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One man's ObamaCare nightmare[W:51]

Re: One man's ObamaCare nightmare

a somewhat relevant link i didn't feel the need to make a whole thread over. Ignore the "blew my mind" hype and just watch the video, its a pretty intense explanation of why we pay so much for healthcare. Supposedly its been fact checked and approved, if you care to look into it, but it makes a lot of sense, and shows how almost everyone who talks about health care costs is at least a little wrong, and most are at least a little right.

His First 4 Sentences Are Interesting. The 5th Blew My Mind. And Made Me A Little Sick.
 
Re: One man's ObamaCare nightmare

a somewhat relevant link i didn't feel the need to make a whole thread over. Ignore the "blew my mind" hype and just watch the video, its a pretty intense explanation of why we pay so much for healthcare. Supposedly its been fact checked and approved, if you care to look into it, but it makes a lot of sense, and shows how almost everyone who talks about health care costs is at least a little wrong, and most are at least a little right.

His First 4 Sentences Are Interesting. The 5th Blew My Mind. And Made Me A Little Sick.


Not able to watch it, could you summarize a little more? Btw, is this 'towski'? If it is, what's up dude, how ya been?
 
Re: One man's ObamaCare nightmare

Our health insurer will release the new plans for 2014 on October 3rd. Without disclosing specifics, they have warned us to brace ourselves for a significant hike in premiums. This is happening because high deductible plans (which we prefer) are now prohibited, and additional benefits (which we don't want or need) are required.

Thanks "Affordable Care Act."

"If you have employer coverage now, do not worry," said Lynn Quincy, a senior policy analyst at Consumers Union in Washington who specializes in health care issues. "If you're on Medicare now, please don't worry," she said.

And if you buy your own insurance? Prepare to be ****ed? That about right?
 
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Re: One man's ObamaCare nightmare

There seems to be confusion on the left in here about what 'an example' is....Further if you watched the report, you'd have picked up on the line in the report that basically said that the coverage is going up because of what the ACA mandates now must be covered over and above what they possibly didn't have to pick up before. I can see that.

The bottom line is that with all of the delay's, waivers, and pure incompetence put forth so far in this unworkable law, the whole thing should be delayed to allow time for real inclusion of both sides to work out the horrible parts of this law. Will they do that? Probably not...The demo's don't want the repubs to have any say in it, and the repubs don't want it to become yet another entitlement that can never be adjusted, or taken away.

Our, we can quite with the whining, and actually work to improve the law. And no, republicans who only want to repeal are not helping. Nor are tired old remedies that equate to doing nothing, as we have seen in the past.
 
Re: One man's ObamaCare nightmare

OMG one person who was buying bargain basement health insurance has their rates go up? Yes, and what happens when you get sick on bargain health insurance before obamacare? Oh yeah, they deny your claim and slap you into high risk and drop your coverage.

So the healthy customer insurance scam where they charge you until you claim and then refuse to cover you is over. now they actually have to provide some specific levels of care, and they cannot take money for the illusion that they will be there when you get ill because now they have to be there.

Dropping people from an insurance policy is tantamount to a breach of contract. That can be dealt with... withOUT banning high-deductible plans or forcing insurance companies to offer new benefits they previously did not.

300 dollars a month family insurance was a scam to begin with. The guy should be thrilled no one ever needed it.

A $300 a month plan has a higher deductible, but the total out-of-pocket maximum costs (premiums + deductible + coinsurance) are not very different between high-deductible and low-deductible plans, when you actually do the math.
 
Re: One man's ObamaCare nightmare

Our, we can quite with the whining, and actually work to improve the law.

Joe....Did you just not read the post? I don't think you did, because if you did read it, you'd have seen this part right there in black and white...

j-mac said:
...the whole thing should be delayed to allow time for real inclusion of both sides to work out the horrible parts of this law...

You may only want to find agreement with people that only see things your way, but brother, that is just not realistic, and never going to happen.
 
Re: One man's ObamaCare nightmare

Laughing my butt off at the liberals in this thread.

Who remembers who told this lie when the disaster called Obamacare was not being debated in Congress:
"You should know that once we have fully implemented, you’re going to be able to buy insurance through a pool so that you can get the same good rates as a group that if you’re an employee at a big company you can get right now — which means your premiums will go down.” Here's a hint. The man who told this lie is as far from a conservative as a person can get.

