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Grapesoda

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#1

obama care

02-17-2016, 05:53 AM

let's see.. my premiums went from $325 to $577, my deductions went from $2500 to $5000, the health ins is being turned down by doctors in my area.

I'm paying full price for several medications. my health ins just canceled a medication I've been on since 2003 for a chronic eye infection, (think about that for a second, I am a photographer) because it's to expensive. went to two Dr's to get the prescription reestablished. one Dr's office turned my health ins down. the medication was once again denied by blue shied. I had to pay for the pills myself.. $555.24 for 53 pills, and that does not count against my deductible because the medication is not approved....

so that cleaned out my personal account for the week leaving with $65.28 to pay for $140 in shoulder therapy, buy food and gas until Monday

so there are possibly grammatical errors in the post... so what?? get the fuck over yourself lol!!
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#2

02-17-2016, 06:11 AM

But the administration is patting themselves on the back for insuring sooooo many people that before did not have.... well might have... well they have insured people.

They never mention the fines or anything that can come for NOT having insurance.

Sorry to hear man.

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SuckOnThis

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#3

02-17-2016, 06:11 AM

If you've had an infection for 13 years did it ever occur to you that maybe the medication doesn't work?
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#4

02-17-2016, 06:14 AM

Most insurers will only pay for in-network primary care doctors and specialists. You got to jump through their hoops and have your in-network primary care doctor refer you to the in-network specialist (if a ophthalmologist is involved). Call the insurance co (Blue Shield) and ask. They cannot sell insurance that no one will accept in your local area.

I had a similar problem with a branded drug that was a time release capsule that worked a lot better for tachycardia (beta blocker). The branded cap was $220 a month and the generic that was not time release was $12 a month -- in the end I take 2 to 3 of the generic a day (low dose) -- not as good but it works OK. So, is there a generic equivalent that the insurer will pay for?

Did you try any of this?
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#5

02-17-2016, 06:16 AM

the point is not his eye infection, the point is premiums are going thru the roof and it's not bullshit...........since coverage for a male 29 silver ppo is 300 dollars! Try getting a family plan LOL. Plus an appoint without coverage, ONE appointment at sutter here in cali was 523.00 for a GP visit.

It was a good if not great idea but in reality the follow thru was terrible and it needs to be not be repealed but reworked greatly, and I hope they do.
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#6

02-17-2016, 06:24 AM

Funny 2 years ago my premium was $529 a month $1,000 deductible and max out of pocket per year was $5,000 (52 year old Male)

Now I am paying $679 a month with a $1,000 deductible and max out of pocket per year was $1,500 (54 year old Male)

Should I be upset?

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#7

02-17-2016, 06:27 AM

Originally posted by pornguy

They never mention the fines or anything that can come for NOT having insurance.

Boy are you uninformed. Your keyboard should be taken away.

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#8

02-17-2016, 06:28 AM

Originally posted by shiraz9944

the point is not his eye infection, ...

That is the immediate problem -- if it was my eyes I would be upset too.

A Silver HMO here is $650 - $980/mo for just me a 60 yo male I did a Bronze with a $6,900 deductible for $426/mo. You are not in a unique situation at all.

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#9

02-17-2016, 06:29 AM

So without obamacare how much would your insurance gone up anyway? Medical costs keep going up and you keep getting older...

Sup
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#10

02-17-2016, 06:29 AM

Originally posted by shiraz9944

the point is not his eye infection, the point is premiums are going thru the roof and it's not bullshit...........since coverage for a male 29 silver ppo is 300 dollars! Try getting a family plan LOL. Plus an appoint without coverage, ONE appointment at sutter here in cali was 523.00 for a GP visit.

It was a good if not great idea but in reality the follow thru was terrible and it needs to be not be repealed but reworked greatly, and I hope they do.

If you live in SoCal. lots of the doctors have offices down in TJ so you can pay cash. And fucking cheap compared.

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Grapesoda

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#11

02-17-2016, 06:30 AM

Originally posted by pornguy

But the administration is patting themselves on the back for insuring sooooo many people that before did not have.... well might have... well they have insured people.

They never mention the fines or anything that can come for NOT having insurance.

Sorry to hear man.

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#12

02-17-2016, 06:31 AM

Originally posted by Grapesoda

let's see.. my premiums went from $325 to $577, my deductions went from $2500 to $5000, the health ins is being turned down by doctors in my area.

