Anyone Signed up with Obamacare?

I don't want this to be a debate about Obamacare, but I'm curious if anyone has signed up and actually used the insurance yet. What was your experience with it?

It is my understanding that it isn't an insurance policy, like people are led to believe.

When a person signs up, their app goes into the market, in where the regulations have been lowered, so that pre-existing conditions aren't part of the reqs.

For every person that benefits, another person gets fucked.

Our insurance policy with BCBS is fucked to high heaven now .... we pay out of the ass.


so, you people can have a benefit.


I simply cannot wait until the Republicans take bake the majority ... so free loaders can go back to being unsupported parasites

* back

lol

I tried. I have Insurance with my company but I pay 300.00 per month for me and family.

So I wanted to see if I could save some money. The application process is intrusive pertaining to what kind of info they want and I'm not trying to be all under some government microscope.

Its kinda like Medicaid, because its based on your income. The only difference now it that everyone without some sort of coverage, must sign up at some point in time.

I had heard that some people that got on those plans are having a hard time finding a doctor that will take them. I guess that's what's going on in Texas, anyway. But I don't know anyone who has experienced it first hand, just saw something on the news.

Was wondering if anyone had the same issues.

The plan probably pays a percentage of the cost to the doctors. Not as much as they would get from regular insurance. That's how Medicaid was.

Yeah, I think you're right. The law doesn't require docs to take the insurance.

Posted by truecap
Yeah, I think you're right. The law doesn't require docs to take the insurance.

Not yet. Medicaid did. Doctors had to due a certain term where they had to service Medicaid patients. Tax deductible.

Because this program doesn't fall under the guise of "Medicaid" the stipulations are different. Actually it benefits these doctors because they now can opt out of taking the insurance. Wher as Medicaid it was enforced.

Most people don't like the program because at some point in time,every "Tax paying American" will have to have some form of health coverage or you will be penalized.

I feel its effective. Americans don't like to be told what to do.

When people think of Medicaid they think oh free Insurance "NOT"....Medicaid had multiple programs you could sign up for. Most had a sliding scale criterium. "Florida Kid Care"..for example.

Now "Straight Medicaid" was hard to get because that was 100% coverage at no cost.

Theres a difference. ObamaCare is pretty much the same, except there is no "Straight ObamaCare" its all based on income and the size of the family/dependents.

The program is designed to get people off of "Medicaid" because slowly but surely the only people that will be eligible for "Medicaid" will be the severly disabled/handicapped. Weining process if you will.

Plus, there are to many people filing for Bankruptcy in order to get out of paying outstanding Medical Bills. Most are the Affluent Parasites. 🙂

Posted by DeeG
Plus, there are to many people filing for Bankruptcy in order to get out of paying outstanding Medical Bills. Most are the Affluent Parasites. 🙂

I'm confused-- you're saying affluent people are filing bankruptcy?

^^ Donald Trump did a few years back.

Posted by truecap
^^ Donald Trump did a few years back.

Thank you. He is one of many. Lets face it people, everyone has been taking a piece of the pie.

My only beef was giving over W-2's and such. My taxes and my health insurance need to be two seperate entities.

That probably holds true for many of us.

But if the cost of health insurance is based on income, how else are they going to know what to charge you?

Big Brother society is what it feels like.

My dad refuses to get one of those cards at the grocery store that give you a discount and allows you a sale price - he says its no ones business what he buys. He thinks they monitor what you are purchasing.

Posted by truecap

I had heard that some people that got on those plans are having a hard time finding a doctor that will take them.

I should say ... AND ... this will create more instability in people's finances.

Here's a true scenario:

Our deductible is NOW $ 6,100.00 per year. So, if I go to get blood work done, the bill is $ 1200.00 that gets submitted to my insurance company, who turns down the claim, stating I have to pay the $ 1200.00. The Lab bills me for $ 1200.00.

Granted, this grand gets deducted from my deductible ... but, 12 hundred bucks out of pocket?

that's a mortgage for some people .... now, it should be simple to see why doctors are saying ... no fucking way to taking on these patients.

Because if they have to choose between paying the lab, or paying their heating, or mortgage ... guess which one they are going to pick

Posted by truecap
But if the cost of health insurance is based on income, how else are they going to know what to charge you?

