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4EVRYOUNG Posts: 5,174
11/20/13 8:46 P

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I agree. Insurance is a nightmare but I'm so happy we have been able to afford coverage. Our premium is more than some people make in a month. That is outrageous.

"Affordable Healthcare?" Who will regulate the prices? The government? Do we let the free-market regulate itself? What would that look like? Would there be monthly specials? Would people in small towns with limited options have to pay more than those in a medical metropolis like Houston? Would those that have limited funds go to the cheapest provider then find out that they were receiving sub-standard care that may result in more complicated conditions or death?

The "free-market" system hasn't proven itself to be concerned with anything other than their own short-term bottom line. Screw the consumer then go bankrupt keeping all of our executive and shareholder billions.

Sure its survival of the fittest in the free-market system. But the collateral damage is the consumer.

Everyone wants affordable healthcare but no one, especially those rabidly opposed to the ACA have given us any real options.

I'm sure the people that can go to North Texas appreciate the Dr's plan but I don't see that working on a large scale basis.

And thank you Ally, my son is doing very well. He's a rock and is impressing everyone with his recovery.

Val

"If you always do what you've always done, you'll always get what you've always got!
ALLYINTEXAS's Photo ALLYINTEXAS Posts: 3,463
11/20/13 6:26 P

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Val, I don't understand your question.

I had not heard your son had an accident; I'm sorry and hope he's on the road to recovery.

***

I'll share again what I wrote below and have always stated.

"THIS IS THE SOLUTION I HAVE ALWAYS BELIEVED IN FOR EVERY AMERICAN (and truly ever person in the world)!!! Affordable care! Not affordable insurance! Insurance is an unnecessary middle man that drives the costs up and adds too much red tape!

See how this North Texas doctor is offering affordable care vs. insurance. Watch this video; it's a much better plan and MUCH less complicated that the one we've been given that is a snarled mess! It's affordable NOW; no need to sign on to a website for access.

www.wfaa.com/news/health/health-reform/H
ea
lth-Reform-226198871.html
"

Insurance is a nightmare, red-tape trap controlled by the greedy. Government mandated insurance can easily become a flusterduck! It's much simpler, and efficient, when people can simply afford the care they need! That's what I have always, and will always, remain an advocate for!




Edited by: ALLYINTEXAS at: 11/20/2013 (18:37)
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4EVRYOUNG Posts: 5,174
11/20/13 9:49 A

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I guess I'm not sure what you want. As an individual should I approve of only the things that are good for me or should I vote only for things that are in everyone else's best interest?

When I voted for Obama and ultimately the ACA I had no idea just how much the program would benefit my family. I'm not a mind reader but I am smart enough to no that it costs money to run and protect the country and it's citizens.

I was prepared to pay more to help others get the coverage everyone deserves. I preferred a single payer program like Veterans and seniors have but the ACA is a step in the right direction.

For the record, because of some parts of ACA I(or my family) haven't had to go into the healthcare exchange. I have been able to keep what I have. The insurance company notified us that even after my son's accident we will be allowed to keep our coverage. Considering the extent of my son's injuries and the complicated and expensive care BCBS is going to incur on behalf of my son it surprises me that "considering the reports" that he or we weren't one of those cancelled.

So Ally, which is it?

Val

"If you always do what you've always done, you'll always get what you've always got!
COACHPENNY's Photo COACHPENNY Posts: 10,392
11/20/13 1:05 A

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I have no problem agreeing that the the federal website needs a full-out fix. I also have no problem agreeing with Val's assessments because I have had much the same experience (minus son's injuries) The insurance companies have been raising rates all along. I've stated numerous times how we were priced out of BCBS of IL more than three years ago and the reasons.

I do have a problem with the blame game played by Republican lawmakers and conservative muckrakers. I can't help but wonder why our Republican legislators continue to moan and whine when they were given EVERY opportunity to participate in the preparation and passing of the legislation. Instead they closed ranks and hurrumpfed. Even after many of their own ideas were written into the law. Even after it passed they set up road blocks and did everything in their power to repeal the law. They did not and have not done ANYTHING to create a better law. In all the years prior, when they had the opportunity they didn't try to to pass similar legislation. Republicans were content to leave the status quo intact. After all....the system worked just fine...didn't it? No, they were more concerned that President Obama not have a legacy of fixing healthcare. They want failure.

