Any board members enrolled in ACA yet?

[auditor0007]

we all are and it is way cheaper that this crap called obamacare

At $8500 to $8900 per year per every single living person in the US, you're damned right we're paying for it. It is unsustainable and it's destroying our economy. While the ACA is a step in the right direction, it's not going to do much to reduce costs in the long run, although it might stabilize costs somewhat. The biggest problem is that employers are the ones providing the bulk of insurance to everyone. What I do not understand is why employers didn't come out and ask to be let off the hook from this when the law was being written. Instead, it was mandated that employers must provide insurance if they have over 50 employees. Long term we need to get this out of the hands of employers.

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.

A hybrid system that combines government healthcare similar to the NHS in Britain along with privatized options for those who choose would work very well. And no, it's nto $25,000 per year. If it was, we would be spending nearly $8 trillion per year on healthcare instead of $2.8 trillion as is projected for this year.

 

[JakeStarkey]

We have seen "the leave as it was" arguments all over agan and . . . they all fail all over again.

Nothing new.

 

[Amelia]

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 can't get the insurance right away when you need it. So if you have a heart attack or accident and need a lot of help fast you're still on the hook for it.

 

[Papageorgio]

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 can't get the insurance right away when you need it. So if you have a heart attack or accident and need a lot of help fast you're still on the hook for it.

Try telling 20 something's they need insurance, that's why they don't buy it now. Also if it's an auto accident, you are still covered.

 

[auditor0007]

Nearly everyone in our organization takes part in an annual physical--provided as part of their healthcare insurance. Yes we do have some who simply choose not to do it.

You get advice on lowering your cholesterol, becoming more active, watching your weight, monitoring your blood pressure, healthy eating, the famous "10 things to do while watching TV" which is plastered in every break room in our office. If something is discovered, you can get a referral for more intensive treatment.

yearly check-ups do almost nothing if the patient is not following the advise - and that is the most often encountered issue.
people who need treatments with cholesterol or HTN and not doing it by "preventive measures" of yearly check-ups but on a constant regular basis.
Yerly check-ups do not change anything much except those preventive screening I have mentioned.
Those and yearly check-ups were ALWAYS "free" if you were insured. so nothing changed there, no matter how many lies obamacare brainwashing machine produced

Preventative care has to start with our kids. This is a long term change that we must address. It's not something we can or will change overnight. Getting older overweight people to change is not going to happen easily, because you are correct; they have to want to change themselves in order for anything to happen. The sad thing is that most people can make the changes and become much healthier, but they have to want to. We also have to educate people on how to properly lose weight. It's not all about going on a diet. Dieting only reduces your weight; it doesn't keep it off if you don't change lifestyles. In many cases dieting is not even healthy. Exercise is the key to losing weight. Once you've lost the weight, if you continue with regular exercise, you will almost certainly be able to eat more without gaining weight. At 50 years, I eat between 3000 and 3500 calories per day, and I am able to keep my weight below 140 lbs. I'm only 5'7", so that is a very healthy weight for me. How is it that I can eat so much? I have a very active lifestyle. I run 20 to 25 miles per week, and I lift weights a couple of days per week.

 

[auditor0007]

insurance companies pay something like 33 cents per dollar, medicare/medicaid - 17 cents per dollar.
same discrepancy is for the hospitals. that is the reason the bills sent are way overpriced - because nobody is going to pay that amount. it's a game. hospitals are covering for those without insurance and all who have insurance, plus medicaid/medicare are paying for those, which means all of us are.

You guys, probably, don't know this, but unlike the mantra that it is such a big loss for the hospital that uninsured are coming to the ER, the truth is that hospitals are making money only in 2 departments - in the OR and in the ER.

As usual, the lies you are being told are just lies.
Same is pertinent for the lie about nobody being able to enroll for insurance with pre-existing condition before obamacare.
It is the most horrendous lie in all this scum - you were ALWAYS able to enroll. It was a little bit more expensive than the others but not even close to the rates of obamacare exchanges.

