Health Care changes


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Social climber
Some Rehab in Bolivia
Nov 1, 2013 - 05:34pm PT

photo not found
Missing photo ID#328551


Trad climber
Nov 1, 2013 - 06:29pm PT
Obama and the she bitch have trust upon us a health care plane they NEVER READ. And they are opted out of.

Drink the kool aid.

Trad climber
Nov 1, 2013 - 06:39pm PT
Face the music. Our gover goobooer's don't care about the future of the population they are supposed the represent. Doesn't matter whether they are dems or pubs, they just want to fleece us like sutpid lambs.

Werner is right.....

Social climber
So Cal
Nov 1, 2013 - 06:41pm PT
Ezekiel Emanuel (Rahm's Bro) is he philosophical author of the Unaffordable Healthcare Act and reflects "progressive" thinking all the way back to the eugenicists of the turn of the last century.

His theory;

the Complete lives system.

Anyone not of "instrumental Value" particularly those under 14 or over 40 are dead weight and not socially productive and economic priorities should outweigh all others.

Are those that pursue potentially injurious and completely non productive pursuits like climbing or base jumping also candidates for the euthanasia needle, or the amputators saw?

Welcome to the Brave New World!

Riley Wyna

Trad climber
A crack near you
Nov 1, 2013 - 06:49pm PT
. Funny how other sector of the economy that is not coddled and subsidized by Government works very efficiently, even though it is all "for profit". Without Government subsidies, cronyism, regulations that keep us from buying cheaper drugs and services (like Medicare Part D), Healthcare would be a much more efficient market, in which profit seeking executives would have to lower prices in competition. If you want to see how it would look, simply look at the services that aren't covered by insurance or subsidies, such as Lasik. The technology gets better every year, and the price comes down. THAT is a "for-profit" system in a nutshell.

You really have no idea what you are taking about.
You have no idea how much regulation is involved and how much the government is fighting corruption and how much the government is involved in payments for your supposed free markets.

Although I will admit the world must seem a lot easier to deal with when looking at it with your simple free market ideology. But if you care to join the real world you can read a little about Allen Greenspan's recent epiphanies.

The darker side of health care - my last pt today. Rushed into the OR by the oncology surgeon.
H&H 5 and 15
Diagnosed with cervical cancer in August but unable to receive treatment because of Medicaid not being approved yet. Hard working people but with out the education and opportunity and may have provided health care.
33 years old and bleeding out, I talked with her husband for 20 minutes to calm his horrifying anxiety.
The surgeon packed her vagina to stop the bleeding.
I woke her up , extubated her, gave her 4 units of blood, 3 units of FFP, and 10 units of platelets amongst 20 other medications needed to stabilize her and treat complications.

Just one pt of many who has been greatly affected by her lack of ability to afford insurance and by our system to provide her with reasonable and timely care.

Just one of millions of stories .

No easy solutions made all the more difficult by an ideologically incompetent political party who fights intelligent solutions every step of the way.

Idiot tea baggers

lawrence kansas
Nov 1, 2013 - 06:52pm PT
can we call all canadians "frost dicks" from here on out? awesome.

Trad climber
Nov 1, 2013 - 07:00pm PT
can we call all canadians "frost dicks" from here on out? awesome.

Yeah, they are the one's laughing. This is serious shee.

Social climber
So Cal
Nov 1, 2013 - 07:05pm PT
May I ask this question? Why is it that Americans don't have the freedom to choose their own health insurance? I just don't get it. Why must the liberal nanny state make decisions for us? We can make them ourselves, thank you very much. It's like choosing a car, buying a home or investing in a stock. We can handle it.


No, this is federal coercion at its worst. And that's why the public is turning against it. It's not freedom.

Of course, there are other structural problems to Obamacare that are both unfair and unaffordable. Mainly, younger healthy people are not going to subsidize older sicker folks. We should take care of the latter with transparent government subsidies, and not by trying to redistribute resources (again) from the young to the old.

Or then there's the Medicaid entitlement. It's already out of control and close to bankruptcy. But in the early days of Obamacare, Medicaid sign-ups are exploding, all while sign-ups for private plans on the new exchanges are minuscule.

Between the president's broken promises, the millions of policy cancellations, the continued website breakdowns and the unaffordable, unfair con game between the healthy young and the sicker old, this Obamacare monster is well on its way to collapsing of its own weight.

But here's the bigger point: All this is the inevitable result of massive central-planning exercises to control the economy. That's not freedom.

