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Old 11-20-2017, 06:10 PM
 
Location: PSL
7,331 posts, read 1,721,770 times
Reputation: 2619

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Quote:
Originally Posted by marino760 View Post
People were getting screwed everyday by insurance companies way before the Dems plan kicked in. The biggest cause for bankruptcy is and has been for a long time medical expenses even for people that have done everything right and had insurance.
How?! I pay 250% what I used to pay before ACA for premiums PLUS a deductible. How? How can anyone with a straight face say ACA made ANYTHING affordable?
Maybe if you're a bum or on mom and dad's plan until 26...
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Old 11-20-2017, 06:11 PM
 
10,486 posts, read 4,112,908 times
Reputation: 14722
Quote:
Originally Posted by NY_refugee87 View Post
How?! I pay 250% what I used to pay before ACA for premiums PLUS a deductible. How? How can anyone with a straight face say ACA made ANYTHING affordable?
Maybe if you're a bum or on mom and dad's plan until 26...
Did I ever say ACA was affordable? Now you're making things up. I never said such a thing. I said people were getting screwed by insurance companies way before ACA kick in. They were then and they still are now.
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Old 11-20-2017, 06:23 PM
 
3,937 posts, read 1,460,174 times
Reputation: 2230
Quote:
Originally Posted by NY_refugee87 View Post
How?! I pay 250% what I used to pay before ACA for premiums PLUS a deductible. How? How can anyone with a straight face say ACA made ANYTHING affordable?
Maybe if you're a bum or on mom and dad's plan until 26...


It's amazing- healthcare premiums were never rising at all until ACA came along.
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Old 11-20-2017, 06:24 PM
 
Location: PSL
7,331 posts, read 1,721,770 times
Reputation: 2619
Quote:
Originally Posted by marino760 View Post
Did I ever say ACA was affordable? Now you're making things up. I never said such a thing. I said people were getting screwed by insurance companies way before ACA kick in. They were then and they still are now.
Hmm, getting charged for massive premiums with minimal payouts doesn't constitute as getting screwed?

I'm missing something crucial here...

The health insurance plan I had when I was in my early 20s was 35 a week with 10 dollar co-pays for medicines, 90 dollars for an emergency room visit, and 50 for specialists. Was 10 dollars to see PCP too.

Unless you got insurance and didn't read the fine print of coverages, I don't see how anyone could go bankrupt with how it used to be unless they had 0 insurance.

I had used it twice. Hospitalized once.
Never had a deductible to reach first. Insurance covered everything, premiums didn't rise. That BS passes and jumps to 90 per week to have any sort of coverage?

It is cheaper to walk in and say you don't have insurance than it is to get insurance pay the premiums and deductibles. I had to go to an opthomologist once for metal in my eye to be drilled out. I watched a guy come in with no insurance pay 50 dollars out of pocket for whatever his issue was. Someone else had a 200 dollar bill that wasn't covered by their insurance company and they couldn't understand why... they didn't reach their deductible for the year.

I have friends and cousins around my age that are married. Some have kids. Some have kids and aren't married. Deductible for the year is the price of an econobox.

Let this be a reminder. Never let the government handle health or insurance matters. They must find someone that says...
"I've got a really bad idea!"-Romney
"Oh yeah?! And I can make it worse! Hold my beer watch this!"-Obama
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Old 11-20-2017, 06:29 PM
 
Location: Land of the Caddo and Tonkawa
3,956 posts, read 1,493,464 times
Reputation: 5592
More money towards health care means - among other things - less money put into the economy (less money on goods and services). It hurts everyone. So our ever-precious capitalism takes a hit. The pride in doing the wrong thing though is more important than this inconvenient end result, so we'll never hear the powers talk about it.
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Old 11-20-2017, 06:30 PM
 
599 posts, read 660,147 times
Reputation: 926
Quote:
Originally Posted by Metsfan53 View Post
It's amazing- healthcare premiums were never rising at all until ACA came along.
Incorrect.

