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Thread: Repealing Obamacare affects everyone

  1. #41
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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by jaeger19 View Post
    Yeah.. I am not sure of that. For most people.. they would be better off without the supplement. The only reason that insurance companies offer supplements is because ITS PROFITABLE... which means they take in more than they pay out.

    My mother would pay for my Grandfathers supplement. Which was an HMO.. and had all sorts of restrictions.. and pay hundreds of dollars a month.

    So that my 96 year old grandfather could be told what physicians he could see.

    All so he could avoid a 20% copay on his outpatient physician visit... and his outpatient therapy visit. Which basically saved him 20 DOLLARS A VISIT. And he could only go to those providers that accepted the supplement.

    so he was spending thousand of dollars a year.. to save maybe 1200...and in some years.. he saved only 80 bucks. To pay thousands to the insurance company.
    If that's all your grandad used his supplement for, he was a very healthy 96 year old. I'm guessing my supplement has paid tens of thousands of dollars in the last few years including home health care, rehabilitation, outpatient tests (most of them are), etc.

    Nonetheless, insurance isn't for everyone.


    Thank you, Quazi!

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by MaggieD View Post
    If that's all your grandad used his supplement for, he was a very healthy 96 year old. I'm guessing my supplement has paid tens of thousands of dollars in the last few years including home health care, rehabilitation, outpatient tests (most of them are), etc.

    Nonetheless, insurance isn't for everyone.

    home health its paid at 100% and is part of Part A. And its under PPS guidelines.

    Rehabilitation in an inpatient setting is paid 100% if in a rehab hospital. the first 20 days of rehab are paid at 100% in a SNF. And the next 80 days are paid at 80%.

    Outpatient tests are paid at 80% as well.

    I would bet.. that your insurance probably still made a very good profit off of you. Otherwise... why would they be in business Maggie? I mean.. why would it be profitable to insure OLD PEOPLE on medicare with a supplement? Or do you think insurance companies offer supplemental insurance altruistically?

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by MaggieD View Post
    Now the donut hole. I didn't realize it was closing. It's unfortunate that I'd bet MOST people don't know that. Can we agree that the ACA didn't do a very good job explaining that? If there's a perk, it should be shouted from the rooftops. A shame it wasn't.
    Yep, messaging was a big problem with the ACA.

    Unfortunately, it was much easier for the critics to scream about death panels, than to explain the two dozen benefits of the ACA.


    Do you think an 87-year-old with $2.5 million in the bank ought to ask YOU to pay for his donut hole meds? That's John. I don't. But, as you say, "Thanks, Obama."
    I don't think Medicare should be means-tested.

    The Donut Hole is a crappy way to means test a drug benefit, nor was that really the purpose. It's just a deductible with a really weird design.

    Medicare in general it's a very popular program. If we phase out benefits for the wealthy, they will be less inclined to defend it. That's not good.

    Adding an income requirement makes it more complex, and increases administrative costs. That's not good either.

    $2.5 million is, by many standards, a lot of money. If it's invested properly, said 87 year old is living off of a healthy income. However, in an era where an assisted living facility can cost $70,000 a year? Not so much.

  4. #44
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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by jaeger19 View Post
    home health its paid at 100% and is part of Part A. And its under PPS guidelines.

    Rehabilitation in an inpatient setting is paid 100% if in a rehab hospital. the first 20 days of rehab are paid at 100% in a SNF. And the next 80 days are paid at 80%.

    Outpatient tests are paid at 80% as well.

    I would bet.. that your insurance probably still made a very good profit off of you. Otherwise... why would they be in business Maggie? I mean.. why would it be profitable to insure OLD PEOPLE on medicare with a supplement? Or do you think insurance companies offer supplemental insurance altruistically?
    My medical expenses are limited to around $100 a month for Part B, $150 a month for my BCBS supplement and meds for which I think I pay $50 month. I am delighted that my expenses are limited to that approx $300 a month. Absolutely delighted.

    We live in a wonderful country, Jaeger. And if you don't think it's worth it for you? Wonder of wonders! You are free to skip it.

    Do you also try to discredit homeowners insurance? Car insurance? Term life insurance for a young father of three because the insurance company makes a profit on it?


    Thank you, Quazi!

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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
    Is it hurting more people than it's helping? Or is it hurting more people's bank accounts than it's helping people's health? Did it help millions of Americans and cost twice as many extra money? Are those things that are easy to judge the right and wrong of?

    You also completely ignored that the vast majority of Americans approve of a lot of things that Obamacare did. You cherry pick to keep the dialogue to "do you want Obamacare or do you not want Obamacare." Why don't you post the numbers for "should health insurance companies be able to deny people for preexisting conditions?" Because I couldn't walk more than a few blocks for years because of that policy and Americans hate it. But toss it all out as part of "Obamacare" and big pharm is having a very long, expensive party.

