@ Interloper:Only the Platinum... the most expensive tier of
Obamacare offers coverage options for meaningfully less than $6k out of pocket
annual deductibles. Of course the monthly premiums are much higher with those
programs. Most issued policies are much closer to the $6,250 annual deductible
number you mentioned for individuals. But what about for family deductibles
which are almost always higher?Sadly, that means a person needs to
pay over $500 out of pocket average per month before receiving any insurance
benefit whatsoever. And even once the deductible is finally met, there is still
the matter of higher-than-before co-pays that must also be paid.Then
to add insult to injury, the average policy holder (nationally) is paying over
37% higher monthly premiums than before Obamacare. There isn't much to
celebrate concerning Obamacare... except for the relatively small group of
people who were previously considered uninsurable due to preexisting conditions.
And that is telling the truth.
Let me correct one of the worse falsehoods offered so far. The Affordable Care
Act sets maximums on out of pocket expenses, including deductibles. Deductibles
are limited to $6,350 for any plan under the ACA. Most are much less. If
someone claims the deductible for an individual exceeds this amount, that person
is not telling the truth.
The woman profiled in this article would have NO insurance if it were not for
the Affordable Care Act (Obamacare) covering preexisting conditions. She has at
least three major conditions that insurers would have deemed unacceptable. Her
response to getting affordable health care is to whine that a doctor she had
previously is not available on her plan. That is rather ungrateful.Let's be clear that a particular doctor or clinic can drop any patient at
any time. The doctor can move away, go on staff at a hospital or die. It is
ridiculous to make so much noise over seeing the same doctor forever.
Crazy!Obama wouldn't say anything, if it wasn't true!Wouldn't he?
My son was 29, unemployed, uninsured, and has a preexisting condition which
required just under $500 worth of prescription drugs each month. We could not
get insurance which would cover these prescriptions at ANY price.Our
governor cared enough about the health of the people in this state to cooperate
with the Medicaid expansion. He is more than pleased with the coverage under
this plan. I wish the governor of Utah cared as much for his subjects. Tell me, somebody, seriously---why would ANYBODY want to keep other
people from getting health insurance? A single payer system--essentially
expanding Medicare to the entire population-- would have been better, but the
Republicans were determined to fight Obama at any cost. You'd think their
constituents were the Koch brothers rather than the people of Utah.
To "Hutterite" and who are you going to get to establish the laws and
regulations for a single payer system? Are you going to trust the same group
that couldn't get an insurance program right to get a single payer system
right?Plus, why go for a single payer system? Do you hate the
elderly that die every year on wait lists or die becuase they are not allowed
the best medications?
Most people now using Obamacare are discovering that it is basically what
catastrophic insurance used to be. There are huge co-pays and annual deductibles
that often range from $6,000 or $8,000 or sometimes even higher. In other words
you have to have something very serious happen before Obamacare will pay out
anything at all. That's basically what catastrophic insurance is... or was.
And since only 7 million out of the 335 million people in America
are now using Obamacare, the outcry has been relatively minimal. But when the
much bigger phase 2 kicks in after this next election (the timing of that was
purposely delayed until then) when employer-based Obamacare insurance plans
becomes mandatory and starts effecting the majority of Americans, there will be
a huge uproar and general rebellion against Obamacare. Democrat Congressmen who
are already trying to distance themselves from Obama will be running for the
hills. Comparatively, "you ain't seen nothing yet!" Wait, watch and
learn. It won't be pretty.
Shaun,Exactly the response I get from liberals when we point out how
people are losing their insurance and doctors – I got mine, too bad about
the rest, but I really don’t care.GaryO,Didn’t
matter what was happening before. Didn’t matter if narrow networks
impacted access. What part of “...you can keep your doctor.
PERIOD”, do you not understand?Please tell us what is
confusing you, so we can help you.I think from your 8:54 am post we
get the idea that you will have to pay through the nose if you really want your
doctor. Sorry, that is NOT what BO said.Jeez, the mental gymnastics
one goes through to defend the indefensible is incredible. Must be exhaustingly
frustrating being a BO apologist.ItsjustmeagainPlease pay
attention:Doesn’t matter what the doctors or insurance companies
did. BO said it would not happen. BO lied.
@ GaryO:Do a bit more research and you will discover that many
doctors in America have opted out of Obamacare altogether. The red tape involved
and the far-reaching control it has over them makes it not worth it. As such,
for many people whose doctor made that particular choice, it doesn't matter
which option of Obamacare they choose, their doctor will not be available there.
