Obamacare. Is it working?

[kallend 1,623]

cvfd1399

Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or the features, its a flat price.

Fuck Lexus for making a car out of better materials with better craftsmanship that led to a higher price.

When was the last time you bought a car without knowing how much it would cost?

...

The only sure way to survive a canopy collision is not to have one.

[tred 0]

cvfd1399

Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or the features, its a flat price.

Fuck Lexus for making a car out of better materials with better craftsmanship that led to a higher price.

I don't think it is that simple... I am a health care provider (physical therapy)

my company will most likely bill the exact same charges as PTcompanyB down the street. but when my therapy actually works for your hip guess where you will come when your knee bothers you. and guess where you will send your sister when she injures her shoulder. if PTcompanyB doesn't provide the level of care we do their business will suffer.

OTOH The main issue in PT is reimbursement rates going down, and medicare is by far the highest paying insurance for reimbursement.

The other problem I see is patients who get their health insurance through their employer have increased co-pays and deductibles and cant finish their rehab due to financial restraints.

I don't know the answers to these problems but the current system is flawed

[cvfd1399 0]

You could have went to Mexico and got it cheaper.

Try being a productive member of society without a car in the 99% of America with no public transportation because it would be too expensive to even fathom it with the distances and sparsity between destinations.

From your posts it seems like you are very socialist and wish the government take over a lot of the free market verging on communistic.

It's not reasonable, I do want to see costs go down, it's not this governments job to take over. That's what Karl would have wanted for sure.

[rushmc 18]

cvfd1399

Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or the features, its a flat price.

Fuck Lexus for making a car out of better materials with better craftsmanship that led to a higher price.

YA!!

And house prices!!!

And the beer I drink costs way too damned much!!!!

Bring on big government!!!

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[FreefallingCari 0]

Quote

I don't know whether you don't understand what I am saying, or whether I don't understand you.

With my employer plan, I have NEVER found a medical provider which doesn't take it. I don't have to have a referral, I don't have to see my primary care doctor before a specialist.

Those same MDs will not take ANY insurance provided though the same insurers (e.g.Anthem), if it is insurance obtained through the state exchange. I haven't pressed them on that, since I have other insurance, but I have seen the sign at the check-in desk, and have been told that over the phone when making an appointment with a new doctor.

My understanding (maybe out of date) is that NC uses the federal exchange. Here, we have a state exchange which also negotiated rates for services.

I do not intend this with disrespect, but I believe you may not understand me/insurance. Trust me, I wish I did not know about insurance as much as I do :P It can be a mind fuck.

Okay, so you have a policy, we will call it Policy A, with Anthem. Your doctors accept Policy A. They do not accept Anthem policy B, C, D, or E. Anthem offers those policies both on and off the exchange for individuals, BUT the exchange allows for a subsidy and buying directly does not. So, anyone with those policies cannot see your doctor. That sucks, but everyone with Anthem B, C, D, or E, cannot see your doctor. This is whether they buy on the exchange or directly, like I do.

Basically, IF you ever needed the exchange, you/a person, would need to pick an insurance carrier that offered a policy your doctor covers.

And it is worth saying, but Anthem policies offered by employers have FAR better benefits than individual Anthem policies.(On or off exchange)

Does this make more sense?

Insurance is finicky, and a few states like CA, CO, take the cake when it comes to insurance nightmares.

Skydiver Survivor; Battling Breast Cancer one jump at a time. DX June 19th 2014
I have been jumping since October 5th 2013.
https://pinkribbonskydiver.wordpress.com/

[FreefallingCari 0]

Quote

Well, that is discouraging; I thought my problem was triggered by a mistake the CO ACA office made: It sent out 1095-A's for both my dental and medical policies. So I filed my income tax using the combined totals.

Shortly afterward, the CO ACA office informed me the dental 1095-A should not have been generated. So what did the IRS do? It ignored the medical 1095-A and used only the dental 1095-A, (which of course was a tiny fraction of the premiums).

So I sent a letter to the IRS explaining the mistake. They ignored it.

