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Very unaffordable....Obamacare and spiraling out of control

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knothead
KarlRove
6 posters

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KarlRove

KarlRove

What good is insurance if you can't afford to use it? At least without it, you might have saved the astronomical premiums you had to pay for actual hospital bills. Now people cannot even do that.


http://hotair.com/archives/2015/05/23/no-biggie-your-obamacare-premiums-are-going-up-way-up-in-some-cases/

2seaoat



Healthcare inflation has slowed, and that is the bottom line.....Thank you President Obama.

Guest


Guest

Reform and Inform.

This would be a great message if a Republican had plan to do it.

What is in place is in place. Work to better the plan. Work to make healthcare more affordable. Work to cut out the red tape for people who are trying to have procedures done. Stop the horror stories of insurance denying procedures that a doctor deems medically necessary.

KarlRove

KarlRove

No we don't have to have a better plan. We have to have one sold as it was advertised. So Seaoat, if 50-60% rise in premiums is low inflation,
I hate to see your definition of high inflation. Not everyone had your means son.

KarlRove

KarlRove

Very unaffordable....Obamacare and spiraling out of control 11140276_773288809458266_8637867252573257046_n

2seaoat



The rates are raising at a slower rate than they did prior to the subsidies, and again, I have NOT heard one person complaining. Have you? Real world.....do you have a story? I just know about twenty people who have been able to retire early because of the Affordable Care Act, and most are republicans and they are very happy with their new found freedom and the affordable health care they now have available because many have preexisting conditions. Thank you President Obama. Nobody else could get it done post WWII, yet he somehow helped millions of Americans.

dumpcare



Not taking any sides here but seaoat I suggest you go to this forum and read the healthcare reform and individual health insurance threads and yes the filings are in for Florida and some insurance company's have asked for 38% plus rate increases on their ACA plans.

http://www.insurance-forums.net/forum/

knothead

knothead

I am not the first to say it but I listen to CSpan quite a lot and during a discussion of the ACA yesterday many callers commented that a single payer system is the only viable way to further improve healthcare needs of the American people . . . . . I agree. The insurance lobby will kill those efforts but nevertheless it is THE way to go . . . .

gatorfan



2seaoat wrote:Healthcare inflation has slowed, and that is the bottom line.....Thank you President Obama.

Hmmm, I wonder who will end paying for this? Thank you Pres. Obama....

"Overhead costs exploding under ObamaCare, study finds"

Five years after the passage of ObamaCare, there is one expense that’s still causing sticker shock across the healthcare industry: overhead costs.

The administrative costs for healthcare plans are expected to explode by more than a quarter of a trillion dollars over the next decade, according to a new study published by the Health Affairs blog.

The $270 billion in new costs, for both private insurance companies and government programs, will be “over and above what would have been expected had the law not been enacted,” one of the authors, David Himmelstein, wrote Wednesday.

Those costs will be particularly high this year, when overhead is expected to make up 45 percent of all federal spending related to the Affordable Care Act. By 2022, that ratio will decrease to about 20 percent of federal spending related to the law.
The study is based on data from both the government’s National Health Expenditure Projections and the Congressional Budget Office. Both authors are members of Physicians for a National Health Program, which advocates for a single-payer system.

"This number – 22.5 percent of all new spending going into overheard – is shocking even to me, to be honest. It’s almost one out of every four dollars is just going to bureaucracy," the study's other author, Steffie Woolhandler, said Wednesday.

She said private insurers have been expanding their administrative overhead despite some regulations from the Obama administration to control those costs, such as the medical loss ratio, which requires a certain amount of premium dollars to be spent directly on healthcare. She argues that a better approach would be a type of Medicare-for-all system.

The extra administrative costs amount to the equivalent of $1,375 per newly insured person per year, the authors write.

About two-thirds of the new overhead costs are the result of rising enrollment in private plans, which the authors say carries “high costs for administration and profits.”

