obamacare missing something

[LexusLover]

Originally Posted by gnadfly

Literally 7 of those emergency clinics have sprouted up in about a 2 mile radius the last 3 years. 3 clinics are on the same side of the road within a third of mile of each other. My guess is they cost 2 to 7 million dollars to build each of them. None has significant business. Finally one shut down last week.

I doubt they treat people for free.

They ask for insurance ... emergency room copay!

[rexdutchman]

Obamacare , my 30 year old daughter tried to apply 250 a month / 7500.00 ( no mistake) Really how can anyone afford that , That's why people still go to the ERs , the clinics were looking for cash business that would have come out of the obamacare mess. She goes to a clinic for colds etc , and if some thing bad happens ER on the states dime ..

[LexusLover]

Originally Posted by rexdutchman

Obamacare , my 30 year old daughter tried to apply 250 a month / 7500.00 ( no mistake) Really how can anyone afford that , That's why people still go to the ERs , the clinics were looking for cash business that would have come out of the obamacare mess. She goes to a clinic for colds etc , and if some thing bad happens ER on the states dime ..

not sure what "250 a month / 7500.00" means, but if one goes to a physician and pays without insurance there is a different rate for the office visit. Also, one can obtain reduced Rx from most pharmacies after obtaining a "card" from them .. (with respect to some pharmaceutical companies one can get coupons and direct mail drugs for free with a prescription ... depending upon medical/drug needs it can be less expensive to be "self-insured"!

In Texas the kids are next to nothing annually ... like $30 for the whole year with minimal, if any, copays. Obamacare really isn't insurance .. just a conduit for it.

[rexdutchman]

250 a month payment and a copay of 7500 and yes it was going to be a way to find low cost health care ?

[LexusLover]

Originally Posted by rexdutchman

250 a month payment and a copay of 7500 and yes it was going to be a way to find low cost health care ?

.. a "copay" of $7,500 ...

That sounds more like an annual deductible. If so here's my point:

"Self-insured":

Premiums $250 a month = $3,000 annually
Annual deductible = $7,500
Total annual cost = $10,7500.

Per person with no major medical/illnesses should be a $1,500.
That would cover a couple of check visits and some meds for colds/and preventive shots/vaccines. Keep a healthy lifestyle!

Take that $250 a month and put it into a medical savings and it will build at $3,000 a year plus a little interest, so each year one should net about $1,500 to $2,000 to add to the savings from the year before.

None of my business, but a 30-year-old should have a job.

[Mac780]

Obamacare is a big fat joke. The insurance is useless for the average American just trying to make ends meet. These high deductables are just insane because you are doing nothing but paying out of your pocket until the insurance starts to pay anything. It's no suprise that there are so many people having to file for bankruptcy. Totally fucked up!

[LexusLover]

Originally Posted by Mac780

Obamacare is a big fat joke. The insurance is useless for the average American just trying to make ends meet. These high deductables are just insane because you are doing nothing but paying out of your pocket until the insurance starts to pay anything. It's no suprise that there are so many people having to file for bankruptcy. Totally fucked up!

The motivation was a redistribution of wealth and a one-payer system, while providing the Government with an inside track on everyones' personal financial, physical, and health information to be used for whatever purpose they saw fit. I was contacted by someone who claimed to be from my carrier (some contract service) to come to my home and inspect my home to determine if I were living a "healthy livestyle"!!!

When I explained to the "person" on the phone my doctors make that determination and "no," the tone changed from one of "demand" to one of "concern" for my well-being. I explained that if my home were that bad then "she" might not want to spend much time in it, so I was being concerned about her well-being!!!

If they can't keep the Russians out of their email accounts, I damn sure don't want them taking care of my personal financial, physical, and medical information with a "survey" of my home (particularly when the goofball heading up the "medical" side thinks "firearms" are a medical danger .. "health issue"!!!!

[rexdutchman]

I try too keep it simple Affordable care act = Not affordable , doesn't cover who needs it , ( grand daughter with autism) & yes should have a job however she has a B.S degree and can't find a good job one that pays more then min wage ( to cover health care ) obamacare is a joke sold to the people.

[LexusLover]

Hopefully she has tapped into the insurance resources here in Texas, which will cover her daughter (I assume that is the "granddaughter" about whom you speak), and any other resources available for her child(ren). Those resources are appropriately available for such people, and were before the ObaminableCare was even passed.

[instfixer]

Originally Posted by rexdutchman

I try too keep it simple Affordable care act = Not affordable , doesn't cover who needs it , ( grand daughter with autism) & yes should have a job however she has a B.S degree and can't find a good job one that pays more then min wage ( to cover health care ) obamacare is a joke sold to the people.

