The Dismantling of ObamaCare - Ongoing Updates.

[junkman]

We had problems before ACA in that those without group access could not pass underwriting. It don't matter unless it's your family. Then, it's 100% your problem.

I was with a group of friends who are healthy enough to EASILY pedal a bike 50 miles on any day of the week. Exactly none could pass individual underwriting. Exactly NONE could buy any medical insurance and ALL could afford the premium.

The Repubs are only waiting for the ACA crash and trying to maintain control of Congress after the upcoming elections.

 

[ARus]

Who are these sick people? Are they rich, poor or working class?

Rich- can afford health insurance.

Poor - Medicaid(Tax payers)

Working class - employer or individual coverage - pay for it themselves- one reason why they work.

Working class who are sick and did not have insurance either by choice or no fault of their own making. High risk pools. And if they need help to pay for it the government(tax payers) can help on case by case basis.

Its basically what we had before Obamacare.

Stop blaming our society...not only do we take good care of our citizens but we are helping more people in this world than any society in history!

Before and Now, Here and There = the above is called Propaganda

 

[Yagents]

the above is called Propaganda

And this............ is why you lost the election. Keep thinking these are fake stories.

 

[ARus]

And this............ is why you lost the election. Keep thinking these are fake stories.

I am not a Demo, I am not a Rep. I am a Humanist and above all this mess. Comprende?

We should pride from anything done well and properly. I am in pain from all this big fight. I can't find a TV to watch, and news to listen to. Too much bad people without good reason for it.

 

[toddoxley]

I am not a Demo, I am not a Rep. I am a Humanist and above all this mess. Comprende?

We should pride from anything done well and properly. I am in pain from all this big fight. I can't find a TV to watch, and news to listen to. Too much bad people without good reason for it.

The democrats own ACA, republicans have to fix it. The way to solve the issue of pre-ex in the individual market was not to change the entire American Health Insurance industry , the solution is to find a way to provide medical care for these folks.. And leave everyone else alone. What have with Obamacare now is not insurance, that is why most carriers that sell insurance have abandoned the market. High risk pools with tax payer funding and allowing insurance companies to underwrite and sell insurance is the answer.

 

[HoosierLife]

Maybe someone can explain something to me. My wife's employer plan has a Co-pay/non-HSA plan with a higher premium and then a 15% coinsuranse (after deductible of course) HSA.

A few years back we made the switch to the HSA plan and fully fund it. One of my big concerns was the office visits. My wife had cancer and she goes to the doctor regularly. I also go to the doctor every once in a while.

Before we made the jump to the HSA, I called our PCP and some of my wife's specialists and asked what the difference would be between then $20/$40 co-pay and insurance adjusted office visit under the HSA plan. They told me it would likely be $5-$10 more than the co-pay. Ok sounds good. And they were right.

Well yesterday I happened to look at one of my doctor bills. I visited my PCP because I injured my hand and wanted to make sure it was nothing serious. Ten minutes, in and out.

Cost: Before insurance adjustment $140, after $100.

When did that start happening? And what caused the cost to have a 400% increase, even with insurance, in 2 years time???

 

[scagnt83]

Maybe someone can explain something to me. My wife's employer plan has a Co-pay/non-HSA plan with a higher premium and then a 15% coinsuranse (after deductible of course) HSA.

A few years back we made the switch to the HSA plan and fully fund it. One of my big concerns was the office visits. My wife had cancer and she goes to the doctor regularly. I also go to the doctor every once in a while.

Before we made the jump to the HSA, I called our PCP and some of my wife's specialists and asked what the difference would be between then $20/$40 co-pay and insurance adjusted office visit under the HSA plan. They told me it would likely be $5-$10 more than the co-pay. Ok sounds good. And they were right.

Well yesterday I happened to look at one of my doctor bills. I visited my PCP because I injured my hand and wanted to make sure it was nothing serious. Ten minutes, in and out.

Cost: Before insurance adjustment $140, after $100.

When did that start happening? And what caused the cost to have a 400% increase, even with insurance, in 2 years time???

Hoosier,
The $100 you paid is not a Co-Pay. It is the full cost of the services provided.

A Co-Pay, is just a tiny portion of what the actual services cost. This is why Premiums are higher on a Co-Pay Plan.

A High Deductible HSA Plan does not have Co-Pays. You pay the entire cost of the service provided by the doctor out of pocket (or out of your HSA) until you reach your deductible.

But most High Deductible Plans cover 100% of services (or close to it) once you reach the deductible.


So think about it this way. Before, you were paying just $20 out of $100+ cost. And you paid a higher premium because of that.

Now you pay a lower premium, but you pay the full $100+ cost, until you reach the deductible.


Honestly, for someone who goes to the doctor on a regular basis with a serious condition like cancer, the Co-Pay Plan is probably a better deal for your family. The Premiums are higher, but you will pay less out of pocket at the doctor. If your fam has lots of doc visits, it will probably make sense to keep the Co-Pays.

 

[HoosierLife]

Hoosier,
The $100 you paid is not a Co-Pay. It is the full cost of the services provided.

A Co-Pay, is just a tiny portion of what the actual services cost. This is why Premiums are higher on a Co-Pay Plan.

A High Deductible HSA Plan does not have Co-Pays. You pay the entire cost of the service provided by the doctor out of pocket (or out of your HSA) until you reach your deductible.

But most High Deductible Plans cover 100% of services (or close to it) once you reach the deductible.


So think about it this way. Before, you were paying just $20 out of $100+ cost. And you paid a higher premium because of that.

Now you pay a lower premium, but you pay the full $100+ cost, until you reach the deductible.


Honestly, for someone who goes to the doctor on a regular basis with a serious condition like cancer, the Co-Pay Plan is probably a better deal for your family. The Premiums are higher, but you will pay less out of pocket at the doctor. If your fam has lots of doc visits, it will probably make sense to keep the Co-Pays.

No I understand all that. But just 2 years ago, a PCP visit would still only cost ~$30 and a specialist ~$50.

Now the cost is much more.

Plus it's hard to justify double the premiums and $6000s less in taxable income.

We actually use all of our HSA each year too.

----------

Plus it's all about to change. My wife is having our 2nd in Nov and will be coming home after that.

So then it's all up in the air. Hopefully whatever craziness comes of Trumpcare will have worked itself out by then.

Cobra on her plan is $18,000/yr. Well that's with funding the HSA.

 

[scagnt83]

No I understand all that. But just 2 years ago, a PCP visit would still only cost ~$30 and a specialist ~$50.

Now the cost is much more.

Perhaps I misunderstood what you posted.

You are saying there are 2 different options she can choose from her employer.
1. Co-Pay Plan with no HSA
2. High Deductible with HSA

You used to be on #1. Now you are on #2.
On Plan #1, you paid $30 or $50 when going to the doctor.
On Plan #2, you now pay $100 when going to the doctor.

Is all that correct?

 

[bluediamond]

Who are these sick people? Are they rich, poor or working class?

Rich- can afford health insurance.

Poor - Medicaid(Tax payers)

Working class - employer or individual coverage - pay for it themselves- one reason why they work.

Working class who are sick and did not have insurance either by choice or no fault of their own making. High risk pools. And if they need help to pay for it the government(tax payers) can help on case by case basis.

Its basically what we had before Obamacare.

Stop blaming our society...not only do we take good care of our citizens but we are helping more people in this world than any society in history!

Not all poor can get Medicaid. Have you forgotten about the states that did not expand Medicaid?