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Post by Deleted on Nov 9, 2016 23:06:03 GMT -5
Personally I don't care who the President is (I voted Stein BTW). What concerns me most is the rhetoric about the affordable care act. This "REPEAL AND REPLACE" garbage. Repeal is the easy part, it's the replace part that they don't talk about. I don't buy insurance from the exchanges, mine is provided by Polaris and is an excellent health care program. The problem is, under the provisions of the ACA, I am allowed to keep my kids (who both have Autism), on my insurance through Polaris till they turn 26 years old. My son has asthma and requires albuterol, symbicort, shit like that, which is covered on my policy. If the ACA is repealed, I will lose coverage for my son. He turns 18 next month. What happens next, is I am then forced to apply for Medicaid (tax payer funded government bullshit)just to get him his medicine. Medicaid does not let you have the better medications that he needs. They make you take some cheap crap that doesn't work well on him. So is that what I can expect from "repeal and have no replacement"? Go from being self sufficient to needing government assistance? I have never used government assistance for my kids, in spite of their special needs. Is repealing a system that lets me keep them off the government teet REALLY better? Is that really what people want? I guess my situation could be even worse though. If the ACA is repealed, millions of people will lose needed health care that they are currently paying for out of their own pockets. What does the future hold for them? Vouchers? Tax breaks? No health care at all? None of which will do any good. I have no problem if they wanna scrap all that shit, but god damn it, don't make my son dependent on government just because you have a vendetta against Obama. They need to have a better plan if they wanna repeal, and it really doesn't look like that will be the case. They talk about selling across state lines, which is about a joke. Credit Card companies do this already. What they do though, is they centralize where there service is out of.. Typically South Dakota. The reason being, is South Dakota's consumer protection laws are completely lax and it allows them to get away with charging as high as a 29.9% interest rate... especially to those who have a lower credit rating. There is no reason to believe that health care would be any different. They'll sell you a cheap useless policy in a state with the worst laws and highest deductibles (probably Florida), and make bank off people's healthcare. What they need to do, is go to Medicare for all. A simple hike from the 1.6% we currently pay to 3.2% and from the 3.2% that employers pay to 6.4% will save EVERYBODY money. Employers and employees. And will cover every single person in America. Then all they have to do, is let insurance companies sell supplemental policies for use in private practice providers. So you get the best of both world. Free healthcare for all, or an optional private healthcare plan with a preferred provider. Just think of what it would be costing you for healthcare if you only had to pay 3.2% of your paycheck .vs what you might be paying now for healthcare. Just think of how much your employer pays and the savings it gives them. These type of things affect other things for the company you work for... like profit sharing and wages because of the amount employers spend to insure employees. There is no reason at all we need middle man insurance companies, and our lives should not be dictated by the profits of a shareholder. [/end rant] I could afford health insurance before Obamacare came along. Now, I not only have no health insurance at all, I had to cut a payment plan with the IRS just so I can make monthly payments on my fine for not having health insurance!!!! Obamacare wants 85% of my take-home pay which is quite impossible and ridiculous for me, or anyone to have to pay. Even if I lived on the street, and somehow did not eat and paid this, I could still never afford to go to a Dr. as they told me my deductible would be $12,000/year! So, if they charged me $150 for an office visit and prescribed $50 worth of medicine, they now have 100% of my paycheck. This is a crime! I work hard and have worked since I was 14 and now, for some reason, they outlawed my $45/month health insurance plan and replaced it with an $800/month plan that I can not pay for so now I owe, and owe and owe the IRS. This year my fine will be $1,200 and I am still making payments on last year's fine. I hope Trump flushes Obamacare down the toilet in the first 100 days!!!!! My boss is in the same boat I am...he had insurance but now, he can't afford Obamacare either and has to pay fines. How the hell does that help anyone? I could quit my job and get it for free but then I still would be homeless and could not eat. The government has no business in the healthcare field at all...NONE! Bill |
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Post by Deleted on Nov 9, 2016 23:16:03 GMT -5
The ACA, being written by medical industrial complex, essentially did nothing to actually address the high cost of health care, i.e. the profiteering medical industrial complex and their army of consultants and lobbyists, instead it merely gave them a big pile of tax payer subsidized cash to suck from with enough winks and nods to the insurance industry to make sure they played along.
