Saturday's Question of the Day

By: ricderr , 3:07 PM GMT on September 28, 2013

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It's 3 days until the Obamacare plan goes online. I've already looked at the kaiser Foundations estimator and it appears that after 4 years I'll finally be able to afford health insurance once again. As for Jessica who pays up the nose due to preexisting conditions, her premiums will drop in half. I've heard from other self pay individuals and they are also expecting decreases in premiums. The reason I right this though is due to all the misinformation that is out there. Those against it all have friends who have a relative that is going to be screwed, while those for it have friends who have a friend who has died because they don't have insurance. The common thread though regardless of which side you are on is that most have no idea whatsoever the basic tenets of the plan. Oh they all have an opinion but facts are in short supply and it leads to the QOD?

Do you understand Obamacare?

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31. WunderAlertBot (Admin)
2:47 PM GMT on October 14, 2013
ricderr has created a new entry.
30. theshepherd
2:50 AM GMT on October 03, 2013
Quoting 29. ihave27windows:


I really don't like to sound preachy, and I was mostly referring to airman (who, by the way, I like very much!).

I have been there, in the debt area, for the very reason I described...it is heartbreaking. It's better now,and I am a very frugal person, but still, healthcare is unaffordable for my husband and I. Our autistic son is covered, thank God =)


Indeed.
I have a good friend with two children that have Aspergers.
I know the love that pours out of their hearts every day to overcome their exhaustion.
God bless you, sweetheart.
Member Since: September 11, 2008 Posts: 9 Comments: 10030
29. ihave27windows
10:51 PM GMT on October 02, 2013
Quoting 28. theshepherd:


Yes ma'am.
My bad.


I really don't like to sound preachy, and I was mostly referring to airman (who, by the way, I like very much!).

I have been there, in the debt area, for the very reason I described...it is heartbreaking. It's better now,and I am a very frugal person, but still, healthcare is unaffordable for my husband and I. Our autistic son is covered, thank God =)
Member Since: July 19, 2005 Posts: 108 Comments: 14893
28. theshepherd
6:24 PM GMT on October 02, 2013
Quoting 24. ihave27windows:
Here's a little truth: We don't know what other people spend their paychecks on. As far as you know, the "other house" anyone, not just your co-worker, owns, could be a small farm or lake house inherited after a parent died. Or some people end up with credit card debt to pay for medical services not covered by insurance. Unless you can look into their checkbooks, it's not right to judge.


Yes ma'am.
My bad.
Member Since: September 11, 2008 Posts: 9 Comments: 10030
27. oregonbirdofprey
3:24 PM GMT on October 02, 2013
RE #17:

"thousands of IRS agents have been hired as a result of Obamacare to enforce its regulations"

Really? Can you support that statement? I'm not so sure that's accurate.
Member Since: September 26, 2008 Posts: 1 Comments: 946
26. ihave27windows
2:05 PM GMT on October 02, 2013
As I suspected, we earn too much to qualify for discounted health insurance....
So we still have no health insurance, but now I get to pay a penalty.
Wow, I love this "change". — feeling Disgusted.


Member Since: July 19, 2005 Posts: 108 Comments: 14893
25. ihave27windows
11:51 AM GMT on October 02, 2013
And I am still opposed to the ACA.
Member Since: July 19, 2005 Posts: 108 Comments: 14893
24. ihave27windows
11:50 AM GMT on October 02, 2013
Here's a little truth: We don't know what other people spend their paychecks on. As far as you know, the "other house" anyone, not just your co-worker, owns, could be a small farm or lake house inherited after a parent died. Or some people end up with credit card debt to pay for medical services not covered by insurance. Unless you can look into their checkbooks, it's not right to judge.
Member Since: July 19, 2005 Posts: 108 Comments: 14893
23. airman45
11:24 AM GMT on October 02, 2013
Hi theshepherd,

Oh yes, I know that, and I hope you are right about the retroactive pay. However, that looks unlikely this time. During the furlough this past summer we were NOT paid. Of course, that was an administrative furlough, not a government shutdown.