And that list of doctors is continually growing. Doctors who
originally planned on being a part of this fiasco when people signed up are now
dropping out for the same mentioned reasons. Too much red tape and too much
control involved. Obamacare tells doctors which tests they are allowed to run,
which medications they can prescribe, how much they can charge, how many
different agencies they have to report to concerning detail of every one of
their patients, etc.. It's just not worth it to them.@
Itsjstmeagain:The insurance companies were forced by Obamacare to
cancel preexisting policies because they didn't meet all of
Obamacare's overly lengthy list of requirements. They didn't have a
choice in the matter. There was no scare factor involved whatsoever. Do more
Hey GaryO-Such a typical liberal response--deflecting the issue away
from the faulty Obama rhetoric in order to protect a leader who knowingly
misleads--all in an effort to advance a unpopular agenda--it's that
simple.Again--the issue has nothing to do with picking the right
plan or signing up for insurance that your doctor will accept, before, or even
after Obamacare. No one is questioning the fact that people should be smart when
choosing insurance. Of course people should take responsibility for their own
actions or "lack of action."The issue is about the American
people originally being sold a bill of goods by perpetuating a myth, only now to
be exposed as such.That's about as straightforward as it can
Hutterite: The Veterans Administration is a single payer system! NO THANKS!
Please pay attention.Only the insurance industry canceled policies months
before 1 Jan 2014. Not the ACA. They did it to scare you into buying a policy
outside the exchange at higher prices.Only the Doctor or groups decide
which plans they will accept. ACA provides a large number of plans to chose
from. Some cheap, some more inclusive.When you do not do any homework,
like check with your Doctor if he will accept the insurance then you hurt
yourself. You can keep your Dr. but pick the right plan.
Hey Cletus from Coalville -"If you like your doctor, you will be
able to keep your doctor."Right. If your really like your
doctor, then you will find health care insurance your doctor will accept.It's that simple. And no, YOU have to do it. It's not the
government's job to do your legwork for you.If you like you
doctor, then sign up for insurance he will accept.That's about
as straightforward as it can get. Don't blame Obama for your mistakes.
@ ordinaryfolksUm--it looks like you missed the point that everyone
else seemed to get--an answer to your question why this is news? Of
course people had to change doctors before Obamacare--that's not relevant
to the answer to your question of why this is "news." The fact of the
matter is that Obama served up a nice cold drink of Kool-aide, of which you
willingly guzzled, by claiming "no matter how we reform health care, we will
keep this promise: If you like your doctor, you will be able to keep your
doctor. Period."Being the good liberal you seem to be, this
false promise really shouldn't be news because the end justifies the means.
The new invitation to the American people now reads, as Parker from the Center
for Urban Renewal and Education sardonically penned, "You are cordially
invited onto the government plantation. P.S. We're in charge but you pick
up the tab."
Hi David –You may be confused about what the article said.
“Before the law took effect, experts warned that narrow
networks could impact patients' access to care . . . “ There are probably hundreds of health insurance plans that qualify under the
ACA . . . different variations from different insurance providers. Due
diligence would require looking at a plan you like, and BEFORE you sign up for
it, consult your doctor’s office and see if they will accept it. Not that
hard, huh?“Conservatives” should just give up on their
I’m-so-helpless mentality, and the constant whining about the mythical
government boogeyman.Chris B –I know, I know . .
. It’ll be OK.Thank you guys for reaching out. I’m
glad I could help.
Doctors are trained to evaluate, diagnose, and treat stuff. But they must also
make enough money to cover their business expenses and make a profit to provide
for their families. So approaching a doctor and asking him/her to contract with
a very poor insurance plan that will not reimburse sufficiently to provide
profitability is akin to slavery. You're asking the doctor to work for
nothing.One post here suggested asking the doctor to ignore the junk
insurance policy and simply sign up because the patient needs treatment. The
medical profession is a business too.Do you think I am making this
up? It happens all the time.
I could care less about other people losing their doctor. All I care about is
me. Its the republican way.
@CletusDon't the vast majority of us get our health care from
our employers? Does any employer ask his/her employees who their
doctor choices are? Do employees get any say in what even might be covered?Your argument about all of this is rather stilted by your biased views
of the President.
A little statistical analysis would have been appropriate for this article. The
fact that it relies on anecdotes and unquantifiable assertions says more about
the article than it does the ACA.
Why can't we have leaders who tell the truth? Come clean with the
people!We won't see our taxes go up a single dime, and the
deficit will be cut fifty percent in three years.You can keep your
plans, and your premiums will be reduced by $2,500 a year.Hillary
stated she was under fire in Bosnia, when she wasn't. --She may be the next
GaryOIn the article it states that people were told their doctor
would be on their new Obama-approved plan, but when they received their
insurance cards they discovered the opposite. How can people do more
due-diligence than they already are.It is liberals who think
Americans are too incompetent to manage things themselves so they need the
government to do nearly everything for them. Conservatives trust
people to manage their own lives.I'll cast my lost with
conservative philosophy.By the way, Obamacare is a nightmare.