Well, we're just about at full implementation and report after report show prices going up. And that's for those lucky enough to still have insurance because of this disaster.

So you think it is new for health insurance prices to go up? They have doubled in the last 10 years.
 
Re: One man's ObamaCare nightmare

So you think it is new for health insurance prices to go up? They have doubled in the last 10 years.


Yep, and no one disagrees that something had to be done, but the 'what' is the rub.
 
Re: One man's ObamaCare nightmare

So you think it is new for health insurance prices to go up? They have doubled in the last 10 years.

And for the family in the OP -- tripling next year alone. What, do you think the OP story is just an outright fabrication?
 
Re: One man's ObamaCare nightmare

All right, Mr. "Very Conservative": How would you bring down health care costs? It appears the Republicans in Congress have one alternative to Obamacare, which is "do nothing." I'm asking you to suggest something. What's your idea?

BS. The Republicans in the House introduced a replacement you just don't like it because it doesn't take from hard working people and give to you the lazy who won't work for it.

Got a link?

Face it, "the lazy who won't work for it" are the CEOs, and "the hard-working people" aren't paid enough to afford health insurance. Once you admit this, you will have joined the real world.
 
Re: One man's ObamaCare nightmare

All right, Mr. "Very Conservative": How would you bring down health care costs? It appears the Republicans in Congress have one alternative to Obamacare, which is "do nothing." I'm asking you to suggest something. What's your idea?

Allow hospitals and insurance companies to shop for drugs outside of the US. Provide a matching healthcare savings plan that begins at birth and one that can be passed on without tax to family when you die. if you allow people to shop for their healthcare with their own money, costs will come down. Fix payouts to malpractice suits via tort reform...

"Insurance should only be provided for catastrophic care, NOT emergency care or none life threatening care...

"Phase the healthcare savings plan in, beginning now, and phase out governments direct involvement...

"Sorry NOT everyone deserves our charity. There really are a bunch of losers in our country...

"Alright Mr. Undisclosed. what say you? Tim"
Not good enough:

* "Tort reform" is wingnut speak for "You're not allowed to sue when your doctor screws up and your insurance company won't pay.

* Insurance should be provided for everything. You read me: Everything.

* "Government involvement" includes Social Security and Medicare which work wonderfully.

* You're right about one thing, but not in the way you think: Poor people deserve our charity. Says who? Says Jesus Christ. That long-haired Middle Eastern socialist who doled out free health care and told the government to render unto Caesar those things that are Caesar's -- in other words, quit being a baby and start paying your taxes. Some people are "losers" through no fault of their own. Not everybody fails, many are sabotaged.

What you propose would have been considered too conservative for America 20 years ago. Today, it is considered too liberal for the people who move the Republican Party. It remains unacceptable.
 
Re: One man's ObamaCare nightmare

Moderator's Warning:
Merging dupe threads.
 
Re: One man's ObamaCare nightmare

All right, Mr. "Very Conservative": How would you bring down health care costs? It appears the Republicans in Congress have one alternative to Obamacare, which is "do nothing." I'm asking you to suggest something. What's your idea?

There are lots of options. Overall, the only two ways to meaningfully control costs are to go full force toward a government takeover and expect government to suppress the costs actively, or abolish health insurance as it currently exists and let cash-only markets for health care pull prices down naturally.

Other more specific ideas:

1) Overturn EMTALA; provide expanded tort protection for emergency health care staff and departments (allow ER doctors to turn away non-emergencies); eliminate the practice of admitting uninsured patients to hospitals to cover providers' own asses and then spreading the costs to insured patients.
2) Prohibit coverage for preventive care, office visits, wellness checks, etc., except for specific procedures/diagnostic tests that have shown incontrovertible proof of being cost-saving. Open up more non-critical care to cash-only markets (no insurance coverage permitted).
3) Repeal Medicare D
4) Prohibit insurance coverage of addictive agents (opioids, amphetamines, benzodiazepines, sleep agents) outside of hospital settings.
5) Reform Medicare A-C
6) Abolish private health insurance or relegate it to coverage of out-of-work expenses and implement across-the-board governmentalized health insurance (not actually something I desire, but nonetheless would be a hell of a lot better than PPACA).
 
