Any board members enrolled in ACA yet?

[MeBelle]

except NOW it is up to 25,000K per year.
and this crap obamacare is set up to get the employer-based plans dumped starting 2018,so your wish will come true, but it will NOT be a benefit for the Americans.

And if you think that universal system might be a savior I got news for you - under single-payer government system people with the the problems like you described, might never become eligible for liver transplant timely enough.

I agree that it is crap. Where did you hear the statement about Employer based plans being dumped? Do you have documentation? I can't believe that.

I think this is what Vox is referring to:

Starting in 2018, the law imposes a steep tax on employer plans with premiums exceeding $10,200 for an individual and $27,500 for a family -- plans that are typically offered to high-wage earners. (In contrast, average annual premiums for employer-sponsored coverage are $5,615 for single coverage and $15,745 for a family, according to the Kaiser Family Foundation and Health Research & Educational Trust.)
HEALTH REFORM: Expect Pluses, Minuses for Those With Job-Based Coverage - iVillage
http://healthaffairs.org/blog/2013/09/20/health-policy-brief-the-cadillac-tax/

 

[MeBelle]

With the new rules in place, you will be taxed an extra $95 next year if you don't carry health insurance. Of course it is supposed to go up every year after that.

So, under that law, why would one carry insurance, unless they needed it, and then drop it when they don't? Just asking. Why would one do anything else?

You cannot just get insurance once you get sick. Enrollment periods will only be from Oct 15th to Dec 7th following the initial enrollment period. So if you decide you're just going to buy insurance if you get sick, you better hope you get sick between Oct 15th and Dec 7th. Otherwise you will wait a good nine to ten months before they will allow you to purchase a plan.

Can I just sign up for Obamacare once I'm sick? - Oct. 9, 2013

Almost correct.

From your link:

If a person misses that deadline, they can still get health insurance next year, though they won't be eligible for an exchange policy or a subsidy. People can enroll in individual policies outside of the exchanges at any time.

 

[MeBelle]

It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients

Read more: It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily

It is true...why?

For example, because a Texas nurse failed to disclose a visit to the dermatologist for acne, her insurance coverage was dropped when she was diagnosed with breast cancer.

A Los Angeles woman was dropped for failing to report a weight-loss medication she no longer takes and because of irregular menstruation.

Seems like a personal responsibility thing to me and was part of their insurance contract to disclose changes.

This is one of those things that make one go especially the nurse!
WTH does acne have to do with breast cancer?

 

[Smilebong]

Insurance companies have a long history of canceling people's insurance when they get sick. While they could not do it if you had employer based insurance, people with private plans were treated very differently. Most of the HIPAA laws did not pertain to those with individual or private plans. I lost my insurance a few years ago. In my situation, I had to move to a different state, but I had always been insured with a private plan. During the time that I had that plan, I was diagnosed with cirrhosis of the liver due to Hemochromatosis. When I moved, they said they could no longer insure me. I even applied with Anthem BCBS, the same company I had my insurance through when I was in Colorado. They are different companies with the same parent company, but they refused me insurance even though I had been with them for years.

No they don't.

I know. I know HIPAA. I know Insurance.

Each State regulates its own Insurance. And when you move from one state to another, you have to buy new Innsurance. That is just the way it is. I am sorry that you got your insurnace cancelled, but it is not a long history of cancelling people's insurance when they get sick.

It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients

Read more: It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily

OK, [MENTION=20412]JakeStarkey[/MENTION]

Let's quote your story.

"rescission policies are used to terminate people who lie on their applications to get coverage"

So, are you saying that people should be allowed to lie on insurance applications to get coverage?

Did you read the story?


You still have nothing. Insurance companies do not cancel people's insurance JUST BECAUSE THEY GET SICK.

You sound like a typical liberal, using absolutely nothing to defend your position.

 

[jon_berzerk]

state by state comparisons

of insurance costs before and after obamacare

http://theconservativetreehouse.files.wordpress.com/2013/10/obamacare-cost-comparison-chart.jpg

 

[JakeStarkey]

No they don't.

