primitives discuss not being able to pay Obumblecare deductible

[BattleHymn]

http://www.democraticunderground.com/10025743919

Sat Nov 1, 2014, 04:06 AM
Star Member eridani (42,708 posts)

Unable to Meet the Deductible or the Doctor

http://www.healthcare-now.org/unable-to-meet-the-deductible-or-the-doctor

Patricia Wanderlich got insurance through the Affordable Care Act this year, and with good reason: She suffered a brain hemorrhage in 2011, spending weeks in a hospital intensive care unit, and has a second, smaller aneurysm that needs monitoring.

But her new plan has a $6,000 annual deductible, meaning that Ms. Wanderlich, who works part time at a landscaping company outside Chicago, has to pay for most of her medical services up to that amount. She is skipping this year’s brain scan and hoping for the best.


“To spend thousands of dollars just making sure it hasn’t grown?” said Ms. Wanderlich, 61. “I don’t have that money.”

About 7.3 million Americans are enrolled in private coverage through the Affordable Care Act marketplaces, and more than 80 percent qualified for federal subsidies to help with the cost of their monthly premiums. But many are still on the hook for deductibles that can top $5,000 for individuals and $10,000 for families — the trade-off, insurers say, for keeping premiums for the marketplace plans relatively low. The result is that some people — no firm data exists on how many — say they hesitate to use their new insurance because of the high out-of-pocket costs.

Insurers must cover certain preventive services, like immunizations, cholesterol checks and screening for breast and colon cancer, at no cost to the consumer if the provider is in their network. But for other services and items, like prescription drugs, marketplace customers often have to meet their deductible before insurance starts to help.

While high-deductible plans cover most of the costs of severe illnesses and lengthy hospital stays, protecting against catastrophic debt, those plans may compel people to forgo routine care that could prevent bigger, longer-term health issues, according to experts and research.

Sat Nov 1, 2014, 04:16 AM
dembotoz (6,362 posts)
1. in wisconsin without medicaid expansion-policy options where not really good

when i looked last winter.

AWWWWWhhh, poor BABY.  Die.  Die a cold, merciless death. 

Sat Nov 1, 2014, 07:10 AM
Star Member handmade34 (11,873 posts)
4. yup

as much as I appreciate ObamaCare and the attempt to make medical care better... there are still way too many holes... went to get a flu shot yesterday... no one will take my insurance out of state... does me no good since I work on the road most of the time

Where is my pity violin?  It has to be around here somewhere...




Then starts up the naysayer primitives, who were butchered and beaten by the other primitives for the last few years:

Sat Nov 1, 2014, 07:06 AM
MadrasT (7,123 posts)
3. Tragic.

Saw this coming a million miles away.

Sat Nov 1, 2014, 08:24 AM
Nuclear Unicorn (12,580 posts)
7. Were you one of the Cassandras warning against this back during the law's debate? If so

maybe we can hang out together and show each other our scars from where we were raked over the coals.

When the catastrophic-coverage only plans were being cancelled everyone kept clucking that those were bad plans that had no use. First, I noted that telling people they were stupid and didn't know what was best for them was a lousy electoral strategy. Now we see that the new plans are no better than catastrophic coverage except now the policy holder has less money to spend elsewhere because the policy is so expensive do to all the additional coverage that has been mandated -- which they can't use because the deductible is now too high.

It was glaringly obvious to anyone was actually paying attention.

Sat Nov 1, 2014, 12:27 PM
Lydia Leftcoast (47,656 posts)
13. I was one of the ones who argued that Obama was caving again

and that the proposed law was too complex and non-transparent.

I pointed out the following facts:

1) It was nearly impossible to find an executive summary of the proposal--I had to dig through several layers of the Kaiser Foundation's website to find one.

2) The lack of transparency created the impression that Obama was working for single payer, which
a) Gave false hope to liberals, since
b) The right wing was dredging up horror stories from British and Canadian tabloids, knowing that the average American doesn't realize that the two systems are entirely different,
c) So it was not unreasonable for liberals to believe that Obama was working on single payer, since they had no information other than what the right-wing was telling them, even though they thought single payer was a good thing instead of a bad thing.

3) While single payer was supposedly "impossible," Obama in 2009 had some of the most enthusiastic and energetic volunteers I had seen since 1972, and they were still "warm" from the election campaign. If Obama had really wanted to institute single payer, he would have mobilized his volunteers to go out into their communities and spread the word.
He would also have borrowed a tactic that Reagan frequently used and gone on TV to explain his plan in no more than 5 bullet points and then urged the audience to contact their Congress critters if they agreed.

