Here's a radical idea--make it illegal for doctors and hospitals to charge
$1500 for walking into an ER for stomach pains, $800 to take a urine sample,
$600 to read your blood pressure, etc. The true gouging is being done by the
health professionals, and if we as a country did not allow that, then we
wouldn't be worrying about Obamacare at all. We would be paying 1/1000 of
what we are now, and we could be out of pocket for the whole thing for less than
our family deductibles and co-pays now. Plain and simple. And, no, I'm
not saying doctors should work for free. I'm saying they should have a
rate cap of about $50-$75/hour for their services and still be in the top 10% of
wage earners by doing so. Machinery also gets paid for 10000x over, and the
rates for use of these machines should be greatly diminished. Think about it,
Some people seem to misunderstand the whole concept of insurance. Whether
it's some "socialist" scheme of Obama's or the traditional
method that has been accepted by private companies for centuries it's the
same. Everyone pays in and then the company uses that money to pay out to those
who need it as the case may arise. That way, everyone is "insured" that
they won't go bankrupt if some big problem comes up, which it may, or may
not. Yeah, sometimes you pay in and you don't go a doctor all year. What
you're really paying for is the possibility. Why does this concept turn
into socialism when we're talking about Obama? Why would we want a society
that allows poor college kids to be without the protection of insurance just
because they're financially less able to pay at the moment?
Many parents of college age children struggle with financial responsibilities!
How long should a parent continue to support adult children? Once they get
married, they are telling me they can stand up on their own! For those
people that have Tricare (retired military), once your child is no longer a
student, married, or turns 23--you cannot keep them on your insurance. Ironic,
"Y'know, I keep seeing arguments like this decrying the boogeyman of
socialism... But that looks like a good plan to me. Let's be
socialists!". Any health insurance plan that pays for a doctor
performing a digital rectal examination (DRE) has to be socialism.
"Sad that ObamaCare forces people to buy things they don't want or
need, all in the name of the liberal agenda." The ACA was
originally proposed by Republicans. Kemp, Dole and then Romney. If you think you
don't like the mandate when it comes to health care just wait for the
Republican mandate when they get their greedy little hands on Social Security.
You will be forced to put money into their stock buying plans designed by Wall
Street. And oh yes the US Federal Government will have to bail out Wall Street
if there is a catastrophic loss.
Another example this failed piece of legislation. The longer this law remains
in place the more people lose their insurance, or becomes too costly to afford.
Hopefully the new administration at 1600 Pennsylvania, will come up with a
solution, rather than bureaucratic rhetoric.
BYU is trying to develop a health care plan that will fit the needs of their
students. Obamacare says you can't have a health care program that will fit
the needs of the people who will be using your insurance, you must have a
program that will fit the needs of people in California and Texas and Illinois
and--on and on and on. What happened to "If you like your plan, you can keep
To "Mr. Whim" so then, you could have obtained coverage before the ACA,
you just didn't want to have to pay out of pocket for 6 months of treatment
before you could get on HIPUtah.
@Frozen FractalsYou are incorrect. Marriage does not remove the
option to remain on parental insurance until 26. This is for sure from the HR
Dept of a Fortune 100 company.
@RedShirtA person is eligible for Federal-HIPUtah coverage if he or
she meets the following criteria:...5. Has not been covered under
creditable coverage during the six-month period prior to applicationIn other words- I would have had to wait for 6 months, without coverage,
without treatment, and then APPLY to MAYBE get covered. 6 months without
treatment would almost certainly have made my condition immeasurably worse.
@GregorioY'know, I keep seeing arguments like this decrying the
boogeyman of socialism... But that looks like a good plan to me. Let's be
So, the University of Utah successfully adjusted to a changing landscape, but
BYU is struggling with the same adjustment.Where have we seen this
To "Mr. Whim" you are wrong. Prior to the ACA you could have obtained
insurance through HIPUtah.
How can such a wealthy church that builds malls and owns Billions of dollars in
businesses not be able to afford decent health care? The complainers here
continue to use this forum to bash Obama. What part of the kids can be on
parents plans until 26 don't you understand??
