Here's something else you won't hear Obama admit

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etaoin shrdlu Posted - 10/30/2013 10:43:15 AM | show profile | flag this post

Excellent analysis...

of what's going on here in today's Huffington Post.

It takes Obama to task for the political undertones of "If you like your coverage, you can keep it."

It's partly true. IF your health insurance met ACA requirements, you COULD keep it. The policy would be grandfathered in.

What's happening is this. A ton of policies out there had no real health care coverage. You paid for the plan, you had high co-pays, high deductibles and in many cases -- no hospitalization coverage.

These policies are largely behind the tsunami of individual bankruptcies forced by health care debt.

And it was one of the reasons health care coverage had to be reformed.

The writer goes on to describe how some policies are going to be somewhat more expensive than these sham policies -- because you actually get health care coverage now!

Read it. Folks on both sides of this argument will find something they agree with:

http://www.huffingtonpost.com/2013/10/30/if-you-like-your-plan-you-can-keep-it-_n_4175715.html

beenthere Posted - 10/30/2013 11:17:13 AM | show profile | flag this post

You paid for the plan, you had high co-pays, high deductibles and in many cases -- no hospitalization coverage.
___


That describes the plan my company is offering NOW, well except we have no copays, have to fork over the full doctor/prescription/lab test fee ourselves. Hospital coverage does NOT kick in until the high deductible is met.

What's funny is that people who HAD insurance are being penalized. Meaning, they had a plan, are now kicked off it, and now have to pay lots more for stuff they don't want. But whatever.






etaoin shrdlu Posted - 10/30/2013 11:25:32 AM | show profile | flag this post

It sounds...

like you have been unaware of the actual costs of health insurance.

Lots of us have -- with employers paying the full premium or most of it for so many years.

A decent employer provided plan will cost about $20,000 a year. If you or your boss doesn't want to spend that kind of money -- you have to live with the deductible.

A $6,000 deductible sounds pretty steep, until you realize hospitalization for a traumatic injury, heart attack or cancer will cost you more than $200,000 if you don't have insurance.

I had minor surgery 14 years ago and blew through the deductible before I even got into the operating room.

Is the ACA the best plan? No. But until the U.S. adopts a single payer system -- like every other industrial nation in the world -- it's a huge step up over what we've got right now.

Again.

Shop around on the exchanges. You'll be surprised at the bargains you can find.

Grateful Deadline Posted - 10/30/2013 12:53:35 PM | show profile | flag this post

Yes, shop -- the exchanges are open to everyone, whether or not they're eligible for the ACA.

Maybe beenthere could visit an independent insurance agent to find a workable combination in individual plans.

Quinntessential Posted - 10/30/2013 1:40:35 PM | show profile | flag this post

President Obama said

"If You Like Your Insurance You Can Keep It. Period!"

"If You Like Your Doctor, You Will Be able To Keep Your Doctor, Period."

President Obama even guaranteed it.

There was no ifs, ands, or buts.

No amount of spin will change the fact President Obama lied.

BUT BUSH!!!! BUT BUSH!!!!! BUT FOX NEWS!!!!!

Right dems. Hold President Obama to the same standard....



beenthere Posted - 10/31/2013 9:43:01 AM | show profile | flag this post


If you have read my posts you would know that I am well versed in all the options, understand what is available and understand how the ACA works.

The ACA is a BAD DEAL for everyone and is going to destroy the middle class.

It does not provide healthcare, it provides payment to health insurance companies.

You pay your premiums and then pay your deductible. Unless you get hit by a buss or need a triple bypass, you will be footing the bill for your own healthcare 100%, in addition to pay a company a fee for the privilege of sending you an invoice. Your insurance company WILL NOT PAY ONE CENT toward "healthcare." It's extortion, quite frankly.

Why this is so difficult to understand just shows me the people here do not understand how the new health insurance policies work.

And getting on the exchanges? It catches all the passwords you use for all your different accounts on your computer (when you go to sign in and pick a password it tells you "not to use your previous 6 passwords" which are on your own computer for all the different accounts you have, bank, email, Facebook, etc.. It also sends you an email the next day regarding one of Obama's PACs, which shows that your info is SHARED.