4) When the public option was scrapped (It would have been easy, both in practical terms and in explainability, to drop the age for eligibility for Medicare by five years every year. This would have had the added benefit of shoring up Medicare's finances, since younger people are usually healthier), I knew that we were going to get Romneycare.

Sat Nov 1, 2014, 07:29 AM
KG (25,151 posts)
5. oh c'mon. Affordable Crap Act is the greatest thing ever in the history of mankind. because obama!

Sat Nov 1, 2014, 10:29 AM
Star Member FlaGranny (8,136 posts)
11. No one ever thought that.

Not that I know of. Only a step in the right direction. Obama got what he could, but he foolishly gave ground before even starting negotiations, thinking he would get a tiny bit of cooperation. Took him a while to catch on that there would be no cooperation from troglodytes. I attribute his foolishness in this regard to his spirit of cooperation and good will. Unfortunately there is no good will among the troglodytes.

Really?  No one ever thought that?  Well there you have it, CCers, not a single primitive at the DUmp though Obumblecare was great, because Obumbles.    If only those wascally weepublicans that were locked out of all meetings and not a single one voted for this anchor...err.. bill would have done so, we'd be able to hang this albatross on their neck, and people would believe us!

[Delmar]

If the DUmmies think that it's bad now, just wait until after the elections.  Barry has got a big surprise for the DUmmies. 

Originally, the Affordable Care Act's open enrollment period for the 2015 plan year was scheduled to begin on Wednesday, October 15, 2014.  However, the start date was later delayed by the Administration to Saturday, November 15, 2014, after the midterm elections held in early November.

http://insurancenewsnet.com/oarticle/2014/10/30/poll-majority-of-americans-see-political-motive-behind-delay-of-obamacare-enrol-a-571104.html#.VFUPD0tYZFw

Bend over, here it comes again!

[obumazombie]

No one ever thought that the smartest man ever to live, the one who should be worshipped for his expansive knowledge, the one who used every event for "teachable moments" to enlighten the wholly unwashed, wouldn't get owebumacare right the first time. Well then, that's racist.

[BattleHymn]

No one ever thought that the smartest man ever to live, the one who should be worshipped for his expansive knowledge, the one who used every event for "teachable moments" to enlighten the wholly unwashed, wouldn't get owebumacare right the first time. Well then, that's racist.

Nice.  H5. 

[DumbAss Tanker]

So it was not unreasonable for liberals to believe that Obama was working on single payer, since they had no information other than what the right-wing was telling them,

...And who should be held accountable for that opportune silence, Lydia?  That would seem to a rational person to fall squarely on the shoulders of the the proponent party, i.e. yours.  However, I'm sure you'll find some way to blame the corporations, Bush, the 'Right-wing' media, or the GOP, since you are a long-term inhabitant of your own party's 'Molokai for the embarrassingly brain-damaged.'

[Ralph Wiggum]

Sorry DUmmies, we warned you about this.  So now:

[BannedFromDU]

     Well, they can't credibly say they weren't warned (although it looks like they're going to try).

     Let me say this AGAIN for the lurking morons: under the BEST of scenarios, 0losercare canceled perfectly good plans that amounted to catastrophic care and replaced them with worse plans, with the come-on that it was an improvement because it covered things like prostate screening for women and menopause treatment for men. It was better coverage, we were ASSURED by a long line of you sarcastic asshole DUmmies. Yet it appears for all the world that you simply forgot that there would be enormous deductibles to pay.

     That, or you simply decided that the deductibles don't apply to you. I mean, what are they going to do, lock you up? No, not exactly. They'll just bump the prices up next year to account for shiftless losers like yourselves, and that will be the death spiral: not enough payers to make up for deadbeats like yourselves. And THEN you people think you're going to get single payer? Um, yeah. Not exactly. Did you notice that under 0losercare, everyone has to pay something? Know why? Because healthcare costs money. Even in your vaunted Europe, where everything is free, the lowest-income citizens pay upwards of 40%. Where do you think that money goes? TO SOCIALIZED MEDICINE.  The only ones among you that would benefit from socialized medicine are those of you who have ZERO, ZIP, NO income. But your healthcare is already socialized, because you make no bones about your unwillingness and lack of ability to pay anyway.

     There is no healthcare outcome that gets you what you want: for you to have free shit that others pay for. That isn't going to happen. Deal with it. And get a job, you losers.