"If you like your insurance you can keep your insurance", "If you
like your Dr. you can keep your Dr".I know this is true because
Obama said so.The BYU story, therefore, must be false.
@Vanceone"Facts are, Obamacare spikes insurance costs."Healthcare costs have increased at a slower rate the past half dozen years
than at any other rate in the past half century.
@GZEI think marriage removes the option to stay on a parents' health
plan until 26.
Insurance companies sole goal is to make money."It turns out
that one of the reasons workers have been paying more for their coverage is
allegedly a common practice among insurers: charging their employer customers
unlawful hidden fees.The fees came to light when Hi-Lex Controls, an
automotive technology company, took Blue Cross Blue Shield of Michigan (BCBSM)
to court in 2013 after becoming suspicious that the company had been
systematically cheating it over 19 years. After reviewing evidence in the case,
a judge ordered that BCBSM stop charging the hidden fees and pay Hi-Lex $6.1
million.Documents filed in the case showed that in 1993 BCBSM
implemented a scheme through which it would collect additional revenue by adding
certain mark-ups to hospital claims paid by its self-insured customers. Most of
the country’s largest employers self-insure, which means that they are on
the hook for medical claims when employees and their dependents get sick or
injured. Self-insured companies hire firms like BCBSM to do the paperwork. It
is the employer’s money—not the insurance company’s—that
is “at risk” in such arrangements."(Wendell Potter)
The ACA mandates that insurers must accept preexisting conditions, which
includes "gender identity disorder", considered a preexisting condition
before the law. There is nothing that specifically "requires" health
plans to cover certain things, so much as it disallows them from discriminating
against pre-existing conditions.
Obamacare provided massive government subsidies so that more people could buy
healthcare at the same inflated prices that so threaten the US Treasurer and our
global competitiveness. Here is the 2700 page Obamacare condensed to 4
sentences for the BYU students on Health Plans offered to the students:1. In order to insure the uninsured, we first have to un-insure the insured
like at BYU today (DN 3 Sep 2015)2. Next, we require the newly un-insured
to be re-insured at BYU.3. To re-insure the newly un-insured BYU students,
they are required to pay extra to the re-insured.4. The extra charges (
like at the U of U) are required so that the original insured, who became
un-insured, and then became re-insured, can pay enough extra so that the
original un-insured can be insured free of charge to them.(THIS IS CALLED
"redistribution of wealth"...or by its more common name SOCIALISM!)
It isn't as if this all came out of the blue, they were granted an
extension so BYU knew this was coming up and the students and BYU should have
planned and been prepared! I don't understand why they didn't take
care of this? They should already have a compliant plan available or a
coordinator on campus to assist students with registering through the
goverment's ACA exchange since Utah still doesn't have one. OR even
better the state of Utah could FINALLY set up an exchange so that Utahns can
enjoy the same healthcare coverage that people in neighboring states like
Colorado enjoy. I am sympathetic to the young couple in this article, but she
said the cost went from somewhere in the high $300 range to around $476, if the
$476 is for both of them it is actually a savings, that is only $235 ish per
year each? Regardless BYU should have been on top of this like the U of U was!
@Flashback"Let insurance be transportable across state lines"You obviously have never worked in the billing dept of a drs. office or
a medical facility and have no idea of the complexities and difficulties
trying to get payment from insurance companies for in-state policies. If drs. simply billed pts for their services and left it up to pts to get
reimbursement from insurance companies, we would have single-payer tomorrow. Young adults can stay on their parents insurance until they are 26 (I
believe even if they are married). I don't understand why a parent
wouldn't permit that--even if they required their child to reimburse them
for their portion of the insurance premium.
Without the ACA, I would never have been able to get insurance again after I
turned 26 this year. My contract job ended, and absolutely no one would have
re-insured me due to my having Multiple Sclerosis.What I'm
hearing a lot of here is "I don't care about people who can't
afford insurance otherwise- Obamacare is specifically inconveniencing ME, so
it's a complete failure."