$577 a month for one single male? Every month even if you don't actually receive an actual monthly medical treatment? Oh

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Grapesoda

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#13

02-17-2016, 06:31 AM

Originally posted by shiraz9944

the point is not his eye infection, the point is premiums are going thru the roof and it's not bullshit...........since coverage for a male 29 silver ppo is 300 dollars! Try getting a family plan LOL. Plus an appoint without coverage, ONE appointment at sutter here in cali was 523.00 for a GP visit.

It was a good if not great idea but in reality the follow thru was terrible and it needs to be not be repealed but reworked greatly, and I hope they do.

lol!! the eye infection is a career killer for me.. spent 5-6 days with red burning eyes that would not stay focused...
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#14

02-17-2016, 06:34 AM

Originally posted by suesheboy

Funny 2 years ago my premium was $529 a month $1,000 deductible and max out of pocket per year was $5,000 (52 year old Male)

Now I am paying $679 a month with a $1,000 deductible and max out of pocket per year was $1,500 (54 year old Male)

Should I be upset?

I'm trying, with much help from the state of California, to lower my income so I can receive some benefit from Obama care
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#15

02-17-2016, 06:45 AM

Originally posted by SuckOnThis

If you've had an infection for 13 years did it ever occur to you that maybe the medication doesn't work?

I have a similar situation. Eye infection that without medicine will flare up very badly. Multiple ophthalmologists in multiple states all came to the same conclusion. Cannot fix, can only manage.

Fortunately my pills only cost $.50 a day.

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#16

02-17-2016, 06:58 AM

gotta pay for all the illegals and deadbeats who dont work. The money has to come from somewhere, and thats the taxpayers
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#17

02-17-2016, 07:18 AM

I cancelled my insurance this year. I will pay the fine, fuck Obamacare. My premium almost doubled in 2016 and is almost the equivalent of my mortgage.

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#18

02-17-2016, 07:29 AM

Originally posted by atom

I cancelled my insurance this year. I will pay the fine, fuck Obamacare. My premium almost doubled in 2016 and is almost the equivalent of my mortgage.

Not sure what's going to happen when more insurance companies dropout, they are already talking about it. Add to that the doctors that are dropping out, as mentioned in this thread. Then add people like you dropping out and paying the penalty instead, leaving even less money in the coffers.

Less coverage. Fewer doctors. Less money.

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#19

02-17-2016, 07:45 AM

Originally posted by Grapesoda

I'm trying, with much help from the state of California, to lower my income so I can receive some benefit from Obama care

My income is not low. My state just offers a better deal on the exchange than yours.

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#20

02-17-2016, 07:47 AM

Originally posted by atom

I cancelled my insurance this year. I will pay the fine, fuck Obamacare. My premium almost doubled in 2016 and is almost the equivalent of my mortgage.

What happens if you get cancer or have a heart attack and you have assets and no insurance?

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#21

02-17-2016, 07:58 AM

Originally posted by suesheboy

What happens if you get cancer or have a heart attack and you have assets and no insurance?

Same thing that happened before obamacare

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#22

02-17-2016, 08:30 AM

Here is the thing I don't understand about Obamacare.... If you don't like what you are getting through Obamacare, go out and get better insurance. Here in California we have Kaiser Permanente, and when my employer isn't paying for my insurance I've used them. I've been using Kaiser for the past six or seven years, no issues.

My costs have gone up through the years, but not dramatically.... They would have gone up no matter what.

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#23

02-17-2016, 08:38 AM

Originally posted by Rochard

when my employer isn't paying for my insurance I've used them. .

And there you go...

Some of us own our own businesses and don't suck off the teats of "employers".

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#24

02-17-2016, 08:45 AM

Originally posted by Rochard

Here is the thing I don't understand about Obamacare.... If you don't like what you are getting through Obamacare, go out and get better insurance. Here in California we have Kaiser Permanente, and when my employer isn't paying for my insurance I've used them. I've been using Kaiser for the past six or seven years, no issues.

My costs have gone up through the years, but not dramatically.... They would have gone up no matter what.

you are missing the point... many on here feel that as a result of ObamaCare, insurance rates rose faster than they normally would... many, like the OP, experienced almost double increase in insurance premiums in the last few years...

