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Obamacare's Next Hurdle: Getting People To Pay
Healthcare.gov may or may not be fixed, depending on who one listens to (and if one reads the WSJ's, "Errors Continue to Plague Government Health Site" this morning, there is much more fixing left despite the administration's most sincere promises), but a greater issue is already looming: payment. "We have a bigger number of applicants than people who have paid," Aetna Chief Financial Officer Shawn Guertin said in an interview today in New York. "That’s a situation that I am a little bit worried about, that people will think they have completed the process but haven’t paid the premium yet." Whether Americans didn't realize there would be an actual payment involved in America's socialized healthcare system, or simply there is too much confusion over how the process is run, is irrelevant - the bottom line is that for whatever reason people are simply not paying their premiums.
As Bloomberg reports, the disjointed process of having customers shop through the government-run marketplace and then pay insurers separately has created a risk that people who have chosen a plan won’t actually be covered Jan. 1. And if people don’t pay by Dec. 31, insurers may end up stuck with a disproportionate number of sicker and costlier customers.
“You have to remember that many times we are dealing with low-income people,” Robert Laszewski, an Alexandria, Virginia-based consultant to carriers, said in a telephone interview last week. “They signed up and they certainly want the insurance, but do they have the money or have they changed their mind by Dec. 31? Nobody’s done this before.”
And while the government has been touting the surge in sign up numbers, with the CMMS announcing yesterday that some 365,000 people have signed up for a private plan through November, what the government has not said is how many of these people have already paid their premium. Judging by the Aetna CFO remarks there is a major, gaping discrepancy between the two. And even if people do expect to get completely free healthcare, that is not what Obamacare is about, at least not yet. So suddenly Obama may have a situation where he has millions signed up for the ACA, and only a fraction has actually paid. Recall that Obama has a goal of 7 million sign ups by the March 31 end of open enrollment.
In the meantime, while it remains to be seen if the new plans will be feasible, the old healthcare plans have already been largely scrapped.
Aetna, based in Hartford, Connecticut, also said it faces too many administrative hurdles to reinstate policies that it’s terminating next year because they don’t meet the new standards set by the health law. Hundreds of thousands of people around the country have gotten cancellation notices from insurers this year, prompting a political firestorm for President Barack Obama.
Obama responded last month by giving insurers and state regulators the option of extending the policies by an extra year. Aetna decided it would be too difficult to do in time for Jan. 1, Guertin said. Some customers were able to renew their policies early before the termination notices arrived. Guertin declined to say how many.
“It gets them a plan frankly that we’re ready to service,” he said. “It would just be too administratively burdensome to try to get everything ready to restore all the old plans.”
Well, nobody said central planning works everywhere. The good news that for now, at least, the fourth - monetary - branch of government is offsetting any and all other disappointments created by the legislative and executive. Because no matter how vast the shock, or how acute the disappointment, one can always point to an S&P that is just shy of all time highs. And all is well if the "markets" say it is...
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Why pay when that shitbag oblowhard admin is effectively ordering insurance companies to provide insurance for those who dont pay?
And isnt ordering services to be provided for zero compensation called "slavery?"
Waaaaaa'd? It's Not Free???
Gimme My Money Back...
Obama said all I had to do was help him, and he would help me. I'll never have to worry about paying for (mortgage, car, healthcare) again.
Obama care. the cluesterfuck that keeps on fucking, and this is just the peak of the tip of the iceburg.
I am becoming convinced that anarcho-capitalism is actually a more honest and less violent way to live.
could someone draw a cartoon with .gov guy proudly presenting to peers Obamacare in 1 chart:
you can't afford healthcare:
-> we force you to buy healthcare
you already have healthcare:
-> we force you to change healthcare
government guy: problem solved!
other .govs: brilliant! remarkable! astounding!
<-- Obamacare is utter fail, Boy King is public hang
<-- Obamacare is utter fail, Boy King is declare dictatorship
This is politic between stone and hard placement.
"I'll gladly pay you Tuesday for a healthcare plan today."
I'll be 'fine' with my healthcare opt-out, good luck collecting you .Gov pricks...
So we're asking people who currently don't pay for their medical care to pay for their medical care, and telling them how great a deal that is for them, as compared to walking into the ER and tossing the bill in the trash on the way out.
What could go wrong?
The new Obamataxcare scam's official theme song. You picked a fine time to leave me Blue Shield...
Isn't Obamacare free?
Taxes have gone up to pay for it, so it must be free for its users. Surely.
- P.J. O'Rourke
Maybe P.J. was right afterall...
