Help ATS with a contribution via PayPal:
learn more

Has Anyone Benefited from Obamacare?

page: 1
19
<<   2  3 >>

log in

join

posted on May, 31 2014 @ 11:44 AM
link   

“America's health care system is neither healthy, caring, nor a system.” ― Walter Cronkite


This may come off as a rant more then a topic for this forum but given this all consuming issue, it probably belongs here.
A simple question to everyone who reads this, Have you benefited from Obamacare?

In the recent months through all the debate, media attention and partisan political posturing everyone has assumed it is a very hard issue to nail down. I am very skeptical of what I read and see and rather base my decisions on real life situations, by you. Having 2 young kids both in school I tend to be running from doctor to doctor quite often. Every single time I step into an office I make it a personal practice to ask how has Obamacare affected them or their patients. So far the replies have all been the same: delays in getting coverage, delays in getting treatment and sometimes absurd cost increases. Not once have I received a positive answer yet in 3 months at about 8 different places!


On top of that my 3 1/2 year old son recently needs help with a couple developmental problems, and NO it is not autism. IMO too many people go running to that ultimate conclusion way too hastily when seeing trends of smaller problems. He was fine at 3 and now just needs to catch up a bit in 2 areas. Nether the less I received a referral to go se a developmental doctor at one of the best hospitals in NJ. When I called they said they were only going to accept new patients on June 2nd by lottery! I asked for details, I need to call at 8:am June 2nd and leave a message, from there if I am one of the first few callers I will get an appointment in August. . . MAYBE! Ok, so they are a good hospital and have high demand, I get it. What I didn't get was an appointment when I called the next 5 hospitals specializing in this area. Even at one of the other best hospitals, they told me the doctors all left the hospital and formed a private practice. When I called that private practice they only take cash $500 for consult, then $1500 for the initial test - all not covered by insurance, out of network and this is just to get the ball rolling! So I called the next few private specialists, all had the same !@#$% answer. After the 3rd I spoke to, being very frustrated at this time, I even asked the doctor herself why don't you take insurance, she replied, "it has become too much work for her to do and she neglects her patients dealing with all that extra paperwork." I replied why don't you hire someone to do all that for you? It was like I asked a devout christian to convert to atheism!


What can I say - disgusted! I have the best insurance available in NJ for my children. And during this 6 hour process last week Obamacare seemed to be the blanket reason most health workers at the clinics and hospitals were giving me for all the BS going on. Yet none of them could give me a specific reason why. A women who worked for Children's Specialized Hospital even started crying to me on the phone because she has to turn away so many kids who are desperately in need of help. She felt hollow, disgusted, betrayed and was considering leaving the profession due to all the heart ache it has caused her recently.

Anyway, my ex(paternal father) is engaged now, his fiancé's sister in law has a dear friend who works for one of the best hospitals(was only #2 on my list due to the distance) near NYC in an adjacent children's department I need to go to. 2 hours later we have an appointment on Thursday morning completely covered by insurance. . . WTF! Mixed emotions here because I called them and was told there was an 18 month waiting period but now that seems to have disappeared. At this point I'm just glad he is being seen, even though this system of healthcare has me feeling sick.

Poor children in Cambodia waiting in line for health care.
Is the only difference between those in the picture above and us here in the USA, that we are not waiting in the street for service, just our homes!

To make it worse my father is a doctor, retired somewhat, but still he refuses to talk to me about these issues, at any length, as if there is some kind of conspiracy going on behind the scenes. . . again WTF is going on! Is this the way things have to be done now, for this is beyond stupid.


I feel better now, thank you
, I've let it out! Still is there one person out there that has a positive personal experience that relates directly to Obamacare? Maybe NJ is one of those bad states, where we all need to be penalized for getting sick but I will still like to know where, if any, the good places are.