Big Brother society is what it feels like.

My dad refuses to get one of those cards at the grocery store that give you a discount and allows you a sale price - he says its no ones business what he buys. He thinks they monitor what you are purchasing.

I totally get, they have to have all you're info regarding income, but I don't want to get into all that.

With the Medicaid programs, it wasn't that extensive. This program wants your first born.

Posted by P-Angel

Posted by truecap

I had heard that some people that got on those plans are having a hard time finding a doctor that will take them.

I should say ... AND ... this will create more instability in people's finances.

Here's a true scenario:

Our deductible is NOW $ 6,100.00 per year. So, if I go to get blood work done, the bill is $ 1200.00 that gets submitted to my insurance company, who turns down the claim, stating I have to pay the $ 1200.00. The Lab bills me for $ 1200.00.

Granted, this grand gets deducted from my deductible ... but, 12 hundred bucks out of pocket?

that's a mortgage for some people .... now, it should be simple to see why doctors are saying ... no fucking way to taking on these patients.

Because if they have to choose between paying the lab, or paying their heating, or mortgage ... guess which one they are going to pick

click to expand

Its all tied in though. Because its Federal. Lab costs are probably included in their plan. Remember the doctors have a different payscale because they are on the provider end of it. Most of which is not common knowledge for the average joe. This program was a huge hit for the Medical Field in terms of the Billions they make a year, not feeling sorry for them. They to are probably being penalized for not participating. Eventually they will comply because Medical Insurance is so expensive most of the country will be on "Obamacare"...sooner or later.

Look, shits getting bad in this country, end of story. People can't retire at 65 anymore. Gotta have a second job just to pay for Health Insurance or go on "ObamaCare"....those are our options.

Or go back to school and make more money. America, its time to get in the trenches with the rest of the third world countries cus thats where we're headed.

That, MissFisk, and a lot companies are not hiring as many full time employees and if they are only hiring part time, they don't have to provide insurance at all. My own daughter got her hours cut to put her back into part time and she no longer qualifies for insurance.

Thus, more and more people are going to be forced into the government health system. Meanwhile, the quality of health insurance is declining, insurance pays out less, medical costs for the doctor/hospital is rising due to the increase in the cost for supplies just to run a lab test etc, and the whole system is eventually going to crash. More medical facilities are not going to be able to afford to operate, thus they will eventually close there doors. Less people wanting to become doctors.

That's what the healthcare industry is trending and predicting anyway.

Posted by truecap
^^ Donald Trump did a few years back.

His companies did.

Four times, in fact.

But Trump has not declared personal bankruptcy.

Posted by DeeG
Look, shits getting bad in this country, end of story. People can't retire at 65 anymore. Gotta have a second job just to pay for Health Insurance or go on "ObamaCare"....those are our options.

Or go back to school and make more money. America, its time to get in the trenches with the rest of the third world countries cus thats where we're headed.

You're so right.

Two birds with one stone:

Population Control
and
Control

Like P said...save up at least six months of mortgage payments and if you get really sick..you're screwed.

Posted by truecap
... more and more people are going to be forced into the government health system. Meanwhile, the quality of health insurance is declining, insurance pays out less, medical costs for the doctor/hospital is rising due to the increase in the cost for supplies just to run a lab test etc, and the whole system is eventually going to crash. More medical facilities are not going to be able to afford to operate, thus they will eventually close there doors. Less people wanting to become doctors.

That's what the healthcare industry is trending and predicting anyway.

Good point.

And I'm beginning to think that is the idea.


If we got rid of the mandates and could purchase across state lines (true competition), it would flourish.

Instead, we're stuck in this mire because the corporations and politicians are in bed together-- and have been for a long time.

Posted by MissFisk
$ 6,100.00?!?! Holy fuck, that's huge. Thats' why some people stay in jobs they hate because the insurance is great.

And some large companies are now dropping the insurance policies for their employees and just giving them straight cash for them to purchase their own health through the federal policies.

My deductible is 1,300 per individual. Its me and two dependents.

And yes,, there are many here at my office over the age of 55, purely for the insurance. They complain everyday how they hate their job but stay for insurance purposes.

