Posted on 12/05/2013 6:18:07 AM PST by 11th Commandment
Americans with chronic illnesses—who are expected to be among the biggest beneficiaries of the health law—face widely varying out-of-pocket drug costs that could be obscured on the new insurance exchanges.
Under the law, patients can’t be denied coverage due to existing conditions or charged higher rates than healthier peers. The law also sets an annual out-of-pocket maximum of up to $6,350 for individuals and $12,700 for families, after which insurers pay the full tab.
But depending on the coverage they select, some patients on expensive drug regimens could reach that level fast.
(Excerpt) Read more at online.wsj.com ...
That's just insane! For the family plan, a health savings account of half that amount would probably be adequate. In turn, the family could just use a far less expensive insurance plan for catastrophic events or hospital stays(what insurance was originally intended for). We are young, have a large family, and never spend anywhere near $12,700 for routine Dr visits, minor illnesses, or medications. As a bonus, most Dr Offices these days offer a good discount for cash paying customers.
They want us screaming for prescription drug price controls AND single payer.
**a less expensive plan**
They won’t let you. Read this good analogy I got in an email and pass it on....
Obama Flowers - Have you ordered yours yet?
(Receptionist) Hello, Welcome to ObamaFlowers, My name is Trina. How can I help you?
(Customer) Hello, I received an email from Professional Flowers stating that my flower order has been canceled and I should go to your exchange to reorder it. I tried your website, but it seems like it is not working. So I am calling the 800 number.
(Receptionist) Yes, I am sorry about the website. It should be fixed by the end of November – or maybe December. But I can help you.
(Customer) Thanks, I ordered a “Spring Bouquet” for our anniversary, and wanted it delivered to my wife.
(Receptionist Interrupting) Sir, “Spring Bouquets” do not meet our minimum standards, I will be happy to provide you with Red Roses.
(Customer) But I have always ordered “Spring Bouquets”, done it for years, my wife likes them.
(Receptionist) Roses are better, sir. I am sure your wife will love them.
(Customer) Well, how much are they?
(Receptionist) It depends sir, do you want our Bronze, Silver, Gold or Platinum package.
(Customer) What’s the difference?
(Receptionist) 6, 12,18 or 24 Red Roses.
(Customer) The Silver package may be okay, how much is it?
(Receptionist) It depends sir, what is you monthly income?
(Customer) What does that have to do with anything?
(Receptionist) I need that to determine your government flower subsidy, then I can determine how much your out of pocket cost will be. But if your income is below our minimums for a subsidy, then I can refer you to our FlowerAid department.
(Customer) FlowerAid?
(Receptionist) Yes, Flowers are a Right, everyone has a right to flowers. So, if you can’t afford them, then the government will supply them free of charge.
(Customer) Who said they were a Right?
(Receptionist) Congress passed it, the President signed it and the Supreme Court found it Constitutional.
(Customer) Whoa.....I don’t remember seeing anything in the Constitution regarding Flowers as a Right.
(Receptionist) It is not really a Right in the Constitution, but ObamaFlowers is Constitutional because the Supreme Court Ruled it a “Tax”. Taxes are Constitutional. But we feel it is a Right.
(Customer) I don’t believe this...
(Receptionist) It’s the law of the land sir. Now, we anticipated most people would go for the Silver Package, so what is you monthly income sir?
(Customer) Forget it, I think I will forgo the flowers this year.
(Receptionist) In that case sir, I will still need your monthly income.
(Customer) Why?
(Receptionist) To determine what your ‘non-participation’ cost would be.
(Customer) WHAT? Your can’t charge me for NOT buying flowers!
(Receptionist) It’s the law of the land, sir, approved by the Supreme Court. It’s $9.50 or 1% of your monthly income.....
(Customer)interrupting) This is ridiculous, I’ll pay the $9.50..
(Receptionist) Sir, it is the $9.50 or 1% of your monthly income, whichever is greater.
(Customer) ARE YOU KIDDING ME? What a ripoff!!
(Receptionist) Actually sir, it is a good deal. Next year it will be 2%.
(Customer) Look, I’m going to call my Congressman to find out what’s going on here. This is ridiculous. I’m not going to pay it.
(Receptionist) Sorry to hear that sir, that’s why I had the NSA track this call and obtain the make and model of the cell phone your are using.
(Customer) Why does the NSA need to know what kind of CELL PHONE I AM USING?
(Receptionist) So they get your GPS coordinates sir
(Door Bell rings followed immediately by a loud knock on the door)
(Receptionist) That would be the IRS sir. Thanks for calling ObamaFlowers, have a nice day...and God Bless America.
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