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Meet The Family That Just Spent Half Its Annual Income Paying For Obamacare
Not a week passes without some incremental revelation showing precisely what happens when Congress passes a bill just to see what's in it.
Well, since the passage of the Affordable Care Act, also known as the Obamacare tax, we have watched in horror as shocker after shocker are revealed.
Some examples:
- In Latest Obamacare Fiasco, Most Low-Income Workers Can't Afford "Affordable Care Act"
- The Stunning "Explanation" An Insurance Company Just Used To Boost Health Premiums By 60%
- Your Health Insurance Premiums Are About To Go Through The Roof -The Stunning Reason Why
- Obama Promised Healthcare Premiums Would Fall $2,500 Per Family; They Have Climbed $4,865
- Largest Health Insurer On Colorado Exchange Abruptly Collapses
- Co-Op Insurers Across America Are Collapsing, And Now There Is Fraud
- "$19,000 Premiums, Up 4x Since Passage": The 'Crippling Effect' Of Obamacare On The Middle Class
Now we can add one more thing that "was in it": soaring deductibles, which give the fake impression of contained, low all-in costs... until one actually needs expensive medial help (and these days there is no other kind).
The latest expose against Obamacare comes not from its usual nemesis, but the hard-left NYT, suggesting that even the ideological supporters of Obama's "crowning achievement" are losing faith. To wit:
Obama administration officials, urging people to sign up for health insurance under the Affordable Care Act, have trumpeted the low premiums available on the law’s new marketplaces.
But for many consumers, the sticker shock is coming not on the front end, when they purchase the plans, but on the back end when they get sick: sky-high deductibles that are leaving some newly insured feeling nearly as vulnerable as they were before they had coverage.
“The deductible, $3,000 a year, makes it impossible to actually go to the doctor,” said David R. Reines, 60, of Jefferson Township, N.J., a former hardware salesman with chronic knee pain. “We have insurance, but can’t afford to use it.”
In many states, more than half the plans offered for sale through HealthCare.gov, the federal online marketplace, have a deductible of $3,000 or more, a New York Times review has found. Those deductibles are causing concern among Democrats — and some Republican detractors of the health law, who once pushed high-deductible health plans in the belief that consumers would be more cost-conscious if they had more of a financial stake or skin in the game.
“We could not afford the deductible,” said Kevin Fanning, 59, who lives in North Texas, near Wichita Falls. “Basically I was paying for insurance I could not afford to use.” He dropped his policy.
In other words, Obamacare's "affordable care" is affordable, as long as one doesn't actually have to use it!
Here is the damage when one does:
- In Miami, the median deductible, according to HealthCare.gov, is $5,000.
- In Jackson, Miss., the comparable figure is $5,500.
- In Chicago, the median deductible is $3,400.
- In Phoenix, it is $4,000;
- In Houston and Des Moines, $3,000.
Considering far more than half the US population has less than $1,000 in savings, there are quite literally tens of millions of people who are one ER visit away from the poor house. And they are unhappy. But at least the liberal think tanks have words of advice:
To those worried about high out-of-pocket costs, Dave Chandra, a policy analyst at the liberal-leaning Center on Budget and Policy Priorities, has some advice: “Everyone should come back to the marketplace and shop. You may get a better deal.”
But you almost certainly won't, because the whole structuring of Obamacare was to lower future costs at the expense of a surge in deductible payments, aka the oldest trick in the insurance book. And America fell for it.
So here is what happens when one does find out what is in the "affordable" care law, after it was passed.
Meet Mr. Fanning, from North Texas, who said he and his wife had a policy with a monthly premium of about $500 and an annual deductible of about $10,000 after taking account of financial assistance. Their income is about $32,000 a year.
The Fannings dropped the policy in July after he had a one-night hospital stay and she had tests for kidney problems, and the bills started to roll in.
And just like that a family of two spent half their annual income on insurance and deductibles courtesy of the "Affordable" care act.
It gets better:
Another consumer, Anne Cornwell of Chattanooga, Tenn., said she was excited when Congress passed the Affordable Care Act because she had been uninsured for several years. She is glad that she and her husband now have insurance, because he has had tonsil cancer, heart problems and kidney stones this year.
But with a $10,000 deductible, it has still not been easy.
Her conclusion: "When they said affordable, I thought they really meant affordable," she said.
Nothing more to add.
