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Have you or a family member benefited from the Affordable Care Act?

Have you or a family member benefited from the Affordable Care Act?

  • Yes

    Votes: 30 42.3%

  • No

    Votes: 41 57.7%
  • Total voters
    71
radcen said:
Did your premiums go up?
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Not at all. They have been $300 for a while now. I should double check to be sure tho. Now the coverages have changed. So they may have shifted some things around.
 
Mu insurance through work has pretty much stayed the same and due to a grandfathered clause in my plan I still have to pay a copay for my birth control pills. No biggie though.
 
MildSteel said:
Not at all. They have been $300 for a while now. I should double check to be sure tho. Now the coverages have changed. So they may have shifted some things around.
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It could be that other coverage went down. Possible.

I'm with ya on the recent $125 savings, though. To be honest I'd be excited about that, too.
 
AGENT J said:
just reading through this thread should tell people what the problem is . . . . .and what it always has been . . .

look at my post . . . all 100% true and when ACA started kicking it had ZERO effect on what i pay for insurance, there was no increase last year and a small one the year before that, one of the smallest. What did happen is my coverage got better and some out of pocket expenses went down.

My insurance is through my company and they already had good insurance.

now the BEST insurance i ever had was with my first real job like 20 years ago, and insurance and costs have went up TREMENDOUSLY since then for me, way before ACA.

So I am currently happy with "some of the improvements" of ACA . . . . .
doesnt mean im happy with all of it though and im not

But look at a story like lizzie's.
For whatever reason its possible ACA affected her in the negative . . . . why?

thats the question . . . why does it seem to have a good impact on me and did it possibly have a bad one on her . . . .

does anybody get it yet? THAT is the root of the problem . . . .

there is ZERO conformity . . . ACA put SOME conformities in place and took some away also . . .
why is that?

thats exactly how it SHOULD NOT BE IMO

why when i got one of my surgeries it was like 32K but if i would have gotten it other places, one hospital literally down the street it would have been as high as 112K?!?!?!?!??!

when my daughter need a knee brace, TWICE . . why was the initial doctors visit 30$ co pay and "follow ups were free" and II had to pay 20$ for the brace and nothing for the therapy . . . . .

then later through a different facility it was 30$ each time, didn't matter, 120 for the brace and it was 30 per therapy?

NOTHING CHANGED . . . not my insurance not ACA etc . . just different providers . . .. that is the crap that is unacceptable . . . .

IMO if me and Lizze both break our right leg and go through the same healing time and medical process no matter where we go the cost should at least hoover around same for us and it DOES NOT . . .thats what the issue is . . . .

if me and lizze both hav condition Z and need pill X twice a day then that coast should be around the same not up to 800% different at times, places providers

thats where the regulation needs to be . . . .

its crap that in the US a person like me or izzy could have a kid get hurt playing, something simply like a broken leg that needs minor surgery and therapy and theres risk of huge debt or loss of house, bankruptcy etc etc

the medical CARE industry should not be so much about profit . . . of course profits need to be made in general and certainly in some areas, research, new inventions etc but not so much in the direct care . . .

Im not a 100% fan of ACA but what i do like about it is we are at least TRYING something instead of folding . . . the medical care system was BROKEN in that regard and we are trying . . . now we have to KEEP trying . . . I have no clue what all the pros and cons will be with ACA but at least its something and the conversation will last my whole life time . . . that alone makes me happy in ways because its not an easy fix


all insurances should be nation wide and it should be accepted EVERYWHERE . . . . thats step one . . . . .and its a HUGE, near impossible task because of the broken system we already use but thats what needs done first and foremost . . .

ok lol. . . .:rantoff:
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The reason that prices vary so much is because providers don't have to compete based upon price. When we have "good" insurance, with low deductibles and copays, we tend not to price shop as there is no advantage to the patient to do so. When people don't price shop, providers don't have an incentive to compete based upon price, and they just try to get as much out of the insurance companies as possible.

Insurance companies love medical care prices going up, because the higher they are, the easier it is for the insurance company to convince the public that we HAVE to have insurance in order to get medical care.
 