I feel for the people that the ACA is affecting, but I am also enjoying it coming unraveled and watching Obama twist in the wind.
Boris is also enjoy dog and puppy show, but now is trigger high cholesterol and diabetes because consumption of popcorn and soda. Please already, Obamacare, crash and burn. Is like watch bloody detergent operetta cliff-hanging. Can already economy of USSA kick barrel!?
Dog and puppy show. Haha.
So when do we get the free heroin again?
Only heroin can dull the pain that being raped by Obamacare has given me.
heh.. heh where the rubber meets the road..
..and now the timing is right..
the next election will see the plebes doing a number on vain incumbents.
...(unless the whole system is rigged beyond conventional repair)
oh.. and maybe a strong 7.5/375 hydrocodone will dull that horrid anal pain.. but I refuse to accept that imposition and I am no doctor so seek help from a government certified professional.
there was an interesting Jack Nicholson awards ceremony comment youtube re. Scotch and Vicoden but it looks like it got scrubbed.
"as compared to walking into the ER and tossing the bill in the trash on the way out."
What makes you think they're going to stop doing that? "I'm Enrolled! Didn't pay for it, but I'm enrolled. Send the bill to Obama. See ya later, suckers."
Hi Gang.
Wonder where bailouts part two would occur?
Wonder no more; they will bail out the health insurers.
No line between government/corporations, none; politics is the distraction.
In the private sector, "Enrollment" would be defined as a policy having been paid for and issued. Not in the Orwellian world of .Gov, of course.
The other item NOT being mentioned in the MSM is that the number of people being directed into Medicaid is about THREE times, the numbers who have "Enrolled" into a private plan (But not yet necessarily paid. Expect about 70% not to pay based on online commerce data). Medicaid re-imbursements to and restrictions on physicians are resulting in more physicians refusing to take Medicaid patients. So expect all of these patients to use the ER, the most expensive outcome. This will push up provider costs which in turn will push up premiums which in turn will make it less likely that people will "Enroll", especially young people. This "Advrse selection (Where only the old, sick and with pre-existing conditions, will "Enroll" will also push up insurer costs, which will further push up premiums, which means that even fewer people will "Enroll", especially the young. Rinse, repeat all of the above.
This is simply NOT workable and Obamacre will implode, leaving even more people than before with health cover. The problem with that is that, in minds of the socialist "Progressives" that will be confirmation that a "Single payer" system should have been used and is, in fact, the only solution. This would put 65% of US GDP under the control of .Gov, higher than socialist France, would delight the "Progressives". And with the FSA now controlling the vote, private sector solutions where people have to accept responsibility and actually pay for healthcare, that will be difficult to prevent.
We are still in Round 1 and this thing still has a long way to go.
Just wait...Doctors will be told they have to take Medicare paitents if they want to keep their license to practice.
The Republicrats won't be able to turn back the preexisting conditions and coverage for all any more than S.S. or immigration.
The kleptoligarchy marches forward; left leg/right leg for the good of the corporate/.gov machine, dragging the body public along.
Yes, I'm sure they will try. Remeber that Licenses, however, are under the control of the States, not the Feds. That might be another interesting test of whether there is still a document previously known as The Constitution?.
Doctors way way back around the Federal Reserve era, went in bed with their government cartel license to pratice. Kind of like going partners with The Mob. Eventually they come for you...They're rich, according to The One, very white, often Jewish and few.
The IRS will garnish your wages, your bank account, and your first-born child.
They're gonna get their "pound of flesh."
What wages? Bank account? These are laid-off workers and the gov't already took their kids years ago.
Their kids could be sent back!
The government can only take your stuff if you keep it in a place where they can rob you of it at will. Anything in the bank is their's for the taking. All your paper bases are belong to them. You can pay on your mortgage for 30 years and pay it off, but you still don't own a home - you own paper. They already own your first-born child and any other children you may have. They are simply waiting until the child becomes productive before they assume title. You'd be a fool to stay in a job where they are garnishing your wage - better to join the FSA and be a burden - the faster to take this sucker down, because no matter what you do, when the government and the banks get desperate enough they'll come for what you think is your property. Nothing you think you own is actually yours, but is an asset of the state (up to and including your person). Just ask the Kuluks - oh wait, everything they owned was confiscated and they were wiped out.
I will be happy to parcel out my possessions to the kleptocrats ... one piece of lead at a time.
DIS-O-BEY
I ain't paying .gov shit. In fact, it's about time to start getting some of it back.
I practice civil disobedience every day.
"The IRS will garnish your wages, your bank account, and your first-born child.