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Obamas Legacy.... What a douche nozzle
Repost:
Had some extensive blood work. The lab charged the insurance not knowing that I was not covered for that. The insurance claim from the lab was $1300. Once the lab claim was rejected, the lab sent me a bill for $370 which I negotiated down to $145 claiming that this was all I had clear on my credit card. They immediately accepted.
That is not as important as the following calculation. Had I had coverage for that lab work, I would have to copay 20% that would be $260 compare to $145. Insurances capitalize on human fear.
Repost
Easy fix for those under 40k-50k per year and relatively healthy.
Buy individual or family basic plan based on the subsidy dollars that you get calculated by the market place in Healthcare.gov.
This is not the pefect solution but it will be cheaper than not having insurance and cheaper than the penalty.
Oh my God, this is awful! What we need to do to fix this government program is ANOTHER GOVERNMENT PROGRAM! In this case, single-payer (government) health care. We'll all get something roughly equivalent to VA healthcare. Or worse.
In an unfair and broken system, This is survival.
Others cross borders for serious operations. You've got to live.
It's not the deductible that bothers me. Even after laying out a huge deductible most insurance only covers 70% of the remaining expenses. Hell, a sliver could end up costing you your mortgage.
Very most close analogy to Obamacare is seem to be feeding and digestive pattern of common domestic goat. If you are not tie up goat properly (Boris is keep goat on balcony, so as long as close door no tie is need) it is scavange around yard and is eat anything. Soon, many thing is missing, like car key, cell phone, pliable rubber toy, etcetra. Then you are look at goat, but no matter how angry you are at goat, you let it must goat turd pass to see what is in it.
@Boris... OMG, I be to laughing my dupa off right now.
FUCK Obama
FUCK Democrats
FUCK anyone who voted for this abortion of a law
FUCK the dochebag Supreme Court who could have struck it down.
This country is FUCKED!
They never said WHOM it would be more affordable for.
The intent was to make it more affordable for non-European Americans. You know, blacks, illegals, refugees.,,
You get more of what you pay for, well in this case subsidize. It amazes me that more European descendants haven't figured this shit out yet. That matrix has them hard.
Yes, but how do you REALLY feel...???
Have you seen my watch, and my insurance card?
Boris FTW yet again.
Boris, please quit your job and just post your funny fudge. I snorted coffee out my nose.
LOL@MAO (English translation of my Russian reply)
If it's anything close to my experience with the VA on a wide scale there will be massive social unrest. I will not go to the VA. Fortunately I don't have to. It is horrible, horrible, horrible.
Back when Bill was President and Hillary went on a nationwide tour promoting healthcare I had a conversation with a friend about government healthcare. He said, "If you want to know what govenrment run healthcare will be like visit a VA hospital." He then proceeded to tell me his personal experiences and I knew if government run healthcare became law we would be screwed. We are.
I know a couple, 66ish in age that moved to Grand Junction, Colorado in July. They are on Medicare, you know, the healthcare program that was supposed to take care of us in our "Golden Years". To get a Dr. in Grand Junction, a family practicioner, you have to fill out an extensive questionaire about your health. If you get passed that threshold (so far they haven't been able to) you go through a personal interview and the Dr. has a second opportunity to accept or reject you as a patient. So far they have been unable to get past the questionaire step. So they have no doctor. How's that working for them? It's not, because they have been told, "The Dr. is not accepting anymore Medicare patients".
My bet is it would be worse.
For now the penalty is lower than the cost of the product. I'm betting it'll implode before the end of 2016.
Self insure and write "homeless" on tax return. No penalty....
Gold Bitchez......I pick up pennies
Would you insure your car if the deductible was more than the car was worth?
Specialist? With no insurance will likely not see you unless in an ER situation. They get stiffed enough by people with insurance not paying.
I get seen with advance payments
This is the best America can come up with?
No, it's the best D.C. Lobbyists can come up with......
Obama spent half his time in office destroying America's middle class.
The other half he was spent on the golf course.
That SOB needs to play more golf
" Obamacare's "affordable care" is affordable, as long as one doesn't actually have to use it!"
But you have to pay for it! No choice!
Good job, Brownie!
.... To line their pockets.
What "Amerika?"
