Obamacare...can you figure out the math?

[darthtang aw]

At this time last year, there were less people uninsured than there are today, all do to the healthcare bill. Can anyone figure out the math on this? Lets see who is paying attention.....
remember the bill was to decrease the number of uninsured...

 

[aggiealum]

Quote:
Originally Posted by Darthtang AW http:///t/396916/obamacare-can-you-figure-out-the-math#post_3536410
At this time last year, there were less people uninsured than there are today, all do to the healthcare bill. Can anyone figure out the math on this? Lets see who is paying attention.....
remember the bill was to decrease the number of uninsured...
Not sure what you mean. Last numbers I read, over 2 million have signed up for Obamacare. The one's who still refuse to sign are those in the 20 - 30 year old range who are relatively healthy, an think they are invincible and incapable of getting sick or hurt that will require some form of health insurance to keep them from going into massive debt in the event they have a catastrophic health issue.

 

[flower]

There is so much confusion...My son told me he tried to sign up...it would cost him close to $400.00 a month for insurance, but he would have $6000.00 deductible. So he thought that meant he had to pay copays until the $6000.00 was used up before insurance kicks in. I found out that the $6000.00 would have been the deductible if he was in the actual hospital, once the bill went beyond $6000.00 (a few days stay) then the insurance would pick up the rest of the tab...also 0 deductible for doctors or ER visits.

There are many plans to select from, that was just one example of one of the plans, and how folks don't understand how the insurance works. My son freaked out and didn't sign up....now he has to start all over again, and the web site for signing is jammed up.

The government can't foot the bill for everyone. The hospitals and doctors end up charging extra to those of us who pay and have insurance, gouging the prices. I was in the hospital once...my insurance paid 100% but I got the detailed bill to look at...an aspirin for a headache I had from laying around cost $700.00 ... Plus it took them an hour to get it to me because they had to get it okayed by the doctor before they could give me anything not listed on my meds list. CRAZY!

I suppose the only real solution is for the government to take over healthcare altogether and everyone gets the same treatment...you know, like the communist countries. As for me and my house....No thanks.

 

[darthtang aw]

Not sure what you mean.  Last numbers I read, over 2 million have signed up for Obamacare.  The one's who still refuse to sign are those in the 20 - 30 year old range who are relatively healthy, an think they are invincible and incapable of getting sick or hurt that will require some form of health insurance to keep them from going into massive debt in the event they have a catastrophic health issue.
4.7 million received cancellation notices. If only 2 million signed up...that is a net loss of almost 3 million.

 

[2quills]

There is so much confusion...My son told me he tried to sign up...it would cost him close to $400.00 a month for insurance, but he would have $6000.00 deductible. So he thought that meant he had to pay copays until the $6000.00 was used up before insurance kicks in. I found out that the $6000.00 would have been the deductible if he was in the actual hospital, once the bill went beyond $6000.00 (a few days stay) then the insurance would pick up the rest of the tab...also 0 deductible for doctors or ER visits.
There are many plans to select from, that was just one example of one of the plans, and how folks don't understand how the insurance works. My son freaked out and didn't sign up....now he has to start all over again, and the web site for signing is jammed up.
The government can't foot the bill for everyone. The hospitals and doctors end up charging extra to those of us who pay and have insurance, gouging the prices. I was in the hospital once...my insurance paid 100% but I got the detailed bill to look at...an aspirin for a headache I had from laying around cost $700.00 ... Plus it took them an hour to get it to me because they had to get it okayed by the doctor before they could give me anything not listed on my meds list. CRAZY!
I suppose the only real solution is for the government to take over healthcare altogether and everyone gets the same treatment...you know, like the communist countries. As for me and my house....No thanks.
Sounds high to me, how old is your son? I'm going to be 38 this year. I have a major medical plan through humana that runs me about $270 a month. $1500 deductible and all of my co-pays, prescriptions etc. go towards my deductible. Worst case scenario if I get in a bad wreck I only have come up with the $1500 or less. Actually, not even that....
I also pay an extra $18 a month included in that $270 for accidental insurance. If fall of a ladder in my front yard or something and end up the emergency I get an automatic $5000, plus $500 for x-rays, plus $500 for the emergency room visit.
I've chosen not to opt for any subsities. Honestly, I can't even tell you if I qualify for any.