They're gonna get their "pound of flesh."
. . .sarcasm?
Obstruction of justice
http://en.wikipedia.org/wiki/Obstruction_of_justice
Obama and Obamacare is collapsing under it's own weight of stupidity and disconnection from reality.
Yea, until they lock in the IRS, your refund, and wage garnishment to pay for your forced plan. It's comming soon....
Which leads back to...the need to oppose the so-called cashless society at every turn...no matter what they choose to call it. Credit, Bits, debit...whatever.
Money needs to circulate freely among the people, unencumbered by anything or society will be enslaved.
Yes, for now, that includes Benny-Yellen Bucks.
And stop filing tax returns electronically! Mail in the paper forms and force the IRS to keywhack the entries.....
This is extremely important and can't be emphasized enough. This iincludes all those 1099s that they require you to issue too. Why do their work for them, as it contributes to the ever-tightening grasp they hold over us? Bury them in paperwork. Spread the word.
Great idea, but it doen't help. I have sources, and the worst thing about paper file is that they just start making "mistakes" to come audit you with. Just think about an IRS employee typing shit in all day, and just adding a number here or there. E-file, and hide your gold well.
Still have the paper record and paper copies on file.
Unlike electronic voting.
"This is politic between stone and hard placement."
Way too funny.
Darn Boris, is poetical how you so politely speak your politics well. Good works man!
Big huge Merry Blessings, and a Happier Christmas to ya!
If you think the company store is practically any different, then I have a bridge to sell you...
Pay? The FSA gonna love this....if you don't want to pay for your healthcare then you don't have to pay for your healthcare.....
What country have we turned into
Josie the Outlaw agrees.
http://www.youtube.com/watch?v=2eZC98kOtec
As does Larken Rose: https://www.youtube.com/watch?v=KQ9w1HHRMQw
Good. Many sheep will be frightened by Larkin Rose but this girl can get through to them.
this is good also... http://www.youtube.com/watch?v=20RoAfflGCM
Seems like just yesterday the statists thought they were sailing into Fantasy Island on the frikkin' Love Boat. Now it's morphing into The Titanic before their eyes. Couldn't happen to a nicer bunch of elitest jerks. O-bongwater FOR THE WIN :-)
Anarchy bitchez!
"Obama care. the cluesterfuck that keeps on fucking, and this is just the peak of the tip of the iceburg."
Yo, What?
Naw, this is just another distraction from the overall goal of killing off the species.
The ELE in fukushima is the CF that keeps on fracking...the never ending peak...is still coming.
Between celestial events and flyby/impacts, and the radioactive killing death machine being used by rottentick banksters that own everything, not much will matter in the potential possible coming future of the shake...rattle...and roll.
http://www.youtube.com/watch?v=GC-7JYAtuEY
Because I am self employed my individual policy was ended. I have had to spend countless hours on that stupid fucking website. Now I have been offered a plan and am trying to pay for it and no one will tell me how. I was on the phone with Blue Cross yesterday and said please just take my credit card number and issue the fucking policy, time is short. No, can't do that. So at least in my case I cant wait to pay but no one will send me a fucking bill.
Said this many times. This thing is designed to fail. Single payer on the way, count on it.
The Democrats have your back. They won't force anyone to get an ID for voting because that is an undue burden for people. So feel good, you won't need to pay $5 every 5 years or so for an ID to vote.
Voting: Hoping you matter by pretending to have a say.
"Vote Guillotine! Putting all their heads together for a solution."
Don't worry, they will just be directly debiting your paycheck / bank accounts / brokerage accounts / 401k / IRA when they figure out how much money they want you to pay to cover all the leeches.
How much will they take? My guess is all of it, whether you are already covered by private healthcare or not.
Presuming that the self employed insurance premium deduction is still viable in 2014, then I'd say why not just go through blue cross directly? My wife is self employed and we signed her up yesterday through their website (outside of the exchange) and it took about 5 minutes... further, you'll get a receipt for the total and you'll have to input your method of payment... so, no guesswork as to that end of it.
Do you even qualify for credits for your premium? If not, then just forego the exchange and hit up the insurers directly...
If you are entitled to a subsidy you can only get it through the exchange. He may be entitled to a subsidy depending on his income. If that's the case he has to go through the exchange.
exactly, I posted on this about a week ago. I know many many young solo attorneys who think they qualify (as the economy sucks) and I am sure there are numerous contractors, small shop owners, home busines etc who qualify but no one knows a goddamn thing.