Re: One man's ObamaCare nightmare

LOL....the Repubs are shaking in their boots trying to keep the ACA from taking effect because they know that when it does, it is going to cover thousands of Americans who didn't have coverage before....and people are going to see that the GOP has been engaging in propoganda and scare tactics. This is just another nail in the GOP coffin in ever hoping to avoid becoming a regional political party.

It's not actually

'Family glitch' in health law could be painful

WASHINGTON — A "family glitch" in the 2010 health care law threatens to cost some families thousands of dollars in health insurance costs and leave up to 500,000 children without coverage, insurance and health care analysts say.

THe snake oil isn't selling. The Unions are BEGGING to be waived out of this nightmare. It's so awesome, the people who wrote the law aren't subject to it.

It's so hilarious to watch the cult members take one last swig of the Kool-Aid. Too bad we all have to suffer because of utopian delusions. Oh wait, Obama and his special cronies will be exempt! They won't.
 
Re: One man's ObamaCare nightmare

Not good enough:

* "Tort reform" is wingnut speak for "You're not allowed to sue when your doctor screws up and your insurance company won't pay.

Tort reform via a repeal of EMTALA is the only way to decrease the over-admission of patients to hospitals to cover their own asses liability-wise with the reassurance they can just screw over the insured. In fact this practice needs to be prohibited.

* Insurance should be provided for everything. You read me: Everything.

That's not insurance. Insurance is for unlikely and unfortunate events. Not "everything." Attitudes like yours directly make this problem worse.

* "Government involvement" includes Social Security and Medicare which work wonderfully.

Medicare is the most cost-expansionary program that has ever existed. Medicare D is the worst part of it, as it is the least funded and it enriches pharmaceutical companies that often do not actually resolve any health problems, but rather only mask symptoms and promote dependence.

Poor people deserve our charity. Says who? Says Jesus Christ.

Save it for Sunday morning, and leave public policy to rational, financially-minded people.
 
Re: One man's ObamaCare nightmare

And for the family in the OP -- tripling next year alone. What, do you think the OP story is just an outright fabrication?

I really haven't looked into it. There have been so many horror stories about our HC system for so many years, I have become immune. That's why we need the AHC act.
I do know that if I were them I would drop that company like a hot potato and find insurance on the exchanges. That's the beauty of the AHC system you are no longer locked into one company.
 
Re: One man's ObamaCare nightmare

Dropping people from an insurance policy is tantamount to a breach of contract. That can be dealt with... withOUT banning high-deductible plans or forcing insurance companies to offer new benefits they previously did not.

Do you know what the consequences are for the insurance company deciding it is OK to breach their contract? Let me explain how it goes. They do not pay, and someone is on the hook for the services they said they would pay for. So while you engage in all the fun of trying to argue with them, go hire a lawyer to fight that, and spend lots of cash and time you probably do not have because you work the place that gave you the medical service wants their money. So the doctor or hospital makes you delinquent and then trashes your credit while you fight with the insurance company making any other plans you might have had like buying a house, getting a car, or just getting a loan for something like paying for a lawyer a lot harder. Yes, it can be dealt with, but the reality is that you should not have to, and making it as hard as possible to get your contracted payment results in many people simply losing money while the insurance company occasionally gets away with not paying because it is simply more costly to fight. It is one of the ways insurance companies save money. Things like this and diagnosis like pre-diabetic and pre-cancer are great ways they came about to get rid of high risk or high cost people. Those conditions do not require a dime in treatment, but they become pre-existing conditions which as soon as your insurance is gone you no longer could get insurance. Just a small point, when you get divorced and have children you might be required to get them health insurance and that BS pre-existing condition prevents you and your child from being covered.

There is a huge reason there was a demand for health care reform. these are just a few of the lovely ways insurance companies love to screw people over. This is why people wanted something, and obama got it for them. Yes, some of these issues are now handled due to the regulations on insurance companies through obamacare. It is not just a health care mandate.


A $300 a month plan has a higher deductible, but the total out-of-pocket maximum costs (premiums + deductible + coinsurance) are not very different between high-deductible and low-deductible plans, when you actually do the math.

