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Post by BrainFerentz4Prez on Apr 1, 2014 17:40:10 GMT -6
Before the first of the year I could not get insurance for my wife. My youngest is 33 and was turned down by all private insurance companies as well. We now all have health insurance. Obamacare works. No thanks to Chuck Grassley.
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Post by The Resistance on Apr 1, 2014 17:43:22 GMT -6
Before the first of the year I could not get insurance for my wife. My youngest is 33 and was turned down by all private insurance companies as well. We now all have health insurance. Obamacare works. Why couldn't they get on HIP Iowa?
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Post by LansingHawk on Apr 1, 2014 17:43:45 GMT -6
Before the first of the year I could not get insurance for my wife. My youngest is 33 and was turned down by all private insurance companies as well. We now all have health insurance. Obamacare works. No thanks to Chuck Grassley. Got that fucking right.
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Post by LansingHawk on Apr 1, 2014 17:50:02 GMT -6
Before the first of the year I could not get insurance for my wife. My youngest is 33 and was turned down by all private insurance companies as well. We now all have health insurance. Obamacare works. Why couldn't they get on HIP Iowa? See where I said "private insurance"? Basic coverage at HIP Iowa that wouldn't meet the minimum standards of Obamacare would have run $940/ month just for her. Want to know why she was turned down for insurance? She was on antidepressants. That was her ONLY health issue.
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Post by The Resistance on Apr 1, 2014 17:57:06 GMT -6
Well pay the fidler, I did.
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Post by LansingHawk on Apr 1, 2014 18:04:27 GMT -6
Well pay the fidler, I did. The last year the insurance companies really went overboard on the cherry-picking.
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Post by LansingHawk on Apr 1, 2014 18:05:18 GMT -6
Well pay the fidler, I did. Maybe you make more than I do.
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Post by The Resistance on Apr 1, 2014 18:13:35 GMT -6
Well pay the fidler, I did. Maybe you make more than I do. No, I agree with you change was needed. I was bent over for about 12 years by Health Insurance Companies. They raked me over the coals and then wouldn't pay the one Dr in the country qualified to perform surgeries on my kid. I know exactly what your talking about.
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Post by Incogayno. on Apr 1, 2014 18:15:54 GMT -6
Maybe you make more than I do. No, I agree with you change was needed. I was bent over for about 12 years by Health Insurance Companies. They raked me over the coals and then wouldn't pay the one Dr in the country qualified to perform surgeries on my kid. I know exactly what your talking about. I think everyone agrees that this wasn't the best solution, but something had to happen and hopefully more changes can be made in the future.
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Post by NOTTHOR on Apr 1, 2014 18:19:55 GMT -6
Why couldn't they get on HIP Iowa? See where I said "private insurance"? Basic coverage at HIP Iowa that wouldn't meet the minimum standards of Obamacare would have run $940/ month just for her. Want to know why she was turned down for insurance? She was on antidepressants. That was her ONLY health issue. Hate to break it to you, pal, but that is about what insurance costs. My $6,000 per year deductible plan costs $1600 a month for me and my wife.
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Post by Incogayno. on Apr 1, 2014 18:22:47 GMT -6
See where I said "private insurance"? Basic coverage at HIP Iowa that wouldn't meet the minimum standards of Obamacare would have run $940/ month just for her. Want to know why she was turned down for insurance? She was on antidepressants. That was her ONLY health issue. Hate to break it to you, pal, but that is about what insurance costs. My $6,000 per year deductible plan costs $1600 a month for me and my wife. 6k deductable? Did you check on the marketplace at all? I know private insurance normally is crazy expensive compared to company offerings but I had checked up on the marketplace myself and saw some decent plans with much better deductables.
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Post by Ginger on Apr 1, 2014 18:28:41 GMT -6
You guys are so mean to scooter. Can you pick on someone else for a while? (not me)
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Post by Incogayno. on Apr 1, 2014 18:30:49 GMT -6
You guys are so mean to scooter. Can you pick on someone else for a while? (not me) Haha! Don't worry about me. I can handle it.
