High Deductibles Force Many to Opt Out of Obamacare

[Arianrhod]

What good is insurance if no doctor will take it.

Kindly present evidence that doctors are refusing to accept insurers such as BC/BS, etc.

Or just do the little speech about your sister again.

 

[MizMolly]

If we had a huge hospital bill, we could not afford to pay it anyway. I don't know too many people who can. The $300 a month policy only covers a visit to the doc, why pay that much per year when I only go once a year. If I needed emergency care, Obamacare doesn't cover it.

 

[Arianrhod]

If we had a huge hospital bill, we could not afford to pay it anyway. I don't know too many people who can. The $300 a month policy only covers a visit to the doc, why pay that much per year when I only go once a year. If I needed emergency care, Obamacare doesn't cover it.

Who's your insurer?

 

[MizMolly]

I don't have insurance because I cannot afford Obamacare. It costs $300 a month, which does not even cover emergency room visits or tests, just doctor visits. I only see the doc once a year for check ups. Even if I had a huge hospital bill I could not afford to pay the $12,000 deductable.

 

[Arianrhod]

I don't have insurance because I cannot afford Obamacare. It costs $300 a month, which does not even cover emergency room visits or tests, just doctor visits. I only see the doc once a year for check ups. Even if I had a huge hospital bill I could not afford to pay the $12,000 deductable.

Your first mistake is in failing to understand that there is no insurance called Obamacare. What is the source for the rest of the "information" in your post?

 

[MizMolly]

We filled out the application for the 2016 Affordable Care. The lowest level is the Bronze level, which is where we got the information. My husband did the online application.

 

[MizMolly]

I have had interviews for full time jobs so hopefully I will be hired for one. The insurance they offer is so much better, lower rates, better coverage. Part time jobs offer crappy insurance.

 

[Arianrhod]

I have had interviews for full time jobs so hopefully I will be hired for one. The insurance they offer is so much better, lower rates, better coverage. Part time jobs offer crappy insurance.

Many employers offer none at all. While you're waiting, check this out:

Subsidy Calculator Widget

 

[MizMolly]

I have had interviews for full time jobs so hopefully I will be hired for one. The insurance they offer is so much better, lower rates, better coverage. Part time jobs offer crappy insurance.

Many employers offer none at all. While you're waiting, check this out:

Subsidy Calculator Widget

Thanks

 

[dblack]

Still doesn't answer the question.

The only answer you'd accept would require either psychic powers or the assumption that "every law is evil." I don't possess the first and I don't subscribe to the latter.

Any attempt at an answer would be preferable to all the dodging. I'm not, as you keep saying, of the opinion that all regulation is bad. But I'm asking how this regulation is different than the other regulation that you acknowledged just made things worse. You don't seem to know.

I wouldn't support single-payer, but it would be better than the ACA shitshow.

So the only thing you'll support is the standard "there was nothing wrong with the way it was" canard.

Unless you're prepared to outline a workable plan, and I doubt you can or will.

Nope. That's your strawman. The real issue is that we can't agree on what problem needs solving. In my view, the problem with the health care market is that it's wildly distorted and inflated (largely, by too much insurance coverage). Prices are artificially high because of decades of bad policy. The first thing I'd do is correct that problem by remove the incentives and mandates that cause too much reliance on insurance.

You presented the data that supports my opinion (see post #84)

Nope. Your contention is "if it's government, it must be bad." Have you always felt that way, or only since January '09?

I don't feel that way now. My observation is that economic regulation is usually co-opted by the very interests it regulates for their own purposes - usually power and profit. I've held that opinion since the early eighties - and seen very little evidence that contradicts it.

 

[Slyhunter]

What good is insurance if no doctor will take it.

Kindly present evidence that doctors are refusing to accept insurers such as BC/BS, etc.

Or just do the little speech about your sister again.

