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

[Roadrunner]

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

I had all three of my kids when insurance was not necessary, and a man could pay his bills without it.

 

[hortysir]

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

No

I was told that if I liked my policy and my doctor I could keep them

 

[rightwinger]

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

I had all three of my kids when insurance was not necessary, and a man could pay his bills without it.

When was the last time you had surgery or were in a hospital?

 

[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

No

I was told that if I liked my policy and my doctor I could keep them

Did you?

 

[hortysir]

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?

Option?
When did ACA become optional?

 

[hortysir]

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

No

I was told that if I liked my policy and my doctor I could keep them

Did you?

Liked them both.
Still have doctor, but no more $25 office visits. Now $100, that goes toward my $4000 deductible that used to be $500

 

[Greenbeard]

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?

Option?
When did ACA become optional?

Most people don't buy the highest deductible plans. But you can if you like, they generally have the lowest premiums.

 

[Roadrunner]

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

I had all three of my kids when insurance was not necessary, and a man could pay his bills without it.

When was the last time you had surgery or were in a hospital?

What business is that of yours?

 

[Roadrunner]

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?

Option?
When did ACA become optional?

Most people don't buy the highest deductible plans. But you can if you like, they generally have the lowest premiums.

What to do, what to do?

Go without insurance, and disobey the law, or, buy the plan your monthly income allows, and get jack-shit benefits?

Ain't PP/ACA wonderful!

 

[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.

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

DAKOTACARE · Dakota Reserve 6000
-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: 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

I have no idea what you are after here.

 

[hortysir]

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?

Option?
When did ACA become optional?

Most people don't buy the highest deductible plans. But you can if you like, they generally have the lowest premiums.

My employer pays my premium.
I'm having a hard enough time meeting the deductible, much less adding a monthly expense

 

[Antares]

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

So EVERYBODY should help, good little Socialist Child.

 

[Greenbeard]

What to do, what to do?

Go without insurance, and disobey the law, or, buy the plan your monthly income allows, and get jack-shit benefits?

Ain't PP/ACA wonderful!

If you're in such dire financial straits, the ACA will subsidize your premium (and potentially your cost-sharing as well). Generally you buy a bronze plan because you want to, not because you have to. And it's okay to want to.

 

[Greenbeard]

My employer pays my premium.
I'm having a hard enough time meeting the deductible, much less adding a monthly expense

What's the added monthly expense if you don't pay a premium?

 

[rightwinger]

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

I had all three of my kids when insurance was not necessary, and a man could pay his bills without it.

When was the last time you had surgery or were in a hospital?

What business is that of yours?

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

 

[rightwinger]

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

So EVERYBODY should help, good little Socialist Child.

Insurance pools are socialism at its finest

It is the men in an insurance pool who get the women in an insurance pool pregnant

Why do you think they should pay lower rates?

 

[Antares]

Many people just buy the cheapest they can find.

I will say this not many people bought the

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

So EVERYBODY should help, good little Socialist Child.

Insurance pools are socialism at its finest

It is the men in an insurance pool who get the women in an insurance pool pregnant

Why do you think they should pay lower rates?

I see, and the women bare no responsibility at all........got it.

Apparently you don't don't understand actuarial realities

 

[rightwinger]

Many people just buy the cheapest they can find.

I will say this not many people bought the

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

So EVERYBODY should help, good little Socialist Child.

Insurance pools are socialism at its finest

It is the men in an insurance pool who get the women in an insurance pool pregnant

Why do you think they should pay lower rates?

I see, and the women bare no responsibility at all........got it.

Apparently you don't don't understand actuarial realities

Responsibility?

Like bearing children, caring and nurturing them?

That type of responsibility?

 

[hortysir]

My employer pays my premium.
I'm having a hard enough time meeting the deductible, much less adding a monthly expense

What's the added monthly expense if you don't pay a premium?

If I was to choose to buy a better plan

 

[Roadrunner]

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

I had all three of my kids when insurance was not necessary, and a man could pay his bills without it.

When was the last time you had surgery or were in a hospital?

What business is that of yours?

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.