You have to pay the deductible before a doctor or hospital will treat you. So if your deductible is $5K per person, for a family of 5, insurance doesn’t kick in until you have paid your $25,000.00 deductible. But there are some things that the co-pay is waived for, check your policy. I know my son can get two check ups per year with a doctor, and girls can get loads of freebies from birth control to maternity. For the rest of us NOTHING!!!!!!!!!!!!!
and this was on facebook today...
OBAMACARE A comment posted on the Affordable Care Act/Obamacare FB page:
“I actually made it through this morning at 8:00 AM. I have a preexisting condition (Type 1 Diabetes) and my income base was 45K-55K annually. I chose tier 2 “Silver Plan” and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I “opt-out” and chose to continue along with no insurance.
I received an email tonight at 5:00 P.M. Informing me that my fine would be $4,037 and could be attached to my yearly income tax return.
Then you make it to the “REPERCUSSIONS PORTION” for “non-payment” of yearly fine.
First, your drivers license will be suspended until paid, and if you go 24 consecutive months with “Non-Payment” and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy “Automatically withdraw” your “penalties” weekly, bi-weekly or monthly! This by no means is “Free” or even “Affordable.”
Kinda sheds a lot of light on all of the arming and beefing up of arms for all of the domestic departments INCLUDING the IRS now doesn’t it? There’s a war coming folks....
Your drivers license can be suspended? I assume you are in a state exchange not the feds. Can the feds do that (suspend state issued license rather than a federal issued license) or only a state? Is this a rule just in your state or in all states covered by state exchanges?
The FB post/email is not accurate & is circulating around and scaring people (my mom got it via email). About all they can do (for now) is take any tax refund you are due .... no driver’s license suspension.
Here’s a link for you:
http://www.rushlimbaugh.com/daily/2013/10/28/politico_rush_is_right_on_obamacare_tax
You might want to post it in response to the FB inaccurate post.
It isn’t really a $25,000 family deductible before the insurance company pays for anything other then the “freebees” It’s $5,000 per person subject to a max of about $13.5K out of pocket per person. If one person in the family goes over the $5,000 then the plan starts to pay for them. The other members are still working on their deductible. If your family gets in an auto accident and is hospitalized and each of their bills exceed $5,000 then you’re in to the co-pays until you exceed the per person max. The families that buy these lower cost plans are in for a nasty shock. That’s also why their billed costs are an issue before the deductible is satisfied. The amount changed by a hospital/doctor for services is a lot higher for those who don’t have insurance with it’s negotiated payment schedule. One doctor on TV was talking about his reimbursement rate for services on Medicaid and said the rate for a mammogram was something like $20. If the other reimbursement rates are similar (probably are because of the number of doctors and hospitals that reject Medicaid patients) you know that’s not what they bill for the same service for those who are paying cash or don’t have insurance. Now ObamaCare isn’t Medicaid but it does have it’s own reimbursement rate and with the programs stated goal of bending the cost curve down you know it’s going to be low and probably similar to Medicaid. Even Medicare has to have an annual Doc Fix to increase the payments to the doctors and hospitals to keep them from dumping seniors. But the reimbursement rates are not the same thing as what they doctor or hospital will charge you under ObamaCare until your deductible is satisfied. BTW if you are under ObamaCare and think you have been over charged by a hospital or doctor who do you get to appeal to? The law has cut the courts out of a lot of the areas covered by this law (courts only have authority to adjudicate cases in areas where Congress has given them authority. In this law the courts review was eliminated in lots of areas including the panel that sets up what services are covered and how they are reimbursed. That’s Sarah Palin’s Death Panel).
WIW the Silver Plan has a $2,500 deductible. The Gold and Platinum plans have no deductible but are more expensive.https://www.coveredca.com/coverage-basics/PDFs/standard-benfits-for-individuals.pdf Other states deductibles and programs are different.
Hoax. That’s been around since October 1.