DUmmy looks up and a unicorn shits on his head.

[Carl]

http://www.democraticunderground.com/10021890586

bvar22 (27,840 posts)

The Mandated "Bronze" Policy on The Exchange will only cover 60% of the actual Health Care Cost?

 

"There will be four different categories of plans available on the exchange: bronze, silver, gold and platinum (as well as a catastrophic plan available mostly to young adults). The benefits of the four plan types will be similar; all will cover a package of comprehensive “essential health benefits” yet to be determined by the secretary of Health and Human Services. What will vary is a family’s cost-sharing responsibility for each of the plan types. Someone in a bronze plan can expect it to cover 60 percent of average medical costs in the plan, "

http://prescriptions.blogs.nytimes.com/2010/06/08/why-would-i-sign-up-for-a-bronze-plan/

"For a bronze plan, the insurance would cover 60 percent of all health care costs for an average person. Enrollees, on average, would be responsible for paying 40 percent of the costs. For a platinum plan, an average individual would pay 10 percent out-of-pocket for their covered benefits and the insurer would pay 90 percent. However, individuals with high-cost health conditions could end up paying significantly more than the average person."

http://101.communitycatalyst.org/aca_provisions/coverage_tiers

What possible benefit will this be to the millions barely hanging on to the Middle Class who will be MANDATED to buy these policies?

If they have an accident or get sick enough to require a couple of nights in a hospital, they will lose everything whether or not they have this "Bronze" Insurance.
The only real difference is that after 2014, they will be required to also pay a monthly tithe to a For Profit Health Insurance Corporation for the privilege of STILL going Bankrupt if anything happens to them.


I WAS under the impression that Total Out of Pocket costs were capped at a percentage of an individual's income,
but apparently, THAT only applies to the Premiums the Health Insurance Vultures are allowed to charge,
and does NOT apply to the cost of the actual Health CARE if someone tries to USE their "Bronze" Insurance.

PLEASE tell me I am wrong,
and show me where I have misread or misinterpreted this information.

If the millions of Mandated Bronze Policy Holders are still required to pay 40% of the actual Health Care Cost,
then 2014 is going to be a rough year for the Democratic Party.

In civilized countries, Medical Bankruptcy is virtually unknown.

Would like to say told ya so but...nah,eff it...
Told ya so DUmbass.
This thing is going to bankrupt us and you still get nothing.

Recursion (18,883 posts)
1. Both premiums and out-of-pocket are capped

Premiums are capped at 9% of income. Out of pocket expenses are capped at something that's probably too high, though I can't remember exactly what it is.

Schema Thing (8,363 posts)
2. You are wrong



and you didn't get "information" you got "editorialization" (and then you doubled down on editorialization by writing some of your own).

You went wrong when you didn't go "hmm, I know that's wrong, let me go verify what the reality of the law is".

bvar22 (27,840 posts)
5. If what you say is true,

....then you can provide links that support your claim.
Please do so.

*crickets*

riderinthestorm (11,606 posts)
14. Bvar's quote is very similar to the Kaiser Family Foundation release on this

and they've provided a lot of really good info so far, in plain english.

http://www.kff.org/healthreform/upload/8303.pdf

They seem to be saying that the Bronze plan is similar to a catastrophic plan. That the out of pocket deductible IS capped but at close to a $6500 deductible. That's a LOT of $$. Combined with the premium payment, its still enough to bankrupt the working poor if someone got really sick.

You own it fool.

Then in a fun exchange ProSense gets slapped hard.

ProSense (91,551 posts)
11. What a

I WAS under the impression that Total Out of Pocket costs were capped at a percentage of an individual's income,
 but apparently, THAT only applies to the Premiums the Health Insurance Vultures are allowed to charge,
 and does NOT apply to the cost of the actual Health CARE if someone tries to USE their "Bronze" Insurance.

PLEASE tell me I am wrong,


...confusing mess of misinformation. First of all premiums are capped. Secondly, you're confusing the cost and the ratios with the premiums. Even with a plan that covers 80 percent of the cost, premiums would still be capped.

