And Obama Thinks This Is Affordable

froggy

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Q: I did the math and it seems like a family of four (two adults age 40) and two children would pay about $12,000 a year in premiums for a silver plan, along with 70 percent of the medical costs and $1000 to $3,000 deductibles. That’s a lot of money. I heard there are limits on how much you have to spend on premiums and out-of-pocket expenses. Can you explain?

A: The law limits the percentage of your income that you have to spend on premiums, as well as the amount you have to spend out-of-pocket on deductibles and cost sharing.

The premium limits vary from 2 percent to 9.5 percent, depending on income. Out-of-pocket expense limit, which changes each year; will be $6,350 for an individual and $12,700 for a family in 2014.

Out-of-pocket expenses include money spent on reaching your deductible and cost sharing (coinsurance and co-pays) but not premium costs. This applies to individual plans sold both inside and outside the exchange.


Q: Can you give me an example of how the out-of-pocket cap works?

A: Say you have a plan with a $2,500 deductible. You fall off your skateboard and break a lot of things you think you might need later on in life.

If you have a “silver” level plan that pays 70 percent, you’ll pay 30 percent of your $50,000 hospital bill — you needed lots of fixing — until you’ve paid out $6,350, which is your (maximum out-of-pocket for the year).

Insurance kicks in at that point. You still have to pay the premiums, but you’re done paying health care expenses — so long as they are for “essential health benefits” — for the year.
 

mudwhistle

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
 
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froggy

froggy

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
And this law doesn't mean you'll not be denied treatment.
 

G.T.

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
yea? When....
 

Sallow

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
yea? When....
We do need a time frame.

This isn't an openended thing.

Give us a date when the US healthcare system will fail.

You might also include the failure criteria.
 

mudwhistle

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
yea? When....
Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
 

G.T.

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I've been through the ringer with a family member since having our new plan which was effective 12/1/13.

I hate the plan. It's a high deductible, no copay but cheaper premium plan.

There was no 23 page anything as mudwhistle described. That's hyperbole.

There was some confusion at every level of administration though, of how the plan works. Even at the insurance company itself(CDPHP).

I never saw a plan that was 30% out of pocket PLUS deductible. The premium must be dirt on that plan because our premium is pretty low, but after our deductible, it's 100% coverage.

I still hate it though.

It wasn't a plan on the exchange, but obv. every plan now complies with the new rules**
 
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G.T.

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
yea? When....
Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
I don't believe them.
 
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froggy

froggy

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.



yea? When....
We do need a time frame.

This isn't an openended thing.

Give us a date when the US healthcare system will fail.

You might also include the failure criteria.
Its coming. do you have to meet a deductible or are you covered under Obamas free plan?
 

mudwhistle

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
yea? When....
We do need a time frame.

This isn't an openended thing.

Give us a date when the US healthcare system will fail.

You might also include the failure criteria.
Dude, it fails when it fails. Maybe sooner than predicted....but Obama wants it to fail.

First time I've ever seen a president that causes so many problems on purpose.

What's worse, he has no solutions.
 

mudwhistle

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yea? When....
Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
I don't believe them.
Obama wants to have the same kind of control over civilians that he has over the military, so you can bet it's going to come down to this.
 

G.T.

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Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
I don't believe them.
Obama wants to have the same kind of control over civilians that he has over the military, so you can bet it's going to come down to this.
Cynical partisan projection. Meaningless.
 

Sallow

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Going to a doctor will change under Obamacare.

When you get there you will be given a 23 page questionnaire and they will ask you for information that has nothing to do with health care. They will also want to know all of your bank account information including credit cards just in case the government doesn't pay for treatment the doctor or insurance company can charge directly to you. Imagine discovering after an accident that your bank account has been cleaned out by God knows who.

Another thing, you can't sue the government, so if your personal information is somehow stolen you can't go after Obama, you have to sue the insurance company that had nothing to do with the theft.

This system is practically designed to fail and will result in a destruction of the health care industry.
yea? When....
Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
Well first off..I have a non-union job in the financial sector. This hasn't affected me at all.

And you still haven't mention what the criteria looks like.

Something like:
-HMOs will fail completely.
-Hospitals will close.
-There will be no way for the average citizen to get health care.

And you keep the time frame open ended. "Some time" this year?

So..lets get down to brass tacks.

When will it "fail" and what will the failure look like?
 

Sallow

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Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
I don't believe them.
Obama wants to have the same kind of control over civilians that he has over the military, so you can bet it's going to come down to this.
And what does this "control" look like?

And to what end?
 

mudwhistle

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yea? When....
Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
Well first off..I have a non-union job in the financial sector. This hasn't affected me at all.

And you still haven't mention what the criteria looks like.

Something like:
-HMOs will fail completely.
-Hospitals will close.
-There will be no way for the average citizen to get health care.

And you keep the time frame open ended. "Some time" this year?

So..lets get down to brass tacks.

When will it "fail" and what will the failure look like?
So because you think it doesn't effect you, you don't care.

Duly noted.

Problem is, what effects millions of Americans will have a ripple effect on everyone. When you walk into your doctor's office you'll discover that they want to know everything about you, and they will want to know if you can pay for your treatment yourself.

I thought the purpose of the ACA was to provide health care to those who don't have it, not take away health care from those who already have it.

And requiring a specific date of when it will fail is a total cop-out on your part. You consider any argument invalid unless they can tell the future in every detail. Nobody knows what exactly will happen in the coming years. We just know that it will be a train-wreck when it happens and it won't hit all at once.
 
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froggy

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yea? When....
Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
Well first off..I have a non-union job in the financial sector. This hasn't affected me at all.

And you still haven't mention what the criteria looks like.

Something like:
-HMOs will fail completely.
-Hospitals will close.
-There will be no way for the average citizen to get health care.

And you keep the time frame open ended. "Some time" this year?

So..lets get down to brass tacks.

When will it "fail" and what will the failure look like?
The biggest fail will be people not being able to afford to go to doctor. And remember subsidiaries wont be there forever.
 

G.T.

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Probably sometime this year.

Then we'll have to wait for who knows how long for these mental deficients to figure out what to do for all of the people they screwed out of their health coverage. Meanwhile, forget about having that surgery done that you've been putting off.

Oh, and some people are already talking about having to give up their gun ownership rights in some states just to get treated. Obamacare will be a way for Democrats to tell us what to do in every part of our lives.
Well first off..I have a non-union job in the financial sector. This hasn't affected me at all.

And you still haven't mention what the criteria looks like.

Something like:
-HMOs will fail completely.
-Hospitals will close.
-There will be no way for the average citizen to get health care.

And you keep the time frame open ended. "Some time" this year?

So..lets get down to brass tacks.

When will it "fail" and what will the failure look like?
The biggest fail will be people not being able to afford to go to doctor. And remember subsidiaries wont be there forever.
The Doctor doesn't cost any different.

If your deductible went up, your premium went down. Probably should be responsible and save the difference and apply it towards deductible expenses.
 
OP
froggy

froggy

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Well first off..I have a non-union job in the financial sector. This hasn't affected me at all.

And you still haven't mention what the criteria looks like.

Something like:
-HMOs will fail completely.
-Hospitals will close.
-There will be no way for the average citizen to get health care.

And you keep the time frame open ended. "Some time" this year?

So..lets get down to brass tacks.

When will it "fail" and what will the failure look like?
The biggest fail will be people not being able to afford to go to doctor. And remember subsidiaries wont be there forever.
The Doctor doesn't cost any different.

If your deductible went up, your premium went down. Probably should be responsible and save the difference and apply it towards deductible expenses.
My premium went down $8.00 wow
 

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