Discussion Our healthcare mess thanks to Obamacare

[FelixDeCat]

This was an offshoot of another thread, which should be separate:

I mentioned that the cost of care is very high under the current regime. I have to pay $3,000 out of pocket before my insurance company pays anything, including doctor visits and medicine. This is thanks to Obamacare, which lifted the maximum a policy will pay during its lifetime. If you have a chronic condition or have a bad accident or problem that requires a lifetime of care, the maximum benefits you could claim in the past was $1,000,000 cumulative over how many years you have the policy. Now that cap is removed. Theoretically you could run up a bill over $1M - in just one year - and you only pay according to your plan, unusually 10% or $100,000 plus any deductibles.

Some have suggested a national healthcare scheme is the solution where costs are paid with higher income taxes ("healthcare tax") on top of marginal rates. However there are problems with this type of care as well including lower quality care, long wait times for appointments and assigned doctors within a zip code. If all your doctors are bad, too bad.

Here is someone describing a problems with the healthcare scheme in the UK:

Long wait times, short consultations, silly rules, etc

(Its only a brief part of a larger problem of poverty in the UK that I happened to be watching).

What do you think?

 

[fskimospy]

Well considering I would be denied private health insurance entirely before Obama I can definitely say our current system is the biggest single improvement in my quality of life that the government has ever passed. Obamacare is a national treasure.

 

[Indus]

Ofcourse blame Obama and highlight government healthcare after conservaterrorists ruin it (England).

If you want a government healthcare program to aspire to.. CANADA.

Healthcare tax is around 30% and before you SCREAM..

If you're not a Canadian CITIZEN, you HAVE TO PAY FOR IT OUT OF POCKET!

O' Canada.. land of common sense!

 

[[DHT]Osiris]

I have to pay $3,000 out of pocket before my insurance company pays anything, including doctor visits and medicine.

So get a different insurance plan...? You can choose, now.

Might also be worth writing to your congresscritters in support of single payer.

 

[eelw]

Lol what is the Repugican’s plan for common sense healthcare?

 

[ivwshane]

OP should just sign up for the Republican health care plan. I believe it relies heavily on “hurry up and die”.

 

[Indus]

Lol what is the Repugican’s plan for common sense healthcare?

Mass shootings and suicide!

 

[IronWing]

The last thread was too small to contain Felix' bullshit.

 

[UNCjigga]

OP doesn’t understand that his dilemma is due to Joe Lieberman, pharma bros and GOP donors killing the public option. With the public option, your “in-network” deductible would be much, much lower—similar to how group PPOs work in private insurance:

 

[SteveGrabowski]

What the fuck is the point of having insurance with lifetime limits? Insurance is in theory supposed to protect you against worst case scenarios. Such a heads I win tails you lose situation where I get to charge you a lot of money every month because you're scared of worst case scenarios with healthcare prices what they are and then if the worst case scenario happens I don't have to pay anyways because fuck you, you're at your lifetime limit. I'm basically just Tony Soprano skimming tribute from you at that point. Also op's a dumbass, healthcare costs have been rising like a rocket since Bush's first term, long before op hated Obama for being a negro.

 

[Moonbeam]

This was an offshoot of another thread, which should be separate:

I mentioned that the cost of care is very high under the current regime. I have to pay $3,000 out of pocket before my insurance company pays anything, including doctor visits and medicine. This is thanks to Obamacare, which lifted the maximum a policy will pay during its lifetime. If you have a chronic condition or have a bad accident or problem that requires a lifetime of care, the maximum benefits you could claim in the past was $1,000,000 cumulative over how many years you have the policy. Now that cap is removed. Theoretically you could run up a bill over $1M - in just one year - and you only pay according to your plan, unusually 10% or $100,000 plus any deductibles.

Some have suggested a national healthcare scheme is the solution where costs are paid with higher income taxes ("healthcare tax") on top of marginal rates. However there are problems with this type of care as well including lower quality care, long wait times for appointments and assigned doctors within a zip code. If all your doctors are bad, too bad.

Here is someone describing a problems with the healthcare scheme in the UK:

Long wait times, short consultations, silly rules, etc

(Its only a brief part of a larger problem of poverty in the UK that I happened to be watching).

What do you think?

Well considering I would be denied private health insurance entirely before Obama I can definitely say our current system is the biggest single improvement in my quality of life that the government has ever passed. Obamacare is a national treasure.

What I imagine is if fskimospy were my son and could not get medical insurance because of a preexisting condition and, say, he was diagnosed with cancer but would require extensive and expensive treatment I would be obliged to go bankrupt to save him which I of course would do. And here comes Obama care. He gets the treatment he needs and me, worthless bastard that I am, get to keep turtling in my house.

You don't have to be sick yourself to profoundly benefit from Obama care.

 

[biostud]

Clearly the US healthcare cost pr. capita exploded around 2010, compared to other countries...

 

[mikeymikec]

Video not available apparently.

It's also not that surprising that FDC has nothing to say in response to my counterpoints in the thread that this thread was forked from.

 

[NWRMidnight]

This was an offshoot of another thread, which should be separate:

I mentioned that the cost of care is very high under the current regime. I have to pay $3,000 out of pocket before my insurance company pays anything, including doctor visits and medicine. This is thanks to Obamacare, which lifted the maximum a policy will pay during its lifetime. If you have a chronic condition or have a bad accident or problem that requires a lifetime of care, the maximum benefits you could claim in the past was $1,000,000 cumulative over how many years you have the policy. Now that cap is removed. Theoretically you could run up a bill over $1M - in just one year - and you only pay according to your plan, unusually 10% or $100,000 plus any deductibles.

