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  1. #71  
    Sin City Moderator RobJohnson's Avatar
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    Quote Originally Posted by Elspeth View Post
    Guess what? Health care costs were actually going down from the early 2000's. This means that the "Chicken Little" panic about "astronomically rising healthcare costs" was actually a lie too.


    .....
    Insurance companies were doing a pretty good job of keeping charges down. Now with the additional requirements of the ACA, especially the administrative costs, I am sure healthcare will become more expensive.
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  2. #72  
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    Quote Originally Posted by RobJohnson View Post
    Insurance companies were doing a pretty good job of keeping charges down. Now with the additional requirements of the ACA, especially the administrative costs, I am sure healthcare will become more expensive.
    It will be going through the roof, and we will be paying it.
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  3. #73  
    PORCUS MAXIMUS Rockntractor's Avatar
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    Quote Originally Posted by Elspeth View Post
    It will be going through the roof, and we will be paying it.
    Everyone will cry for rescue and Obama will go in as hero and install single payer, he may even find a contrived way of justifying an executive action like a national emergency and how this effects our national security.
    Of course the insurance companies and the failure of free enterprise will be blamed for the destruction of healthcare, he will claim to have tried to have saved it with Obamacare but it was to late, conservatives and the insurance companies were working against him at every turn so drastic actions will have to be taken and healthcare will become fully nationalized.

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  4. #74  
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    Finally....the truth.


    ObamaCare's Plans Are Worse
    http://online.wsj.com/news/articles/...92081764514664

    ....The reason this furor will continue even if the website is fixed is that the public is learning that ObamaCare's insurance costs more in return for worse coverage.

    Mr. Obama and his liberal allies call the old plans "substandard," but he doesn't mean from the perspective of the consumers who bought them. He means people were free to choose insurance that wasn't designed to serve his social equity and income redistribution goals. In his view, many people must pay first-class fares for coach seats so others can pay less and receive extra benefits.

    Liberals justify these coercive cross-subsidies as necessary to finance coverage for the uninsured and those with pre-existing conditions. But government usually helps the less fortunate honestly by raising taxes to fund programs. In summer 2009, Senate Democrats put out such a bill, and the $1.6 trillion sticker shock led them to hide the transfers by forcing people to buy overpriced products.

    ...Regulators mandated a very rich level of "essential" health benefits that all plans in the individual market must cover, regardless of cost. This year eHealth EHTH reported that its data show individual premiums must be 47% higher than the old average to fund the new categories in the individual market.


    Meanwhile, ObamaCare's plans are limited to essentially four. Yes, four. The law converts insurance products on the ObamaCare exchanges into interchangeable commodities that finance the same standard benefit at the same average expense over four tiers known as bronze, silver, gold and platinum.

    So, for example, a bronze plan covers 60% of health-care expenses and the beneficiary pays a lower premium to pick up the remaining 40% out of pocket. Platinum carries a higher premium for a 90%-10% split. But there can be little deviation from the formulas—that is, there is little room for innovation or policy choice—to suit customer preferences.

    In any case all four tiers are scrap-metal grade, because the rules ObamaCare imposes to create a supposedly superior insurance product are resulting in an objectively inferior medical product. The new mandates and rules raise costs, so insurers must compensate by offering narrow and less costly networks of doctors, hospitals and other providers in their ObamaCare products. Insurers thus restrict care and patient choice of physicians in exchange for discounted reimbursement rates, much as Medicaid does.

    Nearly half of the ObamaCare plans are tightly managed HMOs, according to a McKinsey & Co. analysis. In states like California, Missouri and New Hampshire, many networks are 40% or 45% the size of those offered for normal commercial coverage. Patients face the prospect of waiting months and driving miles to clinics and county hospitals.

    Narrow networks can be a useful cost-control tool, to the extent people choose to give up medical options in return for lower premiums. But that's rarely what people want when they're choosing with their own money. Some 82.5% of eHealth customers in 2012 purchased preferred provider organization plans (PPOs) that are structured so patients can visit virtually any physician.

    The awful irony of this new ObamaCare health system is that all adults now enjoy mandated pediatric vision benefits, even if they don't have kids, but parents can't take their daughter to an expensive children's hospital if she gets really sick. Everybody gets "free" preventive checkups with no copays, but not treatment for a complex illness from specialists at an academic medical center.