"Bad schools, crime, drugs, high taxes, the social security mess, racism, the health care crisis? Unemployment, welfare state dependency, illegitimacy, the gap between rich and poor. What do these issues have in common? Politicians, the media, and our so-called leaders lie to us about them. They lie about the cause. They lie about the effect. They lie about the solutions." ― Larry Elder




posted on May, 31 2014 @ 11:48 AM
link   
a reply to: AnteBellum

I just don't understand how they cocked it up so much their are plenty of models of socialised medicine around the world and they could have just used one of those or made one like it.
It just appears to me the money men have got their fingers into it to make money.
Universal healthcare shouldn't be about profit.
Oh and the death panel bit is very very misinformed btw.(comes from our medical care in the UK it isn't a death panel at all If you read up on it).
edit on 31-5-2014 by boymonkey74 because: (no reason given)



posted on May, 31 2014 @ 11:54 AM
link   
The people Obamacare was written for don't buy insurance.

This is several new layers even Healthcare workers do not understand.

I think the "Idea" was grand.

But, a $1000.00 deductible to most people, might as well be a Million.



posted on May, 31 2014 @ 12:09 PM
link   
Before Obamacare my son's simple doctor apt was a co payment of $20 and just the other day it was $120, so a bunch more of those and I can get into a lower tax bracket....life is good.


edit on 31-5-2014 by Xtrozero because: (no reason given)



posted on May, 31 2014 @ 12:11 PM
link   

originally posted by: whyamIhere

But, a $1000.00 deductible to most people, might as well be a Million.


Those that can only afford Bronze will never be able to afford even one doctor visit, so it will be interesting when 100 million Americans default on all their doctor bills.


+3 more 
posted on May, 31 2014 @ 12:18 PM
link   
The insurance companies benefitted .. these days corporations are people too dontcha know ..

Bloody big difference between health insurance and health CARE ..

Obamacare is NOT health care .. its legalised extortion by the insurance companies .. either way obama shafted the public bigtime with that fiasco ..



posted on May, 31 2014 @ 12:22 PM
link   
I predict we will start hearing about a new government backed loan program.

Medical loans modeled after the Student Loan program.

This will be a response to increased bankruptcy filings.

They will not let the average citizen get away clean. No way.

Obama.Care is a debt based program.

"From each according to his ability, to each according to his need"



posted on May, 31 2014 @ 12:30 PM
link   
It certainly didn't help me, as it was so far out of my price range I almost fell out of my chair laughing when I saw the quote.

I didn't have insurance before because I couldn't afford it. That insurance was cheaper than Obamacare with a subsidy... That I very well may be penalized for using since my husband's job depends a lot on seasonal. So I use the subsidy, it was a good winter and I am up crap creek and have to figure out how to pay it back at the end of the year.

No thanks. For me... Obamacare is a giant trap. I think it probably works great for the folks who don't have to pay for it though. Kind of like Medicaid did... oh wait...



posted on May, 31 2014 @ 12:30 PM
link   
Yes, I have benefited.....

Without it I'm almost positive I would be dead.

There's lots of people who want to see this fail and will blame any and all problems on Obamacare.

I really do think there is a plan by the elite to turn the US into a third world type economy. With a small amount of extreme wealth and the majority living in poverty.

Universal health care is a way to make sure there is a middle class.



posted on May, 31 2014 @ 12:33 PM
link   
I'm saving about 500$ a month because of Obamacare. Went from no insurance and paying cash.



posted on May, 31 2014 @ 12:35 PM
link   
a reply to: Daughter2
a reply to: ArtemisE

Above posters finally a positive!
What states or areas of the country do you live?
Would it be too personal to ask you to elaborate on your situations?
edit on 5/31/2014 by AnteBellum because: (no reason given)



posted on May, 31 2014 @ 12:49 PM
link   
With all the money that has been spent.

It really is nice to hear that somebody is actually benefiting.



posted on May, 31 2014 @ 02:00 PM
link   

originally posted by: AnteBellum
a reply to: Daughter2
a reply to: ArtemisE

Above posters finally a positive!
What states or areas of the country do you live?
Would it be too personal to ask you to elaborate on your situations?


I live in the Midwest...

I left my last perm position that had great health insurance to take care of a sick relative.

Since I left I've only been able to find temp positions with no benefits.

Anyway, like many caretakers, I eventually became ill myself. I couldn't afford the specialist who wanted $800 cash UP FRONT or the $500 a month medicine. Plus it made getting a job almost impossible. No employer wants to hire someone who sounds or looks the least bit sick. I actually had employers mock me and say I was going to die alone.

Anyway, the program isn't perfect but at least I was able to see a specialist and get my medicine.