Some have suggested a national healthcare scheme is the solution where costs are paid with higher income taxes ("healthcare tax") on top of marginal rates. However there are problems with this type of care as well including lower quality care, long wait times for appointments and assigned doctors within a zip code. If all your doctors are bad, too bad.

Here is someone describing a problems with the healthcare scheme in the UK:

Long wait times, short consultations, silly rules, etc

(Its only a brief part of a larger problem of poverty in the UK that I happened to be watching).

What do you think?

All you have to do is do a little research, looking the last 20 years of health care costs, (premiums/deductibles/etc) via your favorite legitimate search engine, to debunk your claim that Obama care is the reason the cost of health care is very high, or that it has anything to do with the current regime. In fact, the data shows it was effective in reducing costs for a couple years, before such costs returned to the same trajectory as pre Obama care. You also are ignoring influences that directly have effected costs today, such an example is a world wide pandemic that we are still dealing with the repercussions of today. But, of course, you will not take the time to do some research on your own, you will continue to spread falsehoods that are pushed by the right wing networks. Mainly because thinking on your own appears to be something you are not capable of doing, or refuse to apply yourself in making an attempt.

edit: You might want to also take a look at profit's over the last 20 years, specifically insurance companies. Take note on how much the large insurance companies like United Health's profits increased substantially (yes increased) starting in 2015 after Obama care was signed into law.

 

[FelixDeCat]

Ofcourse blame Obama and highlight government healthcare after conservaterrorists ruin it (England).

If you want a government healthcare program to aspire to.. CANADA.

Healthcare tax is around 30% and before you SCREAM..

If you're not a Canadian CITIZEN, you HAVE TO PAY FOR IT OUT OF POCKET!

O' Canada.. land of common sense!

Wow. Lots of people are not even in the 30% marginal bracket. How in the world do you think 30% of your income is a "good deal" for healthcare? Unless you spend hundreds of thousands a year (which very little do), who wins?

 

[FelixDeCat]

Lol what is the Repugican’s plan for common sense healthcare?

Restore the $1M limit. After that you go on risk pool insurance run by states like it used to before Obamacare.

 

[FelixDeCat]

Well considering I would be denied private health insurance entirely before Obama I can definitely say our current system is the biggest single improvement in my quality of life that the government has ever passed. Obamacare is a national treasure.

I was denied too because I was considered "uninsurable" due to a prior existing condition. The only way around that is state run risk pools or going back to work, which I did.

 

[FelixDeCat]

What the fuck is the point of having insurance with lifetime limits? Insurance is in theory supposed to protect you against worst case scenarios. Such a heads I win tails you lose situation where I get to charge you a lot of money every month because you're scared of worst case scenarios with healthcare prices what they are and then if the worst case scenario happens I don't have to pay anyways because fuck you, you're at your lifetime limit. I'm basically just Tony Soprano skimming tribute from you at that point. Also op's a dumbass, healthcare costs have been rising like a rocket since Bush's first term, long before op hated Obama for being a negro.

A lifetime limit allows insures to define maximum losses per person and price an affordable policy. Those who hit the limit need to go find another insurance company and start over, usually that means getting another job to join another group plan.

 

[repoman0]

I think conservatives should run with this plan and advertise it heavily. Tens or hundreds of millions worth of comp packages for insurance executives while the average person can FOAD after a million bucks paid out. Should go over well electorally.

 

[ivwshane]

View attachment 83436
Clearly the US healthcare cost pr. capita exploded around 2010, compared to other countries...

So what you are saying is that you aren’t very good at reading charts.

 

[sactoking]

As someone who knows just a little bit about "Obamacare" I'd like to point out that it also capped the amount insurers can set as annual deductibles, out of pocket maximums, copayments and coinsurance.

 

[NWRMidnight]

A lifetime limit allows insures to define maximum losses per person and price an affordable policy. Those who hit the limit need to go find another insurance company and start over, usually that means getting another job to join another group plan.

if that was true, why are the biggest insurance companies like United Health for example, profit margins increasing substantially year after year, which had a huge jump after Obama Care was enacted? Pretty sure if what you are saying is true, their profit margins would be shrinking, and not growing at a increased rate. Hmmm.. seems like we have some misplaced blame going on here, fueled by ignorance.

 

[Indus]

Wow. Lots of people are not even in the 30% marginal bracket. How in the world do you think 30% of your income is a "good deal" for healthcare? Unless you spend hundreds of thousands a year (which very little do), who wins?

And when you need a CABG, how many years worth of income is that??

Or you wanna go to a 3rd world country to have that done since it's CHEAP?

Also if you're wondering why its so expensive.. check medical school costs and student loan costs.. but oh you don't want to subsidize them do you?

So it all adds up and 30% is FUCKING CHEAP!

 

[Indus]

You know what guys.. Felix has convinced me..

WHY THE FUCK DO I NEED TO PAY for trumpanzees like him?

 

[fskimospy]

Lol what is the Repugican’s plan for common sense healthcare?

As we saw in 2017 they literally don’t have one. The alternative is ‘let people die. Anything other than that is going to be more liberal than Obamacare, not less.