Imperfect as this law may be, even with the website issues and the problem with people getting cancellation notices (both without question, should be fixed) this law holds the only possibility of the sweeping change that is needed to fix this broken system. Inaction and obstruction are the only thing I see from the Republicans. If it wasn't so sad, it would be laughable that Ally states..... "Meanwhile, people with serious medical conditions losing their insurance during this debacle are the ones that just may pay with their life". That's what was happening BEFORE the healthcare law was passed. People with serious medical conditions losing coverage is nothing new. The fact that insurance companies now have it in their power to let people keep their existing coverage at least in the short run, may not change the situation for all, but it should.

As it stands, there are signs of hope. The states and the District of Columbia that have formed their own insurance marketplaces and use their own websites have had much greater success enrolling people into new plans.

As reported in the Chicago Tribune and the LA Times on 11/19...........

"WASHINGTON Despite the disastrous rollout of the federal government's healthcare website, enrollment is surging in many states as tens of thousands of consumers sign up for insurance plans made available by President Obama's health law.

A number of states that use their own systems, including California, are on track to hit enrollment targets for 2014 because of a sharp increase in November, according to state officials.

"What we are seeing is incredible momentum," said Peter Lee, director of Covered California, the nation's largest state insurance marketplace, which accounted for a third of all enrollments nationally in October. California which enrolled about 31,000 people in health plans last month nearly doubled that in the first two weeks of this month.

Several other states, including Connecticut and Kentucky, are outpacing their enrollment estimates, even as states that depend on the federal website lag far behind. In Minnesota, enrollment in the second half of October ran at triple the rate of the first half, officials said. Washington state is also on track to easily exceed its October enrollment figure, officials said.

The growing enrollment in those states is a rare bit of good news for backers of the Affordable Care Act and suggests that the serious problems with the law's rollout may not be fatal, despite critics' renewed calls for repeal.

But the trend also emphasizes how widely experience with the new law varies by location.

Fourteen states and the District of Columbia, covering about one-third of the nation's population, are operating their own Obamacare marketplaces and have their own enrollment websites. The others, including most states with Republican-led governments, have declined to do so, making their residents dependent on the malfunctioning federal site."

www.latimes.com/nation/la-na-obamaca
re
-increase-20131119,0,6486939.story#aR>xzz2l9zfCl8s


Edited by: COACHPENNY at: 11/20/2013 (01:08)


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ALLYINTEXAS's Photo ALLYINTEXAS Posts: 3,463
11/19/13 9:55 P

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Okay, so it's a good program because nothing has changed for you? ;)

Remember how everyone feared the GOP would raise Medicare costs? Under the Dem leadership, my Mom's and all the seniors we know, saw their supplemental insurance skyrocket. Seems the Dems used misplaced fear-mongering during the election.

The 1 million Californians are losing their insurance as a direct result of ACA. See the CBS news link below in a previous post.

"Obama admin. knew millions could not keep their health insurance"
investigations.nbcnews.com/_n
ews/2013/
10/28/21213547-obama-admin-kn
ew-mi
llions-could-not-keep-their-healt
h
-insurance


The healthcare website is a flusterduck. They didn't do due diligence in preparation for the rollout of ACA. The firm they hired has a history of problems. Meanwhile, people with serious medical conditions losing their insurance during this debacle are the ones that just may pay with their life.





Edited by: ALLYINTEXAS at: 11/19/2013 (21:56)
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4EVRYOUNG Posts: 5,174
11/19/13 7:27 P

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This is actually the first notice I rec'd that this thread had any action.

On another talking about ACA I think my words were "nothing's changed."

Insurance cos have been raising and cancelling policy-holders for many years. This is nothing new and can't be fully blamed on ACA.

5-20 million? Wow a lot of room for error, huh?

Val

"If you always do what you've always done, you'll always get what you've always got!
ALLYINTEXAS's Photo ALLYINTEXAS Posts: 3,463
11/19/13 3:23 P

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Definitely crickets chirping here in this thread ... loudly.

emoticon emoticon emoticon emoticon emoticon


Edited by: ALLYINTEXAS at: 11/19/2013 (15:48)
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ALLYINTEXAS's Photo ALLYINTEXAS Posts: 3,463
11/13/13 10:56 P

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Regarding Pop's comments ...

