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(NBC News)   Reminder: Today is your last day of open enrollment and you must sign up for Obamacare now. The Obamacare web site has been helpfully rendered inoperable for your convenience   (nbcnews.com ) divider line
    More: Fail, obamacare  
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3791 clicks; posted to Main » on 31 Mar 2014 at 11:27 AM (2 years ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2014-03-31 03:40:50 PM  
I'm in Maryland, so I just tried to browse available plans on Maryland Health Care Connection.  Unlike several weeks ago, the site works!   Entered information for my wife and me.  But the policy browsing page came up with two male icons at the top.  It asked about my health and the health of my male spouse.

Thinking I had failed to designate my spouse was female, I tried again.  Same result.

My GOP friends were right!  Now that Maryland allows same-sex marriage, we're being forced to be gay married!  Will mandatory abortions be next!?!?
 
2014-03-31 03:40:52 PM  

mrshowrules: Secondly, this reduces the burden on hundreds of millions of responsible insurance holders because they won't have to cover as much in terms of emergency room visits from the uninsured.


img.fark.net

Please explain then how priced effectively double overnight? I'll tell you how. There were no provisions in the law to keep the bastard insurance companies from boosting rates to the moon. Granted we may not worry about someone else going to the ER but instead worry if we can afford it now. Don't get me wrong i think we should have all these provisions and more but there should have been safeguards in place before the laws went into effect. Kinda screwed the pooch on that side of it.
 
2014-03-31 03:41:36 PM  

Netrngr: Honestly the only criminals in this whole thing are the farking insurance companies who damn near doubled their rates. My Blue Cross policy when from 240 and change to 480 and change every 2 weeks. What part of Affordable didn't they understand?


Sounds like you live in a horrible state that lets the insurance companies write the policy rules.
You could petition DHHS to review the increase. The ACA gives them the ability to override burdensome increases and they've already used that power.
 
2014-03-31 03:41:51 PM  

dok9874: thurstonxhowell: dok9874: I see a lot of maybes and might nots and no guarantee thats, but I don't see anything that says I absolutely positively will not in any way shape or form be able to get insurance outside of the Obamacare enrollment period.

You will not find a site that will tell you that you absolutely cannot buy insurance outside the enrollment period because that is not true. What you will find on the site that you used as an example is this:

"After March 31, you cannot purchase a health insurance plan unless you have a qualifying life event, such as getting married or divorced, having or adopting a child, or moving to a new coverage area. "

Is that clear enough for you? As for the rest of your post, if it's true, look for a better plan. The cheapest one to buy might not be the cheapest one to use. Look into the details of the plan. Many of the nice ones cover you for a lot of things before the deductible.

The cheapest bronze plan for my family is $317.71 per month.  It has both individual deductibles ($6,000 each) and a family deductible ($12,700).  It has a special comment that says "you pay nothing after deductible".  Well, I don't have $6000 or $12,700 to pay for medical costs, so this policy is essentially worthless unless, as I've stated before, I get hit my a train.  This one costs me just under 23% of my yearly income.

Or I could go with a gold plan that costs $566.91 a month with $10 copays, individual deductibles of $1500 and a family deductible of $4500.  Even that one I'm still looking at at least $12,302 out of pocket costs for premiums plus deductibles before full coverage kicks in, but I'm still paying co-pays.  It's basic math. This one would cost me just over 22% of my yearly income for the gold plan, and I don't find these numbers under either policy anywhere near "Affordable".

Since paying the penalty is an option, that's the one I'm going with.  And as a previous poster stated, health insurance isn't healthcare, and the increasin ...


You make 17k a year? shiatballs.

Also, as that's over 8% of your income you're not exactly going to have to pay a penalty.
 
2014-03-31 03:43:45 PM  

Somacandra: That would indeed be interesting if it were true. Especially since those with employer-sponsored coverage (like me) are not eligible for any exchange subsidies.


RIght? How bad does that shiat suck BTW.
 