The worst part of this whole thing is listening to the whining about money. Most of the whining comes from the HIGHER pay grades. One woman I work with says she would have a tough time paying for her OTHER house. What, the one on the lake??? How many houses do you need? As you pointed out, too many people splurge from paycheck to paycheck. I never lived like that, and would enjoy some time off.
Member Since: April 2, 2007 Posts: 0 Comments: 3504
22. theshepherd
7:57 PM GMT on October 01, 2013
Quoting 20. airman45:
OK, shutdown is here. Most of the employees in my building were furloughed (unpaid) as of noon today, CET. Luckily, my agency has funds to last another week or so before running out, since we are funded differently. I sure hope our esteemed colleagues in our esteemed government straighten this out before next week!


They will receive their pay retroactively when they return to work. You should know that.
If I were them, I'd go fishing and enjoy myself with an unscheduled vacation that won't count against my regular leave time. But then, most people don't live as frugally as I did prior to retiring.
If you build your life living paycheck to paycheck, it's kinda like riding around with no spare in the trunk.
Different strokes for different folks, I reckon.



Member Since: September 11, 2008 Posts: 9 Comments: 10030
21. sp34n119w
6:53 PM GMT on October 01, 2013
A shortcut to understanding the basics of the ACA - complete with flowchart!
It seems that all the citizens who hate Obamacare are overwhelming the servers at healthcare.gov and some State sites, as well. Because they hate it, remember, not because they want it.
Member Since: January 27, 2007 Posts: 80 Comments: 4253
20. airman45
6:39 PM GMT on October 01, 2013
OK, shutdown is here. Most of the employees in my building were furloughed (unpaid) as of noon today, CET. Luckily, my agency has funds to last another week or so before running out, since we are funded differently. I sure hope our esteemed colleagues in our esteemed government straighten this out before next week!
Member Since: April 2, 2007 Posts: 0 Comments: 3504
19. Patrap
4:09 AM GMT on October 01, 2013
Member Since: July 3, 2005 Posts: 414 Comments: 125572
18. Patrap
4:08 AM GMT on October 01, 2013
Member Since: July 3, 2005 Posts: 414 Comments: 125572
17. NumberWise
4:00 AM GMT on October 01, 2013
I've read several hundred pages of the ACA, but I didn't make it through the whole thing as you did, hurricanecrab. I agree with you, though, that it wasn't meant to be understood. Without the tens of thousands of pages of rules and regulations that implement the law, the legislation itself was obscure.

I also think the ACA was meant to be unworkable. Obama said plainly that he favored a single-payer system, but that we had to go through an ObamaCare-type transition.

I find it interesting that most things I read in favor of ObamaCare are personal comments to the effect that the writer or a family member will benefit by being able to get low cost insurance. On the other side, the people who are opposed seem to look at the larger picture of what this law will do to the country, the economy, the medical community, and the deficit.

Yes, many people, previously uninsured, will be able to get insurance and may get a subsidy to help pay for it. But remember that having insurance isn't the same as getting medical care. You can still be denied care, even if you have insurance - assuming you can find a doctor who will accept your insurance.

Sure, it says plainly that there are no criminal penalties for not paying the penalty for not having insurance. But since SCOTUS says it's a tax, not a penalty, and since thousands of IRS agents have been hired as a result of Obamacare to enforce its regulations, I sure wouldn't depend on the foggy line between a penalty and a tax in trying to defend myself to the IRS.

Well, here is a bright spot: Medicare has figured out a way to save money, and we know that a good chunk of the money to fund ObamaCare will come from savings in Medicare. Now when seniors are admitted to the hospital, many of them are admitted for "observation", not as an "inpatient". In that way, Medicare can avoid paying for rehab or a temporary nursing home while they recuperate from an injury or illness.