    I don't care if Obamacare is repealed and IMMEDIATELY replaced with a program that prevents outrageous policies like the ones that would have killed or bankrupt me (that would be a good game show for people who work in board rooms at Merck - die or debt?). How do you feel about telling a disabled person that they can no longer work because people need money to pay for their iPhones, brand new cars, dinner out three times a week, and a television and computer in every room? Cause that's pretty much how it's affecting most people complaining about the law that gave me a life. Not help. Life.
    A working class hero is something to be

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Mustachio View Post
    Is it hurting more people than it's helping? Or is it hurting more people's bank accounts than it's helping people's health? Did it help millions of Americans and cost twice as many extra money? Are those things that are easy to judge the right and wrong of?

    You also completely ignored that the vast majority of Americans approve of a lot of things that Obamacare did. You cherry pick to keep the dialogue to "do you want Obamacare or do you not want Obamacare." Why don't you post the numbers for "should health insurance companies be able to deny people for preexisting conditions?" Because I couldn't walk more than a few blocks for years because of that policy and Americans hate it. But toss it all out as part of "Obamacare" and big pharm is having a very long, expensive party.

    I don't care if Obamacare is repealed and IMMEDIATELY replaced with a program that prevents outrageous policies like the ones that would have killed or bankrupt me (that would be a good game show for people who work in board rooms at Merck - die or debt?). How do you feel about telling a disabled person that they can no longer work because people need money to pay for their iPhones, brand new cars, dinner out three times a week, and a television and computer in every room? Cause that's pretty much how it's affecting most people complaining about the law that gave me a life. Not help. Life.

    Here's something that might interest you.

    Health Care Law - Rasmussen Reports™
    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 Perotista View Post
    Here's something that might interest you.

    Health Care Law - Rasmussen Reports™
    I'm among the group that wants reform. So it does interest me and I hope that congress (Trump I don't think understands about or cares about health care policy) will listen to their constituents. It might surprise you or other conservatives, but I'm concerned the bureaucratic process will stall a new health care reform law long enough that I'll be down about 70K (my health care cost each year).
    A working class hero is something to be

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    Re: Repealing Obamacare affects everyone

    Quote Originally Posted by Mustachio View Post
    I'm among the group that wants reform. So it does interest me and I hope that congress (Trump I don't think understands about or cares about health care policy) will listen to their constituents. It might surprise you or other conservatives, but I'm concerned the bureaucratic process will stall a new health care reform law long enough that I'll be down about 70K (my health care cost each year).
    I don't know what Trump or the GOP congress will do. That is anybody's guess. There is a segment that want to repeal the whole thing and date the repeal a year from the day they pass the repeal giving them a year to come up with a replacement. Another segment that wants the replacement in place when the repeal is done. Another segment that wants to do it piecemeal, repeal, change, amend, replace it line by line while keeping the good and tossing the bad.

    I don't think the Republicans themselves know what they want to do and how they will go about doing. There are also a smaller fifth segment that want to leave it as is and let it die of its own accord. They say with premium hikes, increased deductibles, insurance companies pulling out of Obamacare, among with several other things, that it will die on its own. That Obamacare is not sustainable as is. Then they could place all the blame on the Democrats for rushing this through congress and not taking the time to get it right. After all not a single republican voted for this thing.

    The GOP needs to decide how they are going to tackle this. Until they do, no one knows what will happen.
    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 MaggieD View Post
    My medical expenses are limited to around $100 a month for Part B, $150 a month for my BCBS supplement and meds for which I think I pay $50 month. I am delighted that my expenses are limited to that approx $300 a month. Absolutely delighted.

    We live in a wonderful country, Jaeger. And if you don't think it's worth it for you? Wonder of wonders! You are free to skip it.

    Do you also try to discredit homeowners insurance? Car insurance? Term life insurance for a young father of three because the insurance company makes a profit on it?
    To answer your question...Maggie... yes... I would discredit homeowners insurance if it was charging people for insurance that they did not need. The same with term life insurance.. I mean do you need term life insurance on a baby?

    The point is.. if there is a profit on it.. it means that people are not using the insurance. Which means that if that's the case...you need to question whether its really useful or not.

    Do you carry comp and collision on a car that's worth 700 dollars? Would you pay an extra 1000 a year... to insure a car that's worth 700 dollars?

    I hope you would not. And I don't think there is anything wrong in pointing that out to people.

    Particularly since I understand medical needs and medical insurance.

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