The only way our country will ever be able to get control of it's health care costs which is at the heart of the whole crisis.

surfnrg wrote:While the problems with health care in the US are numerous I submit
The main problem is health insurance itself....

Mr. Apple yard has excellent book on this subject from the time health care
Was affordable till now where no matter which way you go health care is unaffordable.

Dreamsglore wrote:

surfnrg wrote:While the problems with health care in the US are numerous I submit
The main problem is health insurance itself....

Mr. Apple yard has excellent book on this subject from the time health care
Was affordable till now where no matter which way you go health care is unaffordable.

Why is it affordable in other countries?

Ghandi wrote:

Dreamsglore wrote:

surfnrg wrote:While the problems with health care in the US are numerous I submit
The main problem is health insurance itself....

Mr. Apple yard has excellent book on this subject from the time health care
Was affordable till now where no matter which way you go health care is unaffordable.

Why is it affordable in other countries?

Other countries don't have obamacare. Are you that stupid?

PkrBum wrote:Insurance would have never priced itself out of biz without the govt involvement and programs.

I wonder if they realize that this is the end game... perhaps they planned to be nationalized the whole time.

Dreamsglore wrote:

Ghandi wrote:

Dreamsglore wrote:

surfnrg wrote:While the problems with health care in the US are numerous I submit
The main problem is health insurance itself....

Mr. Apple yard has excellent book on this subject from the time health care
Was affordable till now where no matter which way you go health care is unaffordable.

Why is it affordable in other countries?

Other countries don't have obamacare. Are you that stupid?

Stay on the porch,little dog. You're way out of your league.

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:Below are the plans apparently approved already in Texas by Humana:

A family of 4 - parents both age 40, 2 kids ages 6 & 10, zip code 78708

Platinum - $0 deductible - $2852 monthly
Gold - $0 deductible - $2576 monthly
Silver - $0 deductible - $1656
Bronze with a $6,250 deductible - $1034 monthly
Bronze HSA - $4,250 deductible - $925 monthly
And those all say "HMO" on them, and the prescriptions must be filled at Wal-mart.


Contrast that to current traditional plans with a much larger network:
Enhanced Copay 80% plan - $1000 deductible - $788 monthly
Enhanced HSA 100% plan - $5,000 deductible - $516 monthly


On the Bronze at $1034 monthly, the brief summary of benefits says:
Annual deductible of:
$6,250 - you pay $1,034.91/month

Diagnostic illness/injury office visits are included with your plan for a copay for the first 6 visits; there is a $35 copay for a primary care physician visit and a $60 copay for a specialist, $60 for an urgent care visit to a Concentra Clinic and $100 for an urgent care visit to a Non-Concentra Clinic. The plan pays 100% after you pay your deductible for all additional visits
100% coverage for preventive care office visits for primary care physician

Inpatient and outpatient hospital services are paid at 100% after deductible for covered expenses

Prescription coverage included with separate deductible and copays (see details below)


What's the medical deductible?

Individual coverage annual medical deductible: $6,250
Family coverage annual medical deductible: $12,500
Copays do not apply to the deductible
Expenses applied to the medical deductible won't apply to the prescription drug deductible
What’s the coverage for preventive care services?

Plan pays 100% on all in-network preventive care services provided by your primary care physician before you have met your deductible. This includes preventive office visits, lab and X-rays.

What's the coverage for diagnostic illness or injury office visits?

For the first 6 visits the plan pays 100% of covered expenses after your $35 copay for office visits to your in-network primary care physician. Copays for in-network urgent care visits to a Concentra Clinic are $60 and Non-Concentra Clinics are $100. Copays for in-network specialists visits are $60 and require a referral from your primary care physician. After your first 6 visits the plan pays 100% after you pay your deductible.

What's the coverage for lab and x-rays?

For diagnostic labs or X-rays during an office visit or urgent care visit the plan covers the first $500 per person then 100% after you pay your deductible.

What's the coinsurance percentage for hospital services?

For in-network inpatient services, once you meet your annual deductible, this plan pays 100% coinsurance for most covered medical expenses from in-network providers. For in-network outpatient services your plan covers the first $500 per person for labs and X-rays and then pays 100% after you pay your deductible.

What's the coverage for emergency room services?

Your plan pays 100% of covered expenses, once you meet your deductible.

