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Pensacola Discussion Forum » General Discussion » Something very simple that everyone needs to understand about the term "obamacare".

Something very simple that everyone needs to understand about the term "obamacare".

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PBulldog2
Joanimaroni
cool1
2seaoat
Hospital Bob
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Hospital Bob

Hospital Bob

The reason I'm posting this thread is because it's now apparent to me that not everyone out here understands this.  
It became apparent when more than one friend had a basic misunderstanding about what the concept of "obamacare" actually is.  One said to me: "I thought you had obamacare insurance,  what does that have to do with Blue Cross?"

There is no such a thing as an "obamacare insurance company" or an "obamacare insurance policy".  

The word Obamacare means only two things.

1.  Obamacare is a subsidy.  Not an insurance policy.  It's a subsidy the government pays to help you pay for an insurance policy bought from a private insurance company (and the amount of that subsidy is dependent on the insurance purchaser's income).

2.  Obamacare has mandated that the insurance policy you purchase from an insurance company must meet certain minimum requirements in order for it to be eligible for the subsidy.  Just as one of example of those requirements,  the insurance policy must be made available also to those with pre-existing medical conditions.  And of course there are other requirements.  

I realize this is common knowledge to some, but it's not understood by others.  And probably the reason for that is the media has often characterized the word "Obamacare" as being government insurance like the government is selling you an insurance policy.  It's not.



Last edited by Bob on 1/24/2014, 10:31 am; edited 1 time in total

2seaoat



The use of propaganda techniques to accomplish a specific goal is an age old process. It aims for the low hanging fruit, and it has accomplished its goal as reflected by some of the posts on this forum which separate insurance companies from government programs, and Obamacare becomes government's socialized program independent of insurance companies.

Hospital Bob

Hospital Bob

Bob wrote:

The term best used to explain obamacare is the word "subsidy".  
When the federal government pays a subsidy to farmers,  that doesn't mean the government is doing the farming.  And by the same token,  when the government subsidizes an insurance purchaser,  that doesn't mean the government is doing the actual insuring.

Which of course also explains why the problem I encountered is so damn convoluted.

It only makes sense to cancel an insurance policy and it's the insurance company which should be notified of that cancellation.

It makes absolutely no sense whatever for me to instead cancel a subsidy. Even though that's what BOTH the government and the insurance company are instructing people to do.



Last edited by Bob on 1/24/2014, 10:59 am; edited 1 time in total

2seaoat



Subsidy is about the extent of it, but my use of the word separate is correct because in order for the propaganda to work, insurance companies are extracted and separated from what is rendered a plain and simple socialized government program called Obamacare. Fox News has mastered the propaganda technique, and when people begin real world dealings with the insurance company as you have done, they will slowly disassociate Obamacare from a government program as they wait a half hour on hold talking to their private insurance company. The other component of the subsidy must be the penalty, and that is years away before that component will be in the average person's mindset.

Guest


Guest

The risk corridor bailout will complete the circle. The ins corps are exactly what they have been legislated to be.

See my signature below:

cool1

cool1

I received a call the other day the guy said he was from-ACA----I don't have ins--I told him the State of Florida was going to drop my daughter in June when she turns 18, He asked me a few questions -I told him husband is covered with VA, So he first did my age and came back with a premium of $4So I told him about my daughter and he then said you pay nothing -WWHHHAATTT!!! So he handed the information over to another person under ACA. The man said he had me under flagler something like that -Blue cross blu shield -free Doc--Ok then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA Ins--and doc--visit will cost you $20.