I drive Medicaid and Medicare patients to their doctor appointments.
I make good money doing it.
I have to take dental appointments from Cocoa to Orlando and get paid 60 bucks for doing so because no local Dentist will take the insurances these people have.
I have to take some people as far away as the other coast, in Tampa, or south to Miami because that's the closest doctor they could find that would accept their insurance.

These insurance companies are saving money by being to cheap for the local doctors yet they are willing to pay me over $300 to take a patient to Miami to save a few bucks.

And that's just my cut, my boss gets a cut, my dispatcher gets a cut, everyone gets a cut.

 

[Greenbeard]

If we had a huge hospital bill, we could not afford to pay it anyway. I don't know too many people who can. The $300 a month policy only covers a visit to the doc, why pay that much per year when I only go once a year. If I needed emergency care, Obamacare doesn't cover it.

Your share of that hospital bill would be capped at $6-7K (less if you've already made other out-of-pocket health expenditures). If that's too much, what do you think your share of the expense should be?

It sounds like you want a low or no deductible plan, with low or no premiums. That's the single-payer route. Our system is currently moving more in the market direction, which means greater financial responsibility for the patient at the point of care.

 

[Arianrhod]

What good is insurance if no doctor will take it.

Kindly present evidence that doctors are refusing to accept insurers such as BC/BS, etc.

Or just do the little speech about your sister again.

I drive Medicaid and Medicare patients to their doctor appointments.
I make good money doing it.
I have to take dental appointments from Cocoa to Orlando and get paid 60 bucks for doing so because no local Dentist will take the insurances these people have.
I have to take some people as far away as the other coast, in Tampa, or south to Miami because that's the closest doctor they could find that would accept their insurance.

These insurance companies are saving money by being to cheap for the local doctors yet they are willing to pay me over $300 to take a patient to Miami to save a few bucks.

And that's just my cut, my boss gets a cut, my dispatcher gets a cut, everyone gets a cut.

So you're talking about (A) Medicare/Medicaid and (B) dental insurance.

Certain doctors (particularly in a market like Miami) have always refused Medicare and/or Medicaid patients. That's not the same as refusing private insurance, which was your original claim.

Dental insurance is an add-on to a basic health insurance plan. The patient has to pay an additional premium. Also something that didn't suddenly change effective January 2014.

If there are any problems with the PPACA in Florida, you can look to your governor, who not only refused to set up a state exchange and accept the Medicaid expansion, but who recently gutted services to 9,000 disabled kids.

 

[EdwardBaiamonte]

Our system is currently moving more in the market direction.

What planet are you on. Obamacommiecare is a massive step toward single payer communism!! Why do you think Republicans oppose it?? Why do you think Carson said it was worst thing since slavery. Do you understand now?

 

[Arianrhod]

Our system is currently moving more in the market direction.

What planet are you on.

The planet of facts. You should visit sometime.

 

[EdwardBaiamonte]

Our system is currently moving more in the market direction.

What planet are you on.

The planet of facts. You should visit sometime.

name the fact or admit you lack the IQ to be here, liberal!!

 

[Arianrhod]

Our system is currently moving more in the market direction.

What planet are you on.

The planet of facts. You should visit sometime.

name the fact

There are a multiplicity of facts. Just knowing their names is not helpful.

 

[EdwardBaiamonte]

Our system is currently moving more in the market direction.

What planet are you on.

The planet of facts. You should visit sometime.

name the fact

There are a multiplicity of facts. Just knowing their names is not helpful.

translation: I'm a stupid liberal socialist and am afraid to defend
my position!

 

[Arianrhod]

I'm a stupid liberal socialist and am afraid to defend
my position!

They say the first step is admitting you have a problem. Since you've been brave, I'll be nice to you. Tell me which fact you were referring to in Post #116 and I'll be happy to help you with it.

 

[Greenbeard]

What planet are you on. Obamacommiecare is a massive step toward single payer communism!!

What "single payer communism" system has high deductible plans?