The point of Obamacare was to raise money to care for the chronically ill by cost-shifting to healty people forced to buy overpriced insurance on the exchange. "Affordable" is a joke, but if you want to know the purpose of any federal legislation, just invert the title of the act. ACA only works for people with low incomes and chronic conditions costing $20K plus every year. They can buy gold plans that cost less than their bills would be uninsured.
I am eating the penalty. We would have to pay $10K for a bronze plan with $7,500 deductible. As self paid, we can go to a local Catholic-run network that gives 55% discount for cash on the spot. (If insured, we would have to pay the full cost out of pocket to get it counted against our deductible, so our expenses would more than double.) My calculation is: if the penalty plus actual expenses before the end of a calendar year is less than $17,500 we come out ahead by not having ACA insurance. If we get cancer, hope it's in the fall. Then we just buy a gold plan during open enrollment and get everything paid for starting January 1. The have a name for it in the insurance business -- "adverse selection."
Yes, it did intend to cost-shift from healthy to non-healthy, which is a crock of shit.
It's stealing the one built-in benefit of being young, pretty good health for 20-30+yo people and giving that to people who are older (think boomers) who have been nothing but gluttons all their life and have nothing now that they're near retirement.
They're all so busy changing the rules of the game, at some point they'll start changing the IRA/401K rules because some have and others (who didn't plan at all) do not. There's really no difference between the health care situation and retirement, the dollars are all fungible. It's all about taking money away from those who have and giving it to those who don't. This only works as long as you have someone elses money to give away, when it runs out you're through.
Actually, here's another strategy for your consideration. If you get cancer, or any other serious condition of that sort, you don't have to wait for Open Enrollment. "Special Enrollment" periods apply whenever you meet the requirements, which are a serious change in financial condition OR move to a new area. The latter is defined as a simple change of residential zip code, which for many people in metro areas can be as little as moving a single mile. And there are obvious ways for an ill individual to change his/her legal residence without selling the house or moving the whole family. Just sayin'. And how long does one have to "stay" at their "new" address . . . before kicking off a new "Special Enrollment" period by officially moving back to their old address? I don't know, but I'm guessing it ain't long . . . if it's specified at all.
That is a step in the right direction. High deductibles out of the gate make for primary care avoidance and sicker, more expensive patients later flooding our ERs and ICUs. Bass fucking ackwards. That is unless they really are trying to kill us off.
To help keep healthy and out of the medical industrial complex lookup MSM and DMSO on youtube and amazon. Read the Metabolic Makeover from Dr. Cherniske or any of his books. Been working wonders for me. My knees stopped grinding and fingers dont hurt on cold mornings after taking MSM. Dr. Stanley Jacobs is the other guru.
But you would not have to pay $260. The insurance will lower that $1300, to let's say $ 400, their paying rate and then you would only pay $80 of $400.
I'll add to that. When my wife was pregnant, we had a genetic screening performed. The bill was over $2,200 USD. When I called them and told them that I was not using insurance and settling in cash, the woman told me "One moment, let me talk to my supervisor." When she came back, the bill had been reduced to $127 USD in total!
When I worked in medicine, I saw a great deal of this sort of thing.
I used to have insurance, where they made people in their plan pay out of pocket. For example, I would pay doctor out of pocket, get the bill, then send bill to my insurer.
Insurer always paid me back right away, usually within 7 days. Basically, it was almost as fast as snail mail could return send the check.
If I went into hospital, then insurance plan would take over and pay hospital directly.
Generally, every time I paid cash to Dr. office they always dropped the price, sometimes price dropped a lot.
Cutting out all of the overhead, of shoveling papers back and forth between two armies of bureaucrats, lowers costs. (Army of paper pushers at Dr. office, and another Army at Insurer.)
Death of retail on the cusp of a depression on the eve of global war .
Hence, the need to buy American made products, not phony foreign made 'American Brands.' Rebuild America.
Like killing every bird with one stone.
We colon checked some folks... .
That's now termed as "preventative care" under ObamaCare and you can go as many times as you like and have someone stick a scope up your ass.
Just like everything else under ObamaCare, if you're heavilly sedated you really won't feel a thing.
Oh joy! ;-)
I'm moving to Paris where healthcare is free.
Too soon?
Seriously. It's not that I want people to be without healthcare, but, rather than Obamacare representing real reform or a real plan for a really sustainable system, it is just a socialization of the costs of uninsurables on the rest of the taxpaying and health insurance paying populace. That is not reform. That is not change. And it is not a lowering of costs. It fails pretty much every test :(
I know there are many Americans who can't stand the idea of any one in any other country coming up with a better way to do something, but you might want to look north of the border.
