Stacy, the EIB Insurance Expert (under 35, preexisting condition, free Commiecare costs $12,340/yr)

Rush Limbaugh .com ^ | 8/20/10 | The Maha

[ArmstedFragg]

Not just a diabetic, a diabetic who’s getting 35 thousand dollars a year worth of medical care for twelve grand, a net savings of 23 grand over what it cost before. Actually, it could be millions in care because once the out of pocket limit is reached, 100 percent of the expenses are covered.

Citing worst cases doesn’t help because they’re easily shot down. The point is made by stating that, contrary to the claim that it’s all free, a subscriber will have to shell out four grand in premiums, plus the deductable, before the policy pays a penny.

[ArmstedFragg]

Until Obamacare wipes it out some day, HIPAA still applies to people who are on COBRA. Once they’ve maxed out their COBRA benefits, any insurance company in the state that writes individual coverage has to accept them without a pre-existing condition exclusion. It’s not cheap, and the timing is crucial, but there’s no reason for someone on COBRA to end up uninsured. She needs to talk to a local SHIP volunteer or try a couple of new insurance brokers until she finds one who’ll level with her. The key phrase is “HIPPA Shall Issue”.

And she’ll be happy politically, too, because it’s a gift from Teddy Kennedy.

[Matchett-PI]

Thanks! bttt

[painter]

Look for a better policy. That's a ripoff.

My wife and I have been self employed for the last 24yrs and we know about buying health insurance.

[painter]

I hate to be nosy,but my wife wants to know how old you and your wife are.

[BCW]

PING PING PING

[BCW]

TREASON from the enemies within.

I second that...

[Las Vegas Dave]

Pinging all, the caller to Rush Limbaugh’s Friday show talks about the cost of ‘0’bama-care!

Stacy, the EIB Insurance Expert (under 35, preexisting condition, free Commiecare costs $12,340/yr)

http://www.freerepublic.com/focus/news/2574787/posts?page=1#1

[freekitty]

I like this woman. She is sharp.

[Mad Dawgg]

"The reality of Obamacare will be far worse than what folks are anticipating. People will feel they’re being choked financially, and neglected in terms of their health needs."

Wow, Obama really put it to those evil insurance Companies didn't he? Now its law you have to buy insurance and its gonna cost everyone thousands of dollars in either premiums or higher taxes.

Welcome to the Obamanation!

[GreenAccord]

Thanks, Dave. Everyone should commit these dollar amounts to memory, as well as the source (the website) for conversational Conservatism when the topic of health care comes up.

[Gene Eric]

>> and its gonna cost everyone thousands of dollars

Time to start talking about the Misery Index.

[Gene Eric]

>> They won’t “feel” it, they will DAMNED WELL KNOW IT!

You’re right. It’ll hurt.

[ctdonath2]

People are missing a key issue, worse than the deductibles and premiums.

“CALLER: I know. And, you know, you also have to be not covered by any insurance plan whatsoever for six months —
RUSH: Before you qualify for this?
CALLER: In order to qualify for this, and —
RUSH: You mean you gotta have no insurance for six months before you can qualify for this boondoggle?
CALLER: Yes.”

Think about how much money is saved by the government as those with life threatening conditions DIE when they can’t afford six months of care on their own.

Thanks to Obamacare, even the option for expensive coverage has been taken away. You have to survive NO coverage for half a year before your serious condition is addressed. No need for “death panels” when costlier patients can be neglected to death.

[ctdonath2]

“2. Her husband can/will die during the 6 month wait. (It is a serious pre-existing condition in which he has no immune system.)”

That must be emphasized. For those who most need it, NO coverage for SIX MONTHS.

Under capitalism, at least you could get coverage, albeit very expensive.
Under CommieCare, you get to die before they’ll look at coverage.

Glad I can afford my meds and maintenance on my own. I’d be dead of a stroke, wholly predictable and preventable, under Obama’s love.

[Thermalseeker]

I’m 47, she’s 37. BTW, I have a 34 year history of heart arrhythmia (Wolfe-Parkinson-White syndrome), including one open heart surgery in ‘91, four post op catheter procedures and I’ve been on a anti-arrhythmic beta blocker for years.

[EBH]

It’s not cheap, and the timing is crucial, but there’s no reason for someone on COBRA to end up uninsured. Sure there is a reason someone on COBRA ends up uninsured. You actually stated it. She is finding that they won't be able to afford the insurance. What good is a high deductible account, to get the low monthly premium, if one can't afford the deductible? In their case it is all going to be financially unsustainable no matter what the policy is.

[RFEngineer]

There has to be a point - somewhere - where the actual cost of medical procedures has to be questioned.

I know...administrative costs, lawyers etc.....

but seriously, when does the actual cost of medical care get questioned?

The discussion is all about insurance now.

The insurance model has pretty much failed - with plenty of help from the government (medicaid/care) and Obamacare - but seriously - there has to be, at some point, a discussion of costs charged by the entire medical industry. Insurance has allowed costs of medical care to escalate without normal restraints of the market.

Can one even ask this question in polite company on FR?

[Thermalseeker]

The insurance model has pretty much failed

The one we currently have? Absolutely. And, I would further add that it has failed because of gubmint intervention in the marketplace. Things like not allowing health insurers to compete across state lines. There is absolutely no reason why I shouldn't be able to buy insurance from anyone who sells it. Most states limit the number of companies that can sell health insurance, some limit it to as few as 3-4 providers. This is ridiculous! Cronyism at it's worst. Another thing began shortly after WWII that hurts the cost of health insurance and that was health insurance being offered by employers as a benefit on top of wages or salaries. This removes the consumer from the equation on the front end. The company may or may not be buying the best policy that suits you and you might be really healthy, but be lumped into a pool of less than healthy insureds. The consumer is removed on the back end, too, with zero or low deductibles and co-pays that are more of a nuisance than a shared cost. There is no free market and thus absolutely no incentive to shop around for the best price on anything medically related with most insurance policies. That's the beauty of the HSA. It puts the consumer back into the equation. For incidence, I just had a little outpatient thing done. Since I've not met my deductible this year I guarantee I will be going over the bill with a fine toothed comb and will be disputing anything that does not belong. (and this is after the insurance has matched all the charges and reduced them to match their network contract)

[kalee]

bttt