The rest is the result of expanded government programs, such as Medicaid. It also includes the cost of running ObamaCare exchanges at both the federal and state levels.

The federal exchange, as well as the 13 state-run exchanges, have all been boosted by grant money, though those funds will run out by 2016. The exchange will then need to rely on fees to plan premiums.

http://thehill.com/policy/healthcare/243188-overhead-costs-exploding-under-obamacare

KarlRove

KarlRove

The Dems are going to defend this goatrope as if it were the end of the world. It might truly sink the economy and the costs to people making 25-30% less than their prerecession wages are the folks who can afford it the least. What would a family do if it had $400-500 more dollars a month to spend? Where would that money get spent? Maybe in the economy? Now they are spending it on insurance they can't afford to use because in addition to a huge premium, they have deductibles of 3000-5000 to meet on top of the aforementioned premiums. Who can afford that? How is this better than what we had before?

dumpcare



knothead wrote:I am not the first to say it but I listen to CSpan quite a lot and during a discussion of the ACA yesterday many callers commented that a single payer system is the only viable way to further improve healthcare needs of the American people . . . . . I agree.  The insurance lobby will kill those efforts but nevertheless it is THE way to go . . . .

If the insurance company's were smart they should welcome a single payer, the supplemental business would go through the roof as secondary and make them a hell of a lot more than what we have now. Medicare 80% supplemental 20% paying would save a ton of money.

Markle

Markle

ppaca wrote:
knothead wrote:I am not the first to say it but I listen to CSpan quite a lot and during a discussion of the ACA yesterday many callers commented that a single payer system is the only viable way to further improve healthcare needs of the American people . . . . . I agree.  The insurance lobby will kill those efforts but nevertheless it is THE way to go . . . .

If the insurance company's were smart they should welcome a single payer, the supplemental business would go through the roof as secondary and make them a hell of a lot more than what we have now. Medicare 80% supplemental 20% paying would save a ton of money.

Yes, like the Single Payer system they have in Great Britain with the death path you can be placed on without your, or your families, knowledge.

You do know that Medicare has a huge unfunded liability do you not?

I hope you're young so you can keep on paying for me.

dumpcare



Well since I'm only 38 I would suspect the Medicare liability is everyone that is 70 plus, so you know what that means Markle? Someone has to be the first to go so you start the train and save us younger folks who know nossing about Medicare some dollar's.

Did you not say one time you were on a Medicare Advantage plan?

Have fun enjoying your single payer system you are most definitely are on at the present.

dumpcare



https://apps8.fldfs.com/IFileExternalSearch

Markle

Markle

ppaca wrote:Well since I'm only 38 I would suspect the Medicare liability is everyone that is 70 plus, so you know what that means Markle? Someone has to be the first to go so you start the train and save us younger folks who know nossing about Medicare some dollar's.

Did you not say one time you were on a Medicare Advantage plan?

Have fun enjoying your single payer system you are most definitely are on at the present.

It is not single payer.

Been on Medicare Advantage for about seven years and it is GREAT!.  My Medicare Advantage payments go to the same HMO I've used for decades, I have the same doctor and specialists.

It saves me well over $1,000 - $1,500 a month from what my insurance payments would be at my age.

THANK YOU for your kind payments.

In spite of those payments leaving you with an immense, unpayable debt.



Last edited by Markle on 5/28/2015, 9:58 pm; edited 1 time in total

dumpcare



The Medicare advantage plan saves you approximately $300 per month or $3600 per year in supplement and Part D premium's. Figured on a plan F for your area.  

Your Part B of Medicare premium's are being sent to your HMO monthly plus around $9000 a year from Medicare for your HMO to handle your health care. That is pretty damn close to a single payer system. Medicare is out of the picture when you are on a Medicare Advantage plan except for a very few circumstance's. The Medicare Advantage plan replaces your Medicare but you still have to pay that Part B premium.

