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Topic:
How's the "Affordable Healthcare" going for everyone?
This thread has 260 replies. Displaying posts 181 through 195.
Post 181 made on Friday October 11, 2013 at 16:20
Mr. Stanley
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Screw it, I'm moving to Brazil!

Not that their corrupt government is any better!
"If it keeps up, man will atrophy all his limbs but the push-button finger."
Frank Lloyd Wright
Post 182 made on Friday October 11, 2013 at 17:22
Trunk-Slammer -Supreme
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Had they hired the people that set up, and run, porn websites, there would be NO problems at all.


Porn sites NEVER crash.



So I'm told....;-)
Post 183 made on Friday October 11, 2013 at 17:40
Fins
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On October 11, 2013 at 17:22, Trunk-Slammer -Supreme said...
Had they hired the people that set up, and run, porn websites, there would be NO problems at all.

Porn sites NEVER crash.

So I'm told....;-)

Never mind that your laptop has the computer version of aids
Civil War reenactment is LARPing for people with no imagination.

Post 184 made on Friday October 11, 2013 at 17:43
Fins
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On October 11, 2013 at 15:34, Audible Solutions said...
You can spin this every way you want but it is still an embarassment that these sites are as badly done as they are. They will be fixed by the fact remains that this is not a minor issue. These sites essentially do not function so the deadline for completion was missed. Even by AIA definition of substantial completion this fails. There are worse failures but first impressions do matter, particularly with a plan as controversial as this one. It should have been tested prior to release and it was not. Imagine how much worse the press would be had Republicans not given them a pass with the government shut down by having all eyes focus on that fiasco rather than the web site failure.

Are we in agreement on something?
Civil War reenactment is LARPing for people with no imagination.

Post 185 made on Friday October 11, 2013 at 22:00
BigPapa
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Get a room, jeez. 
Post 186 made on Wednesday October 16, 2013 at 13:11
bcf1963
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So, my thoughts on the Affordable Care Act, ACA, have always been that we needed to legislate that all individuals have health insurance here in the US, but that the law as written has lots of problems... including saddling employers with even more costs and administrative fees than before. I've taken a bit of a wait and see attitude, but my beliefs are being borne out...

On October 2, 2013 at 02:12, bcf1963 said...
The thought process behind Obamacare, is that because everyone will be covered, the total cost of health care should decline. Previously those of us with health care were paying through inflated procedure costs to cover those without care.

The problem, is that this system is as clear as the Tax Code, and will be poorly administrated, just like every other government program. It will be rife with abuse and waste. This will then result in us paying more than we do today.

This isn't lost on the private insurers. This is part of why premiums are rising. The doctors are also in a state of panic, as they see costs will start being dictated to them, and more "management" of patient treatment will result in higher costs, and they are raising prices in anticipation. It's just like big oil. It takes years for prices of gas to decline, but a refinery goes off line, and prices jump overnight, long before there is any shortage in supply.

Even if you believe this will work, it is going to get more expensive, before it gets better.

So today my workplace announced the changes for this year. I've been dreading this day, as I've been expecting increases.

So, the news is:

"There is a 6% increase in plan cost this year, which includes a 1.25% increase from fees associated with the Affordable Care Act. This means your paycheck deductions will increase by 6%, except for those with the High Deductible Health Plan. Those with the HDHP will see an increase in their deductible amount. We understand that cost increases are not ideal. This cost increase is at the low end of market forecasts of 6-9%. Even with these increases, the total out-of-pocket cost each year for the average employee compares very favorably to the average annual cost paid by employees at other leading U.S. companies. The average ?? employee pays about $3,000 a year in total costs compared to $4,500 paid by employees at other companies*.(*18th Annual Towers Watson/National Business Group on Health: 2012 “Employer Survey on Purchasing Value in Health Care.”)"

This is a huge corporation, with over 100,000 employees. They've provided great healthcare for their employees for years, and they are getting forced to pay a bunch of stupid ACA fees, even though their coverage is basically self insured, and the company simply pays to have the plan managed and run. Note that in addition to the fees associated with ACA, there is a sizeable increase. This is due to a run-up in costs, as I've seen myself that doctors and hospitals have increased their rates over the last year, because they know how the ACA works. It charges based on average rates in an area, so the doctors have all decided to raise rates due to fear of red tape and bureaucracy.

So, the first portion of my fears have been ratified. In the very least, in the short term, our medical costs have gone up. So my fear that things will get worse before any possibly of improvement, seems correct.

On the administration front, the websites have shown how well we are likely to expect this to get run. It seems the majority of the sites were simply not well tested, and are broken on day one. Second fear is well on it's way to being proven correct.