There is so much information available in easy to read language: http://www.healthcare.gov/

bvar22 (27,840 posts)
18. Ok ProSense. You can make everything crystal clear...

..as soon as you post a link to a credible site that states that "Bronze Plans" on The Exchange cover 100% of the actual Health Care Cost, or state that Health Care Costs are capped at a percentage of income.

I was unable to find a clear statement to that effect,
but this should be EasyPeasy for someone like you!

ProSense (91,551 posts)
19. Sort it out yourself. You're smart enough

Premiums are capped. Start there. You know what that means.

You know you are in over your head when this is the response you have to give.

bvar22 (27,840 posts)
23. Premiums are capped, and also subsudized depending on need.


Last edited Tue Nov 27, 2012, 04:57 PM USA/ET - Edit history (1)
OK.
I get that.
Everybody will have access to Affordable Insurance.
But "Premiums" have absolutely nothing to do with the delivery of actual Health Care at the Hospital,
and YOU know THAT.
So WHY are you being so evasive here?

Will the holder of a mandated "Bronze Plan" bought on The Exchange in 2014 be liable for 40% of the delivered Health CARE cost as the links I posted above (and many more all over the Net) indicate?
Are the liabilities for delivered Health CARE capped for the holder of a Bronze Plan?
(Please show your work.)

riderinthestorm (11,606 posts)
24. Wow! Its a first - usually you are all about educating us about Obama's positions and policies

There must be a graph somewhere that lays this out. Income levels, deductibles, out of pocket expenses....

That's bvar's point and honestly I agree with her. Its impossible to find clear data on what this is going to cost.

Since you seemed very plugged in to this Admin, I'd be grateful for help in sorting this out. Clearly I'm stupid about this since I can't find it either. Happy to fess up my ignorance and receive some guidance.

ProSense (91,551 posts)
29. "Since you seemed very plugged in to this Admin, I'd be grateful for help in sorting this out. "


Last edited Tue Nov 27, 2012, 05:10 PM USA/ET - Edit history (1)
I'm "plugged in to this" thing called the Internet.

I sorted it out for myself. It's a good feeling. Try it.

riderinthestorm (11,606 posts)
32. Tried. Can't find it. So you won't help us out here with a table or graph?

Where this is clearly laid out?

B2G (1,174 posts)
34. There is no table. None exists.

The link he provided goes to a page with the entire bill and some not-so-helpful faqs.

Probably because they're making this bullshit up as they go along.

ProSense (91,551 posts)
35. Try harder. n/t

riderinthestorm (11,606 posts)
40. Or you could just provide it? Why are you being so coy about THIS?

Obviously you know where the information is, the rest of us can't find it. Why not simply put it out there?

ProSense (91,551 posts)
45. I'm still

celebrating Obama's victory.

In fact, the ACA being the law of the land is kind of sweet!

You DUmbass,you have shown yourself to be a complete useful idiot.

leftstreet (21,043 posts)
20. We're ****ed n/t

We all our but you wanted it so excuse me while I chuckle at your misery.

[wasp69]

leftstreet (21,043 posts)
20. We're ****ed n/t

Yeah, well...

[Chris_]

All the random caps in that post gave me a headache.

[MrsSmith]

No reason to do any research before the election.   

[Ogre]

No reason to do any research before the election.   

Of course not!  Just like one of their leaders stated, "we have to pass the bill to know what is in it". 

[jukin]

The poor, women, children, and minorities to be hit worst. I guess the one silver lining in this shit cloud is that the DUches will be some of the hardest hit by the cACA bill.

The young DUche 0bama voter will get to pay for health insurance that they would not have.

The old DUche 0bama voter will get to have few to no treatment options as 0bama stole $730 billion from medicare.

All DUches will get a hit on both the quality and timeliness of treatment plus a really terrible economy. You know it is almost like the communists put this bill together to really hurt America and Americans.

 

[GOBUCKS]

leftstreet (21,043 posts)
20. We're ****ed n/t

That represents no change in the status of most DUmp democrats.