2014-03-31 03:44:00 PM  

tylerdurden217: dok9874: I see a lot of maybes and might nots and no guarantee thats, but I don't see anything that says I absolutely positively will not in any way shape or form be able to get insurance outside of the Obamacare enrollment period.

But it still doesn't matter to me, because I'm STILL not jumping on the idiot bandwagon to pay for a product that would cost me $12,700 out of pocket on top of premiums before any shiat is covered.  I don't have $12,700 plus premiums (which for me adds another $4400 on top of the family deductible), to pay for medical care because shiatty policy doesn't cover shiat.  Not to mention limited networks where you are allowed to use the shiatty policy.  And unless I got hit by a train, it's highly unlikely I'd ever have that much in medical costs in a year, so I'm paying out the wazoo for nothing.  I'd have better luck with a lottery ticket.

I'll hang on to my $17k+ and continue to pay for my healthcare like I always have: with cash.  You get a better rate paying cash rather than using "health insurance" anyway.  The only thing health insurance ensures is that the insurance companies get richer.

And then there's the issue that once you sign up for Obamacare, there is no mechanism to UN-sign up if say, you get a job that offers health insurance.  (they didn't quite think that one through).

Thanks, but no thanks.

Does it bother you at all that nearly every problem you have with new healthcare law has turned out to be false? Does that make you want to research it a little more? If you can't afford it, then you probably qualify for a subsidy. If you don't qualify for a subsidy because you make too much money and you are choosing not to be covered, that's just irresponsible. You say you will pay for your health care with cash, but what happens when you end up in the ICU for 2 weeks on a respirator? Who pays for that? The 12K is a drop in the bucket compared to the expense of trauma, cancer, etc. You may not need insurance for the sniffles, but ...


So you're saying that because I've actually gone to the site and compared coverage and prices, that the information is false?  I've done my research Francis.  And yes, I've chosen many times not to have healthcare.  And when I do choose it, I pay for it myself.  Just like they used to do in the olden days.

You make your choices, I make mine.  Just because mine isn't the same as yours doesn't mean squat.
 
2014-03-31 03:44:27 PM  
Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?
 
2014-03-31 03:44:40 PM  

Soup4Bonnie: WiredMann: Just wait a few months and we will start hearing horror stories about people who have bought this wonderful insurance and then when they have something besides preventative care, such as a broken arm, they will be horrified when the insurance won't pay for anything until those high deductibles have been reached.  All those people who could not pay for a monthly premium without a subsidy are going to expect the government to bail them out, right?  The hospitals are going to have to write off those losses when those bills aren't paid and so fewer and fewer hospitals will take Obamacare in the following years.  The epic fail continues...

What you don't know would take quite some time to explain.



That's quite a brilliant response.  I applaud you debate skills.
 
2014-03-31 03:47:43 PM  

sdd2000: dok9874: thurstonxhowell: dok9874: Except that buying insurance directly from the provider, or say through ehealthinsurance.com, doesn't HAVE "enrollment periods".

Go to ehealthinsurance.com right now. Just the front page. Take a look at what it says.

I see a lot of maybes and might nots and no guarantee thats, but I don't see anything that says I absolutely positively will not in any way shape or form be able to get insurance outside of the Obamacare enrollment period.

But it still doesn't matter to me, because I'm STILL not jumping on the idiot bandwagon to pay for a product that would cost me $12,700 out of pocket on top of premiums before any shiat is covered.  I don't have $12,700 plus premiums (which for me adds another $4400 on top of the family deductible), to pay for medical care because shiatty policy doesn't cover shiat.  Not to mention limited networks where you are allowed to use the shiatty policy.  And unless I got hit by a train, it's highly unlikely I'd ever have that much in medical costs in a year, so I'm paying out the wazoo for nothing.  I'd have better luck with a lottery ticket.

I'll hang on to my $17k+ and continue to pay for my healthcare like I always have: with cash.  You get a better rate paying cash rather than using "health insurance" anyway.  The only thing health insurance ensures is that the insurance companies get richer.