    If the old individual market was as bad as Mr. Obama said it was, then he shouldn't pretend it's a place worth going back to, even for a year's delay. His "fix" is necessary politically because ObamaCare's willful destruction of this alternative is the worst act of government mayhem since FDR's National Recovery Act. The Affordable Care Act's main achievement is turning out to be diminishing affordable care....
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  5. #75  
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    Couple Finds Out 18 Month Old Daughter Is Not Covered Under Obamacare Family Plan

    Baby not covered under ObamaCare family plan
    http://nypost.com/2013/12/01/baby-no...e-family-plan/

    Long Islander Cornelius Kelly found it would be no problem to secure a family plan for his wife and three older kids through New York’s health-care exchange, but his 18-month-old daughter was out in the cold. The baby would need her own insurance policy.

    “I couldn’t believe what I was being told,” said the dad from East Quogue, in Suffolk.

    Kelly said he was no fan of the Affordable Care Act, but when he received notice a few weeks ago that his current insurance plan was being canceled, he tried the New York State of Health Web site.

    Kelly, 41, and his wife, Jennifer, 42, are self-employed and have always had to buy their own insurance. Kelly runs a title insurance business in Westhampton, and his wife is a pediatrician in private practice in Miller Place. “I initially went on with a lot of optimism,” he said.

    Kelly said none of the plans offered out-of-network coverage, which was something he wanted. But even worse, they only covered his three older children, who are 3, 5 and 6.

    When Kelly called a representative, he was told his daughter had to be 2 before she could be covered under a family plan. He would have to buy a separate plan for her, at monthly premiums that ranged between $117.21 and $369.31. The cost would be on top of a family plan with premiums ranging from $810.84 to $2,554.71 a month.

    Kelly said he had been paying about $1,000 a month.

    Unwilling to put his daughter on a separate policy, Kelly found a family plan in the private marketplace for about $1,250 a month.
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  6. #76  
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    After Obama’s Deadline For Fixing Obamacare Website, HealthCare.gov Still Plagued With Bugs And Glitches…

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  7. #77  
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    CNN Tries To Sign Up For Obamacare On Day One of It Being “Fixed” . . . Site Promptly Crashes…
    http://weaselzippers.us/2013/12/01/c...mptly-crashes/

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  8. #78  
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    Top White House Adviser David Plouffe On Obamacare On Rollout: “It May Take Until 2017. It Will Work Really Well Then”…
    http://weaselzippers.us/2013/12/01/t...lly-well-then/

    http://politicalwire.com/archives/20...f_the_day.html

    Quote of the Day
    "It may take until 2017. It will work really well then."

    -- White House adviser David Plouffe, quoted by ABC News, on the implementation problems facing Obamacare.

    Plouffe: Obamacare Will Work Even Better In 2017
    http://talkingpointsmemo.com/livewir...better-in-2017



    David Plouffe, former top adviser to President Obama, said on Sunday that the health care law will improve with age and that it may take years for the law to work at its best.

    "It may take until 2017," he said on ABC's "This Week." "It will work really well then."

    Plouffe said that in a few years, when more governors set up state exchanges and expand Medicare, the law will improve and people will regain faith in Obamacare.

    "I think people's confidence will recover," he said.
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  9. #79  
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    North Carolina Obamacare Navigator Group That Planned To Sign Up 5,800 People: “We’ve Yet To See An Application From Start To Finish”…


    Eliana Johnson: In the Trenches With the ObamaCare Army
    One group of navigators planned to sign up 5,800 people by March. So far: zero.
    http://online.wsj.com/news/articles/...trending_now_5

    ...How's it going? Not well, to judge from a visit with navigators in North Carolina, one of 34 states that decided not to open their own health-insurance exchanges.

    Durham is a relatively low-income city—nearly 19% of the residents are below the poverty level—that is 41% African-American and 14% Hispanic. It is the type of place that the White House expects to benefit most from ObamaCare. Yet the navigators I spoke with there earlier this month say interest has been sparse. Organizations like the Alcohol and Drug Council of North Carolina and the Lincoln Community Health Center that received federal funds to hire navigators are contemplating how to reach out to potential enrollees, given that waiting for phone calls or walk-ins is not proving fruitful.


    Occasionally, the navigators even make house calls. I accompanied Nyi Myint, a navigator with the Alcohol and Drug Council of North Carolina, to the home of Kimberly Munier, a self-employed single mother. Her Blue CrossBlue Shield plan was canceled over the summer, and she asked Mr. Myint for help with the federal exchange.

