General Discussion

onpatrol98

(1,989 posts)

77. Winners and losers

Wed Dec 4, 2013, 06:51 PM

Dec 2013

Unfortunately, there will be not only winners, but some losers. There are some people with deductibles even higher than that. I know a family whose deductible is supposed to be $12,500. I think some people see large premiums and deductibles and assume, oh you must be rich, so who cares. But, I have found people tend to live up to their means. So, you can make 20k and live on 19k...or make 85k and end up living on 84k. It depends on where you live, your household expenses, etc. Regardless, most people don't have a large enough cushion to easily take on larger premiums and deductibles.

Thankfully, many people who have been without insurance, will be able to get it. But, it may also be true, that some people will not find themselves better off and just might find themselves worse off. Insurance companies are thieves, and they know how to play the risk game.

We will be dead in the water during the next election, if our attitude toward people whose situation did not improve or got worse is one that lacks empathy.

Hopefully, the people who did benefit will carry the day. But, for people who didn't benefit, perhaps we can work on solutions.

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Doctors: New Health Care Plans Raise Red Flags [View all] slipslidingaway Dec 2013 OP

Edited NYC_SKP Dec 2013 #1

Speak to the narrow networks and not the news source ... slipslidingaway Dec 2013 #6

I don't know where these mythical 'high deduction' plans are supposed to be. Of the plans I looked TrollBuster9090 Dec 2013 #37

Oh, they exist Glitterati Dec 2013 #39

Yes, please post the screen captures of the plans available in Georgia. Now I'm curious. TrollBuster9090 Dec 2013 #41

Here's the summary Glitterati Dec 2013 #42

And the screenshot shows that you are wrong about the deductibles. eomer Dec 2013 #44

Really? Glitterati Dec 2013 #46

I've been trying to follow what you're saying, but Demit Dec 2013 #48

Your statement was about deductibles for Platinum plans. eomer Dec 2013 #49

I posted above about my costs Glitterati Dec 2013 #50

"My status now is uninsured." TrollBuster9090 Dec 2013 #60

I'm done explaining this Glitterati Dec 2013 #68

Unless you earn more than $46,000 per year, those prices are not with a subsidy. TrollBuster9090 Dec 2013 #71

You are unbelievable Glitterati Dec 2013 #72

Okay, so the screencapture you posted is for a FAMILY plan, not an individual plan. TrollBuster9090 Dec 2013 #73

Correct, 2 Glitterati Dec 2013 #74

No, they're not wrong. I posted numbers for individuals, not families, TrollBuster9090 Dec 2013 #75

OK, I'll make you a deal Glitterati Dec 2013 #76

I'm sorry about your situation, but... TrollBuster9090 Dec 2013 #78

See, you're still wrong Glitterati Dec 2013 #79

1. I just said you'll get all those tests for FREE now, TrollBuster9090 Dec 2013 #80

what if you don't have the $80 a month per person Niceguy1 Dec 2013 #81

Then, as I said to her... TrollBuster9090 Dec 2013 #82

So, in other words Glitterati Dec 2013 #83

Keep your mouth shut about what? TrollBuster9090 Dec 2013 #86

Incidentally, I'd follow up with HHS on those premiums if I were you, because I just entered your TrollBuster9090 Dec 2013 #85

So you managed to ignore my daughter's income completely Glitterati Dec 2013 #89

Yes, it comes out to $108.75 if you count your daughter's income as part of the household income TrollBuster9090 Dec 2013 #92

Because, if you had bothered to READ any of my posts Glitterati Dec 2013 #93

Actually, I've read what you've said very carefully. Let's recap it, shall we? TrollBuster9090 Dec 2013 #94

You have your first #4 wrong entirely Glitterati Dec 2013 #103

Chances are the chiropractic visits will only be covered....... WillowTree Dec 2013 #84

Yes, I see that Glitterati Dec 2013 #87

How much were you paying for your doctors and prescriptions before? (nt) Nine Dec 2013 #47

See Post #50 n/t Glitterati Dec 2013 #51

This is actually better than what is available in my county in Kansas wercal Dec 2013 #52

Hey, but you know....these high deductible plans don't exist Glitterati Dec 2013 #54

The KS Platinum plan is comparable to wercal Dec 2013 #55

You have a range of deductible options available, including as low as $1,000. eomer Dec 2013 #61

You are quite fortunate to live in CA. enlightenment Dec 2013 #56

Yes, I've admitted I was wrong about the deductible on the low-premium plans. TrollBuster9090 Dec 2013 #62

I'm not going to argue with you. enlightenment Dec 2013 #63

If you 'really cannot afford it,' what were you doing for healthcare before the ACA? TrollBuster9090 Dec 2013 #65

Why are you trying to make this about me? enlightenment Dec 2013 #66

I made it about you because I assumed you were speaking from personal experience. TrollBuster9090 Dec 2013 #67

Just as an FYI, enlightenment Dec 2013 #88

I think THIS idiotic comment pretty much nullifies anything sensible you might have to say. TrollBuster9090 Dec 2013 #91

