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OK, So Let's Talk Repeal and Replace

35 comments, 575 views, posted 12:50 pm 10/11/2016 in Rantings & Flame Bait by LordViscera
LordViscera has 16231 posts, 2131 threads, 213 points, location: 1123 6536 5321
Jarl of Glencoe

Much to the chagrin of my friend Q, I have been more and more coming to the conclusion that I think that there are some things in life that shouldn't be dependent on income and availability to resources. I think reasonable housing, food and medical care are basics that our society should decide to insure that everyone gets. In that spirit, I have finally come to the acknowledgement that a single payer system should be the direction that the Trump administrations goes with the whole repeal and replace.

I think that modeling Canada's system would work, I'm not familiar with Britain's but I like the dea of

Quote:
Healthcare in Canada is delivered through a publicly funded healthcare system, which is mostly free at the point of use and has most services provided by private entities.[7] It is guided by the provisions of the Canada Health Act of 1984.[8] The government assures the quality of care through federal standards. The government does not participate in day-to-day care or collect any information about an individual's health, which remains confidential between a person and his or her physician.

Thanks for being patient while the issue percolated in my mind. But as to the abomination that is Obamacare, my wife's premiums will go up to almost $400.00 a month and she'll have a $3000 deductible on prescriptions, so we will pay $7800.00 before getting one dollar of a benefit. So I'm looking forward to anything really that replaces it

Extra Points Given by:

marksyzm (10), thecrookedman (10), Edorph (10), Flee (5), bytehead (5), backroom (10), Vormid (5)

Comments

1
12:18 pm 12/11/2016

backroom

Some seem to forget that AHA did not change much if you already had existing coverage that meets minimum standards.

I think that is the key here.

Quote by backroom:
There has to be a reason, or error, that is effecting her cost.


Quote by backroom:
How much is the premium related tax credit expected to go up as an offset?


But there has been difficulty collecting information.

Sorry V, but in my experience that usually means that the facts do not support the claim.

1
12:31 pm 12/11/2016

backroom

Quote by LordViscera:
the fact that the insurance we had was no longer acceptable under Obama/Romneycare.


Is that V-speak for "did not meet minimum requirements"?

Quote by LordViscera:
She doesn't qualify for MA health even though she makes less then $30K a year.


Why? What was the reason given?

Quote by LordViscera:
we now have to pay $7800.00 before 1 penny of benefit is able


Quote by LordViscera:
that is the least expensive plan that is available to us


Cheapest is high deductible.

Least expensive may not be the best option for those who make regular office visits and have a list of prescriptions.
It is not just common sense, but clearly stated on any insurance website while doing the research.

As open enrollment is here now...
I suggest you explore the low deductible options and pay a couple extra bucks each week.
Compare that extra weekly expense to the deductible that you know you will pay.

0
4:11 pm 12/11/2016

LordViscera

Quote by Weedenski:
People seem to forget. Health care premiums were skyrocketing PRIOR to Obamacare. This isn't new.


well anecdotally I can say that wasn't the case where I worked and what premiums I had. I pay almost as much presently for a single person then I did for a family of three

1
4:30 pm 12/11/2016

LordViscera

Quote:
the fact that the insurance we had was no longer acceptable under Obama/Romneycare.


Quote:
Is that V-speak for "did not meet minimum requirements"?

See this is when you get me annoyed. This isin't "V-Speak" for anything. I had insurance, the state insisted that I had to change my insurance (told that wasn't going to happen) and that the new insurance was 1)more expensive and 2) less beneficial. Why do you keep arguing these theoretical points when you obviously aren't familiar with how it works, in MA anyways. The info you shared about your insurance I don't try and spin as BR-BS, I take it that you are being accurate about your situation. I was told that (in computer terms) I had to upgrade my OS and that the performance would be better. The "new computer" is a slow pig that costs me 300% more in premiums then the old OS did. Why in the world would I be dissatisfied? Oh yeah and if I decided that I wasn't going to play along, I get penalized. Sounds like a crap deal to me. But here I am coming to your side and you STILL stand on your soap box and tell me that somehow I don't see the benefit and can't fathom the good this is doing. The country doesn't agree with you apparently.

