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Obamacare... Ouch

wyomingosualum said:
What I’m getting at is there are other ways to provide health care that are much more cost effective than the $1,000 per month that @Headhunter and everybody else in the world are having to pay.

I wasn’t making up the $50 per month charge. Look at this. This concept is catching on:
https://atlas.md/wichita/
Click to expand...

In the atlas FAQs...

“As a patient of Atlas MD, will I still need health insurance?”
Yes. We recommend our patients continue a major medical plan with a high deductible and health savings account to ensure financial help should hospitalization or referral to a specialist be necessary. We’re happy to refer you to insurance representatives who can help customize an insurance plan to your specific needs.



Seems like a waste of money to me
 
CSCOTTOSUPOKES said:
Thank you...from the article...

“Short-term plans don't have to adhere to ObamaCare's cost-inflating regulations, so they have lower premiums – 80 percent lower, on average, than ObamaCare-compliant plans.”


Regulations - first and foremost, coverage for pre-existing conditions wouldn’t be there
Click to expand...
Gotcha. Thanks.

I think it gives people another choice. If someone has a pre-existing condition that requires treatment, then the short term health plan wouldn't be a wise choice for them.

Healthcare in the US is a shit show right now.
 
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okcpokefan12 said:
Gotcha. Thanks.

I think it gives people another choice. If someone has a pre-existing condition that requires treatment, then the short term health plan wouldn't be a wise choice for them.

Healthcare in the US is a shit show right now.
Click to expand...

If Republicans can come up with a better plan that ensures affordability and good coverage for Americans, I’m all for it.
 
okcpokefan12 said:
Gotcha. Thanks.

I think it gives people another choice. If someone has a pre-existing condition that requires treatment, then the short term health plan wouldn't be a wise choice for them.

Healthcare in the US is a shit show right now.
Click to expand...
healthcare is a shit show and it's an expensive shit show. The medical profession anymore has been spiraling downward in regards to good care from anyone. you go to a doctor and all they do is get the laptop out and put x's in the blocks and then you go home. You're just a number. Some of these doc's try to create a high volume business and hire a bunch of kids to work the bottom of the scales and they have no clue as to what they are doing. Unfortunately, these are my experiences but I guarantee I'm not alone.
 
CSCOTTOSUPOKES said:
In the atlas FAQs...

“As a patient of Atlas MD, will I still need health insurance?”
Yes. We recommend our patients continue a major medical plan with a high deductible and health savings account to ensure financial help should hospitalization or referral to a specialist be necessary. We’re happy to refer you to insurance representatives who can help customize an insurance plan to your specific needs.



Seems like a waste of money to me
Click to expand...
Please refer to my original scenario in which I outlined the need for a catastrophic health insurance plan to take care of the expensive health needs should they arise. Your net savings would be hundreds of dollars per month. Initially, you would divert the monthly premium savings into a health savings account to use for deductible costs on the catastrophic plan. Once you have that banked, then the monthly savings is yours.

A savings of $500 or more per month is not a waste of money.

This concept is so simple. And as it gains momentum across the country, the Republicans have done NOTHING to help push this concept forward. I understand that Democrats would be first inclined to look to yet another government program to solve the problem, but this is something that people need to come together on.
 
CSCOTTOSUPOKES said:
Sooooo...I’m gonna safely assume none of you would buy a cheap, shitty trumpcare plan as mentioned in the article, written by a righty think tanker.
Click to expand...
Since you're too damn lazy to do anything but gobble up media narratives, I'll do a comparison of an Obamacare plan and one of these new (became law Oct 1) short term policies for you. This exercise isn't to prove what a dipshit you are, but to show you how simply gathering information yourself to form your own opinion is useful in adult life.
 
healthcare dollars are not plumber dollars

with every policy maker on the tit be it corporate or gubmit

wyoming is on the right track

doctors like green money

just ask what the cash price is vs the reimbursement of ginned up insurance or medicare costs

a soonercare filling reimburses at $52
your insurance pays $200
unless of course there’s contract pricing

so what does cash filing cost?
 
Bitter Creek said:
Why is the government's responsibility to do anything of the sort?
Click to expand...

