Well I WAS thinking silver plan

sawyerloggingon · Dec 2, 2013

On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

Risky Thicket · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

That's because you were watching Fox News. On MSNBC you can pick your local doctor and he'll make house calls on the Silver Plan.

Fisher · Dec 2, 2013

Call your regular doctor and ask them. Don't assume one way or the other if that is a concern for you.

sawyerloggingon · Dec 2, 2013

Fisher said:
Call your regular doctor and ask them. Don't assume one way or the other if that is a concern for you.

I tried that and his office manager said she really didn't know where they were on this yet. They are still waiting for some classification clarification. Everybody is in limbo on this thing.

Kal'Stang · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

Do what i'm going to do, don't get insurance. Pay the fine.

longview · Dec 2, 2013

Risky Thicket said:
That's because you were watching Fox News. On MSNBC you can pick your local doctor and he'll make house calls on the Silver Plan.

The strange question will be,
"Why does the Doctor who does house calls, look like an IRS auditor?"

sawyerloggingon · Dec 2, 2013

Kal'Stang said:
Do what i'm going to do, don't get insurance. Pay the fine.

I'm old, I can't risk that and I need regular checkups. When you are old you need to keep an eye on things like your prostate, blood pressure, cholesterol and then there is that wonderful colon thing for the icing on the cake.

ttwtt78640 · Dec 2, 2013

sawyerloggingon said:
I tried that and his office manager said she really didn't know where they were on this yet. They are still waiting for some classification clarification. Everybody is in limbo on this thing.

It must remain so until after the 2014 elections, thus expect more waivers, exclusions and delays.

ttwtt78640 · Dec 2, 2013

sawyerloggingon said:
I'm old, I can't risk that and I need regular checkups. When you are old you need to keep an eye on things like your prostate, blood pressure, cholesterol and then there is that wonderful colon thing for the icing on the cake.

You can afford the check-ups, only buy insurance when you know that you need expensive treatment.

Woodman909 · Dec 2, 2013

Risky Thicket said:
That's because you were watching Fox News. On MSNBC you can pick your local doctor and he'll make house calls on the Silver Plan.

The list of in-network doctors has nothing to do with what news media network is reporting what they perceive to be the details. It has to do with the details of the plan and the region (zipcode) being serviced.

So you can bad-mouth Fox and/or MSNBC all you want. Get the facts of the plan first, then throw your stones.

sawyerloggingon · Dec 2, 2013

ttwtt78640 said:
You can afford the check-ups, only buy insurance when you know that you need expensive treatment.

This is probably TMI but last time I had my colon looked at it was full of polyps so I need that procedure on a regular basis and it is extremely expensive.

sawyerloggingon · Dec 2, 2013

Woodman909 said:
The list of in-network doctors has nothing to do with what news media network is reporting what they perceive to be the details. It has to do with the details of the plan and the region (zipcode) being serviced.

So you can bad-mouth Fox and/or MSNBC all you want. Get the facts of the plan first, then throw your stones.

I think risky was making a joke.

soot · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

I ran my numbers through the exchange website a couple weeks ago just for ****s and giggles (I have healthcare provided by my employer and won't actually be using any of the ACA plans, but I was curious what the prices were).

For my family of four, and taking into consideration that we don't qualify for any kind of tax credit subsidy, the yearly premium for a platinum plan was about $8000.

As it happens, that's actually more than I pay for my employer-provided healthcare, but we all understand that my employer pays at least the same, if not more, toward my coverage.

Anyhow, $700 a month for health insurance isn't any kind of a bargain, as far as I'm concerned.

It may be a better rate that a consumer would previously have had to pay for the same kind of coverage, so I suppose there's some benefit there.

But I don't really think this legislation was actually designed with folks who are buying "platinum" level coverage in mind so I'd be surprised to see that the rates for such coverage are dropping significantly.

sawyerloggingon · Dec 2, 2013

soot said:
I ran my numbers through the exchange website a couple weeks ago just for ****s and giggles (I have healthcare provided by my employer and won't actually be using any of the ACA plans, but I was curious what the prices were).

For my family of four, and taking into consideration that we don't qualify for any kind of tax credit subsidy, the yearly premium for a platinum plan was about $8000.

As it happens, that's actually more than I pay for my employer-provided healthcare, but we all understand that my employer pays at least the same, if not more, toward my coverage.

Anyhow, $700 a month for health insurance isn't any kind of a bargain, as far as I'm concerned.

It may be a better rate that a consumer would previously have had to pay for the same kind of coverage, so I suppose there's some benefit there.

