Southern DUmbasss served up grits via cACA

[dutch508]

This will not go well at the DUmp. The new playbook is to demand personal information on wage, satus, ect or Barry the truth bringer is a lying sack of shit.

Are_grits_groceries (13,776 posts) http://www.democraticunderground.com/10024050782

I found out my options under the ACA.
Last edited Mon Nov 18, 2013, 09:59 AM - Edit history (1)

I waited to try to log in and I did this weekend.
I first found out I would have a credit of $340. Yay!

I was offered over 10 options. The coverage varied, but there were a couple I could afford. There was just one teeny catch. THEY ALL HAD $6000 DEDUCTIBLES. There were Bronze, Silver, Gold and Platinum plans or as I refer to them: Tin, Aluminum, Brass and Lead.

I am not calling anybody to complain. All has been said about the ACA's faults. I know that a lot of people will have better coverage or coverage period. I could bitch to my RINOs-Representatives-In Name Only.

Those shites and others in their coven are responsible for a lot of the trouble in setting up this program. They have obstructed it at every turn. In addition, the coverage that is available would be better if they had helped or at least done nothing negative. However, some ire has to be aimed at those who put the website together- R.Goldberg Inc.

I am in the same leaky boat I have been bailing out for a long time. In the meantime, those jackasses better not touch Medicare, Social Security, or any other program that benefits people. It is past time to close tax loopholes, cut corporate subsidies and raise taxes on the 1-damn-%. Don't give up one red cent.

I am now waiting for Medicare. I hope Godot isn't driving that bus.

Now, now, Dumpmonkie. Don't be a burden- pay your fair share!

Yo_Mama (4,771 posts)
3. This is what a lot of people in ruralish counties are facing

If you don't get the cost-sharing subsidy, moderate income folks are going to be shit out of luck when it comes to getting medical care.

And this is why all the left talk about "crappy policies" is failing, because all too many are finding that their only ACA options are the crappy insurance we all so hated and that people believed ACA was meant to ban.

The worst part of it all is that in many areas, these people could get cheaper, better policies before.

And whatever you see as an individual is pretty much what small companies are faced with, so this affects tens of millions more that are not being officially acknowledged.

We have to close with this issue and address it, otherwise it will turn many purple counties red.

This country desperately needed health care reform, and no attempt to reform is ever totally successful when attempted, but we cannot stop here.

You think this will hurt the dem party? Yeah... maybe...  

bluestate10 (10,169 posts)
96. People have to show their asses up at the Polls and vote. That is the only way that it will

get fixed, with Democrats in firm control in the House and Senate and holding the Presidency. I think Democrats have seen the problem with the ACA and will fix them if they regain control of all of Congress.

You dumb ****! The dems having total control of the House, Senate, and President is what gave us this mess!

BlueStreak (5,834 posts)
67. The ACA was primarily intended to address the 45 million who have no coverage

I am sorry that you don't like the coverage you have. I am sorry that all our health care isn't free. I am sorry there really isn't a beer tree. I wish somebody would buy me a new car.

But I don't see where it is helpful to blame the ACA for a situation it was never intended to address and nobody ever claimed it would address.

It is OK to say "The ACA wasn't designed to help those of us with employer insurance." It is not OK to say or imply "The ACA sucks." when you are talking about something it wasn't intended to do in the first place.

If you are with a small business. I hope the business owner has made the effort to look into the ACA provisions that do help small businesses afford better coverage.

How telling is that? Yes, the ACA isn't meant to help the middle class... it's to destroy the middle class and drive them into government care.

Humanist_Activist (2,613 posts)
73. Its not a matter of liking it, its a matter of being able to afford to use it.

Jesus ****ing Christ could you be any more condescending and insulting?

Le Taz Hot (15,827 posts)
56. Yes, and the OP is obviously distressed

about her situation, as are many of us. Their reaction from these people is disgusting.

We're not lying and we're not stupid. We've gone over the numbers, played with the numbers, moved things around in different scenarios and the outcome is always the same. The insurance that you can afford doesn't cover anything and has huge deductibles. The good stuff, the stuff you really need, is unaffordable. And yes, that's WITH subsidies.

 

enlightenment (7,137 posts)
92. Are you seriously moving from

"The OP doesn't know what they're talking about" to "I can't see any reason why bronchitis is such a problem for them - why aren't they in the hospital if it's that bad?"

Christ on a pogo stick. I'm surprised you haven't choked on your own sense of superiority by now.

Are_grits_groceries (13,776 posts)
32. Stop it!

Deductible 6300
Out-of-Pocket 6300

Primary care doctor visit No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
Specialist visit No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
X-rays and diagnostic imaging No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network
Laboratory and outpatient professional service No Charge After Deductible In-Network; 50% Coinsurance after deductible Out-of-Network

Stop telling me what I do or do not understand!
I do understand. I have purchased insurance policies before.

You can't make chicken soup out of this chicken shit!

JUST STOP IT!
EVERYBODY!

 

   Yeah... you guys voted for this shit.

stevenleser (16,323 posts)
78. No, you stop it. Any information posted is subject to being challenged. This is no exception.

