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  1. #1
    Join Date
    Nov 2010
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    Up North
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    5,958

    2010.03.23 - Obamacare

    http://www.websleuths.com/forums/sho...5#post13340745



    http://www.websleuths.com/forums/sho...6#post13341336

    http://www.websleuths.com/forums/sho...3#post13341443

    Obamacare is such a convoluted topic, it deserves its own thread, IMO.

    What do YOU think about Obamacare?

    Discuss here.

  2. #2
    Join Date
    Jan 2016
    Posts
    284
    I'm one of the unfortunate so-and-so's who works for herself and pays through the nose for an individual health plan. It's not a subsidized plan, because I don't qualify for a subsidy. So it's just your basic crappy plan that costs me a fortune. For 2017, they decided I could no longer use the through-the-mail pharmacy (much cheaper). They also took away my co-pays, so now it's a real crapshoot trying to figure out what a doctor's visit might cost. Bottom line, I try to avoid going to the doctor. I think that's exactly what they were hoping for.

    All Ocare did, from my perspective, was make a bad situation worse. The health insurance companies were already putting the screws to me with their pre-existing conditions nonsense and sky high deductibles (and I'm a healthy person, good weight, good BP and bloodwork, etc. who takes care of myself but I do have a couple of health issues - thyroid, sinus problems, etc. - as most people do at my age). Ocare just gave the insurers an excuse to hammer me a little harder.

    Until we figure out what's going on with the cost of health CARE vs. health INSURANCE, we aren't "reforming" anything.

  3. #3
    Join Date
    Oct 2009
    Posts
    15,808
    Some people hate Obamacare. They want their affordable care act

  4. #4
    Join Date
    Jun 2016
    Posts
    2,170
    Quote Originally Posted by Imp View Post
    I'm one of the unfortunate so-and-so's who works for herself and pays through the nose for an individual health plan. It's not a subsidized plan, because I don't qualify for a subsidy. So it's just your basic crappy plan that costs me a fortune. For 2017, they decided I could no longer use the through-the-mail pharmacy (much cheaper). They also took away my co-pays, so now it's a real crapshoot trying to figure out what a doctor's visit might cost. Bottom line, I try to avoid going to the doctor. I think that's exactly what they were hoping for.

    All Ocare did, from my perspective, was make a bad situation worse. The health insurance companies were already putting the screws to me with their pre-existing conditions nonsense and sky high deductibles (and I'm a healthy person, good weight, good BP and bloodwork, etc. who takes care of myself but I do have a couple of health issues - thyroid, sinus problems, etc. - as most people do at my age). Ocare just gave the insurers an excuse to hammer me a little harder.

    Until we figure out what's going on with the cost of health CARE vs. health INSURANCE, we aren't "reforming" anything.
    Yes, Obama hooked up his insurance buddies. My monthly health insurance premium is now more than my house payment.

  5. #5
    Join Date
    Jul 2008
    Posts
    15,444
    Quote Originally Posted by Gardenista View Post
    Moronic poll. Who comes up with this BS?
    Socialist.
    It's my opinion if no link provided.


    Misspellings due to fat fingers

    Words matter.

    You don't know what you don't know.

  6. #6
    Join Date
    Oct 2008
    Posts
    4,266
    I worked for several years with a health care related advocacy group - breast cancer. We helped craft plan guidelines that would work to cover everyone, including cancer patients who are often left out of the system due to high costs, preexisting conditions, etc.

    Some of the earlier versions of the PPACA (Patient Protection & Affordable Care Act) were very good, would have provided good coverage with low out of pocket costs and would have made the insurance companies compete more and make the health care industry lower the costs of health care.

    The final product that came out was not what we wanted. Cost controls were not as good as they should have been, there wasn't enough incentive to make health insurance companies compete and out of pocket costs were much, much higher than they should have been. But we're stuck with defending it until something better comes along.

    No one plans to get cancer. In spite of all the risk factors advertised, most types of cancer can't be prevented. Most can't even be detected at an early stage. A cancer diagnosis throws your life in turmoil, often meaning the loss of a job or reduced work hours. At the time you most need health care coverage, you often find yourself unable to afford it.

