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Please Signup...Obamacare

jatki
jatki
Dec 11, 2013
11:52am
Block User
I'm a fan of CR and I get it, their behind the Obamacare thing and I still can't fully wrap my head around it.I think for every cherry picked "success story" about how someone has so greatly benefitted from it, there's probably a hundred of bad storys from it, starting with the millions that have lost their insurance which you always proclaim as junk because the benefits sucked or don't include a twenty dollar pack of birth control pils. PFFFT!, losing Ins. over a pack of cheap pills. Which is why I don't grasp why CR is so on board, they are usually looking out for the consumers best interest. I dunno, maybe they'll be proven right or maybe they'll start changing their tune as reality sets in?

Shoot Mal just shot your hypothetical full of so many holes, if you threw it in the water, it'd sink like a rock.

Quote
Originally posted by: forkushV
Quote
Originally posted by: malibber2
But not very many folks are signing up armed with all that information? BTW NY had the highest rates in the country so when people use that as an example of how much you can save be wary...
Okay dude, how about Florida - for $165 per month???

"Under her current junk plan, she would probably receive no more than a few hundred dollars of benefits for doctor visits and drugs. It wouldn't cover her surgery, her chemotherapy, her many expensive medications, or the repeated diagnostic tests she'd likely require. She would end up with probably $119,000 of unpaid medical bills. With the Humana [Obamacare!] plan, those bills top out at $6,300 a year, no matter what."




hoops2
hoops2
Dec 11, 2013
9:56pm
Block User
5.6m people cancelled; only a few hundred thousand applied but not paid for yet since that part of the site doesn't exist yet. Thousands of applications may be lost. People may think they have insurance come Jan 1 and then find out they don't

They are now verifying by hand if the applications are correct
forkushV
forkushV
Dec 11, 2013
11:44pm
Block User
Quote
Originally posted by: malibber2
...Even if she got a miracle 1-year cure she would still need monitoring which generally consists of PET scans and those will consume that $4,600 every year.
Actually, without insurance she might not need the scans, because dead people don't need them. Haven't your heard? - Being without health insurance increases your chances of deadness.

And if you're claiming that someone who can only pay $1,000 toward $120,000 treatment will get comparable care to someone paying $114,000, you're as simple a a three year-old. And that's being generous.

Don
Don
Dec 12, 2013
2:14am
Block User

TENTH AMENDMENT TO THE CONSTITUTION
X. The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.

The South Carolina Billl H3101 - “The South Carolina Freedom of Health Care Protection Act” - is set to be fast-tracked when the Senate comes back into session in January 2014.
The main segment of the bill says that “No agency of the State, officer or employee of this State, acting on behalf of the state, may engage in an activity that aids any agency in the enforcement of those provisions of the Patient Protection and Affordable Care Act of 2010 and any subsequent federal act that amends the Patient Protection and Affordable Care Act of 2010 that exceed the authority of the United States Constitution.”

Supporters who introduced the law did so on the basis of the concept of state nullification which they claim is part of their 10th Amendment right to state sovereignty under the United States Constitution, and which they claim allows states to deem a federal law null and void inside their borders.

Ref: Ballot News

The Bill was passed by the South Carolina House on 13 May 2013. Given the present debacle that is Obamacare, the delay in introducing it for Senate consideration likely has increased the chance of passage.


"February 9, 1776
Col. Gadsden presented to the [Provincial] Congress [of South Carolina] an elegant standard, such as is to be used by the Commander in Chief of the American Navy, being a yellow field, with a lively representation of a rattlesnake in the middle in the attitude of going to strike and these words underneath, 'Don't tread on me.'
Ordered, that the said standard be carefully preserved and suspended in the Congress room."

forkushV
forkushV
Dec 12, 2013
3:04am
Block User
Quote
Originally posted by: DonDiego
TENTH AMENDMENT TO THE CONSTITUTION
X. The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.

The South Carolina Billl H3101 - “The South Carolina Freedom of Health Care Protection Act” - is set to be fast-tracked when the Senate comes back into session in January 2014.
The main segment of the bill says that “No agency of the State, officer or employee of this State, acting on behalf of the state, may engage in an activity that aids any agency in the enforcement of those provisions of the Patient Protection and Affordable Care Act of 2010 and any subsequent federal act that amends the Patient Protection and Affordable Care Act of 2010 that exceed the authority of the United States Constitution.”

Supporters who introduced the law did so on the basis of the concept of state nullification which they claim is part of their 10th Amendment right to state sovereignty under the United States Constitution, and which they claim allows states to deem a federal law null and void inside their borders.

Ref: Ballot News

The Bill was passed by the South Carolina House on 13 May 2013. Given the present debacle that is Obamacare, the delay in introducing it for Senate consideration likely has increased the chance of passage.