I know almost nobody currently using Obamacare (that has made it public, anyway). But one person I know claims her premiums went up "only $5), and she was thrilled. Then again, she is such an Obama sycophant and has her nose so far up his arse that no reasonable person could know if she's sincere or not.
 
radcen said:
It could be that other coverage went down. Possible.

I'm with ya on the recent $125 savings, though. To be honest I'd be excited about that, too.
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I'm sure that's what they did. That stuff has become such gobbledy gook that I really don't know until something comes up. But it was already like that anyway. As an example, I also have a nine year old son. When he was born the hospital actually tried to charge me for the difference in what the insurance paid out, and what they actually charge if you had no insurance at all. It turned out that they were contractually obligated to charge the rate that the insurance paid out. But it took quite a bit to get them to back down. That is a true story.

But yeah man, that was indeed exciting! That's why I thought I would share it because I don't recall anything any president has done since I got out of school that actually directly benefited me. And Obama said we wanted to do things to help middle class people like me, and I did indeed feel that. So yeah, WAY TO GO BARACK OBAMA!!!!!
 
imagep said:
The reason that prices vary so much is because providers don't have to compete based upon price. When we have "good" insurance, with low deductibles and copays, we tend not to price shop as there is no advantage to the patient to do so. When people don't price shop, providers don't have an incentive to compete based upon price, and they just try to get as much out of the insurance companies as possible.

Insurance companies love medical care prices going up, because the higher they are, the easier it is for the insurance company to convince the public that we HAVE to have insurance in order to get medical care.
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you are right, providers have no real incentive to price shop when insurers will pay, insurance has no reason to not pay because if they can justify increased premiums well then they do

but theres another aspect of it also . . . .larger healthcare providers especially hospitals love to invent charges too . . because again . . . insurance will pay . . theres 3 large gears turning the little small gear . . us :(
 
radcen said:
I know almost nobody currently using Obamacare (that has made it public, anyway). But one person I know claims her premiums went up "only $5), and she was thrilled. Then again, she is such an Obama sycophant and has her nose so far up his arse that no reasonable person could know if she's sincere or not.
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we are all using it if we have healthcare . . . . the online ability to enroll is just ONE part of the ACA
 
MildSteel said:
I tell you what. Your profile says you are a woman that lives in New England. Give me your full name, social security number, driver's license number, and your bank account number so that I can verify that you are telling the truth. Then I will consider answering your question. Got it?
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MildSteel said:
I am confident that what I am putting forward is true. So confident as a matter of fact that I would bet my life on it. Are you willing to bet your life that I am lying? I don't think so.
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Moderator's Warning:
Going to stop you right there. Let me be clear...do not ask or demand such information from a poster again.

If you want to keep what medication it was private you're absolutely free to do so. However, that is MASSIVELY different than personal identifiable information like a Social Security Number, full name, or bank account. If I state I take HCTZ that in no way, shape, or form provides any reasonable means of anyone identifying who I am, where I live, or how to contact me. If I state my name is [X] it does. There's no method of fraud or identity theft that can be undertaken if it's known I take a commonly perscriped drug; there absolutely is if I put forward my bank account or my social security number.

If you have an issue with a poster asking for more information about a scenario you volunteered then you can declare that you won't be answering. But this attempt to demand they put forward legitimately private identifiable information is not okay, nor is this talk of "betting one's life". This type of thing, if continued, could potentially run afoul of rule 13 and 13a as well as rule 4. Stop it.
 
Zyphlin said:
Moderator's Warning:
Going to stop you right there. Let me be clear...do not ask or demand such information from a poster again.

If you want to keep what medication it was private you're absolutely free to do so. However, that is MASSIVELY different than personal identifiable information like a Social Security Number, full name, or bank account. If I state I take HCTZ that in no way, shape, or form provides any reasonable means of anyone identifying who I am, where I live, or how to contact me. If I state my name is [X] it does. There's no method of fraud or identity theft that can be undertaken if it's known I take a commonly perscriped drug; there absolutely is if I put forward my bank account or my social security number.

