warning warning...political topic
- Thread starter igachoochoo
- Start date
Hurt.
Physician here. Insurance companies are belt-tightening and have reduced my payments for the same units of work in anticipation of the increased costs and inefficiencies of Obamacare.
Some patients have lost their previously satisfactory insurance.
I have yet to see a single patient with a new Obamacare policy. It pays about like Medicaid and most decent successful docs and hospitals are avoiding it as it will lose money for practitioners
Physician here. Insurance companies are belt-tightening and have reduced my payments for the same units of work in anticipation of the increased costs and inefficiencies of Obamacare.
Some patients have lost their previously satisfactory insurance.
I have yet to see a single patient with a new Obamacare policy. It pays about like Medicaid and most decent successful docs and hospitals are avoiding it as it will lose money for practitioners
My (personal) insurance premiums have gone up.
Had 2 employees lose their health insurance due to working part time (and I had to tell them).
Multiple patients precription plans have changed for the worse. I literally have not seen copays decrease for any insurance plans. I haven't seen any "Obamacare" prescription insurance yet, but all the others have increased their copays.
Not that anyone expected Obamacare to actually work.
Had 2 employees lose their health insurance due to working part time (and I had to tell them).
Multiple patients precription plans have changed for the worse. I literally have not seen copays decrease for any insurance plans. I haven't seen any "Obamacare" prescription insurance yet, but all the others have increased their copays.
Not that anyone expected Obamacare to actually work.
hurt with about a 20% insurance increase that will not even be good after this year because no maternity so it will increase even more. No need for maternity...paid to eliminate that risk a couple years ago. I cannot keep my same insurance plan as promised!
EDIT: after reading above I must edit...prescription plan added a tier level even for generics. Anything that does not fall in tier 1 which is very minimal I now have to hit a deductible of $500 before I get "generic" pricing
also hurt on the business due to hospital readmit penalties and reduced reimbursement rates
I have not talked to anyone except a couple people in food and bev business who claim $2500 or so a year who have benefited from low premiums
This post was edited on 4/17 8:20 PM by nmerritt11
EDIT: after reading above I must edit...prescription plan added a tier level even for generics. Anything that does not fall in tier 1 which is very minimal I now have to hit a deductible of $500 before I get "generic" pricing
also hurt on the business due to hospital readmit penalties and reduced reimbursement rates
I have not talked to anyone except a couple people in food and bev business who claim $2500 or so a year who have benefited from low premiums
This post was edited on 4/17 8:20 PM by nmerritt11
It will not affect me until next year. My teams says there is no way you can figure anything out with any accuracy because the whole fvcking thing is based on lies and not facts and changes direction like a fart in the wind.
My brother and his friend (a couple years out of college) went into business for themselves and are enrolled in obamacare.
They need every break they can get, starting with next to nothing. Both of them have yet to be sick.
They joke about it (and get it pretty thick by some friends) but said they don't know if they would have made the leap without it.
They need every break they can get, starting with next to nothing. Both of them have yet to be sick.
They joke about it (and get it pretty thick by some friends) but said they don't know if they would have made the leap without it.
I don't understand how Obamacare helped your brother? (Not saying it didn't just want to know more) Couldn't your brother buy insurance regardless? What has changed?
Hurt me as they now charge you if your spouse can get insurance with their employer
After doing their due diligence obamacare was the cheapest route to buy medical (and it might include eye and dental?) Coverage. They had to buy a policy individually without group/company discount whereas I get a huge break by working for a young company (average age 26). So the benefit is in the cost to buy policy using obamacare with similar coverage as myself as opposed to buying policy directly from aetna, colonial, whoever.
The hundreds of dollars they will save this year are important to their success.
The hundreds of dollars they will save this year are important to their success.
Do you have any idea what your brother's monthly premium is? I'm on my wife's plan now, because she is a teacher, but before we were married I had my own policy through Blue Cross Blue Shield. I'm self employed and my premium was right at $200/month.
I'm just wondering where the disconnect is? I'm not saying that $200 is anything to shake a stick at, I'm just wondering how much less your brother's premium is through Obamacare than mine used to be. I feel like most people that are above the poverty line could afford insurance prior to Obamacare and simply chose not to pay for it.