Most BYU students will never see the inside of the health center or a
doctor's office during the time they are in school. For the most part they
are healthy, active young people who do not need the care of a physician. Yet
they are forced to pay for expensive medical coverage. A little insurance to
cover the minimal risk of catastrophic care is about all they need.
Tilly Sue, where in the Constitution does it say anything about building roads,
building schools, fire protection, police protection, building dams that save
lives, VA hospitals, environmental protection, food safety, building
inspections, medical research to save lives, the FAA so planes don't
crash-well we wouldn't have airplanes by your logic, etc etc etc.
Libertarians live in a fantasy land where we would be a second or third world
DN must not have liked my last post...let me try againHere's
the bottom line. The real reason behind her inability to be on her parents'
insurance likely has little to do with Obamacare. I am no fan of Obamacare, but
it seems the article and most posters are getting all wound up when the real
issue is much clearer to those who know a thing or two about how benefit
enrollment works.The only way she can't get on her
parents' insurance is if the parents are not currently paying for family
coverage or, if they are, this current situation may not qualify as a qualifying
event to trigger a PIE (Period of Initial Eligibility) wherein her parents could
add her to their existing family coverage. So she may have to wait until their
open enrollment to make the change.One can envision a scenario where
kid gets married and mom and dad drop down to employee and spouse coverage to
save money thinking it would be cheaper for the kid to use the BYU insurance.
Personally, I'd think that would be really cheap of the parents to do this,
but that's just me.
Lyn 52,"Substandard"? Before Obamacare the BYU plan was
acceptable but now Obama has set the "standard"? Why is that
acceptable? Why not let the market set the standard rather than some
politician?Has Obama's plan lowered healthcare costs? Hardly.
It has only decreased the amount government has paid towards healthcare.But Liberals want a universal plan with every American covered. That
will only increase government spending on healthcare, and increase our taxes to
cover it. And we all know what we'll end up with--Medicare and the VA for
Orwell's 1984 didn't even come close predicting the disaster that
would be to this nation under liberalism.
Having been on the BYU health plan while a student there - and worse yet paying
for the maternity coverage for my non-student spouse - I can absolutely say
these students (except those who are in Utah's unfortunate unnecessary
Medicaid/ACA gap) will be far better off getting Obamacare coverage. That said,
it shows how Obamacare is indeed pushing people into it. While expensive,
students saw the BYU plan as sufficient and as being a reasonable price
considering all factors. But, Obamacare says it's not enough for this
segment of the population which, on average, is extremely healthy. They must
have Obama's definition of "complete" coverage or face penalties,
but don't worry - the government is there to save you from the fines -
using other taxpayers dollars...and this isn't a step toward socialized
Ditto GZE...I don't get why she can't stay on the
parents' plan. Seems to me some people may be thinking the old rules apply,
but my understanding is that married or not, you can be covered under your
parents' plan for medical even if you are not their dependent up until age
26. Maybe the real issue is that the parents don't want to pay for family
coverage if it's just mom and dad still at home?
Lyn52The BYU insurance is fine. It is Obamacare that is the problem,
considering that it is a horrible law.
Obamacare is stupid and has a lot of unnecessary requirements for insurance
plans to be "compliant". The government should stay the heck out of
health insurance. If I want to buy health insurance that doesn't include
all of the stupid Obamacare requirements, I should be allowed to do so without
being penalized by the IRS (I could write an entire article on why it is absurd
that the IRS is now directly involved in health insurance, but I digress).
However, because it is currently the law, BYU should adjust their health care
plan to be compliant if only to help their students who buy the BYU health
insurance plan to not have to pay stupid fines to the government for not having
"compliant" health insurance. Even though Obamacare is dumb, BYU should
not allow that fact to hurt their students.
Why are people so determined to force college students to pay for gender change
insurance and maternity coverage? Facts are, Obamacare spikes insurance costs.
