Health Care changes

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Messages 41 - 60 of total 1119 in this topic << First  |  < Previous  |  Show All  |  Next >  |  Last >>
SCseagoat

Trad climber
Santa Cruz
Oct 23, 2013 - 09:33pm PT
mandatory insurance"

Do you drive a car?

Susan
rick sumner

Trad climber
reno, nevada/ wasilla alaska
Oct 23, 2013 - 09:54pm PT
Our United healthcare/Golden Rule high deductible plan of 20 plus years was cancelled ( they pulled out of Alaska altogether) due to changes of ACA, according to their letter in June of 2012. We signed up with Premera/ Blue Cross with an even higher deductible ( 10,000 from 7500) than Golden Rule and anything they judged to be "preconditions" not fully covered for a year from the policy date, price slightly less. A week ago we received a letter from Premera/Blue Cross indicating our premium will rise approximately 50% as of 1-1-2014. This is typical of the self employed in the individual market in AK.
TGT

Social climber
So Cal
Oct 23, 2013 - 10:00pm PT
No!

You always talk to long.

It happens when they finally get thru and discover what the premiums and deductibles are.

TGT

Social climber
So Cal
Oct 23, 2013 - 10:33pm PT
the gov't pays you

Just what you want isn't it.
rottingjohnny

Sport climber
mammoth lakes ca
Oct 23, 2013 - 11:11pm PT
I hope they have mandatory prostate checks...
TGT

Social climber
So Cal
Oct 23, 2013 - 11:21pm PT


Cept it's gonna be her!

Snowmassguy

Trad climber
Calirado
Oct 24, 2013 - 12:18am PT
^^^^is that.......SATAN ( Church lady voice)

Well I have managed to avoid putting the family on Obummercare. I did get the great fortune of re signing with my current provider( originally they said they were effectively canceling the policy) for about $300 more per month, increased deductible, smaller network of DR's, increased co pays and increased % of what I owe after deductible has been fulfilled. They did throw in some worthless dental insurance for my kids though ???

Overall, less bene's, greater expense but woowhoo, I still have insurance for my family. What a Frickin mess.

Yep, this is great.

Guangzhou

Trad climber
Asia, Indonesia, East Java
Oct 24, 2013 - 02:22am PT
You can let your European friends know that they don't have to give up European citizenship when they become Americans.

I personally love America. I know Healthcare suck in what I consider to be the greatest country. Because of Healthcare, when my wife and I talk about our retirement, we look towards France more than America.

Southern France or Lake Tahoe are top of my list. Sierras would win, but healthcare could force me to climb in Verdon instead.
I do remember reading somewhere that because they are paid, Europeans get medical check-ups more often. Article supported that this saved medical expenses. Makes sense to me. Just wonder why more insurance companies don't require and pay annual checks.


Eman
A dual citizen

ruppell

climber
Oct 24, 2013 - 09:44am PT
The cost of insurance for my wife and I just DOUBLED. Congrats Obama you just made me a Republican.
Degaine

climber
Oct 27, 2013 - 06:07am PT
Guangzhou wrote:
I do remember reading somewhere that because they are paid, Europeans get medical check-ups more often. Article supported that this saved medical expenses. Makes sense to me. Just wonder why more insurance companies don't require and pay annual checks.

FYI Ė there is no single European healthcare system, each country has its own system. The French, for example, do not get paid to get regular checkups. France has the number 1 healthcare system on the planet (all criteria combined).

Also, %GDP is not nearly as good an indicator as per capita healthcare spending. The US spends twice as much per capita as France and Germany - US = $8,000 per capita, compared to FR/GER = $4,000 per capita (rounded off figures for simplicity) Ė and yet the US does not cover its entire population and has worse outcomes in most categories.

As you write, regular checkups are part of the equation. These allow catching something in its early stages to avoid an ER visit or hospitalization, whereas in the USA, the uninsured often wait until they need urgent care before heading to the ER to see a doctor.

However, a visit to the GP in France costs 23 Ä (about $30) where as a visit to your GP in the US costs between $110-$130 at least. Depending on the insurance Iíve had over the years (changes with jobs), Iíve had $30 co-pays.

An ultrasound in France costs 75 Ä, the average bill in the USA is $450. Do you see where Iím going with this?