Before I was married I knew so many guys that could've afforded insurance but they didn't buy it because they didn't think they needed it. I tried to explain to them that after Mortgage/rent and food that health insurance should be the next highest priority, but they didn't agree. Then one of them almost drowned and ended up in the hospital for a week due to complications and racked up GIGANTIC hospital bills. I'm not sure how how much he ended up actually paying, though. It's people like him that were the problem before.
OBAMACARE RAISED MY PREMIUMS
with BCBS
or so I was told to comply with it.
Son's insurance up 50%
I am waiting for the hammer to fall on the so called 8 million that signed up
One day the truth is going to come out on the real "numbers"
I believe the answer is that the numbers have been grossly fabricated and inflated with MEDICAD counting toward the numbers when in reality that was more wealth transfer or when I was in school we called it socialism and communism but now liberals define it as the "fair share"
STILL SMELLS LIKE COMMUNISM TO ME!
with BCBS
or so I was told to comply with it.
Son's insurance up 50%
I am waiting for the hammer to fall on the so called 8 million that signed up
One day the truth is going to come out on the real "numbers"
I believe the answer is that the numbers have been grossly fabricated and inflated with MEDICAD counting toward the numbers when in reality that was more wealth transfer or when I was in school we called it socialism and communism but now liberals define it as the "fair share"
STILL SMELLS LIKE COMMUNISM TO ME!
Re: OBAMACARE RAISED MY PREMIUMS
So basically it helps poors, and hurts those who are established or successful? Sounds about right.
So basically it helps poors, and hurts those who are established or successful? Sounds about right.
My health insurance went up about 15 %.
My mother on the other hand...
She was paying $216 dollars a month for health, vision, and dental. Now she pays $333 for JUST health. Deductible went way up as well.
My mother on the other hand...
She was paying $216 dollars a month for health, vision, and dental. Now she pays $333 for JUST health. Deductible went way up as well.
My policy for my family through my dental office went up $1200 this year . On the dental end it has screwed up almost all policy's. Traditional coverage where patients could get cleanings, exams & X-rays covered at 100% are decreasing to 80% or 70%. Yearly maximums are down and deductibles are up - we'll see how it shakes out. Haven't come across obamacare dental plans yet.
Re: OBAMACARE RAISED MY PREMIUMS
I just feel like those of us that were being responsible before are now being penalized, and my derelict friends now get insurance for next to nothing.
What gives?
This post was edited on 4/17 10:39 PM by acwill07
This is what I'm thinking. My wife has the best insurance you can possibly get through the state health plan and our deductible went up starting in January unbeknownst to us without warning. It didn't increase a lot, but it still increased.
I just feel like those of us that were being responsible before are now being penalized, and my derelict friends now get insurance for next to nothing.
What gives?
This post was edited on 4/17 10:39 PM by acwill07
Our company has avoided hiring about 6 positions over the last 12 months as we try to get answers on what our cost of compliance will be. We are just under 50 employees right now. Our insurance went up 30% last year, but the company absorbed that hit. We provide it for the employee. Of course dependent care went up by that much too and it hurt a lot of our employees.
The uncertainty of what the effects are on companies is probably worse than what the actual affects will be when it shakes out. But right now, we are paralyzed from a growth standpoint. The good news is that we spent a lot of the last years increasing our efficiencies but we have about maxed that out...
The uncertainty of what the effects are on companies is probably worse than what the actual affects will be when it shakes out. But right now, we are paralyzed from a growth standpoint. The good news is that we spent a lot of the last years increasing our efficiencies but we have about maxed that out...
Helped me out tremendously when I was unemployed early this year. The premium was about $30 higher than what I was paying through my previous employer but the coverage was actually better.
I likely would have skipped insurance altogether since obviously I wasn't bringing in an income at the time, but there were prescriptions that I need and the market place allowed me to get those affordably.
Luckily I found a job by the end of January so I only had "obamacare" for a short time, but it did help me when I had it and saved me several hundred dollars in medicine and physician visits.