"No one wanted to listen that the bill was screwy from the start. Opposition meant you were a racist bigot with no feelings for the 20 million people who weren't covered by health insurance.

I remember comments that some people were fine with paying a little more, if it would ever possibly happen, for healthcare so that everyone could afford health care."


"I hate it that so many people are being hurt by this boondoggle bill. Now the fuse has been lit and even more people will die."


"The stories from people who are at a critical stage in their healthcare are heart-wrenching."


"I pray that none of you are directly, or indirectly, impacted by what is now going on. I'm not kidding or BS'ing when I say that I am praying for everyone who is being affected by this disaster."


Amen to all of the above, Pop! I agree with you on each of those points.

I find this "Opposition meant you were a racist bigot with no feelings for the 20 million people who weren't covered by health insurance." to be so true and such an offensive, irrational line of argument! Yet that's the only thing people had to fall back on.


Crazy thing is it's like I mentioned in the earlier debates. FedEx and UPS (private businesses) do circles around the suffering USPS. Facebook has a reported "1,110,000,000" monthly users. But the gov cannot build a website/server for the new program that can handle the volume. But yet, Google, Youtube, Yahoo, Amazon, LinkedIn, Wikipedia, eBay, Twitter, Craigslist, and Pinterest can handle their huge volumes of daily users. How many people will die without insurance while the gov tries to sort out the debacle they created?!

www.statisticbrain.com/facebo
ok-statis
tics/

www.alexa.com/topsites/countr
ies/US


I'm not gloating. It's heartbreaking that so many people bought into the lie and are now suffering while others attempted to tear down people's character because they disagreed with the actual program. Very sad.

ETA ....
"The only thing that's happened to me ,medical costs wise, in the last month is that I got my bill for my medicare supplemental insurance and it has gone up over $200 per year ..just for me. Hubby's will too. I go to the doctor about once a year..for my blood work and physical and prescription renewal. I have supplemental to cover catastrophic costs over and above what medicare will pay. should I ever have any. Pretty steep for a physical at this rate of exchange! I doubt it will help medicare patients at all from the way it looks..."

My Mom's did too, Bridie. So many seniors I know now must drop their supplemental insurance because they can NOT afford it anymore. Remember how everyone thought the GOP was going to hurt the Seniors' Medicare? They didn't!




Edited by: ALLYINTEXAS at: 11/13/2013 (23:00)
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POPEYETHETURTLE's Photo POPEYETHETURTLE SparkPoints: (408)
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11/13/13 4:52 P

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And now, going back to the earlier blog comments, have you or any of your friends had your premiums double - or be cancelled?

The whistle of the Pressure Cooker can be heard loudly now. Estimates of 5-20 million people getting notices of cancellations. Untold numbers of people who's insurance premiums have doubled - or more.

No one wanted to listen that the bill was screwy from the start. Opposition meant you were a racist bigot with no feelings for the 20 million people who weren't covered by health insurance.

I remember comments that some people were fine with paying a little more, if it would ever possibly happen, for healthcare so that everyone could afford health care.

Now we have the original 20 million who couldn't afford healthcare and another 20 million that are having their healthcare insurance premiums double to the point where THEY can no longer afford healthcare. The Law of unintended Consequences will now put the uninsured at 40 million plus.

I pled simply, "Read the bill". I implored, "Read the bill". I railed, "READ THE BILL". Anyone with a shred of common sense could have read the bill and seen the financial explosion that was designed into the plan.

Now, even Diane Feinstien sees the need to stop this horse until the bugs can be worked out. She's not even up for re-election next year, but I think the writing on the wall has started to concern her. 20 million votes (+/-) in a National Election could put the Democrat Party against the wall with significant casualties. Wile she is arguably the second or third most powerful senator behind Harry Reid, I don't know if even her political weight stopping the implementation of this bill will work. The Administration seems hell-bent on getting this whole thing done before 2016, regardless of who it hurts.

Liberal Democrats are being forced by reality to sound like conservative Republicans because they see their jobs in jeopardy.

I hate it that so many people are being hurt by this boondoggle bill. Now the fuse has been lit and even more people will die. Do you think their families and friends are going to feel friendly to their local Democrat officials? I don't.