When have healthcare providers/ pharmaceutical companies truly made healthcare affordable when faced with no government regulation?

Most/all just find a way to ensure profits over people.
 
CSCOTTOSUPOKES said:
When have healthcare providers/ pharmaceutical companies truly made healthcare affordable when faced with no government regulation?

Most/all just find a way to ensure profits over people.
Click to expand...

Further deregulate the industry and make the companies fight it out for customers.
 
CSCOTTOSUPOKES said:
When have healthcare providers/ pharmaceutical companies truly made healthcare affordable when faced with no government regulation?

Most/all just find a way to ensure profits over people.
Click to expand...
A single person like yourself could have the coverage I have described for anywhere from $100-$250 per month. Would you consider that to be affordable?
 
Did everyone see the new NAFTA makes the period longer before generic drugs can enter the marketplace?
 
wyomingosualum said:
What I’m getting at is there are other ways to provide health care that are much more cost effective than the $1,000 per month that @Headhunter and everybody else in the world are having to pay.

I wasn’t making up the $50 per month charge. Look at this. This concept is catching on:
https://atlas.md/wichita/
Click to expand...

I am pretty sure I have seen this "type" of service in Dallas. It has been awhile and it was not available in FW, but I am going to see if I can find it. I think that is a damn good idea.
 
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Ostatedchi said:
Totally plan dependent. You can't know what you said is true unless you reviewed every plan option.
Click to expand...

"Reviewed every plan option." There was a political ad that lampooned the plan options by asking which one you wanted, using the industry's incomprehensible marketing nomenclature. That's a job. When your health policy is a BOOK that takes a masters to understand, that aint good. I'm a lawyer, handle p.i. cases, can't just sit down and read and understand a medical bill or insurance sheets that are provided to patients.

It really is insane. The health insurance industry is a giant parasite on the economy. They broker and skim and provide nothing. They are not democratically elected.

People sure like their medicare.
 
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Syskatine said:
"Reviewed every plan option." There was a political ad that lampooned the plan options by asking which one you wanted, using the industry's incomprehensible marketing nomenclature. That's a job. When your health policy is a BOOK that takes a masters to understand, that aint good. I'm a lawyer, handle p.i. cases, can't just sit down and read and understand a medical bill or insurance sheets that are provided to patients.

It really is insane. The health insurance industry is a giant parasite on the economy. They broker and skim and provide nothing. They are not democratically elected.

People sure like their medicare.
Click to expand...

Americans will buy anything that they are told will make the safer, skinnier or will fill in that developing bald spot
 
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Syskatine said:
It really is insane. The health insurance industry is a giant parasite on the economy. They broker and skim and provide nothing. They are not democratically elected.
Click to expand...
Agreed. Isn't it weird that the Democrats passed a law that required us to purchase stuff from the health insurance industry or face a government imposed financial penalty that would be funneled back to the same health insurance industry who's stuff we decided not to purchase, paying them for providing exactly nothing?

That almost sounds like legalized extortion or something. Why would any sane politician pass a law like that?
 
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Medic007 said:
Agreed. Isn't it weird that the Democrats passed a law that required us to purchase stuff from the health insurance industry or face a government imposed financial penalty that would be funneled back to the same health insurance industry who's stuff we decided not to purchase, paying them for providing exactly nothing?

That almost sounds like legalized extortion or something. Why would any sane politician pass a law like that?
Click to expand...

but but but
it’s not a tax
it’s the greater good
 
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Medic007 said:
Agreed. Isn't it weird that the Democrats passed a law that required us to purchase stuff from the health insurance industry or face a government imposed financial penalty that would be funneled back to the same health insurance industry who's stuff we decided not to purchase, paying them for providing exactly nothing?

That almost sounds like legalized extortion or something. Why would any sane politician pass a law like that?
Click to expand...

I always wondered why if a health insurance policy was a right and if you couldn't afford it, the gov't would subsidize it why we didn't extend that same logic to the 2nd amendment and subsidize gun purchases.
 