And then there's the issue that once you sign up for Obamacare, there is no mechanism to UN-sign up if say, you get a job that offers health insurance. (they didn't quite think that one through).

Thanks, but no thanks.

How about "un-signing up" by not paying the premium?


Ah yes, the premiums that are paid by automatic draft from your bank account.  You going to just switch bank accounts?  And that's not "unsigning up", that's welching on the contract where you agreed to pay the premiums.  I'm talking a legitimate way to cancel the policy.
 
2014-03-31 03:47:49 PM  

coffeeplease: kidgenius: Witty_Retort: coffeeplease: Waiting patiently to see the $2,500 in cost savings Obama promised I would see.

Considering your comments, I doubt you are an Average American.

/i saved only $2,200 per year, so Obama is a big fat poopyhead liar.

Tell ya what, I'm saving $3600 a year. I'll send you $300 to get you up to that $2500 that he promised. Deal?

Without being snarky, can you spell out for me how you are saving $3,600 a year?


Sure....

Before the exchanges were opened I had two ways I could buy insurance. 1) On the individual market or 2) Through my employer. I have to cover myself, two kids and my wife. Now, my employer's insurance plan would be equivalent to a Gold plan on the exchanges today. On the individual market, insurance wasn't too crazy, but it wasn't great. If I went through my employer, he would cover me, but I had to pay 100% of the premiums for my wife and kids. That was going to be over 1K a month. So what I did was put my kids onto an individual plan, and put my wife onto my employer's plan. I did the latter for my wife because IT WAS IMPOSSIBLE to purchase insurance individual plans that covered maternity (except for the 'complications' coverage). I could not write a check large enough to any of the providers. Humana, No. BCBS, No. Aetna, Hell No. Cigna, LOL No. United Healthcare, Are you kidding? And, this whole debacle began before we had kids five years ago. So, with the knowledge that kids were coming, I had no choice but to put her onto my boss' plan. So, adding up the various costs, I was paying $475 a month for my wife on a gold-equivalent plan, and $380 a month for the two kids on a bronze-level plan after the 1st of the year (was $330 a month throughout 2013). Our new ACA plan which we've had since Jan 1 covers my wife and kids, on a silver-level plan with maternity coverage included (lord help us if another comes along), all for the grand total of $550/month. Yes, our network isn't great, but it does cover my kids pediatrician and it also covers the really nice children's hospital in our area. Our deductibles are much better for things like ER visits (which, by chance, we've had to use twice this year so far), our out-of-pockets are lower for the kids, etc. Hell, the ER visits alone have saved us over a grand vs. what we would have had to pay before. Not to mention other benefits like having free birth control, and one of my wife's medications dropped from $10/month to $2/month. Not sure if that was due to the new insurance, but it first showed up in January when we did the first refill.

Could it all be better, absolutely, Single-payer-FTW. But this is way better than what we had before.
 
2014-03-31 03:48:37 PM  

Netrngr: Please explain then how priced effectively double overnight? I'll tell you how. There were no provisions in the law to keep the bastard insurance companies from boosting rates to the moon. Granted we may not worry about someone else going to the ER but instead worry if we can afford it now. Don't get me wrong i think we should have all these provisions and more but there should have been safeguards in place before the laws went into effect. Kinda screwed the pooch on that side of it.


There is a provision to keep insurance companies from "boosting rates to the moon". Insurance companies are required to spend at least 80-85% of premium dollars on health costs and claims instead of administrative costs and profits. If they don't, then you get a rebate. So the rate increases would be justified or you get a check.
 
2014-03-31 03:48:44 PM  

dok9874: The cheapest bronze plan for my family is $317.71 per month. It has both individual deductibles ($6,000 each) and a family deductible ($12,700). It has a special comment that says "you pay nothing after deductible". Well, I don't have $6000 or $12,700 to pay for medical costs, so this policy is essentially worthless unless, as I've stated before, I get hit my a train. This one costs me just under 23% of my yearly income.


"The cheapest plan to buy might not be the cheapest one to use." You might want to look into what I meant by that.
 