Here in Washington (and I bet other states) the whole online thing is fucked up the same way and has stonewalled our insurance brokers. The written app is correct for net icnome, the online is not. My wife and I emailed the author of this article yesterday directly and he got back to us.
Same place as you, Nuts- while I could easily afford to pay whatever number Obama comes up with for my new policy, I haven't yet dealt with anyone who has a clue about what I'm signing up for-
That's fine, I'll just take my premium cash and sit on the sidelines- hey, want to penalize me for it? Go right ahead- I don't pay for something I can't understand to those who don't understand.
sounds like a good time to remain bullish on deficit reduction.
I just checked out ehealthinsurance.com where they will quote prices. I did the 2014 and you can get all the insurance companies but it is bronze, silver and gold and the prices are a lot higher. This is total shit.
I'm SE and I knew my catastrophic plan was doomed years ago, so I torched it. I use only cash to pay for tests and doctor visits and will only use facilities that accept pre-paid, price-fixed procedures going forward(like Surgery Center of Oklahoma). From reading postings, I gather that even local hospitals are agreeing to fixed price costs for procedures rather than losing the business to out-of-state facilities. If you go into a hospital with an insurance plan, everything is up for negotiation. If you have to go to the ER with no insurance, lose your wallet, say 'No habla Englais' and ride the wave to non-indebtedness. For this reason I am learning Spanish(Mexican). There's always more than one way to beat the system...
Love it. I've got a local practice that really works with people without insurance (like me). If you pay in full on the day of service they give a big discount. Smart. Hope it spreads.
And, you don't really want to be a "frijolero".
"Because I am self employed my individual policy was ended. I have had to spend countless hours on that stupid fucking website. Now I have been offered a plan and am trying to pay for it and no one will tell me how. "
Why are you bothering? After Jan 1, Healthcare is merely a tax. If your medical bills exceed the cost of the deductable and the sum of your premiums, the Insurance company just raises your premiums to match your medical bills. There is nothing in ASA that prevents insurance companies from jacking up your premiums to match or exceed your medical expenses.
I am sure you seen all the articles about people with pre-existing conditions see their premiums increase to match there medical costs. basically you're paying a boat load for nothing. why bother throwing good money down a rat hole. Save your money for your medical expendures.
"If your medical bills exceed the cost of the deductible and the sum of your premiums, the Insurance company just raises your premiums to match your medical bills."
Oh, that it were that simple. Insurance is based on the art of spreading risk over large numbers. More succinctly, if everyone's medical bills exceed the cost of the deductible and the sum of premiums, the insurance company raises everyone's premiums to match their bills. If you require little medical attention, you get penalized for the poorer health of your fellow policyholders. When someone SE bought private insurance before, he became a member of the group of SE covered by that insurance company (actually the proper term is risk pool, but group will be understood by more peeps). That is what is so insidious about ACA drawing all the pre-existing conditions who were the first to sign up. That new group will be all ACA members.
"Oh, that it were that simple. Insurance is based on the art of spreading risk over large numbers."
It is that simple. Its not insurance anymore, its a tax! Look at all of the people with pre-exisitng conditions see there premiums increase to match there medical costs.
"That is what is so insidious about ACA drawing all the pre-existing conditions who were the first to sign up."
Only a tiny few that did sign up did pay the premiums to enroll. I doubt anyone who has a pre-exisitng condition that didn't have coverage was able to afford the premiums. Its just a giant farse and offers zero protection. I've seen articles about single mothers working at a part-time minimum wage get declined the subsidy. Even if a person does get the premium subsidy they still have to come up with the $6K deductable every year. If they qualify for the subsidy they certainly can't afford the deductable anyway. Everyone gets screwed except perhaps those exempt from ACA and the Medical Insurance companies.
"Well, nobody said central planning works everywhere."
Give me one single time where central planning has worked without some form of sick ars abuse.
“They signed up and they certainly want the insurance, but do they have the money or have they changed their mind by Dec. 31? Nobody’s done this before.”
Statist minds create policy but have a part of the brain missing when it comes to realizing the horrorible residual effects of that policy. They're retarded that way!
YOU FIRST HAVE TO PAY FOR IT TO KNOW WHAT'S INSIDE OF IT!!!
On getting people tp pay:
1) Put gun to temple of ObamaCare 'freeloader' and extend other hand
2) Receive wallet in free hand
3) Tell customer "You've made a wise decision," and leave
But website has no way to pay for it. That part hasn't even been written yet.
If you like your payment.....you can keep your payment.
"If you like your payment.....you can keep your payment."
if you like your payment, you can double your payment"
If you like your payment, your going to miss it when we double or triple it!