To be sure, there are flaws in Canada's health care system, mostly related to accessibility and long waits in Emergency Rooms, but we've come up with some workarounds in recent years, and it's not so bad.
I'm 60, and diabetic. In the last two years, I've seen a GP, an endocrinologist, a urologist, and an orthopedist (all multiple times). I take injection insulin and pills to fight the diabetes. I test my blood sugar 4x day, and each strip is about $0.60. (30 x 4 x .6 = $72/month, and that's for strips alone, never mind the pills, the insulin, the needles, etc.)
My total health care costs? $70/month I pay at work for extended medical (includes drugs and dental, not vision).
It ain't perfect, but it's so much better than Obaminationcare. I have a friend who left Canada 30 years to live in the US, and now he and his American wife are talking about coming back to Canada, just because of health care costs.
Type 2?
Chromium/Vanadium.
Minerals for the Genetic Code by Charles Walters.
Chance of getting rid of the $72 & 4 pricks. ;)
Most guys at health insurance companies wear rose gold Rolexes, drive Porsches, and are laughing to the bank at their policy holders. Insurance is just two inches away from the bankster mafia, and maybe even worse.
The wealth of the principle players in the insurance companies, whether it be the insurance company executives or many agency owners, is obscene.
your "health insurance " premium payment was declared a tax-relieving the insurance company from having to provide ANY benefit whatsoever. There is not a legislature or court anywhere on the planet that will mandate the services to be provided in return for a tax payment.
The insurance companies are in the same mess as the banks were in 2008. that 'tax" payment you send in monthly is their bailout. Congress new they couldn't get away with another TARP and QE deal and so it was camoflaged under "healthcare"
"We have healthcare costs contained."
From the desk of emPOORror TOTUS.
The "community bomber", needs to resign ASAP.
"We have ISIS contained"
From the desk of emPOORror TOTUS.
wh also said they don't believe isis has operational capability in us which explains why my neighbor told me they did 3x a normal saturday's gun/ammo sales yesterday...
For me the only question is when will every fucker who voted for the law, signed the law, or upheld the law die, hopefully in agonizing pain. I think I will put up a page with a list of the lying sons of bitches with the date of death and fill it in as the years go by
2 quick comments : " because the whole structuring of Obamacare was to lower future costs at the expense of a surge in deductible payments, aka the oldest trick in the insurance book. And America fell for it."
America didn't fall for it, it was shoved up our ass, more like a "gang rape" if you will.
"Another consumer, Anne Cornwell of Chattanooga, Tenn., said she was excited when Congress passed the Affordable Care Act because she had been uninsured for several years."
I was so excited that I sent my esteemed Senator, Blanche "Cunt" Lincoln, an e-mail reminding her of the significance of The Night of The Long Knives, and The French Revolution.
I laughed at the Long Knives and Bastille Day-Long Terror sentence. The manner in which the law was passed was and sill is such an affront to propriety and sanity as to be one of the worst legislative coups in the short history of our republic. You still do not read enough about it. There is a good investigative journalist book in that. Of course since investogative journalism is all but dead, and since the MSM has their head so far up Obamas ass they can smell nothing but what he ate for breakfast, after processing by digestive enzymes and stomach acids, in other words shit, no one will ever get around to it. And that Roberts switcehd his vote without even bothiering to rewrite his opinion, creating such juridical garbage it is indistinguishable from what the MSM up Obamas ass are smelling, is just one more notch on W's belt of bullshit. God damn the world is fucked up.
You damn sure hit the nail on the head there tOmmy! +100
The only thing that pisses me off more than Obamacare is the general public perception that it is "socialist." It is fascist. The fucking insurance companies wrote the legislation. But just watch. The backlash will be to give insurance companies even more power and not less.
How many times of rewriting healthcare rules will it take before they realize that insurance companies and healthcare providers will act in their own interests?
Suggested reading: Margaret Atwood's trilogy; Oryx and Crake, The Year of the Flood, MaddAddam
Then throw in the Handmaiden's Tale to cover the college NewSpeak and you're done.
Answer: When it's too late
Margaaret Artwood's favorite book this year was This Changes Everything by Naomi Klein (accordig to the guardian)
Sorry, knuks - have to downvote anyone who recommends Peggy Atwood. I read voraciously, and when I was asked to read "Surfacing", I started in with gusto, hoping here was a new Canadian writer for me to enjoy.