300 dollars a month insurance for a family of four was a scam. It was not going to cover many things anyway, and if it was supposed to good luck in getting a company like that to pay. Lioke I said, this guy got bargain basement insurance once, but now he won't bother shopping around? That is the article manipulating the fact the guy will go out and shop around. plus the fact the article fails to mention the subsidies that would lower the costs for a real plan with coverage the article admits is superior shows they do not want an honest representation of what was going on, and people like you do not look any further than the claims fix noise makes no matter how often their lie and distort the truth because you simply hate obama. If this was called the republican alternative to universal healthcare, which is what it is, you would be jumping for joy over paying for it.
 
Re: One man's ObamaCare nightmare

My wife and I had Humana as private insurance- high deductible (5K), no on going health care issues, and no riders to cover the high deductible such as AFLAC.

550 a month.

We asked about a plan with riders to cover cancer and serious illness (the AFLAC style riders) well they claimed to not offer such but could put together a plan with other insurance carriers- 830 a month IIRC.

We now have a different company with riders, a dental plan, and a vision care thing.

343 a month.

You don't take the gubmint's word without question, why do you take Humana's as if it is the 11th commandment???? :confused:

Like Pappa John's and that Florida franchise owner of I think it was Denny's.... They claim one thing, but simple math shows they are just being petty, partisan asses....

God knows where you get your insurance. In New York State, the cheapest I found was Blue Cross Blue Shield and it's $1,500 a month for a husband, wife, and child under 25. And for that $1,500 a month they won't even guarantee you that plan beyond 12/31/2013. In fact, Blue Cross told me to just continue to go without insurance until October 1st and then do the new insurance online. My COBRA ran out, but even with my company contributing towards COBRA I still had to pay $880/month on top of whatever they contribute. And it wasn't even BCBS. It was a crappy PPO with United Healthcare. There is nowhere in NY that you can get anything even close to the $550 a month you quote, even with huge deductibles and even with a fly-by-night nobody insurance company. I tried to get just hospitalization and was willing to pay for doctor visits and pharmacy, and even that catastrophic medical insurance was $1,200 a month. Obamacare can't get here soon enough!
 
Re: One man's ObamaCare nightmare

This is a great post, perfect illustration of how a socialist / lefty runs away to hide. Toss out the beloved "every swinging Richard" and run and hide behind one beloved answer.

If you live in NY I'm told that obamacare is a God send and likely to reduce costs. For 4 other states I'm told its a wash, and for 45 states its going to cost us more. Leave it
to a fanatical extreme leftist to care less about what it does to his fellow man - any fellow man - so long as it empowers him to take from those who earned it and give it to
himself.


So every swinging Richard who claims a firearm has protected them is Assad? :roll:

If MSNBC reported ACA was greatly reducing ONE person's insurance bill you'd accept that as gospel???

Your words define petty partisan hack quite well. NO effort to check ANYTHING Faux Noise says. Refusal to believe anything anyone says when it goes against your mindset.

Pappa John was shown to be a partisan hack- but you refuse to admit that. I can only think you are clueless what privately purchased healthcare costs and the HUGE differences in cost, coverage, co-pays, networks, deductibles and what is covered as approved treatments.

But you keep making a strawman figure to argue against, you are clueless and speak the language of a petty partisan hack.
 
Re: One man's ObamaCare nightmare

Without those "lazy" CEO's your "hard working" would be desolate and poor. Of course you wouldn't understand that because you want what they have given too you because you don't know how to earn it.


All right, Mr. "Very Conservative": How would you bring down health care costs? It appears the Republicans in Congress have one alternative to Obamacare, which is "do nothing." I'm asking you to suggest something. What's your idea?



Got a link?

Face it, "the lazy who won't work for it" are the CEOs, and "the hard-working people" aren't paid enough to afford health insurance. Once you admit this, you will have joined the real world.
 
Re: One man's ObamaCare nightmare

Just one example on how Obama care will screw you..........Biggest Ponzi scheme in the history of this country.


One man's ObamaCare nightmare | Fox News

OMG... one person had a bad experience. What a compelling argument to scrap the whole program? Wait, someone was shot by a gun. Let's ban all guns.

Anecdotes rarely make good arguments.... but you showed me yours, so I'll show you mine.

http://capsules.kaiserhealthnews.or...tected-young-adults-from-high-hospital-bills/

OK... so score tied: one anecdote to one anecdote....


wait, mine talks about 3.1 million people and yours deals with just one family.... so you'll just have to find another 3 million to get in the game...
 