Obamacare compliant insurance is far more expensive that insurance that
doesn't cover all the "liberal wish list" items. BYU
has an honor code that students are supposed to follow, and have agreed to
follow. The only ones who need maternity coverage are the ones who get married
or who are married; if you get pregnant while single, you are probably going to
not be going to BYU for a semester or so anyway. That's the nature of
going to BYU--you commit to not doing stupid stuff; and not coincidentally, if
you follow the Honor code your health costs are going to be lower. Married
students I am sure have access to maternity coverage.So why punish
students who are trying to be healthy anyway? Obamacare is designed to bill all
the healthy young people for their grandparents health costs; it's a
massive wealth transfer from the young to the old. It's entire
"financial stability" is built on young people paying through the nose
and never using the services.
The one big benefit of Obama Care (though this would have passed separately on
it own) was that children can stay on parents healthplans until they are 26.
That is regardless if they are married or possibly even working. I
would expect most BYU students would fit this situation. Still, BYU
and / or the State needs to make some health plans available to those that need
Why not offer insurance that is ACA approved?? Why offer substandard insurance
to your students??
Why can't she stay on her parents health plan until she's 26?
That's the law. The only reason is that they won't let her.
@VanceoneNo, people who want single payer in the US want to create a
national insurance company, not buy or seize every hospital and doctors office
to make them part of a government owned chain of hospitals.
This is not an Obamacare bashing article. Truth, to be compliant with
Obamacare, or the ACA, policies have to cover certain procedures that our
previous insurance policies did not. For instance, transgender surgery must be
covered by Obamacare compliant policies,(that will cost in the $100,000s to
cover) inpatient Drug Rehab has to be covered, maternity has to be covered. So,
it is doubtful BYU is ever going to want to cover transgender surgery so their
own insurance will never be compliant.Truth, I thought I was being
gouged a few years ago with my $500 per month premium and $1000 family
deductible. However, I long for those days. The cheapest Obamacare compliant
policy for my family is $1500 per month with a $10,000 family deductible. Even
if we broke a leg, (which we have done twice) Obamacare wouldn't have paid
a cent. Why would I buy into this?Imagine paying $7,000 fees for the
broken leg, plus $18,000 for the insurance premium, only to have the insurance
not pay a cent! That's $25,000 for nothing. It's better to just pay
out of pocket and save the $18,000. I'll just have to stay the same sex.
So, looking at the out-of-pocket costs (including the ACA "penalty tax")
the BYU Health Plan is still a better deal. This includes premiums, coverage,
deductibles (the BYU plan has none), etc. Most students won't be able to
afford the gold and platinum plans. So, it looks like BYU made the right choice
for students. Most students won't even be effected by the
individual mandate anyway. Do your homework kids!
Utah Health Policy Project--thank you for posting the benefits of calling 211.
They can answer other financial issues for low income students that are single
or married. I needed info on food pantries for a family in our neighborhood.
They directed me to a helpful website. They can assist for food stamps,
housing, and many other items too. As a student you may learn that you are
better off making less money working while in college and temporarily using
government benefits. This can also mean less school loans.
@ Vanceone, no one is saying duplicate the VA system. No one. It's apples
and oranges. Your claims are false and deliberately misleading.
If the U of U can make it work, so can BYU. The problem is at BYU.
Take Care Utah's enrollment experts are available to help anyone in Utah
who has questions about health insurance--not just BYU students. All assistance
is free. Take Care Utah has helped tens of thousands of Utahns learn about their
new health insurance options and get signed up. Find the nearest enrollment
experts at the website, takecareutah-dot-org, or by calling a statewide call
center at 2-1-1.
Remember, the left says that we should have single payer. Like the Veterans
Administration. Today, the Inspector General just released his
report that said that at least 307 thousand veterans, or about 1/3rd, died while
waiting for the VA to approve health care.This is the system that
the left wants for all of us. A system where 1/3rd die.
