This page has been archived and commenting is disabled.
Obamacare Sticker Shock Arrives: Insurance Premiums To Soar 20-40%
Two months ago, we outlined why the CPI-boosting Affordable Care Act is on the verge of bankrupting that all important driver of the US economic growth engine — the American consumer.
Put simply, inflation in medical care services costs hadn’t yet reared its ugly head because many insurers were as yet unable to gauge the full base-effect impact of Obamacare on their P&L. That, we said, was about to change: “After finally digesting the true cost of Obamacare, any recent insurance prime hikes will seem like a walk in the park compared to what is coming.
Sure enough, insurers have now taken a close look at exactly how much socialized medicine is costing them.
Not surprisingly, the picture isn’t pretty.
In some cases, forecasters grossly underestimated the number of claims they would likely receive, and indeed, even a PhD economist can tell you that when the amount going out for claims is greater than the amount coming in via premiums, there’s a problem with the model and because staunching the outflow is effectively now forbidden, something has to give on the receivables side of the equation which means dramatically higher premiums.
NY Times has the story:
Health insurance companies around the country are seeking rate increases of 20 percent to 40 percent or more, saying their new customers under the Affordable Care Act turned out to be sicker than expected. Federal officials say they are determined to see that the requests are scaled back.
Blue Cross and Blue Shield plans — market leaders in many states — are seeking rate increases that average 23 percent in Illinois, 25 percent in North Carolina, 31 percent in Oklahoma, 36 percent in Tennessee and 54 percent in Minnesota, according to documents posted online by the federal government and state insurance commissioners and interviews with insurance executives.
The Oregon insurance commissioner, Laura N. Cali, has just approved 2016 rate increases for companies that cover more than 220,000 people. Moda Health Plan, which has the largest enrollment in the state, received a 25 percent increase, and the second-largest plan, LifeWise, received a 33 percent increase.
Jesse Ellis O’Brien, a health advocate at the Oregon State Public Interest Research Group, said: “Rate increases will be bigger in 2016 than they have been for years and years and will have a profound effect on consumers here. Some may start wondering if insurance is affordable or if it’s worth the money.”
The rate requests, from some of the more popular health plans, suggest that insurance markets are still adjusting to shock waves set off by the Affordable Care Act.
Blue Cross and Blue Shield of New Mexico has requested rate increases averaging 51 percent for its 33,000 members. The proposal elicited tart online comments from consumers.
“This rate increase is ridiculous,” one subscriber wrote on the website of the New Mexico insurance superintendent.
In their submissions to federal and state regulators, insurers cite several reasons for big rate increases. These include the needs of consumers, some of whom were previously uninsured; the high cost of specialty drugs; and a policy adopted by the Obama administration in late 2013 that allowed some people to keep insurance that did not meet new federal standards.
“Our enrollees generated 24 percent more claims than we thought they would when we set our 2014 rates,” said Nathan T. Johns, the chief financial officer of Arches Health Plan, which covers about one-fourth of the people who bought insurance through the federal exchange in Utah. As a result, the company said, it collected premiums of $39.7 million and had claims of $56.3 million in 2014. It has requested rate increases averaging 45 percent for 2016.
The rate requests are the first to reflect a full year of experience with the new insurance exchanges and federal standards that require insurers to accept all applicants, without charging higher prices because of a person’s illness or disability.
There you go. Precisely as we said, the ACA and of course the ballooning cost of new drugs proxied by Janet Yellen's "stretched" biotech sector mean manidtorily insured Americans will now be charged more. Much more.
But do not despair because where there's an Obama there's always "hope". And on that note, we'll leave you with the following, from the President:
If insurance regulators “do their job, my expectation is that [rates hikes] will come in significantly lower than what’s being requested.”
»
- 68079 reads
- Printer-friendly version
- Send to friend
- advertisements -
#2 this time...;-)
Does Obamacare cover Stripper Poles, ummm... for therapeutic purposes? ;-)
Looney
Obama could Care Less; bitch got paid.
And squeeze will be on year after year until they get to their goal of destroying everything and moving the sheeple to "single payer" healthcare completely run by the Fed-gov-scum.
Then the real fun starts with these fucking sociopaths.
Soon, they will throw you in jail for not paying that $10,000 a month insurance tax.
I don't go to the doctor anymore. Period. Emergency stuff only like cuts and accidents.
Regards,
Cooter
Everything Obozo touches turns to shit.
He's the "gift" that keeps on giving...
taking
Americans will fight to the death to stop single payer but are Ok with this: http://www.wsj.com/articles/with-merger-deal-aetna-humana-get-ahead-of-t...
Both CEOs said their combination would result in lower costs for consumers.
http://images.bwbx.io/cms/2014-08-12/index-chart2.png
https://goo.gl/8ca67H
Millions like me are glad. No way will I sign up for this piece of shit. Let it die of its own weight. Fuck Obamacare!
Let it die of its own weight. Fuck Obamacare!
-------------------------------------------------
Unfortunately, now it has the SCROTUS Seal of Approval.
And if you think the likes of Boehner and McConnell will kill it...
I've got some oceanfront land in Iowa I'll sell you.
