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Actually what's even crazier is the supposed "reasons" some people are opposed to it. Most of what they are saying is so awful about it isn't even true.. That to me is crazy.
As for why plans are being cancelled.. simple, they were crap plans that didn't meet the standards set out in the ACA. People who think they had such a great plan were fortunate enough to never have to discover just how vulnerable their plan left them financially...
I am SHOCKED at all the BS flying around out there about it.. and not from those that support it, but from those that oppose it. It's quite sad actually.....
Excuse me.....my recently cancelled BCBS private health plan that I had for fifteen years was NOT CRAP!
It was top of the line, great 80/20 coverage with a $2,500 deductible and $20 copayment . I have been very pleased with it, but now is cancelled, and to get a similar policy will cost me more than double my previous amount with a $4,000 increase to now total over $8,000 a year!! I can't afford this, and don't want the exchange ins. which is still a $3,000 increase.
I am the one SHOCKED at the BS flying around that only crap policies were cancelled.
Get up to speed girl .....
Last edited by mountainrose; 11-01-2013 at 12:57 AM..
What's with "low information voters"? I keep seeing republitards tossing that around - is that what their little bumper stickers tell them to say now? Is Jesus whispering in their ear again?
Yes, there sure are a lot of low-information voters. They are the ones who voted for the Liar-In-Chief.
I acknowledged that there are casualties either in a previous post in this thread or in another which you might not have seen. .. and it was about 3% of the population that wouldn't' benefit from Obamacare off the bat.
I'm sorry you are having this experience. But I'm still in support of a reform that brings us closer to a system that opens more access to more people.
When somebody comes on here still repeating the debunked medical bankruptcy crap and then expects us to fall for another percentage number, they lose credibility immediately.
Your last statement is the real truth and should have continued on to say..."regardless of who else it hurts", which are the ones that traditionally 'made' this country... the self sufficient working middle class
As for southbel's example of how it is in her area...it won't just be here that has 50 miles to find a doctor that will be in-network, it will also be all the lucky, impoverished, newly ACA covered people and lower income families that I'm sure will be happy to have to take the whole day off to get their free yearly exam or a free well-child visit and every other time they might need to go to the doctor.
And all of those affected better hope that in case of a serious emergency they don't get transported to the nearest hospital just because minutes matter in saving their life.
Let' s see...should I choose taking the chance that I won't bleed to death for a negotiated rate bill or having a heart attack when I get the bill for an un-negotiated rate?
Admittedly dramatic example, but the kind of bankruptcy inducing event ACA is supposed to be preventing.
First, Obamacare is not a "plan" to opt out of. Obamacare is a regulation on the health insurance industry that set standards that health insurance must comply with.
So, in turn health insurance structured different plans at the different levels with levels of service required for each level set forth in Obamacare.
Then, they set their prices. As is and was always the case, prices are based on many things, including their negotiated rates with doctors within the "networks" for which insurance plans draw their "preferred in network list". This includes hospitals.
If a hospital is "opting out" of anything, they are simply saying they will NOT take a certain insurance companies insurance and they become "out of network". This could happen for several reasons.. like the hosptial and the insurance company couldn't agree on prices paid out for services.
And, the insurance companies, because they are not competing on an open marketplace with other insurance companies, are ultimately working to negotiate the best prices possible in order for their insurance plans to remain competitive and affordable. (this is a god thing)
What's kind of ironic is that, when you are picked up in an ambulance to be taken to the hospital, you aren't asked which hospital you prefer, or which hospital is in your network. AND just because a hospital is in network doesn't mean that every doctor that sees or treats you will be in network - so you could be in a network hospital but seen by someone that is out of network and billed appropriately .. but I'm getting a little off track.
Now, soon a hospital that opts out of insurance plans will ultimately loose patients because those patients will go to the hospitals that a) are in their network that b) their network doctors are affiliated with. If patients come in that are "out of network" through emergencies, and the bill is too high for someone whose insurance doesn't cover that hospital, that hospital will be losing money because most likely the treated patient won't be able to pay.
Eventually, hospitals will NEED to join these networks in order to get patients. Patients=customers=revenues...
I like your explanation.
I will add this: a lot of people seem to believe that they can 'no longer see my doctor' if said doctor is not part of a 'preferred provider organization'.
Now, I cannot, of course, speak for others and their experience. However, for the past ten years I have been treated by a doctor for my diabetes, and he is not in the PPO for my insurance company (same thing for my eye doctor). After treatment I pay said doctors a co-pay, they submit their charges to the insurance company, and sometimes I am informed that I owe the doctor some more money, since said doctor is not PPO.
If I went to a PPO, then my co-pay would be enough. As explained, the health insurance company and the doctors in the PPO have reached an agreement concerning charges. My two doctors have not reached an agreement, but my health insurance still pays.
For years my wife had health insurance with a HMO (Kaiser). She hated it because she had to go (under the terms of her contract) to the HMO providers, except in certain emergency circumstances (or for a specialist, if said specialist is not in the area; she had to get pre-approved). She finally switched over to another health insurance company, and she now sees an eye doctor (she has macular degeneration, the wet form) that is not PPO, but he still sees her.
Obamacare patients.. that's EVERYONE with insurance.. because there is no government run healthcare or government option.
so, if hospitals opt out of insurance plans.. they loose paying patients.. because, ultimately , everyone should be covered by an insurance policy bought on the exchange.
and, if they Don't have insurance.. well then the hospital will be treating patients that will ultimately be unable to pay for services and those patients will most likely end up declaring bankruptcy. Unless said patient is a millionaire .
Are the hospitals still going to have to abide by the EMTALA act?
I am guessing if you are on Medicare or Tricare you can still go to the hospitals. This was about affordable care. If you are a Tea Partying Republican would you really want leeches going to the most expensive hospitals around. Why not thank Obama for your Medicare or Tricare instead of going after poor people and the ACA? Your covered so give it a rest.
Not as far as Mayo Clinic is concerned. Medicare,Tricare etc are not taken at their hospitals. It's been that way for a couple of years now after the last pay cutting round.
As for thanking Obama for medicare, should I now thank him for the Sun coming up this morning? How about the internet working (oh wait, that's all on Al Gore ).
Fail. You pundits and GOP e-warriors will believe ANYTHING that suits your narrative.
Obamacare is not a plan to be opted out of. An insurer can choose to not offer coverage at certain hospitals (only to some extent), but not the other way around.
Actually what's even crazier is the supposed "reasons" some people are opposed to it. Most of what they are saying is so awful about it isn't even true.. That to me is crazy.
As for why plans are being cancelled.. simple, they were crap plans that didn't meet the standards set out in the ACA. People who think they had such a great plan were fortunate enough to never have to discover just how vulnerable their plan left them financially...
I read the ACA and I have it on my Kindle to reference. About 90% of the reasons people "oppose" it is because of something they "heard" about it that is completely not true in the least.
and, of couse, people that don't know about the standards in the ACA are going to not understand why their plan was crap because they simply do not have the information. They care enough about it to complain, but not enough about it find the free versions of it online and look up stuff themselves about it.
All this indignation for a statement Obama made about it... I think they would be very surprised and even more appalled about how much they were lied to NOT by Obama about the law.. but by the side they have taken in the Obamacare debate.... ..
I am SHOCKED at all the BS flying around out there about it.. and not from those that support it, but from those that oppose it. It's quite sad actually.....
It does not matter if you want to call it a crap plan . We were promised if we liked our plan whether you attack as crap or not we could keep it
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