 100% after.
with attention to in-patient. (this is UP from group $250/one time)
** the notable difference in these trips to the hospital is the service charges WITHIN, such as (Importantly - Surgery, anesthesia, and maternity falling prey to the 80/20% CO-PAY. And on top of this $750 annual deductible, and on top of the 250/day inpatient. So in short its really SHIT in comparison to my GROUP Plan earlier this year where I forked out 100$ for a hernia surgery in total. Under my current one I would have paid 250$ outpatient DED, ate the first 750$ of service incurred, and then would be subject to 20% of the remaining $4,500 (or whatever they all charged). This would amount to about $1,500.00 MY PART - I speculate pending analysis of any other hidden "stick it in my ass" hidden coverage caveats..
*** But if your looking for a policy to cover your family for IN CASE SHIT HAPPENS and with SOLID fair prescription coverage for dirt, its ok. Just understand you are "self-insuring" yourself and family to the tune of an ESTIMATED 1-10K (and higher for serious shit) depending. But better than left of the street corner with a script for some tabs and a pat on the shoulder. For the most part the plan is not bad for a $500 monthly premium and noting that only some of the more "unusual" conditions fall to an 80/20 situation.. You must also consider that the company she worked for only charged her about $350/month for her portion of the previous group coverage. IT SHOULD BE NOTED that just because you work for a company with a "group plan" does not mean they are not going to make you eat a SHITPILE of the monthly gross premium POTENTIALLY as high as $1600-$2000/month( depending on how many "goodies" they have opted for in their "plan". Ever interviewed for a job advertising "benefits" only to have them tell you it will cost you $200.00/week out of your check if you want the Group plan?!? There ya go.
It should also be noted that the self paid plans like the one I currently have NOT ONLY do not include far out stuff like SLEEP related (sleep apnea), etc.. BUT YOU CAN NOT EVEN OPT TO PAY MORE FOR THE COVERAGE...
Positively a lot of routine doc trips are covered with no exotic co-pays or 80/20 stipulation. The per visit trip copay is up slightly higher now 35$ - reg doc/50$ - specialist; instead of flat 25$ per office visit. Prescription coverage is also afforded at slightly higher copays for "Brand" drugs, but the same old 10 bucks for generic. Notably they also flat out determine that some brands (such as Welbutrin) are just not covered period.
SO NOW OBAMA CARE is kicking in 2014 officially it seems. The 2014 similar policy was summed up on the phone to me today as premium GOING UP to $800.00/mnth (from $500/mnth), and the ANNUAL Out of pocket DED/Co-PAY going UP from 750 to $2000.00!!(per person), with the positive caveat that the family max is reached with ONLY two people (totalling 4K, vs the current 3 people sum of 2250.00. So family aggregate still goes up by 750 to 4K total, BUT AT LEAST THEY DID NOT LEAVE AT (3) People maxing which would have made it 6K..., The new policy apparently removing some of the 80/20 action as current, and perhaps giving back coverage like SLEEP related. But of course when the fucking Annual DED is higher than the sleep even and CPAP equipment put together.. So look like we only get CPAP equipment in the future after someone in the family has conveniently been hit by a buss, and we are in "Happy DED is MET land" for that year..[)]
SO WHAT DOES OBAMA CARE APPEAR TO BE DOING TO ME???
It appears it is jacking my monthly premium UP 300 Bucks per month. It LOOKS like my annual OUT OF POCKET just went from $750.00 UP $1250.00 to 2K..!! NOT GOOD. Thats a major FUCKHOLE as the actuaries have analyzed and realized where the $$ goes out and KNOW its in the "small service arena". PSYCHOLOGICALLY, it convinces folks NOT TO EVEN SEEK and extensive DOC Recommended Treatment, cause they think it wont be enough CO$T to merit, Or more importantly they cant take a 2K DED, plus 250 COPAY, Plus any remaining 80/20 in place HIT. I COULD Bump back down to a 500$ premium but have SHIT coverage probably on scripts, and a MASSIVE 10K Annual OUt_of_Pocket... So in short, ObamaCare has fucked me into paying another $3600.00/year in premiums. I dont know if the 250 per day inpatient ded (up to fifth day) will remain...