 

[Carl]

Nuclear Unicorn may be a liberal but has far too much rationality for the DUmp.

[RobJohnson]

Hey DUmmies 40 million people are still uninsured. The net benefit was 1M new people with insurance.

Obama lied.

[Ralph Wiggum]

Nuclear Unicorn may be a liberal but has far too much rationality for the DUmp.

Clearly a liberal, but seems to relish teasing the other DUmmies who are so blindly partisan.

[BlueStateSaint]

Nuclear Unicorn may be a liberal but has far too much rationality for the DUmp.

Has said primitive ever been asked to maybe sign up here?

[thundley4]

Sat Nov 1, 2014, 10:29 AM
Star Member FlaGranny (8,136 posts)
11. No one ever thought that.

Not that I know of. Only a step in the right direction. Obama got what he could, but he foolishly gave ground before even starting negotiations, thinking he would get a tiny bit of cooperation. Took him a while to catch on that there would be no cooperation from troglodytes. I attribute his foolishness in this regard to his spirit of cooperation and good will. Unfortunately there is no good will among the troglodytes.

Obama, Reid and Pelosi rammed Obamacare through congress without a single republican vote.  They had control of the presidency, the house and the senate. They could have given you single payer just as easily as ObamaCare, but did they?

Hell no, they gave billions to insurance companies.

[Boudicca]

Has said primitive ever been asked to maybe sign up here?

I dunno, isn't NU the wench who hated her conservative boyfriend last year?  I may be confused her/him with shit stained Skittles or something.

[franksolich]

I dunno, isn't NU the wench who hated her conservative boyfriend last year?  I may be confused her/him with shit stained Skittles or something.

You're probably perhaps thinking of the Sarah Ibarruri primitive.

I think the nuclear primitive's married to a conservative, but don't take my word on it, as I could be wrong.

[Boudicca]

You're probably perhaps thinking of the Sarah Ibarruri primitive.

I think the nuclear primitive's married to a conservative, but don't take my word on it, as I could be wrong.

Nah, frank, I think you are right, but before the bitch married said hubby, she angsted all over DUmmieworld about how he was a conservative and she just couldn't luuuuuv a primitive.

I thought Ibarruri ended up a sour, embittered spincter who needed professional assistance?
Upon reflection, THAT could refer to ALL DUmpieDenizies, male or female.

[I_B_Perky]

Has said primitive ever been asked to maybe sign up here?

Maybe "she" already is.   

[RobJohnson]

If the DUmmies think that it's bad now, just wait until after the elections.  Barry has got a big surprise for the DUmmies.  http://insurancenewsnet.com/oarticle/2014/10/30/poll-majority-of-americans-see-political-motive-behind-delay-of-obamacare-enrol-a-571104.html#.VFUPD0tYZFw

Bend over, here it comes again!

The delay until after the midterm elections did not work out so well! LOL

[franksolich]

Oh geezuz gawd.

... went to get a flu shot yesterday... no one will take my insurance out of state...

An influenza shot costs twenty bucks, at most twenty-five.

The primitive can't swing that, out of his pocket-change?

Why is it so necessary to the primitives that someone else pay their medical bills, no matter how tiny?

[JohnnyReb]

Oh geezuz gawd.

An influenza shot costs twenty bucks, at most twenty-five.

The primitive can't swing that, out of his pocket-change?

Why is it so necessary to the primitives that someone else pay their medical bills, no matter how tiny?

But it's supposed to be FREE FREE FREE

[Big Dog]

Oh geezuz gawd.

An influenza shot costs twenty bucks, at most twenty-five.

The primitive can't swing that, out of his pocket-change?

Why is it so necessary to the primitives that someone else pay their medical bills, no matter how tiny?

Like the whole contraception thing.

DUmmies expect the government to pay for it, when a condom costs 50 cents in a truck stop bathroom.

[JohnnyReb]

Like the whole contraception thing.

DUmmies expect the government to pay for it, when a condom costs 50 cents in a truck stop bathroom.

Reminds of a sign I saw 50 years ago over one of those long trough urinals at a truck stop.

PLEASE DO NOT THROW MATCH STICKS IN URINAL
                crabs can pole vault out

[Dori]

Oh geezuz gawd.

An influenza shot costs twenty bucks, at most twenty-five.

The primitive can't swing that, out of his pocket-change?

Why is it so necessary to the primitives that someone else pay their medical bills, no matter how tiny?

My last three were at the local drug store.  Didn't have to make an apt, it's close and convenient.