No, it will turn into a huge black-hole that will continue...
To suck the financial health out of the Nation for decades to come.
Winning !
This bill was a huge win for the insurance companies that soared 200%-to 4005 after it passed by grabbing fat premiums while actual payouts for health services dwindled. [and will keep dwindling my neighbor doctor tells us since fewer and fewer docs will accept various forms of this so-called insurance].
The Obamacare Tax Bill is sucking the last breath of life out of the American Middle Class, and, as you aptly state, even received the Seal of Approval from SCROTUS.
Quite simple really, GDP needs a boost, Americans aren't spending, the government requires the purchase of health care, insurance companies lubricate the "shlong", and you my friend take it nice and slow for the red-white & blue. Oorah!!!!!!!!!!!
20-40% of free is still FREE!
State must control every aspect of life of citizenry, include management of prescious bodily fluid.
You jest, but what is coming is 'voluntary' organ donation in exchange for a 10% rebate on your health insurance. And 'voluntary' mandatory (I meant to use those words in that order) genetic/diagnostic testing. You might even get lucky and be offered a 'voluntary' clinical trial drug in exchange for a 30% reduction in your health insurance premium . . . for the duration of the clinical trial.
What we need is government health care. I could also use a free FEMA trailer. While your at it, give me some food stamps. I be hungry.
Spot on, they've been offering "discounts" for volunteering all of your personal and health information for years now. I used to click the checkbox that says I dont smoke and took my discount, but by this point it is so invasive, up yours I'm not giving you anything. Once my son's old enough I'm getting rid of my insurance, f this racket.
win for the short term at best. This will ultimately drive them all out of business.
AND, as the poster said above .gov will swoop in to the rescue to offer his NEW IMPROVED govt health care.
Once again, its govt who dominates over the corporations. Both may be scummy, but only one rules.
oh, and as Oldwood puts so eloquently below....
+1
I have always intended to put up a page on my site that lists those who voted for The Affordable Care Act (bwah ha ha ha ha ha) along with pertinent information like state, office and party (well obvious isnt it except for Roberts I suppose) as well as the day they ceased to exist on this earth. I think I will get around to it at some point as the farce plays out and people start to get angrier.
Watch and wait.
I have always contended that this was absolutely a deliberate path to single payer government takeover of health insurance. Many many people have predicted that this would lead to huge cost increases in healthcare. For those who care to recall, all of this started with the vilification of insurance companies and when it became apparent they lacked the political power to take the whole thing in one bite, they co-opted the insurance company CEOs. These guys could give a shit if "their" insurance companies survive this. Most made huge money from it and had no problem capitulating to government pressures. Those CEOs who chose to speak out about their predictions were threatened with sanctions from our benevolent keepers.
These costs cannot be sustained and they know it. What was called a healthcare crisis has now been made to truly be one, and THEY offer the only solution....effective nationalization of health insurance, because the obviously obscene profits of 5% are just too damned high. We will be told that only they, our benevolent protectors can save us from the evils of the marketplace, something that has been under attack for decades.
This is the constant usurpation of the what were once relatively free markets with government intervention while pretending it is the lack of government intervention that is perpetuating its collapse.
We will soon go Greek and vote to NOT suffer austerity that the evil markets have brought down upon us and DEMAND that government do a better job of looking out for our interests and punishing those evil companies that remain still struggling to survive.
Plus. One.
And for all of those living the dream of single payer, they obviously don't give one shit who it hurts and what it costs. That's what TRUE ideological extremism looks like.
Really? Who does it cost and who does it hurt? Why are the best ranked healthcare systems in the world often single payer?
http://www.businessinsider.com/best-healthcare-systems-in-the-world-2012...
With a few minor exceptions (major one being switzerland) these are all largely publically funded systems, a bunch are universal and all of them cheaper than the US per capita.
Your premise is wrong James. A comparison between Switzerland and USA at this point in time is not even remotely valid. When do monopolies lower costs unless by restricting care? And we can guess which will segment of the population will be sacrosanct and who will ultimately pay.
Yes, I am cynical but it's really caused from personal experience.
Miffed
When do monopolies lower costs unless by restricting care?
In healthcare one area single payer saves money is in adminsitration costs. US has BY FAR the highest administration costs of any OECD country.
http://www.beckershospitalreview.com/finance/why-u-s-hospital-administra...
7. The researchers concluded that reforming the U.S. healthcare system to a single-payer model would result in significant administrative savings. Reducing U.S. administrative spending to the level of Canada or Scotland per capita in 2011 would have saved $158 billion or $156 billion, respectively.
It's not a new phenomenon either: http://www.nejm.org/doi/full/10.1056/NEJM199105023241805
administration constituted some 30 percent of U.S. health-care costs and that the share of the health-care labor force comprising administrative (as opposed to care delivery) workers had grown 50 percent to constitute more than one of every four health-sector employees.
That's just one broad example but US healthcare is so vast, so many fingers in the pie and overall monstrously complex there is clearly money bled everywhere and often arbitrarily.
http://swampland.time.com/2013/02/21/health-care-is-a-buisness-and-all-t...