WHAT ABOUT THIS SHIT "EVERYONE MUST HAVE COVERAGE"..??
This is where the .GOV website comes into play. Apparently there are massive government SUBSIDIES in place for low income families which will "Assist" with these premiums. Perhaps even pay ALL of the monthly premium for MANY poor folks. I Dont know if that will assist them with out of pockets and Co-Pays. I DOUBT it, which in short will leave a GAP OF OPPORTUNITY$$, and these folks which the govt is paying for will not fully utilize the plans. They will be tempted to see the doc, get the script, BUT NOT TAKE THE RECOMMENDED SURGERY - Or at least STILL not pay for it in the end. So what has changed..?
We are already a socialist medical society UNSPOKEN. Its called get down to clinic a few times before they call u out on past bills not paid, or Go directly to ER, or Go to ER after that clinic you have not paid refuses service and an ambulance winds up picken yur poor ass up again... So WHAT HAS Changed, and what will be the result.
The change is going to be where the $$ changes hands (of course). The PLAYERS are; M.E. The GOVT, BC/BS (ins providers), Health Providers (docs & Hospitals), Corporate America, Politics, and BIG PHARMA. The latter which is going to be the MOST RESISTANT, but will be pressed due to capitalist MARKET.
(1) My Annual Deductible NOW at 2K will SUBSIDIZE the premium, assistance for the poor at the .GOV site. PERIOD. Anyone NOT working for a company on a GROUP PLAN will eat this in this manner.
(2) Corporate America will tend to DECREASE their negotiated Group Coverage with BC/BS, as it will cost them more. Now even if my wife goes back to work, she will more likely eat MORE out of her check every month for OUT PART of the premium which the company does not pay, and the coverage will be shittier. Corporate America will ALSO BEAR much of the PREMIUM$$ Subsidized to low income folks. ONE WAY OR THE OTHER - I suck it in the end. Corporate American AINT Gonna eat it and WILL pass it as shittier coverage Group plans and high monthly pass on to employees - PERIOD!
(3) BC/BS will play the "actuarial game" and see how this pans out. They will WATCH AND SEE how docs and medical establishments LEARN to work within the new system, and become stricter and more vigilant at observing claims and attempting to DETECT OPPORTUNITY... They will also Strong Arm Big PHarma, or attempt to. The fun Money Making Dance is getting down to a less Giggy song it seems.
(4) Health Providers DO NOT LIKE OBAMA CARE. Your doc will probably wind up being allowed even LESS than he already is for a service charge provided. This infringes with/on Corporate America somewhat. Which translates to FUTURE POLITICS (President, congress, senate), YOUR VOTE. Odds are the Govt will be offering the medical establishment more incentive for UNPAID treatment of those sliding by as "Current unspoken socialist already in place". But it wont last and will be squeezed on hard. The time to recoup will be more extensive as well - Speculated.
(5) BC as an involved party can only cover their ass and PROFIT via the STANDARD METHODs, and now minimizing payables on claims more effectively. DID YOU KNOW YOU DOC COULD GET HIS PRACTICE IN TROUBLE IF HE RUNS AROUND LIKE A RENEGADE ADVISING/RECOMMENDING/DIRECTING Service to YOU which is OUTSIDE the "unwritten" BC Protocol. Keep in mind there are other Ins carriers out there. BC just seeming to be the one with their hands the deepest in with all parties, and also seemingly MOST govt involved. But yes, if you and your doc think a test may prove something that could help you, you had better meet certain criteria - Or that PRACTICE may just get a NASTY LETTER from BC stating "Play right, or we Ain't gonna acknowledge YOUR PRACTICE as a Legitimate Vendor". Then your docs office can even process your claims. UT-OOOH...
:drooling: So the RULES ARE CHANGING. And TIGHTENING ULTIMATELY is the way medical establishment sees it.
