Such nonsense. The entirety of their plans DOES NOT cover every doctor. Tell some people with immune deficiencies who use specialty pharmacies that Obamacare is an option for them.
Happy 14th Birthday The Affordable Care Act
- Thread starter THE_DEVIL
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NEITHER DOES ANY COMPANY-SPONSORED PLAN, CLETUS.
You said it was not a lie when Obama said “If you like your doctor, you can keep your doctor.” We are dealing with your bullshit here.
Now free feel to amend your bullshit response to “Yeah, Obama lied but many employee plans are bad too”, or STFU about it…Cletus.
It was not.
However, you're taking the statement completely out of context with respect to how insurers and provider contracts work.
If you change jobs and get a different insurance plan subsidized, that your doctor is no longer "in network", you absolutely CAN "keep your doctor", he will just be out-of-network.
SAME as the ACA - you CAN "keep your doctor", but he may no longer be "in network" if you cannot find a plan that includes him.
This too complex for your limited brain capacity, Cletus?
Haha. So, what you’re saying is that you can pay for a doctor yourself when you find out that the ACA sucks ass and won’t pay for the doctors you have to see for your rare condition. Holy shit.
He also lied saying if you like your plan you can keep your plan. That was a lie too. So many lies told around and about this thing.
When I retired I was too young for Medicare and had to purchase a policy thru the marketplace. The deductible for a bronze plan is ridiculously high....and except for a few things, it is all out of pocket until you hit the deductible. Very expensive for how little is covered.
Oh.....and when I went on Medicare last year, the premium for my wife (same plan and coverage) more than doubled.
The negatives of the ACA far outweigh the positives.
I just moved over to the VA when i retired and signed up for UPMC for life, no premiums, and live over the VA max miles. An major problems [SURGERES] are covered BY UPMC and the bill is covered by the VA. No bills when i had my prostate cancer [radiation] or for the widow maker ]surgery].
I have to say I'm a HUGE fan of this ACA program. It's been a game changer for me personally.
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You can "pay for your doctor yourself" if you switch companies and your new employer has different healthcare insurers.
Your claim was that you "cannot keep your doctor". Which is utterly FALSE
So, now we're moving the entire football field, including two sets of goalposts...
Before my wife retired we cashed in a small IRA. We put that money in the bank to pay for things like property taxes, emergency expenses, birthday/Christmas etc. We had to limit our income in order to receive the maximum premium subsidy possible.
Thankfully we didn't have any major medical issues, because the marketplace plans hardly cover anything until you hit the high deductible....unless you are willing to shell out higher premiums, of course.
Bullshit
Buy a Gold or Platinum plan, then.
Do your homework on what your expected needs for actual care are, and run the math vs premiums, co-pays and deductibles, lazy ass.
I said ALSO. You were proven full of shit on your first contention, I was giving you a chance to embarrass yourself defending that other lie. Good move declining. That lie actually won some awards.
You said "doctor".
Now, you've completely moved away from that.
And insurers eliminate "plans" all the time. And you may have to find a NEW one, EVERY YEAR
That's how it works, Cletus.
Again: Run the math.
Open an XL spreadsheet, map out your monthly premiums, #'s of regular and specialist visit costs, co-pays and deductible.
Find out WHERE the "break points" are for what will be cheapest for you in a given year, along with the "worst case" number if you have a significant illness that would max out your deductible.
The plans your employers provide (typically Silver/Gold) ALSO have significant premiums that they SUBSIDIZE for you. Go ask your HR what your Cobra cost for the company plan would be; they'll tell you.
Do they still charge for throwing something in the trash? I’ve seen that before.
This is another example of something that we cannot agree on because of party. It’s amazing how split we are on basically everything. Did we even agree in @FAUlty Gator ‘s squatter’s thread??
Hey dipshit, ACA and Medicaid ain't the same thing.
There's nothing AFFORDABLE about the Affordable Care Act.
I know this unfortunately because I have to deal with it for some clients.
I know this unfortunately because I have to deal with it for some clients.
FUNFACT: Employers pay the same rates for the insurance they subsidize for YOU.
They may charge for biohazard disposal; as in if they excise an organ or bunch of tissue sent for path examination, and have excess/unused 'stuff' that needs to go to their biohazard/incineration or something.
Any place they can add in a charge for something, they will.
The ACA is a marketplace to get the same types of insurance policies that are offered to employees. Premiums are similar, the portion someone pays is dependent on the subsidy by either the employer or ACA. In fact, ACA generally offers a person more options than an employer based plan that are generally limited to one provider and a few options.
High deductible plans have been gaining popularity for a long time as they allow people to participate in HSA savings programs. They also lower the monthly premium and you pay for what you use up to a maximum. It acts as an incentive to be healthy, get regular preventative checkups and acts as a safety net against catastrophic costs.
It's amazing how uninformed so many of you are about the ACA.
SMFH - the discussion is about PCP and the plans offered through ACA are the same type of plans offered through employers. The ACA will offer plans from multiple providers where employers generally offer just one.
People with immune deficiencies who use specialty pharmacies will have very similar, if not the exact same, options that those with employer based plans do.
You are woefully misinformed about the ACA.
GTFO - the comment was about people who have a doctor through a regular insurance plan will have access to that doctor through the ACA plans since they are essentially the same.
If your doctor decides not to take insurance in the interim, that's not on the ACA.
The only time I ever had to change doctors was due to my employer changing their provider options.
FFS you are throwing around so much bullshit in this thread.
Explain to us how insurance policies obtained through the ACA are significantly different than those provided through employers.
You are the one lying. As usual.
It's obvious you don't know what you're doing. Every High Deductible plan, whether through the ACA or an employer, has a high deductible. There are other plans you can get that offer lower deductibles but have higher monthly premiums. Finding what's best for your situation means doing a little research and a little bit of intellect - I suggest you get some help from someone.
That's the whole idea about insurance - protect against huge losses. You only mention the deductible but generally that is also your out of pocket max. If I have a $9000 deductible/max it means I pay for things (other than preventative care) as I use them at the negotiated insurance rate. That's why I only pay $30 for a office visit. Most years my costs will be low and I can use HSA $$ to pay for it. If I have a surgery that costs $75K my cost is only $9000 - again, I can use HSA $$. This is what health insurance has been moving toward ever since high deductible plans and HSA's were introduced. Long before the ACA came about.
Al you've done is expose yourself, yet again, for making shit up.
How is that different than an employer based plan?
You are misinformed. My guess is that's the way you want it though.
Whatever you need to tell yourself to keep from admitting what an ignorant fool you are. Which, by itself, isn't all that bad. It's that you keep exposing it over and over and over again. Bad combination with your immaturity and insecurity.
Barack Obama says that what he'd said was you could keep your plan 'if it hasn’t changed since the law passed'
President Barack Obama’s attempt at explanation has only fanned the flames of controversy over his campaign line, "If yo
www.politifact.com
Yes it is the same thing. If you don’t make any money at your so called business. Then you don’t pay anything through the ACA. It’s amazing the amount of people getting free healthcare while driving a $100000 pickup truck. All thanks to Bathhouse Barry.
Yeah....employers SUBSIDIZE the premiums for employees. But guess what....if you don't have employer subsidized coverage you pay MORE for the same coverage. Sure you can save money....for less coverage. That's what I'm telling you. I should be surprised you and the other "experts on everything" don't understand this, but I'm not. You are completely missing the big picture (and the point).
You are actually supporting my argument! Thank you!
The government should have either gone the Medicare for everyone route, or "free" care for everyone. Instead they chose the half-a**ed option.
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