These links do not reveal the major reason for increased costs today in the USA. Government intervention and mandate. Over the last thirty years I have witnessed the ever increasing complex requirements for Medicare reimbursement. The newest is any hospital acquired infection will not be reimbursed. Therefore, we must do more non billable testing to prove the patient has the infection or colonization BEFORE he enters the hospital. Every time he goes from one unit to the next, he must be tested again. Just for MRSA testing alone, my hospital spends 87k every month. This is just one test. Compliance is a massive cost in healthcare.
Those who are insured must fund those without insurance. Because the government mandates that no patients can be turned away if they have no ability to pay, costs must be born by those who have insurance or cash. Unfortunately, the ERs in San Diego are full of non paying patients. It is simple math and at some point it will break. Restricting care is the next step. This includes delay tactics as seen in Canada. So the wealthy come here and pay cash to get the care they wish in a timely fashion.
Single payer won't stop these costs and they are rising every year.
Miffed
You don't quantify your claim or back it up with anything. But let's say that's correct, compliance costs are a huge problem. The obvious question is, why aren't compliance costs as big of a factor in other healthcare systems? According to my links administration costs are in the ballpark of ~18% higher in US than Canada, how do you explain that?
As far as quality of care, explain this:
http://www.commonwealthfund.org/publications/fund-reports/2014/jun/mirro...
Based on the above also good luck explaining these spending stats:
per capita, 2006: ~$3600 canada, ~$7200 US. 2011: $4522 canada, $8508 US.
2011 per capita UK (#1 overall according to commonwealth fund): $3405.... a universal healthcare system.
Healthy lives: The U.S. ranks last overall with poor scores on all three indicators of healthy lives—mortality amenable to medical care, infant mortality, and healthy life expectancy at age 60.
Equity: The U.S. ranks a clear last on measures of equity. Americans with below-average incomes were much more likely than their counterparts in other countries to report not visiting a physician when sick; not getting a recommended test, treatment, or follow-up care; or not filling a prescription or skipping doses when needed because of costs. On each of these indicators, one-third or more lower-income adults in the U.S. said they went without needed care because of costs in the past year.
You imply healthcare equates to health in a population. This is not true in this country any longer hence our term " Sickcare". The average patient today is morbidly obese and on average taking 10-25 meds depending on age. Many are diabetics. I often see glucoses in the ER over 800 and after discharge around 200. Three weeks later they are back in the ER with glucoses over 800. This population has high rates of kidney disease, heart problems and bacterial sepsis. All high cost conditions. This is a non reimbursable admission if it is Medicare because they returned to the hospital too soon after discharge therefore deeming the hospital at fault. The rules are endless and unworkable.
Even if you have single payer and reduce these administrative costs, the rising costs of an aging,sick, obese, drug popping population will not be addressed. Just the reagents and supplies I use to do my job everyday have gone up 3X after Obamacare. It is estimated healthcare costs to treat chronic disease is about 75% of the spending in the USA. This is the crux of the problem.
Miffed
Even if you have single payer and reduce these administrative costs, the rising costs of an aging,sick, obese, drug popping population will not be addressed.
UK is no slouch in that regard, US obesity rate is estimated at 33%, UK not far behind at 27%. Most western countries are facing similar things as you mention in the US but handling in a different manner. If you look at UK even though they have the best healthcare system and second cheapest per capita, their outcomes are actually second worse (to the US). Why this is the case is a whole other thing.
http://www.surroundfitness.com/wp-content/uploads/2013/10/Obesity-trends...
McDonalds biggest expansion was in the 80s, just sayin'
I get your argument - sick people cost more and being forced to care for them in theory pushes up costs - but the evidence points the other way. Countries with better / more accessible healthcare usually have healthier citizens and hence lower costs. And even in the UK the way the system is organized manages to keep costs down in spite of very unhealthy lifestyles. In many of the links I've shown above healthcare systems elsewhere have produced healthier citizens in all cases yet US remains a huge outlier on costs. Not just in the last 5 years, but in the last 30 years.
And again, I'm not arguing in favour of obamacare. Here's the far more sensible (and much cheaper!) version of obamacare:
https://www.youtube.com/watch?v=aMG1D4Z-4oY
So please explain how our government's involvement has improved healthcare so greatly in the last three years.
Is that my argument? No.
No, you just spend comment after comment extolling the virtues of government involvement in health care - thats all.
hahahahaha
"but oecd #s say"...
STFU and look at more than doctored numbers that are a ridiculously poor representation of reality on the ground, James.
Dude. Seriously. Wake the fuck up. Those other health systems are great when you need to go to the clinic and get a band-aid. When you need serious shit done, you are thrown into the abyss. Waiting...waiting...wanting...
#36 - Costa Rica? Are you kidding me? When I lived there there was one dialysis machine in the entire country. When the government workers at the hospital burned it down, no more dialysis for three months. A lot of people died. But, it probably helped them in the cost-per capita rankings.
Define "best." Who is the final arbiter of "best?" What are the criteria for being defined as "best?"
You forget the monopoly protections, granted by government to the sick care industrial complex.....may I remind you....in violation of the Sherman antitrust act.