    He begins by laying a wrinkled paper on the kitchen table, a green-and white-certificate indicating that he has completed the "Navigator Curriculum." It is not a particularly official looking document: In the top left corner, it reads, "Print Close Window." "This is how they sent it to us," he says, laughing. (The federal curriculum, which instructs navigators in topics from the "definition of health insurance" to how to handle "consumers who are lonely and just want to talk," takes between five and 20 hours to complete.)

    News stories have reported on the HHS's admission that it doesn't vet navigators' backgrounds. But the navigators for the Alcohol and Drug Council seem a cut above. Mr. Myint, the project manager, says that nine of the 13 navigators he hired have masters degrees—an indictment of the miserable jobs market, yes, but good for ObamaCare guidance. His group received about $300,000 from HSS, and the navigator jobs pay $20 an hour.

    Before the navigation process gets underway, Mr. Myint has Ms. Munier sign a consent form. Then her health-insurance details come out. Ms. Munier had been paying $639 a month for a plan with a $1,000 deductible. If she takes no action, Blue Cross will move her automatically to a similar plan that meets ObamaCare's minimum standards. "My costs would go down, but the deductible and stuff would go up," she says. To be exact, her monthly cost would decrease by $157. When using in-network providers, her deductible would nearly triple; out of network, it would more than quintuple. When the Blue Cross notification arrived, she says, her response was: "Ugh, I don't really know what to do."

    Now, navigating Healthcare.gov is proving equally confusing. Just getting the home page to open was hard, then it turned out that the instructions for choosing a username are defective. The stipulations (6-74 characters, a numeral, "one of these symbols _.@/-,") include "must contain a lowercase or capital letter." Swiping a lock of blonde hair out of her eyes, Ms. Munier sees the list of instructions and mutters, "Oh, Lord, have mercy." Then she has an idea: "I wonder if they mean a lowercase and a capital." Bingo.

    To determine whether she is eligible for subsidies, the site prods Ms. Munier to enter her projected 2014 income. She expects to make $60,000 this year but isn't sure. If she makes $60,000 from renting a house and work she does as an early-childhood education consultant, she will barely qualify for a subsidy. Mr. Myint advises her against making an educated guess. If she gets a subsidy and then winds up making more money than expected, she will have to repay the excess.

    After about an hour, dozens of plans for which Ms. Munier and her daughter qualify appear on the screen. On average, the plans she's looking at hover around $400 per month, but with deductibles far higher than her old policy—up to $11,000 more. "That seems astronomical," she says.

    Mr. Myint is prohibited from steering her toward one plan or another, and Ms. Munier, saying it's all too confusing, wants more time to look over her options. For today, she doesn't enroll on the exchange.

    It's a familiar experience for Mr. Myint. After starting Oct. 1, when the exchanges went live, his organization was aiming to sign up 5,800 people by the end of March 2014. It has a long way to go.

    "We have yet to see an application from start to finish," he says.

    The current HHS navigator grants last for one year, ending next fall. Surveying the battlefield, Mr. Myint says: "I think there will be plenty of navigation left to do after this year."

    Other navigators in Durham agree with his assessment. Ricardo Correa, a navigator with the Lincoln Community Health Center, is determined to sign people up for health-care insurance one way or another. "We have to be very creative on how we reach the community," he says. "We have to think outside the box." At a meeting that includes Mr. Correa, Duke University officials, and other groups that received navigator grants, they discuss the feasibility of tucking brochures promoting the Affordable Care Act in water bills or sending them home with school children.

    Mr. Correa tells me that, in spreading the word about ObamaCare, he has gone to churches, barbershops, homeless shelters and La Oficina, a tax-preparation center that caters to Hispanics. To date, Mr. Correa says, he has enrolled nine people for ObamaCare—using old-fashioned paper applications.

    But the paper applications are no panacea. That's because information from paper applications must be entered into the same dysfunctional federal data hub used by online applicants. Notes from an Oct. 3 meeting of officials from the Centers for Medicare and Medicaid Services state that "The same portal is used to determine eligibility no matter how the application is submitted (paper, online)." Notes from an Oct. 11 meeting among the same officials read: "At the end of the day, we are all stuck in the same queue." I ask Mr. Correa if he turned to paper applications just to give people a sense that they are moving forward. "They are moving forward," he insists....
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  10. #80  
    PORCUS MAXIMUS Rockntractor's Avatar
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    The difference between pigs and people is that when they tell you you're cured it isn't a good thing.
    http://i.imgur.com/FHvkMSE.jpg
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