I know. I know HIPAA. I know Insurance.

Each State regulates its own Insurance. And when you move from one state to another, you have to buy new Innsurance. That is just the way it is. I am sorry that you got your insurnace cancelled, but it is not a long history of cancelling people's insurance when they get sick.

It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients

Read more: It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily

OK, [MENTION=20412]JakeStarkey[/MENTION] Let's quote your story. "rescission policies are used to terminate people who lie on their applications to get coverage" So, are you saying that people should be allowed to lie on insurance applications to get coverage? Did you read the story? You still have nothing. Insurance companies do not cancel people's insurance JUST BECAUSE THEY GET SICK. You sound like a typical liberal, using absolutely nothing to defend your position.

You did not read the whole story obviously. Any contract entered into fraudulently can be cancelled, but that is not what we are talking about, is it?

Your red herring stinks as badly as it is inaccurate.

Yes, companies have cancelled policies because people get sick. No way around it.

Now they can never do that and they can never deny cover because of pre-existing conditions.

Oh, well.

 

[thereisnospoon]

Yes, some ACA plans do allow for HSA's. Go to the site and check it out. As for the cost of insurance, I laugh at you guys who want to deny coverage to anyone who gets sick but does not understand that person may be you some day. The biggest thing I have to laugh about is that so many of you have so little understanding of how much health care really costs. You guys are just oblivious. This is why we need to have this conversation, so that at some point we can figure out how we are going to reduce those costs. Who the hell can afford $9000 per year? That's about what it costs for every single person. That means if you have a family of four, your burden on the system is $36,000 per year. Don't any of you understand how absurd that is?

Look at these numbers. The total cost per year per person is just under $9000 per year. For every single person living in the US, you need to multiply that times the 78 years that we are expected to live. That comes to $700,000 over a person's lifetime. To pay for that, the person would have to pay for it during their working years, so let's say 45 years. To pay that off in 45 years means paying over $15,000 per year during the 45 working years. Now, consider that we have ten to fifteen percent or more of the population who never really work or are only able to work a limited number of years, and all of a sudden, the cost jumps even higher. These numbers are mind boggling, but you don't know how anyone can afford a $5000 deductible, and you are against universal healthcare even if it would cut our costs in half.

If you would ever take a serious look at the numbers, you would have a better understanding of why we need to make some drastic changes. This is completely unsustainable but a lot of you want to take us back to a time when if you couldn't afford it, you just died at home of something that was easily curable.

The operative being "some"...
Universal health insurance would cut our costs in half....How?
The money HAS to come from somewhere. The cost to treat, cost to produce new medicines, new technologies, cost to educate, cost to build ...etc...All costs continue to rise. The thought that the cost( price) to consumers would remain stagnant is unrealistic.
Therefore prices to consumers MUST rise accordingly.
The control of 'cost' in ACA is a myth.
ACA is a temporary price control mandated by government.
Check your history. In all instances where government attempted price controls, the ultimate result was disaster.
The first sign in these situations was the mandating of rationing. If wages for medical professionals are to be controlled, then fewer people would find it feasible to go to medical school because their earnings would not cover the cost of education and insurance. Obviously this would create a shortage of medical professionals. As with Canada, the US would have to import doctors and other specialists from overseas. No one could guarantee the quality of their education and qualifications.
If for example, government mandated price controls on gasoline and the consumer did not pay enough so that the price covered the cost to produce, the producer would have to ration its product in order to control costs. The second reaction is a shut down or production because it is cheaper to cease production rather than suffer financial damage that the price controls cause.
The same thing would occur with medical equipment companies, pharmaceutical companies and all others tied to the health industry.
Government can sustain price controls for only so long.