It is a huge tax on the middle class and a take over of healthcare by SEIU, La Raza, ACORN and other community organizer types.
If you ran healthcare on einsurance.com in early 2013 versus now for 2014 with bronze, silver and gold. I am not pimping that web site but they list prices quickly and easily. They have the same companies like Aetna, Utd Health, Humana, Coventry, etc. The coverage in 2014 is a lot less and almost 40 to 60% more for LESS!
Even worse, it's not insurance at all. Insurance is a rated assumption of a quantifiable risk. Obamacare, on the other hand, seeks to give coverage to millions for whom illness and/or injury are not a risk, but rather a certainty --i.e., those with pre-existing conditions. The only way to cover such persons is to simply redistribute the wealth of others to pay for their care.
FSA motto = "PAY FOR NOTHING, YES WE CAN!"
Its not frrreeeeeee!?!?!?
/////////////
Well looky here...the Colorado school shooter was a socialist:
"Thomas Conrad, who had an economics class with the gunman, described him as a very opinionated Socialist."
http://72.30.186.176/search/srpcache?ei=UTF-8&p=http%3A%2F%2Fwww.denverpost.com%2Fnews%2Fci_24721367%2Farapahoe-high-gunman-held-strong-political-beliefs-classmates&fr=yfp-t-900&u=http://cc.bingj.com/cache.aspx?q=http%3a%2f%2fwww.denverpost.com%2fnews%2fci_24721367%2farapahoe-high-gunman-held-strong-political-beliefs-classmates&d=27023331620422744&mkt=en-US&setlang=en-US&w=4-wAoHlzJx5k1aogrMrZSPlKXrWNIQpP&icp=1&.intl=us&sig=3xNjaKqLLoiuQqjSoe4fUg
I knew his mind wasn't right ;-)
Ban all leftists from owning guns, knives, scissors, screwdrivers, leftist cops and millitary included, as to be on the left one has to have a serious mental disorder in order to want to enslave all of humanity, and with such smugness nonetheless.
Some digging was necessary but turns out that's essentially correct. It wasn't easy to find out the truth. Wonder why?
Sort of like stories on 'knockout game' leave out one important thread running through them all. MSM sucks.
You link doesn't work by the way.
"Some digging was necessary but turns out that's essentially correct. It wasn't easy to find out the truth. Wonder why?"
The Denver Post edited out "socialist". Here's how it reads now:
"Thomas Conrad, who had an economics class with Pierson, described him as very opinionated."
http://www.denverpost.com/news/ci_24721367/arapahoe-high-gunman-held-strong-political-beliefs-classmates
All the news thats fit to print or fits their propaganda point of view...or sumpin ;-)
Credibility is all that's at stake, right? It's not like anybody wants to know the truth or anything.
Truth is a hard thing to swallow for many people ;-)
some truths cannot be made evident, lest it be known and destroy the leftist agenda.
truth!!!
And lets not forget the dissembling & obfuscation that accompanies the attempt to block truth. These are also clear indicators of a lie.
Truth can stand on its own...it doesn't need "but ifs, what ifs, but they's, clarifications or modification"...it just is.
Well looky here...the Colorado school shooter was a socialist:
"Thomas Conrad, who had an economics class with the gunman, described him as a very opinionated Socialist."
http://72.30.186.176/search/srpcache?ei=UTF-8&p=http%3A%2F%2Fwww.denverpost.com%2Fnews%2Fci_24721367%2Farapahoe-high-gunman-held-strong-political-beliefs-classmates&fr=yfp-t-900&u=http://cc.bingj.com/cache.aspx?q=http%3a%2f%2fwww.denverpost.com%2fnews%2fci_24721367%2farapahoe-high-gunman-held-strong-political-beliefs-classmates&d=27023331620422744&mkt=en-US&setlang=en-US&w=4-wAoHlzJx5k1aogrMrZSPlKXrWNIQpP&icp=1&.intl=us&sig=3xNjaKqLLoiuQqjSoe4fUg
Sorry man, already memory holed, but you can find a report on the now missing quote here:
http://www.mediaite.com/online/denver-post-stealth-edits-out-socialist-f...
The MSM is just like clockwork, very reliable...lol.
The story includes a passage saying he had an issue with "a teacher who he believed had wronged him." Socialist that he was, perhaps the shooter was upset that the teacher didn't redistribute some other students' higher grades to his own worthless butt.
LOL
He was upset that they failed to apply the bell curve. A socialist masterpiece.