But I don't really think this legislation was actually designed with folks who are buying "platinum" level coverage in mind so I'd be surprised to see that the rates for such coverage are dropping significantly.

I have not run my numbers for platinum yet but I should I guess. I'm afraid it will ruin my day though.

ttwtt78640 · Dec 2, 2013

sawyerloggingon said:
This is probably TMI but last time I had my colon looked at it was full of polyps so I need that procedure on a regular basis and it is extremely expensive.

Tine to lower your "on the books" income and get on the subsidized gravy train.

Risky Thicket · Dec 2, 2013

Woodman909 said:
The list of in-network doctors has nothing to do with what news media network is reporting what they perceive to be the details. It has to do with the details of the plan and the region (zipcode) being serviced.

So you can bad-mouth Fox and/or MSNBC all you want. Get the facts of the plan first, then throw your stones.

What a fun guy you are!

I fart in your general direction. :fart

Woodman909 · Dec 2, 2013

Risky Thicket said:
What a fun guy you are!

I fart in your general direction. :fart

yeah, i guess i walked into that one...

sawyerloggingon · Dec 2, 2013

So what we have here is yet another caveat to Obama's statement. "You like your doctor you can keep him" IF that is you purchase the platinum plan that is.

Greenbeard · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

The strange thing is that more limited networks are a cost control mechanism--the thing Obamacare supposedly doesn't have or encourage.

Here's the anti-Obamacare Avik Roy writing in Forbes: Yes, Obamacare's Exchanges Will Narrow Your Choice Of Doctors -- And That's A Good Thing

Hospitals and doctors will have to compete on price

Every major insurer has conducted substantial market research into consumers’ attitudes about shopping for coverage. And consistently, what insurers find is that consumers’ highest priority is price. Just as most travelers shop for airline tickets based on price, rather than the brand or the in-flight amenities, most exchange participants will shop on the basis of premiums.

So insurers will compete to offer the lowest price, by contracting with the doctors and hospitals who charge them the lowest fees for treating you. “The networks will be narrower than the networks typically offered to large groups of employees in the commercial market,” said a spokesman for Cigna.

This is, in general, a good thing. Unlike government-imposed price controls, these contracts are voluntary. If doctors don’t like the fees that insurers are talking about, they don’t have to participate. If insurers think doctors are asking too much, they can take their business elsewhere. This is the essence of market-based transactions.

sawyerloggingon · Dec 2, 2013

Greenbeard said:
The strange thing is that more limited networks are a cost control mechanism--the thing Obamacare supposedly doesn't have or encourage.

Here's the anti-Obamacare Avik Roy writing in Forbes: Yes, Obamacare's Exchanges Will Narrow Your Choice Of Doctors -- And That's A Good Thing

I understand that it is a cost control issue but if I have to drive 100 miles to go to the doc my cost are out of control.

apdst · Dec 2, 2013

sawyerloggingon said:
So what we have here is yet another caveat to Obama's statement. "You like your doctor you can keep him" IF that is you purchase the platinum plan that is.

Look on the bright side: it'll be working perfect in 4 years.

JerryAL · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

This is so NOT true. If you have a BlueCross BlueShield Bronze, Silver, Gold, or Platinum plan and your doctor accepts BlueCross BlueShield they will accept any of those plans as well. This silly fear-mongering is so going to backfire on all of you Republicans very quickly now that the website is working.

Thom Paine · Dec 2, 2013

JerryAL said:
This is so NOT true. If you have a BlueCross BlueShield Bronze, Silver, Gold, or Platinum plan and your doctor accepts BlueCross BlueShield they will accept any of those plans as well. This silly fear-mongering is so going to backfire on all of you Republicans very quickly now that the website is working.

:lamo:lamo:lamo

yeah, .... riiiiight humor is over running this serious thread.

Thom Paine

Summerwind · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

As you say, you might have to. Let us know when you know instead of just reading you complain about what might be.

roughdraft274 · Dec 2, 2013

sawyerloggingon said:
On the Sunday FOX show they had some lady on defending Obamacare and I learned something new. I thought the difference between the plans were just things like the deductible and how good the coverage was but apparently the network of docs that will even see you is effected too. The silver plan vastly limits this and I might have to drive a hundred miles to go to the doc. Now I will probably have to go to platinum to be able to see a doc in my small town. Just another hidden cost in this so called affordable health care BS.

It's based on the insurance company that you pick, not the level of coverage. And if you pick silver you can still pick from all the health insurance companies that offer silver.

Well I WAS thinking silver plan

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