Finally in exasperation, I refiled my 2014 taxes. So now I am being audited, and had to submit yet another copy of the 1095-A which I already sent them. Still waiting for their response.

Ahhh, sounds about right! Seriously, the IRS makes everything so much more difficult.

Skydiver Survivor; Battling Breast Cancer one jump at a time. DX June 19th 2014
I have been jumping since October 5th 2013.
https://pinkribbonskydiver.wordpress.com/

[FreefallingCari 0]

Here is Nurse Cari's Idea for healthcare reform..

**Subsidies are in
I actually do not mind the idea of a subsidy to assist people in paying for insurance premiums. This means that the gov is not directly paying out claims, except for medicare and medicaid.

**Health insurance companies must be Non Profit
I do not like the idea of a single payer, but I also do not like the current state of health insurance. We all like to make a living, and I certainly like to eat and live under a roof. I do not expect for the claims adjusters, Nurses, and the other staff at the insurance company to work for 'free'. With this being stated, Not for profit does not imply that people who work for these companies cannot be paid fairly.

**Malpractice reform
We all see those commercials "Were you injured by XYZ Mesh, or ABC Vagina surgery"..
Guess what fuckers? A 5% complication rate means that someone will have s complication even if the physician follows perfect protocol. People should not be allowed to sue because they had a known complication. Malpractice is for negligence, it is for wrongdoing, so we need to keep it there.

**Price check on aisle 3
Every physician, hospital, etc, should post prices. Sure, insurance may cover a more expensive hospital or physician, but prices can change if more people choose quality care for less. I use a less expensive hospital system because their quality is actually rated better than our higher cost hospital.

**Not an emergency, sorry, see your primary care doc
Allergies acting up? The ER is not your place. Everyone will receive the basic "Is it an emergency check" Vital signs, review of symptoms, how long these have been present, to ensure that no one with an emergency is turned away. Not an emergency? Referral to an Urgent care clinic or PCP can be made right there.

**Hospitals are for getting better, don't like it, then you are discharged for "Non compliance"
Seriously. I have seen Type 2 Diabetics that weigh 400 and 500 pounds stay in the hospital for one MONTH because their BS levels are insane. They are on IV insulin, meanwhile their family, friends, and whomever, bring them cake and crap. It is their "right" to have what they want..
Guess what? If you do not want to get better, and you are given time and help to make changes, then you are discharged for "non compliance". You get paperwork, and statements showing why you are being discharged. Everything is documented, and the person is informed that their discharge could ultimately lead to their demise, but that they would not follow medical advice or treatment.

** No one would be penalized for participating in sports that some may deem as "dangerous"...


Just a few of my ideas..

Skydiver Survivor; Battling Breast Cancer one jump at a time. DX June 19th 2014
I have been jumping since October 5th 2013.
https://pinkribbonskydiver.wordpress.com/

[ryoder 1,382]

I don't have a problem with any of that.

BTW Speaking of "frequent fliers" in ER, when my EMT class was doing rotations in ER's and ambulance ride-alongs, one of my peers told us about a guy who came in when he was on-shift, and a nurse pulled up the guys chart to show him how many times the guy had been in during the past year. I don't recall the number right now, but I do remember it was a couple order of magnitude greater than I could have imagined.

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[headoverheels 291]

FreefallingCari

Does this make more sense?

You have told me nothing that I already did not know.

My original question was in regard to the amount of reimbursements through state-exchange plans, vs. Medicare rates. If significantly lower, I can see why a practice will not take them.

[ryoder 1,382]

headoverheels

***
Does this make more sense?

You have told me nothing that I already did not know.

My original question was in regard to the amount of reimbursements through state-exchange plans, vs. Medicare rates. If significantly lower, I can see why a practice will not take them.

State-exchange don't do reimbursements, nor does ACA dictate what it should be. That is still up to the contracts between healthcare providers and insurers, as it always has been.

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[JohnnyMarko 1]

FreefallingCari

Insurance is finicky, and a few states like CA, CO, take the cake when it comes to insurance nightmares.

