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can someone explain to me why the ACA is the devil?

shirlene29

shirlene29

I am BATMAN!
Platinum
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I'm dead serious too


I don't understand all of it

I went looking around it yesterday and found better insurance than we currently have for less money (not a lot, like 40 bucks a month) than we're currently paying through employer ins.
 
Because people who earn more don't want to help cover the medical cost of people who have shitty insurance or no insurance.
 
the insurance companies have no skin in the game...people using the marketplace buy their insurance for $xxx and the federal government picks up the rest of the tab...that's fucking bullshit...the recession claimed (among others) pontiac, saturn, mercury and lehman brothers (which at the time was like the oldest company in the u.s.) but, the insurance companies don't have to feel any pain from the new-world-order??? wtf sense does that make???
 
digimon7068 said:
the insurance companies have no skin in the game...people using the marketplace buy their insurance for $xxx and the federal government picks up the rest of the tab...that's fucking bullshit...the recession claimed (among others) pontiac, saturn, mercury and lehman brothers (which at the time was like the oldest company in the u.s.) but, the insurance companies don't have to feel any pain from the new-world-order??? wtf sense does that make???
Click to expand...

The only flaw with that logic is we are picking up their tab anyway by pay for all the uninsured medical bills. Anything they pay, is more than they have paid in the past.
 
billfred said:
The only flaw with that logic is we are picking up their tab anyway by pay for all the uninsured medical bills. Anything they pay, is more than they have paid in the past.
Click to expand...

i want the friggin' insurance company to join the rest of us back down here on earth...how the hell did they become untouchable??
 
lobbyists


I was looking at what the fed kickback was in relation to that premium (the one I dug around quotes on) and it was $324 a month
but the employer pays a little over a grand a month


theres seriously no way to have this all balance out?

the insurance was actually BETTER dental, eyecare and script coverage with a way wayyyyyy lower yrly payout max

Im pissed as hell because this is the same insurance company we had before the employer went shopping. Now we have UHC and I despise them
 
Agreed. I dont even use my own employer's healthplan benefits. I get insurance through my husband's employer. What does that tell ya
 
smurf2 said:
Agreed. I dont even use my own employer's healthplan benefits. I get insurance through my husband's employer. What does that tell ya
Click to expand...

It means doctors have pretty damn good plans that are gonna be better than almost anything
 
smurf2 said:
Agreed. I dont even use my own employer's healthplan benefits. I get insurance through my husband's employer. What does that tell ya
Click to expand...

Thats all I'm saying

they're planning on renewing with em too...despite EVERYONE in the company pissing and moaning about how bad they are.

We gotta talk to HR and see what the best way is to go here
 
Can someone explain to me why shirls wants to fuckin whine about everything all the the fuckin time fuujuuuuuk
 
I save all my happy shit for other forums


sort of like... getting the shir you deserve and such
 
The ACA is an expansion of Medicare and Medicaid, with one being a very troubled federal version of health care insurance and the other being troubled state-run versions of health care insurance.

There are literally thousands of reasons why Obamacare is a bad idea in its current form, but the most obvious reason is macroeconomic:

- Medicare pays at around 90% of a provider's costs in reimbursement, representing a 10% loss per experience.
- Medicaid pays anywhere from 20% to 60% of a provider's costs.
- Since hospitals operate right about break-even as a sector, all of those gaps have to be filled with private insurance.

So even with massive subsidies from the private sector (remember, 40% of all cases are private-pay, yet they bring the entire industry back to zero profit), Medicare is bankrupting the federal government and threatening the solvency of many states.

Now picture doing that on a much larger scale. It's going to be a financial disaster.

And yes, it's true that we pay for the uninsured's emergency care already. But the uninsured also have limitations on their access to non-emergency care. Once the uninsured have insurance cards, utilization will go way up -- no question.

And yes, the previously uninsured will now have access to primary care. But guess what? That 400lb lady with a marlborough in her mouth at 2am chugging schaffer's beer in the Wal-Mart parking lot isn't going to see a primary care physician. Just look at Medicaid enrollment in the states. In Tennessee, 50% of the kids eligible for Medicaid aren't even signed-up. So what do they do? Their parents just haul them into the ER -- just like they'll do under Obamacare.

tl;dr

cool story bro.
 
shirlene29 said:
uh huh, they suck donkey balls
Click to expand...
I LOVED UHC, fuck I missed them, take me back smurf :(

How would all of you feel about a healthcare system that works this way:

Everybody is required to pay 9% of their salary and that gives them full coverage with no deductibles, copays, limits, etc. Everyone would be covered 100% on everything ranging from a simple sliced finger at the ER all the way to cancer treatment and transplant, covers any and all medical supplies and medication.