About 20 pages in, I wanted to reach through the book and slap half the characters in the face "Wake the f*** up!!". She writes about people I've never met, in situations I've never seen, and she lived about 3 blocks away from me in Toronto. She's stuck in the late 50's/early 60's Toronto high WASP zeitgeist, and she hasn't seen the real world since.
Obamacare is going to die, by mass abandoment. The only question is how long that will take.
PS. I'm sure there is or soon will be a thriving black market of medical care with great cash rates.
Yeah the Black Market is called "Medical Tourism" - book a flight to Thailand or cross the border to Mexico to get your actual care. Fuck paying premiums, pay the fucking John Roberts-approved (Bush appointee) penalty while its still low.
But prepare to be harassed by US Border goons. They don't like it when Americans try to escape the clutches of ObamaCare.
I speak from experience.
The US Electronic Concentration Camp is clamping down.
Act fast.
bingo JLee
http://www.wecaremedicalmall.org/
At the margin, there is no difference. Just words.
None.
The fascists are just another shade of socialism. And I'll go one step further, any socialist that now admits that the Democrat Party is a fascist party is just as deluded as when they first supported ObamaCare.
//////
Gawdammit I'm serious!
I want everyone of you fucking progs to ADMIT EVERY FUCKING DAY FOR THE REST OF YOUR LIVES that the Democrat Party is FASCIST!
Seems like maybe you'll eventually give yourself a stroke trying to deduce the forces in play down to parties and labels...
The only thing that matters in "a democracy" (lol) is the vote, right?
Well the party "labels" certainly do tell the tale whether you want to admit it or not, there was not-one-vote-for this POS from the other side.
Not one.
As in none...zero.
fascists
socialists
democrats
progressives
You forgot garden-variety criminals who given license via ignorance congregate in high places.
There is no ideology there,
and labels and parties protect them.
A majority of the people (as in us) never wanted ObamaCare in the first place, in poll after poll BEFORE the dimocrats JAMMED it down our throats. In poll after poll AFTER dimocrats JAMMED it down our throats we have continued to say no, we don't want it AND we even told all of you how it would turn out.
Just like this.
We said then (and now) that it is fundamentally unfair and borderline TYRANICAL for the state to force anyone to buy a product or service from a private corporation, to involuntarily engage in commerce without having an opt-out as, it sets the precedent in law, the next time is you will be forced to buy a GM (or pick anything) for "the common good".
Unless you have taken complete leave of your faculties you cannot now say that IN THE CASE OF OBAMACARE the pub's are just as bad...they said NO and voted NO. And to say it's a pyrric victory when Roberts crosses the aisle and votes with FASCIST PROGRESSIVES is to undermine the meaning of what a pyrric victory is, this "victory" has destroyed the democrat party as a viable option in the middle class.
Now I'll throw you a few bones, it is true the pubs have their blindspots, the Patriot Act is a huge one as is anything with the word "trade" in it and McConnell & Rubio are Deep State actors as are Biden, Reid & Schumer but the republicans were dead right about what ObamaCare was and is.
An organized criminal enterprise that if there were a shred of "justice" left in this country ALL who had anything to do with it's passage would be facing indictment under the RICO Act.
Unfortunately, the Left controls the language because they attack first, so they have that option. The Right is defensive and has to use the terms as the Left defines them.
Part of the Leftist strategy is to use ad hominem attacks that intentionally put their opponents on the defensive. This is typical Alinsky M.O. (calling their opponents racists, homophobes, sexists, xenophobes).
And unfortunately for us and for any student of economics, economic policy, economic history and monetary science, the Left started using "Nazi" and "Fascist" to attack anyone to their right about four decades ago. This is ironic, because both terms define totalitarian governments on the Left side of the control spectrum.
I agree completely with you. But when I try to explain that our central bank and the primary windows are a fascist banking system, 99.9% of my listeners stare straight at me blinking regularly. They are clueless what that means.
In economics, Fascism is the ultimate "cronyism." Many on the Left know that. That is why they were only to happy to accept the term "Crony Capitalism," because that term ascribes to Capitalism all the ugliness and cheating and lawbreaking that is properly attributed to Fascism.
Rand, be honest for just once: You were all for this monstrosity and the pols who passed it.