2014-03-31 03:49:34 PM  

Dusk-You-n-Me: Tyee: One day a liberal will admit the ACA was poorly conceived legislation

One day? I'm a liberal and I'll tell you that right now. It isn't a liberal plan, sport. You need to recalibrate your political spectrometer. Which isn't to say it's not a step in the right direction, or worse than the nothing we had before.


You realize if you owed that deductible, you can pay it off in installments right? You can arrange payment plans with the hospitals for like $100/month (or less if you need). Yes, 6k is a lot to come up with for many people in one fell swoop, but you have options there.
 
2014-03-31 03:50:14 PM  

dok9874: Ah yes, the premiums that are paid by automatic draft from your bank account. You going to just switch bank accounts? And that's not "unsigning up", that's welching on the contract where you agreed to pay the premiums. I'm talking a legitimate way to cancel the policy.


Did you ever think about calling them up and cancelling the policy? What the fark went wrong in your brain that made you forget that option?
 
2014-03-31 03:50:50 PM  

GTATL: Are GOP reps pretty truthful in your eyes?


In what regard?  When regarding the ACA?
 
2014-03-31 03:51:33 PM  

tylerdurden217: Insurance companies are required to spend at least 80-85% of premium dollars on health costs and claims instead of administrative costs and profits.


This is news to me.  Do you have a cite for this?
 
2014-03-31 03:53:17 PM  

bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?


me!  my wife had kidney failure and all the visits to the specialist and dialysis were covered    no issues with prescriptions...  the only problem we had with insurance companies was office workers typing her name wrong and getting rejected..  once the name was fixed..  paid..
 
2014-03-31 03:54:29 PM  

bunner: tylerdurden217: Insurance companies are required to spend at least 80-85% of premium dollars on health costs and claims instead of administrative costs and profits.

This is news to me.  Do you have a cite for this?


Let me Google that for you.
 
2014-03-31 03:54:47 PM  

bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?


*Raises Hand*

2 day stay for heart issue
torn achilles with physical therapy for two months twice weekly $50 co-pay
wife had a DNC

No issues with billing.  Sorry.
 
2014-03-31 03:55:21 PM  

kidgenius: You realize if you owed that deductible, you can pay it off in installments right? You can arrange payment plans with the hospitals for like $100/month (or less if you need). Yes, 6k is a lot to come up with for many people in one fell swoop, but you have options there.


Wrong person.
 
2014-03-31 03:55:27 PM  

RaiderFanMikeP: bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?

me!  my wife had kidney failure and all the visits to the specialist and dialysis were covered    no issues with prescriptions...  the only problem we had with insurance companies was office workers typing her name wrong and getting rejected..  once the name was fixed..  paid..


God bless ye.  Anybody else?
 
2014-03-31 03:55:29 PM  

dok9874: Ah yes, the premiums that are paid by automatic draft from your bank account. You going to just switch bank accounts? And that's not "unsigning up", that's welching on the contract where you agreed to pay the premiums. I'm talking a legitimate way to cancel the policy.


It varies depending on the PRIVATE INSURER you are buying your insurance through.
My bill goes to my debit card each month.
And you can go to your bank and tell them not to pay out to people who have auto-drafts.
 
2014-03-31 03:56:25 PM  

JusticeandIndependence: No issues with billing.  Sorry.


Don't be.
 
2014-03-31 03:56:51 PM  

WiredMann: I applaud you debate skills.


You should.  I am infinitely better than you at it.

Your post assumes that nobody has ever heard of let alone had to pay a high deductible before.  It fails to address that many people could not even get coverage before and are happy to pay the deductible just so they can get the treatment they weren't getting before.  It also doesn't mention the cap on out of pocket expenses, creates an imaginary scenario where the government is bailing people out and treats "Obamacare" as if it is thing that can be sold or used by hospitals and not a law that creates exchanges for private insurers to offer a product.

And this isn't an "epic fail".  Millions of people now have insurance that couldn't get it before.  There are a bunch of other new benefits, too, but again, I don't have time to explain to you what you should have been learning over the past four years.
 
