12-11-2013 11:09 AM - edited 12-11-2013 02:24 PM
Thanks to Obamacare my family's insurance is bascially gone now, unless something catastrophic happens. We went from co-pays that were $15 for general care, to $45, & $40 for a specialist to $75! So now if I take my 3 kids to the doctor at the same time I have to pay $135 just in co-pays. Then our out of pocket went from $1000 per person to $2,000 per person! Maximum out of pocket now is $10,000 per person! We are small business owners who have always provided insurance for our employees. We used to even provide paid maternity leave. Needless to say, we can't do that now! We employee 20 some people, so all of them will have this insurance as well. Oh, but our premiums went down about $800! Shouldn't we be thankful?!! This is just the beginning!
01-04-2014 06:26 AM
My daughter also had her policy canceled. But she admits it was a sub-standard insurance policy. When she called the phone number she was able to obtain a better insurance policy and her premiums went from $374 per month to $0.00. Yes, you read that right. To zero.
She does live in a state that is participating in the programs, so that all of it's citizens will have affordable access to medical care. Is your state one that decided against that?
I was recently hospitalized in Vancouver, BC and I have to tell you, a single payer plan would be soooo much better than what the insurance company owned polititions shoved through. Anthony Weiner has at least one thing right. He says to lower the age for Medicare every year until everyone is covered. Siimple, single payer plan.
One of the lawsuits about medical care in Canada is from a gentleman suing the government because he has to pay for parking when he goes to see his doctor. If his medical care isn't supposed to cost him anything out of pocket, then he thinks his parking should be covered, too. Far cry from medical care lawsuits here.
My internist has just left the practice and opened her own practice. She no longer takes insurance. You pay an annual fee for things outside of the office....copying records, refilling prescriptions, keeping notes, referrals to specialists, etc. and then a fee for office visits which you can then file with your insurance company for reimbursement. She says she's tired of insurance companies telling her how long she can spend with her patients...either 15 minutes or 30 minute appointments. She wants to be able to spend as much time with her patients as they need. As for me, I'm tired of some accountant at an insurance company making decisions about my medical care. At the very least, someone who actually has some medical training beyond "Take two aspirin and call me in the morning." should be involved.
Sorry, but if the plan the President had proposed....a single payer plan with insurance companies covering your home, your auto, etc. but not your body, things might be better. But there's too much profit in medical care for them to give that up without a fight and without some major contributions to politicians' election funds. And if there's a lot of profit in people being sick, then someone is making wrong headed decisions about our health care.
01-04-2014 11:35 AM
Wow. So she didn't have any trouble signing up? I have friends who have been trying to sign up for weeks now, and still have been unable to do so. They have called for assistance many times, and still been unable to sign up. They are so frustrated! Their insurance ended with the new year, so they are worried to say the least. I haven't heard of anyone who is better off as a result of Obamacare, except your daughter. I'm glad it is benefiting one person, I suppose. The cost may be a bit high though for all the people it is hurting! Oh, and I forgot to mention that our policy costs our family $15,000 a year! Now add in the cost for our 20 some employees! This is only the beginning, and all the uneducated people who voted for this will pay the cost along with all of us who knew it was a disaster!
01-04-2014 07:44 PM
I most definitely think it's a good idea. I have two friends who now are covered after being uninsurable for years (one who has MS, one with a history of breast cancer), and my brother's now covered on my parents' plan, which gives us all peace of mind because he rock climbs and back country skiis on his free time so is a major injury risk. I also have several friends who will be paying hundreds less per month, and one of them is able to get insurance for her kids that's actually decent for the first time. Yes, the process of signing up was a pain in the butt (those consultants who were hired to do it should not be paid at all), but once they worked through it, they were really pleased.
I also happen to know because I work in health policy that the country desperately needs its citizens to be insured and to receive preventive care - the billions we spend on paying for chronic diseases aren't there in the Treasury's coffers, as we all know, and we need patients taking care of themselves and receiving a doctor's attention when they can still avoid diabetes, heart disease, etc., which the health law helps make possible. 76% of Medicare spending is on patients with five or more chronic diseases - that is absurd when pretty much all of that is avoidable.
Anyway, the only thing that ticks me off is that I live in a state with a governor / assembly that chose to pass on the medicaid expansion, so I'm essentially paying Federal taxes that are now going to expand Medicaid in other states and not here. Stupid.
01-04-2014 09:55 PM - edited 01-04-2014 10:03 PM
Leigh, you've hit the nail squarely on the head. We have such a broken system here, and I simply can't understand people who want to deny fellow citizens access to medical care.
When I was in Vancouver, our friend took us to Vancouver General Hospital. It's a huge multi-building teaching complex. I'm American, so my first thought when I saw the place was "I wonder how many hours I'll be waiting in the ER." Surprise! No wait at all. I never got to sit down in the waiting area. I was whisked back immediately. So my first lesson in a national health care plan is that when people can see a doctor when they're sick, it unclogs the emergency health system.
So many people wait and wait because they can't afford to see a doctor, and then something minor, becomes something major.
One of my daughter's friends was haranguing about Obamacare on his facebook page. After lots of nasty comments, my daughter responded to him...."You are the very person who NEEDS Obamacare. You've had a heart transplant. If not for the Affordable Care Act, you would be uninsurable." The thread on that conversation went away.
I agree that our President misspoke when he said that you can keep your policies. I don't think it occurred to him or to his writers just how many substandard insurance policies these companies have written. Those policies should never have been written, let alone sold to people. It is unconcionable. Like buying a house that has sub standard construction. It's going to come down in the first big storm. Catstrophic insurance is almost useless. There aren't very many people who have catastropohic illnesses, and it's possible that they're not carrying any insurance beyond catastrophic. Day to day medical care was out of reach for many, many Americans, and when people can't afford to pay their medical bills, guess who picks up the tab. You and I do. It's time for my taxes to do more than provide cannon fodder in the middle east. A healthy country would be a good start.
01-05-2014 11:07 AM
Interesting that the positive comments are all "new users"....hmmmm.
Anyway, again my family has been hurt a lot by Obamacare and every family that I know (working people) have been hurt. I do not know anyone it has benefitted. I suppose there may be a few who it will help, but those who have been hurt (as my family has been and as all our employees have been) far outweigh the benefits.
I'm just curious, though for all of you who think this is so wonderful.....do you even care about all the people who have been hurt by this? What do you have to say about that? Do you care that more people are hurt than helped? Do you care that doctors are deciding to quit practicing, because it isn't woth it any more? Do you care that hospitals like Cleveland Clinic have laid off a lot of people because of it? Do you care that everyone's prescriptions are going to cost a whole lot more now because of it? Do you care that many families won't be able to afford insurance or the fine? Do you care that deductibles have gone way up (doubled and tripled in many cases)? Do you care that most people can't afford that? Do you care the policy costs have gone up? I know for a fact that local hospitals have met trying to decide how to cut costs in order to survive this law. I know that most likely it will result in lost jobs in health care, and lots of them!
The President didn't mis-speak. He knew all along. He lied, as he does daily. It is amazing how blind our nation has become and how they will accept anything he says without ever checking for themselves. He said he wanted a single payer system before he was elected, but then said he didn't want a single payer system. He said, "if you like your insurance you can keep it", and those who said this was a lie were ridiculed, but look what happened! I just can't believe how foolish our nation has become and how they can be duped into anything with a little smooth talk. It is very sad, and we all will pay the consequences for the foolishness of so many!
01-05-2014 11:19 AM