Primitive hates its Ocare junk policy.

[Carl]

http://www.democraticunderground.com/10027326033

Sun Nov 8, 2015, 06:22 AM

Star Member eridani (47,917 posts)

A View From the Losing Side of Health Care
Or, how having insurance can prevent you from having access to health care.

http://www.huffingtonpost.com/jacqueline-dooley/a-view-from-the-losing-si_b_8499202.html

For the last three hours I've been crunching numbers, trying to figure out how not to pay $600 to $800 a month for a health insurance policy that won't cover any medical expenses until I've paid anywhere from $7000 to $9000 in deductibles. Then, even if the deductible is met, I'd only get partial benefits until I pay an out of pocket maximum ranging from $11,000 to $14,000. I'd reach these totals only from a catastrophic health event - a hospitalization, emergency room visit, or devastating diagnosis.

I finally conclude that I have no choice. I'll be paying for the promise of a service that I'm not likely to use in 2016. I'll be responsible for all of physician visits, medications, labs and most tests. I'm in this position because I'm one of the 200,000 people who lost coverage when Health Republic Insurance was forced to close its doors this month.

Some months, after I pay my insurance premium, I don't have more than a few hundred dollars in the bank. Okay, it's most months. That's what kept me from going to the dentist when my jaw started to ache and my tooth started to throb. I'd just paid out of pocket for my regular cleaning and check up and I'd had no cavities. I didn't want to pay another $150 and I figured the pain would pass. I was wrong. My top left molar had cracked from clenching my jaw in my sleep, something I'd started doing since my daughter's diagnosis. I could've gotten a night guard a few months earlier, but it was $500 and I put it off.

I feel, not for the first time, like I'm being harvested for my premium payments, culled like wheat in a field. I do the math. If 38 million people all pay $800 a month, that's 30.4 billion dollars. What if we all stopped paying our premiums all at once? What if we just...stopped and instead created a big fund to breathe life into the healthcare co-ops that are shutting down, leaving people like me with few to no options. Do I sound like a socialist? I don't care.

I hate insurance companies. I loathe their existence. They serve no purpose other than to make their shareholders happy and their executives rich. They are the reason that healthcare is a losing battle in this country. They're the reason we don't have a public option.
25
      
   

Now wait a minute,when Obozos lies about keeping your health care plan was exposed you fuktards told us we should be happy as they were just junk that really wasn`t insurance.
I bet most were better then what your messiah has rained down on you. 

Response to eridani (Original post)

Sun Nov 8, 2015, 06:57 AM

newfie11 (7,661 posts)
1. This is horrific

I had no idea what Obama care costs.
Reading the cost of simply buying insurance blows me away. $800 a month and it doesn't pay until you owe $8000 is insane.

This needs to be a big push during elections. America needs at minimum what Canada has.

I have ChampVA through my husband a Vet. It's free and with Medicare I need no supplement.
We would never be able to afford Obama care!

So the same party and government that ****ed it is trusted to create a utopia of free shit for you?

Response to newfie11 (Reply #1)

Sun Nov 8, 2015, 07:04 AM

Star Member eridani (47,917 posts)
2. The thing is, most people will never get expensively sick

In every age demographic, 5% of that demographic accounts for half of all health care expenses, and 15% for 85% of expenses. Which means that the healthy 85% can get by for a considerable amount of time thinking that they have good insurance. That has as much value as their opinions about how good their fire extinguishers are.

In other words the system had to crash for everyone so you can get it free.

Response to eridani (Original post)

Sun Nov 8, 2015, 08:40 AM

Vinca (25,169 posts)
6. I just had a flashback to 2004.

That's the year our health insurance went to triple our mortgage payment with a giant deductible and we had to go naked. This is why we need single-payer, everyone covered, no questions asked, no not seeing the doctor when you suspect you have something serious because you can't afford the deductible. Obamacare needed a public option so people wouldn't be victimized by insurance companies. It will only get worse.

Payed for by someone else. 

[DLR Pyro]

I hate insurance companies. I loathe their existence. They serve no purpose other than to make their shareholders happy and their executives rich. They are the reason that healthcare is a losing battle in this country.

That hate and loathing you are feeling is directed at the wrong entity

newfie11 (7,661 posts)
1. This is horrific

I had no idea what Obama care costs.

Maybe if your democrat party leaders had found out what is in the bill before they passed it, obummercare would have never come into existence

Vinca (25,169 posts)
6. I just had a flashback to 2004.

That's the year our health insurance went to triple our mortgage payment with a giant deductible and we had to go naked.

2004.  DUmmy just had to get a jab in at Bush even though this abortion known as obamacare is entirely the fault of the democrat party.
 

[jukin]

Somehow, someway this will be the people that cast not one single vote for Obama Hell Care, the republicans.

Not a single prediction of the sane, logical Obama Hell Care H8er said has been proved wrong. NOT. ONE.

[SSG Snuggle Bunny]

I had no idea what Obama care costs.

Really?

Because EVERY conservative was predicting this very same scenario.

Some children just have to play with matches no matter how many times they're told they'll get burned.

[Patriot Guard Rider]

Really?

Because EVERY conservative was predicting this very same scenario.

Some children just have to play with matches no matter how many times they're told they'll get burned.

Just wait till this knucklehead DUmmie gets hit with the new, higher rates and deductibles next year.

[USA4ME]

Where's that dimwit ProSense primitive to explain to its fellow primitives that what they had before was junk insurance, and that they should be on their knees worshipping Dear Leader for having the foresight to take it away from them and giving them Obamacare, seeing that they weren't smart enough to know what junk insurance they really had before?

.