If I tell you XYZ candidate is the best one, plenty of people are going to challenge me on that.

I have no idea why some people have the problems they do to understand this. Its not a special exception when someone posts outlier information on the supposed quote they got from healthcare.gov

If you have a doubt on how information can be challenged here, try posting something pro or anti Hillary or Elizabeth Warren.

If your expectations are that you can post something on DU and not be challenged, you need to adjust your expectations.

just a little bit of a kerfluffle... oh... it gets worse...

[BadCat]

Well 'grits'...all I can say is...

YOU VOTED FOR IT.
YOU OWN IT!

[EagleKeeper]

The latest trial balloon the Sotero administration has floated is to let people go to the websites of individual insurance providers and do their shopping.

There are a couple of problems with this...

1) According to the law (heh) if you do not get your insurance on the state or federal exchanges...no subsides for you.

Now, if we assume that this law is dynamic and can be changed at the will of the administration. (again... )

2) Every insurance company that offers a policy that complies with barrycare and qualifies for subsidies will necessarily need to be able to interface with the federal data hub.

(Okay, I hesitate to continue to harp on it but I would like to see the federal data hub nuked from low earth orbit.)



Edit: Here is the link that I'm being racist about.

http://www.hhs.gov/healthcare/facts/blog/2013/11/direct-enrollment.html

[SSG Snuggle Bunny]

Hurry up and get sick.

[Delmar]

Response to Are_grits_groceries (Reply #7)Mon Nov 18, 2013, 03:26 PM
Star Member BlueStreak (5,835 posts)
29. I don't really understand the complaint

Yes, I get that $6000 deductible is high. However, for $150/mo you are getting protection from a financial wipe-out. You are getting insurance that cannot be cancelled. You are getting preventive health care for free. What is the complaint, exactly?

And no, you could not buy any of that before for $150/month. You couldn't buy a policy at any price that couldn't be cancelled. And You sure couldn't buy a policy for $150/mo that included preventive care for free.

Look, the ACA is about cutting our national drain of HC costs by allowing Americans to be healthier and moving health care from the ER to the PCP's office whenever possible. You have an obligation to do your part, and it seems to me this is a darned good deal.

BlueStreak doesn't get it, a $6,000.00 deductible is high--financial wipe-out level of high--especially for DUmmies, who consider $75.00 to $100.00 a nest egg.

On the up side, BlueStreak tells us that preventive care is free, twice.  As free as the sunshine.

[jukin]

THEY ALL HAD $6000 DEDUCTIBLES.

This is what a superior insurance plan has.

You deductible has been lowered from $3000 to $6000.

I can't wait until the first DUchebag says "Does Obama know of this?"

[EagleKeeper]

I can't wait until the first DUchebag says "Does Obama know of this?"

I know, this is low hanging fruit but I can't resist.

Does Barry know anything about anything that is happening in his own administration?

I know that if I was going to institute my signature (read historic) law I sure wouldn't pay any attention to it.

Plausible deniability and all.

[Freeper]

BlueStreak doesn't get it, a $6,000.00 deductible is high--financial wipe-out level of high--especially for DUmmies, who consider $75.00 to $100.00 a nest egg.

On the up side, BlueStreak tells us that preventive care is free, twice.  As free as the sunshine.

I once had a plan with a high deductible, they only paid for one wellness visit a year, so I got my wellness visit and because of my hypertension they coded the visit as hypertension and the insurance paid nothing. So while free preventive care may sound nice, just hope they don't find anything wrong because you will get the bill. I can't wait for them to start using their free healthcare and whining when they get the bill.

[JohnnyReb]

I know, this is low hanging fruit but I can't resist.

Does Barry know anything about anything that is happening in his own administration?

I know that if I was going to institute my signature (read historic) law I sure wouldn't pay any attention to it.

Plausible deniability and all.

It has to run through the MSM first and then he knows.....nothing about it.

[DumbAss Tanker]

On the up side, BlueStreak tells us that preventive care is free, twice.  As free as the sunshine.

Yeah, I'm not so sure how free that 'Free' really is, like is that free but subject to the co-pay requirement, or free after your first $6000 of qualified medical expenses per year to cover the out-of-pocket provision?  I wouldn't bet on it until the provider actually said 'No charge to you.'

[USA4ME]

Steven the lesser is as immature as they get.

.

[dane]

Admitting at the start I'm not always the brightest bulb on the tree, but the way the DUmmies bandy the word "free" about when discussing obamacare confuses me.

I cannot understand how it is "free".  Someone is paying for it.  I suspect the 'someone' is one who actually pays a federal income tax, and some of that federal income tax goes to pay for "free" stuff that others who do NOT have a federal tax burden expect/receive - part of the redistribution of assets.  I suspect the obacamare subsidies are similar.

Is this wrong?

[Karin]

I imagine the "free" is just tucked into the monthly premium.  They call it free as a marketing gimmick.  That "preventive" stuff is very rudimentary.  Height, weight, blood pressure.  NEXT.