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#25

02-17-2016, 08:49 AM

I will say this much about the healthcare, at least they are more honest than my other insurance. All my other insurance call it a "renewal date" or an "expiration date".

Originally posted by Robbie

And there you go...

Some of us own our own businesses and don't suck off the teats of "employers".

It is part of the benefit package that you negotiate with an employer. It is not "sucking off the teat" of anything.

.

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#26

02-17-2016, 08:52 AM

Originally posted by suesheboy

What happens if you get cancer or have a heart attack and you have assets and no insurance?

A chance I am willing to take. Is it a gamble? Of course. Both my wife and I exercise, eat well and are lead active lifestyles. We still do yearly Physicals and are both healthy. (knock on wood)

After my monthly premium and my deductible I would have to spend a total of $24k out of pocket in a 1 year period before insurance would kick in. I could break both my arms and legs in the next year and still be ahead. Fuck that.

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#27

02-17-2016, 08:53 AM

Originally posted by Rochard

Here is the thing I don't understand about Obamacare.... If you don't like what you are getting through Obamacare, go out and get better insurance. Here in California we have Kaiser Permanente, and when my employer isn't paying for my insurance I've used them. I've been using Kaiser for the past six or seven years, no issues.

My costs have gone up through the years, but not dramatically.... They would have gone up no matter what.

You don't understand it because you straight out don't understand it.

If you have income under a certain limit you can get subsidies. A lot of people can get this, a lot of people cannot. Even though you personally cannot get subsidies, that does not mean all of the changes do not have an impact on your personal insurance situation.

I do not get subsidies. My insurance went up 20% this year and I doubled my deductible from last year. There is nothing I can "opt out" of to get away from "Obamacare." This is the current state of affairs. There is nothing you can do to lower your rates except switch plans (which will be worse, for the most part) or significantly reduce your income so that you can get the subsidies.

My plan is $300 a month with a $5000 deductible and I have yet to use it this year, I did not use it last year or the year before either. A friend of mine has the exact same plan and after subsidies he pays $50 a month, I'm not sure on the deductible, but he has a heart condition and has used his insurance thoroughly.

I am thankful that I can now buy insurance, which I could not before Obamacare, but in the process of satisfying my personal needs and needs of some others, a whole swathe of the population is getting royally ass fucked and as more insurance companies and doctors place further restrictions on what they will and will not do, the lube is going to disappear.

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#28

02-17-2016, 08:54 AM

Originally posted by Barry-xlovecam

That is the immediate problem -- if it was my eyes I would be upset too.

A Silver HMO here is $650 - $980/mo for just me a 60 yo male I did a Bronze with a $6,900 deductible for $426/mo. You are not in a unique situation at all.

@suesheboy -- No, you may need it (I hope not)

Those figures are the about the same here in CA, but from my experience shopping around for health insurance, non-Obamacare insurance is approximately the same price or even slightly more. The problem isn't Obamacare per se, it's the national scam (and disgrace) that healthcare in the US has become.
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#29

02-17-2016, 09:10 AM

Originally posted by sarettah

It is part of the benefit package that you negotiate with an employer. It is not "sucking off the teat" of anything.

.

Absolutely.

it's also important to note that businesses are slowly lowering their benefits packages in regards to health insurance as they cannot cover the nut anymore either. As more employees that currently received insurance through their employers need to purchase insurance on their own, it's going to make this mess even worse.

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#30

02-17-2016, 10:02 AM

Before going off on Obama care you should focus on the root cause of the problem which is health care companies gouging everyone and our government who allows them to. Gov agencies could bargain for cheaper healthcare costs but are not allowed to by our bought off gov officials

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Grapesoda

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#31

02-17-2016, 11:02 AM

Originally posted by Sly

I have a similar situation. Eye infection that without medicine will flare up very badly. Multiple ophthalmologists in multiple states all came to the same conclusion. Cannot fix, can only manage.

Fortunately my pills only cost $.50 a day.

I have chronic ocular Rosita, be on antibiotics 'til I reach room temperature
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#32

02-17-2016, 11:03 AM

Originally posted by suesheboy

My income is not low. My state just offers a better deal on the exchange than yours.

which state?
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Grapesoda

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#33

02-17-2016, 11:04 AM

Originally posted by Rochard

Here is the thing I don't understand about Obamacare.... If you don't like what you are getting through Obamacare, go out and get better insurance. Here in California we have Kaiser Permanente, and when my employer isn't paying for my insurance I've used them. I've been using Kaiser for the past six or seven years, no issues.