Would you be onboard?
Discuss :coffee:
 
nangiggles said:
I LOVED UHC, fuck I missed them, take me back smurf :(

How would all of you feel about a healthcare system that works this way:

Everybody is required to pay 9% of their salary and that gives them full coverage with no deductibles, copays, limits, etc. Everyone would be covered 100% on everything ranging from a simple sliced finger at the ER all the way to cancer treatment and transplant, covers any and all medical supplies and medication.

Would you be onboard?
Discuss :coffee:
Click to expand...

only a fuktard immigrant would think this was worht discussin fuck i hate you nan
 
If you're wondering WTF did I come up with 9% it's because it's the percentage charged in Costa Rica, in fact it's the system used in Costa Rica, the only draw back is that there is no real control over who is registered or not because it's a damn third world country full of 50% morons and 50% corrupt assholes. It works fairly well for ER visits and major issues, works horrible for things such as dental and regular check ups.
 
nangiggles said:
I LOVED UHC, fuck I missed them, take me back smurf :(

How would all of you feel about a healthcare system that works this way:

Everybody is required to pay 9% of their salary and that gives them full coverage with no deductibles, copays, limits, etc. Everyone would be covered 100% on everything ranging from a simple sliced finger at the ER all the way to cancer treatment and transplant, covers any and all medical supplies and medication.

Would you be onboard?
Discuss :coffee:
Click to expand...

I'd be fine with it, but the premiums here for a plan like you just described would run $5,000+ per person per month.

The way you'd have to make that work is to severely limit options for treatment and control demand with queues. In other words, we'd adopt the Canadian system.
 
Yup, Canadian system is an improved version of CR, it's what it should be, but yeah waiting queues for things like specialists and non emergency referrals are a pain in the ass.

The french health care model is where it's at!
 
Specialist shortages and queues are one huge issue. But the other problem is technology lag. The best diagnostic imaging equipment in the US is just as good as the best equipment in Canada. But at any time, the US may be 50% converted to the best stuff while Canada remains only 2% converted.

It's easy to think that a little time lag is no big deal, but my mother's mother died early of a coronary artery blockage that could have been addressed by a stent that become mainstream about two years after her death.

And the other problem with lag is how it impacts drugs and devices all over the world. We would make DI equipment at huge costs (billions of dollar projects) knowing that we'd get a big pop in the US because many people would upgrade early. Then we'd begin selling it into the rest of the world knowing that sales would dribble in as opposed to a big influx. Without that initial pop, the entire pipeline will be shifted backward years.
 
mrplunkey said:
Specialist shortages and queues are one huge issue. But the other problem is technology lag. The best diagnostic imaging equipment in the US is just as good as the best equipment in Canada. But at any time, the US may be 50% converted to the best stuff while Canada remains only 2% converted.

It's easy to think that a little time lag is no big deal, but my mother's mother died early of a coronary artery blockage that could have been addressed by a stent that become mainstream about two years after her death.

And the other problem with lag is how it impacts drugs and devices all over the world. We would make DI equipment at huge costs (billions of dollar projects) knowing that we'd get a big pop in the US because many people would upgrade early. Then we'd begin selling it into the rest of the world knowing that sales would dribble in as opposed to a big influx. Without that initial pop, the entire pipeline will be shifted backward years.
Click to expand...

So what would be wrong with universal health care with mostly older, less expensive technology and private insurance/private pay for cutting edge stuff for those that can afford it?

Isn't that the best of both worlds?
 
nydj66 said:
So what would be wrong with universal health care with mostly older, less expensive technology and private insurance/private pay for cutting edge stuff for those that can afford it?

Isn't that the best of both worlds?
Click to expand...

A true two-tier system would actually work. But it would need two fundamental tenets:

1) The cost for the bottom tier should be linked to a blended per capita spend of a few other industrialized nations. So we'd take an average of the per capita spends of say Canada, UK, Germany and France.

2) The spend for the bottom tier should work like the Canadian and UK systems do. They are issued a budget an when it runs out of money, they stop doing cases until the next fiscal year. So when the money is gone, it's gone. Absolutely no deficit spending would be allowed.

Then the private sector can buy-up into better insurance as they feel necessary.

The problem with that is Americans would never go for a two tier system -- we're all equal, right? Know what happens to a doctor who implements a two tier system with his Medicare and private pay patients? He goes directly to jail.
 
gah, I shopped gold plan

current work provided ins is on par with the bronze stuff


Im feeling gyped
 
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