Posted on 12/02/2016 5:59:48 AM PST by Kaslin
I would have to pay $658 for a silver plan with a $6300 deductible before I get service. That kind of money not long ago would pay for rent, how is that workable to average Americans?
In my case, both COBRA and the cheapest exchange plan was ridiculously expensive because all but two insurers pulled out of the state exchange. No competition.
They’re literally trying to force me to go on Medicaid. It’s the most demoralizing thing in the world. I can’t bring myself to hit the button on the damn website. Waiting on a call back from a broker to see if I can just get short term insurance and pray the GOP kills this horrible thing in January.
If the GOP was bluffing this whole time just to enrich themselves, they can KMA and I’ll work to primary every single one of them.
The “remedial bill” for 2017 should immediately cancel any Obamacare penalties for people who refused to sign up during the open enrollment period that began November 1st.
It is the task of the congress to sort it out.
You should make suggestions to your congressman.
This may sound like a very conservative position to take, but I say this because the definition of "pre-existing condition" can be very hazy, and because disqualifications for pre-existing conditions can tie people down in an existing job or life situation that may not work for them in any other way.
In exchange for this requirement, I would allow insurance companies to go back to the days when they could impose lifetime caps on their coverage. Without at least one of these (denial of coverage for existing conditions, or lifetime caps on coverage), there's simply no way for an insurance company to accurately price the risk in their coverage.
BTW, Cruz’s stupid H1-B visa stunt cost a lot of people their jobs and put us in the pickle we’re in.
That’s not a conservative position. A pre-existing condition could be migraines. Insurance companies will drop you like a hot potato for something that minor.
We’re a pro-life country, and that counts outside the womb.
The first step would be to treat medical coverage like any other employer-paid benefit by making it taxable. If I get a company car, or if the company pays for a life insurance policy with me listed as the beneficiary, I have to report those items on my tax return as part of my income. There's absolutely no reason to treat medical insurance any differently.
Yeah, get the pain over with fast; kinda like cold turkey
Do you have current/ongoing medical bills?
It doesn't mean we have the right to force other people to pay our living expenses, does it?
I don't understand why people like it so much. It sounds good, until you realize that (at least in my state), having a kid on your plan means that the billing rate is "family" instead of "couple." Since the family rate is the same no matter how many children after the first, it's pretty high.
Until the ACA took full effect, it was cheaper to have one or two kids buy their own insurance separately, even if they were under 26, than to keep them on the family plan.
Now that ACA has fully ratcheted up rates on the young, that might not be quite so true. It was true last I checked about 4 years ago.
That’s exactly right. Insurance companies LOVE the “up to age 26” requirement because it allows them to collect additional premiums on people who rarely ever need the coverage.
Good luck, and hang in there.
Don't expect miracles with ACA repeal.
The fact is that healthcare is expensive and the best indication of that is your COBRA cost.
That's the actual cost from the company to insure you, after all of their negotiations with all of the insurance companies offering group plans.
There's no reason to think you're going to do much better in the individual market, ACA or not.
You might be able to get a stripped down catastrophic plan for less money, however.
Those are very good points, but...
The care has become a train wreck!!!
At some point, perhaps I’ll compose a vanity detailing the last couple years my elderly parents have been through. (By extension, since I, with aid from my wife and daughter, are the primary responsible parties for my parents, we’ve been though this hell too.) I’ll include a brief comparison to an extended critical care (followed by extensive rehab) episode my Mom went through roughly 25 years ago. This assumes I can get an entire weekend to put it together, because that’s about what it would take.
Of course, it’d probably be better for me to just go on a fishing trip or something, rather than increase my chances of an ulcer!
In short though, the decline is beyond dismaying. I’m not even sure what the right word is. Terrifying? And so far, we have found basically the same thing in every one of the several facilities my parents have been in, the last couple years.
To be clear, this is not a problem with all caregivers: Many doctors, nurses, and so on, are terrific. I even call my Dad’s sitters (most, anyway), his “angels.” His ER doctor, a few weeks ago, was wonderful. The EMT’s were super-professional. His hospitalist, a couple weeks ago, was great too. Modern medical technology is a marvel. I could go on.
But, the SYSTEM is fragmented, “paperwork” seems to be the prime concern outside of true life-or-death emergency situations, and communication / coordination / efficiency is just... horrible. I could list & describe examples for hours, and I can come up with multiple examples for every facility my Mom & Dad have been in these last couple years, with the possible exception of the office of my Dad’s present PCP. There have been so many “right hand doesn’t know what left hand is doing” situations, inexplicable delays (inexplicable even to the medical staff, often), and so on, that I almost went crazy. In the last couple months, I am pretty sure my Dad would be dead if I had not been on hand almost daily, “pushing” and / or following up, over a several week period. I am also pretty sure now that compared to “efficient / timely” care at various points, he has been unnecessarily permanently damaged to some degree. At a minimum he will likely require rehab that will take longer than his (best case?) remaining days. But... I have no time to sue. Besides, how does one sue a system? There is no one caregiver I can or would want to pinpoint or hurt...
Most of the problems, IMO, are due to the inevitable red tape that was growing like a cancer even before ObamaCare, and now Obama has put it (the cancer) on steroids. Your 1st point is a factor in this.
That's really what it comes down to, isn't it?
I'll bet nobody has ever heard a Lamborghini owner complain about the service at the dealership where he purchased the car. But you'll hear plenty of people complain about the treatment they get at a Ford, Honda, GM, etc. dealer.
If a man were to submit a claim for an abortion then I highly doubt his insurance company would pay it, just like if I submitted a claim for treatment for prostatitis my insurance company would refuse to pay it. So how can you claim we're paying for either one if the insurance company won't cover it?
Have you not been reading all the posts from people complaining that their rates have gone through the roof while their deductibles have risen to astronomical levels? None of that was happening pre-Obamacare because the government subsidies for millions of people weren't available pre-Obamacare. Why is it surprising that insurance companies would take advantage of that?
I'm not saying that hasn't had an impact, but there are other factors that have played a much bigger role in the escalating premiums and astronomical deductibles. Someone who is 30 years old and healthy has very little incentive to sign up for useless, expensive insurance coverage -- so the premiums from these young, healthy people aren't there to offset the enormous costs associated with older insured people.
“The GOP is EXEMPT and created RomneyCARE/ObamaCARE.”
Yup. The Repubikan capon dem fluffers kept funding it for the last 6 years; knowing full farking well what a complete sh!t show it was.
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