Can confirm. Insurance through the Colorado Exchange is a nightmare.

[gowlerk 1,910]

Silly Americans. Of course it's not working. It was never meant to work. It's a ridiculously complicated and convoluted system cobbled together because it was the only thing that could get passed through Congress.

It's a Trojan Horse. Merely the first step along a path. The right wing can bitch and moan about socialism all they want, but America has now started upon a long and fitful journey toward some form of universal, or nearly universal heath care.

Always remember the brave children who died defending your right to bear arms. Freedom is not free.

[jclalor 12]

It's working great in California.



http://www.latimes.com/business/healthcare/la-fi-obamacare-rates-20150727-story.html

[billvon 2,396]

>Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it
>has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or
>the features, its a flat price.

Better yet - go with the Republican plan. Don't replace your current car until it falls apart and you are desperate. Then go to a dealer, get a car for a test drive, then don't take it back and don't pay for it. Declare bankruptcy and make someone else pay for it, like those rich Lexus customers or those greedy car dealers. Problem solved!

[cvfd1399 0]

billvon

>Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it
>has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or
>the features, its a flat price.

Better yet - go with the Republican plan. Don't replace your current car until it falls apart and you are desperate. Then go to a dealer, get a car for a test drive, then don't take it back and don't pay for it. Declare bankruptcy and make someone else pay for it, like those rich Lexus customers or those greedy car dealers. Problem solved!

Republican plan huh. Well I guess the titles sitting in my safe for my 2008 gmc, and 2011 Nissan Murano makes your complete horse shit.

[billvon 2,396]

>Republican plan huh.

Yep. Just go to the ER. They can't turn you away - and you don't have to pay!

Mitt Romney: "Well, we do provide care for people who don't have insurance . . . We pick them up in an ambulance, and take them to the hospital, and give them care."

GWB: "I mean, people have access to health care in America. After all, you just go to an emergency room."

>Well I guess the titles sitting in my safe for my 2008 gmc, and 2011 Nissan
>Murano makes your complete horse shit.

Uh - you do realize what an analogy is, don't you?

[cvfd1399 0]

billvon

>Republican plan huh.

Yep. Just go to the ER. They can't turn you away - and you don't have to pay!

Mitt Romney: "Well, we do provide care for people who don't have insurance . . . We pick them up in an ambulance, and take them to the hospital, and give them care."

GWB: "I mean, people have access to health care in America. After all, you just go to an emergency room."

>Well I guess the titles sitting in my safe for my 2008 gmc, and 2011 Nissan
>Murano makes your complete horse shit.

Uh - you do realize what an analogy is, don't you?

You do realize a great majority of the people we bring to the charity hospital are African American uninsured and most likely democrat so that's 2 strikes for you care for a third.

[SkyDekker 1,121]

cvfd1399

***>Republican plan huh.

Yep. Just go to the ER. They can't turn you away - and you don't have to pay!

Mitt Romney: "Well, we do provide care for people who don't have insurance . . . We pick them up in an ambulance, and take them to the hospital, and give them care."

GWB: "I mean, people have access to health care in America. After all, you just go to an emergency room."

>Well I guess the titles sitting in my safe for my 2008 gmc, and 2011 Nissan
>Murano makes your complete horse shit.

Uh - you do realize what an analogy is, don't you?

You do realize a great majority of the people we bring to the charity hospital are African American uninsured and most likely democrat so that's 2 strikes for you care for a third.

Alex, I'll take what is not understanding an analogy for $1,000

[billvon 2,396]

>>Uh - you do realize what an analogy is, don't you?

>You do realize a great majority of the people we bring to the charity hospital
>are African American uninsured and most likely democrat so that's 2 strikes for
>you care for a third.

So I will take that as a "no."

To take it to that level of discourse - what does a charity hospital have to do with your cars?

[Stumpy 256]

SkyDekker

Alex, I'll take what is not understanding an analogy for $1,000

Never try to eat more than you can lift

[kallend 1,623]

cvfd1399

***>Republican plan huh.

Yep. Just go to the ER. They can't turn you away - and you don't have to pay!

