Is a $5,000 deductible Obamacare policy fair to the poor?

[JoeMoma]

That is what we used to call "catastrophic coverage".

We can still call it that. Not sure what you're getting at--do you think the option to buy it should be taken away?

Catastrophic coverage if done right is relatively cheap. If coupled with a health saving account, it makes for a great plan for most relatively heathy people.

 

[gallantwarrior]

We need to get back to pay-as-you-go/barter for service concepts. It wasn't until the pay-anything insurance bullshit was instituted that healthcare in this country became unaffordable. Coinciding with the idea that physicians entered the profession in service to others and less as a service to their personal bottom line.

 

[Roadrunner]

Been free by the handful at Planned Parenthood for decades

Free? Now I know you're joking

PP does not charge for condoms as far as I know.

 

[Roadrunner]

We need to get back to pay-as-you-go/barter for service concepts. It wasn't until the pay-anything insurance bullshit was instituted that healthcare in this country became unaffordable. Coinciding with the idea that physicians entered the profession in service to others and less as a service to their personal bottom line.

My uncle too cash, chickens, vegetables, cleaned fish, game and lots of watermelons.

Man, we ate good the years we lived next door to him.

Good country food!!!

 

[gallantwarrior]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

 

[Roadrunner]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

 

[JoeMoma]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Paying cash can cut the doctor's bill in half if not by more. Cash upon delivery for medical services are preferred to paying for staff to work wth collecting from insurance companies that might not pay for several months.

 

[Care4all]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

 

[Roadrunner]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

I can only go by what she tells me.

I did not pry into her details.

All I know is she is black, unhappy, and feels betrayed.

I am not interfering with that, perhaps next time she votes on issues, not race or heaven help us, gender.

 

[DarkFury]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

How the government sold three levels of care being equal to all I will never know. Oh I FORGOT! They NEVER read it!

 

[MeBelle]

Been free by the handful at Planned Parenthood for decades

Free? Now I know you're joking

PP does not charge for condoms as far as I know.

True,
Nothing is free.

Planned Parenthood - Wikipedia the free encyclopedia

 

[Antares]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

 

[rightwinger]

That is part of belonging to an insurance pool

Some conditions may apply to you, others may not

"I don't want pregnant women in my pool" is not an option

I never paid for it before, when I could shop for insurance and pick and choose my options it worked very well. Now, I pay higher rates because I'm in a pool and pay part of my taxes to help subsidize those in the pool that increase the costs.

You are free to buy any insurance on the open market that you please. Why don't you buy an individual policy?

Blocking women from an insurance pool because they may get pregnant is not in our countries best interests

ALL plans now include Maternity, it is one of the ten required coverages, even the single males plans covers it.

As it should be

Single women can't get pregnant without single males

You think they should pay less for coverage?

How much does a condom cost?

What does that have to do with the cost of women's health insurance?

Do you think women should have to pay more for their insurance?

 

[jon_berzerk]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

certainly not

it is cruel

obamacares already figured out what they can afford to pay

according to their income

so they pay 50 - a hundred maybe 150 dollars month for a premium

with nothing left over to pay for deductibles or co pays for office visits

the ones that really reap the benefit of obamacares is the big insurance companies

besides taking every available dollar from the poor ( pay or face serious consequences from the government)

big insurance gets several hundred dollars in subsidies for each of those poor folks enrolled

 

[Roadrunner]

I never paid for it before, when I could shop for insurance and pick and choose my options it worked very well. Now, I pay higher rates because I'm in a pool and pay part of my taxes to help subsidize those in the pool that increase the costs.

You are free to buy any insurance on the open market that you please. Why don't you buy an individual policy?

Blocking women from an insurance pool because they may get pregnant is not in our countries best interests

ALL plans now include Maternity, it is one of the ten required coverages, even the single males plans covers it.

As it should be

Single women can't get pregnant without single males

You think they should pay less for coverage?

How much does a condom cost?

What does that have to do with the cost of women's health insurance?

Do you think women should have to pay more for their insurance?

Only if it is demonstrated their costs are significantly more.

 

[JakeStarkey]

The following is sheer propaganda that is not true: " Force a piece of shit mandate that forces people to buy something they can't afford to buy, much less afford to use, so that you can use it as an excuse to force through universal health care!?! You're putting people into poverty so you can score a political victory!?!"

You are substituting your emotions for facts.

 

[jon_berzerk]

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
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• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
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• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:40% Coinsurance after deductible
• Specialist doctor:40% Coinsurance after deductible
• Emergency room care:40% Coinsurance after deductible
• Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

 

[rightwinger]

yes i love the maternity coverage....i am 61 and the hubby had a vas years ago.....33 to be exact

If you are 61, you are benefitting much more from the insurance pool than a 25 year old woman

Think of all the people complaining about your coverage

Would you rather go on the open insurance market as a 61 year old woman or a 25 year old woman?

 

[rightwinger]

You are free to buy any insurance on the open market that you please. Why don't you buy an individual policy?

Blocking women from an insurance pool because they may get pregnant is not in our countries best interests

ALL plans now include Maternity, it is one of the ten required coverages, even the single males plans covers it.

As it should be

Single women can't get pregnant without single males

You think they should pay less for coverage?

How much does a condom cost?

What does that have to do with the cost of women's health insurance?

Do you think women should have to pay more for their insurance?

Only if it is demonstrated their costs are significantly more.

They are.....women get pregnant

Guess who gets them pregnant? The same ones you believe should pay lower rates

 

[dblack]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

So that's the whole fucking plan?! Force a piece of shit mandate that forces people to buy something they can't afford to buy, much less afford to use, so that you can use it as an excuse to force through universal health care!?! You're putting people into poverty so you can score a political victory!?!

That's the way they play. Many of them are proud of it. ACA is extortion.