I am sure whatever SSRI coctail the shooter was on made it seem like a good idea at the time.
He was after the librarian - who was the leader of the speech / debate team. The shooter had recently been kicked off of the speech team, and the librarian had disciplined him in some way.
Waiting on the drug overdose report.
http://www.ssristories.com/index.php
The website matches Obamacare.Garbage in, garbage out.
I will not comply, I will not obey.
You can take you're Obamacare and shove it.
I'll second that!
I am opting out. No point since Health insurance is no longer insurance but mearly a tax. When your medical costs exceed the deductible and the sum of your premiums, they will just increase your premiums to match your medical costs. Paying for nothing is just plain dumb!
Government equals failure, 100% of the time. What a shame that we have to be stuck with these jokers year after year.
Anarcho-capitalism starting to look pretty good. At least then if some clown tries to rob me to make his life more comfortable, I'll be able to shoot back and not have to worry about getting put in a cage.
Isn't that an oxymoron?
"Sincere promises" is a phrase synonymous with "lies" where most politicians are concerned.
The FSA will be reeling back with shock, in stunned amazment, that anything O came up with actually involved payment.
Poor bastards, their hope got changed.
I already have Medicare and will pay more to get less in 2014. Is there any chance I can get an Obamacare subsidy to meke up for the difference?
No. That is the correct answer, regardless of whether your question was serious or not.
"So suddenly Obama may have a situation where he has millions signed up for the ACA, and only a fraction has actually paid."
How predictable was this? Has nothing to do with a bad website either. As with Medicare, Medicaid and EVERY OTHER entitlement in U.S. history, the cost will be EXPONENTIALLY LARGER than anyone estimated. Looks like we're setting up to read the following headline in the next month or so:
"Costs of Obamacare Blowing Through Estimates as Premium Subsidies Soar"
Just like how the Iraqi oil revenues where going to pay for operation freedom fries.
Sorry I could'nt pay, I was doing kegstands. Can you fix my broken back now ?
NO PROB! AND DO YOU NEED ANOTHER KEG?!?
unless you have a job... than we can't help ya...
Welcome to Healthcare.gov Abort, Retry, Fail?
STOP THE JOKES OR WE'LL 404 YOU!!!
Political jokes are an American tradition. We get to elect one every four years.
"Welcome to Healthcare.gov Abort, Retry, Fail?"
Well this does finally answer the question "Who is General Failure and why is reading all my data?". Clearly its Obama with a little help from the NSA.
But I wants me the free version. Besides the 71% IMF tax will pay for everything. Everything.
Not surprising since the same people who signed up are the same people who ride public transportation.
Yes, and right at Christmas time. This should help the retail sales...
I just signed up on Obamacare this morning. It took me 2.6 seconds and it told me I not only don't have to pay, but it will pay me $700/month just to post comments supporting Obamacare. I also get free hookers.
If you liked your VD, you can spread it. Free birth control for all.
Sounds like you may have applied for a secret service position and were hired instead of OCare.
Do they supply the blow, or is that extra?
Don't know how this came up in a search but there it is(link). Obamacare: Get Insurance and Make Money - A Step by Step Guide (The Win-Win Series) It was actually free a few days ago...this crap is gettin way to weird for me...(Disclaimer; No, I haven't read it.)
extract from the reviews for Obamacare: Get Insurance and Make Money - A Step by Step Guide (The Win-Win Series):
By the way, I was shocked to learn in this book, the health industry is looting America and how my own wages are used to fund my healthcare benefits. It's my own money and I thought all along I was getting free health insurance from my employer-I feel so cheated!! I would rather get paid a higher salary then have my lame group health plan. - Cathy C.
"just signed up on Obamacare this morning. It took me 2.6 seconds and it told me I not only don't have to pay, but it will pay me $700/month just"
Odd! Today I recieved an e-mail from a Kenyan King promising me free healthcare, all I need to do is provide him with all my financial information including bank account numbers, SSN etc. Once I send this information to him, hes promissing all sorts of free stuff? Do you guys think this deal is for real?
You mean Obama ain't pickin' up the bill? Well, how fair is THAT? He said we HAD to sign up... so natch, he's payin' right?
I wonder if the website has a "cancel" button after you've selected a plan? Or if - once in the system - always in the system?
Sorry - sincere question - what is the procedure ? You visit this website, enter your personal info, select a plan (put it in your cart) ... and then you are expected to "checkout now" ? Is there an option - "Please bill me later" or "Send me an invoice" ? Does the selected insurance company bill the customer ? Do you only truely "commit" to the purchase when you pay ? Is there a Paypal option ?
