Joined May 2011
L8: Grand Teacher
Forum Thread
https://www.healthcare.gov/ Now OPEN - Cheap insurance
September 30, 2013 at
09:13 PM
in
Finance
(4)
https://www.healthcare.
424 Comments
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now all these poor people will make doctors care less about patients while others wait forever for appointments.
why cant we just let people who dont care about things continue to not care about it?
everyone doesn't have a right to healthcare just like they dont have a right to college, a house, a car, etc. ..and before you start screaming - recognize the difference between having the right to have something vs the right to acquire it.
This law was spoon fed to Congress by the insurance companies and anyone with a brain should have realized exactly who would end up getting rich(er) off of it.
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The real problem in America with health care is not really who is or is not covered by health insurance, it is the massively inflated prices charged by providers for services. These prices are in place because of a decades long game of financial tug of war which has been played by the health care system and the insurance companies.
Basically because the insurance companies haggle over every single charge submitted to them, the health care providers began the practice of artificially inflating the costs listed for services, which in turn caused the insurance companies to put up more of a fight over the charges, which in turn caused the providers to inflate the charges further..Etc until a level of "detente" was reached by means of "negotiated discounts" setup between each insurance provider and a given health care organization.
These charges, which these days can be 300%, 400% or even 1000% above what is considered "reasonable" for the same service in any other first world nation have been put in place due to this ~broken~ system of account billing setup between the health care providers and the insurance companies. This is the reason why a person may be billed $12,000 for an overnight stay in the hospital and yet after all of the "negotiated discounts" between the hospital and the insurance companies are resolved, the final total paid (by the insurance company) might end up closer to $1200.
And of course as it stands, an uninsured (or poorly insured) individual who isn't "protected" by such a negotiated discount is generally stuck fronting most or all of the original (massively inflated) $12,000 charge on their own. Thus potentially leading to bankruptcy and damaged credit for the patient who has been left out in the cold from these closed door pricing negotiations.
The "Health Care" law does nothing to address this issue which is in fact at the root of the problem. Instead it simply rewards this over-billing practice by forcing everyone in the country to participate in it due to requiring mandatory insurance coverage.
A better "Health Care law" would have been one that actually tackled this issue of rampant over-billing and forced the industry to establish both reasonable charges for health care services while at the same time regulating the insurance industry to prevent excessive "haggling" over the newly constructed pricing system.
Thank you obamacare!
People who benefit under Obamacare - happy.
People who are paying for Obamacare - MAD.
We're payers right now. But we have the pre-existing thing hanging over our head. I guess that makes me happy-mad?
Also, most state exchanges have government subsidies that automatically reduce the premiums you pay substantially under certain earning levels. For a family of 4 in california, it's about $94k/yr or less to get subsidized insurance. For us it works out to a little less than we're paying right now, but for much BETTER coverage at the Silver Plus level
and it's still with Blue Cross, our same carrier.
You can check what it would cost you at coveredca.com if you're in California, and pre-existing condition denials are a thing of the past.
Hmm.. with my demographic.. I will be given $500 in federal subsidy for a more expensive insurance which actually increased my insurance rate than one I am able to get from outside of the exchange.
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