We've been self-pay for 12 years, as I've been self employed and my husband doesn't get insurance through his work. Premiums were going sky high since about 10 years ago. ACA defrayed it the first few years and actually the first year that the ACA went into effect, our premiums decreased from where they were. We've caught up to where the premiums were headed before it kicked in. This has been going on for a long time - it's just now, more people are aware of it.
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Old 11-20-2017, 06:37 PM
 
69,372 posts, read 53,646,153 times
Reputation: 9357
Quote:
Originally Posted by marino760 View Post
The biggest cause for bankruptcy is and has been for a long time medical expenses even for people that have done everything right and had insurance.
wrong.. the biggest cause for bankruptcies were people got SICK.. and they happened to have medical costs which of course they would since they lose their jobs..

they also had car payments and mortgages..

the end result is they got sick and LOST THEIR JOBS.. the medical expenses wasnt the reason for the bankruptcy, the inability to pay ALL OF THEIR BILLS was...
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Old 11-20-2017, 06:39 PM
 
69,372 posts, read 53,646,153 times
Reputation: 9357
Quote:
Originally Posted by Metsfan53 View Post
It's amazing- healthcare premiums were never rising at all until ACA came along.
We were promised they were gonna drop $2500 per family, or 3,000%..

so much so that companies would be able to give their employees raises...
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Old 11-20-2017, 06:40 PM
 
10,486 posts, read 4,112,908 times
Reputation: 14722
Quote:
Originally Posted by NY_refugee87 View Post
Hmm, getting charged for massive premiums with minimal payouts doesn't constitute as getting screwed?

I'm missing something crucial here...

The health insurance plan I had when I was in my early 20s was 35 a week with 10 dollar co-pays for medicines, 90 dollars for an emergency room visit, and 50 for specialists. Was 10 dollars to see PCP too.

Unless you got insurance and didn't read the fine print of coverages, I don't see how anyone could go bankrupt with how it used to be unless they had 0 insurance.

I had used it twice. Hospitalized once.
Never had a deductible to reach first. Insurance covered everything, premiums didn't rise. That BS passes and jumps to 90 per week to have any sort of coverage?

It is cheaper to walk in and say you don't have insurance than it is to get insurance pay the premiums and deductibles. I had to go to an opthomologist once for metal in my eye to be drilled out. I watched a guy come in with no insurance pay 50 dollars out of pocket for whatever his issue was. Someone else had a 200 dollar bill that wasn't covered by their insurance company and they couldn't understand why... they didn't reach their deductible for the year.

I have friends and cousins around my age that are married. Some have kids. Some have kids and aren't married. Deductible for the year is the price of an econobox.

Let this be a reminder. Never let the government handle health or insurance matters. They must find someone that says...
"I've got a really bad idea!"-Romney
"Oh yeah?! And I can make it worse! Hold my beer watch this!"-Obama
That's you and congratulations. Others aren't as fortunate. A co worker who was "fully covered" by insurance through work had a heart attack and ended up owing 50 grand to the hospital because the health insurance provided at work only covered part of the cost. On top of that was a large deductible. That's how someone can go bankrupt with medical insurance. It's not that hard unless you are upper income and can afford the best and not worry about little details like huge deductibles and paying 20 percent of a long hospital stay.
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Old 11-20-2017, 06:43 PM
 
9,891 posts, read 11,394,025 times
Reputation: 5635
Quote:
Originally Posted by pghquest View Post
We were promised they were gonna drop $2500 per family, or 3,000%..

so much so that companies would be able to give their employees raises...
Look, I'm not plan of the ACA but the only way it even had a chance of working is if all parts of it got approved. That never happened. Not blaming anyone or anything for that. It had a lot of moving parts and a lot of different things that were supposed to happen year after year, but due to political struggles it was implemented fairly half-azzed. A system like that cannot work well until all the different aspects of it are implemented and that's was never going to happen.
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