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Obamacare - Now What?


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Yes I know there are some that are getting dirt cheap insurance now. But I have questions...

 

1. Do they realize they have deductibles and co-pays?

 

2. Are hospitals and doctor offices going to start refusing to see patients if they can not pay their co-pays and deductibles?

 

3. Will ERs still be packed with people that really should have gone to the after hours clinic or the doctor's office?

 

 

I know people here talk about going to Mexico and getting treatments and paying cash. And we are way up north so I am pretty sure the closer you get to the border the more that cross over for medical care because it is so much cheaper. This includes dental. One of the ladies that cleans the church goes to Mexico for her dental work.

 

So that brings back to my questions are we headed down the road that if you can not pay your co-pay and deductibles are you going to be refused treatment? I know people are already having their appointments canceled if they do not have insurance. Our dil's sister had an appointment canceled this week because she does not have insurance and Obamacare would be $400 per person for them. Their children are covered in CHIPS but her and her husband don't have insurance and at $400 a person she said they would not be getting it either.

 

In the ER when you go in triage are they going to start saying this is not an emergency you need to see your doctor tomorrow and send you home?

 

 

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Unfortunately, it is not dirt cheap and deductibles are quite large. Often the care is not anything close to what someone may have had on less costly insurance through their job but just got dumped because employer is refusing to pay for the company employees in some way and fashion as so many have discovered lately. Often there are unnecessary things in the insurance they still have to pay for. This is from interviews on tv and what people are saying on Facebook in a respectable fashion when they have signed up, if they could get through.

My advice is for folks to wait a bit, if they must get it for health reasons, a few weeks. It is not required to be signed up until December 15. There are alot of glitches and hackers are taking advantage too, so the feds are trying to work out the glitches and security problems they encountered.

Of course, it gets really monstrous if you decide to do the fine instead of take the insurance. There are certainly many more people refusing to even sign up and you cannot compare prices on the plans, until you register and then they have your info. ( So think that over folks.)

 

There will be doctors refusing to take it I bet too, many are simply quitting medicine.

I wish anyone going through these 'choices' good luck.

 

No, it is not cheap at all.

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so, is there some huge variation in prices for the different plans per state then, because I am hearing way more than that even for bronze plans. Who knows, maybe they figured out not enough would sign up to even begin to wish it was feasible to provide any medical coverage on a national scale, and dropped the prices?

Oh, and make sure they knew what the deductible per mo/year would be at that rate too. Believe me, they are quite high.

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Wow, I haven't heard of anyone that hasn't doubled their current rates. Who's getting it cheaper? :scratchhead:

 

DH is fortunately going to still be with his current Major Medical plan @ $200/month/$5,000 deductable.

 

The closest he found on the exchanges was $400/month/$6,000 deductable. :o

 

 

That's what I'm hearing....

 

OTOH....I'm hearing this from our age group which is waving at their 6th decade rather than someone in their 20's or 30's.

 

MtRider :shrug::(

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We got a letter from DH employer saying that they meet the new standards so we wont be fined but we wont see any tax breaks to help pay for ins unless we buy from the exchange online. Im going to check and see what our rates are on there but at the same time I like it being taken out of his check and not having to pay another bill.

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We were mailed a confusing letter from dh's company, about Obamacare, in the end it turned out ot just be saying we had the option of signing up for it instead of the company's plan, but for those who did (for whatever reason -- I cannot imagine doing that, we have decent coverage with a far more affordable rate than I was reading about Obamacare rates), those employees would be exempt from company contributions, they'd pay the O-care fees themselves.

 

If we had the O-Care plan, we'd be broke already, literally. With ER, doctor, specialist, test fees -- we'd without exaggeration be broke. As it stands now, my recent health issues, with our deductible ($800/year per person, $1600/year per family), co-pays ($25 general doctor, $40 specialist, $100 ER), and co-insurance (we pay 30% of tests that are outpatient based ... and some of those are pricey ... one of the tests was just over $6000 ... after reductions the insurance company gets, our share was a smidge over $1100), will eat up our entire (very modest) savings. But we can do it and be okay. If we had Obamacare, we'd be in a world of trouble.