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Medic007 said:
Agreed. Isn't it weird that the Democrats passed a law that required us to purchase stuff from the health insurance industry or face a government imposed financial penalty that would be funneled back to the same health insurance industry who's stuff we decided not to purchase, paying them for providing exactly nothing?

That almost sounds like legalized extortion or something. Why would any sane politician pass a law like that?
Click to expand...

Sys, you got owned.

Sys, as a Progressive, why do you want to acknowledge eleventy billion genders but only one level of fitness?

Are you fat? I bet you are. Am I subsidizing your fatass in the actuarial tables??
 
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Bitter Creek said:
I always wondered why if a health insurance policy was a right and if you couldn't afford it, the gov't would subsidize it why we didn't extend that same logic to the 2nd amendment and subsidize gun purchases.
Click to expand...

Do you realize 2017 was the deadliest gun death year in decades?
 
CBradSmith said:
Sys, you got owned.

Sys, as a Progressive, why do you want to acknowledge eleventy billion genders but only one level of fitness?

Are you fat? I bet you are. Am I subsidizing your fatass in the actuarial tables??
Click to expand...

He's such a moron Idon't check it. I've stated more than once where I am with this health care.

You were going to be intellectually honest. Now you're introducing gender fluidity as a strawman in a discussion on obamacare.
 
Syskatine said:
He's such a moron Idon't check it. I've stated more than once where I am with this health care.

You were going to be intellectually honest. Now you're introducing gender fluidity as a strawman in a discussion on obamacare.
Click to expand...

I'm asking you to address your principles, granting you the opportunity to speak to why they seem inconsistent.
 
CBradSmith said:
Sys, you got owned.

Sys, as a Progressive, why do you want to acknowledge eleventy billion genders but only one level of fitness?

Are you fat? I bet you are. Am I subsidizing your fatass in the actuarial tables??
Click to expand...
He doesn't want to publicly acknowledge that he was one of the low information millions that got absolutely duped by the ACA. This is the result of people voting on skin color and ideology instead of qualifications and good policy.
 
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Medic007 said:
He doesn't want to publicly acknowledge that he was one of the low information millions that got absolutely duped by the ACA. This is the result of people voting on skin color and ideology instead of qualifications and good policy.
Click to expand...

Libs are just dummmb, aren't they. Don't dig nearly deep enough. Just "deep" enough to create societal segmentation...but no further.
 
CBradSmith said:
I'm asking you to address your principles, granting you the opportunity to speak to why they seem inconsistent.
Click to expand...

Okay Brad, no, I don't think there are eleventy billion genders, and I don't know what you mean by one level of fitness but If you mean what I think then no, there isn't only one level of fitness. No I'm not fat.

Man you have kicked some real ass with those questions. Well done. Major truths uncovered.
 
Syskatine said:
Okay Brad, no, I don't think there are eleventy billion genders, and I don't know what you mean by one level of fitness but If you mean what I think then no, there isn't only one level of fitness. No I'm not fat.

Man you have kicked some real ass with those questions. Well done. Major truths uncovered.
Click to expand...

Gotta boil it down to baby steps to get you engaging in a meaningful way.

So, you're welcome for setting this all up for you to answer "easy" questions.
 
CSCOTTOSUPOKES said:
Would you buy one of the Humpty Trumpty short term cheap plans that don’t cover jack shit?
Click to expand...
Here you go @CSCOTTOSUPOKES, a comparison between the cheapest Obamacare policy available and the most expensive "Humpty Trumpty short term cheap plans that don't cover jack shit" policy available.

Methods:
1. Use healthcare.gov for Obamacare plan pricing and information. Use a national health insurer that does business in Oklahoma for Humpty Trumpty plan pricing and information. I selected United Healthcare, one of the largest insurers out there. Of note, there are quite a few insurers selling Humpty Trumpty plans in Oklahoma and exactly 2 on the Obamacare exchange.

2. Use relatable uniform data to input for pricing. In this case I used the ZIP code for Sand Springs Ok, 74063, Tulsa County, Male, 34, no tobacco.