2014-03-31 03:57:41 PM  

thurstonxhowell: dok9874: Ah yes, the premiums that are paid by automatic draft from your bank account. You going to just switch bank accounts? And that's not "unsigning up", that's welching on the contract where you agreed to pay the premiums. I'm talking a legitimate way to cancel the policy.

Did you ever think about calling them up and cancelling the policy? What the fark went wrong in your brain that made you forget that option?


Dude doesn't want any solutions. He just wants to sit on his balls and holler in pain instead of getting up off of them like everybody suggest that he do.
 
2014-03-31 03:57:55 PM  

kidgenius: Could it all be better, absolutely, Single-payer-FTW. But this is way better than what we had before.

Could it all be better, absolutely, Single-payer-FTW. But this is way better than what we had before.

Could it all be better, absolutely, Single-payer-FTW. But this is way better than what we had before.

Could it all be better, absolutely, Single-payer-FTW. But this is way better than what we had before.

Could it all be better, absolutely, Single-payer-FTW. But this is way better than what we had before.


Bears repeating.
 
2014-03-31 03:58:19 PM  

bunner: Barry, all things considered, has done a few useful things in his tenure.  Which, after all, isn't easy because, at the end of the day, he president is a sock puppet / scapegoat.  Forcing people to buy sketchy insurance from a selection of coporate whorehouses instead of working for socialized medicine, however, is not one of them.  This whole thing stinks to high heaven and when your government starts fining you for not having money, it's time to start packing.


bunner: tylerdurden217: Insurance companies are required to spend at least 80-85% of premium dollars on health costs and claims instead of administrative costs and profits.

This is news to me.  Do you have a cite for this?


Seriously? Do you know ANYTHING about the PPACA? You should really try and find out a  little bit about it before talking about how crappy it is.
 
2014-03-31 03:58:34 PM  

bunner: tylerdurden217: Insurance companies are required to spend at least 80-85% of premium dollars on health costs and claims instead of administrative costs and profits.

This is news to me.  Do you have a cite for this?


Sure do...
http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-M ar ket-Reforms/Medical-Loss-Ratio.html
 
2014-03-31 03:59:18 PM  
For all the people white knighting / fine with for profit medicine, has it ever occurred to you that - in light of the fact that we're the only first world nation with for profit health care and not based on equitable tax revenues - that just mayhaps WE'RE the kids on the short bus licking the windows and saying "I wanna be a DOCTOR and make a lot of MONEY!"?
 
2014-03-31 03:59:39 PM  

bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?


Achilles surgery almost exactly a year ago.

Paid deductible and copays. No billing issues.

/BCBS for what it's worth
 
2014-03-31 03:59:41 PM  

dok9874: thurstonxhowell: dok9874: I see a lot of maybes and might nots and no guarantee thats, but I don't see anything that says I absolutely positively will not in any way shape or form be able to get insurance outside of the Obamacare enrollment period.

You will not find a site that will tell you that you absolutely cannot buy insurance outside the enrollment period because that is not true. What you will find on the site that you used as an example is this:

"After March 31, you cannot purchase a health insurance plan unless you have a qualifying life event, such as getting married or divorced, having or adopting a child, or moving to a new coverage area. "

Is that clear enough for you? As for the rest of your post, if it's true, look for a better plan. The cheapest one to buy might not be the cheapest one to use. Look into the details of the plan. Many of the nice ones cover you for a lot of things before the deductible.

The cheapest bronze plan for my family is $317.71 per month.  It has both individual deductibles ($6,000 each) and a family deductible ($12,700).  It has a special comment that says "you pay nothing after deductible".  Well, I don't have $6000 or $12,700 to pay for medical costs, so this policy is essentially worthless unless, as I've stated before, I get hit my a train.  This one costs me just under 23% of my yearly income.