The only thing that pisses me off more than Obamacare is the general public perception that it is "socialist."
If only we could have had socialist healthcare crammed down our throats instead of national socialist healthcare then everything would have been fine. I feel your pain, LTER.
Of all the people on zerohedge, you consitantly piss me off the most by making 100% sense.
He claims to be more upset about the defamation of socialism than by the actual damage done by Obamacare to people like those cited in the article. What's sensible about that?
There are "legal" sharing ministries. My health insurance was cancelled 2 years ago & new plan was unaffordable.
Christian health ministries. There are about 6 of them
http://selfpaypatient.com/2013/11/27/health-care-sharing-ministry-member...
There are four ministries that I’m aware of: Samaritan Ministries, Christian Healthcare Ministries, Christian Care Ministry, and Liberty HealthShare. Membership in Liberty HealthShare is open to anybody who agrees with their commitment to religious liberty, while the other three only accept members who are practicing Christians.
Two newer ones are Curo and Altrua.
http://www.libertyhealthshare.org/3-program-options
Liberty Health Shares best one is $299 a month for husband and wife. $399 for a family. It is cheaper if all are under age 30.
Essentially a $500 deductible with $1 million in coverage per incident.
So basically, everything others charge above these amounts are profit or inefficiencies?
It sure looks like that...
The HMOs/healthcare companies wrote ObamaCare. Repubs could have stopped it but they didn't. Check out on Yahoo finance what the CEO and CFo of companies like United Health Care make. The CFO had $40 million in stock optiions in just one year.
These health ministries act like what insurance was supposed to be. Keep costs low, payout the claims with the premiums. They are not perfect but it is the only way I have found to get around ACA's evil intent. The health ministries are ACA compliant.
By the way - Ted Cruz, a hero of some of the NeoCon & Isry-hell firsters, brags about how he was on his wife's Goldman Sachs health plan. Cruz is also a TPP/TPA and H1-B stooge. Only marginally better than scum jeb and Rubio.
Repubs could have stopped it but they didn't.
FFS. How is that, exactly? The law passed without a single Republican vote.
They call this "democracy."
I call it mob rule.
Same difference! ("Tyranny of the Majority")
Two times republicans crossed the isle to help Oblowme,Spector and snow.They were all in on it.Remember Romney care Ted Kennedy was all for it.
You converted me when you mentioned his wife worked for Goldman Sachs.
They will find a way to shut down these Christian health ministries...the way they did those coops.
I've heard about the Christian care before but in practical use it seems you need to go to ER and drs as if you don't have insurance and they step up after the bill and pay.
It does work. It is a little different but the health ministries work. The two I like the most are CHM and Liberty HealthCare. Liberty will pay 100% for some things like colonoscopies (no deductible). An individual plan is $199 a month with a $500 deductible.
Are they perfect? No but they sure beta the h*ll out of the scum at United Health Care, any of the Blues, Aetna, Cigna and the rest.
Kerry Lutz of the Financial Survival Network talks about how he got into Liberty Health Share, and he loves it.
http://hwcdn.libsyn.com/p/1/5/d/15d9a1a216aaa9bb/PeggyLibertyHealth_09.J...
Damn these Christians, undermining the medical Ponzi
It has to get worse before it gets worser.
Insurance that ensures you never even attempt to use it unless you are fucking desperate......
Obama was perfect candidate for established elite in 2008 ( better than Hillary ) and he has delivered time and time again for them
They don't call him the Magic Negro for nuttin.
Uh, that's not exactly what we call him around here...
We call him: "Fucking Nigger" around these parts.....
They are looking at Hilary to continue this momentum.
If Obama bin Laden doesn't get amnesty through, Hilary will get it through.
Her number one goal, though, will be to gut the 2nd Amendment and disarm America.
She'll do it as a "loving grandmother who is sick and tired of children being shot. It's time for a woman's motherly love to enact 'common sense' gun confiscation."
Well good! About fucking time. Let's just get THAT party started, shall we? Damn I hope I'm alive when some politician orders police or military to go out into The Amber Waves of Grain, and take our guns.
Molon Labe, motherfuckers. Martin? Hillary? Bernie? Which one of you little sea- unts got the balls?
obamacare defenders (somewhat ironically) remind me of the simpsons global warming episode where lisa's class goes to the "glacier" park only to find a lake & a ranger who says something to effect govt has decided there is no global warming (this was under w). lisa falls in & yells: "help! I fell in the lake!" to which the ranger responds: "you mean you're standing on the glacier!"
