As Predicted: Obamacare Has Higher Than Average Out of Pocket Costs

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Originally posted by: nemesis
I consider myself blessed by the fact that my wife and daughter both work in the insurance field and I have never had to EVER concern myself with anything remotely dealing with anything that had the word insurance in it. I can think of NOTHING more confusing than a medical insurance policy.

With that in mind I will say this, and ONLY this about Obamacare. My wife is a college grad with 36 years experience in the field. She has held many positions in her long career including claim exaiminer, adjuster, supervisor, Officer Mgr, etc. Currently she holds the title of Financial Advisor. Its her job to know these policies inside and out. My daughter deals exclusively with the government stuff. A specialist, if you will.

The daughter was visiting the other day and the two of them began talking shop and of course Obamacare was the main topic of discussion. My daughter felt the only thing to do was move to Canada. My wife said she would drive!

This half joke was from two people who know what they are talking about. They don't just read the hand-outs. They are the ones dealing with it. My wife sits in on the executive meetings on how to deal with this shit.

Good luck everyone. Its not the great deal you think it is.


You daughter and wife concluded single payer, socilaized medicine was better than Obamacare? Join the club.

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Originally posted by: pjstroh
You daughter and wife concluded single payer, socilaized medicine was better than Obamacare? Join the club.
As have all the Canadians posting in the Kitchen Sink

tonyrob:
Quote

Originally posted by: tonyrob
We pay $120.50 per month which covers both my wife and I. No deductible. It is the Provincial health program in BC Canada. It covers all doctor visits, emergency treatments, non-elective surgery, eye examination, some physio. It doesn't cover dental. I snapped a tendon in my arm and was in surgery within 4 days. From reading posts here and elsewhere I see that the issue of Private v State is very divided in opinion. I am staying out of the politics of it, just stating how it works here and that the satisfaction level is high.


bkrull7:
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Originally posted by: bkrull7
Yes, I agree with tonyrob, we are lucky in British Columbia. My total health care cost, including all hospital, doctor visits, dental, prescriptions, eye glasses, physio, travel medical insurance, and all with no deductible, is $179 month. My late husband worked for the Provincial Government, so as his widow, I receive all the benefits now. I feel very fortunate!


O2bnVegas:
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Originally posted by: O2bnVegas
My sister has lived in Canada for several decades, raised several kids there, has had nothing but excellent care elective and emergency. Recently her husband had aortic aneurysm graft blow out, multiple hail Mary surgeries, kidney failure, every complication imaginable. Fantastic care from specialists and he has pulled through everything. Yes, that was an emergency for sure, but she never had a complaint about health care elective or emergency. We spent a day with our dad in the ER on a visit in Ontario, he had some arrhythmia, they worked him over, were the nicest bunch you could want to meet (they loved our southern accents). It cost us all of $120 (since he wasn't Canadian citizen). It will never happen in the USA ever, but they have it great (high taxes of course).


NannyD:
Quote

Originally posted by: NannyD
I am extremely glad I live in Ontario Canada & have excellent medical care. Elective surgery does have a wait time but

Necessary surgery is done right away - no cost to citizens. prescription meds over age 65 single person there is a $100.00 charge once per year

If you earn over $16,000.00 Yearly and pay a $6.11 dispensing fee on each Rx. We receive a 3 month supply at one time.
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Originally posted by: forkushV
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Originally posted by: DonDiego
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Originally posted by: forkushV
malibber, good news! I've come across some Indiana based rates, and an Indianapolis family of four with an income of $50,000, for the Bronze program will pay:

$11.00 per month for ObamaCare.

And obviously, that's regardless of the pre-existing conditions of any of the four family members. For silver, it would be $282 for someone making $50k, and $1,011 for a family with income greater than 400% of the poverty level. And everyone is free to buy their own insurance outside the marketplace if they choose.

And a single 27-year-old earning $50,000-per-year, for the Lowest Bronze Program will pay:

$204.00 per month for Obamacare.

What a deal!

Oh, wait, . . .that's not much of a deal. How is it possible for a 27-year old to be paying over 18-times as much as a family of 4, . . . for the same coverage?
Because lower ACA subsidies. A single person making $50,000 has A LOT more spending money than a family of four making the same.

Seriously, you didn't know that?


But, it should be his choice. Not mandated by our government.
Because he has chosen to not be a family of 4 does not mean he should pay ALOT MORE in premiums
Don't forget libraries, public parks and public schools which I never use.

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Originally posted by: Chilcoot
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Originally posted by: hoops2
But people aren't required to buy a new Malibu in 2014 or face a penalty
True, but they are required to pay local, state, and federal taxes into the single payer model we use to buy everyone roads and public transit, whether they want them or not.



That's why a truly Canadian style system is better and more fair to everyone. Anyway it is a myth that Canadians pay more in taxes that U.S. citizens. The latest studies I have seen show that anyone with a middle class or even upper middle class income would actually pay slightly less in total taxes than someone living in the U.S. with the same income. So it is time we quit making excuses to justify the massive amount of government welfare that goes to private insurance companies and pharmaceutical companies and create a real healthcare system that benefits the citizens.