    So, on behalf of cancer patients & survivors, please keep us in mind when considering health care reform. If ACA goes away, I can't afford a monthly premium of $1500 a month or more for insurance in a high risk pool. Even though I'm healthy and a long term survivor, I'll be stuck, as will many others.

    Thanks for your consideration. As information, our group supports Medicare for All and strong efforts to bring down the price of prescription drugs in the US.
    All statements are my opinion only.

  7. #7
    Join Date
    Jan 2008
    Posts
    9,572
    Quote Originally Posted by Betty P View Post
    I worked for several years with a health care related advocacy group - breast cancer. We helped craft plan guidelines that would work to cover everyone, including cancer patients who are often left out of the system due to high costs, preexisting conditions, etc.

    Some of the earlier versions of the PPACA (Patient Protection & Affordable Care Act) were very good, would have provided good coverage with low out of pocket costs and would have made the insurance companies compete more and make the health care industry lower the costs of health care.

    The final product that came out was not what we wanted. Cost controls were not as good as they should have been, there wasn't enough incentive to make health insurance companies compete and out of pocket costs were much, much higher than they should have been. But we're stuck with defending it until something better comes along.

    No one plans to get cancer. In spite of all the risk factors advertised, most types of cancer can't be prevented. Most can't even be detected at an early stage. A cancer diagnosis throws your life in turmoil, often meaning the loss of a job or reduced work hours. At the time you most need health care coverage, you often find yourself unable to afford it.

    So, on behalf of cancer patients & survivors, please keep us in mind when considering health care reform. If ACA goes away, I can't afford a monthly premium of $1500 a month or more for insurance in a high risk pool. Even though I'm healthy and a long term survivor, I'll be stuck, as will many others.

    Thanks for your consideration. As information, our group supports Medicare for All and strong efforts to bring down the price of prescription drugs in the US.
    My husband is also a cancer survivor. Fortunately, we had great insurance during his cancer fight. But I remember all the EOB's that showed what the costs of his treatments would have been with no insurance. It's quite easy to see how a medical catastrophe could completely destroy one financially in no time at all. The ACA may not be perfect, but it was a good starting point. Perhaps if the GOP would focus on making it better, rather than destroying it altogether, we might make some progress. It's not a pi$$ing match. The lives of actual humans are literally at stake.

  8. #8
    Join Date
    Oct 2008
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    4,266
    Quote Originally Posted by Fairy1 View Post
    My husband is also a cancer survivor. Fortunately, we had great insurance during his cancer fight. But I remember all the EOB's that showed what the costs of his treatments would have been with no insurance. It's quite easy to see how a medical catastrophe could completely destroy one financially in no time at all. The ACA may not be perfect, but it was a good starting point. Perhaps if the GOP would focus on making it better, rather than destroying it altogether, we might make some progress. It's not a pi$$ing match. The lives of actual humans are literally at stake.
    Let's hope they do, but as of now, their plan is to proceed with cutting out patients with pre-existing conditions. As you say, cancer is a very expensive disease to treat. Cancer patients are the last group any politician wants to talk about. When pols want to cut the cost of a health care plan, they're the first to get thrown overboard. Insurance companies don't want to cover them, nor do conservatives in government (both parties). Health care providers can't afford to do it on "charity care".

    In Europe and Canada, they manage pretty well with a single payer system.
    All statements are my opinion only.

  9. #9
    Join Date
    Nov 2004
    Location
    The Land of Oz
    Posts
    4,163
    My husband and I sold our company last summer so that left us without health insurance. My husband is now less than a year away from being able to be on Medicare so we are paying for his prescriptions and limping along until then. I am younger, though, so I tried to sign up for Ocare. I went through all of the rigamarole only to have them tell me "there are no plans available for you in your area". So, I pray every night that God keeps me healthy. I am depending on this administration to do something soon. I am sure there are many out there like me.