6 Months - No Pmts if you get our VISA!!
:)
This shit is solid gold comedy.
Somewhere Hunter S Thompson is smoking a big fattie and cackling his ass off!!
Off to Puerto Rico for 3 weeks of 25th Anniversary Rum & Sun.
Where do the years go??
My SINCERE Best Wishes to All of You and Yours!
Happy New Year's Bitchez!
Congrats - 30+ here.
Permanent Tequila and Sun :-)
Feliz Navidad.
All kidding aside - How does it work ?
The only reason to bother with the ACA website in your state is if you think you qualify for a premium tax credit. If you don't qualify for the credit, you should be going directly to the insurance company - or though an insurance broker if you don' know what company you want.
Regarding the state website - you enter in all the data they ask for, including financial data. The website calculates whether you qualify for a premium tax credit. If your income minus expenses is too low, the only health insurance plan the website will offer you is Medicaid (seriously).
You will be offered the option of paying your first month's premium through the website or getting billed. This information is then forwarded to the insurance company you selected. If you asked to be billed, it will be the insurance company you selected that will bill you.
The website only acts as a middle-man - bringing you and the insurance company you chose together. Once you two shake hands electronically, all other business is conducted directly between you and the insurance company you chose.
No policy will go into effect until the first payment is received by the chosen insurance company.
If you qualify for a premium tax credit, and make your first premium payment, you immediately qualify for the 90-day grace period. You can go 90 days without paying your premium and the insurance company cannot cancel your policy. They can cancel you policy for non-payment of premium if you haven't brought your account current by Day 91 after the first missed premium payment.
If you don't pay your premium, after you have made at least one payment, the insurance company must cover all medical expenses in the first 30 days after missing your payment. They are not required to cover any of your medical expenses on Day 31 - Day 90 of the grace period. If you have seen your doctor during this time, and you don't bring your premium current, he just saw you for free.
When your plan is cancelled, you can go to another insurance company on the exchange and start all over again.
http://www.cbpp.org/files/QA-on-Premium-Credits.pdf
But if they pay, he won't get his coveted single payer system because the insurance companies will still remain solvent. That's not what he wants. He wants insolvent insurance companies.
He wants insolvent America.
fixed it for ya
He wants insolvent insurance companies.
Given the history of how the ACA was put together, what was left out by demand of the insurance industry, and the fact that at least the Senate version was written mainly by an insurance company executive, it is difficult to find proof that your comment is correct.
Which is an issue completely separate from whether the ultimate goal is a single-payer system. I think it has been acknowledged a number of times that this is the ultimate goal.
sorry obummercare, but the fed and the other bankers have stolen enough of our labor as it is, there is nothing left to steal
SUCK IT
~~~
IT'S OKAY! WE ONLY NEED YOUR KID TO SIGN FOR IT!
THE YOUNGER THE BETTER!
MY GOLDFISH BUBBLES NEEDS A CATSCAN....
HE'S UNEMPLOYED SO IT'S FREE RIGHT?!?!
When ACA enrollment continues to falter. The sexiest point man to advertise ACA fails. What does one do too prop up social conformance?
Electric Six - Gay bar (Uncensored)- Don’t forget the ending of video. Priceless.
But they are already aware of how you use the high heath care risk setters to fund a new Ponzi scheme. In case you forgot.
Spiritual Fascism
Those poor metrosexual society closet guests never knew their real significance in life.. winks!
You don't have to pay for an Obamaphone, why should you have to pay for Obamacare?
I has ta pay? Screw that. If it ain't free I don'ts wants it.
The Lord of the Rings: The Return of the King (1/9) Movie CLIP - My Precious (2003) HD
http://www.youtube.com/watch?v=GhF060VmS1g (2:34)
Sneaky Little Hobbitses - The Lord of the Rings: The Two Towers (5/9) Movie CLIP (2002) HD
http://www.youtube.com/watch?v=O_aziIIp8U8 (2:43)
Obama is now sitting back admiring his handy work. Thinking the failure is going better than even he could imagine.
In all my travels up & down and to & fro in this fair city, cafe to cabaret, I have not heard a single conversation concerning the ACA or "signing up".
I get the feeling everyone is just ignoring the monstrosity that is the Affordable Care Act
Somehow or other the 7 million will be signed up when Messiah said they would be. They will find a way to redefine 'signed up' and the number will be reached.
I also speculate the Administration will think long & hard before taking any more Draconian steps to push this unnatural act on the publick and esp. to collect.
Maybe an extension to a due date past the 2014 election.
