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  #31  
Old 05-01-2014, 10:46 PM
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My graph would look worse than that as far as coverage. The company insurance costs more and pays out less, and the insurance company blames Obamacare. I always thought they used ACA as an excuse to make these cuts to fuel their own greed/agenda, but who knows. All I know is I'm worse off.

I had a tempurature nearing 105 about a month ago, regular doc told me to hit the ER right away. I was there less than 2 hours, billed $1600 for testing, IV fluids I didn't need, pain medication I didn't need, and some over the counter fever reducer. Testing came back with no answers, no flu or strep, just a virus. Doctor suggested I might be overdoing it/overstressed. Insurance paid a little over $600 of it, I'm billed the rest. Seems like a ridiculous bill... enough for me to avoid hospitals in the future, which could be a bad decision if its something that turns out serious.

5 years ago I went in for really nasty food poisoning, so dehydrated from vomiting my body was curling up, don't remember how much I had to pay, but it wasn't much.

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  #32  
Old 05-01-2014, 11:21 PM
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Quote:
Originally Posted by TylerH860 View Post
My graph would look worse than that as far as coverage. The company insurance costs more and pays out less, and the insurance company blames Obamacare. I always thought they used ACA as an excuse to make these cuts to fuel their own greed/agenda, but who knows. All I know is I'm worse off.

I had a tempurature nearing 105 about a month ago, regular doc told me to hit the ER right away. I was there less than 2 hours, billed $1600 for testing, IV fluids I didn't need, pain medication I didn't need, and some over the counter fever reducer. Testing came back with no answers, no flu or strep, just a virus. Doctor suggested I might be overdoing it/overstressed. Insurance paid a little over $600 of it, I'm billed the rest. Seems like a ridiculous bill... enough for me to avoid hospitals in the future, which could be a bad decision if its something that turns out serious.

5 years ago I went in for really nasty food poisoning, so dehydrated from vomiting my body was curling up, don't remember how much I had to pay, but it wasn't much.
It probably won't comfort you, but its BS. ACA plays in their hands since it expands the market by something like 30 million customers (can't remember figures). They're just letting you bend over.
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  #33  
Old 05-02-2014, 06:51 AM
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Originally Posted by tbomachines View Post
It probably won't comfort you, but its BS. ACA plays in their hands since it expands the market by something like 30 million customers (can't remember figures). They're just letting you bend over.
The collusion between the government and the insurance industry convinces me ACA is a bad deal for all citizens---but great for the politicians and the insurance industry moguls.
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  #34  
Old 05-02-2014, 07:10 AM
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Originally Posted by TylerH860 View Post
My graph would look worse than that as far as coverage. The company insurance costs more and pays out less, and the insurance company blames Obamacare. I always thought they used ACA as an excuse to make these cuts to fuel their own greed/agenda, but who knows. All I know is I'm worse off.

I had a tempurature nearing 105 about a month ago, regular doc told me to hit the ER right away. I was there less than 2 hours, billed $1600 for testing, IV fluids I didn't need, pain medication I didn't need, and some over the counter fever reducer. Testing came back with no answers, no flu or strep, just a virus. Doctor suggested I might be overdoing it/overstressed. Insurance paid a little over $600 of it, I'm billed the rest. Seems like a ridiculous bill... enough for me to avoid hospitals in the future, which could be a bad decision if its something that turns out serious.

5 years ago I went in for really nasty food poisoning, so dehydrated from vomiting my body was curling up, don't remember how much I had to pay, but it wasn't much.
fwiw you did yourself a huge favor by going to the ER. A 105 degree temp can become lethal or lead to permanent brain damage. I would not jump to the conclusion about what was needed in the circumstance unless you have a medical license.

You might want to look into a slightly more inclusive plan as the coverage may cover things like ER trips, more kinds of tests, meds, etc. I used to use a preferred provider plan and the amount of what included eroded steadily over time. I switched to a more spendy plan with a different provider and while it costs a little more, it more than pays for itself every time I need a doc or related facilities/testing. Many plans now are based around not ever really using medical facilities and other plans are designed to lower or eliminate costs when you accept you'll be using the resources.

I look at the choice as similar to that offered for a used car warranty. I've got a lot of miles on my odo and it is unavoidable that i'll have to visit from time to time; due to that it costs me less to buy a more inclusive service...
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  #35  
Old 05-02-2014, 08:34 AM
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The collusion between the government and the insurance industry convinces me ACA is a bad deal for all citizens---but great for the politicians and the insurance industry moguls.
The way I would put it is that there are winners and losers with any piece of legislation. Whether "the citizens" are better off is more debatable than whether the insurance industry and politicians are.
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  #36  
Old 05-02-2014, 09:36 AM
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The way I would put it is that there are winners and losers with any piece of legislation. Whether "the citizens" are better off is more debatable than whether the insurance industry and politicians are.
Make no mistake, as designed, the ACA is a H U G E windfall for the insurance industry. I think it likely that the hopes of the current administration and most left wingers is that this will lead to a backlash and then a single payer solution which excludes the insurance industry maggots and ends up putting them in the category of offering only supplemental benefits or none at all. I dunno if this will ever happen due to the vast resources that the industry has acquired from all they are paid by we the sheople...
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  #37  
Old 05-02-2014, 09:42 AM
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Our small group plan (7 employees) renewal date was yesterday. BCBS NJ cancelled our old plan ( of course ). Last year my premium was 6,408 (single). This year, it'll be 10,908. Even being pre-tax to me, WTF !!!!!
It's a gold plan, but still, a 41% increase. Double WTF!!!

