Obamacare ACA (Affordable Care Act)

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

My ACA premiums went up $7/month this year.  

Oh...and Temple-n-groove....the subsidies are STILL there

My premiums went up almost 20% this upcoming year...

I will be at almost $1200 a month for a single person, gold plan in NY...

Why gold plan?  

Regardless...20% has been the norm most years

Gold Plan fit my needs best.

The plan started off at around $800 5 years ago.

Somewhere on here I have my yearly increases.

Just curious....I'm bronze and pay $1,400/month for four of us

That is a lot of out of pocket for you though.  I did not want that.

On another note.  As bad as it is I do not want Trump messing with anything and to leave preexisting conditions alone.

Gern Blansten

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

My ACA premiums went up $7/month this year.  

Oh...and Temple-n-groove....the subsidies are STILL there

My premiums went up almost 20% this upcoming year...

I will be at almost $1200 a month for a single person, gold plan in NY...

Why gold plan?  

Regardless...20% has been the norm most years

Gold Plan fit my needs best.

The plan started off at around $800 5 years ago.

Somewhere on here I have my yearly increases.

Just curious....I'm bronze and pay $1,400/month for four of us

That is a lot of out of pocket for you though.  I did not want that.

On another note.  As bad as it is I do not want Trump messing with anything and to leave preexisting conditions alone.

But luckily we are relatively healthy...so I don't have much out of pocket at all.  Plus we have a health savings account so anything out of pocket comes out of there.

If you went to bronze and put the difference in a savings account the out of pocket takes care of itself.

But I do understand that gold might be better if you have some health issues to deal with consistently

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

My ACA premiums went up $7/month this year.  

Oh...and Temple-n-groove....the subsidies are STILL there

My premiums went up almost 20% this upcoming year...

I will be at almost $1200 a month for a single person, gold plan in NY...

Why gold plan?  

Regardless...20% has been the norm most years

Gold Plan fit my needs best.

The plan started off at around $800 5 years ago.

Somewhere on here I have my yearly increases.

Just curious....I'm bronze and pay $1,400/month for four of us

That is a lot of out of pocket for you though.  I did not want that.

On another note.  As bad as it is I do not want Trump messing with anything and to leave preexisting conditions alone.

But luckily we are relatively healthy...so I don't have much out of pocket at all.  Plus we have a health savings account so anything out of pocket comes out of there.

If you went to bronze and put the difference in a savings account the out of pocket takes care of itself.

But I do understand that gold might be better if you have some health issues to deal with consistently

My company buys my health insurance.  I am pretty healthy too.  I wanted to have an insurance package that closely resembled my previous one where I paid next to nothing out of pocket.

Gern Blansten

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

My ACA premiums went up $7/month this year.  

Oh...and Temple-n-groove....the subsidies are STILL there

My premiums went up almost 20% this upcoming year...

I will be at almost $1200 a month for a single person, gold plan in NY...

Why gold plan?  

Regardless...20% has been the norm most years

Gold Plan fit my needs best.

The plan started off at around $800 5 years ago.

Somewhere on here I have my yearly increases.

Just curious....I'm bronze and pay $1,400/month for four of us

That is a lot of out of pocket for you though.  I did not want that.

On another note.  As bad as it is I do not want Trump messing with anything and to leave preexisting conditions alone.

But luckily we are relatively healthy...so I don't have much out of pocket at all.  Plus we have a health savings account so anything out of pocket comes out of there.

If you went to bronze and put the difference in a savings account the out of pocket takes care of itself.

But I do understand that gold might be better if you have some health issues to deal with consistently

My company buys my health insurance.  I am pretty healthy too.  I wanted to have an insurance package that closely resembled my previous one where I paid next to nothing out of pocket.

LOL...I guess I can't get outside of this box.

If it is employer provided then yes I wouldn't change.  

Halifax2TheMax

Still waiting for Team Trump Treason’s health plan he promised in two weeks four weeks ago.

Gern Blansten

Halifax2TheMax said:

Still waiting for Team Trump Treason’s health plan he promised in two weeks four weeks ago.

I don't understand why the press isn't hammering him on this.  They should be asking McConnell what health care plan is being worked on to keep this on the burner.  It makes people attempt to explain tRump's bullshit deadline.

gimmesometruth27

Gern Blansten said:

Halifax2TheMax said:

Still waiting for Team Trump Treason’s health plan he promised in two weeks four weeks ago.

