"if you like your doctor we don't give a ****."

[JoseCuervo]

Started? it sure has my premiums in 2014 when I bought my own health insurance was $830/mo. , then I got forced into Obama care and for 2016 the same plan is $,1856. but I get eye and dental, for children, mental and substance abuse coverage, birth control by murder, my kids are grown, I do not drink smoke, or do drugs. and do not kill. But I pay for that coverage.

I did get to keep my Doc for now. but told me he is thinking about retiring early due the BS.



The real screwing is coming with the tax credits, no one knows what household income really means and many will be getting big surprises when the IRS says you got too much credit. this is a cluster screwing

Where do you think the monthly premium you pay goes?

If you are upset with it, you must have a well reasoned explanation where it is going.


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[Bill]

I'm guessing we are in the 70-100 range once everything settles.

My issue was well north of $150k, I ended up having to pay ~$16k out of my pocket. (2 years worth of max out of pocket/deductible)

 

[Getonit]

I am not going to blame O-care as it simply made a bad situation worse. Medical costs are out of control in this country for a sub standard product. And before somebody criticizes my statement, facts are we are #1 as % of GDP by about 50% and rank 27th in total outcomes and health care. Those are facts which if somebody wants to argue I will repost again. I am on the right wing of the political spectrum if that helps.

 

[ralarcon]

Found out last week BCBS of Texas is cancelling ALL ppo network plans for individuals and slamming us with an HMO.

They even picked our doctor for us already with no input from us. ....

We're losing our doctor of twenty years.

No, you are not losing your Dr., he/she will stay in practice. You can pay him cash, or you can change insurance. You have choices to make. That is what life is about.

Cheers

 

[JOhnH]

I blame this on our sitting RINO's and the DEMS.

ACA was just a blind blanket tax when you get down to brass tacks.

Which "RINO" voted for the ACA? I will send them a nasty-gram forthwith.

 

[SkyDog58]

No, you are not losing your Dr., he/she will stay in practice. You can pay him cash, or you can change insurance. You have choices to make. That is what life is about.

Cheers

I think everyone realizes that. It is just when unwanted changes are forced by government idiocy that some people get a little perturbed.

 

[Fearless Tower]

HMO (health maintenance organization) you must have one preferred provider. Your primary care physician. You must go to him for all you health needs before going to anyone else.

Take impaling a nail in your foot for instance. You cannot go to a podiatrist without going to your pcp first and getting a referrel. How this saves money according to the providers I've never figured out.

And up until now, the ppo network had many more doctors to choose from. I suspect those numbers will be changing. The last reason is our doctor does not accept any HMO's so we're screwed.

Exactly. Everything MUST go through PCP first and then be referred out and you are forced to go to the PCP knowing they won't be able to help you only to be told what you already know and THEN you get referred out and start the waiting process all over.

I see both sides of this. As active duty, I am required to be enrolled in Tricare Prime (HMO). Family members have a choice: deal with Prime for free or pay a copay and minor deductible to opt for Tricare Standard which acts as a PPO. My wife has gotten far better and quicker service from Standard while I get the complete runaround every time I need to utilize medical.

 

[JoseCuervo]

I think everyone realizes that. It is just when unwanted changes are forced by government idiocy that some people get a little perturbed.

but, the one poster above showed that he was the type of person who needs an insurance plan with a "gate keeper" who directs him to the specialists he needs. He was headed to a Podiatrist after stepping on a nail.

There is nothing wrong with a gatekeeper in medicine, and, hell, on the back end, we should likely have Sarah Palin's Death Panels if we really cared about lowering health care costs.

As a country, we have to decide what we want from health care, as we spend a bunch, get poor results, and have people whining all the time.

 

[weilke]

Since turnabout is fair play, I'll pose your question back to you. How are the underwriters supposed to know with exact precision what the loss experience will be until they establish the book and the loss ratio? Actuaries set the rates based on their best estimates, state insurance commissioners approve them.

Nobody starts a business without a line of credit.

Most of those plans should have never been approved by the state regulators in the first place. The actuarial guesses were wildly optimistic and the startup funding was insufficient.

 

[Maxmosbey]

A couple of our local doctors went concierge this year, charging patients $3000/year for "unlimited office visits".

That seems a little pricey. I mean, does that include specialists, hospital stays, prescriptions, emergency room visits, ambulance rides, and labs? That kind of thing always sounds good, until you start visiting the oncologist. I see my "doctor" twice a year, if that, and I doubt it would come out to four hundred dollars a year for just going to the office and having him take a look at something. It is all that other stuff that is costing so much.

 

[weilke]

That seems a little pricey. I mean, does that include specialists, hospital stays, prescriptions, emergency room visits, ambulance rides, and labs? That kind of thing always sounds good, until you start visiting the oncologist. I see my "doctor" twice a year, if that, and I doubt it would come out to four hundred dollars a year for just going to the office and having him take a look at something. It is all that other stuff that is costing so much.