But, that said, ACA is the law of the land. We law-abiding citizens will obey and adjust. We have already seen many adjustments - doctors retiring early, insurance companies leaving the market, companies downsizing and cutting hours, medical groups announcing that they won't accept certain insurances, etc. I just hope that we will continue to have acceptable health care in addition to having health insurance.
Member Since: October 22, 2005 Posts: 0 Comments: 1661
16. ihave27windows
2:58 AM GMT on October 01, 2013
Well said Crab!

Member Since: July 19, 2005 Posts: 108 Comments: 14893
15. hurricanecrab
12:24 AM GMT on October 01, 2013
I may be one of the few human beings who have read the entire Affordable Care Act and Reconciliation Act (henceforth known as 'Obamacare'.) I make the following observations:

1) I find it to be disingenuous that the "Act" begins with documents incorporated by reference. This requires a diligent reader to uncover all the documents, read and understand them beFORE undertaking the Obamacare Act.

2) I find it humorously ironic that the members of Legislative Council at the beginning of the document list Sandra Strokoff and Edward Grossman. It's not their fault -- they had no control over their names, nor their eventual employment. It's just interesting, and perhaps ironic.

3) NO, RIC, I don't frickin' understand it, and neither do you or any other human being on the planet; it's not meant to be understood -- it wasn't written with that purpose in mind. It was written to be legally binding in support of an agenda for which we can only guess. I'd like to believe that the President and his writers intended to write legislation that would POSITIVELY BENEFIT the MOST American citizens. Well, at least part of it does much more than that.

4) Legal documents suck. They don't foster understanding, but closing of loopholes. This document doesn't foster understanding, but seems to make several open-ended loopholes. It doesn't clearly define "citizen", nor "health care provider", nor "payee", nor "penalty". In my humble opinion, this legislation is a real pinnacle of legal suckrification. That doesn't mean that it won't work, or it won't function, it just means that (imo) it is flawed out of the gate.

5) The Elite, who are currently debating this very important and potentially historic ACT, are exempt from compliance. Well.......... frickin' DUH! Create a bill for which the President down are required to participate in and ONLY participate in and you might have something worth looking at. IF something worth looking at gets studied and vetted, THEN it might be worth voting on. NEVER should any country approve a bill and THEN work our the quirks.

6) Nancy Pelosi is not welcome at my fire. Lord knows, I'm far from perfect. I cannot tolerate a thief or a liar.
Member Since: January 20, 2005 Posts: 64 Comments: 9228
14. Patrap
10:28 PM GMT on September 28, 2013
I like my VAMC Socialized Medicine from da Gub'ment jus fine.

What is Obamacares ?


The Nail n da GOP coffin seems.

; )
Member Since: July 3, 2005 Posts: 414 Comments: 125572
13. ricderr
10:18 PM GMT on September 28, 2013
Welcome to my little piece of the blogging world LA.....all are welcome...even mr perfect :-)
Member Since: June 27, 2006 Posts: 668 Comments: 20131
12. Naga5000
7:22 PM GMT on September 28, 2013
Quoting 10. LAbonbon:
Hello, Ric - my first visit to your blog.

No, I don't truly understand it (ACA), just the basic tenets. However, your post has given me some hope, as I am currently uninsured, and have been, to be brutally honest, somewhat afraid to do the cost estimator.

Now, though, I will be taking a look to see where I stand.

Thanks!


LA, for assistance in your area, check your county (or parish) department of health or the Federal health and human services for the "Navigators" program who will help you go through the process or, at the very least, get you the information you need. Cheers.
Member Since: June 1, 2010 Posts: 4 Comments: 2686
11. airman45
7:18 PM GMT on September 28, 2013
Hi Ric,

No, don´t understand it and didn´t even try. As retired military, I am under Tricare and am not affected by this.........yet.

I am actually more concened right now about the government shutdown. I was already furloughed once, and now may be furloughed again starting this coming week. I am beginning to think working for the government is a volunteer job. LOL
Member Since: April 2, 2007 Posts: 0 Comments: 3504
10. LAbonbon
6:42 PM GMT on September 28, 2013
Hello, Ric - my first visit to your blog.