I wonder, when they finally have this SHOP up & running for small businesses inside the ACA network, how many small businesses will junk group coverage all together. I further wonder whether the impact of limiting the employer premium credit to businesses enrolled in the SHOP will entice small employers to move in that direction, insure outside the SHOP or scrap coverage all together? Time will tell.
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  #38  
Old 05-02-2014, 12:59 PM
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Originally Posted by dynalow View Post
Our small group plan (7 employees) renewal date was yesterday. BCBS NJ cancelled our old plan ( of course ). Last year my premium was 6,408 (single). This year, it'll be 10,908. Even being pre-tax to me, WTF !!!!!
It's a gold plan, but still, a 41% increase. Double WTF!!!

I wonder, when they finally have this SHOP up & running for small businesses inside the ACA network, how many small businesses will junk group coverage all together. I further wonder whether the impact of limiting the employer premium credit to businesses enrolled in the SHOP will entice small employers to move in that direction, insure outside the SHOP or scrap coverage all together? Time will tell.
I hope businesses drop insurance, it will fast track to a single payer system.
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  #39  
Old 05-02-2014, 08:19 PM
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I hope businesses drop insurance, it will fast track to a single payer system.
You seem awfully sure that single-payer would be a win-win for the people. I am not sure the evidence of all the countries that have adopted single-payer would back up your optimism. Aren't some countries who adopted single-payer looking for ways to get out of it?
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  #40  
Old 05-02-2014, 11:22 PM
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Originally Posted by MS Fowler View Post
You seem awfully sure that single-payer would be a win-win for the people. I am not sure the evidence of all the countries that have adopted single-payer would back up your optimism. Aren't some countries who adopted single-payer looking for ways to get out of it?
Maybe, don't know about countries that want out of a single-payer system. But I'm pretty confident that there is no country that would like to adopt the American system.

In Holland everyone pays around 100 Euro's a month for a base insurance, mandated by law. If you like additional insurance you buy it from a private company yourself or your employer will cover it. Is it a perfect system, probably not(?).
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  #41  
Old 05-03-2014, 06:54 AM
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Maybe, don't know about countries that want out of a single-payer system. But I'm pretty confident that there is no country that would like to adopt the American system.

In Holland everyone pays around 100 Euro's a month for a base insurance, mandated by law. If you like additional insurance you buy it from a private company yourself or your employer will cover it. Is it a perfect system, probably not(?).
The problem is that we were not offered that system. A politically-motivated system was forced on the American people by extraordinary Congressional actions. It is quite possible the worst of all possible systems that could have been devised. No real debate was allowed; all opposition was viewed thru a "politics-only" lens. The repubs failed to offer ( and still fail) a single, comprehensive, well thought out alternative. Some of the pieces repubs offer seem very attractive, but they don't have a viable replacement--even after all this time.
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  #42  
Old 05-03-2014, 10:25 AM
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Seeing this cluster$$$$ set up in collusion with, and to the primary benefit of corporations and then calling it "socialist" is hilarious.
Give me the real "socialist" system. Single payer, medicare for all. Let the companies sell upgrades and supplementals. As long as profit is the bottom-line determinant of care we are all screwed.
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  #43  
Old 05-03-2014, 10:35 AM
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Originally Posted by elchivito View Post
Seeing this cluster$$$$ set up in collusion with, and to the primary benefit of corporations and then calling it "socialist" is hilarious.
Give me the real "socialist" system. Single payer, medicare for all. Let the companies sell upgrades and supplementals. As long as profit is the bottom-line determinant of care we are all screwed.
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  #44  
Old 05-03-2014, 11:14 AM
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The misuse of Social Security by our govt over the years will need to be addressed .I believe it has already been planned out as part of these Care Acts WITH A FEW MORE TO FOLLOW,the table of finding ways thru the mess is what is largely a standing presidents job ,finding answers to clean up previous administrations misdoings ,Ill be the first to throw a dart at what the second 2 sided name will be, The General Care Act ,Social Security has been picked apart and our govt has to answer for their blundering .The answer usually is just shoffeling of the deck of cards they have in play.
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  #45  
Old 05-03-2014, 11:23 AM
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Originally Posted by MS Fowler View Post
The problem is that we were not offered that system.
True.

Quote:
A politically-motivated system was forced on the American people by extraordinary Congressional actions.
Not true. A majority of the population wanted a change.

Quote:
It is quite possible the worst of all possible systems that could have been devised.
Not true. Like it or not, the previous system fits your description of "worst of all possible systems." It was and is crippling the country and the effects will be felt for some time.

Quote:
No real debate was allowed; all opposition was viewed thru a "politics-only" lens.
This is baloney. The issue has been debated for over a generation. The GOP fronts for the insurance industry and the GOP is only publicly interested in serving the greed of the industry.

Quote:
The repubs failed to offer ( and still fail) a single, comprehensive, well thought out alternative.
Or any alternative other than personal bankruptcy due to health issues, which then gets dumped on the state and we the people. The duplicity and blatant dishonesty of the GOP shines brightly.

Quote:
Some of the pieces repubs offer seem very attractive,
The operative term is "seem" but in truth they offer nothing but lies and endless profiteering by the insurance industry.

Quote:
but they don't have a viable replacement.
True.

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