Or I could go with a gold plan that costs $566.91 a month with $10 copays, individual deductibles of $1500 and a family deductible of $4500.  Even that one I'm still looking at at least $12,302 out of pocket costs for premiums plus deductibles before full coverage kicks in, but I'm still paying co-pays.  It's basic math. This one would cost me just over 22% of my yearly income for the gold plan, and I don't find these numbers under either policy anywhere near "Affordable".

Since paying the penalty is an option, that's the one I'm going with.  And as a previous poster stated, health insurance isn't healthcare, and the increasin ...



It is far from worthless.  Let's say you get cancer.  After $50,000 in expenses your life is saved.  You front the first $6,000.  Balance: $44,000.  I'm guessing your coinsurance is 30% and your maximum out of pocket is about $12,000.  So for the next $6,000 you pay $1800 while the insurance company pays $4200.  Total out of pocket for you so far: $7,800.  Balance: $38,000.  For the rest the insurance company picks up the tab 100%.  So when all is said and done you will have paid $7,800 while the inusrance company picked up $42,200.

I get that $7,800 is a large bill, but it is less than +$40,000.   And every hospital in America is willing to work with you and a payment plan.

Tell me again how this insurance is worthless?

Based on the numbers you posted your insurance costs would exceed the 8% threshold which means you aren't required to buy insurance.  But also based on your numbers you would probably qualify for a decent subsidy.  Assuming a family of 3 you could possibly get a silver plan for a little over $100/month.  So one or more of the following must be true:

1.   Obvious troll is obvious
2.   You suck at the maths
3.   You haven't done any research on this...........at all
4.   You watch a lot of Fox News
 
2014-03-31 03:59:52 PM  
 
2014-03-31 04:00:18 PM  

tylerdurden217: bunner: tylerdurden217: Insurance companies are required to spend at least 80-85% of premium dollars on health costs and claims instead of administrative costs and profits.

This is news to me.  Do you have a cite for this?

Sure do...
http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-M ar ket-Reforms/Medical-Loss-Ratio.html


Thanks.
 
2014-03-31 04:00:32 PM  

Netrngr: mrshowrules: Secondly, this reduces the burden on hundreds of millions of responsible insurance holders because they won't have to cover as much in terms of emergency room visits from the uninsured.

[img.fark.net image 500x375]

Please explain then how priced effectively double overnight? I'll tell you how. There were no provisions in the law to keep the bastard insurance companies from boosting rates to the moon. Granted we may not worry about someone else going to the ER but instead worry if we can afford it now. Don't get me wrong i think we should have all these provisions and more but there should have been safeguards in place before the laws went into effect. Kinda screwed the pooch on that side of it.


Not true, there are margins defined where the insurance company can only spend x% on non-claims costs and premium collected over x% above that must be returned to policy holders. CA insurers have already had to pay refunds.
 
2014-03-31 04:03:14 PM  
Is anybody else getting their browsers randomly hijacked here and then needing to click their back button to return to this thread?
 
2014-03-31 04:04:56 PM  
On rate hikes:

Keep in mind that the law has a series of features designed to protect or at least insulate individuals from excessive rate hikes. These include something called the "medical-loss ratio," which limits insurer profits, and various "shock absorbers" designed to compensate carriers that end up with less healthy beneficiaries than they anticipated. Regulators also have power to challenge rate increases, though authority and willingness to use it varies from state to state. Then there are the law's subsidies-those federal tax credits, which provide some consumers with huge discounts. By design, they limit what most marketplace customers will pay for the standard insurance plan, regardless of what that plan actually costs.
 
2014-03-31 04:05:00 PM  

bunner: Is anybody else getting their browsers randomly hijacked here and then needing to click their back button to return to this thread?


You potatoed your browser with all of the derp you have been typing into it.
 
2014-03-31 04:05:56 PM  
Never mind.  I got the old "place where the margin ad is shifts and you clicked on it, ha ha" thing.
 
2014-03-31 04:06:11 PM  

dok9874: sdd2000: dok9874: thurstonxhowell: dok9874: Except that buying insurance directly from the provider, or say through ehealthinsurance.com, doesn't HAVE "enrollment periods".