I think that even some so-called Republicans will suffer in the fall out and need to look for a new job. The RINO's that supported the so-called ACA will also be backing, weaving and ducking, trying to use the "What I meant was ....." line of political BS.

The stories from people who are at a critical stage in their healthcare are heart-wrenching.

Young people are staying away from the ACA in droves, eliminating their premiums as one source for paying for the ACA.

Computers fixed by the end of November as promised by dear leader? Their own experts are now saying "six months, plus".

After my initial gloating about this catastrophe for Democrats, I am now feeling very sorry for the people who are being negatively (and it looks, in many cases, it might be critically) affected by this debacle.

My oldest son and family are being adversely affected by this whole clusterbuck. His employer will continue to pick up a portion of the premiums for employee health car, but not for family healthcare. They can only continue to get health care for my DIL and my two grandchildren if they pay the new, whole premium - all of it, for the added coverage for families. An increase in premium of $600 a month.They flat can't afford it. If necessary, Mom and Dad will start dispensing what would have been their inheritance in $600 a month increments. - the same goes for our youngest son and our oldest granddaughter.

The real irony here? My oldest son is the head of Corporate Training for a company that actually manages healthcare plans for small to medium sized companies.

I pray that none of you are directly, or indirectly, impacted by what is now going on. I'm not kidding or BS'ing when I say that I am praying for everyone who is being affected by this disaster.

Agape,

Bob

"A government big enough to give everything you want is also big enough to take everything you have."
-Ronald Reagan

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ALLYINTEXAS's Photo ALLYINTEXAS Posts: 3,463
11/13/13 1:07 P

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I know this thread was started a couple months ago, but the news here is constantly filled with the millions of people losing their health care coverage across the country. I'm seeing my friends post that they can no longer afford their insurance and it's cheaper to go without and pay the fine.

Here are news reports about it ...

It's people like this woman in Stage 4 cancer, who has just received notice her insurance is being canceled, that may pay for this debacle with their life!
www.wfaa.com/news/health/heal
th-reform
/Cancelled-Policies-231199221
.html


The Obamacare Exchange Scorecard: Around 100,000 Enrollees And Five Million Cancellations
www.forbes.com/sites/theapothecary/2
01
3/11/12/the-obamacare-exchange-scoreR>card-around-100000-enrollees-and-fiv
e-
million-cancellations/


Calif. Insurance Commissioner: More Than 1M Californians Having Insurance Cancelled Due To ACA
sacramento.cbslocal.com/2013/11/12/c
al
if-insurance-commissioner-more-than-R>1m-californians-having-insurance-can
ce
lled-due-to-obamacare/


I know any new program takes time to get the kinks worked out; but I also believe that the website debacle is a sign of what's to come when you get gov involved.

And this was on the news last night; say what you may about activists trying to expose, but they didn't put the words in the mouths of the workers ...

"The Urban League employee, later identified by the Urban League as a part-time receptionist, replies, "You lie because your premiums will be higher" Her co-worker adds: "Don't tell them that, don't tell them that."

The receptionist then volunteers this information: "I always lie on mine."

The Urban League announced Tuesday night it had fired the receptionist who told the enrollee to lie."

www.wfaa.com/news/local/Conservative
-a
ctivist-group-releases-undercover-viR>deo-of-Dallas-workers-encouraging-he
al
th-care-enrollee-to-lie-231680141.html


ALL THAT SAID ... THIS IS THE SOLUTION I HAVE ALWAYS BELIEVED IN FOR EVERY AMERICAN (and truly ever person in the world)!!! Affordable care! Not affordable insurance! Insurance is an unnecessary middle man that drives the costs up and adds to much red tape!

See how this North Texas doctor is offering affordable care vs. insurance. Watch this video; it's a much better plan and MUCH less complicated that the one we've been given that is a snarled mess! It's affordable NOW; no need to sign on to a website for access.

www.wfaa.com/news/health/health-refo
rm
/Health-Reform-226198871.html




*** SAVE A LIFE! ADOPT A RESCUE/SHELTER DOG OR CAT***

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SHIRLEY721's Photo SHIRLEY721 SparkPoints: (0)
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9/25/13 4:25 P

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I do know a grocer who is not connected to the big chain but does have a great grocery with lots of extras and comerative rices.He did say he was not going to furnish his emloyees insurance after Jan.as they could get it more economically elsewhere with Obama Care.Whether his workers like it better that way I've no idea.By the way I ruined some of my uter last week with Windex.On my



keyboard the letter between o and a no longer works.Also no nos.after 3.Don't use Windex to clean yours with.My selling is bad but not this bad.LOL Middle class emloyers don't seem to like Obama Care.I do think even though I worked in the medical field for thirty five years that most docs not all have a goal of becoming millionaires.Their is nothing in the oaths docs and nurses take regards becoming wealthy.Assisting the ill and injured is our goal or rather should be.With a few it is.Insurance agencies of course like lots of money.