I do want to bring up a point you touched on and that's having connections got you better care. Which is 100% true. I don't agree more money always leads to better care. Actually great insurance can sometimes lead to poor care with unnecessary tests and surgeries.

A lot of of care depends on having a doctor with ethics who wants to do the best for their patients. Giving doctors huge amounts of money only encourages people to go into for the money and you don't want a doctor who thinks of you as an ATM machine.



posted on May, 31 2014 @ 02:09 PM
link   
Well, personally I went from years of paying nothing through my job for health insurance (a fairly middle of the road medical/dental/vision/AD&D benefit) to having to pay $185.00 per paycheck every 2 weeks to keep the same coverage...the only exception is that now my deductible has doubled. I have 3 daughters - 1 still in school, one is 23 and lives on her own and 1 is 25 and married - but all 3 still on my insurance. I don't have an issue with keeping my children covered because 1) what kind of parent wouldn't help their child, and 2) my insurance coverage for children is the same cost whether you cover 1 child or many children.

Add to that, the failing economy has kept anyone at my office from getting a raise for a few years now (and I know this because I'm the one who does payroll and all other accounting functions) and what you get is basically a reduction in pay because now you're paying for something that used to be a benefit.

And to top all that off - even though it looks like I'm whining about it, in today's America I can see how lucky I truly am to still have a job and benefits of any kind! So, yeah...



posted on May, 31 2014 @ 02:18 PM
link   

originally posted by: Daughter2
I actually had employers mock me and say I was going to die alone.

...


Giving doctors huge amounts of money only encourages people to go into for the money and you don't want a doctor who thinks of you as an ATM machine.


OMGosh... what the hell has happened to humanity! It's things like what you are going through that makes me hate humanity sometimes! There's very little true empathy anymore. So many can't see beyond their selfish self that we need to get back to serving each other instead of expecting something from everyone.


I'm so sorry for what you are going through. There is no excuse for anyone to make that kind of comment to another human being.



posted on May, 31 2014 @ 02:59 PM
link   
AnteBellum, I truly feel for you and your family. I hope things get better and that this is just a bump in the road.

I don’t know if your experience is typical or not, and whether it’s due to the ACA implementation or just a streak of bad luck. There’s so much controversy surrounding this topic that it’s near impossible finding unbiased, objective information. It seems people either love it or hate it, even though they know nothing about it. A lot of folks hate it for no rational reason other than they’re just haters and want it to fail because the Obama administration chose to implement it, despite the fact that the whole idea (including the mandate) was the brainchild of the Heritage Foundation.

Sorry, I’ll try to keep politics out of this post.

I do know at least 5 people who’ve had positive experiences so far. I have 2 nephews and 3 friends that have told me they had no problems at all. My nephews and 1 friend were unable to get insurance at all before ACA, but are now covered at very little cost. One nephew is finally able to get medication for his COPD problem, and my friend is now seeing a specialist for a serious vascular problem (blockages, I think) that left untreated could become fatal. Anyway, they all told me they had no problems enrolling and finding suitable plans.

I’m lucky, I guess. I’ve got coverage through my employer and didn’t have to go through the whole process.

I do know that the U.S., the richest nation in the world, stands almost entirely alone among developed nations that lack universal health care. As such, we share company with only a handfull of others: a few of the Balkan states, and the Soviet-style autocracy of Belarus. Public spending on health care per capita is greater in the U.S. than in all other developed nations.

Now, if you’re in favor of universal healthcare, then Obamacare is a step in the right direction, despite the system’s many faults. However, for those who are adamently opposed to this idea, the Affordable Care Act is a living nightmare. It’s tax increases and unpredictability have many worried for the future of the country.

Personally, I think it’s too soon to project an outcome. Change never comes easy and often takes a while to implement. I’m trying to keep a positive outlook, as I think we’ve fallen behind the rest of the civilized world when it comes to caring for our people. There’s a whole lot that needs changing about it, but it’s a start. Sometimes taking the first step is the hardest part.

For what it’s worth, the following is a list of pros and cons that I’ve compiled from a variety of sites. Most seem to have already made up their minds about it, though, and so it may be of no value to them.