"You like your doctor? You will keep your doctor. You like your plan? You
will keep your plan."-Barack Obama. The ACA is nothing more
than a way for large insurers to make money while cutting back on services.I for one don't want my children covered by my insurance once they
get married. At that point, it is their responsibility to get their own due to
starting their own family.Since the advent of ACA, my insurance has
gotten worse. I used to have a 90/10 plan with no deductible nor "out of
pocked" expenses except the copay. Now I have a huge deductible that costs
me a lot. Also my plan is now 80/20 and I pay a lot more because of the 20% AND
the deductible.The ACA is a crock.Two suggestions.
1-quit catering to the big insurers and let insurance be transportable across
state lines. 2- Get the lawyers out of health care. Let them sue if someone
really screws up. But not for everything.
Sad that ObamaCare forces people to buy things they don't want or need, all
in the name of the liberal agenda. This country used to be about individual
choice and responsibility. Increasingly, neither are valued by a growing
majority of the population. It is easier to let someone else to make your
decisions for you, and ask others to pay your way.
For all of you who are enamored with the ACA and criticize those who complain
about the law, here are some real life facts from a friend who just retired as a
HR director ... but at least you get free contraception, right? That's why
we need Planned Parenthood.....but I digress.My friend was HR
director at a government agency. Before presenting to his departments, he had to
read the ACA multiple times to attempt to understand it. Still confused, he
would call HHS, who couldn't address the questions ("it's still
evolving"). The additional cost to comply to one department alone was over
$700,000. And for those promoting universal health care. Are you
kidding me? Medicare and the VA System is so screwed up, now you want to make
sure everyone participates in these types of programs? I would rather keep the
burden of healthcare rather than the burden of poor healthcare. Just because the president says it is working, doesn't mean it is
working. Thank you very much, but I like my doctor and like my healthcare.
Remember, that lie? But the gullible will continue to believe.
Where in the Constitution is the federal government given jurisdiction over
@Wisconsin Moderate.Universal healthcare would simplify things greatly.
The pluses are it is great if you are relatively healthy and only need basic
medical services. The downside is that when you get old and need specialized
services or surgeries, you will need to take a number and wait...weeks, months,
and sometimes years, and hope you don't have a problem that is going to
kill you. But, it does look like we are eventually headed for universal
healthcare. This is what we collectively chose in the last few elections.
And this is the same "culture" that is going to fix Utah's Health
Insurance problem. What this exposes is what some of us have known
all along and that is the "culture" has no intention of doing what is
best for the citizens. Their actions are always twisted by some form of twisted
ideological ideas what's in it for me, with a healthy dose of never, never,
never, do what Obama has suggested.
It has been almost 7 years since the ACA was passed and BYU is still struggling
with it? I hope they don't expect any help from the legislature since the Y
is a private school. If the ACA would have been passed by "President
Romney", BYU would probably been the first in line to enroll in this
Another reason to expand medicaid. We just found out where a lot of people in
the coverage gap reside.
This is why we, like the rest of the developed world, need universal health
care. This would take the burden of offering health insurance off of BYU.
Why are we only finding out about this after the expiration? This news is coming
so late, after insurance plans have already been purchased. It seems BYU Health
insurance has decided to be a niche player- covering students who don't
earn enough to be penalized. If that's not it, I'd like some clarity
from the people running this plan about their intentions.
Just another in a long string of "we resent Obama and won't do anything
that goes along with him" articles on the DN.In the first place,
the entire article is deceptive, because she does not mention that students
whose parents signed up at Healthcare.gov are covered until they are 26, if the
parents choose to keep them on their plan.I am extremely dubious
that BYU finds the ACA's rules so terribly wrong that they are happy to
force students to pay fines, rather than go along with something that is working
well in other States. To me, it looks like they are playing politics."... BYU's student health plan does not comply with a number of rules
imposed by the ACA, including those that say insurers can't place annual
dollar limits on benefits and others that place limits on how much insurers may
spend on administration, marketing and profits."--- Those do not
sound bad to meThe issue of contraception, which the health care law
requires insurance plans to cover for free, was also “one of the
factors” --- Married students get contraception. Is there some
twisted idea that covering unmarried promotes sin?It's not 1960