Re: One man's ObamaCare nightmare

Do you know what the consequences are for the insurance company deciding it is OK to breach their contract? Let me explain how it goes. They do not pay, and someone is on the hook for the services they said they would pay for.

That is not what this thread is about. That is a separate issue. Companies deceiving customers and not covering what the customer was led to believe he was getting is a civil law issue that has nothing to do with PPACA tripling health insurance premiums for families. Please stop trying to distract from the thread topic.

300 dollars a month insurance for a family of four was a scam.

No it is not a scam. It's a high-deductible plan. If the family paid $1,100 a month and has a decent amount of things covered and a lower deductible, the out-of-pocket maximum expenditure might be around $16,000, whereas the lower premium but higher deductible might result in an out-of-pocket maximum expenditure of $16,800.

Look at the insurance options and do the math for yourself. When you add up the premiums, deductibles and co-insurance, you will see a variance of out-of-pocket maximum health expenditures of maybe only a few thousand dollars. The difference is that some people prefer to automatically spend over 10 grand a year on premiums and 5 grand in deductibles and coinsurance, whereas others prefer to spend less than 5 grand on the premiums and up to 10 or 12 grand on health care (deductibles and coinsurance) if they end up needing it.

Until PPACA came along, anyway, which now takes away the high-deductible choice that many families prefer.
 
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Re: One man's ObamaCare nightmare

LOL....the Repubs are shaking in their boots trying to keep the ACA from taking effect because they know that when it does, it is going to cover thousands of Americans who didn't have coverage before....and people are going to see that the GOP has been engaging in propoganda and scare tactics. This is just another nail in the GOP coffin in ever hoping to avoid becoming a regional political party.

I have voted Libertarian Party for a long time. Last time I didn't was when I voted for GB-1 a couple of decades ago. If Obamacare gets me medical insurance (I pay for my own doctors and pharmacy and have no insurance at all), I will vote for DNC until the day I die. I suspect that a lot of Americans have no idea how scary it is to know that you are one heart attack, one cancer diagnosis, or one stroke away from losing every penny in your SEP KEOUGH, your 401K, and losing the house you paid on for 30 years; but that is exactly what Obamacare will fix. In Central New York, only one BCBS carrier even exists, and they have pre-existing condition clauses and charge over $1,500 a month even if you are out of work. They flat out said they would not cover my wife's diabetes medicines, doctor visits related to diabetes, or any serious hospital issues related to diabetes. They will take your $1.5K but you have to pay for your own medical care related to conditions you had before you bought BCBS. Best thing you can do in America now is refuse to give the hospital your name (or give them a fake name) and force them to treat you anyway. This country is really becoming the third world.
 
Re: One man's ObamaCare nightmare

I really haven't looked into it. There have been so many horror stories about our HC system for so many years, I have become immune. That's why we need the AHC act.
I do know that if I were them I would drop that company like a hot potato and find insurance on the exchanges. That's the beauty of the AHC system you are no longer locked into one company.

What they're locked into is the federal law that 1) prohibits high-deductible plans, 2) forces coverage of extra stuff, and last but not least, offers a fake promise of subsidies to families when in fact the subsidy only applies to the spouse's coverage, and leaves families with hugely more expensive health insurance.

In other words, the 9.5%-of-income cap does not apply to one's children and therefore families have to fork over all this ADDED (not reduced) cost by themselves. It's called the "family glitch."

Expect parents who previously happily paid for insurance for their children to now be intentionally not covering their kids because it's simply become unaffordable thanks to the law ****ing it up.
 
Re: One man's ObamaCare nightmare

If you live in NY I'm told that obamacare is a God send and likely to reduce costs.

Maybe good insurance exists in NYC (Downstate NY), but in Central NY there are no carriers other than BCBS Excellus. None. And I am being told in Upstate NY it's just as bad (I have friends in Rochester and Bufffalo). But Central NY - nothing. Even the farm bureau put me in touch with some company that wanted $2,000 a month with a pre-existing condition clause (USI Effinity). I live in a town where it's all farms, and every other farmer I know has no insurance. Since leaving the Air National Guard and becoming involved with the USAF Civil Air Patrol (I wanted to learn to fly), I lost my Tricare from Uncle Sam. I'm sure if I was in dire straits I could probably go to a VA hospital for care, but I don't think there is one within 150 miles of me. Obamacare will be a godsend to Central and Upstate NY.
 
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