This can't be true. EXPERTS said costs would go down. Just like the other racket: socialized car insurance. It can't possibly go up when everyone is forced to buy it because the overall risk level decreases. How can costs and risk go up when they're suppose to go down? Don't you people watch CNN?
Stop arguing with the EXPERTS (and CNN - same thing).
Just imagine if that car insurance covered everything, including oil changes. Because...fairness. And if you could insure your car regardless of condition. I could buy something without an engine, and file a claim to repair it to new condition.
How much would that insurance cost?
Not signing up means not paying your taxes, which means jail.
You can stay out of jail this next year for $395 or 2% of your income, whichever is GREATER.
Pretty soon it will be sign up and pay or leave the country.
The only other option wiill be joining the ranks of the intentionally poor.
For those who are concerned about the evaporation of their constitutional rights, the simple process of making everything we do and treasure illegal effective makes us "outlaws" which is the quickest and most constitutional path of depriving us of our rights. It ensures that those outside of the law keep their mouth SHUT! It is the best possible way to silence people which is the most important tool in eliminating their freedoms but most importantly resistance.
This is what control looks like....there is no room for freedoms....the good of the collective (of which none of us seems to be part of) always outweighs the good of the few..or the one.
Bend over people!!!! your state mandated exam is up!!!
I relish returning to my outlaw ways. Now I will teach the REAL meaning of treason to the young. Someday they will be free again.
I'm pretty sure King John & King George thought it was treason as well.
Its all in your perspective isn't it? To the crony, the statist, the government employee pensioner, the parasites, the connected, its all TREASON!
Me, not so much ;-)
But nmewn... treason is against the law.
But of course, Stalin called it treason, so did Hitler and Mao, Pol Pot, King George etc. why should this state call it anything else?
I'm fine with it, history will be my judge ;-)
Returning to them? Hmmm. I think you and a few others here ( wink)have maintained outlaw status to be hauled off on trumped up charges of treason or sedition.
The productive class is under assault and may they rue the day for their actions when we take back what is ours.
Miffed;-)
Truth be known, I've always "accommodated the law" until now, not really believing in its social or moral character, as I'm not anti-social per se, its more of a toleration. I don't hold it dear or cherish it, just a nuisance most times to be avoided is how I really have always percieved it.
I had a very good...uuuhhh, hmmm, "professor" (no, I will not divulge) who knows what it is and definitely what it is not who helped me understand it clearly at a very early age, 25ísh ;-)
Uhm, exactly .. That's the end result of socialism: It makes more sense NOT to work, than to work.
The best part about collectivism is that we have no reason to complain for regardless of how bad it might get, we will all be equal, and as we know prosperity is meaningless without equality. If we all end up in cardboard boxes it will be worth it. After all our government and media will tell us what we are to be happy with and when to demand more.
So true ebworthen.
I'm domiciled in CA.
Lost everything 2 years back. Qualified for Medi-Cal - pathetic...maybe. No premium, no co-pay. Free drugs.
I finally started using it this year when I realized my income was going to disqualify me.
Colonoscopy. Pre-cancer dermatology. Eye doctor. Heart doctor. Blood tests. Couple emegency room visits. A lot of deferred maintenance all in 3 mos. And a couple weird ER events. Helped that I changed from a shitty primary care doctor to the last good doctor standing in LA (got his name word of mouth) - he's 80 years old and curses Obama but cares about his patients. I told him I was going to lose coverage soon. He said "you are my patient, I will see you whether you can pay me or not." He only makes $10 -yes - $10 per visit under MedCal. So wtf.
I'm now officially uninsured and realize I would've paid a shitload under Roberts(Bush appointee)-ObamaCare and still wouldn't have gotten the care I got in last 3 mos. Every illegal immigrant in CA now gets this. Don't make over $16,000 (declarable income) for MediCal. Grreat FREE coverage!!!
Important fact: health insurance DOES NOT EQUAL health care!!! You are a sucker to pay premiums with massive deductibles. I think my option now is medical vacations to Mexico & Thailand. PAy the Roberts-Obama tax penalty and use the money I'd spend on useless insurance for a trip to Phuket and my future Thai dermatologist.
Or maybe I could just stay poor.
They have absolutely no way to verify whether you have insurance or not. Its just your word saying you do on the 1040. And furthermore, unless you are stupid enough to allow the government to have a free loan (i.e. a tax refund to you), they can't collect on any fine unlike other aspects of tax liability (its in the law). So, basically the mandate is both unverifiable and unenforceble. So, there are some good aspect to this insane law.
Just ignore it and stay healthy by exercise and proper nutrition. That's what I do-it has zero direct effect but lots of noxious indirect effects on the nation.
"This bill was a huge win for the insurance companies that soared 200%-to 4005 after it passed by grabbing fat premiums while actual payouts for health services dwindled. [and will keep dwindling my neighbor doctor tells us since fewer and fewer docs will accept various forms of this so-called insurance]."
Yes, this is why we will fight to the death against single payer healthcare. That and rationed health care, which is just a form of state culling of humans and an unconstitutional grab of power. Now go and immigrate to Cuba!