No, I don't truly understand it (ACA), just the basic tenets. However, your post has given me some hope, as I am currently uninsured, and have been, to be brutally honest, somewhat afraid to do the cost estimator.

Now, though, I will be taking a look to see where I stand.

Thanks!
Member Since: June 26, 2013 Posts: 0 Comments: 1310
9. TheDevilsAdvocate
6:35 PM GMT on September 28, 2013
I think that I have a reasonably good understanding of the PPACA and for the most part like the law. There's certainly some things about the law that could be changed to improve it - the employer mandate for one - but that's not going to happen in the current political climate. One important thing to note is that without the individual mandate, there could be no guarantee of coverage for those with pre-existing conditions. Seems like a good trade-off to me.


Member Since: April 12, 2011 Posts: 0 Comments: 236
8. whitewabit (Mod)
6:15 PM GMT on September 28, 2013
Is there anyone who understands insurance ?? I've never found anyone ...

Member Since: August 17, 2005 Posts: 357 Comments: 30135
7. oregonbirdofprey
6:04 PM GMT on September 28, 2013
I'm not directly affected by it as I have old-fashioned insurance through my employeer. But, you never know, I've headed off in the morning to what I thought was a great job and come home in the afternoon with a box full of my personal belongings. And I have a bunch of pre-existing conditions. I only understand the big picture of Obama-care but I like it. No one in this country should be without access to health care and I'm happy to pay whatever my meager share of the additional tax burden is necessary to support it.
Member Since: September 26, 2008 Posts: 1 Comments: 946
6. auburn (Mod)
5:20 PM GMT on September 28, 2013
I was involved in a study Group on the bill,but to say I understand all of it would be stretching the truth.
I like Ric am excited that my family will be able to afford insurance under this program..and my wife can even get it with her preexisting conditions.
Seems the ones that are complaining about the price going up are the same ones who haven't taken the time to try and research the bill and have been against it from the beginning.We are scared of what we dont understand..and we hate what we are scared of in most cases.
Member Since: August 27, 2006 Posts: 546 Comments: 50222
5. Naga5000
4:40 PM GMT on September 28, 2013
Mister Perfect, I suggest a reread. Your analysis seems like the one's I've heard many times before from those with a certain political affiliation. I mean no disrespect by that, but you put out a few falsehoods.

1st, the penalty issue.

"Both House and Senate versions of the health care bill contained language that would levy a tax on persons who refuse to obtain coverage. Under the House version, evading that tax would have resulted in jail time; but not in the bill approved by the Senate Finance Committee and eventually made law.

The health care bill signed by President Obama explicitly says there are no criminal penalties for those who do not obtain coverage and refuse to pay the penalty tax.

As plainly stated on page 111 of the law, "In the case of any failure by a taxpayer to timely pay any penalty imposed by this section, such taxpayer shall not be subject to any criminal prosecution or penalty with respect to such failure." There would also be no liens or levies placed on property for failure to pay.
"

2nd, the "affordableness" of insurance comes from direct competition between insurers. If the insurers attempt a price gouge on premiums.
"Price gouging is a term referring to seller prices goods or commodities (in this case health insurance) much higher than is considered reasonable or fair. This rapid increase in prices occurs after a demand or supply shock. In this case, the passing of ObamaCare and it's looming protections offered in the bill are causing the companies to try to rapidly increase the price of health insurance.

Part of the Affordable Care Act includes a "rate review" provision. This means that when a health insurance company proposes a rate increase of 10% or more it must be gone over a group of independent experts.

If the reviewers feel insurance price increases are unreasonable, the states can try to decrease the proposed increases or deny them outright. For instance, Connecticut reduced a proposed Anthem Blue Cross Blue Shield increase from 12.9 percent to 3.9 percent"

This gives more power to the states to regulate business, something states rights advocates should be all for.

This post has all ready gone on longer than I meant, so If you have any specific questions, I'm more than happy to help. There's a lot of misinformation out there unfortunately.
Member Since: June 1, 2010 Posts: 4 Comments: 2686
4. MisterPerfect
4:03 PM GMT on September 28, 2013
Here's what I clearly understand:

Premiums, or costs, of literally every product historically rises. It is hard to guarantee health insurance premiums will sustain affordable rates into the future. Especially in a market driven economy.

