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originally posted by: Xeven
I am not for or against Obama care but after reading this it is obvious a majority of you did not and still do not understand Obama care and how it works or what it is suppose to do cost wise.
First, it was never intended to lower health care premium costs for wealthier Americans. Wealthier Americans are to subsidize poor Americans by paying more than the poor Americans. So if your a wealthier American, (generaly anyone with a job and not taking food stamps, disability, Early Social security, Unemployment etc..) you are to subsidize those who are.
The goal of Obama Care in part is to get those poor people some form health care, and to stop those poor from going to Emergency Rooms for a cold, where a trip there for a cold might cost thousands versus going to a normal doctor for their cold might cost 120.00.
originally posted by: Orygun
I saw the chart in the first post and laughed. It is so obviously different than my experience. My wife's insurance costs dropped from $1100 to $472 per month with the almost the same exact coverage thanks to Obamacare. I have other care. I couldn't read the whole thread with all the overblown rhetoric. Those who trash the ACA for the most part don't understand it and haven't had to deal with insurance before. It has been a good deal for everyone I have talked to. Some could not keep their previous insurance, not because of Obamacare, but because the insurance companies cancelled. Many insurance companies just raised prices and forgot to mention that if a person signed up for Obaamcare the price would go down by about half. There are way too many lies floating around. Obamacare isn't going away anymore than Medicare is going away. It perhaps should be tweaked, but that is a good thing.
originally posted by: tadaman
a reply to: ThirdEyeofHorus
When our founding fathers wrote that most people couldnt even read a bible since it was frowned upon still to an extent ....back from when it was outright illegal to do so.
We are an ever increasingly educated people. So what, when we reach a 100% literacy, 80% math comprehension, 70% knowledge of natural sciences, and general complete understanding of psychology and world politics...we still entrust our world to people who may or may not try as hard being that they were born to the right class with access.
Thats when the real revolutions start and society REALLY faces disintegration or adaptation.
Because the state of the average person is the same as it was then and the same concerns are still valid....RIGHT. Why then do we worry to educate and improve our citizens...just to have ever increasing numbers of increasingly angry free men who by their minds discovery face the same fiscal and political slavery as their illiterate peasant ancestors?
And again, either its a purist slave mentality or just pathetic.
To bad they didnt leave a valid road to gain that expertise for people not born to a certain class with access and not routed in the very tyrannical nature to power that they fought against...and then quietly overthrew after a banking collapse in the new nation (gasp! how original)...to then write the new contract for government behind closed doors.
Yeah I am convinced...nothing more to do here...moving along. The "end all be all" is at work here...I´ll just go lay down and die now.
originally posted by: spirit_horse
I had signed up for a policy with an insurance provider in Florida. I canceled it, but not before they sent me the contract and documents in the mail. They sent it on a USB drive. Anyway, I was looking through them and there was a section on the impact of the ACA on Health Insurance Plans issued by this insurance company. I had to grab a screen shot and bring it here because it was shocking to me what lies have been told to the American people about the ACA going to reduce premiums by $2,500 per family.
Here is the companies claim on what the cost of plans were before and now that the federal law past"
There isn't much to say after seeing this chart. It was an absolute lie what was said about this massive and hated law.
And it was put out right there in the policy documents the insurance company sent. They aren't even trying to hide it!
you got a mouse in your pocket?????
originally posted by: Wrabbit2000
a reply to: spirit_horse
That's about the size of it OP... The link below will let you search any state or county by age, plan level or company of issue for those same base rates.
QHP Individual Medical Landscape
That will also allow you to download it in Excel and I believe straight CSV format. So you can get it to display in different and more meaningful ways for the patterns between states and around the nation. The patterns themselves are telling in some ways.
You're right though...The idea this would be cheap is absurd and those are just base rates on the figures above. It can and does go up based on some other factors and before whatever credits may be granted by qualification requirements.
Quite a bill of goods we got sold...but we didn't get it with a way back, either. We have to fix what we have or go with nothing for a period if it's somehow destroyed. I wouldn't mind that, as I'm fairly healthy. There are a good % of people I know who may not fare well with any interruption of care though.
So.....We got ourselves into a fine mess this time, didn't we?
originally posted by: spirit_horse
a reply to: Flatfish
They didn't expand Medicaid because after 3 years the Federal Government won't pay for it anymore and the state has to pick up that tab. They CAN'T AFFORD IT! That is why the state did that. Same thing here in Florida.
For the first three years of expansion, the federal government picks up 100 percent of the costs of covering the newly covered, and 90 percent of those related costs thereafter.
