Thread: Obamacare Thread
#1 Obamacare Thread
11-04-2013, 02:58 PM
- Join Date
- Jun 2008
There are so many good articles on Obamacare, that it might be a good idea to have some of them in one location.
High Deductibles Chase the Middle Class from Health Services
...In this report, a young lady rails against the costs of her new ObamaCare-compliant insurance coverage. Her previous policy cost her $199 per month with a $1,500 annual deductible ($3,888 total before 100% insurance coverage kicks in). The closest matching ObamaCare plan will cost her $278 per month with a $6,500 annual deductible ($9,888 total before only 70% coverage kicks in). That's a 252% increase between the plans, and she is still on the hook for 30% of all costs thereafter.
When asked whether the government had any influence over the pricing of health care premiums and deductibles, Dr. Gosberg was unequivocal. "Absolutely. As with states, [ObamaCare] has insurance commissioners that approve the ratings, and there is a time when the government and industry negotiate a price schedule back and forth."
When asked to explain the drivers that resulted in such huge increases in premiums and deductibles, Dr. Gosberg broke down the fundamentals. "Under ObamaCare, you cannot underwrite based on health status. You cannot discriminate between men and women. ObamaCare exchange community ratings are one of the biggest drivers to cost. In free-market insurance, community age ratings range from 1 to 5, youngest to oldest, with the oldest expected to cost five times more than the youngest. In ObamaCare, the ratings only range from 1 to 3. Any insurer with a brain sets premiums for the oldest and works backwards, so the young pay more than they would in the free market."
There is little doubt that the Obama administration and its supporters will begin to blame the private insurance industry for any and all ills brought on by ObamaCare. It's what they do, and since neither George Bush nor the GOP can be effectively blamed, the evil insurance corporations are the likely scapegoats.
It's important in the face of the coming PR attacks on insurers to make clear that the soaring costs are to be blamed solely on ObamaCare, as are the millions of policies being canceled.
Recognize that the next time you twist an ankle or want an aching back checked out, ObamaCare's tentacles will be in your pocket, dissuading you from seeing your doctor.
Simply put, ObamaCare, via massive deductibles, discourages people from seeing doctors when they otherwise would have in the past. That is, unless the people are among the privileged dependent on the government, of course.
11-04-2013, 03:02 PM
- Join Date
- Jun 2008
You Also Can't Keep Your Doctor
...For almost seven years I have fought and survived stage-4 gallbladder cancer, with a five-year survival rate of less than 2% after diagnosis. I am a determined fighter and extremely lucky. But this luck may have just run out: My affordable, lifesaving medical insurance policy has been canceled effective Dec. 31.
My choice is to get coverage through the government health exchange and lose access to my cancer doctors, or pay much more for insurance outside the exchange (the quotes average 40% to 50% more) for the privilege of starting over with an unfamiliar insurance company and impaired benefits. (snip)
Two things have been essential in my fight to survive stage-4 cancer. The first are doctors and health teams in California and Texas: at the medical center of the University of California, San Diego, and its Moores Cancer Center; Stanford University's Cancer Institute; and the M.D. Anderson Cancer Center in Houston.
The second element essential to my fight is a United Healthcare PPO (preferred provider organization) health-insurance policy.
Since March 2007 United Healthcare has paid $1.2 million to help keep me alive, and it has never once questioned any treatment or procedure recommended by my medical team. The company pays a fair price to the doctors and hospitals, on time, and is responsive to the emergency treatment requirements of late-stage cancer. Its caring people in the claims office have been readily available to talk to me and my providers.
But in January, United Healthcare sent me a letter announcing that they were pulling out of the individual California market. The company suggested I look to Covered California starting in October....
11-04-2013, 03:07 PM
- Join Date
- Jun 2008
The 'you can keep your doctor' lie starting to hit Medicare recipients
The firestorm over President Obama's blanket false assurances on Obamacare is only going to intensify, as more groups discover they have lost either their coverage or their doctor thanks to the health insurance changes imposed on the country without a single Republican vote. One of the biggest, yet so far almost completely ignored, changes is the looting of Medicare to pay for Obamacare. Now, it is starting to hit home. Evan Gahr of the New York Daily News recounts a story that will soon become very common among America's senior citizens:
Obamacare has a new message to seniors: Take two aspirins and find yourself a new doctor in the morning.
Just ask 84-year-old Dorothy Gaillard, a retired book binder and a patient of my father, an Upper East Side primary care physician, for more than two decades.
Gaillard could easily find a doctor near her Queens home, but she dutifully makes a 45-minute schlep to my father's office for uniquely personal care. He takes her blood pressure himself and even schedules her next appointment, tasks that most doctors shunt off to assistants.
Last Saturday, Gaillard called my father, aghast about a letter she had just received from the Medicare Advantage program of UnitedHealthcare.