I guess they're glad they passed the bill so they could find out what's in it.

[Ballygrl]

Did they actually think Obamacare was going to be free?

[BlueStateSaint]

Did they actually think Obamacare was going to be free?

Yup.

[Carl]

Did they actually think Obamacare was going to be free?

Given that there is still almost a complete mystery of what the law entails (see dick licker ProSense getting thumped) I am sure most DUmmies believed that somehow they were taken care of deep within its wording.

What it is though is a masssive transfer of resources to the government and the first step in tying health care to government control...ie:your personal well being to a bureaucratic maze of dependency.

[Gina]

DUmmy looks up and a unicorn shits on his head.

   CLASSIC!

[Gina]

ProSense (91,551 posts)
45. I'm still

celebrating Obama's victory.

In fact, the ACA being the law of the land is kind of sweet!

leftstreet (21,043 posts)
20. We're ****ed n/t

   That's what WE have been saying!   

[JohnnyReb]

A hi 5 for thread title......it's so appropoooooooo......  .

[Karin]

Carl, the thread title was magnificent. 

A see that a handful of DUmmies are waking up to this hideous monstrosity.  Look at our idiotic electorate.  Does anyone believe that anyone understands any of this?  An intelligent, well-focused person could make a strenuous effort to understand it, and they'll still come away confused.  Our own HR dept is confused, and says it's full of contradictions.  The obamazombie mouthbreathers probably still assume it means that everything is free. 

2014 is going to be an interesting year. 

[JohnnyReb]

Carl, the thread title was magnificent. 

A see that a handful of DUmmies are waking up to this hideous monstrosity.  Look at our idiotic electorate.  Does anyone believe that anyone understands any of this?  An intelligent, well-focused person could make a strenuous effort to understand it, and they'll still come away confused.  Our own HR dept is confused, and says it's full of contradictions.  The obamazombie mouthbreathers probably still assume it means that everything is free. 

2014 is going to be an interesting year. 

Yep, a Feelly-dell-fee-ah lawyer can't understand it..... wrote it that way on purpose .... WITWOP ....so they could WOP the WITLESS DUmmies up side the head with it.

[Carl]

Carl, the thread title was magnificent. 

A see that a handful of DUmmies are waking up to this hideous monstrosity.  Look at our idiotic electorate.  Does anyone believe that anyone understands any of this?  An intelligent, well-focused person could make a strenuous effort to understand it, and they'll still come away confused.  Our own HR dept is confused, and says it's full of contradictions.  The obamazombie mouthbreathers probably still assume it means that everything is free. 

2014 is going to be an interesting year. 

From the DUmmy op again...

"There will be four different categories of plans available on the exchange: bronze, silver, gold and platinum (as well as a catastrophic plan available mostly to young adults). The benefits of the four plan types will be similar; all will cover a package of comprehensive “essential health benefits” yet to be determined by the secretary of Health and Human Services. What will vary is a family’s cost-sharing responsibility for each of the plan types. Someone in a bronze plan can expect it to cover 60 percent of average medical costs in the plan, "

http://prescriptions.blog...ign-up-for-a-bronze-plan/

If I understand it correctly that phrase in red is an oft repeated portion of the law.
At this point this thing is a bus heading down the highway at runaway speed with no one knowing how to drive it.

[EagleKeeper]

With the DUmmies, the trail to self delusion always starts innocently enough, that first little fib they tell themselves.

The propaganda ministry takes it from there. 

[JohnnyReb]

2,700 pages of Obamacare......got to be something in there to cover taxidermy?

[BlueStateSaint]

At this point this thing is a bus heading down the highway at runaway speed with no one knowing how to drive it.

How appropriate.  H5 for that, neighbor.  Plus, the SCOTUS told the 4th Circuit to go back and hear a case brought by Liberty University on the religious mandate (different from the individual mandate).  I think that they would not have done that unless they thought that they probably got it wrong the first time, or Chief Justice Roberts signed off on the directive.  I'm beginning to think that he (CJ Roberts) just might go our way this time.

