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The way you post your figures you make it sound like nobody gets any insurance coverage whatsoever until they pay 12,700 out of pocket. this is absolutely not true to any degree, no matter how you spin it.
Some people, particularly those in the Bronze packages, will likely have vastly fewer options for co-pays. Lower coverage is the price a person pays for choosing the lower premium. So, while the person might he "insured," he or she is really not "insured" because of the deductible. Just wait. If the media does its job, there will be story after story after story of the previously uninsured receiving bills in the mail for doctor visits that weren't covered and didn't meet the deductible. The surprise in the mailbox is coming. Wait and see.
The way you post your figures you make it sound like nobody gets any insurance coverage whatsoever until they pay 12,700 out of pocket. this is absolutely not true to any degree, no matter how you spin it.
In my state there are several policies on the exchange that have zero deductible. There are some that have really high ones, too, like $12K. They are the bronzes, but even there they all waive deductibles for prescriptions, primary and specialist visits, vision care. They almost seem like a "hospitalization" style plan. They are not for me though, I have kids in college next year and I do not need the uncertainty of a high deductible/high max out of pocket policy. Fortunately, Ocare lets me pay a bit more and get a policy with zero deductible and an out of pocket max I can live with.
When I hear of things like this I often think of the parents and what they must think of the failures they have raised.
Me too.
Fortunately for him, Obama's parents are dead and buried. But I am sure if they were alive, they would concur with your post.
Well, except for the part about raising him. Both of them seemed more interested in 'making babies' instead of 'raising babies', and yes, there is a difference.
Some people, particularly those in the Bronze packages, will likely have vastly fewer options for co-pays. Lower coverage is the price a person pays for choosing the lower premium. So, while the person might he "insured," he or she is really not "insured" because of the deductible. Just wait. If the media does its job, there will be story after story after story of the previously uninsured receiving bills in the mail for doctor visits that weren't covered and didn't meet the deductible. The surprise in the mailbox is coming. Wait and see.
I honestly do understand your sincerity and I will hold you to it and wait and see how this all washes out in the future.
In my state there are several policies on the exchange that have zero deductible. There are some that have really high ones, too, like $12K. They are the bronzes, but even there they all waive deductibles for prescriptions, primary and specialist visits, vision care. They almost seem like a "hospitalization" style plan. They are not for me though, I have kids in college next year and I do not need the uncertainty of a high deductible/high max out of pocket policy. Fortunately, Ocare lets me pay a bit more and get a policy with zero deductible and an out of pocket max I can live with.
If you have a zero deductible and an OOP max you can live with, you're paying more than "a bit more".
Just like with auto insurance, zero deductible policies are expen$ive. For a reason.
"If you like your plan, you can keep your plan. Period."
There is no qualifier for "Period." That is the qualifier.
Thats what he thought when he made the statement, he was not to know at the time that once the plan was up and running his statement would go on to conflict with the plans new set of standards that all insurers were obliged to abide by , resulting in many plans so worthless they were considered junk plans and were thrown out/cancelled,IMO rather a blessing in disguise for many who thought they had viable healthcare plans when in reality they were paying for nothing.,
i think calling this incident a lie is just the rightwing playing with semantics to as usual try to make the President look bad,another strawman if you will.
In my state there are several policies on the exchange that have zero deductible. There are some that have really high ones, too, like $12K. They are the bronzes, but even there they all waive deductibles for prescriptions, primary and specialist visits, vision care. They almost seem like a "hospitalization" style plan. They are not for me though, I have kids in college next year and I do not need the uncertainty of a high deductible/high max out of pocket policy. Fortunately, Ocare lets me pay a bit more and get a policy with zero deductible and an out of pocket max I can live with.
That is exactly what I was talking about. Normal procedures and health care are covered with co pays for most what the average person would need. Serious illness has a deductible that varies from policy to policy. Those making less than 63,000 get a subsidy.
The example cited was for a single mother with 2 children making 39,000 a year and paying 300 per month for silver. the policy had normal co pays of 30% based on the silver plan. If She or her children had a serious illness or injury, her maximum out of pocket would never exceed 12,700.
It is gradually seeping into Americans’ pores that this is a con job. I wonder if the law is so good why he moved the deadline until after the election. So more people who are getting conned will not find out of course.
Petch you've been telling us about how you are one of those who got a letter cancelling your healthcare insurance, Why not go over to the ACA website to at least see whats being offered,?
Thats what he thought when he made the statement, he was not to know at the time that once the plan was up and running his statement would go on to conflict with the plans new set of standards that all insurers were obliged to abide by , resulting in many plans so worthless they were considered junk plans and were thrown out/cancelled,IMO rather a blessing in disguise for many who thought they had viable healthcare plans when in reality they were paying for nothing.,
i think calling this incident a lie is just the rightwing playing with semantics to as usual try to make the President look bad,another strawman if you will.
Often overlooked in the discussion is the fact that every health insurance policy ever written was only written for one year and is automatically cancelled after one year and hopefully renewed each calendar year. It's the way it always has been done.
That is exactly what I was talking about. Normal procedures and health care are covered with co pays for most what the average person would need. Serious illness has a deductible that varies from policy to policy. Those making less than 63,000 get a subsidy.
The example cited was for a single mother with 2 children making 39,000 a year and paying 300 per month for silver. the policy had normal co pays of 30% based on the silver plan. If She or her children had a serious illness or injury, her maximum out of pocket would never exceed 12,700.
Seemed like a decent policy for 300 per month???
Yes, but here's the catch. Obamacare was not sold on the idea that someone could go get a cold checked out for $30 copay. Obamacare was sold on the idea that ACA "will actually save them from financial ruin if they get sick."
Financial ruin from being sick does not occur when someone has the sniffles.
I would appreciate it if those who support ACA would stop moving the goal posts.
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