Gaillard, one of close to 900,000 aged New Yorkers covered by Medicare Advantage, was informed that my father's contract was being terminated effective Jan. 1; she would need to find another doctor.
"I couldn't believe it," she recalled. "Something ain't right."
That something is Obamacare. Due to reductions in funding under the law, the Medicare Advantage programs, in which Medicare provides money for private insurers to cover seniors, have quietly started to cancel the contracts of providers to save money.
Senior citizens are the country's most potent voting bloc, but because the media ignored the impact of the cuts to Medicare embedded in Obamacare, they were not mobilized in the 2012 election. The Romney campaign did an inadequate job, but in fairness, it was a formidable task, a wonkish excursion into numbers and budgets and second- and third-order consequences. In an era where low information voters predominate, and in the face of the calm, oft-repeated reassurances of the president that "you can keep your doctor," Romney was unable to make his case.
Now, in a manner that would shock his former mentor Jeremiah Wright, "America's chickens are coming home to roost."The number of people deeply angry over being harmed by Obamacare is going to skyrocket, and they all will realize they were lied to. Coming soon: massive numbers of people in corporate group health plans dumped onto the health care exchanges because their employers cannot afford the new, much higher-cost health care mandated by Obamacare....
11-04-2013, 03:21 PM
- Join Date
- Jun 2008
Top Ten Excuses for Obamacare Cancellations
From talk of “conversion letters” to disparaging remarks about the doomed plans, here are the top excuses Democrats are giving:
Americans aren’t receiving “so-called cancellation notices”; they’re getting help “transitioning” off their previous plans, according to Representative Sander Levin (D., Mich.). He echoed the rhetoric of Florida Blue CEO Patrick Geraghty, who made that same claim on Meet the Press earlier in the week.
2. “Bad-apple Insurers”
During a speech in Boston on Wednesday, President Obama laid the blame for canceled plans on “bad-apple insurers.” The president stood by his original promise and accused critics of being “grossly misleading.”
3. “Conversion Letters”
During her weekly press conference, Nancy Pelosi attempted to correct reports of cancellation letters by referring to them “conversion letters.” She explained that plans that have changed since the law passed are being improved by a “patients’ ‘Bill of Rights,’” and plans change from year to year anyway.
4. “Five Percent”
President Obama, Pelosi, and other Democrats have tried to downplay the scale of the cancellation problem by suggesting “fewer than 5 percent” of Americans will be affected. Ultimately though, that “5 percent” figures comes out to approximately 15 million people who will not be able to keep their plans, and other estimates are far higher, ranging to as many as 93 or 129 million plans’ being changed.
On Tuesday, White House press secretary Jay Carney explained that “substandard plans” would be terminated because they didn’t provide coverage for certain services, such as maternity care or prescription drugs. President Obama use the same word during his Boston speech to describe the millions of canceled plans, as have other Democrats throughout the week.
6. “A Fraction of a Fraction”
Later in the week, on Thursday, Carney said Americans losing their current healthcare plans were a “fraction of a fraction” of the population during Thursday’s daily briefing. Those elusive plans were “crummy,” according to Carney. On Friday, the press secretary claimed that that those receiving letters were just “a small sliver” of the population.
Representative Frank Pallone (D., N.J.) called pre-Obamacare insurance plans “a scam” during an interview with CNN’s Piers Morgan on Wednesday night. In a later interview that same evening, Pallone told Megyn Kelly of Fox News that those plans were “lousy” and “skeletal,” and that nobody would want to buy them anymore.
8. “That’s Not Health Insurance”
James Carville argued that the plans that were canceled actually weren’t “health insurance,” because they didn’t meet certain requirements. On Hannity Wednesday night the Clinton operative called it “irresponsible” that some of the previous plans didn’t include certain types of coverage.
Massachusetts governor Deval Patrick told MSNBC’s Andrea Mitchell that previous plans were “empty,” thus meriting cancellation. Patrick introduced the president in Boston the day before and heralded his state’s health-care system, which has some of the nation’s highest premiums, as a model.
10. Only “Good Insurance”
Democratic senator Mary Landrieu of Louisiana, whose tough reelection effort next year is sure to focus on Obamacare, claimed that her party’s vow was much more qualified than it sounded to most observers. “We said when we passed that, ‘If you had insurance that was good insurance that you wanted to keep it, you could keep it,’” she told The Weekly Standard.
- Join Date
- Jun 2008
12-06-2013, 04:16 PM
- Join Date
- Apr 2006
- Items for Sale
You can sign up but you can't pay. It's like picking out a new suit but you can't take it home due to the fact the store does not have a cash register!
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12-06-2013, 06:02 PM
- Join Date
- Jun 2008
Emails: Obama administration misled Congress, decided to delay website in August
The Obama administration knew in advance that Obamacare’s online small business (SHOP) exchanges would not be ready by deadline and agreed to delay part of the website as early as August, according to emails obtained by House Energy and Commerce Committee investigators.