"February 9, 1776
Col. Gadsden presented to the [Provincial] Congress [of South Carolina] an elegant standard, such as is to be used by the Commander in Chief of the American Navy, being a yellow field, with a lively representation of a rattlesnake in the middle in the attitude of going to strike and these words underneath, 'Don't tread on me.'
Ordered, that the said standard be carefully preserved and suspended in the Congress room."
I hear they are going to ban Consumer Reports™ too!
jatki
jatki
Dec 12, 2013
3:33am
Block User
Quote
Originally posted by: forkushV
Quote
Originally posted by: malibber2
...Even if she got a miracle 1-year cure she would still need monitoring which generally consists of PET scans and those will consume that $4,600 every year.
Actually, without insurance she might not need the scans, because dead people don't need them. Haven't your heard? - Being without health insurance increases your chances of deadness.


OMG, it's a Brooke Shields endorsement!



sorry, couldn't resist. Admit a little editing and highlighting there

malibber2
malibber2
Dec 12, 2013
4:40am
Block User
No what I am saying is someone with a 30k a year income and a $4,600 deductible isn't going to go get tests at the hospital when their doctor tells them too because they know they don't have the $4,600. Furthermore imagine making 30k and being told you need these tests at this time of year (December). What a rational person thinks is holy shit I have a $4,600 deductible and if I get the tests in December and find out something is wrong I am going to have to turn around come up with another $4,600 in January. It isn't really hard to figure out why this lady with a 30k a year income doesn't think Obamacare is worth signing up for, and the enrollment numbers seem to indicate there are a lot of folks that think the same way. People are seeing these huge out of pocket costs and saying I'll pay the fine. What is she gonna do to earn the $4,600 turn tricks at the local truck stop?

Oh and I have to say I am just so ashamed I voted for Obama anymore. I am truly disgusted a "Democrat" would come up with a plan that is so bad and even punitive for regular middle class folks. If you don't qualify for the Medicaid Expansion or have at least a six figure income to absorb those high out of pocket costs you are just really screwed with Obamacare. Frankly the plan is an embarrassment, and is going to result in a higher percentage of the population being of uninsured in 2014 and 2015 than prior to its passing. Disgraceful.


Quote
Originally posted by: forkushV
Quote
Originally posted by: malibber2
...Even if she got a miracle 1-year cure she would still need monitoring which generally consists of PET scans and those will consume that $4,600 every year.
Actually, without insurance she might not need the scans, because dead people don't need them. Haven't your heard? - Being without health insurance increases your chances of deadness.

And if you're claiming that someone who can only pay $1,000 toward $120,000 treatment will get comparable care to someone paying $114,000, you're as simple a a three year-old. And that's being generous.


forkushV
forkushV
Dec 12, 2013
8:03am
Block User
Quote
Originally posted by: malibber2
No what I am saying is someone with a 30k a year income and a $4,600 deductible isn't going to go get tests at the hospital when their doctor tells them too because they know they don't have the $4,600...
She will if she wants to live. Then she can explain to her providers that out of the $120,000 required, Obamacare will only pay $114,000 of it.

Oh, and she won't have tests if she doesn't care about living. That you would assume that viewpoint worries me about you, malibber.
malibber2
malibber2
Dec 12, 2013
8:10am
Block User
That's not how it works. Number one you don't get billed for it all at once . Typically they would give you a CT, PET and then perhaps a surgical biopsy to diagnose you. If you show up at the hospital for a CT and PET scan they won't give it to you without paying that big fat $4,600 deductible first. So you never get to the treatment unless you have the $4,600.

Quote
Originally posted by: forkushV
Quote
Originally posted by: malibber2
No what I am saying is someone with a 30k a year income and a $4,600 deductible isn't going to go get tests at the hospital when their doctor tells them too because they know they don't have the $4,600...
She will if she wants to live. Then she can explain to her providers that out of the $120,000 required, Obamacare will only pay $114,000 of it.

Oh, and she won't have tests if she doesn't care about living. That you would assume that viewpoint worries me about you, malibber.


Orderly
Orderly
Dec 12, 2013
9:04am
Block User
Quote
Originally posted by: malibber2
That's not how it works. Number one you don't get billed for it all at once . Typically they would give you a CT, PET and then perhaps a surgical biopsy to diagnose you. If you show up at the hospital for a CT and PET scan they won't give it to you without paying that big fat $4,600 deductible first. So you never get to the treatment unless you have the $4,600.


It's never worked that way for me. I had a $2,000 deductible and had a MRI done on my knee and they didn't ask for anything ahead of time. That took half my deductible, and 6 months later I had hernia surgery which cost 4 or 5 grand. I jut got a bill a month or so later where my portion to pay was just the remainder of my deductible. And when I go to the doctor they never bill me up front, I get it a few weeks later.

Now CO-Payments, at least at the doctor, are required at the time of service.
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