Trad climber
Nov 1, 2013 - 07:10pm PT
"If you like your plan you can keep it"

BS. I lost my plan and will pay much more in the future for less coverage. Obama flat out lied.

Gold Canyon, AZ
Nov 1, 2013 - 07:26pm PT
"If you like your plan you can keep it"

BS. I lost my plan and will pay much more in the future for less coverage. Obama flat out lied.

Oh please...


Trad climber
Western America
Nov 1, 2013 - 07:34pm PT
The truth shall set you free

Obama: Always The Last One To Know

White House Press Secretary Jay Carney Confirmed Secretary Sebelius’ Claims That The Administration “Did Not Know” The Significance Of The Glitches Until After The Rollout Began

Dr. F.

Trad climber
Nov 1, 2013 - 07:37pm PT
Dr. F.

Trad climber
Nov 1, 2013 - 07:54pm PT
What’s Really Obstructing Obamacare? GOP Resisters
by Michael Tomasky Nov 2, 2013 5:45 AM

Republicans at all levels of government have put up roadblocks to undermine the Affordable Care Act rollout. It’s an orchestrated resistance with only one very ugly precedent.

Mountain climber
Nov 1, 2013 - 07:58pm PT
Never read Dr Fool posts. Never need to yawn.
Larry Nelson

Social climber
Nov 1, 2013 - 08:58pm PT
Curt wrote:
The design for the ACA was one of conservative, Republican origin.

So I read Krugman's column and went to the site he linked. I guess I don't understand why not even one of even the most moderate republicans voted for ACA. What were the republican demands that were rejected by democrats?

This reminds me of the "fix" for Social Security.
Back in the 80's, Daniel Patrick Moynihan proposed partial privatization of SS to keep it solvent. The republicans rejected it because it was a democrat idea.
After the 2000 election, George W Bush proposed partial privatization of SS to keep it solvent. The democrats rejected it because it was a republican idea.

My instincts tell me that both parties suck.
As the great philosopher Rodney King once said: "Can't we all just get along?"

Trad climber
Nov 1, 2013 - 09:03pm PT
Oh please...

It is true. Suck Obama's dick as much as you want.

Nov 1, 2013 - 09:19pm PT

"After the 2000 election, George W Bush proposed partial privatization of SS to keep it solvent. The democrats rejected it because it was a republican idea."

Hahahaha, no. You obviously don't follow politics too much. It was (and continues to be) rejected because it's political suicide - Bush was just too dumb to realize it.

Nov 1, 2013 - 09:21pm PT

"I guess I don't understand why not even one of even the most moderate republicans voted for ACA. What were the republican demands that were rejected by democrats?"

That it not become law.

Nov 1, 2013 - 09:28pm PT
Wow this is a great article, thanks for linking to this:

That Florida woman's canceled Blue Cross policy? It's junk insurance.

Did you recently get a notice saying that your insurance company is canceling your policy because it doesn't meet the new health law's higher standards? Thousands of people are, and many are angry about it. But before you rush to judgement, it might not be as bad as it seems.

Conisder the case of Diane Barrette, a 56-year-old woman from Winter Haven, Fla. Her story was featured in this CBS News report and endlessly echoed on the Internet. She was upset because Blue Cross Blue Shield of Florida was canceling her $54-a-month “GoBlue plan 91” and offering to replace it with a $591-a-month “Blue Options Essential plan.”

Sounds terrible—except that Barrette’s expiring policy is a textbook example of a junk plan that isn’t real health insurance at all. If she had ever tried to use it for anything more than an occasional doctor visit or inexpensive prescription, she would have ended up with tens or hundreds of thousands of dollars of medical debt.

Here are some of the gory details. (You can see the rest for yourself on this complete plan summary from the insurance company.)

The plan pays only the first $50 of doctor visits, leaving Ms. Barrette to pay the rest. Specialist visits can cost several hundred dollars.

Only the first $15 of a prescription is covered. Some prescriptions can cost hundreds or even thousands of dollars a month

The plan only pays for hospitalization for "complications of pregnancy," which are unlikely given Ms. Barrette's age and in any event only the first $50 is covered.

It pays $50 for a mammogram that can cost several hundred dollars, and only pays $50 apiece for advanced imaging tests such as MRIs and CT scans and then only when used for osteoporosis screening.