If your HMO is not an open access you have zero coverage our of your little network except if you're away from your area and have an emergency, which is normally determined in the end by the HMO. As soon as you are stabilized outside your area the HMO will demand they ship you back to Tally. You must be on that Capital Health Plan. Not many HMO's up their in Tally.

Markle

Markle

ppaca wrote:The Medicare advantage plan saves you approximately $300 per month or $3600 per year in supplement and Part D premium's. Figured on a plan F for your area.  

Your Part B of Medicare premium's are being sent to your HMO monthly plus around $9000 a year from Medicare for your HMO to handle your health care. That is pretty damn close to a single payer system. Medicare is out of the picture when you are on a Medicare Advantage plan except for a very few circumstance's. The Medicare Advantage plan replaces your Medicare but you still have to pay that Part B premium.

If your HMO is not an open access you have zero coverage our of your little network except if you're away from your area and have an emergency, which is normally determined in the end by the HMO. As soon as you are stabilized outside your area the HMO will demand they ship you back to Tally. You must be on that Capital Health Plan. Not many HMO's up their in Tally.

I have no clue what your word salad was supposed to mean.

Yes, I have CHP and love it.  Especially when I take into consideration the fact that the government pays more than $18,000 a year toward my health care.

Money they are borrowing from you. Thanks!

2seaoat



Medicare for all is the only answer, however in Illinois I have not heard young or old complaining about premiums.  Most of the people I talk to are early retirement folks who had themselves or spouse working to keep insurance on preexisting conditions.  They are also pretty well set, and always get the best policies......they are all grins and happy with the ACA......a national sales tax and medicare for all, and the problems of our health care system would melt.  People first.

KarlRove

KarlRove

2seaoat wrote:Medicare for all is the only answer, however in Illinois I have not heard young or old complaining about premiums.  Most of the people I talk to are early retirement folks who had themselves or spouse working to keep insurance on preexisting conditions.  They are also pretty well set, and always get the best policies......they are all grins and happy with the ACA......a national sales tax and medicare for all, and the problems of our health care system would melt.  People first.

you and your friends seem to be missing out on the pain and suffering others are fscing....out of touch u r

Markle

Markle

2seaoat wrote:Medicare for all is the only answer, however in Illinois I have not heard young or old complaining about premiums.  Most of the people I talk to are early retirement folks who had themselves or spouse working to keep insurance on preexisting conditions.  They are also pretty well set, and always get the best policies......they are all grins and happy with the ACA......a national sales tax and medicare for all, and the problems of our health care system would melt.  People first.

Costs are skyrocketing already and you WANT even more.  Gimmie, gimmie, gimmie.

Many other governments have instituted a "small" national sales tax also called a Value Added Tax.  They started at a 3 or 4% level and are now up to 19-20%.  Sounds like a plan!

Who would choose who were on the death panels. You know, like Great Britain?

dumpcare



http://www.msn.com/en-us/news/money/obamacare-brings-dollar273-billion-bonanza-for-paper-pushers/ar-BBkmf95

dumpcare



Markle wrote:
ppaca wrote:The Medicare advantage plan saves you approximately $300 per month or $3600 per year in supplement and Part D premium's. Figured on a plan F for your area.  

Your Part B of Medicare premium's are being sent to your HMO monthly plus around $9000 a year from Medicare for your HMO to handle your health care. That is pretty damn close to a single payer system. Medicare is out of the picture when you are on a Medicare Advantage plan except for a very few circumstance's. The Medicare Advantage plan replaces your Medicare but you still have to pay that Part B premium.

If your HMO is not an open access you have zero coverage our of your little network except if you're away from your area and have an emergency, which is normally determined in the end by the HMO. As soon as you are stabilized outside your area the HMO will demand they ship you back to Tally. You must be on that Capital Health Plan. Not many HMO's up their in Tally.

I have no clue what your word salad was supposed to mean.

Yes, I have CHP and love it.  Especially when I take into consideration the fact that the government pays more than $18,000 a year toward my health care.