PROS
---32 million Americans are currently without health insurance. Thanks to this Act, a larger portion of the general
population will now have access to the coverage they need.
---Patients with pre-existing conditions cannot be denied coverage by insurance companies, and companies can no
longer drop someone once they get sick.
---The federal government will pay the states to allow low-income individuals to enroll in Medicaid
---The Medicaid “doughnut hole” gap in coverage will be eliminated by 2020.
---Each year, $125 million will go towards funding school-based health centers and programs to reduce teen
pregnancy.
---States are required to set up insurance exchanges to make it easier to find the best deals on private health
insurance.
---The number of bankruptcies caused by health-related issues will be severely reduced.
---Ban on discriminating against children with preexisting conditions: insurance companies can't deny coverage to
children under age 19 for a pre-existing condition. The ban will go into effect for adults in 2014.
---Ban on rescission: insurers will be prohibited from dropping a customer when they get sick or to search for errors
in customers' applications to use as a basis for rescinding coverage or denying payment for services.
---Ban on limiting coverage, lifetime caps: Insurers will no longer be able to impose lifetime dollar limits on
benefits--particularly hospital stays or expensive treatments for chronic diseases, cancer, etc. By 2014, they will
phase out annual caps.
---Ban on limiting doctor choice in new plans: insurers will have to allow primary care physician status for
OB/GYNs and pediatricians so that patients don't have to get pre-authorization or referrals to see these providers.
---Ban on restrictions on emergency services: insurers will have to cover all emergency care, in or out of network.
---Young adults can stay on their parents' plans til 26 unless they have access to coverage in their workplace;
---New plans will cover preventive care with no customer costs--well-baby, mammograms, colonoscopies, etc.
will be covered with no co-pays or deductibles.
---Obamacare does not apply to businesses with less than 50 employees. Larger businesses are required to offer
health insurance, but receive tax credits to help employees pay premiums. In 2015, the tax credit increases to 50%.

CONS
The CBO (and other non-partisan groups, as cited below) point out these disadvantages:
---There are 30.1 million people who currently buy their own private health insurance. Many of them ahave had their
plans cancelled by the insurance company because the plan doesn't meet the 10 essential health benefits. Their
costs of replacement insurance is higher because it provides services, like maternity care, that many of them
don't need. (Source: Factcheck.org, The Keep Your Plan Promise, June 28, 2012)
---Between 3-5 million people could lose their company-sponsored health care plans. Many businesses will find it
more cost-effective to pay the penalty and let their employees purchase their own insurance plans on the
exchanges. Other small businesses might find they can get a better plan through the state-run exchanges.
(Source: CBO, The Effects of the Affordable Care Act on Employment-Based Health Insurance, March 15, 2012)
---Increased coverage may actually raise overall health care costs in the short-term. That's because many people will
receive preventive care and testing. These additional tests, such as cancer screening and cholesterol tests, will
lead to higher medical spending. (Source: CBO, 2009 Study on Preventive Health Care, August 7, 2009)
---About 4 million people, or 1.2% of the population, will wind up paying the tax rather than purchase health
insurance. The CBO estimates this will cost them $54 billion.(Source: Washington Post Factchecker,
Tax Breaks vs Tax Hikes, July 6, 2012)
---In 2018, insurance companies will be assessed a 40% excise tax on "Cadillac" health plans. These are plans with
annual premiums exceeding $10,200 for individuals or $27,500 for families. Many of these plans are for people in
high-risk pools, such as older workers or those with dangerous jobs. Most of the tax will be passed onto the
companies or employees, raising premiums or deductibles. (Source: Kaiser, Cadillac Tax Explained, March 18, 2010)

My positive side tells me that perhaps one day we’ll look back on it and wonder why we didn’t do it sooner. My negative side tells me, however, that we may blow ourselves off the face of the Earth before that day ever comes...



posted on May, 31 2014 @ 03:51 PM
link   
Yes. I have. In summary, I was uninsurable after losing my insurance in early 2001 and due to preexisting conditions. I've spent the last 13 years of my life having chronic illness and no medical or dental. One of the ACA changes was to eliminate the "preexisting condition" issue for obtaining insurance for first children and then adults in 2014. Last year, I spent around $1600 out of pocket in three medical appointments in an attempt to try to figure out why I was having very serious issues with my vision. I was told that I was at risk for going blind. I had numerous expensive tests ordered for me that I could get no financial assistance for as I was disabled (but couldn't get disability because I had no current or longstanding medical record). I had fallen through the cracks utterly and was basically left to the hands of Fate.