Just ask Doctors Without Borders about Obamacare!
Are there any left? I think they've gotten the message: shut your yap or get droned.
Droned or Ebola'd, (2 different paths to the same result; bleeding out).
This will finally result in a list of approved services. Insurance and providers will make out like bandits and people will get a basic volkswagen level of service.
Welcome to the underclass, US middle class....
Obamacare .... if you are a free shitter .... nothing changes .... if you buy insurance .... Obama shits on you ?
Deductibles that will never be met in order for your "healthcare insurance" to kick in and pay ANYTHING along with your bi-weekly/monthly MANDATORY premium payment made for YOUR RIGHT (lmao!) to say you have health insurance.
So again I say, if you motherfucking progs wanted to expand Medicaid why didn't you just ask for it instead of lying about what ObamaCare is and fucking up 300 million American's health insurance?
Because it's a government program. They even fuck up their own fucked up plans.
Pres. Zero and Pelosi could have gotten single payer with a little pushing. But it would have cost the sickness industrial complex lots of profit.
Healthcare industry doesn't want a massive medicaid option, they're gouging the middle class.
For the middle class family ANY medical care for simplest thing is a financial decision.
Not so fast...
"Beginning in FY 2014, policy changes introduced by the Affordable Care Act (ACA) have been driving Medicaid enrollment and spending growth. This report provides an overview of Medicaid enrollment and spending growth with a focus on state Fiscal Year (FY) 2015 and state Fiscal Year 2016."
http://kff.org/medicaid/issue-brief/medicaid-enrollment-spending-growth-...
...if anyone believes that dotted line in the graph for projected 2016 I've got a bridge I'm trying to unload ;-)
that is worse than my high deductible HSA that is $1500.00
I am not from the US. What does "deductible" mean?
What happens if you are really sick or injured, but you have no medical insurance?
"Deductible" is that portion of a healthcare bill that you ("the sucker") are personally responsible for paying; anything above that amount is dealt with by whatever insurer you may have. Deductibles may be expressed as either a dollar amount, or as a percentage.
If you have no insurance and have a Big-Dollar Health Event (serious cancer, serious heart attack, anything that lands you in "intensive care") your options are:
1) dip into that spare $500,000 you've set aside for a rainy day, or
2) declare bankruptcy, or
3) move on to your next existential plane, hopefully one with better benefits.
How did this shit work in the 1880's ?
Got sick, then you died. Unless you had money. Then they probed you, before you died.
Today, it just how much money the big insurers can make. Millions to the CEO's, billions in profits.
A profit is fair. We are getting fucked.
The sweet spot for "health care" was 1950 - 1980 or so: antibiotics had been developed, but the US government had not yet seriously intervened in the industry; many hopsitals were still actually run by nuns, or administrators responsible to a county council.
Even in 1980 (I was a US medical practitioner by then), you could see that system costs were going out of control and, boy, did they ever. FWIW I left US medicine (for New Zealand) in the 1990s; my only regret is that I didn't leave sooner.
August. Thank you
Deductible means you have insurance but you have to pay the first $5000 of every bill yourself.
If you or a family menbers is sick or injured, and you are not a charity case, you have 2 choices: watch your loved ones die without treatment or ruin your family financially and contract debts you can't repay in this life time.
Here is a link that might help answer your first question. http://www.bcbsm.com/index/health-insurance-help/faqs/topics/how-health-...
It doesn't openly explain that the deductible is an additional out-of-pocket amount the insured person has to pay along with the monthly premium payments.
As to your second question, I can't say for sure...yet.
They will probably be healthier staying away from USSA alleged “medical care”.
Pelosi is truly one fucked up bitch!
Time out Pal, you said "Pelosi" and "Fucked" in the same sentence and have invaded my safe space. Tylers?? Cyber bully on the thread!!
This link sums it up nicely:
http://www.nytimes.com/2015/11/15/us/politics/many-say-high-deductibles-...
And, as predicted in 2013:
http://www.cnsnews.com/news/article/irs-cheapest-obamacare-plan-will-be-...
Compare the number that link came up vs. the article in the ZH article below (hint, they were off by $1K)
http://www.zerohedge.com/news/2015-11-07/19000-premiums-4x-passage-cripp...