0
4:37 pm 12/11/2016

LordViscera

Quote:
She doesn't qualify for MA health even though she makes less then $30K a year.
Why? What was the reason given?

She is in the wrong income bracket. In MA the whole household is taken into account. So....the fact my son and I live here but have our own insurances doesn't help it actually hurts. So for my wife to qualify for the messiah's help, we would have to 1) lie about our living arrangement or 2) separate. She was TOLD THAT by the person at the local "healthcare exchange help desk" So tell me agian who this law is meant to help? You know the one that Dems had to pass to see what was in it? The one that thought the united states citizenry was too stupid to understand it and to go along with it.


1
5:09 pm 12/11/2016

LordViscera

Quote by backroom:
Quote by LordViscera:
we now have to pay $7800.00 before 1 penny of benefit is able

Quote by LordViscera:
that is the least expensive plan that is available to us

Cheapest is high deductible.
Least expensive may not be the best option for those who make regular office visits and have a list of prescriptions.
It is not just common sense, but clearly stated on any insurance website while doing the research.
As open enrollment is here now...
I suggest you explore the low deductible options and pay a couple extra bucks each week.
Compare that extra weekly expense to the deductible that you know you will pay.


So I did what you suggested, and with no deductible, it comes out to $546.00 a month, so it is still $6500.00+ for a single person (married but one person covered). And that has an Out of Pocket max of $2K. So........ she is still looking at paying $8500.00 a year for her insurance, $6500.00 guaranteed and possibly 2K more. Do you have $600.00 extra lying around the house to spend monthly? Bottom line before this president we had insurance that paid for our catastrophic costs, and we had reasonable co-pays and a prescription plan. The whole premise was to make sure that those who did nothing but go to the emergency room when they got sick, and then didn't pay had to take part in the process to bring down costs. I wasn't in that group. But now....I am. We prolly won't be taking part in this because....wait for it....it's less expensive for me to say f*%k the system and do that then to cooperate. We can go to my wife's Drs who don't agree with this crap and get sample. We'll have to do that, but it will save us abput $4500.00/year Oh wait that's right, HE LOST and we'll see what is put in place instead. If they just take the mandate away, I win

1
5:14 pm 12/11/2016

LordViscera

and to take the mid road, monthly coverage with 1000.00 deductible comes out to $475.00 a month so the first three months we are in the year, we would pay $775.00 month (475 premium and 300 prescripts if she only needed her 1 asthma med btw) Can you pay that???? And as a low income family that this was supposed to help??? We made less then 65K gross income last year (that doesn't take into account that only 1/2 of my income is actually treated as taxable income our actual agi was 32K) Nothing about this is fair or just. I fall into the "well you aren't the marriage/gender/racial component we are trying to help" because God forbid they aren't going on income level

1
12:34 am 14/11/2016

Quaektem

Why do keep trying LV? After all, backroom has all the answers and we just need to accept that you are lying or inept at figuring out the system regardless of the fact you and I have had eight years more practice dealing with this shit.

My six member family (and I still get to count the ex while ignoring her income) has decent insurance somehow with an $89 a month premium... going up to $179 next year... and some pretty decent copays. I am the flip side and still think, based on people like you, that something is wrong. I was paying $120 a month four years ago for a very convoluted system (I can explain but it was pretty messed up) that was OK. Prior to that, I bought my own. $80 a month, $3 prescriptions $10 doctor's visits. Because of the size of my family I have fared better than most... but I see that most are suffering and if it makes me pay more, I would do so to make things fair for everyone.

0
12:50 am 14/11/2016

LordViscera

Same thing as before. Not a fan of being told I have to pay so others can benefit, but I take it up the tail pipe in regards to benefits. Just let us opt out of the mandate, and all is good

2
7:01 am 14/11/2016

marksyzm

I don't know how anyone can think there can be a health care without a mandate that then doesn't push people out of the system. I'm intrigued... But I also didn't see how just that is enough to bring down costs either. The only thing I think will definitely bring it down for sure is a standard bearer public option, regardless of mandate.

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