Money they are borrowing from you.  Thanks!


Where is the word Salad? I cannot find it in what I wrote, but's it's early.

Where you get your figures I have no idea, but the govt plus your part B premium to chp is approximately $9 to $10 grand a year. This is subsidized money and greatly expanded by your boy GWB in Medicare act of 2003 that implemented Part D, remember that? Sort of like obamacare for senior's but it's bushcare.

2seaoat



In the report, the researchers push for adopting a universal single-payer system, saying that it would significantly scale back on administrative costs.

There is the answer.  Medicare for all.  A simple three percent sales tax and traditional payroll deduction and every Americans has full coverage.  Have you ever heard a complaint from someone who is on medicare?  Nope, and Mr. Markle's argument that we cannot afford a more efficient system is absurd on the face.   Revenues raised and paid, and taking the load off the private sector who will have greater profits and the ability to grow our economy.  There is no logical argument against Medicare for all.....except the insurance companies will be restricted to the supplemental policies and will lose eighty percent of their profit.

dumpcare



2seaoat wrote:In the report, the researchers push for adopting a universal single-payer system, saying that it would significantly scale back on administrative costs.

There is the answer.  Medicare for all.  A simple three percent sales tax and traditional payroll deduction and every Americans has full coverage.  Have you ever heard a complaint from someone who is on medicare?  Nope, and Mr. Markle's argument that we cannot afford a more efficient system is absurd on the face.   Revenues raised and paid, and taking the load off the private sector who will have greater profits and the ability to grow our economy.  There is no logical argument against Medicare for all.....except the insurance companies will be restricted to the supplemental policies and will lose eighty percent of their profit.

Don't you worry seaoat the major insurer's could roll in the profits with supplements and Medicare Advantage plan. They're only on the hook for 20% of your claims on a supplement and believe me on a Med Advantage plan they pay no more than Medicare would have paid, which is very little. These plans are profitable.

BTW Mr Markle if you bothered to look at my profile you would see I am 67 and not 38. I have been studying Medicare and holding Medicare seminar's for year's for a major insurer.

Watch out for the hospital observation charges that hospitals have been sneaking in the past 5 years.

Markle

Markle

ppaca wrote:
Markle wrote:
ppaca wrote:The Medicare advantage plan saves you approximately $300 per month or $3600 per year in supplement and Part D premium's. Figured on a plan F for your area.  

Your Part B of Medicare premium's are being sent to your HMO monthly plus around $9000 a year from Medicare for your HMO to handle your health care. That is pretty damn close to a single payer system. Medicare is out of the picture when you are on a Medicare Advantage plan except for a very few circumstance's. The Medicare Advantage plan replaces your Medicare but you still have to pay that Part B premium.

If your HMO is not an open access you have zero coverage our of your little network except if you're away from your area and have an emergency, which is normally determined in the end by the HMO. As soon as you are stabilized outside your area the HMO will demand they ship you back to Tally. You must be on that Capital Health Plan. Not many HMO's up their in Tally.

I have no clue what your word salad was supposed to mean.

Yes, I have CHP and love it.  Especially when I take into consideration the fact that the government pays more than $18,000 a year toward my health care.

Money they are borrowing from you.  Thanks!


Where is the word Salad? I cannot find it in what I wrote, but's it's early.

Where you get your figures I have no idea, but the govt plus your part B premium to chp is approximately $9 to $10 grand a year. This is subsidized money and greatly expanded by your boy GWB in Medicare act of 2003 that implemented Part D, remember that? Sort of like obamacare for senior's but it's bushcare.

I never supported Medicare Part "D" because there was no funding and I knew the costs were going to skyrocket to unaffordable levels.  I am right.

My figures come from what I was paying prior to Medicare taking over my premiums.

FYI....

word salad
noun
1. incoherent speech consisting of both real and imaginary words, lacking comprehensive meaning, and occurring in advanced schizophrenic states.

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