Why is Steven the Lesser doubting Grits like that?  She is long-standing DUer and a loyal democrat.  Why would she lie?  He looks like a real asshole up there. 

[Dori]

Admitting at the start I'm not always the brightest bulb on the tree, but the way the DUmmies bandy the word "free" about when discussing obamacare confuses me.

I cannot understand how it is "free".  Someone is paying for it.  I suspect the 'someone' is one who actually pays a federal income tax, and some of that federal income tax goes to pay for "free" stuff that others who do NOT have a federal tax burden expect/receive - part of the redistribution of assets.  I suspect the obacamare subsidies are similar.

Is this wrong?

No, your right.  Obamacare is a redistribution of wealth scheme.  Those who make enough to pay income tax will be paying for others' insurance through higher premiums and through federal taxes. 

[Freeper]

I imagine the "free" is just tucked into the monthly premium.  They call it free as a marketing gimmick.  That "preventive" stuff is very rudimentary.  Height, weight, blood pressure.  NEXT.

Why is Steven the Lesser doubting Grits like that?  She is long-standing DUer and a loyal democrat.  Why would she lie?  He looks like a real asshole up there. 

It's like the "free cell phones" you get for signing a 2 year contract, the price of that "free phone" is contained in your monthly bill.

[Big Dog]

Yeah, I'm not so sure how free that 'Free' really is, like is that free but subject to the co-pay requirement, or free after your first $6000 of qualified medical expenses per year to cover the out-of-pocket provision?  I wouldn't bet on it until the provider actually said 'No charge to you.'

DAT,

My understanding that all medical costs apply toward the deductible. The "at no cost to the patient" part doesn't kick in until the annual deductible is met. After the deductible is met, "preventive services" are exempt from copay. But, as Freeper pointed out, an exam for a pre-existing condition would not be considered "preventive services".

[dutch508]

I can't wait until the first DUchebag says "Does Obama the Fuhrer Barry know of this?"

Just cleaned it up a bit for ya!

[DumbAss Tanker]

DAT,

My understanding that all medical costs apply toward the deductible. The "at no cost to the patient" part doesn't kick in until the annual deductible is met. After the deductible is met, "preventive services" are exempt from copay. But, as Freeper pointed out, an exam for a pre-existing condition would not be considered "preventive services".

I look forward with anticipation to the DUmmies discovering the user-friendly simplicity of the system as you describe it.

 

[98ZJUSMC]

Those shites and others in their coven are responsible for a lot of the trouble in setting up this program.

Explain, idiot.  Seriously.

[Mike B the Cajun]

Lemme see if I have this right:

We said from the beginning that this was just a power grab.

We also said it would increase the deficit by many magnitudes.

We were not allowed to have any input in the makeup of this monstrosity.

It was passed in the middle of the night with absolutely no Republican support or votes. We weren't even there for the vote.

It was passed by dubious, if not illegal means.

We were called racists, and other vile names when we spoke out against it.

Every attempt to rectify the situation was met not with reasonable debate, but namecalling, obfuscation, etc.

We submitted legislation to defund this obamanation, we were called terrorists, racists (again), anti-woman and anti-children, and more. They went as far as shutting down the government to make it painful.

During this shutdown, they went out of their way to make it as painful as possible on us, to include throwing our veterans off a memorial that never had a guard on it before, but opened it up to non-citizens (aka illegal immigrants) to protest our "racist" practices, like calling them illegal immigrants. (They did violate American law to enter the USA, hence the illegal tag)

When the rollout debacle started, they accused us of deliberately sabotaging the website and other nefarious deeds.

Five million plus people have received cancellation notices, but it's only 5 percent of the eligible populace, so we are told.

So...

After all this crap, they expect us to go in and try to fix their screw-ups. (All they want is our fingerprints on it to blame the coming Armageddon on us.)

Have I got it right so far?          

[jukin]

Yeah, I'm not so sure how free that 'Free' really is, like is that free but subject to the co-pay requirement, or free after your first $6000 of qualified medical expenses per year to cover the out-of-pocket provision?  I wouldn't bet on it until the provider actually said 'No charge to you.'

It is never free. Once you have paid over $6300 in a policy year or FY (depends on insurance Co.) then depending on plan you still pay a percentage. In the Bronze plan you pay 40%, with silver you pay 20%. I have not checked out gold and platinum (sticker shock from bronze and silver) but I believe those plans also make you pay 20%.

[Wineslob]

So...

After all this crap, they expect us to go in and try to fix their screw-ups. (All they want is our fingerprints on it to blame the coming Armageddon on us.)

Have I got it right so far? 

       


Yes, the puppy shit on the carpet and now the adults have to clean it up.

[Dori]

It is never free. Once you have paid over $6300 in a policy year or FY (depends on insurance Co.) then depending on plan you still pay a percentage. In the Bronze plan you pay 40%, with silver you pay 20%. I have not checked out gold and platinum (sticker shock from bronze and silver) but I believe those plans also make you pay 20%.

Bronze 40%, Silver 30%, Gold 20%, Platinum 10%.  Of course the less the co-pay, the more the premium.