This is true. One needs an income of about $11,000 to qualify for the ACA. However the Feds wanted to states to accept Medicaid money to provide health services for even poorer people. My insurance agent said that Gov Perry killed Medicaid for people between 18 and 65 when the ACA came into being. Waging war upon the backs of poor people I guess

Somebody in my company said his daughter that had Downs Syndrome had to wait 12 years to get state aid. I keep reading in the paper how the school districts put a cap on kids with disabilities

[LexusLover]

Originally Posted by instfixer

TMy insurance agent said that Gov Perry killed Medicaid for people between 18 and 65 when the ACA came into being. Waging war upon the backs of poor people I guess

Somebody in my company said his daughter that had Downs Syndrome had to wait 12 years to get state aid. I keep reading in the paper how the school districts put a cap on kids with disabilities

Gov Perry didn't kill anything! Your insurance agent is full of shit!

Anecdotal stories .. "wait 12 years" ... did they submit all the proper paper work, provide medical documentation, and follow up? Or did they sit by the mailbox and wait for a check to arrive?

I don't know of anyone in the last 10 years who had to wait 12 years for assistance for their children in Texas .. and in that 10 years I've talked to a lot of families with children on Chips. May take a month or two....some had to wait until the next enrollment period for whatever reason .. existing coverage?

http://www.texaschildrenshealthplan....-we-offer/chip

[GlobeSpotter]

Originally Posted by LexusLover

Insurance is sold across state lines now...in the sense that residents of one state are covered by insurance doing business in another state. BEFORE ObaminableCare.

LL - not arguing with you...just quoting.

I don't fully understand nor have I studied this cross-state-line situation. Dumb ass politicians say it solves some problems/makes competition. Seems to me like the state-by-state situation is caused by the states local contamination/involvement related to the receipt of the federal monies and then obviously complicated by state laws differing from one state to another similar to say Casualty insurance. But since Obamacare is Federal...why the fuck do state laws need to get in the way.

And of course, part of what LL is suggesting is that the local state company is just the national name brand company registered per state to limit liability within that state....but one still calls into India to get customer service.

So whoever wherever including fed Republicans is suggesting there is some improvement here by "opening it up" is missing the forest for all the trees.

[GlobeSpotter]

Originally Posted by LexusLover

.....
The other purpose (IMO) was to bail out the failing California insurance coverage for retirees, particularly those retiring from local and state government jobs. See Nancy Pelosi. A critical review of the "California Retirement Scandal" will demonstrate also the motivation for California to quit being the State of California and become a different entity (a country)!!!! There are MANY persons who retired from government jobs in California and moved from California so they could survive on a lower cost of living standard outside of California .... ~!!!!

That's an interesting nugget of information.

[GlobeSpotter]

Originally Posted by LexusLover

What they didn't say is ... they have to pay it back .... and

.. the IRS is beginning to do audits on the disclosures to qualify.*

*Now that they quit auditing Conservative groups, although the Trump EO on agencies might have stopped those audits on subsidy recipients.

Wait....WHAT?

Are you telling me that the BILLION DOLLAR website that I log into and enter ALL of my private data including a 20 question cross examination of how everyone in my household is related doesn't ping last year's (or the year before) tax return and validate my taxable income?

Are you telling me that the IRS/FEDS are relying on applicants to TELL THE TRUTH on the application?

OMFG

And where in the fuck did the billion dollars go? The website is a total piece of shit.

[GlobeSpotter]

Originally Posted by gnadfly

Literally 7 of those emergency clinics have sprouted up in about a 2 mile radius the last 3 years. 3 clinics are on the same side of the road within a third of mile of each other. My guess is they cost 2 to 7 million dollars to build each of them. None has significant business. Finally one shut down last week.

I doubt they treat people for free.

The long term goal for those docs in the box is to start getting cash business from the middle class as they avoid using their private healthcare. If you might remember, ACA was eventually supposed to apply to all plans provided by employers. That deadline was delayed by dick head obama to avoid damage to the 2016 election. (but didn't work) He was trying to let the rest of the 80% of the population not learn how shitty healthcare would become until 2017. So that extension ended October 15 of last year IIRC. As you might have heard,....people with plans through their employer started learning of the issues this year/last fall. Companies probably absorbed a little of the cost increase to minimize the shock. (remember,....most companies are self insured under the re-insurance limit so they are taking the risk...not the plan administrator nor Obama...and won't know the damage until they have some time/expenses/payments behind them.)

My point is....what doc in the box business believe would/will happen as we migrate to a single payer system is that:

1. the poor will continue to use the degrading/failing system in place by the feds and paid for by the working class.

2. the working class will still pay for the poor...but chose to pay cash full price in the street for better healthcare. So paying TWICE basically.

This is what happens in other countries that have government healthcare.