  10. #10
    Join Date
    Feb 2016
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    2,876


    All you need is love and. . . .(fill in the blank)


  11. #11
    Join Date
    Jun 2016
    Location
    Chicago, Illinois
    Posts
    440
    Thank God for Obamacare - I live in Illinois and it works great here. I had just gotten insured when I wound up severely ill with bleeding ulcers: I had had 4 stomach surgeries this past year, and still need one more. I spent a total of nearly 2 months in the hospital: I know my bill was in the millions. But frankly, if I didn't have insurance, I never would have gone to the ER, and would have died of blood loss (I lost nearly half my blood before making it to the ER) a day or two later and would not be here right now. That's serious - it's real.
    "Where were you when I laid the foundations of the Earth, when the morning stars sang together, and all the sons of God shouted for joy?" Job 38:4,7

  12. #12
    Join Date
    Feb 2016
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    2,876
    Quote Originally Posted by hec60504 View Post
    Thank God for Obamacare - I live in Illinois and it works great here. I had just gotten insured when I wound up severely ill with bleeding ulcers: I had had 4 stomach surgeries this past year, and still need one more. I spent a total of nearly 2 months in the hospital: I know my bill was in the millions. But frankly, if I didn't have insurance, I never would have gone to the ER, and would have died of blood loss (I lost nearly half my blood before making it to the ER) a day or two later and would not be here right now. That's serious - it's real.
    I'm glad you got the care you needed!
    All you need is love and. . . .(fill in the blank)

  13. #13
    Join Date
    Jun 2016
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    2,170
    Quote Originally Posted by hec60504 View Post
    Thank God for Obamacare - I live in Illinois and it works great here. I had just gotten insured when I wound up severely ill with bleeding ulcers: I had had 4 stomach surgeries this past year, and still need one more. I spent a total of nearly 2 months in the hospital: I know my bill was in the millions. But frankly, if I didn't have insurance, I never would have gone to the ER, and would have died of blood loss (I lost nearly half my blood before making it to the ER) a day or two later and would not be here right now. That's serious - it's real.
    If you had died, that would have been your fault for not going to the ER. If you would have gone to the ER, uninsured, they would have been required to treat you, so the result would have been the same as if you had Obamacare.

    My premium is more than my house payment so you could have the same the outcome. SMDH

  14. #14
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    Oct 2009
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    15,808
    Quote Originally Posted by Gardenista View Post
    If you had died, that would have been your fault for not going to the ER. If you would have gone to the ER, uninsured, they would have been required to treat you, so the result would have been the same as if you had Obamacare.

    My premium is more than my house payment so you could have the same the outcome. SMDH
    Yeah, dummy. Your fault if you died!

    Hm. Such compassion,

  15. #15
    Join Date
    Feb 2012
    Posts
    9
    Quote Originally Posted by Gardenista View Post
    If you had died, that would have been your fault for not going to the ER. If you would have gone to the ER, uninsured, they would have been required to treat you, so the result would have been the same as if you had Obamacare.

    My premium is more than my house payment so you could have the same the outcome. SMDH
    This is wrong, had she gone to the ER uninsured she would have been hammered with a ridiculous bill after their 'required treatment". You sound like someone on medicaid who thinks ER care is "free." Ocare is a life saver, because it gave people (mostly small business owners and self-employed) the ability to afford insurance coverage.

    I'm a small business owner. For years the small company I worked at couldn't get insurance because the owner had arthritis (pre-existing condition) and the premiums were $1500 plus a month. Now, thanks to Ocare we pay $600 a month, but we do have insurance. I'm expecting a baby this year so it was a godsend for us - even though it isn't cheap. Without Ocare the option is to go bankrupt trying to pay ridiculous hospital bills or quit your job and have medicaid pay for it all.

    Now you can see where the current admin wants to take this - removing the 'pre-existing cond' clause and ensure the people who need it the most can't get insurance. Insurance companies can charge big fees but only sell them to people that carry the least risk. Got a pre-existing condition? Sorry about your luck, I guess bankruptcy or umemployment/medicaid are your only options. The greed of the republican congress and their puppet masters in the insurance industry is disgusting.

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