Look, here is a fact, and it's just one of many. In the US, it costs between $75,000 and $100,000 for a hip replacement. Go to Brussels and you can get that hip replacement for under $15,000. Yes, something is drastically wrong with our system of healthcare, and yes, if we are serious about addressing this, costs can and will come down.

http://www.nytimes.com/2013/08/04/health/for-medical-tourists-simple-math.html?_r=0

Ok. One must question the methods of pricing for joint replacement.
But here you use an example of market pricing.
The ACA does nothing to address this.

 

[thereisnospoon]

Yeah, pill therapy, that's the ticket, that's not preventative, that's masking but that's an issue for another thread.

Pill therapy helps control disease...

Sure does. I havee the cholesteral numbers of a 20 yr old athlete.

HOWEVER as far as doctors and insurance companies are concerned,
I STILL am suffering from hyperlipidosis and that is a pre existing condition.

any real rating of risk doesnt take pill therapy into account. Even if its working.
Prozac same deal.. As far as medicine is concerned ----- you are still a depression case that costs time and mmoney..

It's amazing though the proliferation of pill popping, don't you think?
On tv there is a pill commercial for every malady known to mankind.
And the disclaimers are equally frightening.
Pass.

 

[flacaltenn]

It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients

Read more: It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily

It is true...why?

For example, because a Texas nurse failed to disclose a visit to the dermatologist for acne, her insurance coverage was dropped when she was diagnosed with breast cancer.

A Los Angeles woman was dropped for failing to report a weight-loss medication she no longer takes and because of irregular menstruation.

Seems like a personal responsibility thing to me and was part of their insurance contract to disclose changes.

This is one of those things that make one go especially the nurse!
WTH does acne have to do with breast cancer?

Gotta tell you. The companies need BETTER excuses than those to justify dropping you for an unrelated sickness.

I was diagnosed with kidney cancer.. It's in my records. After removal and biopsy it was all benign.. TECHNICALLY --- i need to report that cancer diagnosis?? Bull..

Or the prescriptions a doc wrote for over the counter equivalents of heatburn meds?
That's a little too much reporting.. For every flu shot? Every code your Doc enters when you discuss something with him that ends up NOT BEING TREATED???

Not willing to detail my med history THAT much... To ANYBODY. (except that I just told the world)

BESIDES --- I give them permission to acess my med records.. Expecting the patient to remember and understand those pages of records is not reasonable. They can just review them themselves and ask ME or the doctors for clarifications..

 

[JakeStarkey]

No they don't.

I know. I know HIPAA. I know Insurance.

Each State regulates its own Insurance. And when you move from one state to another, you have to buy new Innsurance. That is just the way it is. I am sorry that you got your insurnace cancelled, but it is not a long history of cancelling people's insurance when they get sick.

It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients

Read more: It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily

OK, [MENTION=20412]JakeStarkey[/MENTION]

Let's quote your story.

"rescission policies are used to terminate people who lie on their applications to get coverage"

So, are you saying that people should be allowed to lie on insurance applications to get coverage?

Did you read the story?


You still have nothing. Insurance companies do not cancel people's insurance JUST BECAUSE THEY GET SICK.

You sound like a typical liberal, using absolutely nothing to defend your position.

Yes, they have, the evidence has been posted, and argue all you want.

 

[CrusaderFrank]

No they don't.

I know. I know HIPAA. I know Insurance.

Each State regulates its own Insurance. And when you move from one state to another, you have to buy new Innsurance. That is just the way it is. I am sorry that you got your insurnace cancelled, but it is not a long history of cancelling people's insurance when they get sick.

It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients

Read more: It’s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily It?s True! Health Insurers Tell Congress They Cancel Policies of Sick Patients | Dark Daily

OK, [MENTION=20412]JakeStarkey[/MENTION]

Let's quote your story.

"rescission policies are used to terminate people who lie on their applications to get coverage"

So, are you saying that people should be allowed to lie on insurance applications to get coverage?

Did you read the story?


You still have nothing. Insurance companies do not cancel people's insurance JUST BECAUSE THEY GET SICK.

You sound like a typical liberal, using absolutely nothing to defend your position.

Starkey works for the Obama Administration, he's a Public Information Advocate