The thing is a total, abject failure and will limp along and get pushed out until it is gone a-la Real I.D. ... jmvho.
I am personally enjoying every minute of this train wreck from the sidelines. I will never sign up and push to shove I am going off the radar even moar. I will electronically cease to exist to my maximum ability.
Or maybe I'm not that nimble. Well, maybe I'm sending in my registration on hard copy ... security paper (can't be copied, can't be scanned) 'cause my computer ain't fast enough and I cannot afford to fix it.
Special Delivery and someone has to sign for it. Filled out wearing cotton gloves.
Keep it up, the truth will set us free.
http://www.youtube.com/watch?v=CZo1sXsC-68
This is not actually happening is it? (Several minutes of one person's observations - done well).
The administration will casually announce that because of the "snags" the government is gonna foot the bill for everbody who signed up wether they paid or not.
Kicking the Obamacare can down the road further.
At taxpayer expense.
Our family plan premiums have almost tripled to 22% of our gross income for 2014. We didn't need subsidies in 2013, but at 22% of income, we need subsidies for 2014. We don't qualify for subsidies for 2014. The calculation only looks at single plans which must not exceed 9.5% of income. Family plans may require 40%, 50%, or even 100% of income for premiums without qualifying for subsidies. We can't afford to pay 22% so we are being forced out of the health insurance market. We may apply, we may pay the first premium, but somewhere down the road, we will not have the money to pay a premium. Or we may only apply for some of our family members. We haven't decided yet.
too bad..i aint a payin.....and kim kardassian is not a hobbit..blame bucsh
Just go to the ER and give a fake name. Don't even speak. Just act like you speak Russian and tell them where it hurts by gesture. Wife is former ER nurse. They won't check. Just make sure they don't get your real name.
A.Snake, do you have a link or a site that says that (re single plans not exceeding 9.5 percent of income, but family plans being able to require 40%+ of income w/o qualifying for subsidies)?? It's not that I don't believe you; it is just that it is so terrible that I want more info sooner rather than later. I will look for sites/cites myself, too.
p.s. I wouldn't be surprised if the only way to find that out readily, is to try to sign on/up. A lot of info is only coming out that way. Horrible.
At first, for the last few years, most of the info pages that return from a Google search would indicate premiums were required to be capped at 9.5% of income. It doesn't sound so bad.
However, recently dated pages indicate the calculation is based on premiums for individual plan insurance! Whole family income is required in ratio to individual plan prices. We have also noticed that individual plans offered through employers are -mysteriously- quite cheap [1/6 price of family plans]. It looks like the system is being gamed.
A 9% of-income individual plan passes muster, is approved by AHCA. The family possibly gets stuck with a 50% of-income family plan premium. Then the deductible is high, perhaps another 20% of family income. Have you heard of balance billing? Balance billing could easily cost another 30% of income.
I've looked at health plans offered from our employers. I've looked at plans offered on for-profit-websites like ehealthinsurance. I've looked at plans on healthcare.gov. It's all the same. Huge premiums, huge deductibles, no subsidy qualifications. However we do have plenty of choices, just none of them involve affordable healthcare.
thank you for the info, ASnake
Obamacare is invented to put a new dollar in place in an earlier stage. Like finishing off the starving debt beast. It has nothing to do with "care", it's about taking care of 'things'.
Read it: "Obamacare".
It's like Kim Jung Un showing his bare ass to South Korea on state tv.
People paying for Obamacare... like that´s ever gonna happen
I think it's only fair that we pay for the healthcare of Africa. It's not fair that people don't have healthcare and it is our moral obligation to provide it for them. Furthermore insurance companies should provide coverage even if no one pays a premium. Equality for all.
Do they accept bit coin?
BY HOOK OR BY CROOK trailer, you know
http://www.youtube.com/watch?v=S-gCa-Fp3GA (0:24)
Just take it out from the money I "owe" thanks to your wasteful spending .gov. Kay?
Eventually we'll call it even.
Soon as I have my degree I'm outta this hell-hole.
Long live Nancy Pelosi.
Good-bye.
This has been plotted out for years. Why do you think a negro resides in the WH. Once again, Time Magazine spills the beans. Pope Francis, The Choice
This video was created in 2005. Watch to understand the significant storyline about to unfold unless someone changes (prevents the event). Just my 2 cents, get to work!
Ministry Messiah
The implementation of Obamacare is so niggardly stupid that it must be so expensively wise.
Does anyone think the implementation is just niggardly stupid. This is not racist as niggardly is a great desciptive word.