But your privacy is guarded right? Any info is private, right?


Quinntessential Posted - 10/31/2013 11:16:04 AM | show profile | flag this post

Sweet....

Another ObamaCare Victim

He liked his health-insurance plan--or close enough: "It was there, and it did its job." He seems to have believed President Obama, who said--and said and said and said--that if you like your health insurance, you can keep it.

Now our protagonist has become "one of the hundreds of thousands of people whose insurance coverage was canceled for not complying with the terms of the Affordable Care Act," the euphemism for ObamaCare. "As a result, not only will I pay more, but I have had to divert many otherwise useful hours to futzing around with websites and paperwork."

http://online.wsj.com/news/articles/SB10001424052702304073204579167731744315634?mod=WSJ_Opinion_MIDDLETopOpinion

Frum, you were warned.....

beenthere Posted - 10/31/2013 3:12:46 PM | show profile | flag this post

Keep your doctor? Keep local hospital? Nope ...


http://www.cnn.com/2013/10/29/health/obamacare-doctors-limited/index.html?hpt=he_t4

(CNN) -- Some of Thomas Harte's New Hampshire neighbors are frustrated by the Affordable Care Act's insurance marketplaces but not for the reasons you might expect.

Harte is an insurance broker. He still has his share of frustrations with the marketplace websites, but the growing number of complaints he hears come from clients and fellow brokers who have seen the policies these marketplaces offer.

Nationally the marketplaces offer tens of thousands of different policies with a wide variety of coverage, but Harte has noticed many have one thing in common: They cover a narrow network of doctors and hospitals.

That narrower network comes as particularly bad news for the residents of Concord, New Hampshire.

Concord's one hospital won't accept any policies offered by the marketplaces. To see a doctor, specialist or primary care provider affiliated with the hospital, patients on these Obamacare plans will have to pay out of their own pocket. The closest in-network hospital is in Manchester.

"Can you imagine having to go 25 miles away to Manchester to get access to a health care provider that is covered by your insurance?" Harte asked. "Right now, Concord is one big black hole of health care for people buying these plans."

____

cruiser Posted - 10/31/2013 3:37:29 PM | show profile | flag this post

This is how it works, folks

Obama and his band of idiots think the way to control health care costs is to wring every cent of profit OUT of doctor and hospital invoices. And they even decline to (fully) reimburse some of the costs.

A lot of seniors know...their doctors have told them...THEY LOSE MONEY ON EVERY SINGLE MEDICATE PATIENT. And VA medical care, Medicaid, etc., have similar business models.

That's why the list of providers is VERY slim...and due to get a whole lot slimmer as the stark reality catches up with those who are unaware.

cruster Posted - 10/31/2013 6:48:13 PM | show profile | flag this post

This is how it works, folks

cruiser soaks up Medicare and Social Security while moaning and groaning about others who need care.

Meanwhile private insurance companies are forced to cancel skeleton policies because they offer too little in the way of coverage.

cruiser blames Obama. But still wants his Medicare.

Hypocritical?

No! Hypo-cruisical!!!!





beenthere Posted - 11/1/2013 11:14:29 AM | show profile | flag this post

Meanwhile private insurance companies are forced to cancel skeleton policies because they offer too little in the way of coverage.
___

It's called choice. I doubt a menopausal woman wants maternity coverage. But she now has to pay for it.

People CHOSE those policies. Now they are taken away and they have to pay MORE. Why were people who HAD INSURANCE penalized?



cruster Posted - 11/1/2013 1:00:28 PM | show profile | flag this post

Those Skeleton Policies Were Cheap and GREAT!

Unless you used them.



beenthere Posted - 11/1/2013 2:10:24 PM | show profile | flag this post

Skeleton plans were better value for your money


Unlike the high premium, high deductible plans the ACA is forcing healthcare insurers to offer.

Those "skeleton plans" were LOW premium, high deductible, so when you DID go to the doctor, you actually had cash on hand to pay for it. Which people did.