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Post by The Resistance on Apr 1, 2014 18:33:27 GMT -6
I'll tell you a funny story on pre-existing conditions. When my son was about 6 months old and we lived in FD, he came down with a cough and fever and the wife took him to a new pediatrician. The Dr. said he had asthma and was put on steroids, a nebulizer and all sorts of meds. I told the wife no way and sent them to Ames to see a very good DR. She said to just use one medicine and avoid the steroids and breathing treatments. This new Pediatrician in FD thought he was a asthma specialist and while he was in town for 2-3 years any kid that had a cough was given a asthma diagnosis. The DM Register then runs a front page article on why FD has such a abnormally high number of asthma cases and BCBS want's to do a environmental study on it. All they needed to look at was that one idiot labeled all those kids. Any way it took year's to remove his asthma DX.
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Post by NOTTHOR on Apr 1, 2014 18:51:38 GMT -6
Hate to break it to you, pal, but that is about what insurance costs. My $6,000 per year deductible plan costs $1600 a month for me and my wife. 6k deductable? Did you check on the marketplace at all? I know private insurance normally is crazy expensive compared to company offerings but I had checked up on the marketplace myself and saw some decent plans with much better deductables. You're not eligible to buy on the exchange if you have a plan available through your employer that meets the price and reimbursement guidelines of Obamacare. I could have bought a 90/10 plan for over $2k a month, but even that wasn't expensive enough to kick me onto the exchange. Our ERISA guys looked into it as a way to shift older partners out of the Firm's plan to make the pool more attractive but it wouldn't work. My plan is fine because the deductible is $3k per person and once that is hit (which Ma has already done) everything is covered 100% for the person who hit the deductible. The $6k deductible can also be put into a HSA and the deposit into that is tax deductible, so it is more like $4k on an after tax basis - Obamacare has basically done away with those, though, and I was lucky I got enrolled with Bank of America for it when I did because most banks have stopped offering them for new customers. It used to be that you could save for lifelong health expenses in one of those accounts but now you are only eligible to open one up if you have a high deductible policy, but true high deductible policies are available to very few people.
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Post by Incogayno. on Apr 1, 2014 18:58:35 GMT -6
6k deductable? Did you check on the marketplace at all? I know private insurance normally is crazy expensive compared to company offerings but I had checked up on the marketplace myself and saw some decent plans with much better deductables. You're not eligible to buy on the exchange if you have a plan available through your employer that meets the price and reimbursement guidelines of Obamacare. I could have bought a 90/10 plan for over $2k a month, but even that wasn't expensive enough to kick me onto the exchange. Our ERISA guys looked into it as a way to shift older partners out of the Firm's plan to make the pool more attractive but it wouldn't work. My plan is fine because the deductible is $3k per person and once that is hit (which Ma has already done) everything is covered 100% for the person who hit the deductible. The $6k deductible can also be put into a HSA and the deposit into that is tax deductible, so it is more like $4k on an after tax basis - Obamacare has basically done away with those, though, and I was lucky I got enrolled with Bank of America for it when I did because most banks have stopped offering them for new customers. It used to be that you could save for lifelong health expenses in one of those accounts but now you are only eligible to open one up if you have a high deductible policy, but true high deductible policies are available to very few people. How many people are employed where you are? Must be a pretty small pool.
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Post by NOTTHOR on Apr 1, 2014 19:07:25 GMT -6
You're not eligible to buy on the exchange if you have a plan available through your employer that meets the price and reimbursement guidelines of Obamacare. I could have bought a 90/10 plan for over $2k a month, but even that wasn't expensive enough to kick me onto the exchange. Our ERISA guys looked into it as a way to shift older partners out of the Firm's plan to make the pool more attractive but it wouldn't work. My plan is fine because the deductible is $3k per person and once that is hit (which Ma has already done) everything is covered 100% for the person who hit the deductible. The $6k deductible can also be put into a HSA and the deposit into that is tax deductible, so it is more like $4k on an after tax basis - Obamacare has basically done away with those, though, and I was lucky I got enrolled with Bank of America for it when I did because most banks have stopped offering them for new customers. It used to be that you could save for lifelong health expenses in one of those accounts but now you are only eligible to open one up if you have a high deductible policy, but true high deductible policies are available to very few people. How many people are employed where you are? Must be a pretty small pool. 1000 employees. Self-insured with reinsurance for catastrophes. Insurance is just really, really, really expensive. As a practical matter, I'm not sure there is much the government can do. There are too many well compensated hands in the cookie jar. The AMA ain't gonna let their members take cuts. Middle class Americans won't stand for facilities on par with those in a place like Japan where costs are drastically lower. Pharma makes good coin, but they throw a shitload of hail mary passes that don't always connect and they ain't gonna stand by idly and take a hair cut (not to mention a bunch of universities own patents on shit they license out for buttloads of cash). The admin shit at hospitals is about the only white collar growth industry in America and the government doesn't want to fuck that over.