Mitt Romney: "Well, we do provide care for people who don't have insurance . . . We pick them up in an ambulance, and take them to the hospital, and give them care."

GWB: "I mean, people have access to health care in America. After all, you just go to an emergency room."

>Well I guess the titles sitting in my safe for my 2008 gmc, and 2011 Nissan
>Murano makes your complete horse shit.

Uh - you do realize what an analogy is, don't you?

You do realize a great majority of the people we bring to the charity hospital are African American uninsured and most likely democrat so that's 2 strikes for you care for a third.

You Do realize that the GOP's poster girl against the ACA was one Mary Brown, their lead plaintiff in the lawsuit. After the suit had been filed she got sick, and being uninsured, couldn't pay her medical bills so taxpayers had to pick up the tab for her treatment.

...

The only sure way to survive a canopy collision is not to have one.

[rushmc 18]

billvon

>Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it
>has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or
>the features, its a flat price.

Better yet - go with the Republican plan. Don't replace your current car until it falls apart and you are desperate. Then go to a dealer, get a car for a test drive, then don't take it back and don't pay for it. Declare bankruptcy and make someone else pay for it, like those rich Lexus customers or those greedy car dealers. Problem solved!

Republican plan????



Lying comes easy now a days

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[kallend 1,623]

rushmc

***>Well let's regulate car prices then too. If it has 4 wheels and 2 doors its 10,000 if it
>has 4 doors thats 20,000. Doesn't matter the quality of material, the craftsmanship, or
>the features, its a flat price.

Better yet - go with the Republican plan. Don't replace your current car until it falls apart and you are desperate. Then go to a dealer, get a car for a test drive, then don't take it back and don't pay for it. Declare bankruptcy and make someone else pay for it, like those rich Lexus customers or those greedy car dealers. Problem solved!

Republican plan????



The Republican funded lead plaintiff in the anti-ACA lawsuit.

articles.latimes.com/2012/mar/08/nation/la-na-healthcare-plaintiff-20120309

...

The only sure way to survive a canopy collision is not to have one.

[ryoder 1,382]

Stumpy

***

Alex, I'll take what is not understanding an analogy for $1,000

I second this:

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[billvon 2,396]

Another study:

==================
Study: Obamacare has increased Americans’ access to doctors

Updated by Sarah Kliff on July 28, 2015

Obamacare has increased Americans' access to doctors — and reduced the ranks of patients who can't afford medical care, new data published Monday shows.

Federal data has already shown that Obamacare increased the number of Americans with health insurance. This new research, published in the Journal of the American Medical Association, suggests that more coverage has translated into increased access, too.

While that seems intuitive, it was never a foregone conclusion that the Affordable Care Act would increase access to care. Some worried that new patients would swamp doctor offices, or that high-deductible plans would still leave care out of reach for lower-income Americans.

Harvard University's Benjamin Sommers used Gallup survey data on more than 500,000 Americans to understand what's changed for the country under the Affordable Care Act. . . .

Between January 2012 and January 2015, the number of Americans who said they did not have a personal physician fell 3.5 percentage points. There was a 2.4 percentage point decline in those who reported no easy access to medication and a 5.5 percentage point drop in those who reported an inability to afford needed care.

Gains in access to care were highest among minority groups, suggesting that "the ACA may be associated with reductions in long-standing disparities in access to care, one of [its] goals," Sommers writes in the article.
What this means for Obamacare

This new data on patients' access to care is arguably better news for Obamacare than the previous figures showing an increase in Americans carrying insurance coverage. The goal of health reform wasn't to just mail out a bunch of plastic cards with the names of insurance companies; that's a relatively easy task to pull off.

The real goal was to use insurance coverage to expand access to medical care, and get more Americans signed up for health plans that would ease financial burdens. And today's data suggests that's actually happening — that Obamacare's new enrollees are putting those new plastic cards in their wallets to good use.

http://www.vox.com/2015/7/28/9049611/obamacare-doctor-access
===================