(5) A Major Player in all this is of course - BIG PHARMA. They can sit back and take the democratic CAPITALIST Approach as - "We'll charge what the fuck we want for our shizzle. After all, we have research expense. I wont even delve into where the MARKETING EXPENSE is Justified to the extent it is currently. As far as I see it, BOTH Big Pharma as well as the Sam Adams Brewery should take a KICK IN THE ASS for the money they spend on ads. Sam Adams sacrafices its product integrity by not utilizing the QUALITY of INGREDIENTS and WORK EFFORT in change. Their BEER is NOT what you should get for the MONEY, market considered. What does this say about big Pharma's future. Sam has come down on Price$, but the beer is still run of the mill to false advertising IMHO. What will pharma do? I honestly dont know if Big Pharma gets their full ticket price at the pharmacy?!?!?! Does BC pay the entire balance of a 384$ bottle of brand wellbutrin after a 25$ co-pay per say. I would imagine this is negotiated from drug to drug. Im betting it is negotiated across the board, and thats where that "health insurance card" we all get in the mail to save money on scipts comes in. Perhaps thats the way to get the price BC has negotiated. DO PHARMACIES REALLY STICK IT IN UNINSURED ASS TO THE FULL TUNE??? And whenever they can??
Most likely its CORPORATE PHARMACY POLICY INTERNAL and varies from CVS, to WALGREENS, to the Corner Compounder. Will the small mom and pop compounding Pharmacy re-populate the map from all this?? And out of the kindness of their hearts as Concern for the common folk getting a fair price??
THE TRUTH is we are ALREADY SOCIALIST as UNSAID/UNWRITTEN. The money is just not going where they want it to precisely. The issue is the devils out there PROFIT TAKING where THEY PUSHED IT TOO FAR. THIS IS ALL OF YOU/ THE ABOVE. So its a SHAKEUP/Shakedown is all..
But will street corner vendors pop up selling CPAPS at the 7Eleven? Used or black market poor shit? Are "wellness docs" going to take off as "Fair Charging" independent service providers now finding LOOPHOLES in potential patient related LIAbILITY pertaining to IN$urance/Malpractice. Will the market stand this "Leveling of the playing field". Do they really want docs to take less $alary after all their hard work in school, and more importantly dealing with the SHIT and STRESS the have to undergo watching folks Die, CRY, and Disfigure themselves against their advise to push away from the table.? Fuck, you don't want to even know what that TAX BRACKET is doing to their ASSHOLES anyway. THEY ARE ALREADY PAYING FOR THE Quasi-Socialist Market currently in place via their fucking TAX PAYMENTS..!!!!!! I could see where docs would want to live in Texas or FL with no State income tax to boot.
Welcome to the BEGINNING of the END of the Second Roman Times...
RANT OUT...
OK, so the so called "ObamaCare" is now affecting me as my wife is out a job at this time, and we have undertaken self-paid BC/BS.. So I am actually afforded a timing which is allowing me to see both sides (at least this year vs. 2014)..
BTW - I noted on USA today yesterday that the Healthcare.gov is open for business and the site is supposed to be swamped.
So currently what I have found on the policy this year as completely transitioned to totally family incurred premium (with reference to current top available policy in AL). Here is the long and short as compared to the previous group plan through her EX company she worked for.
CURRENT PLAN (on our own)
Premium ='s about 500$$
Annual "DEDUCTIBLE"/"self insurance"/"participation" (these terms may have variance TECHNICALLY)- OUT OF POCKET AS ANNUAL MIN FOR SERVICES NOT STANDARD, ROUTINE, OR ALLOWED OUTSIDE OF is 750$ and with $2250 (or three people involved family cap) pertaining.