The Committee accused Obama administration officials of misleading Congress about the website’s progress.
Centers for Medicare and Medicaid Services (CMS) officials and Obamacare website contractor CGI Federal secretly agreed that the SHOP program would have to be delayed more than a month before the administration told the American public that the program would still be ready on time.
CMS and CGI Federal agreed on August 13 that SHOP would not be ready and would have to be delayed until November 15. The administration then waited a month before announcing on September 26 that “The SHOP Marketplace for Federally-facilitated Marketplace states opens Oct. 1, 2013, when small employers can start the application process and get an overview of available plans and premiums in their area. All functions for SHOP will be available in November and if employers and employees enroll by Dec. 15, 2013, coverage will begin Jan. 1, 2014.”
The administration’s announcement came just one week before employers were set to begin using SHOP. On November 27, President Obama finally delayed the glitch-ridden SHOP exchanges by one year.
The emails paint a picture of an administration desperate to avoid public embarrassment and unwilling to delay launch deadlines, despite glaring flaws with the website.
“I’ve escalated your concerns regarding the SHOP Employee application not being completed until 10/15/13,” CMS official Jo-Ann Webber emailed on July 26, indicating that the administration knew that SHOP would not be completed until more than two weeks after its scheduled launch date.
“I am not recommending delay of the employer application” fellow CMS official Dean Mohs replied to Webber.
“Guys, this is absolutely urgent and I need an answer on this today. If this is late we have to public[ly] announce we are late with a deliverable which means Marilyn Tavenner and the Secretary will have to announce,” CMS official Monique Outerbridge said on August 6.
Nevertheless, CGI Federal presented its plan to roll out SHOP on deadline, and CMS official Henry Chao asked, “Can we sign this [plan] in blood?”
12-07-2013, 04:04 AM
- Join Date
- Jun 2008
You’re Too Old for MRI under Obama Care
...We arrived for our dual appointments - there was nobody in the waiting room so we waited just a few minutes before we were taken to the same examining room. The nurse came, very polite, took our information on her laptop and left, and we waited and waited. Finally, mom’s favorite smiling doctor showed up with his laptop in tow.
He told us his office was one hundred percent compliant with the ObamaCare electronic patient portals. We could not have cared less about his electronic compliance. Without touching her, he made mom walk back and forth to see what her right-leaning gait looked like. He determined that she needed a rolling walker because she probably had a mini stroke at some point when the gait commenced. He was not going to order an MRI because she is too old and ObamaCare will not approve payment.
He did not touch her on the previous visit either when she fell but had not broken anything; she was in severe pain and covered in ugly, deep bruises. He did not order any x-rays then because she did not seem to be in terrible pain, he said. Mom is stoic and put up a good front in the doctor’s office; she lingered in bed for three months, healing from the awful fall she took outside in the grass.
I complained of a terrible earache and a sinus infection. From three feet away, without touching me, he shined a flashlight into my throat, typed something into his laptop and told us that he will order our meds into the system which is connected directly to the pharmacy. We paid for the visit and drove to the nearest apothecary.
The prescriptions were not there just as I had feared. The doctor’s office had closed for the day and the pharmacist could not call to check where in cyberspace was the order trapped for meds that we both needed right away. On the positive side, at least the meds are available for now, rationing in pharmaceuticals has not begun yet...
...For people 65 and older, doctors who will accept Medicare and Medicaid will be harder to find and specialists even harder. These patients will be forced into a second class medical care akin to what I’ve witnessed growing up under socialist nationalized health care.
When more and more people will be forced into Medicaid and Medicare, costs will escalate and so will taxes to support care for 30 million more patients who were previously without insurance.
Because there are no eligibility requirements in place, Illegal aliens and those seeking asylum with a certain religious bent will receive free care ahead of the line based on age, increasing wait time and reducing the amount of money available for the treatment of American citizens.
The Independent Payment Advisory Board (IPAB) will have to cut costs by approving or disallowing medical services based on how expensive they are, the age of the patient, and utility to society. Rationing will become an important factor in the quality, quantity, and expedience of our medical care.
If IPAB denies treatment, there is no appeal because IPAB is only accountable to President Obama. The courts or Congress cannot override that decision. At least under private health care insurance, if you are denied treatment, you have an appeal process in place to defend your ability to have treatment paid by your insurance plan.
If Medicare denies medical care, the patient is not allowed to pay cash to a Medicare-contracted doctor, hospital, or other health provider. Under such circumstances, a patient can seek care from an independent doctor or hospitals, which are harder and harder to find, or look for treatment outside of the United States.
It is foreseeable that by 2015, most private plans will be gone, replaced by a single-payer IRS/HHS government-run insurance.
12-07-2013, 04:14 AM
- Join Date
- Jun 2008
Planned Parenthood Launches Door-to-Door ObamaCare Push
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