Quote

Originally posted by: rdwoodpecker
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Originally posted by: forkushV
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Originally posted by: DonDiego
Quote

Originally posted by: forkushV
malibber, good news! I've come across some Indiana based rates, and an Indianapolis family of four with an income of $50,000, for the Bronze program will pay:

$11.00 per month for ObamaCare.

And obviously, that's regardless of the pre-existing conditions of any of the four family members. For silver, it would be $282 for someone making $50k, and $1,011 for a family with income greater than 400% of the poverty level. And everyone is free to buy their own insurance outside the marketplace if they choose.

And a single 27-year-old earning $50,000-per-year, for the Lowest Bronze Program will pay:

$204.00 per month for Obamacare.

What a deal!

Oh, wait, . . .that's not much of a deal. How is it possible for a 27-year old to be paying over 18-times as much as a family of 4, . . . for the same coverage?
Because lower ACA subsidies. A single person making $50,000 has A LOT more spending money than a family of four making the same.

Seriously, you didn't know that?


But, it should be his choice. Not mandated by our government.
Because he has chosen to not be a family of 4 does not mean he should pay ALOT MORE in premiums


BTW thanks for the quotes Chilcoot
Quote

Originally posted by: rdwoodpecker
Quote

Originally posted by: forkushV
Quote

Originally posted by: DonDiego
Quote

Originally posted by: forkushV
malibber, good news! I've come across some Indiana based rates, and an Indianapolis family of four with an income of $50,000, for the Bronze program will pay:

$11.00 per month for ObamaCare.

And obviously, that's regardless of the pre-existing conditions of any of the four family members. For silver, it would be $282 for someone making $50k, and $1,011 for a family with income greater than 400% of the poverty level. And everyone is free to buy their own insurance outside the marketplace if they choose.

And a single 27-year-old earning $50,000-per-year, for the Lowest Bronze Program will pay:

$204.00 per month for Obamacare.

What a deal!

Oh, wait, . . .that's not much of a deal. How is it possible for a 27-year old to be paying over 18-times as much as a family of 4, . . . for the same coverage?
Because lower ACA subsidies. A single person making $50,000 has A LOT more spending money than a family of four making the same.

Seriously, you didn't know that?


But, it should be his choice. Not mandated by our government.
Because he has chosen to not be a family of 4 does not mean he should pay ALOT MORE in premiums
The rates for the 27 year old are determined by the folks at Blue Cross or Aetna or similar, NOT by the government. You know, competition and the marketplace! Lenin would not be pleased.

The rates for the family of four, with only one fourth the per capita income, is being subsidized by the government, because a lot of us think that making America strong means keeping Americans healthy. Sorry if that offends.

Compare those numbers to the out of pocket with Obamacare. That's how it works in a civilized country. When I have had Insurance in the past and already satisfied my co-insurance and deductible on the year I still paid more a month in co-pays for doctors and -prescriptions than any of them paid for their coverage.

I also recall the old out of network con and the experimental treatment con that they used to steal close to $32,000k from me. And that was after I had already paid them 24k on the year in premiums. If I ever see a health insurance company executive lying on the road dying I will stop and explain why I am not going to help them, before going on my way. Obama wants to force me to do business with these crooks. It isn't going to happen they can take me to jail if they want.
Quote

Originally posted by: Chilcoot
Quote

Originally posted by: pjstroh
You daughter and wife concluded single payer, socilaized medicine was better than Obamacare? Join the club.
As have all the Canadians posting in the Kitchen Sink

tonyrob:
Quote

Originally posted by: tonyrob
We pay $120.50 per month which covers both my wife and I. No deductible. It is the Provincial health program in BC Canada. It covers all doctor visits, emergency treatments, non-elective surgery, eye examination, some physio. It doesn't cover dental. I snapped a tendon in my arm and was in surgery within 4 days. From reading posts here and elsewhere I see that the issue of Private v State is very divided in opinion. I am staying out of the politics of it, just stating how it works here and that the satisfaction level is high.


bkrull7:
Quote

Originally posted by: bkrull7
Yes, I agree with tonyrob, we are lucky in British Columbia. My total health care cost, including all hospital, doctor visits, dental, prescriptions, eye glasses, physio, travel medical insurance, and all with no deductible, is $179 month. My late husband worked for the Provincial Government, so as his widow, I receive all the benefits now. I feel very fortunate!


O2bnVegas:
Quote

Originally posted by: O2bnVegas
My sister has lived in Canada for several decades, raised several kids there, has had nothing but excellent care elective and emergency. Recently her husband had aortic aneurysm graft blow out, multiple hail Mary surgeries, kidney failure, every complication imaginable. Fantastic care from specialists and he has pulled through everything. Yes, that was an emergency for sure, but she never had a complaint about health care elective or emergency. We spent a day with our dad in the ER on a visit in Ontario, he had some arrhythmia, they worked him over, were the nicest bunch you could want to meet (they loved our southern accents). It cost us all of $120 (since he wasn't Canadian citizen). It will never happen in the USA ever, but they have it great (high taxes of course).