ACA plans ensure your high premiums will eat up your monthly income, and you WON'T be able to afford to pay out of pocket to go the doctor (because your high deductible means the health insurer DOES NOT CONTRIBUTE).



etaoin shrdlu Posted - 11/1/2013 2:35:24 PM | show profile | flag this post

Unless you needed hospitalization...

in which case your insurer waved good-bye, took your money, and kicked you off the policy to fend for yourself.

These skeleton plans were the main reasons that health care costs were a leading cause of bankruptcies in the U.S. for the past decade.

beenthere Posted - 11/1/2013 3:00:58 PM | show profile | flag this post


So only low premium plans caused bankruptcy?

Hardly. Plans of all sizes caused bankruptcy. Skyrocketing medical costs caused bankruptcy. Friends had a premmie a few years ago, and owed more than 30K for hospital care. They had a "good" plan.

Skeleton or catastrophic plans offered an option to healthy people who normally do NOT see doctors on a regular basis, which is most young people and middle age people who take care of themselves.

It was a very effective option in covering them for trauma car (car accidents, etc.).

Maybe people you know go to the doctor all the time for every little thing. In that case, a catastrophic plan would not be a good option. Hypochondriacs, chronically ill should never get this type of plan.

If you keep yourself healthy,however, a catastrophic plan was IDEAL. Except it's not an option anymore.




etaoin shrdlu Posted - 11/1/2013 3:56:52 PM | show profile | flag this post

You obviously don't understand how insurance works...

beenthere.

You seem to be confusing them with a savings account.

In that case, just put away the money you think you'll need and hope you'll be lucky - or die before you pass out of middle age.

cruster Posted - 11/1/2013 7:13:34 PM | show profile | flag this post

Blame Private Insurance Companies

They are the ones who sold insufficient skeleton plans. Now they are the ones cancelling them and blaming the "guv'ment".

Those plans are great for young health people, provided they don't get really sick or injured. I know because when I was young I was hurt on the job, and if it wasn't for worker's comp and a court settlement, I'd have owed more than $20,000. for an on the job injury.

And never mind that many analysts say the 5% who face cancellation can get better cheaper plans under the ACA. Why that's just socialist talk con 'sarn it! God doesn't want that!





Quinntessential Posted - 11/1/2013 7:49:39 PM | show profile | flag this post

Awww crusty joe. Is that what happen? You done fell and bumped your head?

Sorry crusty joe. This is all on President Obama and the Democrat party.

And never mind President Obama said

"If You Like Your Insurance You Can Keep It. Period!"

"If You Like Your Doctor, You Will Be able To Keep Your Doctor, Period."

Private Insurance Companies are to blame.

BLAME BUSH!!!! FOX NEWS!!!!

Don't dare blame President Obama for the consequences of his policies.


Quinntessential Posted - 11/1/2013 8:09:30 PM | show profile | flag this post

Interesting piece in Forbes.


Obama Officials In 2010: 93 Million Americans Will Be Unable To Keep Their Health Plans Under Obamacare

http://www.forbes.com/sites/theapothecary/2013/10/31/obama-officials-in-2010-93-million-americans-will-be-unable-to-keep-their-health-plans-under-obamacare/



Quinntessential Posted - 11/1/2013 8:23:46 PM | show profile | flag this post

Senate Democrats supported rule that led to insurance cancellations

http://politicalticker.blogs.cnn.com/2013/10/31/senate-democrats-supported-rule-that-lead-to-insurance-cancellations/

Sen. Chuck Grassley nails it.

“The District of Columbia is an island surrounded by reality. Only in the District of Columbia could you get away with telling the people if you like what you have you can keep it, and then pass regulations six months later that do just the opposite and figure that people are going to ignore it. But common sense is eventually going to prevail in this town and common sense is going to have to prevail on this piece of legislation as well,”

BLAME INSURANCE COMPANIES!!!!!

BLAME BUSH!!!! FOX NEWS!!!!



Grateful Deadline Posted - 11/1/2013 8:37:40 PM | show profile | flag this post

It has to be very upsetting for all those people who were happy with being underinsured because they had salted away $500,000+ to pay for their family's catastrophic health needs.

cruster Posted - 11/1/2013 8:47:06 PM | show profile | flag this post

Oh Notchy Bob

You are so hilarious.