Posted by LetltB
Two birds with one stone:

Population Control
and
Control

To late for all that. Medicine will be socialized completely sooner than we think. This is jsut a test to see how America adapts. Its already in the works. Spoon feeding us at the moment.

Doctors around here are considering being a no-insurance doctor and accepting cash only. That way, they can charge a reasonable price and they are guaranteed to get paid. There are ways around the system.

Sounds like the old days when they'd take a calf for payment for delivering a baby at home.

Posted by truecap
Doctors around here are considering being a no-insurance doctor and accepting cash only. That way, they can charge a reasonable price and they are guaranteed to get paid. There are ways around the system.

Sounds like the old days when they'd take a calf for payment for delivering a baby at home.

Can't really blame them.

Posted by truecap
That, MissFisk, and a lot companies are not hiring as many full time employees and if they are only hiring part time, they don't have to provide insurance at all. My own daughter got her hours cut to put her back into part time and she no longer qualifies for insurance.

Thus, more and more people are going to be forced into the government health system. Meanwhile, the quality of health insurance is declining, insurance pays out less, medical costs for the doctor/hospital is rising due to the increase in the cost for supplies just to run a lab test etc, and the whole system is eventually going to crash. More medical facilities are not going to be able to afford to operate, thus they will eventually close there doors. Less people wanting to become doctors.

That's what the healthcare industry is trending and predicting anyway.

We as Americans must see this as an opportunity not an obstacle. Once the gravy train leaves the station all the money hungry corporations will go somewhere else(like Dubai)and we can get our country back. The small business man will have a chance again and people will be working harder which means more exercise and less obesity. People are already looking to homopathic remedies and preventive life style s. I kinda like the change, its not and ideal change but its still a chsnge.

Posted by truecap
Doctors around here are considering being a no-insurance doctor and accepting cash only. That way, they can charge a reasonable price and they are guaranteed to get paid. There are ways around the system.

Sounds like the old days when they'd take a calf for payment for delivering a baby at home.

lol...Bartering, what a concept!

Posted by truecap
Doctors around here are considering being a no-insurance doctor and accepting cash only. That way, they can charge a reasonable price and they are guaranteed to get paid. There are ways around the system.

Sounds like the old days when they'd take a calf for payment for delivering a baby at home.

This doesn't solve the issue of the cost of labs, x-rays, surgical supplies or medications, but at least its a start.

Posted by Montgomery

Posted by truecap
^^ Donald Trump did a few years back.

His companies did.

Four times, in fact.

But Trump has not declared personal bankruptcy.

click to expand

Shrewd Gemini....😉

Posted by djbuck1
My brother lost his employee health insurance because of Obamacare.

What Happened? did the company just stop offering it?

It's ironic that a year ago, this subject would have turned into a very heated thread.

i like how they use the sick and ill people as hostages for obamacare.

Posted by djbuck1

Posted by DeeG

Posted by djbuck1
My brother lost his employee health insurance because of Obamacare.

What Happened? did the company just stop offering it?

What difference does that make?

click to expand

Because I never heard of a company taking away Insurance due to "ObamaCare"..I was curious as to why that happened.

My cousin owns his own business and he always provided his employees with health insurance. He went in for renewal this year and they say "we no longer offer this plan, but here's your options".
The new plan was three or four times the cost and business owners just can't afford to pay for it anymore. It's cheaper for them to pay a tax penalty than to purchase insurance.

Oh and the plan had a much higher deductible and worse coverage than before.

It's pretty obvious that they are starting to offer crappier plans for more money under the guise of the Affordable Healthcare Act because people no longer have a choice but to buy healthcare.

Posted by truecap
My cousin owns his own business and he always provided his employees with health insurance. He went in for renewal this year and they say "we no longer offer this plan, but here's your options".
The new plan was three or four times the cost and business owners just can't afford to pay for it anymore. It's cheaper for them to pay a tax penalty than to purchase insurance.

I see. Yeah that part of it sucks. There are other types of programs out there, not just ObamaCare.

Maybe this will open a new market.

People should not be forced to purchase a product or be penalized. That's all the ACA is. Buy insurance or pay a fine. Funny, thought we were a Constitutional Republic.

One of my jobs cut my hours because of ACA.