NannyD:
Quote

Originally posted by: NannyD
I am extremely glad I live in Ontario Canada & have excellent medical care. Elective surgery does have a wait time but

Necessary surgery is done right away - no cost to citizens. prescription meds over age 65 single person there is a $100.00 charge once per year

If you earn over $16,000.00 Yearly and pay a $6.11 dispensing fee on each Rx. We receive a 3 month supply at one time.



I asked previously in another topic-- forkush says " the rates for the family of four,... is being subsidized by the government" - JUST WHERE are the FUNDS that will be used to "subsidized" the rates being funded coming from? Where are these funds that will be used? Well...? And where did/do they come from...?
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Originally posted by: drmilled
I asked previously in another topic-- forkush says " the rates for the family of four,... is being subsidized by the government" - JUST WHERE are the FUNDS that will be used to "subsidized" the rates being funded coming from? Where are these funds that will be used? Well...? And where did/do they come from...?


The dwindling supply of hard workers(primarily Republicans) will fund it...until the American socialists run out of other people's money. Then the moochers(primarily Democrats) will have to start taking responsibility for their health or suffer the consequences. This assumes that Obamacare will be law for years to come which it will not. It will be repealed in a few years after significant damage to the economy.

I spent a week in Niagara Falls on the Canadian side. Everyone I encountered I asked how they like their healthcare. Everyone had nothing but praise for their socialized medicine. The one thing that was disheartening but true was when I spoke with brother firefighters up there. They hemmed and hawed but finally came clean and said it would most likely not work in the USA. I finally got them to tell me why they felt that way. They said we have a whole segment of society in the US that takes advantage of everything and they would abuse the system to the point that it would fail. I must say I have never seen so much civic pride as I did when I was there. I saw no litter and everything was so clean I couldn't get over it.

Quote

Originally posted by: malibber2
Compare those numbers to the out of pocket with Obamacare. That's how it works in a civilized country. When I have had Insurance in the past and already satisfied my co-insurance and deductible on the year I still paid more a month in co-pays for doctors and -prescriptions than any of them paid for their coverage.

I also recall the old out of network con and the experimental treatment con that they used to steal close to $32,000k from me. And that was after I had already paid them 24k on the year in premiums. If I ever see a health insurance company executive lying on the road dying I will stop and explain why I am not going to help them, before going on my way. Obama wants to force me to do business with these crooks. It isn't going to happen they can take me to jail if they want.
Quote

Originally posted by: Chilcoot
Quote

Originally posted by: pjstroh
You daughter and wife concluded single payer, socilaized medicine was better than Obamacare? Join the club.
As have all the Canadians posting in the Kitchen Sink

tonyrob:
Quote

Originally posted by: tonyrob
We pay $120.50 per month which covers both my wife and I. No deductible. It is the Provincial health program in BC Canada. It covers all doctor visits, emergency treatments, non-elective surgery, eye examination, some physio. It doesn't cover dental. I snapped a tendon in my arm and was in surgery within 4 days. From reading posts here and elsewhere I see that the issue of Private v State is very divided in opinion. I am staying out of the politics of it, just stating how it works here and that the satisfaction level is high.


bkrull7:
Quote

Originally posted by: bkrull7
Yes, I agree with tonyrob, we are lucky in British Columbia. My total health care cost, including all hospital, doctor visits, dental, prescriptions, eye glasses, physio, travel medical insurance, and all with no deductible, is $179 month. My late husband worked for the Provincial Government, so as his widow, I receive all the benefits now. I feel very fortunate!


O2bnVegas:
Quote

Originally posted by: O2bnVegas
My sister has lived in Canada for several decades, raised several kids there, has had nothing but excellent care elective and emergency. Recently her husband had aortic aneurysm graft blow out, multiple hail Mary surgeries, kidney failure, every complication imaginable. Fantastic care from specialists and he has pulled through everything. Yes, that was an emergency for sure, but she never had a complaint about health care elective or emergency. We spent a day with our dad in the ER on a visit in Ontario, he had some arrhythmia, they worked him over, were the nicest bunch you could want to meet (they loved our southern accents). It cost us all of $120 (since he wasn't Canadian citizen). It will never happen in the USA ever, but they have it great (high taxes of course).


NannyD:
Quote

Originally posted by: NannyD
I am extremely glad I live in Ontario Canada & have excellent medical care. Elective surgery does have a wait time but

Necessary surgery is done right away - no cost to citizens. prescription meds over age 65 single person there is a $100.00 charge once per year

If you earn over $16,000.00 Yearly and pay a $6.11 dispensing fee on each Rx. We receive a 3 month supply at one time.




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