You remind me of someone.

Maybe Notchy Bob is wrong.

Notchy Steve?

No.

Notchy Joe? No.

Notchy Ro....?

Hmmmmm


cruiser Posted - 11/1/2013 9:11:56 PM | show profile | flag this post

etwinkie says, "You obviously don't understand..."

This is his constant lament about the great unwashed mass of unintelligent posters here, the implication being that HE...ALONE...understands. He applies this to all things, therefore in his mind he alone understands all things and we poor hapless conservatives are ignorant.

There is one thing, however, that etwinkie apparently DOESN'T understand: He doesn't understand that his arrogant, conceited, know-it-all attitude absolutely squelches his credibility.

NOBODY knows everything...and EVERYBODY knows that. They CERTAINLY realize that etwinkie doesn't.

mpdodgson Posted - 11/2/2013 7:56:06 PM | show profile | flag this post

Yea, we're off track again.

When the absolute KING of I KNOW EVERYTHING ('cause all those years of independent researching my free lance stuff donchaknow) accuses someone else of being 'know-it-all', yea, we've drifted.

Note to Crotch; quoting Grassley not the best tactic. "common sense is eventually going to prevail in this town and common sense is going to have to prevail on this piece of legislation as well,” Uh, Chuck?? Are you referring to legislation that was ALREADY passed, signed, and certified by the Supreme Court, or are taliking about maybe passing an infra-structure jobs bill that may actually result in jobs??? Now if your'e talking about a 45th or 46th waste of time about legislation that has already been decided--not to mention two presidential elections with this as an overwhelming issue--PUT the brick down. You're making a fool of yourself. Not to mention the people that quote you.

And one more thing. Would you people please stop from thinking about ObamaCare like it was an insurance policy?? It's not an insurance policy. It's designed to replace one you already have or ever had. if you have a bitch with your insurance company, please, take it up with them.

These 'Well my friend got screwed', or 'I saw on CBS or FOX about this woman getting droped' blah blah blah. That's another post. But in the meantime, I just wanted to say it was interesting how some here say 'don't trust what you see on the media'...and then a repeat a LIE they saw on the media...because it fits their talking point.

mpdodgson Posted - 11/2/2013 9:26:57 PM | show profile | flag this post

If you can't shut up

At the very least keep things in perspective--or stop lying about it.

"The ACA is a BAD DEAL for everyone and is going to destroy the middle class." Oh Good Lord lady. ObamaCare "affects a pretty small sliver of the U.S. population: the people who buy health insurance directly, rather than the 80 percent who get it from their jobs or a government program like Medicare or Medicaid, or the 15 percent who have no health insurance at all."

The destruction of the middle class? Really? So making sure like 20% of the country is insured rather than going to the ER every wek is going to DESTROY the Middle Class?? Oh, and we keep hearing about all these horror stories...and the law hasn't taken effect yet..but it must be true??

It's pretty bad when one Fox show makes up crap like "Brian Kilmeade claimed that young people’s motivation in paying the penalty will be “in order to avoid prison time or whatever ramifications" (when there are no prison time ramifications) and another Fox show (Greta) has to "Talks To FL Woman Who Is Losing Her Cheap Insurance Policy, And The Truth Comes Out,

http://www.addictinginfo.org/2013/11/01/dianne-barrette-on-fox-news/

One of my favorites was a California lady who went from show to show..."The Media Peddles an Angry ObamaCare Customer Who Never Even Went to the Website"

http://www.politicususa.com/2013/10/31/media-runs-angry-obamacare-customer-website.html

Some person has a friend who got screwed by thier insurance company. We hear that a lot. Sorry guys, Obama didn't do that. Some person has a friend who had a friend who told you they had (terrible) insurance so they always ended up in the ER when they got sick. And that (they thought) was great insurance. No. It wasn't. We all ended up paying for that, and that's not Obama's fault either.

Get. A. Grip. It's not a bad idea. The "rollout/Webiste?" That was an unmitigated disaster. Taking care of those without health insurance is nota disaster. It's the right thing to do.









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