If this all results in things getting better for the majority in the long run, that is great. But this isn't what I expect. I expect this to be poorly handled more than it is well handled.

As an example, I've recently been dealing with the IRS. One of our other "beloved" federal offices, that has no clue. I've been audited twice. The first time the auditor had no clue. There was clear documentation that the gain was a long term gain, and yet they audited me, and caused me to run off and prove items they had no evidence were incorrect. Yes, with the IRS it is guilty until you prove yourself innocent.

This time, it was around some employee purchase plan stock. This allows me to buy stock by having money withheld from my paycheck, at a discount. The discount is to be taxed at my income rate, while any other gains are to be taxed as either long or short term gains, depending on the length of time the stock is held. Yet the IRS doesn't seem to understand their own rules, and wanted to tax me at the income rate for all the gains. After educating the auditor on the IRS's rules, they calculated, and insisted on dropping some decimal places, and rounding, which in the end resulted in rounding a result up, so I ended up paying an extra dollar! My tax guy sat there and laughed at the auditor, slapped a buck on the table, and asked if we were done, as it wasn't even worth his time to educate the guy further. The auditor was then furious, and insisted we stay so he could look at other issues, while my CPA told him that we are only required by law to discuss the items disclosed before the meeting, and if he wants to discuss something else, to please give us another audit notice. LOL

Unfortunately this is the kind of issue I expect going forward with the ACA. The ride is about to begin. Hold on tight... It's gonna be bumpy!
Post 187 made on Wednesday October 16, 2013 at 13:30
rmalbers
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On October 11, 2013 at 00:34, Mac Burks (39) said...
Last week i went to the site. Filled everything out and was asked to prove my identity so i uploaded a scan of my drivers license. Haven't heard from anyone. Each time i login i get to that same point.

What i don't get about this is why i have to go through all this just to get rates. I should be able to enter my name/state/age and get access to rates. Once i have my good better best rate options i should be able to

A. close the window because i was just curious and not ready to pull the trigger anyway.

B. select an option and finalize the "deal"...and THEN prove who i am. It's like i am being asked to show ID before i walk into the grocery store instead of on the way out.

This way...if there is a problem with proving identity or finalizing i don't go away empty handed. At least i would know what to expect in terms of cost.

I haven't read this whole thread so I hope I'm not repeating info but I saw something on why they 'said' they designed it 'backwards', the site design also seemed strange to me: They were worried that if they gave the insurance prices, without getting income information, the prices would scare people off and they would not sign up. It sounded like, they expected a lot of people using the site to get 'subsidized' rates so they wanted income info so they could show the person their subsidized/real insurance rate, instead of a 'generic' insurance rate so they wouldn't be scared off and not sign up.
(They said this on some morning news cable tv station on Tuesday morning.)
Obviously, this is a stupid and lame but that's what they said. I'm not sure what the income limits are but they could just ask if your income is over a certain limit and if it is then give you the generic prices but anyway, it's a government run program so you know what that means.

Last edited by rmalbers on October 16, 2013 13:39.
Post 188 made on Wednesday October 16, 2013 at 15:48
Mac Burks (39)
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On October 16, 2013 at 13:30, rmalbers said...
I haven't read this whole thread so I hope I'm not repeating info but I saw something on why they 'said' they designed it 'backwards', the site design also seemed strange to me: They were worried that if they gave the insurance prices, without getting income information, the prices would scare people off and they would not sign up. It sounded like, they expected a lot of people using the site to get 'subsidized' rates so they wanted income info so they could show the person their subsidized/real insurance rate, instead of a 'generic' insurance rate so they wouldn't be scared off and not sign up.
(They said this on some morning news cable tv station on Tuesday morning.)
Obviously, this is a stupid and lame but that's what they said. I'm not sure what the income limits are but they could just ask if your income is over a certain limit and if it is then give you the generic prices but anyway, it's a government run program so you know what that means.

I heard or read that also. The hang up for me and i would assume many others was the identity verification. There is no reason that i shouldn't have been able to create an account, enter my details and get/save a quote with an asterisk like "provided that your information is correct. subject to identity verification.".

Then i could go through with identity verification or not...i personally only logged in to see what it would cost. I had no intention of selecting a plan.
Avid Stamp Collector - I really love 39 Cent Stamps
Post 189 made on Saturday December 24, 2016 at 12:53
GotGame
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I sure hope things change in 2017, but it will probably take years to unravel the mess that has been created.
Just talked to a friend in Texas. When they started, he had 4 HC providers to choose from in his area. Now down to one. as of the beginning of the year a 67% increase and the deductible is up to $6k. At $1025 a month. (60yrs old).
Bye bye retirement.