If you're not yet willing to see how badly we need a single payer system
we'll just keep trying to make a failed one work. In other words, if we
haven't suffered enough, it's our right to suffer some more.
Gary0,Barack should tell us the truth don't you think?Don't you think he should understand obamacare?If barack knew
that what he was saying wasn't true, why did he say it?Or did
he not understand obamacare?Not a very good example of competence or
honesty he's providing to the nation's childrenI'm
glad I could help you.
You forgot to add the part where the insurance was going to be AFFORDABLE. Well,
it is far from affordable. Over $600 a month for mediocre coverage for a family
of 3 is nowhere close to affordable.
Hey Vanceone –Yes, Obmacare is “progress and better than
what we had before.” Nice phrase. I couldn’t agree more.But what the author found is troubling.“Before the law took
effect, experts warned that narrow networks could impact patients' access
to care . . . “Gosh, even with repeated warnings, people
neglected to confirm the plans they selected would be accepted by health care
providers.Obviously people should do their due diligence before they
select an insurance plan.You shouldn't expect the government to do
everything for you, should you?Americans should be able to exercise
some independent thought, don't you think? . . . And not blame the
President or the government for their own failure to behave in a reasonable
manner.It seems to me that "Conservatives" far too often
look for scapegoats, when they should take responsibility for their own actions
or lack of action. Don’t you agree?I'm glad I
For those who in the past have refused to carry insurance, I am getting a
little tired of my insurance paying inflated prices when you have serious
medical problems that you are unable to pay for and the hospital "eats"
the bill.Hospitals are businesses and if they are not able to get
revenue from one source they simply increase the cost to other sources who are
able to pay.As one who had an immediate family member treated for
cancer with out insurance it would be difficult for me to pay all the bills
associated with the treatment.
When I was shopping for a plan, I found one I liked through IHC. However I
found that my doctor could not take that insurance because IHC would not let
them. I was basically told by Select Health that they only wanted their own
doctors to be used for business reasons. That was unacceptable to me and my
wife so we found a different plan that was just as good that allowed us to use
our current doctors. I have decided that I will never use IHC if I can avoid
them. I have heard other 'business' decisions they have made and find
them to be less than 100% ethical, in my opinion.
Ted Cruz, Mike Lee and other conservatives tried and tried to warn the American
people! November can't come quick enough when we can finally say goodbye to
the Harry Reid fiascos!
@ordinaryfolksI will dispute what you said....If your insurance
removed your doctor as an option you could have simply changed plans and
followed your doctor if you so chose. Not only that did your insurance company
stand up in front of national TV and profess 30 plus times (in an effort to
con/deceive you into buying their policy) that they would never change your
doctor?So what if it was done before. The point is the President
knowingly lied and deceived to get the legislation passed so they he could
access other peoples money to give/subsidize to others who previously did not
have in nothing more than a bald faced effort to buy their votes.They get access now thanks to who? That is what he is banking on (taking
credit) and he gets everyone else to pick up the tab for it so he can finance
his and other democrats campaigns with it.If a politicians mouth is
moving they are lying. Bank on it. I'm just tired of paying for their pet
projects to give others something for nothing. My now catastrophic
insurance is terrible AND much more expensive.
@lost in DC"I also read on Yahoo that the BO misadministration gave a
$1.2 BILLION contract to a BRITISH company to administer Obamacare sign-ups. The
same company is under investigation in the UK for bilking the British government
out of tens of millions of pounds."We have a federal law
(largely to prevent favoritism of which you later accuse) that requires many
things be contracted out to the lowest bidder, but then we seem to be stuck with
cases of getting shoddy results.
Hey "Conservatives"Obviously people should do their due
diligence before they select an insurance plan.You shouldn't
expect the government to do everything for you.Americans should be
able to exercise some independent thought, don't you think? . . . And not
blame the government for their own failure to behave in a reasonable manner.It seems to me that Right Wingers far too often look for scapegoats,
when they should take responsibility for their own actions or lack of action.
I'm glad I could help.
Talk to your doctor. Several years ago, my employer changed providers and I got
stuck with one that didn't cover my dentist. I went and talked to him and
he signed up with the carrier; he had several patients with the same issue. 25 years ago, my employer changed plans and did not cover my
pediatrician. I spoke with him and he signed up -even though he absolutely
hated the carrier. Good doctors want to care for their patients -
especially the long term ones.
Eagerly awaiting the liberals to tell us how less choice and more expense for
less care is progress and better than what we had before.