Does the plan include prescription drug coverage?

Yes prescription coverage is included with the coverage outline below.

There is a $1,500 deductible which is separate from your medical deductible. The prescription drug deductible does not apply to Level One drugs.
Prescriptions must be filled at Walmart pharmacies or through mail-order service at RightSourceRx.com
If you use an out-of-network pharmacy, there is no coverage
Prescription drug deductibles and copays apply to the plan out-of-pocket maximum
Plan pays 100% for covered services after the plan out-of-pocket maximum is satisfied
Drug levels and copays
$5 copay for Level One: Preferred generics
$25 copay for Level Two: Non-preferred generics
$65 copay for Level Three: Preferred brands
50% for Level Four: Non-preferred brands
50% for Level Five: Specialty drugs
To find out what level your prescription is in, visitHumana.comand select Drug List under Insurance for Individuals

They won't be paying $1062 a month.That's just silly and wrong.You left out the Govt. will subsidize the payment and you will wind up paying about 30% of that.

The above plans aren't exchange plans so they won't be subsidized, you don't have to go thru the any exchange, you can still purchase outside the exchange.

Why would you go outside the exchange then and pay more? That doesn't make any sense. Fl. will have an exchange.It will just be run by the Govt.

Jesus Christ, hello anyone home up there? If you do not qualify for a subsidy why the hell would you purchase in the exchange. Again Florida has to put their citizens into the Federal Faciliated Exchange Florida will not have an exchange.

It is my understanding anyone can purchase from the exchange as it will be competitive. Why would you purchase outside of something that would be more expensive? The whole purpose of exchanges is to bring down healthcare costs. So you're saying people w/o subsidies will have to pay more for their insurance outside the exchange.? No, you're not giving correct info.I think you're trying to split hairs here. Fl. will have an exchange run by the govt. whether it's a federal exchange everyone participates in or not Fl. will still be in an exchange.

when you have been in the insurance business as long as 20 years and have studied the PPACA then you may be qualified to give advice. But for now, the only thing you know is that there will be federal exchange in Florida and some people will qualify for a subsidy. I am giving the correct information. The prez can say anything he wants that it will cheaper in the exchange and it will for a very small percentage of people and not everyone can purchase on the exchange.

Nobody gave advice. I can read like most Americans. Just goes to show you don't believe what people post here on the forums.You will be greatly misled.

http://www.politifact.com/truth-o-meter/promises/obameter/promise/520/if-you-dont-have-insurance-or-dont-insurance-you-h/

That article is funny, dated in March 2012 and there has been too many intrepretations and final rules written on each part since then. Good luck if you believe those articles, a little is true but not most of it. You will see miss know it all.

So I guess we should believe your interpretation over Factcheck,huh? You wouldn't be a Republican, would you? I'd take bets on it.

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:

Dreamsglore wrote:

doubtingthomas wrote:Below are the plans apparently approved already in Texas by Humana:

A family of 4 - parents both age 40, 2 kids ages 6 & 10, zip code 78708

Platinum - $0 deductible - $2852 monthly
Gold - $0 deductible - $2576 monthly
Silver - $0 deductible - $1656
Bronze with a $6,250 deductible - $1034 monthly
Bronze HSA - $4,250 deductible - $925 monthly
And those all say "HMO" on them, and the prescriptions must be filled at Wal-mart.


Contrast that to current traditional plans with a much larger network:
Enhanced Copay 80% plan - $1000 deductible - $788 monthly
Enhanced HSA 100% plan - $5,000 deductible - $516 monthly


On the Bronze at $1034 monthly, the brief summary of benefits says:
Annual deductible of:
$6,250 - you pay $1,034.91/month

Diagnostic illness/injury office visits are included with your plan for a copay for the first 6 visits; there is a $35 copay for a primary care physician visit and a $60 copay for a specialist, $60 for an urgent care visit to a Concentra Clinic and $100 for an urgent care visit to a Non-Concentra Clinic. The plan pays 100% after you pay your deductible for all additional visits
100% coverage for preventive care office visits for primary care physician

Inpatient and outpatient hospital services are paid at 100% after deductible for covered expenses

Prescription coverage included with separate deductible and copays (see details below)


What's the medical deductible?