Whathings cost doesnt matter to the concierge practice. The only thing that matters is whether you can find 150 worried well to cut you a check. This not capitation. If a concierge patient needs labwork or imaging, they still get billed by those providers.

 

[EdFred]

I am not going to blame O-care as it simply made a bad situation worse. Medical costs are out of control in this country for a sub standard product. And before somebody criticizes my statement, facts are we are #1 as % of GDP by about 50% and rank 27th in total outcomes and health care. Those are facts which if somebody wants to argue I will repost again. I am on the right wing of the political spectrum if that helps.

GDP is objective, the other ranking is subjective. IOW, different groups could come up with different answers, and the East German judge always rates the US low.

 

[UngaWunga]

Ah, the free market can be a *****, can't it. I'm sure texas is doing this just to **** off their residents who need healthcare so they'll blame Obama for more stuff.

 

[JoseCuervo]

GDP is objective, the other ranking is subjective. IOW, different groups could come up with different answers, and the East German judge always rates the US low.

Life expectancy, infant mortality, etc can be facts.

No need to spread unfounded confusion and fear.

Never seen a study that made it look like the US is getting its money's worth.


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[ChrisK]

That seems a little pricey. I mean, does that include specialists, hospital stays, prescriptions, emergency room visits, ambulance rides, and labs? That kind of thing always sounds good, until you start visiting the oncologist. I see my "doctor" twice a year, if that, and I doubt it would come out to four hundred dollars a year for just going to the office and having him take a look at something. It is all that other stuff that is costing so much.

Nope. Just the doc.

 

[Maxmosbey]

I just went on Medicare in June. I got a nice supplement policy to go with it, and I'm on a prescription plan that does not charge me a co-pay if I buy my drugs on-line through them. So that is nice, and the total cost is about a third of what was my share of the old plan that my wife and I were on. But then I think the old plan figured out that I wasn't paying them anymore, so they have been premium jacking my wife's policy trying to recoup the difference I guess.

 

[txflyer]

but, the one poster above showed that he was the type of person who needs an insurance plan with a "gate keeper" who directs him to the specialists he needs. He was headed to a Podiatrist after stepping on a nail.

There is nothing wrong with a gatekeeper in medicine, and, hell, on the back end, we should likely have Sarah Palin's Death Panels if we really cared about lowering health care costs.

As a country, we have to decide what we want from health care, as we spend a bunch, get poor results, and have people whining all the time.

You take a rather bad analogy I made and not only don't get the point but turn it around that I'm too thick to know when I need a specialist. That's rich.

I can only surmise from your handle and the fact you champion the progressive's in every thread on here that you get your benefits free or have your jaws locked onto the government's tit in some form or fashion.

 

[96gs917]

but, the one poster above showed that he was the type of person who needs an insurance plan with a "gate keeper" who directs him to the specialists he needs. He was headed to a Podiatrist after stepping on a nail.

There is nothing wrong with a gatekeeper in medicine, and, hell, on the back end, we should likely have Sarah Palin's Death Panels if we really cared about lowering health care costs.

As a country, we have to decide what we want from health care, as we spend a bunch, get poor results, and have people whining all the time.

Obamacare has an IPAB (independent payment advisory board)..ie: Death panel... designed to determine who would and wouldn't receive life saving care. Sarah Palin has nothing to do with IPAB, and never suggested the "death panels" use. This is strictly a liberal progressive idea designed to weed out the old and sick (except them) to save money. You may not recall (most liberals choose to re-write history) but not one Rep voted for this disaster.

But hay "what difference at this point does it make"

 

[JoseCuervo]

Obamacare has an IPAB (independent payment advisory board)..ie: Death panel... designed to determine who would and wouldn't receive life saving care. Sarah Palin has nothing to do with IPAB, and never suggested the "death panels" use. This is strictly a liberal progressive idea designed to weed out the old and sick (except them) to save money. You may not recall (most liberals choose to re-write history) but not one Rep voted for this disaster.

But hay "what difference at this point does it make"

Can we afford not "weed out the old and sick" via Sarah Palin's Death Panels?


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[nddons]

Ah, the free market can be a *****, can't it. I'm sure texas is doing this just to **** off their residents who need healthcare so they'll blame Obama for more stuff.

Free market? With government-imposed coverages? Oh, that's rich.

 

[JoseCuervo]

Free market? With government-imposed coverages? Oh, that's rich.

Like free market cars?

Or free market vegetables?

Or free market gasoline?

Or is insurance special from everything else we buy each day?


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[denverpilot]

Or free market vegetables?

Those actually exist. Kinda hard to find in the big city, I suppose.