Sorry, but you have no idea what you are talking about. Saying people with pre-existing conditions could buy insurance is a very bad half truth. What they could purchase, in most cases, were indemnity plans with a set maximum yearly benefit. I looked into these when I was denied coverage after moving from Colorado to Ohio. I had insurance in Colorado, but because I had a pre-existing condition, I was denied in Ohio. I had been paying about $350 per month in Colorado for a plan with a $2500 deductible. What was offered in Ohio was a plan that cost $900 per month and had a maximum benefit of $75,000 per year after a $5000 deductible. I don't know many people who would even bother thinking about purchasing such a monstrosity of a plan. Would you?

sorry, but it is YOU who have no idea what you are talking about.
I have a friend who has a son with a very serious pre-existing neurological condition - he IS buying a plan for at least 8 years now afor ~400$ per month ( do not know his deductible) and had never had any problems with getting it.
EVER.
obamacare or no obamacare.

So all you can tell is your particular situation, nothing more.
plus what you were offered in Ohio is pretty much a standard under obamacarefor a healthy person, with much higher deductuble ( 13,000, not 5,000)

The max out of pocket under any ACA plan is $6350. The deductible cannot be higher than the max out of pocket. Those of you who are quoting these numbers are either clueless or you are using numbers for the max out of pocket for an entire family. Here is the thing; if you are that sick that your medical bills are that high every year, then you need to pay for a gold plan that is going to be very expensive. The reason these plans are not inexpensive is because healthcare is not inexpensive. When most of you talk about insurance costs, you think about how much you pay for your employer provided insurance. You ignore the fact that in many cases, you are only paying 20% of the actual cost and your employer is picking up the rest.

As for your friend, I doubt his policy was purchased privately. He could have gotten his kid on through an employer based plan. In most states, if you are self-employed you can get health insurance if you also provide that health insurance benefit to at least one other employee.

 

[auditor0007]

Looks pretty simple. And to the uninformed, it may very well be. However insurance is only good when you use it.
The gaps in coverage are the issue. As well as the cost.
Most people will choose the cheapest or bronze plan. This plan covers just 60% of medical bills.

The Bronze Plan works fine for me. It may not be the best plan for everyone, but for me it works great. I'm looking at a plan that costs $300 per month and allows for an HSA. So now I will set aside at least as much money as I have been spending out of pocket every year anyway, which is between $1200 and $1500. My yearly physical is covered and things like colonoscopies are covered which I need every five years. I'm on no medication and likely won't need any for a very long time. So my overall costs per year to cover my insurance and all of my medical bills will be about $5000 which is what I'm paying now. The key is that if something goes very wrong such as me having a heart attack or getting cancer, then I am covered. Yes, under those circumstances I would end up spending another $5000 or so in that year, but so what?

Those who are on a lot of expensive meds are the ones who are going to be paying much more, either out of pocket or by purchasing a much more expensive plan.

First, ACA makes no allowance for HSA's.
Second, you may feel quite comfy with a $5000 deductible and an additional $5,000 in out of pocket expenses, buy most of us are rich guys like you who have that kind of cash laying around.
I have to laugh at your side...You whine that those living paycheck to paycheck needing Obamacare then to state that even with the plan out of pocket expenses can rage in the thousands.

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.

 

[JakeStarkey]

Well, well, well.

 

[auditor0007]

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

 

[auditor0007]

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 can't get the insurance right away when you need it. So if you have a heart attack or accident and need a lot of help fast you're still on the hook for it.

Try telling 20 something's they need insurance, that's why they don't buy it now. Also if it's an auto accident, you are still covered.

I agree that it will be difficult to convince many young people that they should purchase insurance. This is why I believe that medical providers should be able to deny treatment if a person willingly chooses not to purchase insurance when they had the ability to do so. Knowing this would likely change some people's minds about purchasing insurance. As it stands now, they figure they'll still get treated if they get sick, and someone else will pick up the bill.

 

[RDD_1210]

Government is the only thing crippling the economy. Government is the main reason medical care is so expensive.

Haha you would believe some stupid shit like this. You couldn't more of a corporate sheep.

Oh? Please provide and example where a large central planning type government was able to tax the population into prosperity.
Give examples of nations which nationalized private industry and with that turned a nation of poverty into one of prosperity.

Australia. You're welcome.

 

[Montrovant]

I've been to the healthcare.gov site numerous times now, using multiple browsers on different computers, and I still can barely get anywhere. It usually just loads an empty page at some point.

Perhaps at some point I'll actually find out about getting insurance, or maybe I won't because I think I am excepted.