Other Co-Pays ARE $MORE$ from previous group plan..-:
Outpatient (one day) up to $250 per visit and 100% after, or $500/day for lower tier hospitals. ( this is up from group $100)
Inpatient is NOW $250 per day for first (5) days and 100% after.
with attention to in-patient. (this is UP from group $250/one time)
** the notable difference in these trips to the hospital is the service charges WITHIN, such as (Importantly - Surgery, anesthesia, and maternity falling prey to the 80/20% CO-PAY. And on top of this $750 annual deductible, and on top of the 250/day inpatient. So in short its really SHIT in comparison to my GROUP Plan earlier this year where I forked out 100$ for a hernia surgery in total. Under my current one I would have paid 250$ outpatient DED, ate the first 750$ of service incurred, and then would be subject to 20% of the remaining $4,500 (or whatever they all charged). This would amount to about $1,500.00 MY PART - I speculate pending analysis of any other hidden "stick it in my ass" hidden coverage caveats..
*** But if your looking for a policy to cover your family for IN CASE SHIT HAPPENS and with SOLID fair prescription coverage for dirt, its ok. Just understand you are "self-insuring" yourself and family to the tune of an ESTIMATED 1-10K (and higher for serious shit) depending. But better than left of the street corner with a script for some tabs and a pat on the shoulder. For the most part the plan is not bad for a $500 monthly premium and noting that only some of the more "unusual" conditions fall to an 80/20 situation.. You must also consider that the company she worked for only charged her about $350/month for her portion of the previous group coverage. IT SHOULD BE NOTED that just because you work for a company with a "group plan" does not mean they are not going to make you eat a SHITPILE of the monthly gross premium POTENTIALLY as high as $1600-$2000/month( depending on how many "goodies" they have opted for in their "plan". Ever interviewed for a job advertising "benefits" only to have them tell you it will cost you $200.00/week out of your check if you want the Group plan?!? There ya go.
It should also be noted that the self paid plans like the one I currently have NOT ONLY do not include far out stuff like SLEEP related (sleep apnea), etc.. BUT YOU CAN NOT EVEN OPT TO PAY MORE FOR THE COVERAGE...
Positively a lot of routine doc trips are covered with no exotic co-pays or 80/20 stipulation. The per visit trip copay is up slightly higher now 35$ - reg doc/50$ - specialist; instead of flat 25$ per office visit. Prescription coverage is also afforded at slightly higher copays for "Brand" drugs, but the same old 10 bucks for generic. Notably they also flat out determine that some brands (such as Welbutrin) are just not covered period.
SO NOW OBAMA CARE is kicking in 2014 officially it seems. The 2014 similar policy was summed up on the phone to me today as premium GOING UP to $800.00/mnth (from $500/mnth), and the ANNUAL Out of pocket DED/Co-PAY going UP from 750 to $2000.00!!(per person), with the positive caveat that the family max is reached with ONLY two people (totalling 4K, vs the current 3 people sum of 2250.00. So family aggregate still goes up by 750 to 4K total, BUT AT LEAST THEY DID NOT LEAVE AT (3) People maxing which would have made it 6K..., The new policy apparently removing some of the 80/20 action as current, and perhaps giving back coverage like SLEEP related. But of course when the fucking Annual DED is higher than the sleep even and CPAP equipment put together.. So look like we only get CPAP equipment in the future after someone in the family has conveniently been hit by a buss, and we are in "Happy DED is MET land" for that year..[
)]SO WHAT DOES OBAMA CARE APPEAR TO BE DOING TO ME???
It appears it is jacking my monthly premium UP 300 Bucks per month. It LOOKS like my annual OUT OF POCKET just went from $750.00 UP $1250.00 to 2K..!! NOT GOOD. Thats a major FUCKHOLE as the actuaries have analyzed and realized where the $$ goes out and KNOW its in the "small service arena". PSYCHOLOGICALLY, it convinces folks NOT TO EVEN SEEK and extensive DOC Recommended Treatment, cause they think it wont be enough CO$T to merit, Or more importantly they cant take a 2K DED, plus 250 COPAY, Plus any remaining 80/20 in place HIT. I COULD Bump back down to a 500$ premium but have SHIT coverage probably on scripts, and a MASSIVE 10K Annual OUt_of_Pocket... So in short, ObamaCare has fucked me into paying another $3600.00/year in premiums. I dont know if the 250 per day inpatient ded (up to fifth day) will remain...