At my other job on Tuesday (a healthcare facility) I was listening to a patient flipping out on the woman at the front desk because she now has a $ 100 copay.

To those wishing for a single payor system.. You need to seriously rethink that.

It needs to be repealed. Period.

No, I haven't signed up for squat. I have absolutely no intention of doing so either, their asinine threats be damned.

Where I'm concerned the government can suck it.

Viva la revoluci?_n.

Posted by Montgomery

Posted by DeeG
Plus, there are to many people filing for Bankruptcy in order to get out of paying outstanding Medical Bills. Most are the Affluent Parasites. 🙂

I'm confused-- you're saying affluent people are filing bankruptcy?

Posted by DeeG

Posted by Montgomery

Posted by DeeG

Posted by truecap
^^ Donald Trump did a few years back.

Thank you. He is one of many. Lets face it people, everyone has been taking a piece of the pie.

His companies did.

Four times, in fact.

But Trump has not declared personal bankruptcy.

Shrewd Gemini....😉

click to expand

He is.

But I'm not sure how he ties in to these "affluent parasites" that are allegedly filing bankruptcy for the express purpose of avoiding medical bills.

?

He's an advocate of universal healthcare, as well as "allowing" citizens to purchase health care across state lines.


"... we still need a plan to bring down health-care costs and make health-care insurance more affordable for everyone. It starts with increasing competition between insurance companies. Competition makes everything better and more affordable.

One way to infuse more competition into the market is to let citizens purchase health-care plans across state lines.

This could be easily accomplished if Congress got some guts and did the right thing. The U.S. Constitution gives Congress control over interstate commerce. But for whatever reason, the Congress has never exercised this power regarding health insurance. They need to."


Link

Posted by Herself
People should not be forced to purchase a product or be penalized. That's all the ACA is. Buy insurance or pay a fine. Funny, thought we were a Constitutional Republic.

One of my jobs cut my hours because of ACA.

At my other job on Tuesday (a healthcare facility) I was listening to a patient flipping out on the woman at the front desk because she now has a $ 100 copay.

To those wishing for a single payor system.. You need to seriously rethink that.

It needs to be repealed. Period.

Not saying I like the way things are, make no mistake. I agree, we should not be penalized for buying a product. That's really all it is, a product.

Now we are faced with a much bigger problem, who's gonna start pickteting? our rights are still there but this generation is so unaware, (conspiracy)that its up to us baby boomers to make a stand?

@Montgomery...I wasn't the one who brought up his name up. I don't trust your status on DXP because of this, I won't engage.

100 $ copay is sweet BTW....wish that's all I had to pay...🙂

Posted by M

Posted by DeeG

Posted by truecap
My cousin owns his own business and he always provided his employees with health insurance. He went in for renewal this year and they say "we no longer offer this plan, but here's your options".
The new plan was three or four times the cost and business owners just can't afford to pay for it anymore. It's cheaper for them to pay a tax penalty than to purchase insurance.

I see. Yeah that part of it sucks. There are other types of programs out there, not just ObamaCare.

Maybe this will open a new market.

ACA encourages finding other programs. The goal isn't everyone on one plan it's everyone having a plan and that is a contestable aspect.

click to expand

+1

Posted by DeeG

Posted by Herself
People should not be forced to purchase a product or be penalized. That's all the ACA is. Buy insurance or pay a fine. Funny, thought we were a Constitutional Republic.

One of my jobs cut my hours because of ACA.

At my other job on Tuesday (a healthcare facility) I was listening to a patient flipping out on the woman at the front desk because she now has a $ 100 copay.

To those wishing for a single payor system.. You need to seriously rethink that.

It needs to be repealed. Period.

Not saying I like the way things are, make no mistake. I agree, we should not be penalized for buying a product. That's really all it is, a product.

Now we are faced with a much bigger problem, who's gonna start pickteting? our rights are still there but this generation is so unaware, (conspiracy)that its up to us baby boomers to make a stand?

click to expand

I'm not a baby boomer but I am very much involved.

Problem is... Americans are so brainwashed in to thinking music awards are more important than what's going on in DC. They have no idea what our elected servants (the gov't) are doing nor how it effects them.

Pretty scary...