They never had a replacement. Only thing I heard is let people buy insurance across state lines. People flock to get policies in the cheapest state this way in places like New York those policies are worthless.
They never had a replacement. Only thing I heard is let people buy insurance across state lines. People flock to get policies in the cheapest state this way in places like New York those policies are worthless.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.
He also gets the insurance negotiated rates, even if there is a deductible to meet. I've seen list price bills that get sent to my own insurance company that then get cut down before I owe anything.So get a different insurance plan...? You can choose, now.
Might also be worth writing to your congresscritters in support of single payer.
/SSo what you are saying is that you aren’t very good at reading charts.
Those high-risk pools were often incredibly expensive, such that few people would sign up for them.I was denied too because I was considered "uninsurable" do to a prior existing condition. The only way around that is state run risk pools or going back to work, which I did.
The lifetime limit is a bogus policy, partly because healthcare costs basically have an unlimited ceiling, compared to say, replacing a house that gets ripped up by a tornado. And people have an extremely poor ability to judge those future costs. Spend a week in an ICU, or have a baby that needs 1 month in a NICU, or get cancer and watch how your "insurance" ends up being nearly worthless.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.
Alan Grayson was a bit of a prick, but he wasn't wrong when he said the Republican healthcare plan was "don't get sick; but if you do get sick, die quickly."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.
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.
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.
My father has had a relatively long, healthy life. There were blood pressure and glaucoma issues over the years but overall healthy. Then he had a series of problems that led to months in the hospital and rehabilitation centers back and forth, including time in the emergency room and ambulance rides. The total bill was over $750,000.The thing that I don't get about people like FDC is that as soon as you start saying, "I have to fork out thousands for basically any treatment", that's bankrupted shedloads of people right away. How bad does "socialised healthcare" have to be as an alternative? As far as I'm concerned (Brit who gets "socialised healthcare"), the NHS would have to be so dysfunctional that most people would rather pay for privatised healthcare.
The only healthcare I have ever paid for are my prescriptions. As it is better value for me with a chronic condition, I pay a direct debit of ~£10/month to get as many prescriptions as I need per month. Once I reach a certain age I won't have to pay for prescriptions any more.
My dad would have been bankrupted several times over to pay for the healthcare he had in his life (two broken legs, glaucoma, cataracts, triple heart bypass, pacemaker, stent, hip replacement). Instead, he paid for the single year he lived in a care home for.
My dad had a more prosperous time in his career during which he paid for private healthcare coverage (BUPA). Every time he was diagnosed with something new, they wouldn't cover him for that condition. The mind boggles that anyone would think that's a better option than socialised healthcare. The last thing that someone having say a heart attack should be worrying about is the bill. It's insane.
Then please, feel free to share your thoughts on the plusses and minuses. I think what we had before Obamacare was more affordable since most things were partially paid up to your deductible. I used to have a $1,700 ded, now its $3000-4,000 + 10%.
Nothing stopping you from choosing a co-pay based plan instead of a HDHP. My employer offers some like that. However, I choose the HDHP with an HSA because it's a better value for my family's level of spending at this moment in time.Also, they used to limit copays on doctor visists, medicine, etc. Now you pay 100% until you reach $3,000, excluding certain situations like preventive care, etc. Most people do not go to the doctor if there is nothing wrong, so thats usually a waste of time.
so you approve of the fact that the government-run healthcare covered 99.333% of his costs?My father has had a relatively long, healthy life. There were blood pressure and glaucoma issues over the years but overall healthy. Then he had a series of problems that led to months in the hospital and rehabilitation centers back and forth, including time in the emergency room and ambulance rides. The total bill was over $750,000.
However, because he was on Medicare with co-insurance his total out of pocket was about $5,000, which was covered by an HSA from a retirement plan - from my mother paid by Siemens, a German company she retired from in the US.
Total cost? Zero.
LOL wanting a $1 million limit in a nation where a 15 mile ambulance ride costs you $3000 despite the EMT's trying to save your life making a shitty $17 an hour.Restore the $1M limit. After that you go on risk pool insurance run by states like it used to before Obamacare.
Indeed, Fekux is now on record for suporting medicare expansion.so you approve of the fact that the government-run healthcare covered 99.333% of his costs?
I did get cancer and it required expensive and extensive treatment that I did end up getting public subsidies for (and that I am profoundly grateful for) but only after I lost every dime of my savings that I had spent years building up.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.
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?
Do you even know anything about Obama Care, or is it only what you have been lead to believe from your right wing handlers, which is pure nonsense?Sure, UNH reported record profits because they dont pay for a damn thing on the first $3,000 in losses - you do! They used to have limits on ("copays") on doctor visits, medicine, etc. Now you pay the first 100% up to $3,000 depending on the type of plan you have.