Yes, this is why we will fight to the death against single payer healthcare. That and rationed health care, which is just a form of state culling of humans and an unconstitutional grab of power.
This is why it's so easy for these companies to screw you guys harder year after year - willful ignorance.
Between 2000 & 2007 US health insurance premiums rose ~ 110%
Between 2000 & 2007 Humana (HUM) shareprice rose ~ 1000%
How US&A compares to other oecd countries:
http://www.mahablog.com/wp-content/uploads/2011/06/OECDChart3_1.gif
https://upload.wikimedia.org/wikipedia/commons/8/8c/Health_Expenditure_p...
http://time.com/2888403/u-s-health-care-ranked-worst-in-the-developed-wo...
Although the U.S. has the most expensive health care system in the world, the nation ranks lowest in terms of “efficiency, equity and outcomes,” according to the report. One of the most piercing revelations is that the high rate of expenditure for insurance is not commensurate to the satisfaction of patients or quality of service. High out-of-pocket costs and gaps in coverage “undermine efforts in the U.S. to improve care coordination,” the report summarized.
Cant charge ONLY sick people who are already sick more for their insurance. So we are just going to charge EVERYONE more for their insurance.
So what has everyone been spending their extra $2,500 a year on since ObamaCare passed?
Vacation? Clothes? Jewelry?
Ammunition? ;-)
Hooker and Blow Nights Out with the Goldamn Gang!
Personally, I'm loading the boat with Puerto Rican munis with my $2500- they're selling for pennies on the dollar:
How can anyone NOT make money on PR Aqueducts and Sewers? Those things finance themselves! Whiiiiieeeeeee..... "Default" is a frickin' psyop - there is NO SUCH THING!
LOL! Classic.
"grift"
Sooooo, you force, at gunpoint, every American to buy a product from a private cartel( that WROTE THE FUCKING LAW that requires people to buy their product in the first place) and then we are supposed to be surprised when they jack the prices up(after pretty much every possible measure to get rid of it has been exhausted of course)
If I didn't know any better, I'd swear I lived in a fascist country or something...
Got my notice of a 22% increase last week. Keep on rockin' in the FEE world.
If I didn't know any better, I'd swear I lived in a fascist country or something
Sadly greenskeeper, most Americans would argue with you till blue in the face that never, ever can America become fascist. We have a constitution that won't allow it. I know from experience.
Now THAT is some funny shit right there.
The best way to fight this is stay away from doctors by staying healthy. I'm chowing down on pizza tonight [the Supreme variety] followed by a bowl of doubel Dutch chocolate fudge ice cream with sprinkles.
I'd warsh it down with a liter of super healthy Roundup if I had it, but I have to settle for A&W Root Beer.
Yes, you do live in a fascist country. Now that you are sufficiently riled, you are now to demand to your Congress Critter that single payer must be implemented! It's for the Children for Crissakes!
Oh, by the way, guess who gets to be Single Payer and who gets to administer it for Extra Credit.
Miffed;-)
SO let me get this straight...
1. The law requires you to buy our product.
2. The Supreme Court has upheld that law.
3. We're going to raise our prices outrageously.
WHY IS ANYONE SURPRISED BY THIS?
Not only did they uphold it once (as a "tax"...paid to a corporation) but they re-wrote the fucking law on the second go around when it "ruled" that Congress didn't mean STATE EXCHANGES when the fucking text clearly says...STATE EXCHANGES!
So fuck it then, words & text don't mean jack shit anymore and I'm gonna deal with it MY WAY.
Speed limits are merely a suggestion, it doesn't mean don't go over it. Don't litter, don't park here, no tipping, no pets, no smoking, no spitting, no cursing, don't pick the flowers, stay off the grass, the price of food & gas...none of the words mean anything.
I'll do what I want, when I want.
Fuck em and any son-of-a-bitch that tries to stop me.
Funny you should mention it nmewn, but most speed limits are just suggestions:
http://www.nolo.com/legal-encyclopedia/free-books/beat-ticket-book/chapter5-1.html
The more you know...
So are Blood Alcohol levels, and Reckless Driving statutes. The key element is, "the discretion" of the Statist Fuck Revenuers
things that are manditory under one set of laws are merely superfluous when under another
Well, that's why no one in Congress read it because it doesn't mean what it says, right?
SCROTUS is now in the Mind Reading business...peering into the brains of what Congressmen were thinking at the time they didn't read it. What was their intention when not even thinking about it?
WTF?!
The State; Ideas so fucking awesome, they have to be mandatory.
Whatever you do, don't fly the confederate battle flag. That IS NOT a suggestion. The government makes the rules but the progressive media informs us as to which are relevant and which are not. Note that we no long er have "illegal" immigrants, only immigrants...or more correctly stated "undocumented citizens". The media decided that for us.
...or more correctly stated "undocumented citizens".
Or even more correctly stated "future voters that vote for anyone promising lots of free stuff".
You say 'amnesty', I say 10 million free votes. Habla?
This is what democracy looks like. Using bribery and fear they will drive us like cattle to the squeeze chute, to either be castrated or butchered. but as long as we are "consumed" equally, rich and poor alike we won't complain.