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MYREALANA's Photo MYREALANA SparkPoints: (0)
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9/25/13 10:15 A

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My son can stay on my health insurance even though he is only a part time student. He isn't ready yet to take on a full load of courses, but he also can't hold a full time job while maintaining his grades in the 10 credit hours he is taking now.

Now, this would have been true even before the ACA, becuase he's only 18, right now, but he would have previously aged out of my coverage this February if he didn't become a full time student - something he's not yet ready to do.

Without insurance, there would be no way he could afford the basic care he needs just to function. On a part-time, minimum wage salary, without insurance, his medications alone cost half his take-home pay, What would he be expected to pay for rent and food with? And without the meds, he wouldn't be able to hold down that part time job.

As for our expenses - our health insurance and medical costs have increased expoentially in the last twenty years - starting long before anyone had even HEARD of Barack Obama. I don't see them going down any time soon, but I also don't see them going up any faster than they did without the ACA.

Edited by: MYREALANA at: 9/25/2013 (10:21)
--Myrea

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CD839573 Posts: 3,285
9/24/13 8:16 P

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Some of the changes have been good for me so far. Over the past year, I've saved over $1000 in costs that previously would have been paid for out of pocket. I don't know if it's a direct result, but at my old job, our health insurance premiums were being reduced and at my new job our premiums are going down again for next year.

FORESTPAL's Photo FORESTPAL Posts: 1,395
9/24/13 8:02 P

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Obamacare naysayers say people can get the care they need without it. Just talked to my home helper, who related that she had had vaginal/uterus fissures that bled all the time in various amounts. During the worst times she would go to emergency room, get care, and be told to get a hysterectomy. It took her 4 years to save enough money for surgery, being anaemic & getting emergency care. She didn't qualify for Medicaid (Texas).

Now she's saving for dental care, and having physical problems from their side effects. She already saved & had upper teeth out ($5,000), and now has saved enough to get the bottom teeth out. I don't know if Obamacare would cover that. She has a bad speech impediment that doubtless has kept her from getting a good job.

Patsy; Livingston TX, Central time zone: Rookie; Spark start weight 235; Paleo start 197


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4EVRYOUNG Posts: 5,174
9/24/13 5:16 P

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The reason I posed this question is that I'm constantly hearing how bad Obama care is for America. The only problem is I haven't heard the same people show or tell me how it has negatively affected their lives.

I think the majority of these people are complaining because it's what they do. That and it's the same people that accuse Obama of being a socialist, Muslim Kenyan.

I remember now why I don't listen to their opinions.

Val

"If you always do what you've always done, you'll always get what you've always got!
BRIDIE5 Posts: 8,121
9/24/13 3:29 P

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That's also nonsense, as well as being barbaric..

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SHIRLEY721's Photo SHIRLEY721 SparkPoints: (0)
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9/24/13 10:56 A

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As I said yesterday I have no change in charges so far.I will just wait and see.If I change anything I'll do it in Dec.Bridie is right about one thing the insurance co.and medical facilities are making hay while the sun shines.Will they lose money I doubt it.I have heard some weird things like unless I can take care of it myself if I break a bone etc.because of my age I'll be denied care.I don't think so.That would be barbaric. emoticon

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BRIDIE5 Posts: 8,121
9/24/13 10:33 A

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It was our private provider of medicare supplemental insurance who upped our charges significantly. My guess is they are making hay while the sun shines. I am dropping them. Our actual income for two people is under $50,000 annually, the same as many retired couples. We live in a high cost city, and we like to eat and pay for our shelter and necessities. Can't do both..I wanted universal health care. As long as big pharma and the Insurance companies are in the driver's seat and corporations are people, our healthcare will suffer. It's about profits, no people. there have been improvements from Obama care..just not universal enough.

