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Thread: Repealing Obamacare affects everyone

  1. #21
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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Top Cat View Post
    The Medicare Part B Deductible is currently 183.00. Keep in mind, that the Part B coinsurance is an 80/20 cost share with no annual cap. If the patient has a 200,000 doctor bill, he or she is on the hook for 20% or 40k.

    Medicare Advantage Plans put an annual out of pocket cap which starts around 7K (This differs slightly from state to state.) Some MA Plans are Zero Premium. The general rule rule is the more per month you pay, the lower the cap. And they are a good play if you are healthy. For those that are not, a Medicare Supplement is the smarter choice. More money for sure, but the coverage is far more comprehensive in most cases.

    A Plan N in WA Sate is around $135 a month. That $200,000 doctor bill would be entirely covered. (Plan omits Part B excess, Plan F, about 200.00 a month, includes it)

    https://www.medicare.gov/your-medica...at-glance.html
    Thank you,TopCat. My supplement is $149 a month. I pay nothing. The BCBS supplement pays for any shortfall. IMO, one can't afford not to buy that supplement.


    Thank you, Quazi!

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Mustachio View Post
    Polls also showed that people didn't like health care the way that it was. You left out the part where they were against Obamacare AND the current system.

    As to "do no harm," logic would tell me that I have no more than 2 years to find a job just for the health insurance that they provide, because I'd be about a million dollars in debt 10 years from now without health insurance. Before Obamacare, I had to choose between being healthy and in debt or having money and being disabled. Awesome, go back to the way it was. It will literally ruin my life. But "do no harm" was meant to apply to your bank account, right? Because money is the most important thing in the world.
    So you're part of that 18% that its helps. I never said it didn't help anyone. Just that it is hurting more people than it is helping. That was backed up by Gallup in their survey. So are you saying it is perfectly alright to hurt more people just because it helps some?

    As to your first point:

    MOST PEOPLE LIKED THEIR HEALTHCARE PLANS
    Return to top

    * Prior to Obamacare, polls showed that most Americans were personally satisfied with their own healthcare coverage—refuting the notion that they were spending “too much” on healthcare. [TTM: p. 7]

    * A 2009 Gallup poll found that 87% of Americans with private health-insurance plans were satisfied with the quality of the care they received, and 62% were satisfied with the cost of that care.

    * In September 2012, the Employee Benefit Research Institute surveyed American workers and found that 88% were somewhat to extremely satisfied with their health insurance.

    Obamacare: Before and After - Discover the Networks
    This Reform Party member thinks it is high past time that we start electing Americans to congress and the presidency who put America first and their political party further down the line. But for way too long we have been electing Republicans and Democrats who happen to be Americans instead of Americans who happen to be Republicans and Democrats.

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Top Cat View Post
    when it comes to Medicare, polls are basically worthless.

    Seniors by and large do not comprehend Medicare in the least. Many do, but in my experience, most do not.
    I thought we were talking about repealing Obamacare, not Medicare. If you're on Medicare, you don't need Obamacare.
    This Reform Party member thinks it is high past time that we start electing Americans to congress and the presidency who put America first and their political party further down the line. But for way too long we have been electing Republicans and Democrats who happen to be Americans instead of Americans who happen to be Republicans and Democrats.

  4. #24
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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Perotista View Post
    I thought we were talking about repealing Obamacare, not Medicare. If you're on Medicare, you don't need Obamacare.
    All insurance, market place, employer provided, Medicare, Medicaid, Tricare, etc. falls under Obamacare.

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by MaggieD View Post
    Oh, sorry. I keep forgetting the necessary supplement. My ZVERY bad.
    No problem, most people do, you would be surprised how many that are going onto Medicare have no idea that Medicare is not all there is that is needed if you actually want good coverage.

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    Re: Repealing Obamacare affects everyone

    Even if not comprehensive care, can we reach consensus on public policy including some basic levels of accessible, affordable, quality healthcare for all Americans regardless of preexisting conditions? I have no objections to calling it Trumpcare or GOPcare. After all, let's acknowledge Team Trump and the GOP have the superior power. They can probably change the motto on currency from "In GOD We Trust" to "In GOP We Trust".

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Perotista View Post
    So you're part of that 18% that its helps. I never said it didn't help anyone. Just that it is hurting more people than it is helping. That was backed up by Gallup in their survey. So are you saying it is perfectly alright to hurt more people just because it helps some?

    As to your first point:

    MOST PEOPLE LIKED THEIR HEALTHCARE PLANS
    Return to top

    * Prior to Obamacare, polls showed that most Americans were personally satisfied with their own healthcare coverage—refuting the notion that they were spending “too much” on healthcare. [TTM: p. 7]

    * A 2009 Gallup poll found that 87% of Americans with private health-insurance plans were satisfied with the quality of the care they received, and 62% were satisfied with the cost of that care.