What people also forget is having health insurance is meaningless if there are high deductibles, the insurance company decided to NOT pay or takes forever TO pay and one has the clinic or hospital on one's back threatening to send one to collections, and all other sorts of "fun and games".
It was all predictable and their game plan has never changed, it's "universal healthcare" or bust, where the GOVERNMENT TAXES you for "health care". Because the GOVERNMENT is a well known entity for it's cost management & efficiency in saving the publics money.
I-could-just-fucking-scream.
Relax. Think of it this way: Affordable Health Care is affordable in the same way that temporary tax increases are temporary.
Correct...lol.
In the same way that a lower increase in federal spending is a cut to federal spending.
You do realize half of the people we try to explain shit to are completely insane, right? ;-)
"You do realize half of the people we try to explain shit to are completely insane, right? ;-) "
You ought to have a lib friend that thinks both the ACA & VA are great.
Gots a few dents in me head.
Obamacare is really just overpriced insurance against being forced into bankruptcy. The 'low-cost' bronze policies are basically designed to pay nothing except in the event of a catastrophe which exceeds the cost of the deductible.
The trouble is that most people can't even afford to cough up the cash to cover the deductible.
If one is struggling financially, it's probably more cost effective to join the cash economy, and get on welfare, food stamps, section 8 housing vouchers, and Medicaid than it is to go to work at some shitty on-the-books minimum wage job at Walmart or McDonalds.
And if you are on Medicaid, in most states there are no deductibles or co-pays.
The 'system' is rotten and corrupt to the core.
Black lives are the only thing that matters.
Sounds like SheeJack be in yo mind....
Health insurance with a high deductible just means an even more out of th money put option. That expires monthly. That you commit to pay a year in advance.
Here's the other kicker, you're waiting 3-6 months to see a doctor for non-ER stuff. So you pay insurance and get no care for months.
Just stop buying insurance. Only buy it as you get admitted
You can only buy it during open enrollment start of the year. Stop paying it and they drop you and deny coverage.
Obamacare lesson: don't own any assets, at least in your own name. If you are judgment proof, none of Obamacare is a problem -- probably all of Obamacare is subsidized and if you are assessed any medical expenses, just ignore them.
If you own assets, then practice preventative health, avoid high-risk activities, and pay the penalties for not having Obamacare.
This guy Obama has quite a sense of humor.
In the greatest country in the world, it is unwiised to own anything or get sick.
Accurate statement.
Cant you just start a holding company for your assetts?
I am going to call Obama care on my obama phone to see if this affects my family. I going to sport my my best jive talk so as to get on the A list of folks that get benefits with no deductible.
Just in case you who need to brush up before you call.
https://www.youtube.com/watch?v=fXSLcYQHqFQ
ISIS IS CONTAINED, said Obozo just before the French massacre.
Who the hell voted for this DICK WAD ANYWAY??
Who the hell voted for this DICK WAD ANYWAY??
Niggers and persons with no sense of self reliance.
weaklings, progressives, collectivists
Nobody voted FOR him. Everybody voted AGAINST George Bush. After 8 years of Bush a stuffed dummy could have won for the Dems.
Bullshit. Evry black person in America voted FOR Obama for the simple reason that he was black and they were simple.
Bullshit. Evry black person in America voted FOR Obama for the simple reason that he was black and they were simple.
A lot of them voted twice.
Funny how souther white males and other American white males love their Trayvon thug ball players and cheer like little girls. Hundreds of thousands of dumb white cheer in places like U of Alabama, LSU, Auburn, Tenn, GA, Texas, SMU, Duke, Clemson, Michigan, OH State, Notre Dame and the list is endless. Stupid morons cheering on white genocide like little girls. F**king morons.
Freddie - In case don't read TakiMag, they just recently had a good article addressing the role of black "student athletes" at the Big Football Schools:
http://takimag.com/article/big_mess_on_campus_steve_sailer#axzz3rcq54jcE
Why let Americans scam themselves with phony products over and over again?
This was his swan song legislation piece? WFT.
I feel for all American's having to take this right up the shitter.
Has anyone sharpened a long spike for this old bag yet?
for working class people owebombacare means paying something for nothing. most people the deductible alone would bankrupt them and they have no assets worth protecting. why the fuck would they want to pay $500/month for insurance that does nothing for them?