Ok then this Lady calls and says shes following up --OK I said so she started verifying what was said before then all of a sudden she said shit --I said whats wrong she said the Site went down ,  Shocked --So I asked her are you on that Obama web page everyone is talking about -She said yea-then she said Im sorry its late and will you be home in the morning around 9:30-Yes I said -then she said I will call you in the morning -next day I didn't hear from anyone ---yet------------ Laughing ----------- tongue ----Ok I heard they want to put us on AETNA ins.--something like that , But on the news I think they said AETNA was pulling out of it --WTH--I don't understand at all , meanwhile im going to keep the ins my daughter has until I understand what the heck is going on ---So have yall heard or understand what Aetna is up to or understand any of this---- scratch 

Hospital Bob

Hospital Bob

I apologize for my last post to this thread. I intended to submit a new post but I accidentally edited an existing post (which was a reply to seaoat) which deleted my reply to seaoat. So if the thread is now unintelligible to whoever is reading it that's the reason why.
I've done that accidentally before and I hate it when that happens.

Hospital Bob

Hospital Bob

cool1 wrote: then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA

I don't understand that. I'm in Escambia County too and I bought Blue Cross.

Guest


Guest

cool1 wrote:I received a call the other day the guy said he was from-ACA----I don't have ins--I told him the State of Florida was going to drop my daughter in June when she turns 18, He asked me a few questions -I told him husband is covered with VA,  So he first did my age and came back with a premium of $4So I told him about my daughter and he then said you pay nothing -WWHHHAATTT!!!  So he handed the information over to another person under ACA.  The man said he had me under flagler something like that -Blue cross blu shield -free Doc--Ok then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA  Ins--and doc--visit will cost you $20.

Ok then this Lady calls and says shes following up --OK I said so she started verifying what was said before then all of a sudden she said shit --I said whats wrong she said the Site went down ,  Shocked --So I asked her are you on that Obama web page everyone is talking about -She said yea-then she said Im sorry its late and will you be home in the morning around 9:30-Yes I said -then she said I will call you in the morning -next day I didn't hear from anyone ---yet------------ Laughing ----------- tongue ----Ok I heard they want to put us on AETNA ins.--something like that , But on the news I think they said AETNA was pulling out of it --WTH--I don't understand at all , meanwhile im going to keep the ins my daughter has until I understand what the heck is going on ---So have yall heard or understand what Aetna is up to or understand any of this---- scratch 


I don't understand that either because if you qualify for a subsidy you pick which plan you want. If you don't sign up for insurance you'll get a penalty on your tax return which means lost money to you.

Guest


Guest

Bob wrote:
cool1 wrote: then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA

I don't understand that.  I'm in Escambia County too and I bought Blue Cross.  

Did you buy the Blue Select,Bob?

Joanimaroni

Joanimaroni

Bob wrote:I apologize for my last post to this thread.  I intended to submit a new post but I accidentally edited an existing post (which was a reply to seaoat) which deleted my reply to seaoat.  So if the thread is now unintelligible to whoever is reading it that's the reason why.
I've done that accidentally before and I hate it when that happens.



Dammit.

Hospital Bob

Hospital Bob

Dreamsglore wrote:

Did you buy the Blue Select,Bob?

There seems to be some confusion about whether I bought Blue Select or Blue Choice.

Hospital Bob

Hospital Bob

By the way, the healthcare.gov rep I talked to asked me if I have the silver plan.

Why? Because as I understand it the low deductible and cost sharing may only be good until July 1 at which time the copays for doctors go up to $65 for a primary doctor and $100 for specialists and the drug co pays are going up by $20 for each.
Something about the silver plan cost sharing falls under sequester.

But by then I will be long gone from obamacare.

Guest


Guest

by 2seaoat Today at 9:30 am
The use of propaganda techniques to accomplish a specific goal is an age old process. It aims for the low hanging fruit, and it has accomplished its goal as reflected by some of the posts on this forum which separate insurance companies from government programs, and Obamacare becomes government's socialized program independent of insurance companies.
-------
Most of that low hanging fruit is your voter base homey.