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CD833620 Posts: 42,077
9/24/13 9:25 A

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Val, Like you I though that Obamacre did not go far enough, but it is a start. I rarely go to a Doctor other than for my annual exams (which are not due till november), but so far I haven't seen one single change regarding my health insurance. If that changes, I will let you know.

4EVRYOUNG Posts: 5,174
9/23/13 9:49 P

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Here's a report on the effects of Obamacare on Medicare recipients and the mistaken perceptions of the plan.

obamacarefacts.com/obamacare-medicar
e.
php


I couldn't find anything about the increases in supplemental rates. I thought they were like any private pay plans with the increases in premiums being raised at the discretion of the insurance companies.

Val

"If you always do what you've always done, you'll always get what you've always got!
BRIDIE5 Posts: 8,121
9/23/13 9:02 P

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The only thing that's happened to me ,medical costs wise, in the last month is that I got my bill for my medicare supplemental insurance and it has gone up over $200 per year ..just for me. Hubby's will too. I go to the doctor about once a year..for my blood work and physical and prescription renewal. I have supplemental to cover catastrophic costs over and above what medicare will pay. should I ever have any. Pretty steep for a physical at this rate of exchange! I doubt it will help medicare patients at all from the way it looks...

Edited by: BRIDIE5 at: 9/23/2013 (21:04)
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FORESTPAL's Photo FORESTPAL Posts: 1,395
9/23/13 8:57 P

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I'm in medicare advantage. I thought Obamacare would raise my cost, and drop some of my benefits. So far, I no longer have a copay for Dr. visits, and they keep reminding my MD of exams or etc that it's time for, so it's all good.

Patsy; Livingston TX, Central time zone: Rookie; Spark start weight 235; Paleo start 197


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SHIRLEY721's Photo SHIRLEY721 SparkPoints: (0)
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9/23/13 12:08 P

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Since I'm older than anyone else here and already have Medicare I doubt it changes anything else.I already have a secondary healthcare in FL.Otimum if I return to IN.ermanently I'll return to IN.healthcare.It will however make a big diffirence for my youngest granddaughter who has eilesey.She'll be able to get Healthcare coverage for the first time.I messed u my uter by cleaning it with windex.Guess which letter is messed u.It is between o and a on your keyboard.The one letter and most of the nos.was all.NEVER use Windex on your screen to clean it.Will be sometime before I can get a new one.Obamacare looks good for the young to me. emoticon

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4EVRYOUNG Posts: 5,174
9/23/13 9:31 A

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With the House's 42nd attempt to block funding of the Affordable Health Care Act and the continuing uproar from Conservatives I'm wondering just exactly how it's inactment has affected your life. Your medical care, your taxes, your employment, etc.

I keep hearing people complain about it but I haven't seen proof that it has actually hurt them, it only seems to affect them on "principle."

I'll go first.

I've always supported Universal Healthcare. So when "Obamacare" passed I was both happy and disappointed. I believe it was a step in the right direction but didn't go far enough. Until recently the changes it made were important but seemingly minor.

1. It extended the insurance coverage I paid for for my youngest son until he turned 26.

2. It did not increase our premiums any more than it had each year that I have continued to carry this plan.

3. It refunded me as much as one month's premium because my insurer did not pay out proportionately to what it took in and it paid out for administration costs and investors.

4. The insurance company could not deny my son(heart condition) his own individual policy once he'd aged out of our family coverage based on his pre-existing condition. His rate was reasonable and comparable to the amount we paid on his behalf.

Recently Obamacare has proven itself even better than I originally thought it would be.

After my son's accident,

5. The insurance company didn't try to dump him by looking for any undisclosed conditions that would invalidate his coverage.

6. After almost a $1 million in claims my son can not max out his coverage at age 28. He will continue to be covered even after his recovery.

7. Because of Obamacare and the insurance premiums we've paid religiously for over 30 yrs our insurance company will pay claims and the tax payer will not have to absorb my son's medical expenses.

That's our experience, what's yours? What's changed for you?

*ET remove repetition.

Edited by: 4EVRYOUNG at: 9/23/2013 (09:33)
Val

"If you always do what you've always done, you'll always get what you've always got!
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