WHAT ABOUT THIS SHIT "EVERYONE MUST HAVE COVERAGE"..??
This is where the .GOV website comes into play. Apparently there are massive government SUBSIDIES in place for low income families which will "Assist" with these premiums. Perhaps even pay ALL of the monthly premium for MANY poor folks. I Dont know if that will assist them with out of pockets and Co-Pays. I DOUBT it, which in short will leave a GAP OF OPPORTUNITY$$, and these folks which the govt is paying for will not fully utilize the plans. They will be tempted to see the doc, get the script, BUT NOT TAKE THE RECOMMENDED SURGERY - Or at least STILL not pay for it in the end. So what has changed..?
We are already a socialist medical society UNSPOKEN. Its called get down to clinic a few times before they call u out on past bills not paid, or Go directly to ER, or Go to ER after that clinic you have not paid refuses service and an ambulance winds up picken yur poor ass up again... So WHAT HAS Changed, and what will be the result.
The change is going to be where the $$ changes hands (of course). The PLAYERS are; M.E. The GOVT, BC/BS (ins providers), Health Providers (docs & Hospitals), Corporate America, Politics, and BIG PHARMA. The latter which is going to be the MOST RESISTANT, but will be pressed due to capitalist MARKET.
(1) My Annual Deductible NOW at 2K will SUBSIDIZE the premium, assistance for the poor at the .GOV site. PERIOD. Anyone NOT working for a company on a GROUP PLAN will eat this in this manner.
(2) Corporate America will tend to DECREASE their negotiated Group Coverage with BC/BS, as it will cost them more. Now even if my wife goes back to work, she will more likely eat MORE out of her check every month for OUT PART of the premium which the company does not pay, and the coverage will be shittier. Corporate America will ALSO BEAR much of the PREMIUM$$ Subsidized to low income folks. ONE WAY OR THE OTHER - I suck it in the end. Corporate American AINT Gonna eat it and WILL pass it as shittier coverage Group plans and high monthly pass on to employees - PERIOD!
(3) BC/BS will play the "actuarial game" and see how this pans out. They will WATCH AND SEE how docs and medical establishments LEARN to work within the new system, and become stricter and more vigilant at observing claims and attempting to DETECT OPPORTUNITY... They will also Strong Arm Big PHarma, or attempt to. The fun Money Making Dance is getting down to a less Giggy song it seems.
(4) Health Providers DO NOT LIKE OBAMA CARE. Your doc will probably wind up being allowed even LESS than he already is for a service charge provided. This infringes with/on Corporate America somewhat. Which translates to FUTURE POLITICS (President, congress, senate), YOUR VOTE. Odds are the Govt will be offering the medical establishment more incentive for UNPAID treatment of those sliding by as "Current unspoken socialist already in place". But it wont last and will be squeezed on hard. The time to recoup will be more extensive as well - Speculated.
(5) BC as an involved party can only cover their ass and PROFIT via the STANDARD METHODs, and now minimizing payables on claims more effectively. DID YOU KNOW YOU DOC COULD GET HIS PRACTICE IN TROUBLE IF HE RUNS AROUND LIKE A RENEGADE ADVISING/RECOMMENDING/DIRECTING Service to YOU which is OUTSIDE the "unwritten" BC Protocol. Keep in mind there are other Ins carriers out there. BC just seeming to be the one with their hands the deepest in with all parties, and also seemingly MOST govt involved. But yes, if you and your doc think a test may prove something that could help you, you had better meet certain criteria - Or that PRACTICE may just get a NASTY LETTER from BC stating "Play right, or we Ain't gonna acknowledge YOUR PRACTICE as a Legitimate Vendor". Then your docs office can even process your claims. UT-OOOH...