Yeah - the supreme pizza court did pretty much blast the lid off of Pandora's box with that ruling. Every lawyer in every litigation can now appeal based on the words in the law were not conveniently written to convey the real intent of the law.
Me too. Cash only. I have a tatoo on my chest. "Do Not recussitate".
Insufficient. Better be able to show them your papers...while you are passed out.
As a physician I agree. I have the advantage of knowing what might be serious however.
And please do not think ANY of the excess premiums are going to your doctor. Unless they increase volume (some can) they are getting paid per visit what they got 5 years ago. As far as I can see most of the cheese is going to the drug comapanies. Yes they have some fantastic drugs that have changed peoples lives (rheumatoid arthritis for example) but the government could lean on them a lot and keep prices dowm.
Apparently many politicians would find that hurting their campaign contribution though.
First get healthy. Chronic disease can happen and unfairly cause misery. Obesity and much type 2 diabetes can be prevented.
I suggest starting here: https://www.youtube.com/watch?v=xHQbg4xH9lw
This diet works. I lost 15 pounds (now around 150). I was just a touch over what I wanted to be and lost a pound per week. No gimicks, no sales pitch, simple science.
And get strong. carrying the world on your shoulders will be your biggest burden soon. Keep those quads in good shape.
You cannot prevent rheumatoid arthritis. You can prevent obesity.
Isn't RA just a symptom of shitty (inflamatory) diet? What are the rates of RA in the rest of the world?
only ten thousand? you must be stuck in 2015, wait till 2016, 2017.....by 2020 it will 100,000.
My suspicion for a while has been that health care (which everyone needs when they get old - look at US demographics to see where this is going) will be the vehicle to confiscate the wealth of the middle class so it can't be passed on to descendants.
G-Maw and G-Paw will die broke because they blew their entire life savings (and sold major assets) in their last seven years of life to pay the bills for scripts and routine care. Their grand kids will be in the hole for a mortgage worth of school debt for a shitty job working big box retail management. Etc.
Regards,
Cooter
Add that to CA just making mandatory ToU electricity plus the rate hikes and there's a real confiscatory witches brew blowing this way.
Cooter.
Welcome to 2010.
Ocare is...a wealth transfer engine. Forced. Required. Packaged in a hard to oppose heartfelt wrapper.
Don't forget about g-paw/maw having to live with the grandkids since they got into a reverse mortage sold by the Fonz and do not have the assets to pledge for assisted living. All backed by GNMA and banks gettting servicing fees.
Bidask +1000
As the great Gonzalo Lira observed, if you choose to grow old and die in the USA, you will die broke.
Since growin old and dying is more-or-less inevitable, your only choice to avoid bankruptcy is to 1) succeed in becoming one of the 0.1% of the population who can afford Murican "Healthcare", or 2) leave the country.
Many people have found the medicaid escape hatch. They hide their wealth and go on Medicaid (not Medicare which every can get at age 65). Their social security goes to pay the nursing home bills and the kids hide the assets.
Everyone is happy except the taxpayer who unknowingly pays the balance.
They can come and chew on a FMJ capsule x30. This prescription is renewable.
Many other nations with universal healthcare have not seen this. The USA chose to "keep" the private monopoly on a "universal" system. Does not compute.
You cannot give fair price services with the BIG KIDS charging being for profit companies. Does not work. There is NO large health care company in US who has a mandate to provide services at reasonable cost. It is all profit. Not one company wants to rethink their model as it means less profit.
And that is why this crap does not work. You either go for actual healthcare...or you do not. I hate to be negative here...but that was the plan. Obamacare was a mandated gaurantee of future unlimited profits to private monopolies.
Only other way to do it was to nationalize all helath care. that would have done it
You're a fucking fool if you think that was the only other option. How about a free market on healthcare without govt involvement. We used to have that. A long time ago. Shit is so expensive now BECAUSE OF GOVT INVOLVEMENT. To borrow from a bumper sticker I see down here sometimes : if you think healthcare is expensive now, just wait til it's 'free'
God, I can only imagine how much our food and homes would cost if only, if only, our benevolent government would step in and nationalize those industries as well. I mean if private companies can't deliver healthcare efficiently, then that must obviously extend to all industries.
Why I think we are being robbed....but if I had a government job who's wages were paid by stupid people working for privately owned business, I think I would most definitely be on easy street.
So the idea (universal healthcare) is to let bankrupt nations (meaning they can't control the spending they do now) get their paws on yet another pot of money.
Makes perfect sense.
How about if they actually show they can control the budgets they already have now and then come trolling around for more?
The adverse sort was inevitable.
Healthy people tell Scumbama to stick it, and sick care is a corrupt scam which kills and maims.
Avoid hospitals like the plague.
"Avoid hospitals like the plague."
That is where the sick people are...
Indeed, everything really bad I've had, I aquired in hospital, not before going
there.US hospitals.
Best healthcare in the world my arse.
Willie Sutton didn't rob hospitals, old boy. :)
Just as well, he could have died much younger.
one you thing you forgot to mention kaiser...come to SE Asia. the water is warm.
It's not a bug. It's a feature.
If you're self employed it's better to just go on Medicaid if you can. Income based on the last tax year, not asset based.