My costs have gone up through the years, but not dramatically.... They would have gone up no matter what.

Richard I've been on a PPO sine the start.. not so sure getting into Kaiser is a good plan for me
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#34

02-17-2016, 11:05 AM

It's actually obamacare....one word you dunce.
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Grapesoda

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#35

02-17-2016, 11:06 AM

Originally posted by sarettah

I will say this much about the healthcare, at least they are more honest than my other insurance. All my other insurance call it a "renewal date" or an "expiration date".

It is part of the benefit package that you negotiate with an employer. It is not "sucking off the teat" of anything.

.

blue cross did that to me...told me there were canceling me the next month and raised my rate $75 ... true story
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#36

02-17-2016, 11:06 AM

Originally posted by woj

you are missing the point... many on here feel that as a result of ObamaCare, insurance rates rose faster than they normally would... many, like the OP, experienced almost double increase in insurance premiums in the last few years...

Those massive increases happen when previous insurance was substandard.

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#37

02-17-2016, 11:11 AM

Originally posted by Grapesoda

which state?

I use Florida as my residency.

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Grapesoda

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#38

02-17-2016, 11:13 AM

Originally posted by marcop

Those figures are the about the same here in CA, but from my experience shopping around for health insurance, non-Obamacare insurance is approximately the same price or even slightly more. The problem isn't Obamacare per se, it's the national scam (and disgrace) that healthcare in the US has become.

here is another issue Marco, my health ins is being denied at Doctors offices because I am single pay... i.e. I do not work for 'x corporation' and must buy my own health ins. I am not accepted.
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#39

02-17-2016, 11:15 AM

Originally posted by Grapesoda

here is another issue Marco, my health ins is being denied at Doctors offices because I am single pay... i.e. I do not work for 'x corporation' and must buy my own health ins. I am not accepted.

My friend that I mentioned earlier recently had to switch cardiologists because his prior cardiologist will no longer take his insurance. That's a pretty big deal.

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#40

02-17-2016, 11:16 AM

Originally posted by beerptrol

Before going off on Obama care you should focus on the root cause of the problem which is health care companies gouging everyone and our government who allows them to. Gov agencies could bargain for cheaper healthcare costs but are not allowed to by our bought off gov officials

what a fucking dump ass... thanks to fucking god YOU figured that out when no one else could... you are fucking amazing!!!

BUT are you sure it wasn't the fucking US GOV stealing Mexico from the peaceful natives that caused all the issue we currently experience with healthcare?
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#41

02-17-2016, 11:17 AM

Originally posted by suesheboy

Those massive increases happen when previous insurance was substandard.

uh... my 'previous insurance' was certainly not substandard
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#42

02-17-2016, 11:46 AM

Originally posted by sarettah

It is part of the benefit package that you negotiate with an employer. It is not "sucking off the teat" of anything.

"The ObamaCare Employer Mandate / Employer Penalty, originally set to begin in 2014, was delayed until 2015 / 2016. ObamaCareâ??s â??employer mandateâ? is a requirement that all businesses with 50 or more full-time equivalent employees (FTE) provide health insurance to at least 95% of their full-time employees and dependents up to age 26, or pay a fee by 2016."

If he were paying for his OWN insurance plan...he would be singing a much different tune.

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#43

02-17-2016, 11:49 AM

Originally posted by suesheboy

Those massive increases happen when previous insurance was substandard.

My insurance is the same I've had since 2002.

Only difference in it is that in 2002 it was $459 for me, my wife, and 2 kids.

It had risen to over $500 by 2009 for me, my wife and 2 kids. (about a 50 buck increase over 7 years)

Since 2009...it has now risen to over $1,200 a month for me, my wife and just one of our kids. (more than doubled since the beginning of ObamaCare)

Same EXACT insurance with the same company. (Blue Cross/Blue Shield)

The ONLY difference in my policy is that I (a man) am now insured for pregnancy (in case I become the first man ever to get pregnant).

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#44

02-17-2016, 12:07 PM

Originally posted by Robbie

And there you go...

Some of us own our own businesses and don't suck off the teats of "employers".

