If you voted for Obama, I'm asking for your help
- Thread starter Herkmeister
- Start date
The interesting thing with you is the implied arrogance and lack of compassion for others. It’s people like you who buy into the bullsh%t spewed by people like Obama and Hillary and make the rest of us pay. Your day will come.
Yes. About 15% clinical, the rest is research, teaching, mentoring, the associated committee/faculty meetings.
I will say, I do feel bad for those who have poor health insurance policies and understand how the changes made with the ACA have made things more difficult for some. That being said, there are a lot of people now who have insurance who had none before, or who have a condition that is now covered that wasn't before.
All partisan jousting aside, the one thing I would seriously look into is 'price-matching'. Shop around a bit (if that's an option for you). Also, do not hesitate to go to the business office and set up payment plans. I can almost guarantee you no matter the hospital they are more than willing to work with you on something reasonably affordable.
Oh, I don't think it's simply 'implied.'
I already said what I said about insurance coverage and the ACA. It hasn't worked for you apparently, but there are a lot of success stories as well. I've personally seen them firsthand.
Look into other hospitals who provide the same service. Check with the business office, especially ahead of time, regarding payment plans.
Good luck to you.
It probably had more to do with the overpriced plans. People only make so much money.
Thank your employer......Obama did NOT write the policy.
Well, that's another good argument for moving to a single payer plan, and free businesses from having to be in the health insurance business to begin with.
Perhaps.....but he didn't write the insurance policy! I will guarantee you there are insurance policies out there that are more friendly to the posters situation than the one his employer chose. THAT is my point. It's not like the employer doesn't have options as to what he chooses for his employees.
What did you think was going to happen? I guarantee you that Obama knew what was going to happen, but he had to pay off those campaign contributions somehow.
Did he write the policy, though?
The bottom line is the majority of people were not significantly impacted by the ACA. Those who were affected fall into a couple of groups: those whose policies underwent a bit of "rate/policy-shock", and those who now have better/cheaper coverage. Obviously, those who fall into the first category are going to say "Obamacare" is a debacle. Those in the 2nd group, though, tout its success.
This is a pretty decent review written in the Huffington Post with data from the Kaiser Family Foundation. The number one predictor of 'success' of Obamacare? Political persuasion.
A lot of people now have good health insurance who did not before. Is it 100% successful? Of course not, and it certainly can be refined. However, seeing people who now have coverage for conditions previously not covered, being able to have medications and treatments they would forego in order to pay the rent, it's those individual success stories I hear time and time again that make me believe the law is a worthwhile law.
Umm....you still have another month to sign up for a different policy.....
And a lot of people lost their health insurance. What is your point? You took it away from some to give it to others. Congrats.
Yeah, dude. Go pay $500 a month for a plan with no copays and a $20k deductible. Why not?
BS.
"ACA" insurance is no different than Aetna, Humana, Blue Cross, United Health or Kaiser insurance.
ALL of the ACA policies are also 'standard' policies offered by those insurers. The difference is that when you purchase thru the ACA sites, you can qualify for subsidized rates (which is reflected on your taxes).
Thus, claiming "ACA policies don't cover stuff" is a bunch of shit. You simply have a policy that doesn't cover some things. The doctors and hospital admins I know aren't that negative on ACA - there are bumps and frustrations, but all of them KNOW they are going to get paid/reimbursed by most (if not all) patients now; prior to ACA, there were far more non-payers.
It's Tom Waits. And I bet he has better insurance than you.
McCain is not a war hero, trump said so.
If you are talking 'individual' plans, most Gold plans are the $500/month on up level, and they have maximum payout costs of $1500 to $2500. But you are paying $6000/year in premiums.
That is why the high deductible plans make sense for lots of people, because paying $300/month, or less than $4000/year is a better option with the high deductible, because most will only pay a few hundred more for visits and typical care. You'd have to pay out $2000 just to match what the premiums cost on the Gold plans, and $4000-4500 to hit the maximum payout.
In all, a Gold plan where you are paying $6000 in premiums and $2500 in max payout will cost you $8500 out of pocket (plus other fees that may not be covered); the high deductible plan will cost you <$4000 in premiums plus the typical $6000 deductible, or only about $1500 more.