If you qualify for subsidies (basically welfare to cover ONLY month premiums) you're still dealing with seperate expensive dental and vision while paying high co pays and deductibles.
I guaranfuckingtee your premiums will decrease by $2,500, your coverage will get better, you can keep your doctor, your hospital and health plans and you'll be better fucking off for it, Goddammit, and if you don't stand up, wave your hands in the air and holler "Hallelujah Motherufker, I Love Big Brother" at the top of your lungs your ass will need serious trauma work done by the doctor that doesn't take ObamaCare, at a hospital that doesn't take ObamaCare where you'll get to in an ambulance service that doesn't take ObamaCare, so like it or die trying it your way, useless eaters.
Speaking of Big Brother and scams...
If you liked the Old World Order you are going to absolutely fucking love the New World Order Obamas Globalist friends are working on.
SPOILER ALERT: It's ostensibly built around China BTW but it really ain't
http://redefininggod.com/
He's laser sharp! RDG that is.
Insanely so.
Brandon Smith at Alt-Market is also on the money.
ZerOhead ..... Tremendous site you liked to. Thank you immensely.
One of the articles buried there-within concerning global propaganda (etc., different names etc.,) referenced the Esalen Institute which is on the CA coast hear Big Sur. It's a favorite place for serious spiritual retreats, etc. (Also's been used in 2 television series recently, the finale of Mad Med and the first showing of the second season of True Detective) However, underneath the exterior, as is referenced in association with Tavistock, there seems to be a very hidden life that's very hard to even find on the web. It's very very well "protected".
One of the greatest tells, however, was when Yeltsen (or was it Gorbachev?) did his US tour, guess which institution was vested with the responsibility of everything from travel, groups visited, speeches, audiences, personal gatherings, etc? Esalen.
Pretty funky thing for a place like that to be doing.
Further, I recently ran across some other articles linking meetings relating to geoengineering taking place in the "Carmel" (CA) area.
One of the pics was a possible give away. It might well have was taken at Esalen.
Hmmmmm.
Thanks again
Thanks... we all have to wake up knukles.
I even knew all the major historic components like the Federal Reserve boys, the Bolshevik take-down of the Czars with the $20M help of the Schiff /Rothschild family (they wanted a Central Bank) ... the takedown of Napoleon by the Rothschilds who had just liberated French Jewry... the western bankers and industrialist financing of Hitlers NAZI miracle in the 30's and just thought these guys were just all idiots because nothing made sense. Then it all suddenly did.
ITS ALL A COMPLETE FUCKING SCAM!!!
(It's all about seizing complete global power...)
At the very least everyone should read everything there to be able to get an additional angle on what is happening now and what will happen in the future.
Knukles, he posts here as Veriton on occasion.
naah!!!Sicker patients? LOL!!!!
Any takers as to the fact that the derivatives positions taken by the insurers and their parent re-insurers are
"sicker than they thought" ? !!!
Aetna is offering $34 billion to buy Humana. Where will the billions come to make this takeover profitable? Simple, just keep on hiking the cost of health insurance and blame the people getting ripped off, the rate payers.
Shocked I tell ya...SHOCKED!
More sick than expeced...
Do you know how we call that in Europe?
You know, the more sick than expected part?
A FUCKING OBESE FAT ASS POPULATION HOOKED ON FAT AND GREACEY 1 DOLLAR HAMBURGER WHICH CAUSES ANAL LEAKAGE SHIT!!
The old '60's Wimpys!
It was all part of the plan. All the sickies get in and BAM, prices shoot up. But they don't stabalize because all the insurance companies are in full tilt M&A mode now. Soon we will be down to 3 nationally. Cartel pricing. The sheeple will revolt and the the answer will be NOT to dismantle but .......drumroll please......SINGLE PAYER. Soveriegn level buying power to keep prices low and one stop shopping will be the tag line.
All.....part....of.....the.....plan.
I respectfully disagree. The few oligopolies/monolpolies like United Healthcare and Blue will stay around. They are so connected to the govt now that they are the same entity.
Oh....I agree with the fact that there will be 2 or 3 insurance companies left. But they will be just the facilitators for .gov in terms of keeping records, buying drugs for .gov, etc. Why make another .gov agency. You already have the remaining insurance companies and their infrastructure in place.
This is what fascism looks like.
+100
Exactly.
"Straight to Wall Street...thanks for paying, have a nice day."
Has our health suddenly improved?
I know mine hasn't ...
Single payer is coming. It's the only way to distribute the costs of the sick and old over a wide enough base. The insurers knew this a decade ago, and wrote Obamacare so they could have it ready when he took office, and skin a couple of $trillion from the economy as the old system collapsed. Funny thing is that the ACA was a test case for TPP. If he could ram Obamacare through, then handing the world economy over to corporate lawyers was going to be easy.
shut up. math is racist
Seriously. Some of my Progressive friends will all but say that.
Where else can you never get a price quote, no matter how much hell you raise?