Add to that the propensity in the USA to use high cost imaging modalities such as MRI or CT when only 3 out of 10 patients actually need it, well, yet another piece of the explanation puzzle as to why healthcare costs so much more in the USA. But thatís not all, since Japan uses a lot of this type of imaging and yet spends only 1/3 of what the USA spends per capita on healthcare.

Take into consideration the points the TIME article made a while ago, and youíll understand that there often is no rhyme or reason for the cost of a given procedure. The corporation providers and insurances are bilking the American public and will continue to do so as long as mumís the word.
Degaine

climber
Oct 27, 2013 - 06:10am PT
ruppell wrote:
The cost of insurance for my wife and I just DOUBLED. Congrats Obama you just made me a Republican.

Has nothing to do with the ACA. But keeping thinking that, and please, vote Republican, it's your right.

But please do me a favor and promise not to come back and whine like you just did in the above post when you can't get insurance because of a pre-existing condition, and end up going bankrupt paying for care.
pyro

Big Wall climber
Calabasas
Oct 27, 2013 - 11:37am PT
The cost of insurance for my wife and I just DOUBLED. Congrats Obama you just made me a Republican.

LOl!
Cragman

Trad climber
June Lake, California....via the Damascus Road
Oct 27, 2013 - 11:51am PT
All you Obama supporters are about to face the results you voted for...and I could not be happier.


http://www.ijreview.com/2013/10/90167-watch-five-big-lies-obamacare/
TGT

Social climber
So Cal
Oct 27, 2013 - 12:18pm PT
couchmaster

climber
pdx
Topic Author's Reply - Oct 27, 2013 - 03:09pm PT
So many folks complaining about the new rules and regs.....it's hard to relate. Here's one version, titled:
"Yay! We Get a Six-Week Extension on Paying Our Obamacare Fines!"

Read the full meal deal here:
http://www.activistpost.com/2013/10/yay-we-get-six-week-extension-on-paying.html


apogee

climber
Technically expert, safe belayer, can lead if easy
Oct 27, 2013 - 05:05pm PT
Fret not...Single Payer is on it's way!

(Where we should have been in the first place)
Karl Baba

Trad climber
Yosemite, Ca
Oct 27, 2013 - 09:33pm PT
I'm confused how people are reporting greatly increased rates (even though that seems to happen all the time, even before Obamacare, when one provision of the law limits Insurance Industry profits

From

http://thehealthcareblog.com/blog/2012/02/04/does-obamacare-limit-profits-for-health-insurance-companies-in-your-state/

"The ACA requires health insurers in the individual and small group market to spend 80 percent of their premiums (after subtracting taxes and regulatory fees) on medical costs."

Norton

Social climber
the Wastelands
Oct 27, 2013 - 09:43pm PT
I'm confused how people are reporting greatly increased rates (even though that seems to happen all the time, even before Obamacare, when one provision of the law limits Insurance Industry profits

no reason for confusion, Karl

They are lying, flat our lying

extremely they even got a username and password established to even get through, apply,
and have heard back with a definitive quote yet

I can state with verifiable accuracy that my own person monthly payment went down $40 a month
and incredibly my annual deducatible was cut in half from $2500 to $1250, all directly because
as Karl pointed out, the ACA required that at least 80% of premium dollars be spent, gasp, on
healthcare or refunded, which was what happened in my case.

By the way, what IS the republican healthcare plan to insure 30 million more anyway?
TGT

Social climber
So Cal
Oct 27, 2013 - 10:06pm PT
Thge increased costs of the Unaffordable Healthcare Tax are easy to understand when;

A 55 year old woman has to pay for maternity coverage

A 20 year old man has to pay for prostate exams

A healthy young person can't get limited catastrophic coverage INSURANCE!


\

Half a million Californians are loosing their coverage.

http://www.nationalreview.com/corner/362263/500000-californians-lose-health-policies-wesley-j-smith


stevep

Boulder climber
Salt Lake, UT
Oct 27, 2013 - 10:55pm PT
Thge increased costs of the Unaffordable Healthcare Tax are easy to understand when;

A 55 year old woman has to pay for maternity coverage

A 20 year old man has to pay for prostate exams
TGT

Those are part of the mandatory package of preventative care that plans are required to offer. No one is going to make the 22 year old get a prostate exam. Or the 55 year old women get preggers and go to an OB.
But the marginal cost of having everyone pay for prevention is pretty small.
The cost of not doing preventative care and covering prostate cancer or a bad pregnancy, or any number of otehr things is very high.
Would you really rather we didn't try to prevent this stuff?
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