They had great insurance through IBM for twenty years, it wasn't until Obama care that IBM and many other companies did this just like the "crazy right wingers" predicted would happen.
Twenty years before anyone knew who Obama was IBM was shipping all their jobs to India. So IBM didn't need Obamacare to be awful, all they needed to do was continue to be the horrible assholes that they already are.
If you are a middle income family or a young person, you have lost big time. Your purpose in Democrat political life is now to support Mexican immigrants and all of the other dependents who use Obamacare and cannot/refuse to pay for it. Obamacare money will be taken from your family to support the medical care and maintenance of these people, which will buy Democrat votes forever.
My mom and dad both had great careers there and great med retirement benefits until this new "law of the land" called Obama care. Now they have been pushed onto Medicare. Thanks Obama.
Actually yes, that is what I think. They've all been wanting to, but needed the PR cover, and then along comes Obamacare. . . . perfect. Better though that it happens with Obamacare starting than that they dump retirees with no Obamacare.Just a coincidence that IBM, UPS and others all did this as Obama care comes on line huh.
Just a coincidence that IBM, UPS and others all did this as Obama care comes on line huh.
Actually yes, that is what I think. They've all been wanting to, but needed the PR cover, and then along comes Obamacare. . . . perfect. Better though that it happens with Obamacare starting than that they dump retirees with no Obamacare.
Actually yes, that is what I think. They've all been wanting to, but needed the PR cover, and then along comes Obamacare. . . . perfect. Better though that it happens with Obamacare starting than that they dump retirees with no Obamacare.
Yep, that's about when things like annual bonuses went away, and pay freezes and such. Being the guru, my ex- was excluded from much of the pain til about '92, but we saw it coming.All it requires for that PR to work is for no one to know that IBM turned horrible roughly around 1985. So unless Obama is a cyborg time traveler I'm going to have to eliminate him from the list of usual suspects.
Hey, did you get that? Two pop culture references in one post.
Yep, that's about when things like annual bonuses went away, and pay freezes and such. Being the guru, my ex- was excluded from much of the pain til about '92, but we saw it coming.
We didn't need to have that so much. In Boise, all the IBMers which were few, lived in the same neighborhood. It was a lot like EDS in Plano with my uncle and his co-workers, except EDS was on a much larger scale taking up blocks and blocks of neighborhoods.Don't forget Family Day, but that observation is probably superfluous at this point.
We didn't need to have that so much. In Boise, all the IBMers which were few, lived in the same neighborhood. It was a lot like EDS in Plano with my uncle and his co-workers, except EDS was on a much larger scale taking up blocks and blocks of neighborhoods.
Okay...from reading the article I would have to say that this phenomenon is not caused by Obamacare, but its effects are expected to increase because of Obamacare.
1. Health care providers are turning to this practice because more and more people are not paying for their health care and the provider needs to get paid somehow. Requiring payment in advance sounds to me like a good way to do that.
2. The patients are getting hammered because they don't have the ready cash to pay for the medical care up to their deductible at one whack.
3. Obamacare enters the mix because many of the available plans on the exchanges are high deductible-low premium plans. As more people buy insurance and more providers demand payment up front, more people will not be able buy heath care even if they do have the insurance.
4. Employers are also in the mix to some extent...at least the ones who offer health insurance coverage to their employees or the ones who stop offering health insurance coverage and their employees move to the high deductible exchange plans. Employers are increasingly going to higher deductible plans to reduce their costs...and their employee's costs, reducing hours to not be required to provide insurance coverage or just not offering coverage anymore. Their employees will run into the same problems when they go to a doctor who requires payment up front...and if they don't have the ready cash.
It's not a good situation for those who are unprepared for it, but there will always be some people who think ahead, put some money away or reduce their need to go to the doctor. Others will just go to the ER when their kids have the sniffles.
you are going to have a lot of pissed off the Obama voters which most are miss or uniformed that will sign up pay that one monthly premium and go to the doctor demanding treatment to find out it will cost them a few thousand to get that treatment
My point was that this phenomenon is not new, let alone actually caused by the PPACA.
What else is new. If we wanted to solve most of our current problems we would have universal health care. The common theme you'll find from us wacky liberals is not that the PPACA solves everything but that it's better than what existed before it.
Yes, I agreed twice to this 'nothing new' point of 'pay up front'. But you failed to address my supposition that 'MANY of those uninsured were so due to inability to afford coverage. Now they must come up with premium, co-pay AND deductible the sum of which they couldn't afford prior' unless the platitude 'it's better than what existed before it' was meant as meaningful response. If so, I'm still confused as folks couldn't afford MEDICAL care before PPACA and considering my supposition the will not be able to afford MEDICAL care (premiums, co-pays and deductible) after PPACA...as health care (read insurance) doesn't heal anyone...
You say you've already agreed to this twice, yet you continue with the idea that "now" "many" must pay the deductible up front. I'm confused about what point you're making.
The point is that those who were paying premiums, co-pays and deductible before could then, can now (pre/post PPACA) which is what I agree to. But those who were uninsured pre-PPACA and are now able to afford PPACA via subsidies won't only have to afford premiums but also these co-pays AND deductible prior to medical care. If they couldn't afford only the premium pre-PPACA how are they going to now afford all three as co-pays/deductibles are not subsidized? Considering this what's changed for them?...they have insurance but cannot afford use it?
Are you posting this as if it's bad news? That would be good news. Emergency rooms are ridiculously over-used. If people have to pay up in advance, they'll make an appointment with their doctor -- or, YIKES! get a family doctor.
I've had the misfortune of having to use the ER on four occasions in the last six years...for genuine pain-threshhold-ten emergencies. Somebody's there because his foot cast itches...a kid with a sore throat who's running around the waiting area...dozens of people looking just fine patiently waiting for ER care. More convenient at night is my guess. That's simply GOT to change.
Large deductibles are a good thing.
Sooooo.. you are just admitting that the AFFORDABLE Care Act was no such thing?
Are you posting this as if it's bad news? That would be good news. Emergency rooms are ridiculously over-used. If people have to pay up in advance, they'll make an appointment with their doctor -- or, YIKES! get a family doctor.
I've had the misfortune of having to use the ER on four occasions in the last six years...for genuine pain-threshhold-ten emergencies. Somebody's there because his foot cast itches...a kid with a sore throat who's running around the waiting area...dozens of people looking just fine patiently waiting for ER care. More convenient at night is my guess. That's simply GOT to change.
Large deductibles are a good thing.
I can't help what they named the damned thing. Everyone can get insurance. That's what I like about it. *shrug*
'Course I'm used to paying my way...
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