Why do you think wages are stagnant in this country -- health insurance took the employee's wage raise.

So you have the conundrum, if there was a taxpayer paid universal healthcare would employers share the wealth and raise wages, or would the workers get stiffed with a new tax bill and the shareholders get the windfall of no competitive employer paid healthcare benefits?

3rd party payer healthcare is a mess.
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#45

02-17-2016, 12:14 PM

I agree...it's fucked up big time.

In my humble opinion...what is needed is for the govt. to STOP allowing the healthcare industry (not insurance companies, but the actual big corporations that own hospitals and also Big Pharma) to price gouge the American people.

Bernie Sanders is right on the money when he talks about how we pay many times more for the same exact prescription medication as other countries do.

And hospitals overcharging? Fuck yeah they do. $50 for Dixie cup full of water? $10 for a Tylenol?

Obamapologists tried to say that those high prices were caused by NOT having something like ObamaCare and was because of all the people who skipped out on their emergency room bill.
Well...the costs have went UP dramatically instead of coming down.

It's a total ripoff that is facilitated by the lobbyists money from the big hospital corporations and Big Pharma.

In my humble opinion we need "no payer" solution. Prices should be where we don't need health insurance for everything.

What we need is for prices to be what they should be. So that people can and will pay out of pocket to go to the doctor (like I did my whole life, my parents did their whole life, my grandparents...and all the way back to the beginning of doctors).

We should all be paying less than $50 a month for CATASTROPHIC insurance (in case you get in a wreck or have a heart attack, etc.), instead of using insurance for every little doctor visit and visit to the pharmacy.

THAT is what should be happening.

Just turning on the Federal Govt. money spigot (when we are already 20 Trillion in debt) isn't going to solve anything.

The problem that needs to be solved is corruption and price gouging.

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#46

02-17-2016, 12:30 PM

Originally posted by Robbie

"The ObamaCare Employer Mandate / Employer Penalty, originally set to begin in 2014, was delayed until 2015 / 2016. ObamaCare’s “employer mandate” is a requirement that all businesses with 50 or more full-time equivalent employees (FTE) provide health insurance to at least 95% of their full-time employees and dependents up to age 26, or pay a fee by 2016."

If he were paying for his OWN insurance plan...he would be singing a much different tune.

1. Providing insurance does not mean they pay the whole bill. Most employer paid insurance plans pay about 80% of the premium and the employee pays the other 20% and then their deductibles and copays. Obamacare does not change that.

2. Whether it is mandated or not it is still part of the overall pay/benefits package. So whether it officially comes out of the employer's pocket or the employee's pocket, the employee is still paying for it whether they realize it or not. I have been an employee before for many years and always negotiated the entire package, Pay/insurance/vacation/401K/Profit sharing, going in the door. Sometimes I did good, sometimes not so much but insurance was always part of the deal.

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Robbie

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#47

02-17-2016, 12:33 PM

I will bow to your knowledge of that. As I have never been an employee of anyone and always ran my own business.

I still say that people who have to actually write a check to the insurance company each month as well as write a check to the Feds for taxes have a much better feel for what is going on than employees who never really see it or feel the pain of it.

-Robbie
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Wizzo

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#48

02-17-2016, 12:43 PM

The system is simply broken, it was broken before Obamacare and it's still broken after Obamacare. The only ones it works for is those who are poor and those companies that get billions of taxpayer dollars.

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crockett

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#49

02-17-2016, 12:46 PM

Originally posted by CyberSEO

$577 a month for one single male? Every month even if you don't actually receive an actual monthly medical treatment? Oh

Yes, and the same guy argues aginst a single payer system as all Republicans do.. because that's what the party propaganda tells them..

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TampaToker

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#50

02-17-2016, 12:57 PM

Uncle Sam barred from bargaining Medicare drug prices

"Since Congress approved the program, proposed by Bush, Democrats have groused that it was a huge giveaway for the pharmaceutical industry because it did not allow Medicare to negotiate drug prices. Obama vowed to change the program to allow Medicare negotiate lower prices. But he backed away from the pledge during negotiations over his health care reform bill, and no provision on negotiating drug prices was included in the bill that became law in 2010."

Uncle Sam barred from bargaining Medicare drug prices, Senate candidate Tammy Baldwin says, blaming rival Tommy Thompson | PolitiFact Wisconsin

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