Go to ehealthinsurance.com right now. Just the front page. Take a look at what it says.

I see a lot of maybes and might nots and no guarantee thats, but I don't see anything that says I absolutely positively will not in any way shape or form be able to get insurance outside of the Obamacare enrollment period.

But it still doesn't matter to me, because I'm STILL not jumping on the idiot bandwagon to pay for a product that would cost me $12,700 out of pocket on top of premiums before any shiat is covered.  I don't have $12,700 plus premiums (which for me adds another $4400 on top of the family deductible), to pay for medical care because shiatty policy doesn't cover shiat.  Not to mention limited networks where you are allowed to use the shiatty policy.  And unless I got hit by a train, it's highly unlikely I'd ever have that much in medical costs in a year, so I'm paying out the wazoo for nothing.  I'd have better luck with a lottery ticket.

I'll hang on to my $17k+ and continue to pay for my healthcare like I always have: with cash.  You get a better rate paying cash rather than using "health insurance" anyway.  The only thing health insurance ensures is that the insurance companies get richer.

And then there's the issue that once you sign up for Obamacare, there is no mechanism to UN-sign up if say, you get a job that offers health insurance. (they didn't quite think that one through).

Thanks, but no thanks.

How about "un-signing up" by not paying the premium?

Ah yes, the premiums that are paid by automatic draft from your bank account.  You going to just switch bank accounts?  And that's not "unsigning up", that's welching on the contract where you agreed to pay the premiums.  I'm talking a legitimate way to cancel the policy.


This is an example of weapons grade ignorance.  Putting this level of derp on display for children under the age of 12 could get you charged with a war crime.
 
2014-03-31 04:06:42 PM  

Netrngr: Please explain then how priced effectively double overnight? I'll tell you how. There were no provisions in the law to keep the bastard insurance companies from boosting rates to the moon. Granted we may not worry about someone else going to the ER but instead worry if we can afford it now. Don't get me wrong i think we should have all these provisions and more but there should have been safeguards in place before the laws went into effect. Kinda screwed the pooch on that side of it.


Of course, insurance premium will continue to rise.  They are rising just as much under Obamacare as they were previously.  That's just the reality of pricing a commodity with an inelastic demand via the free market.

You want health care costs to drop, you need single payer.  Obamacare reduces the worse aspects of the train wreck of a system you had but it is only a stop-gap measure I will conceded.

What Obamacare does, is prevent a growing number of uninsured people passing on their emergency room care to responsible people with insurance.

When sick people go to doctors instead, everyone will save money.
 
2014-03-31 04:06:57 PM  

bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?


Yep. Six high risk pregnancies (two successful) 3 d&c's, much testing including $$$$$$$ genetic testing, frequent sonograms, weekly appointments, referrals to high risk specialists, no problem.

Oh wait. They did at one point send me a letter asking me if I wanted a case manager because my case was complicated. I wrote back and said, no thank you. They said, okay then. Carry on.

BC/BS rocked that way, actually. Then Mr Namegoeshere left that job to start his own company and we could no longer afford them... : (
 
2014-03-31 04:07:30 PM  
dok9874:
And then there's the issue that once you sign up for Obamacare, there is no mechanism to UN-sign up if say, you get a job that offers health insurance.  (they didn't quite think that one through).


Just burn your OBAMACARE CARD!
You do have your 0bamacare card don't you?
 
2014-03-31 04:07:57 PM  
I know math does not bode well among Farkers, but your total monthly premium payment should include the deductable!
The affordable part of this plan is bull shiat!
Single 42 and I'm in the $500+/ month with a $4,000 deductable. Sorry but that's a tad steep for my financial situation at the moment.

/penalty is much cheaper.
//Healthy until I post this then I'll probably end up with a rare form of cancer.
/// hope not!
 
2014-03-31 04:08:10 PM  

Dusk-You-n-Me: Meanwhile, At 49 Percent Support, Obamacare Hits a High


The GOP should be very concerned with this vector.
 