It isn't about not knowing. enlightenment Dec 2013 #96

This message was self-deleted by its author Glitterati Dec 2013 #104

Winners and losers onpatrol98 Dec 2013 #77

There are many low deductible plans available on the federal exchange marketplace for Tennessee. cheapdate Dec 2013 #64

The source for the Op/Ed is the WSJ, but the comment is from PNHP, a Medicare-for-all advocacy group TrollBuster9090 Dec 2013 #23

If you mean unlimited physician provider networks Chuuku Davis Dec 2013 #90

That may be, but it can probably be fixed by adjusting the Medicare fee schedule. TrollBuster9090 Dec 2013 #95

PHNP is not the Wall St Journal. enlightenment Dec 2013 #53

"...the Obamacare model of high-deductibles, narrow networks, and payment restrictions" cheapdate Dec 2013 #2

Yes. Because universal health care is soooo old Europe. Luminous Animal Dec 2013 #3

Have you been in that life or death situation ... slipslidingaway Dec 2013 #8

No, sorry, NOT bullshit Glitterati Dec 2013 #40

Yes, it's true that "network providers" existed both before and after the ACA. cheapdate Dec 2013 #57

Uhhh, the Docs CHOOSE not to be in the networks BlueStreak Dec 2013 #4

Exactly, and people have to check who is in network ... slipslidingaway Dec 2013 #11

No, these days Insurance companies make that decision. There are doctors who SharonAnn Dec 2013 #17

Wrong... you have to apply and be invited into the ACA plan network taught_me_patience Dec 2013 #29

Self Delete.. Cha Dec 2013 #5

Yes. Those universal health care people are soooo suspect. Luminous Animal Dec 2013 #10

Your response does not make sense and is repulsive, unless your intention is ... slipslidingaway Dec 2013 #12

Sorry, I misunderstood in my Cha Dec 2013 #13

Delete!!! Why rush away, what exactly did you misunderstand... slipslidingaway Dec 2013 #15

Quit trolling Cha. She deleted her post and moved on. Pretzel_Warrior Dec 2013 #16

If someone cannot back up their posts then people should just ignore ... slipslidingaway Dec 2013 #20

If your going to start attacking DU user names...This whole thread shows you're slip sliding away! FourScore Dec 2013 #34

You were correct about making fun of names ... until you made the same mistake. n/t slipslidingaway Dec 2013 #97

And none of these doctors will complain a bit pnwmom Dec 2013 #7

The media, including the so called liberal media, decided not to cover the whole story... slipslidingaway Dec 2013 #18

With your daughter being in medical school, I'm sure you know pnwmom Dec 2013 #26

True, but there was support from a significant number of physicians ... slipslidingaway Dec 2013 #27

Obama's personal physician is a primary care doctor, pnwmom Dec 2013 #35

Many doctors, including Obama's personal physician, did try and speak up ... slipslidingaway Dec 2013 #98

In fact, that's exactly what the full 'comment' says. The story is from the WSJ, and the 'comment' TrollBuster9090 Dec 2013 #22

the media champions ACA failure...rupert murdoch owned propaganda rag spanone Dec 2013 #9

It has nothing to do with the failure of ACA, IT HAS EVERYTHING TO DO ...with a more equitable slipslidingaway Dec 2013 #30

You better duck. The swooners will shortly lob the snowballs. PSPS Dec 2013 #14

So very true about admitting the facts, but those pesky facts ... slipslidingaway Dec 2013 #19

Any Particular Reason Why You Cut Off The Last Paragraph, Which Says... TrollBuster9090 Dec 2013 #21

No and thanks, just trying to abide by the narrow limits of cut and paste ... slipslidingaway Dec 2013 #25

Fools like this want Obamacare to fail. CorrectOfCenter Dec 2013 #24

BS, some recognize the shortcomings and say so ... slipslidingaway Dec 2013 #31

Then let's have a cadre of Federally employed physicians who are willing to heal people. kelliekat44 Dec 2013 #28

Which political party has proposed that? Trust me, young med graduates are not lacking ... slipslidingaway Dec 2013 #32

Actually, in urban areas they are, and in rural areas they're not. That's a problem that both TrollBuster9090 Dec 2013 #38

The "and low reimbursement rates for doctors" shows what this is about Recursion Dec 2013 #33

What is the REAL point of posting all of these anti-ACA threads on Democratic Underground? 6000eliot Dec 2013 #36

ACA is the best law ever!!!! Puzzledtraveller Dec 2013 #69

It's far from the best law ever, but it's the law we have, 6000eliot Dec 2013 #70

To make people aware of all the facts, too many are looking at just the monthly costs ... slipslidingaway Dec 2013 #99

This is a question I have that I cannot find a good answer for BrotherIvan Dec 2013 #43

The words that matter: "low reimbursement rates for doctors". The rest is obfuscation. WinkyDink Dec 2013 #45

Doctors are concerned that private health insurance providers might suck? Orsino Dec 2013 #58

Yeah now they complain flamingdem Dec 2013 #59

Some tried to voice their concerns during the debate, but they were ignored ... slipslidingaway Dec 2013 #100

Too true! I am currently auditioning to see a doctor flamingdem Dec 2013 #101

Good luck with you "audition" never thought of it in those terms ... slipslidingaway Dec 2013 #102