No matter which parties you gravitate too, it appears there is a super majority for Charging:
- Treason
- Sedition
- Racketeering
- Anti-Trust
- Conflict of Interest
- Breach of Duty
- Breach of Trust
- False Representation of Duties of Office
- Embezzlement
- Fraud
- Gross Neglect of National Security Issues
- Breach of Fiduciary Duties
- Perjury to US Citizens, Stakeholders, Investors, Consumers, High Court, Congress
- Failure of Congressional Ethics & Morals Committees to Act
- Failure of the following Agencies to Act: DOJ, FBI, SEC, FINRA, FTC, GAO, CBO, FED, Treasury, OCC, FSOC, BCFP, CFTC, FDIC, FHFA, SIPC
- Congress giving up its War Powers, Budget Powers, and Legislative Powers is enough to make most of these charges stick, IMHO
Knuks
just tell them the difference between the KKK & the Supremes is one wears black robes & scares white people.
Bait and switch can be a bitch.
If you are a Christian and not a boozer or smoker then look at the 5 to 6 Christian health ministries. You can search for them. It designed exactly how real insurance was supposed to work. These ministries also shield you from the ACA tax.
How's that gonna work after the pope's visit when we're forced to worship Gaia?
The Pope is an idiot leftist and the Catholic Church nuked the old German guy for this Francis commie-tard but that is another story. I have no use for them aka Black Hand Jesuits. I think the Eastern Orthodox Church comes closer to what they are supposed to do. If Francis is so worried about the poor then sell off the church properties and feed the poor.
CURO is the Catholic ministry which piggy backs off of Samaritan's Health Ministries. It is essentially Samaritain.
http://www.cmfcuro.com/index.php
The other thing about these health ministries: Liberty Health Share, CURO, Samaritan, Medishare, Altrua and Christian Healthcare Ministries - is you speak to nice human people. No Press 1 for this and Press 2 for Spanny. You speak to very nice Americans.
Your calls on ObamaCare, United Healthcare in many cases are going to the Phillippines, India and other places outside of the USA.
The people are these healthcare ministries are very nice and helpful.
I'm not surprised under nourished Illegals are more vulnerable to sickness then your average Americans. Not to mention they are passing it along to us as well! Welcome to Keynesian Healthcare 101
How is this possible, I thought it was free.
/sarc
I would think this is another reason that blacks would be very disappointed in Obama. Well Minorities in General are just like everyone unless someone works for the government.
No one likes their paycheck going down by $2000-5000 dollars a year.
This will kick up a firestorm. IMO.
What i want to know is who in congress et al insider traded on this.
What i want to know is who in congress et al insider traded on this.
What i want to know is who in congress et al insider traded on this.
ha ha americans, your fuck u in the middle of the night leaders are screwing you again. enjoy.
they can't just kick the shit out of you like they did the first year, now they have to fuck you up the ass to know what's in it.
Kind of funny watching dumb whites espcially southern whites cheering on Trayvon (knock out game) thugs in the NCAA ball sports, NFL and NBA like stupid sheep. Cheering on Obola's storm troops like dumb fan boys. Cheering on O's anti confederate, anti-southerner and anti white thugs.
The idiots also watch anti-confederate and anti-white NASCAR with Dale Earnhardt Jr. as the cheif spokesman for libtard NASCAR.
Morons support this crap.
We get what we deserve. Unfortunately
Obamacare=mass immigration healthcare
Turns out "Latinos" have the same genetic profile and health of native Americans. (shitty)
Shitty? Or did they never adapt to the S.A.D.?
You mean, they got it bad for hooch...?
HAHAHAHAHA!!
OBAMA’S GONNA PAY MY BILLS BIATCH!! HAHAHAHAHA
Remember that one? :)
Man, if you see how America dropped from number one to banana republic it just reminds me of that movie OLD YELLER!
I’M SORRY BOY... BAM!!! BAM BAM BAM! DIE BITCH!!! DIE!!!
MA!!! MAAAaaa!!! BRING ME THE CLEAVER!!!
A real Disney classic that one...
I always thought it was a long hot dog commercial when I was a kid...
Deficet is WAY down.
Plus look at all the liquidity he's created "as us Americans engage in a life or death struggle." No wonder media stocks have done so well!
Still...is odd that the public has to pay for that.
Must be all those jobs that got created...
What is funny about his deficit claims is that they are only down from his own worst years. They are still higher than Bush's. Obama's worse deficit is 10x larger than Bushes best. Here is a breakdown:
http://www.davemanuel.com/history-of-deficits-and-surpluses-in-the-unite...
He is just flat out lying about reducing the deficit.
My evil spinster 4th grade teacher read that to the class & ALL the kids were sobbing uncontrollably.
Pre-approval for ALL medical services will be required, including emergency room visits.
Annual deductibles will increase to $50,000 per plan.
Routine co-payments will increase to $100 per office visit.
Routine co-payments will increase to $1000 per office visit. (i noticed you dropped a zero)
Better learn to plan our accidents.
And gee golly who coulda known that insurers would exploit a captive population?
Who ever could have knowed?
Fuckbama and his fucking stupid health care bill.
LOL....what a cunt....him and his douchebag Biden...
"Big Fucking Deal" huh Joey? You fuck.
FUCK YOU FUCKBAMA