    * In September 2012, the Employee Benefit Research Institute surveyed American workers and found that 88% were somewhat to extremely satisfied with their health insurance.

    Obamacare: Before and After - Discover the Networks
    Which sounds great until one realizes that 38% that were unhappy happy with the costs and with their overall care were among those that actually had insurance. The problem was that many people could not afford to get affordable health insurance on their own, many people do not get insurance through a company program, and for them the costs were often out of range. It is what many were hoping for when ACA was first discussed, and that is not what we got. Should be interesting what does come out of Congress, let's hope it will be something better than what has been suggested so far.

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Perotista View Post
    This law was one the majority of Americans didn't want to begin with and the majority still don't want it. It was forced upon, those in favor will say passed with roughly 38% of Americans for it, 53% against it.
    Oh? So why is it now 45.7% favor, 49.3% against on RCP? Why did approval jump 5 points after the election?

    RCP_ACA.jpg

    Approval ratings for the ACA are not static. Equally important is that over 20 million people have gained coverage because of it, and as soon as people realized the ACA was in jeopardy, they signed up in droves -- 2.7 million people added in 2016, if I'm reading the reports correctly.

    By the way, Medicare wasn't particularly popular when it started. Now, it's one of the most popular programs in the US. Go figure.


    Below are the polls thanks to RCP....
    You cherry-picked two old dates. Not impressive.


    Today, Gallup shows this forced/passed law is helping 18% of Americans, hurting 29% of all Americans and no effect on 51% of Americans.
    Gallup also well aware that this is largely a partisan issue, including on that particular measure:

    "Because Republicans are much more likely (46%) than Democrats (9%) to say the new law has hurt their family, it is possible that some of those who say "hurt" are giving a political response rather than an actual report on the law's effect on their lives."


    Meanwhile, the point of the CNN article is that the ACA does more than just provide health insurance for over 20 million people, and reverses over a decade of increases in the ranks of the uninsured. It reduces Medicare costs, by about $800 million a year; it incentivizes hotels to treat Medicare patients more thoroughly, to avoid readmissions; it forces insurers to cover preventative care and screening tests (colonoscopies, mammograms) and contraceptives; it is slowly closing the Medicare Part D "Donut Hole," and it will be gone in 2020; extending coverage to children that are up to 26 will be removed; the exchanges will likely get shut down; Medicaid expansions will be gone.

    Ironically, the ACA allows insurers to sell across state lines, as long as the states agree to it. No one took them up on it, because there's no benefit to it. A Texas insurer isn't going to benefit by offering coverage in Georgia, where the insurer doesn't have a network. Nor will its Georgia customers.

    And for what? What, exactly, will replace the ACA? Republicans have had 8 years to propose an alternative. What do we get? Health savings accounts? How will that help, when most people can't put money away in the first place? State high risk pools? Those don't work. So tell us, what do you have to offer that will work better than the ACA? Keep guaranteed issue? Keep the exchanges? Keep saving Medicare $800 million a year?

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by MaggieD View Post
    Nonsense. The donut hole is still here. It hasn't gone away. And do you mean to tell me that my deductible will go up from $225 for the year??? Jesus Christ!!!
    The ACA is, in fact, closing the Medicare Donut Hole.

    The Hole gets smaller every year, and will be completely closed by 2020. In the interim, the government is subsidizing seniors for those Part D costs.

    Closing the Medicare Part D Donut Hole

    https://www.medicare.gov/part-d/cost...s-in-2020.html

    You may now say "Thanks, Obama"

  10. #30
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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by MaggieD View Post
    Thank you,TopCat. My supplement is $149 a month. I pay nothing. The BCBS supplement pays for any shortfall. IMO, one can't afford not to buy that supplement.
    In light of what you have gone through a supplement is a blessing for sure. My guess is that you are on Plan N, G, or F.

    I'm assuming then you have a separate drug plan. FWIW, I have seen statistics that suggest 80% of Medicare recipients with separate drug plans are on the wrong plan. In my experience I believe that's accurate.

    In WA there are typically about 24 plans to choose from in the larger ciunties, less in the smaller ones.

    If you have never had anyone run plans for you, you should. You can run your meds against against the plans in your county on the Medicare.Gov website. If you want more info PM me.
    Last edited by Top Cat; 01-09-17 at 11:32 PM.
    Quote Originally Posted by Bucky View Post
    You have no empirical evidence backing up your false assertion. You are simply conjecturing based on a whim...
    Quote Originally Posted by Hawkeye10 View Post
    Or maybe "We now understand why women provoke men into hitting them".
    Quote Originally Posted by American View Post
    . Losing insurance does not mean losing healthcare. .

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