Here are the results:

Cheapest monthly premium Obamacare Bronze plan through BCBS:

Premium: $355.45 monthly
Deductible: $5,000/annual
Max out of pocket: $7,900/annual
Emergency room care
  • In Network Tier 1: $950 Copayment with deductible/50% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
Inpatient hospital services (like a hospital stay)
  • In Network Tier 1: $400 Copayment per stay with deductible/50% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Primary care doctor visit
  • In Network Tier 1: 40% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: 50% Coinsurance after deductible
Specialist visit
  • In Network Tier 1: 50% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: 50% Coinsurance after deductible
X-rays and diagnostic imaging
  • In Network Tier 1: 40% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: 50% Coinsurance after deductible
Laboratory outpatient and professional services
  • In Network Tier 1: 40% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: 50% Coinsurance after deductible
Outpatient facility
  • In Network Tier 1: $300 Copayment with deductible/40% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: $1500 Copayment with deductible/50% Coinsurance after deductible
Outpatient professional services
  • In Network Tier 1: $200 Copayment with deductible/50% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: 50% Coinsurance after deductible
Hearing aids
  • In Network Tier 1: 50% Coinsurance after deductible
  • In Network Tier 2: Not Applicable
  • Out of Network: 50% Coinsurance after deductible
Routine eye exam for adults
  • Benefit Not Covered
Routine eye exam for children
  • In Network Tier 1: No Charge
  • In Network Tier 2: Not Applicable
  • Out of Network: Benefit Not Covered
Eyeglasses for children
  • In Network Tier 1: No Charge
  • In Network Tier 2: Not Applicable
  • Out of Network: Benefit Not Covered
Eligible for Health Savings Account (HSA)No
Prescription drug coverage
Generic drugs
  • In Network Tier 1: 20% Coinsurance after deductible
  • In Network Tier 2: 25% Coinsurance after deductible
  • Out of Network: 25% Coinsurance after deductible
Preferred brand drugs
  • In Network Tier 1: 30% Coinsurance after deductible
  • In Network Tier 2: 35% Coinsurance after deductible
  • Out of Network: 35% Coinsurance after deductible
Non-preferred brand drugs
  • In Network Tier 1: 35% Coinsurance after deductible
  • In Network Tier 2: 40% Coinsurance after deductible
  • Out of Network: 40% Coinsurance after deductible
Specialty drugs
  • In Network Tier 1: 45% Coinsurance after deductible
  • In Network Tier 2: 45% Coinsurance after deductible
  • Out of Network: 45% Coinsurance after deductible
Cost Coverage Examples
Typical cost for a healthy pregnancy and normal delivery.
  • $7,960
Typical yearly cost for managing type 2 diabetes for one person.
  • $5,860
Typical cost for treatment of a simple fracture.
  • $2,000
 
@CSCOTTOSUPOKES

The most expensive Humpty Trumpty plan through United Healthcare:

Monthly premium: $248.59
Deductible: $1,000/184 day term
Max out of pocket: $5,000/184 day term

Lifetime Maximum
$2 million per covered person
Physician Care Benefits (Illness & Injury)

Office Visits (no primary care physician/specialist referrals required)
Office Visit, History, and Exam only
You pay: $50 Copay - no deductible (first visit)
Prescription Drug Benefits

Prescription Drugs
You pay: 20% coinsurance after deductible
Preferred Price Card
$3,000 per term max per person
You pay for prescriptions at the point of sale, at the lowest price available, and submit a claim to us.
Outpatient Expense Benefits

X-ray and Lab
You pay: 20% coinsurance after deductible
Emergency Room Fees - Illness
You pay: $250 copay, then 20% coinsurance after deductible
Emergency Room Fees - Injury
You pay: $250 copay, then 20% coinsurance after deductible
Mental and Nervous Disorders (including substance abuse)
Not covered
Inpatient Expense Benefits

Room and Board, Intensive Care Unit, Operating Room, Recovery Room, Prescription Drugs, Physician Visit, & Professional Fees of Doctors, Surgeons, Nurses
You pay: 20% coinsurance after deductible
 
jfc toon

you should make medic extra cheddar biscuits for the do he just saved you

less catastrophic illness

with otard bronze you can self insurance
after 36 months
 
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