I don't understand why the press isn't hammering him on this.  They should be asking McConnell what health care plan is being worked on to keep this on the burner.  It makes people attempt to explain tRump's bullshit deadline.

the press can't be bothered to ask substantive questions. the best question anybody has asked was last week when the guy asked if trump feels bad about all of the lies to the american people. if someone asks about this plan trump will just say "we are gonna repeal obamacare and replace it with something tremendous" and move on to the next reporter.

Meltdown99

You should give universal health care a try???its not so bad.  At least we don’t have to deal with crooked insurance companies...

Gern Blansten

Meltdown99 said:

You should give universal health care a try???its not so bad.  At least we don’t have to deal with crooked insurance companies...

Exactly....we'll get there at some point.  We are just too stupid right now.

static111

Gern Blansten said:

Meltdown99 said:

You should give universal health care a try???its not so bad.  At least we don’t have to deal with crooked insurance companies...

Exactly....we'll get there at some point.  We are just too stupid right now.

Shed a tear for the lost profits of the insurance companies.

stuckinline

https://www.cnbc.com/2020/08/19/supreme-court-to-hear-challenge-to-obamacare-week-after-election-day.html

mace1229

I was reminded last night of how our system is so awful.
My wife had an allergic reaction to medication that she never had before. She was breaking out in hives, but the main concern was her chest was tightening and having difficulty breathing. Called her dr, they said to to the ER right now. I drove her to the ER, dropped her off at the front door while I parked. 

I ran towards the entrance hoping to catch her before being rushed back, only to find her struggling to breathe at the entrance waiting in line to go through the metal detector. I shouted out how ridiculous it was and that we needed to get through now. The guard rolled his eyes, made us wait until the man in front of us was completely cleared, then waved us through only to tell us to wait in line to check in. My wife later told me when she first arrived she said she can’t breath and asked to go through to which he responded “sweetheart, we all got problems.”

Now at the check in line where they collect all your insurance info, I walked to the front and politely said my wife can’t breath and needs to be seen. No response. My wife collapses to the floor and I asked again. No response. I began yelling as loud as I could “my wife is having an allergic reaction and can’t breath and is on the floor, we won’t wait in line, we need someone now.” I was asked to calm down. I yelled out again. I was asked to calm down again. I repeated she can’t breath and I won’t calm down until someone sees her. Finally a nurse came to assist us. 

Unfortunately this isn’t the first time we experienced treatment like this. Most people I know have a horror ER story they can share.

This is a system where hospitals compete for business. Or at least in theory, we have limited choices with our insurance. And I don’t chose my insurance, my employer does. My biggest fear about hospitals being run by the same people who run the DMV is how much worse would it get?

The more times I see a doctor the more I don’t like insurance at all. Stop price gauging medical treatment and the average family wouldn’t need insurance, especially with the money we’d save without it. 

tbergs

mace1229 said:

I was reminded last night of how our system is so awful.
My wife had an allergic reaction to medication that she never had before. She was breaking out in hives, but the main concern was her chest was tightening and having difficulty breathing. Called her dr, they said to to the ER right now. I drove her to the ER, dropped her off at the front door while I parked. 

I ran towards the entrance hoping to catch her before being rushed back, only to find her struggling to breathe at the entrance waiting in line to go through the metal detector. I shouted out how ridiculous it was and that we needed to get through now. The guard rolled his eyes, made us wait until the man in front of us was completely cleared, then waved us through only to tell us to wait in line to check in. My wife later told me when she first arrived she said she can’t breath and asked to go through to which he responded “sweetheart, we all got problems.”

Now at the check in line where they collect all your insurance info, I walked to the front and politely said my wife can’t breath and needs to be seen. No response. My wife collapses to the floor and I asked again. No response. I began yelling as loud as I could “my wife is having an allergic reaction and can’t breath and is on the floor, we won’t wait in line, we need someone now.” I was asked to calm down. I yelled out again. I was asked to calm down again. I repeated she can’t breath and I won’t calm down until someone sees her. Finally a nurse came to assist us. 

Unfortunately this isn’t the first time we experienced treatment like this. Most people I know have a horror ER story they can share.

This is a system where hospitals compete for business. Or at least in theory, we have limited choices with our insurance. And I don’t chose my insurance, my employer does. My biggest fear about hospitals being run by the same people who run the DMV is how much worse would it get?

The more times I see a doctor the more I don’t like insurance at all. Stop price gauging medical treatment and the average family wouldn’t need insurance, especially with the money we’d save without it. 

Oh my god, that is awful Mace. I can't imagine how terrible and scary that all was. I would have been livid. I hope your wife is doing ok.

Gern Blansten

mace1229 said:

I was reminded last night of how our system is so awful.
My wife had an allergic reaction to medication that she never had before. She was breaking out in hives, but the main concern was her chest was tightening and having difficulty breathing. Called her dr, they said to to the ER right now. I drove her to the ER, dropped her off at the front door while I parked. 