This must have happened before Obamacare became available to you as I assume you would not have been wiped out otherwise. Others have children who perhaps have disabilities and no income or savings of their own and wiped out instead. Had you as my son been and covered originally you would of course still have your savings and would inherit my Prop 13 tax rate along with my house. Then you could sell or voluntarily donate your tax savings to the state.I did get cancer and it required expensive and extensive treatment that I did end up getting public subsidies for (and that I am profoundly grateful for) but only after I lost every dime of my savings that I had spent years building up.
Keep turtling in that house though.
We have a copay plan at work, but they have a neat little trick to make sure they still get $3,000 before you save anything. The premium payment difference between the HDHP and the co-pay plan have a difference of exactly $3,000 over 12 months.View attachment 83439
You can still have stuff partially or fully covered before your deductible. Preventative care visits and vaccines are one of those items. And thanks to a rule change the IRS made under the Trump administration, some maintenance medications can also have cost-sharing before the deductible.
Nothing stopping you from choosing a co-pay based plan instead of a HDHP. My employer offers some like that. However, I choose the HDHP with an HSA because it's a better value for my family's level of spending at this moment in time.
Um... that's the whole fucking tradeoff, isn't it?We have a copay plan at work, but they have a neat little trick to make sure they still get $3,000 before you save anything. The premium payment difference between the HDHP and the co-pay plan have a difference of exactly $3,000 over 12 months.
In the end you still pay $3,000 no matter what, except in the HDHP, if you dont see the doctor or get medication, all you pay is the premiums and nothing else, saving $3,000....BUT NO HEALTHCARE!
Thank you for pointing out the obvious. People forget how long ago the ACA was implemented and how much inflation has affected things since then (ironically, much of which is due to people like Felix).View attachment 83439
You can still have stuff partially or fully covered before your deductible. Preventative care visits and vaccines are one of those items. And thanks to a rule change the IRS made under the Trump administration, some maintenance medications can also have cost-sharing before the deductible.
Nothing stopping you from choosing a co-pay based plan instead of a HDHP. My employer offers some like that. However, I choose the HDHP with an HSA because it's a better value for my family's level of spending at this moment in time.
Do you even know anything about Obama Care, or is it only what you have been lead to believe from your right wing handlers, which is pure nonsense?
First, Deductibles have been around long before Obama care came along.. We are talking decades. Nothing has changed except what is the meat of my second point: Obama car actually did the opposite of what you are claiming.. Obama care made it so private health plans must provide coverage for a range of recommended preventive services and may not impose cost-sharing (such as copayments, deductibles, or co-insurance) on patients receiving these services. Obama Care actually SET limits for consumer spending on in-network essential health benefits (EHBs) covered under most health plans. These are known as out-of-pocket (OOP) maximum limits. OOP maximums include deductibles, copays and coinsurance costs paid by consumers. (Non of that existed before Obama care) Prior to Obama care, There where deductibles, that had no useful limits (IE some of the deductibles where impossible to hit without a major life threatening medical issue) , there where preventive care costs that the insurance company WOULD NOT COVER at all, or you had to pay a portion of. There where NO limits on copays, or a limit on out of pocket costs. Copays where determined before Obama care by negotiations between the employer, insurance company, and/or the plans they developed and/or chose.
What does that prove? That you are ignorant, and everything you are claiming is false. As there are preventive care services that you get for no cost that are not applied to your deductible, which means you pay NOTHING for those services outside of your monthly health insurance premiums. You are 100% full of shit, when you state you pay 100% of all health care up to $3000. Prior to Obama care, all of those care services where applied to your deductible, and the insurance company paid NOTHING until after you exhausted your deductible depending on the plan, which is opposite of what you are claiming. Which means prior to Obama care, you did pay 100% up to your $3000 deductible, no matter the care services received, that is not the case now.
You're always a stickler for following rules, except when you get caught up in them.Sorry, but no. Under my plan, I have to pay $3,000 before they pay anything thats not considered "preventative". Even worse, if they dont think your care or treatment was medically necessary, they wont pay jack shit or give you credit for your deductible.
Example - last year I got an intravenous iron injection that cost $4,000. The insurance company said they would not pay even though the primary and specialist doctors both said it was necessary. I got stuck with the bill! Thankfully after almost a year of haggling with the worthless insurance company and getting rejected, I negotiated with the hospital directly for $1,500 cash.
And no, I did not even get credit on my deductible. Thanks Obamacare!
Umm what? We don't pay 30% of our income into healthcare. We pay about one third for income tax, out of which healthcare is a portion. I am gonna guess healthcare is maybe a third of total tax expenditure.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!