Thanks to the ACA, I obtained medical and dental insurance for the disabled in March of 2014. In one dental appointment, they uncovered significant infection that appeared to have possibly spread up to my brain and was promptly dealt with through extraction. The change in my health was remarkable and is continuing just from that alone. In my first doctor appointment, they uncovered serious damage to the majority of my spine. I'm currently awaiting approval for those same tests that were ordered last year that I couldn't even remotely afford.

My saying before the ACA was that health insurance wasn't for the sick--it was only for the healthy. A very, very cynical view but it really was the truth. I knew a lot of people that fell through the cracks just like I did. Now that the ACA exists though, I don't have to fear quite so much anymore. You haven't lived until you have something phenomenally terrifying happen to you and all you can do is hope that sleep and rest are going to fix it. I call it playing Russian Roulette. I've been playing Russian Roulette for 13 years.

PS. An old friend of mine from high school was actually an executive of a major healthcare organization. When the subject of the ACA came up, he railed against the preexisting condition changes quite vocally on Facebook. I pointed out to him how he knew me, knew that I was a single mom with a couple of children, who really depended on their mother, and saw pictures of us every day to see how much we all loved each other. I asked him if he really was okay with me potentially dying because I "shouldn't be insured". He told me that I should just die--not kidding. We're no longer friends and you know, that still hurts to this day.
edit on 31/5/14 by WhiteAlice because: added ps



posted on May, 31 2014 @ 04:48 PM
link   
a reply to: WhiteAlice

My experience has been very similar to yours. Both my husband and I have preexisting conditions that kept us from coverage and we both are now covered for $ 400 or so a month which seems like a lot but my husbands meds alone cost us $600 a month. He has Schmidt's syndrome which among other things includes Addisons disease and type 1 diabetes. The deductible is $500 but that's still far below what we were paying in a month with out access to regular care he has gone with out for at least 15 years. He is finally able to see an endocrinologist for the first time in ten.

In my case after being unfortunate enough to be in a car hit by a drunk driver in '92 I spent the first year recovering enough from a brain injury to care for myself. I was dropped from coverage at the end of '93 and have not been able to get coverage ever since. That is until this year. We both have dental coverage as of May 1 and the tooth infection I have had for 8 months will be taken care of in June. I had attempted to get it taken care of at our local emergency dental clinic but was told by the dentist that he could not help because the tooth in question is savable and one of my front teeth so he could not simply pull it, which was the only option allowed them at the time. We still will have to travel out of the area because we are quite rural and there are no dentists that can accept new patients but a little traveling to get it done right is good with me.

Penny



posted on May, 31 2014 @ 06:47 PM
link   
a reply to: AnteBellum

I have benefitted greatly. As a partially disabled veteran, I get free VA care for the service connected injuries I suffered. But that same injury that qualifies me for free VA care for those injuries disqualified me from other insurance as a "pre-existing condition." So if I have a leg or arm orthopedic problem, I was in good shape. But until the ACA, I couldn't get coverage for cancer or heart problems. Now I have full coverage at a reasonable cost It was a common situation for vets.



posted on May, 31 2014 @ 07:02 PM
link   
Healthcare in the US has turned into a racket, and Obamacare did not cause this problem, although it very well could have exacerbated it, or brought it closer to the surface. I think the only solution is some type of government intervention. I assume that at some point the glaring flaws will be addressed, but are people supposed to do in the meantime? That is IF the problems are addressed at all.

Too many lobbyists and doctors wish to keep things the way they are, as the system allows them to make more money. I mean it is ridiculous that someone paying out of pocket has to fork over so much money for a consultation. And I have noticed that many of the vets are doing the same thing, at least the ones I have dealt with for my animals. With any business there will be people who do whatever they can to make more money, and the only solution is for the government to pass laws limiting how others take advantage of people. I am all for government regulation when it comes to essential services like healthcare.





new topics

top topics



 
19
<<   2  3 >>

log in

join


Help ATS Recover with your Donation.
read more: Help ATS Recover With Your Contribution