 

I just don't see how people are going to do it! If they're paying high premiums, and then have such high deductibles, what in the world are they going to DO? Who can afford that? I know we couldn't, and there are stretches wheh dh is putting in 80+ a week. Granted he doesn't have the highest paying job, but it's decent!

 

Then the other day I read an article that was saying those who end up with O-care fines can have those penalties taken from their bank accounts, despite the gov't claiming that wouldn't be the case earlier. Not sure if that's valid or not, but it was a scary reading their claim on it.

Edited by lumabean
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The tax credits offered with Obamacare (also called Affordable Care Act, as I heard that some low-information people don't know they are the same) and actually portions paid by the taxes on other people. Some people seem to think that the insurance companies are offering the lower prices. No, the lower prices are due to government (taxpayer) subsidies.

 

As for collection, it is a tax and it appears on your Income Tax form which means that the IRS can collect any way that they collect back taxes, including freezing your bank account, selling something of yours, etc.

 

Already have the problems with getting appointments and no insurance. Have to walk in with a certain amount of cash in hand right now. Wouldn't be surprised if there is a section in the LIfe Control Act(that is what it really is, in spite of the name) that requires doctors to only treat people with health insurance.

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Some have gone on to get quotes and then opted to remain insurance free but now that they have their information they are being threaten with liens on their homes as well as possible garnishments if the fees are not paid. I refuse to to the site I am not giving them any information.

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Some have gone on to get quotes and then opted to remain insurance free but now that they have their information they are being threaten with liens on their homes as well as possible garnishments if the fees are not paid. I refuse to to the site I am not giving them any information.

 

I'm with you. No way I'm going to their site and no way I'm giving them my info.

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I got a letter from my present insurance company telling me a website to go to to find options for my new coverage.(With a different policy) I haven't been able to get to the site yet and I've been trying for 3 days. I am poor enough that I guess I'll be subsidized but I doubt it will be good coverage.

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My husband told me that as soon as the paperwork goes through with his company our medical insurance will go up by 85% from what we were already paying. We live paycheck to paycheck right now.

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((((((((((Cootie))))))))))))

 

 

:o

 

 

Frightening, simply, frightening.

 

We are not sure what is going to happen to our insurance, haven't received anything from the retirement company.

 

One notice I got said, bronchitis is a virus, therefore, no antibiotics are needed. Ummmm.... but 'bronchitis' seems to always to disappear once antibiotics are provided, coincidence?

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My husband told me that as soon as the paperwork goes through with his company our medical insurance will go up by 85% from what we were already paying. We live paycheck to paycheck right now.

:blink:

 

 

The HR lady at DH's work is warning everyone that come next plan period (Mar/Apr) there's going to be a massive increase in costs--both in the monthly costs and our deductibles. Since DH works for a small business, I'm praying they just still offer insurance.

 

I saw the article where an O-care supporter is quoted:

"Of course, I want people to have health care," Vinson said. "I just didn't realize I would be the one who was going to pay for it personally."

Edited by out_of_the_ordinary
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((((((((((Cootie))))))))))))

 

 

:o

 

 

Frightening, simply, frightening.

 

We are not sure what is going to happen to our insurance, haven't received anything from the retirement company.

 

One notice I got said, bronchitis is a virus, therefore, no antibiotics are needed. Ummmm.... but 'bronchitis' seems to always to disappear once antibiotics are provided, coincidence?

 

There's been alot of hullabaloo recently about the "over use of antibiotics" and the "over prescribing by doctors" of antibiotics. Hmmmm?

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"Of course, I want people to have health care," Vinson said. "I just didn't realize I would be the one who was going to pay for it personally."

 

As I've been saying.....there is no "government" in that sense...there are only taxpayers!