If people think there are now a lot of customers with buyers remorse over
Obamacare signups, just wait until the 2nd and bigger phase of Obamacaree kicks
in later this year. Things will get much, much worse. The president
readily knows that. And that's the precise reason he delayed implementation
of it until after this next Congressional election. Had he not, so many voters
would be so disgusted with Obamacare that nary a Democrat running would be
reelected. In fact, many Congressional Democrats are distancing
themselves from the President as fast as they can. And not just over Obamacare.
His stance on the Keystone pipeline and other energy issues is currently hurting
the democrats in the eyes of most of America.
@CletusI did not defend the President. I do not defend the past or
current for-profit insurance business. Nor do I have anything to relate to your
screed about the Bush lies.I merely point out that I have had to
change doctors because my insurance did not chose to keep the doctor I had as an
in network provider BEFORE "Obamacare". It is a false criticism of
current law to make the inference that this would never have happened before
"Obamacare". It happened to almost everyone at some point.I
pointed out that insurance companies are in the business of generating profit.
BEFORE or AFTER "Obamacare" this is the system we have, which I doubt
will change much. Being the good conservative you seem to be, you must surely
applaud the insurance industry's claim to profit, even when that profit
might come at the expense of you personal health preferences and needs. Whatever your problems with the President may be, you certainly can not
dispute what I have said.
Doesn’t matter what excuses BO apologists come up with. BO said:"If you like your doctor, you will be able to keep your doctor,
period."ordinaryfolksDoesn’t matter if doctors or
hospitals could choose to leave a plan before Obamacare. “…you will
be able to keep your doctor. Period” means, you will be able to keep your
doctor. See, the “period” is there for emphasis.Maybe
BO didn’t read nancy’s bill before he signed it.I guess
now the apologists will say they were junk doctors anyway, and the Obamacare
doctors are better – same as their excuse for people losing their plans
– they were junk plansI also read on Yahoo that the BO
misadministration gave a $1.2 BILLION contract to a BRITISH company to
administer Obamacare sign-ups. The same company is under investigation in the
UK for bilking the British government out of tens of millions of pounds. They
are paying people to stare computer screens and do NOTHING but refresh the
screen every 10 minutes. Do a search for Serco. Wonder how much they gave to
BO’s election campaign?
Another day and yet another manifestation of the incessant lying we get from
government leaders. The supposed President himself no less.I
sincerely wish voters would wise up. If a politician speaks then you should
understand he/she is doing one of two things:1. Telling you what you
want to hear to get your vote to secure money and power for themselves.2. Making promises (at your expense) to donors to get money in exchange for
legislation.People need to understand that the best government
leader is one that knows he is going to be there one term until they get voted
out...regardless of party affiliation.We all know the longer they
stay the more corrupt they become the more they owe the more they
"fudge" the truth the more power the seek and the more deals they
arrange to financially benefit themselves after they leave office.Vote them ALL out every term and maybe just maybe we can have someone who
takes office with good intent actually follow through on what they said they
would do and do it for the right reasons.
@ordinaryfolks“This is news?”No--of course
it's not news to liberals who don't really care what was promised to
Americans by the leader of the free world---only to be exposed later as false.
You see, progressives could really care less what the current president says
because liberals continue to mistakenly buy into the myth that government has
the answer for virtually every societal problem and issue imaginable.That's why it's not news to you--unless it's a conservative
president who misleads---then it's BIG NEWS worthy of being splashed all
over the major news networks!
I do think that the US President has the right to lie (which is said on CNN by
one guest) because you the American people elect the President of US. Right?
It used to be, if you didn't like your insurance plan. You didn't have
to carry it. Now you are forced to carry an insurance plan that you don't
like, with less coverage....Hope and change just gave us a lot of
nothing. The only counter argument from the left, is to try and demonize how
things used to be.
Jeez, this happened to us before the Health Care law went into full effect.
This is news? Insurance companies spend a huge amount of time figuring out how
to save money. They are a for profit business. It is their job to cover us for
the least possible cost to them. Just what part of the free enterprise system
don't folks understand?
So when barack promised we could keep our current plan, he really meant "you
can keep your plan unless I decide you can't"And when he
promised we could keep our doctors he really meant "you can keep your
doctors unless obamacare makes it so you can"Thanks Barack for
your honesty. Either he didn't understand obamacare or he knowingly lied
time and time again.Which is it?
How can this be?!We have the great barry Obama on record over 32
times stating you will not lose your doctor. Everyone will see an average $2500
in savings. Everyone will be insured. People wouldn't lose homes. There is
no death panel. And it is not a tax.He also told us he is clueless
about Benghazi, however when it came time to get Osama he personally trained the
seal team 6 to go after him. In fact he said they were soo incapable of making a
plan, that he told them to bring back up helicopters just in case. No other
president, he claimed, could have done that. You know like George Washington
that actually fought in battles and put his neck on the line, no....barack was
much much more than him.