2014-03-31 04:09:32 PM  

ongbok: bunner: Is anybody else getting their browsers randomly hijacked here and then needing to click their back button to return to this thread?

You potatoed your browser with all of the derp you have been typing into it.


Who could possibly bring viable insistance to the contrary to such learned and intellectually acute assertions, fraught with gravitas and 16 year old snapchat junkie gravitas?  Come on Erato, I'm up for a troll banning.  Yours, I mean.   :  )
 
2014-03-31 04:10:17 PM  

meenkya: I know math does not bode well among Farkers, but your total monthly premium payment should include the deductable!
The affordable part of this plan is bull shiat!
Single 42 and I'm in the $500+/ month with a $4,000 deductable. Sorry but that's a tad steep for my financial situation at the moment.

/penalty is much cheaper.
//Healthy until I post this then I'll probably end up with a rare form of cancer.
/// hope not!


Well it also depends how much stuff you have.  In effect, health care insurance is covering everything you own (house, car, etc.)
 
2014-03-31 04:12:30 PM  

namegoeshere: bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?

Yep. Six high risk pregnancies (two successful) 3 d&c's, much testing including $$$$$$$ genetic testing, frequent sonograms, weekly appointments, referrals to high risk specialists, no problem.

Oh wait. They did at one point send me a letter asking me if I wanted a case manager because my case was complicated. I wrote back and said, no thank you. They said, okay then. Carry on.

BC/BS rocked that way, actually. Then Mr Namegoeshere left that job to start his own company and we could no longer afford them... : (


Three examples, so far, and all of them encouraging.  Now imagine what it would be like to only have to walk into any medical faility with proof of citizenship and be covered without cutting an extra check every month to some private company.
 
2014-03-31 04:12:35 PM  

jonnya: I successfully enrolled in a silver Blue Cross plan via the ACA sight last Thursday. The site was fine, but I've yet to receive any type  of confirmation or payment instructions. A littleoff-putting  but I'm figuring they're being bombarded right now. Nonetheless, the Blue Cross has made me a criminal! Don't they want my money?


Blue cross is who we have here and while its fine insurance , don't get me wrong it really kicks ass, our premiums doubled and its on par with that the exchange has so how do you explain a shiat ton of cash rolling in causing costs to double? Really?? Maybe there is something im not seeing but all I see is a shameless money grab based on a law that failed to put in place protections for the people it was intended to help.
 
2014-03-31 04:13:34 PM  

namegoeshere: bunner: Would everybody here who has ever had medical care,a  treatment or prodcedure over and above preventative and had their insurer PAY THE WHOLE THING without being jerked around like a chihuahua on a tow chain, please raise their hands?

Yep. Six high risk pregnancies (two successful) 3 d&c's, much testing including $$$$$$$ genetic testing, frequent sonograms, weekly appointments, referrals to high risk specialists, no problem.

Oh wait. They did at one point send me a letter asking me if I wanted a case manager because my case was complicated. I wrote back and said, no thank you. They said, okay then. Carry on.

BC/BS rocked that way, actually. Then Mr Namegoeshere left that job to start his own company and we could no longer afford them... : (


And I'm not white knighting private for-profit insurance. I am and will continue to be in favor of socialized medicine. But I am well aware that I will probably be dead of extreme old age before we ever see that here (thanks obstructionist GOP) so I am happy with the ACA because it is much much much better than what we had before the ACA.
 
2014-03-31 04:14:51 PM  

mrshowrules: meenkya: I know math does not bode well among Farkers, but your total monthly premium payment should include the deductable!
The affordable part of this plan is bull shiat!
Single 42 and I'm in the $500+/ month with a $4,000 deductable. Sorry but that's a tad steep for my financial situation at the moment.

/penalty is much cheaper.
//Healthy until I post this then I'll probably end up with a rare form of cancer.
/// hope not!

Well it also depends how much stuff you have.  In effect, health care insurance is covering everything you own (house, car, etc.)


Don't have much, but paying another mortgage payment every month is out of the question.

/self employed
//things are getting better.
 
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