PBulldog2

PBulldog2

cool1 wrote:I received a call the other day the guy said he was from-ACA----I don't have ins--I told him the State of Florida was going to drop my daughter in June when she turns 18, He asked me a few questions -I told him husband is covered with VA,  So he first did my age and came back with a premium of $4So I told him about my daughter and he then said you pay nothing -WWHHHAATTT!!!  So he handed the information over to another person under ACA.  The man said he had me under flagler something like that -Blue cross blu shield -free Doc--Ok then he said ooops your in Escambia County -I said yes and then he said well you fall under AETNA  Ins--and doc--visit will cost you $20.

Ok then this Lady calls and says shes following up --OK I said so she started verifying what was said before then all of a sudden she said shit --I said whats wrong she said the Site went down ,  Shocked --So I asked her are you on that Obama web page everyone is talking about -She said yea-then she said Im sorry its late and will you be home in the morning around 9:30-Yes I said -then she said I will call you in the morning -next day I didn't hear from anyone ---yet------------ Laughing ----------- tongue ----Ok I heard they want to put us on AETNA ins.--something like that , But on the news I think they said AETNA was pulling out of it --WTH--I don't understand at all , meanwhile im going to keep the ins my daughter has until I understand what the heck is going on ---So have yall heard or understand what Aetna is up to or understand any of this---- scratch 


Cool.....anybody who calls you stating they are from "ACA" is a fraud. They are trying to obtain personal information from you so they can sell it and/or steal your identity.

The ACA is not an insurance organization. It is a law.

cool1

cool1

Crying or Very sad They said they were from the Affordable Care Act crap-- Shocked 

Guest


Guest

Bob wrote:By the way,  the healthcare.gov rep I talked to asked me if I have the silver plan.

Why?  Because as I understand it the low deductible and cost sharing may only be good until July 1 at which time the copays for doctors go up to $65 for a primary doctor and $100 for specialists and the drug co pays are going up by $20 for each.
Something about the silver plan cost sharing falls under sequester.

But by then I will be long gone from obamacare.

The healthcare rep told you that? Why doesn't PPCCA know that?

cool1

cool1

Bob wrote:
Dreamsglore wrote:

Did you buy the Blue Select,Bob?

There seems to be some confusion about whether I bought Blue Select or Blue Choice.

I don't know they quoted me they said for Bronze Plan , That's all I know --the guy told me an insurance company would call me--but a lady called just to verify , But site went down , haven't heard from them yet again  pale 

Guest


Guest

They're not from the ACA. They are an insurance co. trying to sell a policy through the ACA.

cool1

cool1

I asked them were they an insurance company she said no she said they put information in on the site -then insurance company calls .

Guest


Guest

cool1 wrote:I asked them were they an insurance company she said no she said they put information in on the site -then insurance company calls .

I'm surprised. Maybe they are and trying to reach people who are eligible.

cool1

cool1

Dreamsglore wrote:
cool1 wrote:I asked them were they an insurance company she said no she said they put information in on the site -then insurance company calls .

I'm surprised. Maybe they are and trying to reach people who are eligible.

I think so---Hey there are some things I don't like about Obama but hey if it pans out where I can get insurance and pay for it and actually get to see a Doc--well that's good news for My daughter and I , It cost more with just me , But when they add my daughter it was $ 0 dollars -But I don't mind paying higher and get the best plan yea I sure would I m just in standstill right now --waiting for them to call me so I can find out more --some can make fun of me but hey I have to do what I have to do for my family--- Laughing 
If it turns out I got a great deal with ins-card in hand shoot im gonna be happy I think  Very Happy

Floridatexan

Floridatexan


I would be extremely wary of unsolicited calls right now from any insurance agency...which may or may not be an actual insurance agency. It sounds to me like you were called by a "jobber" trying to set up leads for and be paid by an insurance company. Or, it could just be someone trying to get your personal information.

cool1

cool1

Neutral 

cool1

cool1

They didn't ask for husbands information --just mine and my daughters---and they don't count VA as an income they said -Just the job that's it!! I would think if it were a scam they would want his information since he is the one working--I would think but what do I know  Shocked 

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