 

[flower]

Quote:
Originally Posted by 2Quills http:///t/396916/obamacare-can-you-figure-out-the-math#post_3536422
Sounds high to me, how old is your son? I'm going to be 38 this year. I have a major medical plan through humana that runs me about $270 a month. $1500 deductible and all of my co-pays, prescriptions etc. go towards my deductible. Worst case scenario if I get in a bad wreck I only have come up with the $1500 or less. Actually, not even that....
I also pay an extra $18 a month included in that $270 for accidental insurance. If fall of a ladder in my front yard or something and end up the emergency I get an automatic $5000, plus $500 for x-rays, plus $500 for the emergency room visit.
I've chosen not to opt for any subsities. Honestly, I can't even tell you if qualify for any.

Nick is 32...he was looking and came across that one, and freaked out. LOL...I don't think he looked much further, then he began to rant at the injustice of it all. Nick is ADHD real bad...

Anyway he still has to look for insurance and see what's out there, there are many different plans.

 

[2quills]

Nick is 32...he was looking and came across that one, and freaked out. LOL...I don't think he looked much further, then he began to rant at the injustice of it all. Nick is ADHD real bad...
Anyway he still has to look for insurance and see what's out there, there are many different plans.
I'd recommend speaking with an agent in your state. They're the ones that will help him find the better deals that people don't find online. Down here the Humana One plan is one of the better insurances to have. It will be different in your market.

 

[aggiealum]

Quote:
Originally Posted by Darthtang AW http:///t/396916/obamacare-can-you-figure-out-the-math#post_3536421
4.7 million received cancellation notices. If only 2 million signed up...that is a net loss of almost 3 million.
The system has only been in place for 4 months, with two of them unfortunately not allowing people to get on the system to even look at the plans. Whoever designed the site should be fired, and someone more competent should run the thing. With all the technological minds we have in this country, you'd think they could've had an IT department capable of designing a web site/database system to handle the load. Go get the guys that maintain Amazon, EBay, Twitter, or Facebook for heaven's sake.

We won't be able to gauge the benefits/negatives of Obamacare for more than a year from now, if not longer. Basing these assumptions of yours when the entire system hasn't even been fully implemented is ridiculous.

Is the system perfect? Absolutely not. However, it is at least SOME attempt at reeling in the ridiculous healthcare costs. It also needs to go beyond just providing a way for every American to obtain some form of healthcare. As Flower said, they also need to reel in the costs and prices they charge for medical services and drugs.

 

[darthtang aw]

We won't be able to gauge the benefits/negatives of Obamacare for more than a year from now, if not longer.  Basing these assumptions of yours when the entire system hasn't even been fully implemented is ridiculous.
A year from now, you can quote me on this, you will have more americans losing their insurance. As the business mandate kicks in, you will see some companies prefering to pay the tax penalties as those will be cheaper than the insurance premiums...

 

[2quills]

By taking the hand out my wife would have lost the benefit of seeing the doctor she really likes. And good ones aren't always easy to come by. I guess cheaper isn't in our future. I can only hope it goes to helping someone. Sorry it had to hurt so many others in the process.

 

[snakeblitz33]

I tried signing up. It would have cost me 650 a month. My wife's was 600 a month. $1250 a month with $6000 deductibles for both of us. Considering our monthly income of less than 2k, it's absolutely impossible for us to have health insurance while I am still going to college. Even then, that is a crap load of money for any 20 something year old couple to pay per month.

 

[2quills]

I tried signing up. It would have cost me 650 a month. My wife's was 600 a month. $1250 a month with $6000 deductibles for both of us. Considering our monthly income of less than 2k, it's absolutely impossible for us to have health insurance while I am still going to college. Even then, that is a crap load of money for any 20 something year old couple to pay per month.
Precisely, how can the young healthy majority possibly have any extra money to spend to help spur the economy when being faced with those costs or extra penalties? It's not hard to see where this is going.

 

[snakeblitz33]

I'll pay the penalty before I can afford the insurance. Though, I think it is unfair to have to pay for something that I don't want. I don't feel like my age bracket is being represented very well right now. Taxation without representation? Seems like people 250 years ago started a revolution over this concept.

 

[2quills]

I'll pay the penalty before I can afford the insurance. Though, I think it is unfair to have to pay for something that I don't want. I don't feel like my age bracket is being represented very well right now. Taxation without representation? Seems like people 250 years ago started a revolution over this concept.
Your age bracket is being made to look helpless without Uncle Sam's assistance. Silly of you youngsters spending your money on educations while you could be making regular trips to the doctor. I wonder how many of these insurance companies padded the pockets of politicians to get this one passed?