This why the hospital charges you $180 for a sling you can by at Walgreens for $20, acting as a broker for an out of state company, who simply charges the maximum the insurance company will allow in a prearranged circle jerk.
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Post by eclark5483 on Nov 9, 2016 23:39:39 GMT -5
Now here's what gets me... Explain this: www.healthcare.gov/fees/fee-for-not-being-covered/I make 70k a year. The MAX my fine could possibly be, is $1750, which amounts to $145 a month. About the same as my premiums at work. I currently pay $72 every 2 weeks.  So in MY case, it's either get healthcare, or pay the fine which is $1 more. Think I'll take the healthcare What I am wondering, is did you try buying a plan on the exchanges? Kentucky has what is it... K-nect or something like that? Just doing a quick check of the site shows the lowest available plan for you and a family of 4 with a median $50,000 a year income runs about $162 a month. Your cost may differ if you input the proper numbers. Only thing is, the deductible is like $10,000 !!! USELESS!! But here's the thing, it's not the government in the business of healthcare. Obamacare is merely just a portal to insurance companies. Like I said before, we need to eliminate the middle man, cut the pork that only goes to insurance company shareholders. It's a messed up situation. The government has no place in requiring people buy a product of any type. On the other hand, the ACA DOES have provisions in it that are useful. |
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Post by eclark5483 on Nov 9, 2016 23:57:57 GMT -5
The ACA, being written by medical industrial complex, essentially did nothing to actually address the high cost of health care, i.e. the profiteering medical industrial complex and their army of consultants and lobbyists, instead it merely gave them a big pile of tax payer subsidized cash to suck from with enough winks and nods to the insurance industry to make sure they played along. This why the hospital charges you $180 for a sling you can by at Walgreens for $20, acting as a broker for an out of state company, who simply charges the maximum the insurance company will allow in a prearranged circle jerk. 100% truth. And here's what I believe.. don't expect that Trump or the Republicans will actually repeal it any time soon. And this is BECAUSE they are the guys who are giving the "winks and nods" to the insurance companies. They're making their money off it as well, all the while trying to throw out this illusion of "THAT DANG OBAMACARE...REPEAL, REPEAL". Yeah, just who are they trying to kid here? Actually kind of glad Trump won and Repubs have control of both houses, because now it's "get real" time for them. They can't use the "that dang Obama" excuse any more. Gonna be quite interesting watching them explain why they didn't repeal it, why they didn't build a wall, why they didn't deport all those illegals, why they didn't ban all those evil Muslims. I'm sure they'll come up with a reason/excuse to blame someone (probably Obama still), then themselves. Yeah, FUCK GOVERNMENT !! I'm still supporting Dwayne Elizondo Mountain Dew Herbert Camacho in the next election. The only sensible choice of all these fuckers. |
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Post by Deleted on Nov 10, 2016 0:06:23 GMT -5
No, the kentucky health exchange went under months ago, like many other state exchanges did. I priced all of this on the fed site. (I am a single white guy with no children living at home and no deductions) The gov. just needs to stay out of it completely and not require anyone to buy anything, which we agree they can not do. The market, if left alone, will fix this. When I was a kid, maybe you too, a Dr. would actually come to your house. The cost was like $10, or even less. Growing up, no one had health insurance...no one. What we had was hospitalization insurance. If you went to the docs, you paid for it...medicine...you paid for it and, you could because it was affordable for just about anyone. Now, if you needed to stay in the hospital which even back then could add up to some bucks, that is where the insurance kicked in. There were no deductibles or co-pays...you paid for it. If a Dr. tried to charge $10 for an aspirin, you would never go there again and neither would anyone else and he would be out of business. But now, folks have no idea what is charged for anything and most don't care because they are not paying for it. I needed to get a physical for a job 3 years ago so I called around. do you know that no one, not one Dr's office could tell me the cash price for just a physical? They said well, it all depends on your insurance and deductible and when I told them I had no insurance and I would be paying cash....they had no idea what it might cost. One lady told me it might be as much a $3,000!!! For a physical? Before Obamacare, you could get one for $50-100 easy. I ended up skipping it entirely.