[Ogre]

Response to MADem (Reply #1)

Thu Dec 26, 2013, 11:41 PM
Star Member eridani (47,917 posts)

2. The most important thing about the ACA IMO is that it broke the logjam around doing anything at all about health care.

I guess this wasn't the most important thing to the DUmmy.  I really enjoy watching reality jump up and bite these idiots. 

[Boudicca]

[thundley4]

Response to MADem (Reply #1)

Thu Dec 26, 2013, 11:41 PM
Star Member eridani (47,917 posts)

2. The most important thing about the ACA IMO is that it broke the logjam around doing anything at all about health care.

I guess this wasn't the most important thing to the DUmmy.  I really enjoy watching reality jump up and bite these idiots. 

Liberals truly believe it is better to something harmful than to do nothing.

[Ptarmigan]

Sun Nov 8, 2015, 06:22 AM

Star Member eridani (47,917 posts)

A View From the Losing Side of Health Care
Or, how having insurance can prevent you from having access to health care.

http://www.huffingtonpost.com/jacqueline-dooley/a-view-from-the-losing-si_b_8499202.html

For the last three hours I've been crunching numbers, trying to figure out how not to pay $600 to $800 a month for a health insurance policy that won't cover any medical expenses until I've paid anywhere from $7000 to $9000 in deductibles. Then, even if the deductible is met, I'd only get partial benefits until I pay an out of pocket maximum ranging from $11,000 to $14,000. I'd reach these totals only from a catastrophic health event - a hospitalization, emergency room visit, or devastating diagnosis.

I finally conclude that I have no choice. I'll be paying for the promise of a service that I'm not likely to use in 2016. I'll be responsible for all of physician visits, medications, labs and most tests. I'm in this position because I'm one of the 200,000 people who lost coverage when Health Republic Insurance was forced to close its doors this month.

Some months, after I pay my insurance premium, I don't have more than a few hundred dollars in the bank. Okay, it's most months. That's what kept me from going to the dentist when my jaw started to ache and my tooth started to throb. I'd just paid out of pocket for my regular cleaning and check up and I'd had no cavities. I didn't want to pay another $150 and I figured the pain would pass. I was wrong. My top left molar had cracked from clenching my jaw in my sleep, something I'd started doing since my daughter's diagnosis. I could've gotten a night guard a few months earlier, but it was $500 and I put it off.

I feel, not for the first time, like I'm being harvested for my premium payments, culled like wheat in a field. I do the math. If 38 million people all pay $800 a month, that's 30.4 billion dollars. What if we all stopped paying our premiums all at once? What if we just...stopped and instead created a big fund to breathe life into the healthcare co-ops that are shutting down, leaving people like me with few to no options. Do I sound like a socialist? I don't care.

I hate insurance companies. I loathe their existence. They serve no purpose other than to make their shareholders happy and their executives rich. They are the reason that healthcare is a losing battle in this country. They're the reason we don't have a public option.
25

Do I have to sound like a broken clock?

[I_B_Perky]

Sun Nov 8, 2015, 06:22 AM

Star Member eridani (47,917 posts)

A View From the Losing Side of Health Care
Or, how having insurance can prevent you from having access to health care.

http://www.huffingtonpost.com/jacqueline-dooley/a-view-from-the-losing-si_b_8499202.html

For the last three hours I've been crunching numbers, trying to figure out how not to pay $600 to $800 a month for a health insurance policy that won't cover any medical expenses until I've paid anywhere from $7000 to $9000 in deductibles. Then, even if the deductible is met, I'd only get partial benefits until I pay an out of pocket maximum ranging from $11,000 to $14,000. I'd reach these totals only from a catastrophic health event - a hospitalization, emergency room visit, or devastating diagnosis.

I finally conclude that I have no choice. I'll be paying for the promise of a service that I'm not likely to use in 2016. I'll be responsible for all of physician visits, medications, labs and most tests. I'm in this position because I'm one of the 200,000 people who lost coverage when Health Republic Insurance was forced to close its doors this month.

Some months, after I pay my insurance premium, I don't have more than a few hundred dollars in the bank. Okay, it's most months. That's what kept me from going to the dentist when my jaw started to ache and my tooth started to throb. I'd just paid out of pocket for my regular cleaning and check up and I'd had no cavities. I didn't want to pay another $150 and I figured the pain would pass. I was wrong. My top left molar had cracked from clenching my jaw in my sleep, something I'd started doing since my daughter's diagnosis. I could've gotten a night guard a few months earlier, but it was $500 and I put it off.

I feel, not for the first time, like I'm being harvested for my premium payments, culled like wheat in a field. I do the math. If 38 million people all pay $800 a month, that's 30.4 billion dollars. What if we all stopped paying our premiums all at once? What if we just...stopped and instead created a big fund to breathe life into the healthcare co-ops that are shutting down, leaving people like me with few to no options. Do I sound like a socialist? I don't care.

I hate insurance companies. I loathe their existence. They serve no purpose other than to make their shareholders happy and their executives rich. They are the reason that healthcare is a losing battle in this country. They're the reason we don't have a public option.

     

No sympathy here. Personally I hope the OP dies from an infected tooth.  Serve them right.

[obumazombie]

I heard today that owebuma still enjoys a 45% job approval rating.
I have no idea why he isn't in the teens or lower.
Just on owebumacare alone.

[DLR Pyro]

I heard today that owebuma still enjoys a 45% job approval rating.
I have no idea why he isn't in the teens or lower.
Just on owebumacare alone.

they must be polling the chronically out of work slackers living on the gravy train or the current crop of college cry babies

[obumazombie]

^That would certainly explain owebuma's inflated job approval numbers.

[jukin]

I heard today that owebuma still enjoys a 45% job approval rating.
I have no idea why he isn't in the teens or lower.
Just on owebumacare alone.

Because the polls are bogus.