:drooling: So the RULES ARE CHANGING. And TIGHTENING ULTIMATELY is the way medical establishment sees it.(5) A Major Player in all this is of course - BIG PHARMA. They can sit back and take the democratic CAPITALIST Approach as - "We'll charge what the fuck we want for our shizzle. After all, we have research expense. I wont even delve into where the MARKETING EXPENSE is Justified to the extent it is currently. As far as I see it, BOTH Big Pharma as well as the Sam Adams Brewery should take a KICK IN THE ASS for the money they spend on ads. Sam Adams sacrafices its product integrity by not utilizing the QUALITY of INGREDIENTS and WORK EFFORT in change. Their BEER is NOT what you should get for the MONEY, market considered. What does this say about big Pharma's future. Sam has come down on Price$, but the beer is still run of the mill to false advertising IMHO. What will pharma do? I honestly dont know if Big Pharma gets their full ticket price at the pharmacy?!?!?! Does BC pay the entire balance of a 384$ bottle of brand wellbutrin after a 25$ co-pay per say. I would imagine this is negotiated from drug to drug. Im betting it is negotiated across the board, and thats where that "health insurance card" we all get in the mail to save money on scipts comes in. Perhaps thats the way to get the price BC has negotiated. DO PHARMACIES REALLY STICK IT IN UNINSURED ASS TO THE FULL TUNE??? And whenever they can??
Most likely its CORPORATE PHARMACY POLICY INTERNAL and varies from CVS, to WALGREENS, to the Corner Compounder. Will the small mom and pop compounding Pharmacy re-populate the map from all this?? And out of the kindness of their hearts as Concern for the common folk getting a fair price??THE TRUTH is we are ALREADY SOCIALIST as UNSAID/UNWRITTEN. The money is just not going where they want it to precisely. The issue is the devils out there PROFIT TAKING where THEY PUSHED IT TOO FAR. THIS IS ALL OF YOU/ THE ABOVE. So its a SHAKEUP/Shakedown is all..
But will street corner vendors pop up selling CPAPS at the 7Eleven? Used or black market poor shit? Are "wellness docs" going to take off as "Fair Charging" independent service providers now finding LOOPHOLES in potential patient related LIAbILITY pertaining to IN$urance/Malpractice. Will the market stand this "Leveling of the playing field". Do they really want docs to take less $alary after all their hard work in school, and more importantly dealing with the SHIT and STRESS the have to undergo watching folks Die, CRY, and Disfigure themselves against their advise to push away from the table.? Fuck, you don't want to even know what that TAX BRACKET is doing to their ASSHOLES anyway. THEY ARE ALREADY PAYING FOR THE Quasi-Socialist Market currently in place via their fucking TAX PAYMENTS..!!!!!! I could see where docs would want to live in Texas or FL with no State income tax to boot.
Welcome to the BEGINNING of the END of the Second Roman Times...
RANT OUT...
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IDMD,
Fact: From the CT exchange. Cheapest plan for 27-yr old earning $30K was $130/mth after subsidy, 67% higher than cheapest plan prior to Obamacare. This doesn't factor in your deductible!!!
Fact: From the CT exchange. Cheapest plan for 27-yr old earning $30K was $130/mth after subsidy, 67% higher than cheapest plan prior to Obamacare. This doesn't factor in your deductible!!!
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You cite a FACT. You also Self-caveat mentioning the DED. This pertains to ANNUAL Out-of-pockets, as well as potential daily or service specific Deductibles. $250 per day ded inpatient HOSPITAL DED for 5 days can be STRONG. I DONT think this falls in the ANNUAL Relhm, as the annual DED most likely pertains to the END SERVICE which the 80/20 is applying. MORE Importantly, it does not include CO-INSURANCE. Say 80/20$ for certain services. 20% your part of 40 in surgery and anesthesias for say - a manidible fracture that has to be worked on 4 times in one year to be corrected due to a car accident (forget about all the other potential surgeries which would not occur simultaneously) CAN ADD UP..
Thats one example. So what kind of coverage does 130/month get? What is that Annual DeD? It could be 2,5, or 10K or higher...! Can you upload a PDF?