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Post by twinlaker on Apr 1, 2014 19:34:43 GMT -6
I'll tell you a funny story on pre-existing conditions. When my son was about 6 months old and we lived in FD, he came down with a cough and fever and the wife took him to a new pediatrician. The Dr. said he had asthma and was put on steroids, a nebulizer and all sorts of meds. I told the wife no way and sent them to Ames to see a very good DR. She said to just use one medicine and avoid the steroids and breathing treatments. This new Pediatrician in FD thought he was a asthma specialist and while he was in town for 2-3 years any kid that had a cough was given a asthma diagnosis. The DM Register then runs a front page article on why FD has such a abnormally high number of asthma cases and BCBS want's to do a environmental study on it. All they needed to look at was that one idiot labeled all those kids. Any way it took year's to remove his asthma DX. I think I know that quack.......
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Post by Ginger on Apr 1, 2014 19:40:43 GMT -6
I am fortunate to have a good policy with my husbands insurance. $3600/year; 90/10 and a $2000 deductible. Family plan. Next year though, I know they will charge extra for me if I don't use my employers health plan.
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Post by Ginger on Apr 1, 2014 19:41:49 GMT -6
You guys are so mean to scooter. Can you pick on someone else for a while? (not me) Yes, Mom. You better not get sassy.
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Post by Ginger on Apr 1, 2014 19:44:13 GMT -6
I'll tell you a funny story on pre-existing conditions. When my son was about 6 months old and we lived in FD, he came down with a cough and fever and the wife took him to a new pediatrician. The Dr. said he had asthma and was put on steroids, a nebulizer and all sorts of meds. I told the wife no way and sent them to Ames to see a very good DR. She said to just use one medicine and avoid the steroids and breathing treatments. This new Pediatrician in FD thought he was a asthma specialist and while he was in town for 2-3 years any kid that had a cough was given a asthma diagnosis. The DM Register then runs a front page article on why FD has such a abnormally high number of asthma cases and BCBS want's to do a environmental study on it. All they needed to look at was that one idiot labeled all those kids. Any way it took year's to remove his asthma DX. I'm still fighting my constipation diagnosis. It's been hard to get rid of.
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Post by egadsto on Apr 1, 2014 19:49:14 GMT -6
I'll tell you a funny story on pre-existing conditions. When my son was about 6 months old and we lived in FD, he came down with a cough and fever and the wife took him to a new pediatrician. The Dr. said he had asthma and was put on steroids, a nebulizer and all sorts of meds. I told the wife no way and sent them to Ames to see a very good DR. She said to just use one medicine and avoid the steroids and breathing treatments. This new Pediatrician in FD thought he was a asthma specialist and while he was in town for 2-3 years any kid that had a cough was given a asthma diagnosis. The DM Register then runs a front page article on why FD has such a abnormally high number of asthma cases and BCBS want's to do a environmental study on it. All they needed to look at was that one idiot labeled all those kids. Any way it took year's to remove his asthma DX.
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Post by thunderhawk on Apr 1, 2014 19:53:07 GMT -6
How many people are employed where you are? Must be a pretty small pool. 1000 employees. Self-insured with reinsurance for catastrophes. Insurance is just really, really, really expensive. As a practical matter, I'm not sure there is much the government can do. There are too many well compensated hands in the cookie jar. The AMA ain't gonna let their members take cuts. Middle class Americans won't stand for facilities on par with those in a place like Japan where costs are drastically lower. Pharma makes good coin, but they throw a shitload of hail mary passes that don't always connect and they ain't gonna stand by idly and take a hair cut (not to mention a bunch of universities own patents on shit they license out for buttloads of cash). The admin shit at hospitals is about the only white collar growth industry in America and the government doesn't want to fuck that over. That's a fine fuckin summation. Sheldon Kurtz would approve. If we wish to preserve private insurance whilst getting rid of PEs and approximating a closure of the coverage gap, Obama/Romney care is just about the only even marginally feasible option.