EITHER plan, if you 'max out' is going to cost you >$8000 for the year, perhaps closer to $10,000.
I know what the plans are like, dude. I've been on the site the last two years.
This whole thread just sounds like the OP is either too lazy, or too financially incompetent to look through all the available plan options to find one that will save him money.
The plans are all ridiculously overpriced. That's why the only people signing up are the people who have preexisting conditions.
Then quit spouting BS numbers that don't even match up with the actual offerings.
You can get the low level plans for <$300/month. Gold or Platinum will provide max OOP of $1500-2000, with office visit copays that can eat another $200-500 from you if you have a major health issue, and will cost $500-700/month in premiums, or DOUBLE what the low level plans cost in premiums.
Co-pays sound like a 'deal', but they often are not. A $40 copay can often be 1/3 or more what the office visit would have cost you OOP. The insurers have negotiated rates that are generally $100-200 for a typical visit or specialist.
Then perhaps you should move OFF 'the site', and go directly to the insurers which offer coverage in your area, and look at the other plans offered. Each insurer only has a few of their plans on the ACA, and 3x to 5x more options if you purchase directly.
They aren't BS. Just because you're in love with your boy selling us out to the insurance companies doesn't mean we all are.
Then, you ought to be able to link the plan with the "$500 premium, no copays and $20,000 maximum".
Because, it is my understanding that nearly ALL family plans (not individual) have $12,000 maximums.....Max individual plans are anywhere from $1000 to $6000, and if you want the $1000 or less, you'll end up paying well over $600 a month on an individual plan.
I am curious how you can make the health care market be "free"? Is it your intention that it operate like a restaurant? That if you can afford to eat there you do, and if you can't you don't? Are you advocating that people be left to die if they are uninsured.? The point is that we cannot have a free market health system. The public demands that we provide a basic level of care to those in need. The question becomes how to pay for it. The previous system led us to unsustainable levels of price increases. Perhaps this system will be better, perhaps not. The next step should be universal coverage, not a return to a system that has been proven to be ineffective.
Thank you for making another argument for the "public option" that was soundly opposed by those who opposed ACA in the first place. It is a given that a "public option" would have been a virtual guarantee to the successful implementation of ACA. The GOP would have none of this.
What plan would work for those that need insurance? If the government subsidized coverage for those without workplace insurance, a significant number of businesses would just drop coverage and let the government pay for it. We therefore have the employer mandate. If you have the pre existing condition coverage provision without the individual mandate, you have people who put off coverage until they are sick, thereby breaking the system.
OP Translation:
"I was too stupid to adjust my coverage when my insurer notified me of changes. Because I didn't do my homework, Obama sucks."
I had to adjust mine. A little less "Cadillac" of a plan and a little more "Chrysler", but I get why it had to be done. The ACA is an imperfect solution to what was a DIRE problem in America. Both insurance companies and doctors were out of control in their pricing, price gouging and fraud were rampant, and those who were most vulnerable were the first to get kicked off of their insurance. We SHOULD have gone to single-payer, and the ACA would have been much better, had GOP senators worried more about the American people than their campaign donors and whether they'd back an opponent.
"I was too stupid to adjust my coverage when my insurer notified me of changes. Because I didn't do my homework, Obama sucks."
I had to adjust mine. A little less "Cadillac" of a plan and a little more "Chrysler", but I get why it had to be done. The ACA is an imperfect solution to what was a DIRE problem in America. Both insurance companies and doctors were out of control in their pricing, price gouging and fraud were rampant, and those who were most vulnerable were the first to get kicked off of their insurance. We SHOULD have gone to single-payer, and the ACA would have been much better, had GOP senators worried more about the American people than their campaign donors and whether they'd back an opponent.
As I said - a plan would need to be developed for those that didn't have coverage.
A plan was developed prior to the aca for those who had no insurance called the state risk pool most states had it or Medicaid-obama lied his arse off said this was not an option
Talk to your Dr's and do everything you can to have that thing scheduled this year. Yes, the ACA is terrible for productive members of society, but at the same time, it's providing something to those who didn't have it previously.
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