Individual coverage annual medical deductible: $6,250
Family coverage annual medical deductible: $12,500
Copays do not apply to the deductible
Expenses applied to the medical deductible won't apply to the prescription drug deductible
What’s the coverage for preventive care services?

Plan pays 100% on all in-network preventive care services provided by your primary care physician before you have met your deductible. This includes preventive office visits, lab and X-rays.

What's the coverage for diagnostic illness or injury office visits?

For the first 6 visits the plan pays 100% of covered expenses after your $35 copay for office visits to your in-network primary care physician. Copays for in-network urgent care visits to a Concentra Clinic are $60 and Non-Concentra Clinics are $100. Copays for in-network specialists visits are $60 and require a referral from your primary care physician. After your first 6 visits the plan pays 100% after you pay your deductible.

What's the coverage for lab and x-rays?

For diagnostic labs or X-rays during an office visit or urgent care visit the plan covers the first $500 per person then 100% after you pay your deductible.

What's the coinsurance percentage for hospital services?

For in-network inpatient services, once you meet your annual deductible, this plan pays 100% coinsurance for most covered medical expenses from in-network providers. For in-network outpatient services your plan covers the first $500 per person for labs and X-rays and then pays 100% after you pay your deductible.

What's the coverage for emergency room services?

Your plan pays 100% of covered expenses, once you meet your deductible.

Does the plan include prescription drug coverage?

Yes prescription coverage is included with the coverage outline below.

There is a $1,500 deductible which is separate from your medical deductible. The prescription drug deductible does not apply to Level One drugs.
Prescriptions must be filled at Walmart pharmacies or through mail-order service at RightSourceRx.com
If you use an out-of-network pharmacy, there is no coverage
Prescription drug deductibles and copays apply to the plan out-of-pocket maximum
Plan pays 100% for covered services after the plan out-of-pocket maximum is satisfied
Drug levels and copays
$5 copay for Level One: Preferred generics
$25 copay for Level Two: Non-preferred generics
$65 copay for Level Three: Preferred brands
50% for Level Four: Non-preferred brands
50% for Level Five: Specialty drugs
To find out what level your prescription is in, visitHumana.comand select Drug List under Insurance for Individuals

They won't be paying $1062 a month.That's just silly and wrong.You left out the Govt. will subsidize the payment and you will wind up paying about 30% of that.

The above plans aren't exchange plans so they won't be subsidized, you don't have to go thru the any exchange, you can still purchase outside the exchange.

Why would you go outside the exchange then and pay more? That doesn't make any sense. Fl. will have an exchange.It will just be run by the Govt.

Jesus Christ, hello anyone home up there? If you do not qualify for a subsidy why the hell would you purchase in the exchange. Again Florida has to put their citizens into the Federal Faciliated Exchange Florida will not have an exchange.

It is my understanding anyone can purchase from the exchange as it will be competitive. Why would you purchase outside of something that would be more expensive? The whole purpose of exchanges is to bring down healthcare costs. So you're saying people w/o subsidies will have to pay more for their insurance outside the exchange.? No, you're not giving correct info.I think you're trying to split hairs here. Fl. will have an exchange run by the govt. whether it's a federal exchange everyone participates in or not Fl. will still be in an exchange.

when you have been in the insurance business as long as 20 years and have studied the PPACA then you may be qualified to give advice. But for now, the only thing you know is that there will be federal exchange in Florida and some people will qualify for a subsidy. I am giving the correct information. The prez can say anything he wants that it will cheaper in the exchange and it will for a very small percentage of people and not everyone can purchase on the exchange.

Nobody gave advice. I can read like most Americans. Just goes to show you don't believe what people post here on the forums.You will be greatly misled.

http://www.politifact.com/truth-o-meter/promises/obameter/promise/520/if-you-dont-have-insurance-or-dont-insurance-you-h/

That article is funny, dated in March 2012 and there has been too many intrepretations and final rules written on each part since then. Good luck if you believe those articles, a little is true but not most of it. You will see miss know it all.

So I guess we should believe your interpretation over Factcheck,huh? You wouldn't be a Republican, would you? I'd take bets on it.

Look at the damn date on that factcheck, things have changed greatly since then. Here's one thing that has changed and it's just not quoted on huffington post.

http://www.huffingtonpost.com/2013/01/30/obamacare-glitch-priced-out-of-health-care_n_2585695.html