 

[thereisnospoon]

The Bronze Plan works fine for me. It may not be the best plan for everyone, but for me it works great. I'm looking at a plan that costs $300 per month and allows for an HSA. So now I will set aside at least as much money as I have been spending out of pocket every year anyway, which is between $1200 and $1500. My yearly physical is covered and things like colonoscopies are covered which I need every five years. I'm on no medication and likely won't need any for a very long time. So my overall costs per year to cover my insurance and all of my medical bills will be about $5000 which is what I'm paying now. The key is that if something goes very wrong such as me having a heart attack or getting cancer, then I am covered. Yes, under those circumstances I would end up spending another $5000 or so in that year, but so what?

Those who are on a lot of expensive meds are the ones who are going to be paying much more, either out of pocket or by purchasing a much more expensive plan.

First, ACA makes no allowance for HSA's.
Second, you may feel quite comfy with a $5000 deductible and an additional $5,000 in out of pocket expenses, buy most of us are rich guys like you who have that kind of cash laying around.
I have to laugh at your side...You whine that those living paycheck to paycheck needing Obamacare then to state that even with the plan out of pocket expenses can rage in the thousands.

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.

 

[thereisnospoon]

Haha you would believe some stupid shit like this. You couldn't more of a corporate sheep.

Oh? Please provide and example where a large central planning type government was able to tax the population into prosperity.
Give examples of nations which nationalized private industry and with that turned a nation of poverty into one of prosperity.

Australia. You're welcome.

I said GIVE EXAMPLES....WHAT was done in Australia? Give a detailed explanation of their process and results.

 

[Smilebong]

That was the only reason? Of course not

Many were cut off when they got sick.

So many were simply not allowed it because of a pre-existing condition, which is not the case now. That will never change even if ACA goes away.

The industry got filthy rich by denying sick people insurance and making it overall very expensive.

It is illegal to cancel someone's health insurance simply because "They got sick."

And your "pre-existing condition" is the exact reason I gave. It is only good businness sense that denies insurance to people for pre-existing conditions.

So you have absolutely nothing.

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.

 

[Smilebong]

we all are and it is way cheaper that this crap called obamacare

At $8500 to $8900 per year per every single living person in the US, you're damned right we're paying for it. It is unsustainable and it's destroying our economy. While the ACA is a step in the right direction, it's not going to do much to reduce costs in the long run, although it might stabilize costs somewhat. The biggest problem is that employers are the ones providing the bulk of insurance to everyone. What I do not understand is why employers didn't come out and ask to be let off the hook from this when the law was being written. Instead, it was mandated that employers must provide insurance if they have over 50 employees. Long term we need to get this out of the hands of employers.

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.

 

[RDD_1210]

Oh? Please provide and example where a large central planning type government was able to tax the population into prosperity.
Give examples of nations which nationalized private industry and with that turned a nation of poverty into one of prosperity.

Australia. You're welcome.

I said GIVE EXAMPLES....WHAT was done in Australia? Give a detailed explanation of their process and results.

I know better than to waste my time with you. You have no interest in actually discussing. We've done this before and you disappear without a trace as soon as you're shown to be wrong.

I'll tell you the canned nutter response..."I'm not doing your research".

 

[JakeStarkey]

It is illegal to cancel someone's health insurance simply because "They got sick."

And your "pre-existing condition" is the exact reason I gave. It is only good businness sense that denies insurance to people for pre-existing conditions.

So you have absolutely nothing.

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.

http://www.darkdaily.com/health-insurers-cancel-policies-of-sick-patients#axzz2iChLiW5N 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 http://www.darkdaily.com/health-insurers-cancel-policies-of-sick-patients#ixzz2iChVSm76

 

[driveby]

At $8500 to $8900 per year per every single living person in the US, you're damned right we're paying for it. It is unsustainable and it's destroying our economy. While the ACA is a step in the right direction, it's not going to do much to reduce costs in the long run, although it might stabilize costs somewhat. The biggest problem is that employers are the ones providing the bulk of insurance to everyone. What I do not understand is why employers didn't come out and ask to be let off the hook from this when the law was being written. Instead, it was mandated that employers must provide insurance if they have over 50 employees. Long term we need to get this out of the hands of employers.

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.

Wait until the employer mandate kicks in, that's when the real shit is going to hit the fan. Every employer plan will be required to meet the gubmint mandate, costs will sky rocket, employers start dumping employees to the exchanges, just like the democrats planned......

 

[Hoffstra]

all of us who have health insurance are now affected by the ACA.