I do think some changes need to be made. If I insure you and take your money for years and years and then you get sick and I can drop you? Sorry...don't think so. Like the issue with your kids, there are ways to deal with things like that and still retain the low cost competition of a free market. Telling a Dr. that he can only make $30,000/year is not the answer either. (Some are suggesting this) Making employers pay is no answer either. Offering insurance as a benefit has happened only in my lifetime...business did not use to do that...some chose to do so to entice better employees and keep them. Now the government is forcing them to pay it and, like me, some can't afford it so, they lay people off. Nice. My boss said that if he is required to provide insurance, he is closing the business so I will be out of a job also. (Right now they are small enough to not be required to do so).
Hopefully, this will all get fixed, and soon.
Bill
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Post by 90GTVert on Nov 10, 2016 8:32:08 GMT -5
As long as politician's pockets keep getting stuffed by everyone related to the healthcare/insurance industry, you can forget ever having a fair or reasonable system IMO. I don't care what party is in charge, money motivates. I just got a notice last week that my dental insurance is going up again. In 2 years it has gone up 61%. I'd cancel it, since my routine visits will total less than the annual insurance, even if I got an x-ray for some reason. The problem is, it's such a racket that if you have a problem you get raked over the coals. It's depressing seeing how little the insurance company pays compared to what docs charge if you pay out of pocket. I paid 20% of my wisdom teeth extraction and the insurance co payed about another 10% in and it was done, but if I had no insurance I'd have to pay 100% of the bill. It's bull all around.
I'm terrified to see how much my health insurance goes up. It's already ridiculous.
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Post by humanshield on Nov 10, 2016 9:03:26 GMT -5
Government and politicians have turned the American dream into the American nightmare
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Post by Deleted on Nov 10, 2016 10:15:23 GMT -5
What happens when nothing changes in the next four years after a republican sweep?
They'll blame the democrats of course. And round and round we go into a sinking spiral.
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Post by turbotype1 on Nov 10, 2016 11:37:55 GMT -5
Obamacare is a failure .... Period!! Remember the bullshit about keeping your plan you have and keeping your doctors you have? That right there was the biggest con that was ever said to get this nonsense passed!!
I'm self employed , so I have to get my own insurance for just me and my wife. No kids mind you. I used to pay $680/month.NOW, That plan I was on for many years miraculously was no longer available.... Imagine that!! Because of this BOGUS scam of a healthcare act I'm now paying $1200/month for a "comparable" plan....That's $40.00 every friggen day folks... And the biggest kick in the dink, Is that I no longer can even go to my own local hospital.... That hospital is a 2 minute "scooter" ride from my house!
Politicians and their buddies the drug companies.... the ONLY ones that benefit from this.
This half-assed healthcare act that was CRAMMED down our throats needs to go away.... It was WAY better before.