[Link: zerohedge.com]
I have not fact checked this data, after all , it is Xmas eve.
I may be schizophrenic, but at least I have each other.
Post 190 made on Saturday December 24, 2016 at 14:39
ceied
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My insurance went from 230 a month to $750 a month. Less coverage. Higher deductible and higher co pay. It would be cheaper to pay the doctor out of my pocket.
Ed will be known as the Tiger Woods of the integration business, followed closely with the renaming of his company to "Hotties A/V". The tag line will be "We like big racks and tight holes"...
Post 191 made on Saturday December 24, 2016 at 14:48
amirm
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For the third time in a row my insurance company discontinued their plan and force me into yet another plan. And this year threw me into state web site which was as usual a nightmare to navigate (although much better than first year). The new plan no longer has coverage of one of my doctors. Spoke to them and they had no answer as to why they had dropped the old plan, etc.

Went down one level ("Bronze") to keep the costs at bay. $1,500/month for three of us. Was nearly $2000/month for the next level up. Remarkable that the cost is more than what you could rent an apartment for! Had to pay over $110/month for dental on top of that. And no eye care.

What I like to see is very cheap but full catastrophic coverage and be self-insured for day to day stuff. There is no way we are racking up $20,000+ in medical expenses right now.
Amir
Founder, Madrona Digital, http://madronadigital.com
Founder, Audio Science Review, http://audiosciencereview.com
Post 192 made on Saturday December 24, 2016 at 14:48
Zohan
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Uh-Oh.....here we go....
Post 193 made on Saturday December 24, 2016 at 15:23
SB Smarthomes
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We've been struggling with medical insurance for the last 4 years since our son was born and my wife was diagnosed with cancer. Between premiums, meeting deductibles and covering things not covered by insurance our medical expenses have exceeded $30k annually.
www.sbsmarthomes.com
Santa Barbara Smarthomes
Post 194 made on Saturday December 24, 2016 at 16:34
Mac Burks (39)
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First thing is the healthcare site is still a nightmare IMO. I am not a new computer user or a total moron and i still cant figure out the site or the emails i get from it. Example...i get an email telling me i have a deadline to change plans or risk having my rates raised. These emails come every day for a week. I ignore them. Then i get an email telling me that my plan was updated blah blah im all good and i can move on with my life. Then the next day i get another email telling me i better login or risk losing it all!!!! Sooooo i log in and it looks like i am all set except for the button that i click that then takes me to sign up like i am a new user. There is no clear indication of which plan i have...whether or not i am signed up etc etc. So far all that site does is cause confusion.

As far as the costs go...i am a single 41 year old male with no children. This is the math for this year. All i did was go in for a sleep apnea test. 2 sleep clinic visits and a visit where i talked to the doctor for 20 minutes.

3 (co pays) X$40=$120 + $5181.72 (monthly payment X 12 months)

Total spent this year on healthcare $5301.72

Total billed for services $4134

$1167.72 is what i actually spent out of pocket. That works out to $97.31 a month to cover all of my healthcare needs in 2016.

The older i get...the more i go to the doctor...the better the deal will be for me. I realize it might suck if i stay healthy all next year and find out i actually spent $531 (my new monthly rate) a month for nothing...but if i break a leg or get hit by a car or find out i have cancer...$531 a month will seem like pennies compared to what the actual costs of my healthcare are.

I never cared about health insurance. I didn't have any between 18 and 35 because i "didn't need it". I learned my lesson a few years ago. Actually it was my brothers lesson but i paid attention. He was diagnosed with liver disease. Costs for his care were heading towards the $500k range. His insurance covered it. Even his co pays were covered by a credit card that his job supplies him with. He works for whole foods. Up until that point he never used the insurance. Like me...he never went to the doctor for anything for almost 20 years and "didn't need it". Then one day he did.

Bottom line is that either we need to lower healthcare costs or we need to lower insurance costs. I think $100 a month per person is all it should cost to have healthcare. Thats $32,518,590,600 (based on current population) per month.
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Post 195 made on Saturday December 24, 2016 at 17:27
Trunk-Slammer -Supreme
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ACA. Thank god I don't need it.

Hopefully there will be some changes made that will help make it more reasonable for the average person, and all the not so average.

The cost of insurance is, and will, continue to rise exponentially due to insurance company greed, and those same companies being forced to insure the un-insurable.

How would your company fare if the government forced you to install systems for a fee that didn't cover the cost of the equipment?

There IS a paralell here.
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