I see you have actually taken this to AUTO ... LOL. I step out for now..
Just be sure and DONT let the agent forget the Uninsured motorist vehicle insurance if you are talking liability only. LOL
Thats one example. So what kind of coverage does 130/month get? What is that Annual DeD? It could be 2,5, or 10K or higher...! Can you upload a PDF?
I see you have actually taken this to AUTO ... LOL. I step out for now..
Just be sure and DONT let the agent forget the Uninsured motorist vehicle insurance if you are talking liability only. LOL
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You are not currently paying for the uninsured with just your insurance premiums. The cost of covering these people are passed onto you in numerous ways but rest assured you ARE paying for them one way or another. The other big question is how many people will signup and how will premiums be adjusted? I believe the insurance companies are using this situation to their advantage and since they have no idea what the risk profile of their newly insured will be until some time passes they are just jacking premiums as high as they can for now.
Also remember....you can pay a "tax" to get out of this!
"You will have to pay a penalty if you don’t sign up for health insurance. Why? Because taxpayers will be fronting the cost of your care if you wind up getting sick or hurt and need to go to the hospital, and that will be a lot more expensive than the penalty you’re paying. In 2014, the tax penalty for an adult will be $95 or 1 percent of your family income. For a child, the cost will be $47.50, with a total family cap at a $285 fine. By 2016 and beyond, it will cost you 2.5 percent of your family income, or $695, whichever is higher. Again, there is a cap on how much you’ll have to pay: $2,085 for a family."
As I mentioned the .GOV site went mainstream ysterday after the USA today page. They are supposed to be offering "incentives" and even "assistance" for the poor. With they even pay a nickel I wonder. Do the middle class take it all the way? The middle class which I might add is becoming a mythical creature more so and more. Do you think corporations will give back as higher salaries as they lessen coverage in group plans due to premium increases which are/will result? NO When I consider the coverage for the job, and did they pass on the new higher premium to my check as to what I am now getting. how valuable with that ins with that job be to me?? When they are charging me 500month out of check for group plan, and i can not get the SAME coverage for 2-300 more?? As the line murks and sharpens at the same time. I wager group plans and inidividual plans coverage aspects are merging soon as very similar with the exception of the execs..
As a SIDENOTE to IDMD- BCBS of AL states that childrens DENTAL will be included in the family plan costing 800/month. Basic stuff even cavities. Othodontics even but with high ded applying. This may redesign the current ortho practice of "braces in phases as they age" to the old school "slam em on there with the HAMMER at the last minute.. LOL
As a SIDENOTE to IDMD- BCBS of AL states that childrens DENTAL will be included in the family plan costing 800/month. Basic stuff even cavities. Othodontics even but with high ded applying. This may redesign the current ortho practice of "braces in phases as they age" to the old school "slam em on there with the HAMMER at the last minute.. LOL
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I agree BBC...middle class is disappearing. This is quickly becoming a country of those who have learned how to make $$ and those who haven't. Unfortunately wealth is finite and those who have it don't play nice. I believe this will ultimately be our downfall as a society. What does happen when so few at the top have IT ALL and so many below nothing? What happens we the average person has nothing more to take? I guess we'll see. The income/class disparity only gets worse year after year......
BTW....the average American making $40K per year should never trust a politician (den or gop) because guess what? Neither one is your income range and neither one gives a shit about you....they're too busy servicing the top 1% whose sole purpose on this planet is to TAKE ALL YOUR SHIT and make it THEIRS! Ha ha ha. The funny part is the "average American" has no idea the system is already setup against them....they still have hope some politician is going help them....lol.....don't hold your breath America!
BTW....the average American making $40K per year should never trust a politician (den or gop) because guess what? Neither one is your income range and neither one gives a shit about you....they're too busy servicing the top 1% whose sole purpose on this planet is to TAKE ALL YOUR SHIT and make it THEIRS! Ha ha ha. The funny part is the "average American" has no idea the system is already setup against them....they still have hope some politician is going help them....lol.....don't hold your breath America!
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