Sure, as a customer, or if you will, a forced customer mandated by federal law, of health insurance can believe all they want from expert budget analysts whether the Affordable Care Act will indeed be affordable. The only problem is, if it is determined the opposite, it's still law and thus a burdening "tax" will be present for the public to deal with. For those that choose to remove themselves of the burden, breaking law, will face the wrath of the wonderful, unforgiving agency that is to facilitate it, the Internal Revenue Service. Imagine that, an entity that already has the power to impound your assets and freeze your accounts is the watchful eye of every adult individual's responsibility to purchase insurance.

Do I understand the Affordable Care Act? No. Not completely. I don't think anybody can until its had its run for a few years.

I also don't understand why this law is designed to make healthcare affordable. When you read the fine print on your insurance policy, and notice the outrageous out of pocket deductibles, its not like you can disagree and refuse to sign. By law, you have to sign some type of contract or you'll be visited by two strong-arm goons from Uncle Sam, the Internal Repo Service or a U.S. Marshall. Again, seems pretty daunting to call this law affordable. How is anything affordable when if you don't buy something you either land in a jail cell or everything you own gets confiscated? Wait...jail cell? Sure, that's where you go eventually when you don't pay the IRS what they say you owe.

So here we have it. A Federal law, under the guise of affordability, prodding you to buy insurance in a setting where technology and invention drives costs up. This isn't your grandpappy's doctor coming into your living room with a few tongue depressors and lollipop. This is the future, you admit yourself into a million dollar facility that markets itself against its competitors. You sign half-a-phonebook worth of information before a team of people inject diagnostic drugs into your veins and run you through a Star Trek machine that requires its own power plant. The person in the adjacent room that sits at the computer with a cup of coffee waves goodbye to you as you're whisked to sick-bay on level 34D.

Gee, is it any wonder why healthcare costs so much?

Then, if you die, unfortunately, it will cost your family over ten thousand dollars to either bury or burn your remains and further payments must be made to guess what agency again...yep...the Affordable Deathcare keepers themselves, The Infernal Rest Service.

Sure wish the government would help the people it serves, or is supposed to serve, be able to afford not only healthcare, but all of life's requirements with a more robust economy not dictated by the pressures of inflation domestically and abroad.

I digress...yes, I do understand Obamacare. Its supposed to make our lives harder. Mission Accomplished!
Member Since: November 1, 2006 Posts: 71 Comments: 20123
3. ScottLincoln
3:22 PM GMT on September 28, 2013
With all the doom and gloom about the ACA, it's nice to hear someone post how it is actually affecting their life and not something hypothetical.

No, I dont fully understand it. But I probably understand some of the big pieces of it better than many who harp on it. Just a guess.
Member Since: September 28, 2002 Posts: 5 Comments: 2874
2. Naga5000
3:18 PM GMT on September 28, 2013
I do, and I'd be more than happy to answer questions if I can. I had the "privilege" to read through that document 4 times while updating Florida Hospital Medical Group's Policy and Procedures manual earlier this year to ensure we were in line with the changes in PPACA and ADA. The important thing to remember is that it wasn't healthcare reform, it was health insurance reform.
Member Since: June 1, 2010 Posts: 4 Comments: 2686
1. Skyepony (Mod)
3:15 PM GMT on September 28, 2013
I'm not even going to begin to claim I understand that. I do have some friends that will finally be able to have healthcare since they were excluded for preexisting conditions.. Just to make health insurance available to everyone seems like atleast one step in the right direction.

I should be unaffected by it. I don't really know anyone that is expecting to be negatively impacted by it.

Is it expected to pass? We are waist deep in an orderly shut down of the govt..
Member Since: August 10, 2005 Posts: 156 Comments: 36080

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About ricderr

This is a blog for "people". You're not defined by your latest & greatest. You are you and that's great enough.

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