"She's paying $650 a year to be uninsured," Karen Pollitz, an insurance expert at the nonprofit Kaiser Family Foundation, said. "I have to assume that she never really had to make much of a claim under this policy. She would have lost the house she's sitting in if something serious had happened. I don't know if she knows that."

In fact, had Blue Cross Blue Shield allowed her to keep the plan, she would have been fined for going uninsured in 2014. Limited plans such as these are considered "excepted benefits" that don't fulfill the new obligation to have health coverage.

Okay, but can't we be outraged that Ms. Barrette will have to fork over $591 a month for a replacement plan? Actually, no, because she has other and better options than the costly plan Blue Cross Blue Shield wants to put her in. She can get real insurance that covers all essential health benefits for well under $200 a month.

She has said her income is about $30,000 a year. It would be nice to look up her choices on, which is running the marketplace in Florida. But you can't do that without actually applying for coverage.

So, using tools available through (I'll walk you through this useful resource tomorrow), I determined that she qualifies for a premium subsidy of $320 a month. She can use that to purchase a Humana Direct Silver 4600/6300 plan for $165 a month.

Like all plans sold in the state Health Insurance Marketplaces, it covers essential health benefits such as doctor visits, inpatient and outpatient treatments, diagnostic and screening tests, maternity care, mental health care, prescription drugs, home health care, and rehabilitation services.

It's not the most generous plan in the world. The deductible is $4,600 and the only things the plan pays for outside the deductible are preventive services, the first $500 of diagnostic lab tests and x-rays in the year, and "diagnostic" office visits, meaning going to the doctor because you're feeling awful and need to know what's wrong. Visits for treatment are subject to the deductible. There's a separate $1,500 deductible for prescription drugs, after which there's a copay of $10 for generics and $50 for brand-name drugs. Once you've run up $6,300 in out-of-pocket expenses, the plan picks up 100 percent of your costs for the rest of the year.

To put these two plans in perspective, let's imagine that Ms. Barrette's luck runs out and she receives a diagnosis of breast cancer that will cost $120,000 to treat.

Under her current junk plan, she would probably receive no more than a few hundred dollars of benefits for doctor visits and drugs. It wouldn't cover her surgery, her chemotherapy, her many expensive medications, or the repeated diagnostic tests she'd likely require. She would end up with probably $119,000 of unpaid medical bills.

With the Humana plan, those bills top out at $6,300 a year, no matter what.

Hahahaha, here's the basic reality people need to deal with: JUNK HEALTH INSURANCE is either being upgraded to meet current standards, or is being cancelled.

The old health insurance model was based on keeping the people who really needed insurance from having it, or canceling the policies they had when they did need it. No More.

Focus that outrage on the extortionate cost of health care in this country - not on how much the insurance for it ACTUALLY COSTS in a market that includes the people who ACTUALLY NEED IT AND ARE ACTUALLY GOING TO USE IT.

Riley Wyna

Trad climber
A crack near you
Nov 1, 2013 - 10:01pm PT
Good article..

But it doesn't sound that good really.

Under even the cheapest plan that is going to be a huge amount of money for basic services
Preventive care and the rest .
And there are a whole bunch of charges and scenarios that are not discussed there .
For example second party billing say, for radiology readings.

So 30, 000 a year
 taxes ?
7000 maybe ?? Guessing

 200 a month


Then she has a kidney stone
One ER visit with a CT scan
6300 bucks

She now has about 14000 bucks to play with for everything for rest of the year.
One small doctor issue took close to 1/3 and 1/4 of her gross pay and and over 1/3 of her net

That plan a come close to bankrupting her with just one visit

Now she can't pay her 200 bucks a month and has the IRS on her ass.

And that's just a single person plan..

Let's look at a family plan?
Do they have these deductibles for every child and what's the monthy family bill?

500 or more
And then little johney breaks his arm, little Jenny needs ear tubes and dad has a bad bout of diverticulosis requiring an ER visit and a night in the hospital?
A pretty casual year for a family ..
What's the out of pocket on this senario?

500 times 12

Plus three deductibles of 6000?


Then mom gets pregnant and has a baby ..

30, 000 real fast ... Cash money ..

With options like that ya better stay healthy, go to Mexico, or be able to move to Canada.

Huge deductibles on 200 dollar a month plans are a joke.
It's a hidden cost that will f*#k you

May as well divide it out into the monthy premiums.

So you get 8800 or so divided by 12 for the old lady

That's 725 dollars a month !!!
Unless she is 1 in 100 heathy
That's what her actual premiums will be.

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