 

[flower]

I know there is a mess with all the forced insurance being shoved down the peoples throat...but on the flip side, the young "healthy" folks are gambling they won't get sick or injured, and need to be in the hospital. If it does happen...since they can't pay...the hospital charges crazy prices to those that do. I gotta tell you...a $700.00 aspirin is pretty darn hard to accept. Just like the $10.000.00 toilet seats, and $1000.00 cotter pins charged to the government... it's outrageous. Healthcare frankly doesn't cost what they say it does, it isn't the insurance companies...it's the greedy hospital, and the makers of fancy equipment.

When my grandbaby was born...There was a little plastic clear acrylic bed...it looked like one of those preformed baths sold at Walmart for $30.00...it was bolted to a cabinet on wheels. I could have made such a thing for under $200.00 and that's being generous. I asked the nurse about it...she said the hospital was charged $1600.00 each for them...now get this...my daughters insurance was charged $600.00 a day for it.... The hospital recharged the same $600.00 for every baby born that used it for the 3 day stay. That's quite a profit...they get to use it over and over and over again. It's the same with those annoying IV drips with an alarm...the patient pays for the gizmo, and the hospital recharges the next patient for the same gizmo.

 

[snakeblitz33]

I just don't think it is fair to charge people more for being in good health. Insurance is there when you need it, but statistically speaking, older generations are much, much more apt to use medical care than younger generations.

I agree that hospitals charge an arm and a leg for things that shouldn't cost an arm and a leg. I can't believe that insurance companies actually pay hospitals what they want. I recently went to the emergency room for a puncture wound. Just for a pain pill, iodine and an xray, I was charged $2450. I am still complaining about it on here, but that's the fact. Healthcare costs too dang much in this country for stuff that shouldn't cost hardly anything. Where to consumers and insurance companies draw the line?

My father has had two heart attacks. His last surgery costs right at $150,000. It really makes me wonder if that is necessary? My father said that he would rather die than to get medical assistance again...

 

[2quills]

The whole system is bloated, I agree. We definitely need some reform. Insurance is one of the biggest scams ever conceived by man for separating people from their money. Hospital and medical supplies cost so much because they know the companies will pay it and pass that off to consumers being forced to buy it. Just don't like how it's being approached with the shoe horn down the throat. I don't think it's wise.

 

[2quills]

I just don't think it is fair to charge people more for being in good health. Insurance is there when you need it, but statistically speaking, older generations are much, much more apt to use medical care than younger generations.
The idea is to get young people to put some money in and not actually use it much for the benefit of others. People such as yourself and your family will face costs so high that your only option is to take the assistance. In doing so you surrender all of your private information into the government's hands. They are trying to assimilate you, Seth. :laughing:

 

[snakeblitz33]

They know enough about me already. I''m in the system for Federal student aid. I have student loans, so the government already owns my a--.

 

[aggiealum]

Quote:
Originally Posted by SnakeBlitz33 http:///t/396916/obamacare-can-you-figure-out-the-math#post_3536453
I tried signing up. It would have cost me 650 a month. My wife's was 600 a month. $1250 a month with $6000 deductibles for both of us. Considering our monthly income of less than 2k, it's absolutely impossible for us to have health insurance while I am still going to college. Even then, that is a crap load of money for any 20 something year old couple to pay per month.
Sorry, I'm calling you out on this one.
Just out of curiosity, I went to healthcare.gov and I entered two people, total income of $30,000/year, living in Michigan, Branch Co. Here's just one of the plans available:

Blue Cross « Preferred Silver
HMO | Silver
Blue Care Network of Michigan
ApplyDetails
Monthly premium
$39/mo
2 enrollees
Premium before tax credit: $493/mo
Deductible
$900/yr
Family total
$450/yr
Per individual
Out-of-pocket Maximum
$2,900/yr
Family
$1,450/yr
Per individual
Copayments/Coinsurance:
Primary Doctor:$30 Copay before deductible
Specialist Doctor:$50 Copay after deductible
Generic Prescription:$4 Copay after deductible
ER Visit:$250 Copay after deductible and 10% Coinsurance after deductible


Where is this remotely $1250/month for two people? Granted, I have no clue where you live, but if your total annual income is around $24K, you get federal subsidy assistance.