Posted on 12/27/2013 7:36:44 AM PST by Innovative
If you buy one of the less expensive insurance plans sold through the health law’s marketplaces, you may be in for a surprise. Some plans will not pay for a doctor visit before you meet your annual deductible, which could be thousands of dollars.
This could be the next shoe to drop, as people don't realize that if they're buying a bronze plan, they may have to pay $5,000 out of pocket before it contributes a penny," said Carl McDonald, senior analyst with Citi Investment Research, speaking at a Washington, D.C., conference last month.
Plans that list a price for a doctor visit followed by the phrase "after the deductible is met" mean the consumer must pay the full deductible before getting doctor visits for a small copayment.
(Excerpt) Read more at kaiserhealthnews.org ...
Work on defeating all who voted for this monstrosity!
It is a sad commentary that they actually have to explain that to most of the policy holders.
I suspect this whole Obamacare law was written for revenge. I suspect Ezekiel wrote this maze of illegal crap in retaliation for Valerie kicking his brother out of the WH.
Unfortunately, the history of the US repealing social pogroms of this scale is not one to foster confidence that we’ll ever be rid of this horrendous piece of legislative effluent.
As has been pointed out many other places, it is now more likely that FedGov (the executive or legislative branches, at least) will tweak, fiddle, amend, and massage this monstrosity, all while escalating the penalties for non-compliance.
Currently, the ‘fine’ is only collectible from tax refunds due. If anyone thinks that is going to be the case in three or four years, I’ve got some ocean front property in Colorado for sale, and a small bridge in London.
As it turns out, LIV are also insurance-stupid.
This is so horrible, and people have no idea - I hope it hits home soon enough to get rid of all those who voted for it and are up for reelection in 23014.
I was just looking at some of the state portals for Obamacare and the more I read the more I am horrified.
It could be worse. At least you get the plan’s negotiated rate, not the “walk-in” rate. True, if you find a cash doc, that can be better, but sometimes you don’t have time to search.
I wonder if the $5000 get billed at “retail” or the “negotiated” billing rates.
So what's the point of having any insurance?
Should one get a loan to pay for their insurance?
How did people survive before any health insurance was invented?
Maybe I'll add leeches to my stock pile.
Another aspect of the "get YT" Obama domestic policy.
It's not really health insurance, in the expected sense, if you're 6k out of pocket before it pays anything.
Part of the issue is that the details of the plan aren’t freely available, even if one understands how typical plans work.
We’re doing it the easy way. No health insurance. On the rare occasion when we need a doctor we’ll just buy it like we do anything else. It really is a LOT cheaper that way.
I’m sure the Navigators are knowledgeable enough to explain this to prospects.
The way it works for me in Massachusetts (Romnobamacare) is:
1. I go to the doctor, pay a copay
2. The doctor submits his bill to the insurance company
3. The insurance company “allows” a portion of his fee
4. I get a bill from the doctor for the portion “allowed”
Whoever makes those signs that say “If you have a past due balance it must be paid before the doctor will see you again” should have a banner year.
Call whoever your new doctor under the plan is and wait 2 months for an appointment. You will have plenty of time to search.
This piece of crap was written long before Rahmbo was kicked out. It was written long before it was even discussed as the bill. It is nothing more than an insurance company bailout scam and the setup to punish them after the deal is done for opposing it in ‘92 and to usher in single payer when the desperate masses scream for relief.
The sad irony is that nobody will escape the wrath of the Progressives in both parties.
Hopefully the LIV who voted for, and then who signed up for 0bamacare will begin visiting their (new) doctors in droves, right after the first of the year, and start to discover the fact that nothing is covered until thousands out of pocket are paid for premiums and deductibles.
obamacare is the same as having no insurance.
it is a tax paid on services that can never be used.
a 6500 deductable is the same as no insurance for the vast majority.
it makes obamacare defacto single payer.
I think the new rule of thumb is, if your current plan had something you liked or considered of value, it won’t be available in Obamacare.
Obamacare is strictly cash confiscation.
It’s not really health insurance if it pays for either expected or elective expenses. I would never go to a doctor who was paid for by my insurer. It’s not me that doctor would be looking out for.
Thanks for the info. Appreciate it.
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