[Karin]

Let's take a look at that Cleveland Obamaphone zombie creature.  Think she knows what's going on here?  How can this admin possibly hope to herd 300 million stupid cats?  And if the truth about Obamacare ever, ever penetrates its way into all the empty skulls out there, there's going to be a catastrophic meltdown. 

[Wineslob]

That shit sandwich............................enjoy it, you stupid ****ers. 

[Gina]

Let's take a look at that Cleveland Obamaphone zombie creature.  Think she knows what's going on here?  How can this admin possibly hope to herd 300 million stupid cats?  And if the truth about Obamacare ever, ever penetrates its way into all the empty skulls out there, there's going to be a catastrophic meltdown. 

WHAT A GREAT VISUAL for them, Karin!     Send that to Rush! 

[Karin]

 

The brawl continues, as well as the awakening:

Response to WorseBeforeBetter (Reply #74)
Tue Nov 27, 2012, 10:35 PM
 Skip Intro (17,175 posts)
77. ^ Important Post ^

If you live paycheck to paycheck and were counting on Obamacare to give you real access to good healthcare, you're evidently in for a rude awakening.

It's absolutely unworkable.

Response to Skip Intro (Reply #77)
Tue Nov 27, 2012, 11:22 PM
 WorseBeforeBetter (7,086 posts)
78. Yeah, I just played around with the calculator.

http://healthreform.kff.org/subsidycalculator.aspx

It's insanity. Many may just say "**** it" and pay the damn penalty.

Response to WorseBeforeBetter (Reply #74)
Wed Nov 28, 2012, 12:42 AM
 Safetykitten (3,429 posts)
85. Oh dear, the truthiness is starting to come out!

Oh my, what is the party line now on the heathcare thingy as it's nightmarish crawl from the insurance pool begins? How do we tell people that this is the best thing since sliced bread? How long can we keep this cluster**** a secret?

Well not for long now apparently. Things to ponder as our new ****eded up system of insurance serfdom comes lurching towards us:

What about people stuck in dead end jobs that would like to go to another company but hesitate to because having dismal insurance is better than no insurance.

What are the time frames of people that quit their job and then want to purchase insurance?

Why are companies now limiting part-timers to 28 hours a week only?

What is the waiting period for having Cobra then getting on the new exchange?

Will companies do the math and then abandon all healthcare to employees?

Why are there three classes, and why do people pay so much that have so little?

What surprises do the insurance companies have in the future, because we all know they know how to game the system that they wrote the rules for?

Stay tuned kiddies for a future of it really not making a difference and it would of been better if nothing had been done.

The costs are astronomical.  Nobody can afford those kinds of numbers.  The idiots who wrote this thing have no idea what it's like to live in the real world, making ends meet on a basic normal person's salary.  Living in the Washington DC bubble, with a fat salary and investments, and exempting themselves from the law.  

I hope this permanently damages the democrat party.  I feel like sending that link to my useless dem rep who voted for the piece of shit.  

ETA:  Here's another healthcare thread, with ProSense of course showing up to cheerlead.  How annoying is he?

DUmp Link

The OP is a DUmb dude who thinks we have "national healthcare" now. 

[wasp69]

How can this admin possibly hope to herd 300 million stupid cats? 

[wasp69]

The brawl continues, as well as the awakening:

No shit.

Response to WorseBeforeBetter (Reply #74)
Tue Nov 27, 2012, 10:35 PM
 Skip Intro (17,175 posts)
77. ^ Important Post ^

If you live paycheck to paycheck and were counting on Obamacare to give you real access to good healthcare, you're evidently in for a rude awakening.

 

Response to Skip Intro (Reply #77)
Tue Nov 27, 2012, 11:22 PM
WorseBeforeBetter (7,086 posts)
78. Yeah, I just played around with the calculator.

http://healthreform.kff.org/subsidycalculator.aspx

It's insanity. Many may just say "**** it" and pay the damn penalty.

DUmmies, you'll be begging for this cup to be taken from your lips.