The LA Times column also noted that an estimated 5 million people who could be covered by expanded Medicaid eligibility are being denied that coverage because of their home states' refusal to authorize it. The non-expansion states tend to be controlled by Republican governors, legislatures, or both.
"What's most curious about states with Republican leaders ostensibly devoted to fiscal responsibility is that shunning Medicaid expansion makes no budgetary sense, given the huge federal financing commitment and the potential for reducing other state costs, including the public cost of treating uninsured patients," Hiltzik wrote.
This argument comes as new data is released on the cost of caring for those who recently signed up for Medicaid. A story published Friday on Marketplace.org said new Medicaid-related costs for all states are going to be about one-third less than had originally been estimated.
The Marketplace report also quoted Dr. Randy Cebul, who operates the Center for Health Care Research and Policy, as saying that a pilot project in Cleveland, Ohio, has led to lower emergency room use, increased visits to primary care doctors and lower-than-projected spending after Medicaid was expanded in Ohio.
"We improved care. We improved outcomes, and we reduced costs," Cebul told Marketplace.org. Referring to the non-expansion states, Cebul said, "I think this should be a reason they want to reconsider their decision."
originally posted by: Orygun
Those who trash the ACA for the most part don't understand it and haven't had to deal with insurance before. It has been a good deal for everyone I have talked to. Some could not keep their previous insurance, not because of Obamacare, but because the insurance companies cancelled. Many insurance companies just raised prices and forgot to mention that if a person signed up for Obaamcare the price would go down by about half.
originally posted by: HooHaa
The ACA is a POS policy and those who are for it just havent had enough experience with it to see the damage.. Dont worry time will reveal its true agenda.
"On every issue that counts, we can count on Barack Obama to stand with our members, our families and our communities. He has pledged to rebuild America's manufacturing base and to assist the auto industry as we re-tool toward a cleaner, more modern transportation system. "Sen. Obama supports free choice in the workplace; he will fight to deliver quality, affordable health care to every American; and he understands the need to change our trade policies so that U.S. workers and U.S. companies can compete fairly in the global economy.
“The regulations the President wants to force on coal are not feasible. And if it’s not feasible, it’s not reasonable,” Senator Manchin said. “It’s clear now that the President has declared a war on coal. It’s simply unacceptable that one of the key elements of his climate change proposal places regulations on coal that are completely impossible to meet with existing technology.
originally posted by: Phoenix
This makes no sense,
Between out of pocket premium and deductible expense at $18,000+ a year for the family I could see no benefit to having it at all.
I'd of been fairly happy to pay for seperate catastrophic coverage but they've ruined that option too!
King O will have his wish if something catastrophic happens as we will then be the leeches he so desires to have and make of us all.
Recently broke wrist in bicycling accident and received maybe a total of 90 minutes of actual health care between emergency room and follow-up doctor visits. Cost is going past $3000 which is outrageous on its own.
At the ortho office when asked upfront "how much is this going to cost" they stammered and hem hawed then said "we don't know" I said "how can't you know" they said "it depends" I said "depends on what" they said "depends on coverage" I said no no I'm a cash paying customer and need to know billing upfront.
I think what was really meant was "it depends on what we can soak your insurer for" not having one confused them.
It took nearly an hour to get these folks to state a number for a simple x-ray, diagnosis and cast on forearm. All along this process I was treated as if I was radioactive or something.
The vicious triangle formed by providers, insurers and government should have the RICO act thrown at then as its a triangle that is self serving and pricing medical care out of reach to many Americans.
originally posted by: spirit_horse
a reply to: HooHaa
I posted before about Pain Management. I got a policy with my doctors in the network. Then they sent the contract and it said Pain Management and Weight Loss is NOT COVERED.
I called the insurance company and asked them and they told me NONE of their plans cover pain management or weight loss.
So much for Pre-Existing Conditions are now covered! Everything was a huge lie sold to the American people to take what little they had left. F that, I am so ticked off right now it isn't funny. I think this plan will cause a lot of pain management doctors to close up shop. Then what are we supposed to do? Unions were all behind the PPACA though. Obviously you aren't happy now. But, you will probably be able to get the unions special privilege somehow under the ACA. The individuals out there are just on their own until something happens to change that. And not covering Pain Management is going to lead to a new set of problems when people have nowhere to turn but to illicit drugs. Unless the psychiatrists start running pain management which will be a huge debacle in itself. They don't have the background and experience an Anesthesiologist or Physical Medicine Specialist has.
We are screwed for at least the next few years. If they don't ax the whole law, they need to force the insurance companies to cover Pain Management. And Obama even said overweight people is a major medical concern that needs to have access to treatment. Well, that is not covered either. We should start a list of lies about the PPACA that they used to push it down our throats.