Hey guys, quick plug here. Please submit your stories to gop.gov/yourstory. Not saying it will fix these problems but it will help us out in our continued efforts to reform/repeal obamacare. The administration and top democrats on the hill continue to deny that anyone has been negatively affected by obamacare but we hear from people all across the country on a daily basis who have been directly affected like yourselves (and myself).
My wife and I are actually saving money through Obamacare. We are no longer penalized for having pre-existing conditions. There are a lot of people out there who weren't getting insurance through their employers who have been able to get insurance that is more affordable to them now. My son, on the other hand, had his insurance increase as have many of you.
In my experience healthcare has always gone up every year. Now I believe the greedy money grubbing insurance companies were given a reason to increase their rates while having someone else to blame it on. We need our politicians to work TOGETHER to help make healthcare truly more affordable for all. I believe it is going to take some time but eventually I feel we can actually have an effective healthcare policy in this country. It isn't going to happen overnight.
In my experience healthcare has always gone up every year. Now I believe the greedy money grubbing insurance companies were given a reason to increase their rates while having someone else to blame it on. We need our politicians to work TOGETHER to help make healthcare truly more affordable for all. I believe it is going to take some time but eventually I feel we can actually have an effective healthcare policy in this country. It isn't going to happen overnight.
I have a wife and a young son and our premiums decreased by 33% for slightly better coverage (due to maternity, pre-existing conditions, etc.). I'm very happy with all the different plans I had to choose from. I'm guessing you're looking for bashers, but I've got nothing but good things to say.
I own a small business (21 employees). I provided health care for the employee (no dependents) for years. I had been watering down coverage to try to contain costs for the last 3-5 years. With Obamacare, premiums went down 50%! & deductible went from $6,000 to $1,200. Heard a lot of bad things about Obamacare, but so far it is a Godsend.
Posted from Rivals Mobile
Posted from Rivals Mobile
my insurance has increased 5-20% per year over the last 10 years.
it did go up but not as much as a few years ago.
even without obamacare- i expect our insurance to coninually rise for the foeseeable future
it did go up but not as much as a few years ago.
even without obamacare- i expect our insurance to coninually rise for the foeseeable future
As you can tell from this thread some have benefited and some haven't. I had a client who paid cash for her last house that was so happy for Obamacare. She was finally going to be able to get health insurance that was affordable due to the fact that she was no longer going to be severely penalized for her pre-existing conditions. She was pretty much deemed uninsurable previously. This women is well off and not looking for a handout, and although I never discuss politics with a client, I would assume she is a republican. Glad we have some type of healthcare program that can help her and many people like her.
A couple of companies have already released statements that across-the-board increases of double digit % are coming next year. Wellpoint has already indicated it may be as high as 50%.
Nobody with any intelligence, and an understanding of how insurance works, can think that this new "system" is going to save money.
Insurance companies are "for-profit". The gov't is now telling them they have their insurance pool will now have much higher risks/costs. Well, who is going to pay that, in order for the companies to still be able to operate? Healthy people.
No matter whether you are liberal/conservative, democrat/republican, etc,....one thing will happen with this new system of health care - the healthy people will be paying a larger amount of premiums in order to shift the costs.
Insurance companies are going to have much, much higher costs with they way they will now be forced to operate (and that is a different argument - whether that is a good or bad thing). They gotta get the money from somewhere to pay these costs. Who pays? Healthy people and those that can afford it. What if you can't afford it? Well, then the gov't pays a large portion of your premiums for you. Who pays for that? People who are working and paying taxes. It is a gigantic shifting of responsibilities.
These points can't be debated. They are fact. I, for one, am very skeptical that the current system can survive.
I think the next big eye-opener for the public will be when the rate increases hit next year, after the insurance companies have had 9-12 months to see how bad this hurts their bottom lines. People are complaining about 10%-ish increases this year.
Wait till you see how bad it is next year! The companies now are just guessing at current rates with all the new rules, insured pools, etc.
My take on the thread is
That if you are responsible and live a healthy lifestyle , get an education , pay you bills and act responsibly you will be punished while if you.......