 

MtRider <_<

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I 'love' talking with people that have the attitude they are "entitled" to do/have anything they want and shouldn't have to pay for it. They believe the government is there to support them. I usually have to walk away at that point due to an urge to want to strangle them. Most believe the government just 'prints money' and it doesn't come out of anyone's pocket, but they don't care anyway as long as it doesn't cost them.

 

I wonder if its related to this recent study/article by the government:

 

US Adults are dumber than the average adult everywhere else

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dh got his paperwork for open enrollment at work for insurance ... from what we looked over so far, the rates and coverage seem about the same as they are now, so I am hoping that it remains this way, and that there aren't any taxes imposed on it (I remember in one thread someone mentioned a penalty for those who have 'cadillac plans' from their employers :( I am hoping that isn't true, but at this point nothing would surprise me).

 

In our area, there's a commercial running by Geisinger, saying how one of their plans are now subsidized and "less than a dollar a day" (reminded me of one of those term life insurance commercials for a moment). Anyway, the gist of the claim is that with the subsidy now, it's less than a dollar a day for insurance --- how is that even possible?? <$30/month for coverage? I am not buying it unless that includes pretty much nothing ... one visit to the Geisinger doctor I see is $286 (I pay $25 co-pay, insurance pays the remainder of their negotiated rate). With those <$30 claims, people with that plan would have premiums that would be just about that in a year. Maybe the gov't is footing the bill for the rest? This confuses me. I am all the more praying our plan through dh's employer stays what it is, and no add'l taxes or anything, I don't want to get sucked up in to this fiasco, esp. being sick!

 

The thing about Geisinger (I'm not knocking them, I go to one of their hospitals for testing and my new dr. is a Geisinger dr) that made me think when I saw that commercial (I never made the connection before with them running insurance and medical facilities possibly being a problem for patients) ... is that when the same company that runs your insurance also runs your health care .... what does that mean for your real care ... it would seem 'in the best interest' of the company for its docs to not do certain things (tests and such) that would cost the company money to do ... kind of a conflict of interest there? Maybe not, but that commercial did get me to thinking ... maybe that's why(even though I don't have their plan) my new doctor seems hesitant to run tests as compared to the other dr. not affiliated with them. Then again, my train of thought could have taken a wrong turn :/

Edited by lumabean
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Are they mentioning what the "deductibles" will be for those low rates? Under ObamaCare the deductibles are far worse than the high payment rate most are experiencing. And don't forget that the government only gets its money from you, the citizens, and will result in higher taxation too.

 

I'm Medicare age so I have a different type of problem and my approved physician is not sure he can continue his general practice because of ObamaCare. My former Ophthalmologist will now only take cash and won't take insurance of any kind. We may well find a lower standard of health care available to us as a result.

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No, the commercial just mentioned the low rates and being subsidized. they do have a plan for those on gov't assistance, this one is under the "marektplace" citing health care reform.

 

I don't know how reliable NaturalNews articles are (I only just started paying mind to them, they come through the Facebook news feed) but they've got one now about how those who go to the website for O-care are having their IP address linked with their social security number :sigh: If that's true, it doesn't bode well imo.

 

During the enrollment process, your computer also hands over your IP address which is then tied to your social security number.

This IP address is then handed over to the NSA thanks to its new mega-black-hole data center in Utah, where your IP is cross-referenced with all website visits, including:

• "Anti-government" websites
• Porn sites
• Gambling sites
• File sharing sites
• "Terrorism" support sites
• Encryption service sites like Hushmail
• Chat rooms, message boards and more

Armed with this information, the NSA can then link your seemingly-anonymous online chats, comments and posts with your social security number. Linguistic algorithms can "score" your online posts to create red flags that call for additional investigations of anyone using words like "liberty" or "patriot."

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I got my letter from the insurance company yesterday. The "new" Obama approved policy that is close to what I have now has gone up in price from $293 to $510 a month. I cannot afford that so I will either go without or be FORCED into subsidized care. I don't want the goverment to subsidize me. What a mess. At least I'll have pregnancy coverage now. LOL

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