I ran towards the entrance hoping to catch her before being rushed back, only to find her struggling to breathe at the entrance waiting in line to go through the metal detector. I shouted out how ridiculous it was and that we needed to get through now. The guard rolled his eyes, made us wait until the man in front of us was completely cleared, then waved us through only to tell us to wait in line to check in. My wife later told me when she first arrived she said she can’t breath and asked to go through to which he responded “sweetheart, we all got problems.”

Now at the check in line where they collect all your insurance info, I walked to the front and politely said my wife can’t breath and needs to be seen. No response. My wife collapses to the floor and I asked again. No response. I began yelling as loud as I could “my wife is having an allergic reaction and can’t breath and is on the floor, we won’t wait in line, we need someone now.” I was asked to calm down. I yelled out again. I was asked to calm down again. I repeated she can’t breath and I won’t calm down until someone sees her. Finally a nurse came to assist us. 

Unfortunately this isn’t the first time we experienced treatment like this. Most people I know have a horror ER story they can share.

This is a system where hospitals compete for business. Or at least in theory, we have limited choices with our insurance. And I don’t chose my insurance, my employer does. My biggest fear about hospitals being run by the same people who run the DMV is how much worse would it get?

The more times I see a doctor the more I don’t like insurance at all. Stop price gauging medical treatment and the average family wouldn’t need insurance, especially with the money we’d save without it. 

I'm so sorry...that's awful.

Yes the process is so fucked up.  I was blown away a few weeks back at my new eye doctor....at least 5 people told me that my insurance didn't cover the exam.  I got to the point where I was telling them to just assume I didn't have insurance so we could quit talking about it.

It's ridiculous that there has to be this insurance wall in front of any treatment we need.

static111

mace1229 said:

I was reminded last night of how our system is so awful.
My wife had an allergic reaction to medication that she never had before. She was breaking out in hives, but the main concern was her chest was tightening and having difficulty breathing. Called her dr, they said to to the ER right now. I drove her to the ER, dropped her off at the front door while I parked. 

I ran towards the entrance hoping to catch her before being rushed back, only to find her struggling to breathe at the entrance waiting in line to go through the metal detector. I shouted out how ridiculous it was and that we needed to get through now. The guard rolled his eyes, made us wait until the man in front of us was completely cleared, then waved us through only to tell us to wait in line to check in. My wife later told me when she first arrived she said she can’t breath and asked to go through to which he responded “sweetheart, we all got problems.”

Now at the check in line where they collect all your insurance info, I walked to the front and politely said my wife can’t breath and needs to be seen. No response. My wife collapses to the floor and I asked again. No response. I began yelling as loud as I could “my wife is having an allergic reaction and can’t breath and is on the floor, we won’t wait in line, we need someone now.” I was asked to calm down. I yelled out again. I was asked to calm down again. I repeated she can’t breath and I won’t calm down until someone sees her. Finally a nurse came to assist us. 

Unfortunately this isn’t the first time we experienced treatment like this. Most people I know have a horror ER story they can share.

This is a system where hospitals compete for business. Or at least in theory, we have limited choices with our insurance. And I don’t chose my insurance, my employer does. My biggest fear about hospitals being run by the same people who run the DMV is how much worse would it get?

The more times I see a doctor the more I don’t like insurance at all. Stop price gauging medical treatment and the average family wouldn’t need insurance, especially with the money we’d save without it. 

Sorry to hear.  That is just awful. Our system needs some serious improving.

oftenreading

mace1229 said:

I was reminded last night of how our system is so awful.
My wife had an allergic reaction to medication that she never had before. She was breaking out in hives, but the main concern was her chest was tightening and having difficulty breathing. Called her dr, they said to to the ER right now. I drove her to the ER, dropped her off at the front door while I parked. 

I ran towards the entrance hoping to catch her before being rushed back, only to find her struggling to breathe at the entrance waiting in line to go through the metal detector. I shouted out how ridiculous it was and that we needed to get through now. The guard rolled his eyes, made us wait until the man in front of us was completely cleared, then waved us through only to tell us to wait in line to check in. My wife later told me when she first arrived she said she can’t breath and asked to go through to which he responded “sweetheart, we all got problems.”

Now at the check in line where they collect all your insurance info, I walked to the front and politely said my wife can’t breath and needs to be seen. No response. My wife collapses to the floor and I asked again. No response. I began yelling as loud as I could “my wife is having an allergic reaction and can’t breath and is on the floor, we won’t wait in line, we need someone now.” I was asked to calm down. I yelled out again. I was asked to calm down again. I repeated she can’t breath and I won’t calm down until someone sees her. Finally a nurse came to assist us. 