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Post by humanshield on Nov 10, 2016 11:49:24 GMT -5
What happens when nothing changes in the next four years after a republican sweep? They'll blame the democrats of course. And round and round we go into a sinking spiral. In some ways I agree with this...but in some ways I say something different MUST take place. Don't get stuck on "Left vs Right", "black vs white", "Christian vs Muslim" merry go round. That's what they WANT you to focus on. I think we ALL can agree we need to put an end to the racism and violence in this nation....but how? Personally, I do believe there are a lot of cops who are racist both black and white, but there are far more white cops. But that is just a symptom of a far larger problem. The problem lies in government making political careers too lucrative. Nearly everything going wrong can be traced back to big money buying our government and politicians one way or another. Then they use the media to fan those flames to keep us at each others throats while they (the elitist) enjoy the good life at the working peoples expense. We The People MUST put an end to that one thing first and foremost above all else because as long as politicians can make themselves wealthy and powerful for life and serving themselves first and the deep pockets they in turn take care of first, by getting elected, we will never ever break this cycle. Instead of demonstrating against Donald Trump, Democrats should be in the streets demonstrating for TERM LIMITS and SALARY and COMPENSATION LIMITS for politicians. The US Constitution provides for all persons elected to congress to be paid for their service. But it doesn't say they have to get rich and get all the benefits they voted for themselves over the years. TERM LIMITS and salary caps for politicians...ALL POLITICIANS...is not just needed, our survival as a nation depends on it. Thank you |
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Post by Deleted on Nov 10, 2016 14:33:26 GMT -5
What happens when nothing changes in the next four years after a republican sweep? They'll blame the democrats of course. And round and round we go into a sinking spiral. In some ways I agree with this...but in some ways I say something different MUST take place. Don't get stuck on "Left vs Right", "black vs white", "Christian vs Muslim" merry go round. That's what they WANT you to focus on. I think we ALL can agree we need to put an end to the racism and violence in this nation....but how? Personally, I do believe there are a lot of cops who are racist both black and white, but there are far more white cops. But that is just a symptom of a far larger problem. The problem lies in government making political careers too lucrative. Nearly everything going wrong can be traced back to big money buying our government and politicians one way or another. Then they use the media to fan those flames to keep us at each others throats while they (the elitist) enjoy the good life at the working peoples expense. We The People MUST put an end to that one thing first and foremost above all else because as long as politicians can make themselves wealthy and powerful for life and serving themselves first and the deep pockets they in turn take care of first, by getting elected, we will never ever break this cycle. Instead of demonstrating against Donald Trump, Democrats should be in the streets demonstrating for TERM LIMITS and SALARY and COMPENSATION LIMITS for politicians. The US Constitution provides for all persons elected to congress to be paid for their service. But it doesn't say they have to get rich and get all the benefits they voted for themselves over the years. TERM LIMITS and salary caps for politicians...ALL POLITICIANS...is not just needed, our survival as a nation depends on it. Thank you Also, I want them to go back to the Constitution which does NOT allow them to exempt themselves from laws they pass to govern us. This only started recently...by that I mean during my lifetime. We never should allow nor put up with that...ever! The elites must follow and obey all laws as written. That, along with term limits, would stop much of the crap we see today...yes...from both sides. Just one example is Obamacare. Congress exempted themselves from all of the that law. I wonder why? If it was so good and really helpful, why would they not want it too? We all know why and that alone should have told everyone all they needed to know about that law. Bill |
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Post by eclark5483 on Nov 10, 2016 15:22:34 GMT -5
To sum it all up:
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Post by FrankenMech on Nov 13, 2016 0:28:08 GMT -5
I did vote but it does not do any good with the electoral college. If it wasn't for a couple of local issues and races I would not vote at all.
I don't have health care except at a small clinic with a nurse. They keep my prescriptions current but they do not do any diagnostic work. It takes 6 months just to get a X-ray, forget lab work or a MRI. I last saw a doctor back in 2009.
I don't have insurance. I make so little the IRS does not care. I never could figure out insurance plans. It seems that with the low end plans you pay for everything anyway so it does not do anything. I pay full price for dental work when I need it. My teeth seem to be relatively good. I had two crowns and a root canal back in 2012 from old fillings that broke. My general health is piss poor. There is a slim to none chance I may get Medicaid sometime (living in Brownbackistan makes it nigh impossible), otherwise I will have to wait for Medicare. The doctors and hospitals can bill me but they are trying to get blood from a turnip. It ruins my credit rating so I have to pay twice as much for home/car/scoot insurance etc. I pay all my regular bills and pay my credit cards in full, -so what does my credit rating have to do with my insurance rates?
Catch 22,23,24,25,,, SSDD FUBAR
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Post by Deleted on Nov 13, 2016 8:53:27 GMT -5
A president who takes office without a mandate from the majority is going to be interesting
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Post by Deleted on Nov 13, 2016 8:54:38 GMT -5
by the way, they "claim" people with bad credit are more likely to commit insurance fraud, but ask them for proof, and you'll find they lack it.
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