 

[dell30rb]

I work in the oncology industry. Medicare/CMS is a complicated bureaucratic nightmare that makes healthcare more expensive for everyone. My job lately is dealing with congress, lobbyists and lawyers because CMS can't follow their own rules and basic common sense.

A typo on a claim of 6000 that should have been 600 units for a new cancer treatment (claim was automatically denied) drops the price of a new cancer treatment from $75/unit to $17/unit in 2016 and basically makes it unavailable to anyone w medicare...

 

[N801BH]

I work in the oncology industry. Medicare/CMS is a complicated bureaucratic nightmare that makes healthcare more expensive for everyone. I really can't get into any specifics but my job lately is dealing with congress, lobbyists and lawyers because CMS can't follow their own rules.

I am shocked to hear this..............

 

[weilke]

I work in the oncology industry. Medicare/CMS is a complicated bureaucratic nightmare that makes healthcare more expensive for everyone. I really can't get into any specifics but my job lately is dealing with congress, lobbyists and lawyers because CMS can't follow their own rules.

Who would have thought that taxing the things the providers use and implant would increase the cost overall ?

 

[dell30rb]

Who would have thought that taxing the things the providers use and implant would increase the cost overall ?

I won't even get into the new implant tax or the ACA...

 

[Fearless Tower]

I won't even get into the new implant tax or the ACA...

What? There's a tax on implants??? Is nothing sacred?

 

[JoseCuervo]

Those actually exist. Kinda hard to find in the big city, I suppose.

With GMO?

 

[dell30rb]

What? There's a tax on implants??? Is nothing sacred?

Yes, the ta-tas on the hooters girls are now subject to an excise tax as part of the ACA in 2010.

 

[denverpilot]

Yes, the ta-tas on the hooters girls are now subject to an excise tax as part of the ACA in 2010.

Guess they misunderstood when the constituency said to tax Silicon Valley.

 

[denverpilot]

With GMO?

I doubt where I'm buying them from allows them, but what are you asking?

 

[JoseCuervo]

I doubt where I'm buying them from allows them, but what are you asking?

Just wondering if nddons understood what a free market was or not. And why he thought health insurance would be different than the other items he buys every day.

 

[JimNtexas]

I take a back seat to nobody when it comes to right wing wackery, but I do think that we in the U.S. needed a way for people with pre-existing conditions to get insurance. The ACA does that, which is a good thing.

Sadly, it was written by incompetents in a rush before Scott Brown showed up.

New Gingrich once proposed something similar to ACA, but it had a savings component. Every year some money went into a savings account. Once your had enough to cover the out of pocket costs of your plan you got to keep the interest from this savings account, when you went on social security you got the whole account.

I think a way to encourage young people to sign up by holding out a pot of money for them in the out years would be a good idea.

 

[weilke]

I think a way to encourage young people to sign up by holding out a pot of money for them in the out years would be a good idea.

'young people' 'pot of money in the out years' If it doesn't come with a I-phone 10 deliverable tomorrow, it is of no interest to most of them. Look at how few participate in their companies 401k, even if it comes with a employer match.

Young people were not the problem in the insurance market. Insurance covering actual health risks (and not elective items like maternity care) was readily available for an affordable price. Young people didn't buy that insurance because they didn't want to, not because it was unaffordable. 50+ year olds who had to buy individual coverage and may already have some pre-existing conditions were the ones priced out of the individual market.

 

[Bob Noel]

Like free market cars?

Or free market vegetables?

Or free market gasoline?

Or is insurance special from everything else we buy each day?

Gee, is there any difference between those four items... hmmmm, I vaguely remember something being different.

Oh wait, yep, the Government has decided that everyone must buy health insurance.

 

[weilke]

Gee, is there any difference between those four items... hmmmm, I vaguely remember something being different.

Oh wait, yep, the Government has decided that everyone must buy health insurance.

Yup. Same thing. You want to buy apples, you also have to buy grapes. Government says so.

 

[Bob Noel]

I take a back seat to nobody when it comes to right wing wackery, but I do think that we in the U.S. needed a way for people with pre-existing conditions to get insurance. The ACA does that, which is a good thing.

<sigh> Do people not understand what insurance is?

Would you expect to get fire insurance for your house after the house burned downed?

Would you expect to get car insurance for your car after is was stolen?

 

[weilke]

<sigh> Do people not understand what insurance is?

Would you expect to get fire insurance for your house after the house burned downed?

Would you expect to get car insurance for your car after is was stolen?

Also, do you expect your car insurance to pay for tires and your home insurance to replace the roof tiles after 20 years ?

 

[1600vw]

Our health care should not be for profit. Plain and simple.

 

[FastEddieB]

Our health care should not be for profit. Palin and simple.

Taken to its logical extreme...

...then why would anyone choose to be a doctor?