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Post by NOTTHOR on Apr 1, 2014 20:17:47 GMT -6
1000 employees. Self-insured with reinsurance for catastrophes. Insurance is just really, really, really expensive. As a practical matter, I'm not sure there is much the government can do. There are too many well compensated hands in the cookie jar. The AMA ain't gonna let their members take cuts. Middle class Americans won't stand for facilities on par with those in a place like Japan where costs are drastically lower. Pharma makes good coin, but they throw a shitload of hail mary passes that don't always connect and they ain't gonna stand by idly and take a hair cut (not to mention a bunch of universities own patents on shit they license out for buttloads of cash). The admin shit at hospitals is about the only white collar growth industry in America and the government doesn't want to fuck that over. That's a fine fuckin summation. Sheldon Kurtz would approve. If we wish to preserve private insurance whilst getting rid of PEs and approximating a closure of the coverage gap, Obama/Romney care is just about the only even marginally feasible option. Blah, blah, blah. Let's be honest. The "coverage gap" is not fucking going anywhere. Proles won't pay for it. So either you and me pay for it with higher premiums driven by higher costs of covering proles or you and me pay for it with taxes. Proles lack the mental capacity to plan, and things like insurance require planning. That is why the fucking government has to require proof of insurance when you buy a car or register your plates every year, because if they didn't, proles would just fucking skip out on it. And we both know proles will skip out on Obamacare, unless its some $8 a month thing (because Uncle Sug is paying the rest) and they feel like they're on the cusp of getting sick. Furthermore, and this is purely a matter of economics, but a prole's health is worth less than your or my health, and Bill Gates' health is worth more than your or my health. That's because there is this fucking thing called the market that establishes a price at which we can sell our labor and if you or me are fucked up, it costs us or our employer a fuckload of money, but if a prole is fucked up, it costs Wal-Mart a phone call or maybe 30 minutes of a manager's time to hire some other fungible humanoid to run the fucking cash register. So in short, the left wing asshats need to shut the fuck up about equality bullshit because people just aren't equal. Here in Chicago, if I have chest pains I should be able to roll over to Northwestern and get fucking hooked up immediately to some shit to check out my ticker because I drop $20k into my health insurance AND another $9k into the health system via Medicare bullshit, but a prole who has put nary a fucking penny into the system (and who wouldn't even under a single payer system) should get their ass shipped to the equivalent of Broadlawns and handed a lollipop on their way out the door if they show up at Northwestern.
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Post by thunderhawk on Apr 1, 2014 20:52:43 GMT -6
That's a fine fuckin summation. Sheldon Kurtz would approve. If we wish to preserve private insurance whilst getting rid of PEs and approximating a closure of the coverage gap, Obama/Romney care is just about the only even marginally feasible option. Blah, blah, blah. Let's be honest. The "coverage gap" is not fucking going anywhere. Proles won't pay for it. So either you and me pay for it with higher premiums driven by higher costs of covering proles or you and me pay for it with taxes. Proles lack the mental capacity to plan, and things like insurance require planning. That is why the fucking government has to require proof of insurance when you buy a car or register your plates every year, because if they didn't, proles would just fucking skip out on it. And we both know proles will skip out on Obamacare, unless its some $8 a month thing (because Uncle Sug is paying the rest) and they feel like they're on the cusp of getting sick. Furthermore, and this is purely a matter of economics, but a prole's health is worth less than your or my health, and Bill Gates' health is worth more than your or my health. That's because there is this fucking thing called the market that establishes a price at which we can sell our labor and if you or me are fucked up, it costs us or our employer a fuckload of money, but if a prole is fucked up, it costs Wal-Mart a phone call or maybe 30 minutes of a manager's time to hire some other fungible humanoid to run the fucking cash register. So in short, the left wing asshats need to shut the fuck up about equality bullshit because people just aren't equal. Here in Chicago, if I have chest pains I should be able to roll over to Northwestern and get fucking hooked up immediately to some shit to check out my ticker because I drop $20k into my health insurance AND another $9k into the health system via Medicare bullshit, but a prole who has put nary a fucking penny into the system (and who wouldn't even under a single payer system) should get their ass shipped to the equivalent of Broadlawns and handed a lollipop on their way out the door if they show up at Northwestern. Depressing. Brutal. Yet accurate. I have to say, having traveled internationally quite extensively , that our proles are an especially pathetic breed, gypsies notwithstanding. Really, they're better suited for the "developing" world, where the unwashed futureless heaving masses live a brutish animal existence and die without a peep.
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