If you have an issue with a poster asking for more information about a scenario you volunteered then you can declare that you won't be answering. But this attempt to demand they put forward legitimately private identifiable information is not okay, nor is this talk of "betting one's life". This type of thing, if continued, could potentially run afoul of rule 13 and 13a as well as rule 4. Stop it.
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OK, so be it.
 
Any rate, Obama keeps putting money in my pocket, I'm going to start advocating for the lifting of term limits for President! :lamo
 
MildSteel said:
Any rate, Obama keeps putting money in my pocket, I'm going to start advocating for the lifting of term limits for President! :lamo
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Lord Help us. I was going to say something about how Obamacare is affecting the economy but I'm going to go puke instead.
 
sawdust said:
Lord Help us. I was going to say something about how Obamacare is affecting the economy but I'm going to go puke instead.
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I don't blame you. That was overboard!!!! :lamo

He needs to get out of there as soon as possible for his own good.
 
Yes. Both my sister and I are still on our parent's health insurance. We both could get insurance through our respective employers, however having all four of us on one plan instead of three separate plans is much cheaper for all of us.
 
celticwar17 said:
I am not on obamacare,but my girlfriend is... and she is having a really hard time because of the high deductibles. Every time she goes to the doctor or sees a specialist she has to pay completely out of pocket.... almost impossible for a recent graduate in a research assistant job.
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She's having a hard time because of the plan she's on and she can't afford a better plan. Before ACA high deductibles were a problem as well.
 
Nope. Obamacare has cost me money, it hasn't done a damn thing to help me. I still have the same insurance I had before, I just pay more for it. Screw Obamacare.
 
Yes. I have benefited from it personally, my mother has, and the organization I work for has as well.
 
Cephus said:
Nope. Obamacare has cost me money, it hasn't done a damn thing to help me. I still have the same insurance I had before, I just pay more for it. Screw Obamacare.
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not saying you are wrong because you in fact could be 100% right but since you have the same insurance you have always had how do you know it went up solely based on ACA?

Mine as increased many times over the years and it was rare that i factually knew why besides a basic reasoning of costs going up.
 
MildSteel said:
On the way home I had a far out experience. I had to stop and pick up some birth control pills. Because of an error, they had not put it on the insurance, so originally they were going to charge me about $125. However, when they realized they needed to put it on my insurance, IT TURNED OUT THE PILLS WERE FREE AND I DIDN'T HAVE TO PAY ANYTHING!!!! MAN WAS I HAPPY!!! The pharmacist informed me that the pills were free because of the Affordable Care Act.

Not only that, but I have a daughter who just got out of grad school. Because of the ACA she is able to be on my insurance until she finds a job. That is a very great benefit for her.

Bottom line is that, I must really thank Obama. He has actually helped me. He actually saved me $125 today!!!

The thing is this, Obama said he wanted to do things to make a difference in the lives of middle class people like me. Man did I really feel it in my pocket. I really had not noticed it before, but Obama has made a difference! I guess this kind of thing would be meaningless to a rich person, but these things actually mean something to me.

Way to go Barack Obama!!!!!

I still don't take back all the bad stuff I have said about him tho!!! :lamo
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How should i profit? Weren't you insured before?
 
MildSteel said:
Oh, believe me I am a taxpayer. I pay thousands of dollars in income tax every year. One year I paid $20,000, so I don't want to hear that crap.
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What crap?
 
celticwar17 said:
I am not on obamacare,but my girlfriend is... and she is having a really hard time because of the high deductibles. Every time she goes to the doctor or sees a specialist she has to pay completely out of pocket.... almost impossible for a recent graduate in a research assistant job.
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When she's old and sick she will be thankful of her insurance. ;)
 
MildSteel said:
I don't know, but my premiums are the same. Some of the coverage is quite a bit different this year tho. Maybe you are right. But today, I really did see savings. I was very very happy about that.
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I have been privately insured since i was a kid. How much do you pay?
 
Because this is not a public poll the numbers are absolutely worthless.
 
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