I had a delightful conversation with a health Insurance company rep this morning

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Originally posted by: pjstroh
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Originally posted by: alanleroyII
Ok..Let me get this straight. We have spent untold billions implementing a new healthcare insurance scheme. Now, the products actually being offered are not being accepted by a large percentage of physicians because doing so will bankrupt them.

Was this an intended feature of Obamacare...that is it's something the Architects planned for or is it a surprise? How does this improve medical care if so many of the actual people doing the real work of medicine decide not to participate? What was the point? Sure PJ can blame the Insurance Companies 'not the law', but doesn't the success of Obamacare depend on, you know....doctors actually participating?

Hey, maybe Fresno is an anomaly. Maybe other areas are more successful. Around here, the largest private doctor groups are opting out. That doesn't bode well for Obamacare in these parts. Spin it any way you want, but the Obamacare enrollees that can't find a doctor or have incredible waits to see a doctor are going to start wondering why they are paying those premiums....subsidized or not.


No, low reimbursement prices was not an intended feature of Obamacare...because Obamacare has NOTHING TO DO WITH IT. Low reimbursement prices are not a feature of Obamacare in any way shape or form. You keep pointing to a "cause-and-effect" relationship between what insurers pay doctors and the ACA which has nothing to do with that process in any way shape or form.

I suspect the insurance companies want to stay in business so they will likely raise their payment rates to doctors in your area in time. I would expect that will be necessary if they want people to buy their plans.
Thats the free market way, isn't it? If you can show me Obamacare interferes with their ability to do this I will concede your point. Otherwise you dont have a point.

The point is ACA cannot be successful without physician participation. Why spend the time and money if the result is millions of newly insured people with without doctors to accept their insurance. Yeah, that's going to be a real winner.


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Originally posted by: forkushV
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Originally posted by: alanleroyII
Ok..Let me get this straight. We have spent untold billions implementing a new healthcare insurance scheme...
Nope, you didn't get that straight, you made it up.

What? The 'billions' or the scheme?

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Originally posted by: forkushV
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Originally posted by: snidely333
If doctors won't accept my obamacare insurance...
The Mayo Clinic accepts Obamacare. The Cleveland Clinic accepts Obamacare. Johns Hopkins accepts Obamacare. UCLA Medical accepts Obamacare.

And a doctor cartel in....Fresno! - doesn't.

Perhaps Forkush can show what percent of doctors accept Obamacare policies vs what was originally forecast. I pointed this article out because it's a big deal here. It's not just the largest private doctor group it's MANY large doctor groups.

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Originally posted by: snidely333
I'm very happy I'm insured by my company sponsored plan via Cigna and I don't have to deal with Obamacare.
Actually, you are "deal[ing] with Obamacare." Obamacare is not a website. It's comprehensive health insurance reform that every health insurance plan in the nation must comply with.

Your "company sponsored plan via Cigna" is part of Obamacare too. Glad to hear you're "very happy".

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Originally posted by: alanleroyII
The point is ACA cannot be successful without physician participation. Why spend the time and money if the result is millions of newly insured people with without doctors to accept their insurance. Yeah, that's going to be a real winner.


And again...you keep pointing to Obamacare as the cause of a symptom that Obamacare has nothing to do with. Physician's dont "participate" with Obamacare. They participate with private insurance companies.

When Tom causes a problem, I blame Tom. AlanLeroy blames Jerry.
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Originally posted by: pjstroh
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Originally posted by: alanleroyII
The point is ACA cannot be successful without physician participation. Why spend the time and money if the result is millions of newly insured people with without doctors to accept their insurance. Yeah, that's going to be a real winner.


And again...you keep pointing to Obamacare as the cause of a symptom that Obamacare has nothing to do with. Physician's dont "participate" with Obamacare. They participate with private insurance companies.

When Tom causes a problem, I blame Tom. AlanLeroy blames Jerry.

When Jerry spends billions on a scheme that depends on Tom not causing problems, I blame Jerry for being stupid. Thanks Jerry.

2,000 page law; 10,000 pages in regulations, which changes everyday that nobody understands & it is the insurance compnay's fault
So much fun hearing right-wing kooks complain how health insurance got complicated this year lol.
It was complicated when it was passed and got increasingly worse as time when on. Conservatives have been saying it was unworkable for 4 years, which the liberals have ignored
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Originally posted by: pjstroh
Insurance companies are free to charge whatever rates they want so long as they dont go beyond 20% profit margins for the care they provide. They can pay a doctor $1000 or $1 for a bandaid. Thats their business..and that was true both before Obamacare and now.

20% profit margin ?


*Net Income Margin [aka Profit Margin] is net income (loss) divided by total revenues.

Holy-Moly! ! ! For the last 5 years healthcare companies have been averaging around 6% profit margins.

Either Obamacare is the best thing to hit the healthcare industry, . . . EVER, . . . or pjstroh has no idea what profit margin means?
DonDiego is betting Obamacare is not the best thing to ever hit the healthcare industry.
DonDiego is supposing that pjstroh is confusing the Obamacare "80/20 medical loss ratio" with a "20% profit margin". If not, . . . poor old DonDiego is gonna start selling health insurance.
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