For example smoke like a mummy fired train, consider obesity a good thing , eat saturated fats like they are a delicacy
drink excessively, use drugs , practice social interactions that are high risk behavior, etc that you will be rewarded with either free health insurance or low cost health insurance that is poorly implemented due to the medical profession not willing to accept mediocracy and not being paid for their services.
I am a Christian as CDS also claims so I am open to helping people as any Biblical Good Samaritan would but not open to
supporting people who want a lifestyle supported by me because some liberal people want to be in power and use the purse to buy the votes from those pathetic people whom I would rather provide direct help to get them to stand on their own feet.
Modern slavery of the soul and mind. Sad that people will accept that.
That if you are responsible and live a healthy lifestyle , get an education , pay you bills and act responsibly you will be punished while if you.......
For example smoke like a mummy fired train, consider obesity a good thing , eat saturated fats like they are a delicacy
drink excessively, use drugs , practice social interactions that are high risk behavior, etc that you will be rewarded with either free health insurance or low cost health insurance that is poorly implemented due to the medical profession not willing to accept mediocracy and not being paid for their services.
I am a Christian as CDS also claims so I am open to helping people as any Biblical Good Samaritan would but not open to
supporting people who want a lifestyle supported by me because some liberal people want to be in power and use the purse to buy the votes from those pathetic people whom I would rather provide direct help to get them to stand on their own feet.
Modern slavery of the soul and mind. Sad that people will accept that.
I understand going into business and needing all the breaks I can get while bringing a start up business to a profitable level. I went through the same process13 years ago and had no insurance and pay for a year. That being said, nobody paid my insurance for me like Obamacare and I'm better off because of the financial lessons of pain, suffering and sacrifices we made...Frankly Obamacare is all about Socialistic shifting of money from the one segment of society to the other. Your brother is smart to take advantage of the situation and I don't blame him. It's the politicians who have their head up their ass and the insurance companies have taken full advantage of the situation, jettisoning bad plans, replacing them with more profitable plans and using the Government money to bridge the gap and take all the blame. At the end of the day, the hard working taxpayers will pay and this country will be worse off than before.
One final comment, they (Your brother/friends) will not be joking about it in a few years if they are successful, because they will be paying the price in increased taxes, obligations and other regulatory BS trickling down from DC.
One final comment, they (Your brother/friends) will not be joking about it in a few years if they are successful, because they will be paying the price in increased taxes, obligations and other regulatory BS trickling down from DC.
Starting January 1, my premium went up 14.3%. I work for a large company that provides good benefits.
Obamacare will help some and harm a lot, but it will be the few success stories that are focused on and blasted out by much of the national media.
The people working off of facts and data, thinking logically about how the new system works, and listening to the doctors, hospitals, and insurance company executives know that this is a trainwreck.
Obamacare will help some and harm a lot, but it will be the few success stories that are focused on and blasted out by much of the national media.
The people working off of facts and data, thinking logically about how the new system works, and listening to the doctors, hospitals, and insurance company executives know that this is a trainwreck.
Mixed bag for me. I have a cousin with heart issues that can finally get coverage. That's a good thing...
On the other hand, my premiums are going up... That's not so good.
I'm not in love with Obamacare by any stretch of the imagination. It's got a bunch of flaws.
But I'm OK with universal health coverage in some form. I'm very fortunate that I can afford (and always have been able to) good health coverage. However, if you are a blue collar worker and your job doesn't offer benefits, you simply can't afford private healthcare. It's just wrong that an accident to these folks can ruin the rest of their lives. It's crazy how fast you can run up a million dollar medical bill.
I'm a big WWJD fan. It seems clear to me that health care should be within reach for most Americans.
On the other hand, my premiums are going up... That's not so good.
I'm not in love with Obamacare by any stretch of the imagination. It's got a bunch of flaws.
But I'm OK with universal health coverage in some form. I'm very fortunate that I can afford (and always have been able to) good health coverage. However, if you are a blue collar worker and your job doesn't offer benefits, you simply can't afford private healthcare. It's just wrong that an accident to these folks can ruin the rest of their lives. It's crazy how fast you can run up a million dollar medical bill.
I'm a big WWJD fan. It seems clear to me that health care should be within reach for most Americans.