Unfortunately this isn’t the first time we experienced treatment like this. Most people I know have a horror ER story they can share.

This is a system where hospitals compete for business. Or at least in theory, we have limited choices with our insurance. And I don’t chose my insurance, my employer does. My biggest fear about hospitals being run by the same people who run the DMV is how much worse would it get?

The more times I see a doctor the more I don’t like insurance at all. Stop price gauging medical treatment and the average family wouldn’t need insurance, especially with the money we’d save without it. 

Holy fuck, that's disgusting. A patient in respiratory distress, a medical system all ready to treat her just beyond the door, and a huge wall of greed in between.

I'm not sure I understand why your biggest fear is "how much worse would it get?", though.

HughFreakingDillon

mace1229 said:

I was reminded last night of how our system is so awful.
My wife had an allergic reaction to medication that she never had before. She was breaking out in hives, but the main concern was her chest was tightening and having difficulty breathing. Called her dr, they said to to the ER right now. I drove her to the ER, dropped her off at the front door while I parked. 

I ran towards the entrance hoping to catch her before being rushed back, only to find her struggling to breathe at the entrance waiting in line to go through the metal detector. I shouted out how ridiculous it was and that we needed to get through now. The guard rolled his eyes, made us wait until the man in front of us was completely cleared, then waved us through only to tell us to wait in line to check in. My wife later told me when she first arrived she said she can’t breath and asked to go through to which he responded “sweetheart, we all got problems.”

Now at the check in line where they collect all your insurance info, I walked to the front and politely said my wife can’t breath and needs to be seen. No response. My wife collapses to the floor and I asked again. No response. I began yelling as loud as I could “my wife is having an allergic reaction and can’t breath and is on the floor, we won’t wait in line, we need someone now.” I was asked to calm down. I yelled out again. I was asked to calm down again. I repeated she can’t breath and I won’t calm down until someone sees her. Finally a nurse came to assist us. 

Unfortunately this isn’t the first time we experienced treatment like this. Most people I know have a horror ER story they can share.

This is a system where hospitals compete for business. Or at least in theory, we have limited choices with our insurance. And I don’t chose my insurance, my employer does. My biggest fear about hospitals being run by the same people who run the DMV is how much worse would it get?

The more times I see a doctor the more I don’t like insurance at all. Stop price gauging medical treatment and the average family wouldn’t need insurance, especially with the money we’d save without it. 

holy shit dude! that's terrifying! "we all got problems" sounds like something Stanley from The Office would say. 

i've honestly never heard of that happening to anyone in canada, if that's what your DMV comment was referencing. 

Gern Blansten

He was probably referencing universal or "gov't controlled" healthcare....not that any system is without problems but at least you don't have to deal with bullshit insurance.

mace1229

I believe private companies work better than government controlled ones. That's my opinion, maybe it wouldn't apply to healthcare. I just fear if there's this much red tape now, could it get worse? Would it?
Part of the problem is the abuse of the ER. Would a government program impact that? I don't know. I used to be strongly against socialized medicine, but now I'm not sure. Been in the middle for a while now because of experiences like what I just shared. 

Meltdown99

mace1229 said:

I believe private companies work better than government controlled ones. That's my opinion, maybe it wouldn't apply to healthcare. I just fear if there's this much red tape now, could it get worse? Would it?
Part of the problem is the abuse of the ER. Would a government program impact that? I don't know. I used to be strongly against socialized medicine, but now I'm not sure. Been in the middle for a while now because of experiences like what I just shared. 

Sorry, your wife and you had to go through that kind of medical distress.

in Canada, we have universal health care.  if you spend enough time googling you'll see that happens here as well...unfortunately.

A few years back I went to the ER with kidney stones.  I got off work on a Friday around 11:30.  The pain started around 12:30...I started drinking lots of water to try and piss the stone out...big mistake.  I went to the ER around 4.  I told the triage nurse that I can not piss...she then sent me over to the person who registers patients...that lady took one look at me and got the head er nurse.  She took me in right away.

I have never been in so much pain...and yet it was the receptionist who got me in ASAP...because she said " you do not look well at all"...meanwhile the shit for brain nurse wanted to send me back to the waiting room.  I had a stone in each kidney blocking me from pissing and surgery was performed...

The ER nurse told me that these younger nurses think everyone is looking for oxy...and the ER nurse said one look at me she should have known I was in medical distress.  

The best advice I got was from a friend who is EMS...go via ambulance.