CBO Report on new health care act

[lovedogs]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

I typed this exact question before seeing your response.

 

[ruby59]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

Then if they are that poor and ill, wouldn't they be on Medicaid who would pay for it.

 

[sstephensid]

http://www.politifact.com/truth-o-meter/statements/2017/mar/12/mick-mulvaney/fact-checking-white-house-attack-nonpartisan-cbos-/

I believe it was ruled half truth.

But ObamaCare is imploding and companies are3 running for the hilsl.

Would you rather have had Trump just let it self destruct before he acted?

And for people like me it was premised on a lie that those who had their own policies and doctors would be left alone.

Leaving 24 million people without health insurance doesn't bother you?

I essentially had no health insurance under ObamaCare because I was paying most of it out of pocket and putting off many other things as long as I could.

Having a crappy health insurance policy for many of us was basically not having insurance but still having to pay for it.

I truly don't understand why you purchased this health plan. If you didn't want insurance, the penalty tax wasn't vey high. If you didn't want this plan, then why didn't you choose another plan? You didn't have to choose one from the marketplace. No one forced you to buy an "Obamacare" plan. But you did. Why?

 

[VapidLapid]

http://www.politifact.com/truth-o-meter/statements/2017/mar/12/mick-mulvaney/fact-checking-white-house-attack-nonpartisan-cbos-/

I believe it was ruled half truth.

But ObamaCare is imploding and companies are3 running for the hilsl.

Would you rather have had Trump just let it self destruct before he acted?

And for people like me it was premised on a lie that those who had their own policies and doctors would be left alone.

Leaving 24 million people without health insurance doesn't bother you?

I essentially had no health insurance under ObamaCare because I was paying most of it out of pocket and putting off many other things as long as I could.

Having a crappy health insurance policy for many of us was basically not having insurance but still having to pay for it.

I truly don't understand why you purchased this health plan. If you didn't want insurance, the penalty tax wasn't vey high. If you didn't want this plan, then why didn't you choose another plan? You didn't have to choose one from the marketplace. No one forced you to buy an "Obamacare" plan. But you did. Why?

Actually, I did have to buy an Obamacare plan. Before O'care I had private, individual coverage from Aetna. Because O'care was going to make it so they had to insure more people and pay out more, Aetna simply stopped offering private individual coverage in NYS. I believe that last year there were no insurance companies offering individuals coverage in NYS. That is why I had to get coverage last year through "the marketplace". But I did not have to change doctors, and my coverage increased, my deductible went down and so did my premiums, by $100 per month.

 

[ruby59]

http://www.politifact.com/truth-o-meter/statements/2017/mar/12/mick-mulvaney/fact-checking-white-house-attack-nonpartisan-cbos-/

I believe it was ruled half truth.

But ObamaCare is imploding and companies are3 running for the hilsl.

Would you rather have had Trump just let it self destruct before he acted?

And for people like me it was premised on a lie that those who had their own policies and doctors would be left alone.

Leaving 24 million people without health insurance doesn't bother you?

I essentially had no health insurance under ObamaCare because I was paying most of it out of pocket and putting off many other things as long as I could.

Having a crappy health insurance policy for many of us was basically not having insurance but still having to pay for it.

I truly don't understand why you purchased this health plan. If you didn't want insurance, the penalty tax wasn't vey high. If you didn't want this plan, then why didn't you choose another plan? You didn't have to choose one from the marketplace. No one forced you to buy an "Obamacare" plan. But you did. Why?

I have preexisting conditions which necessitate having good health insurance. And that is why my husband kept hsi present job when he could have been paid more elsewhere.

We had great insurance for decades until Obamacare. Then the company dropped that policy and picked up Obamacare. You see Obama lied. He said those that already had an existing policy would be left alone.

I had no choice with the policy I have now because if I wanted one that had a lower deductible with better coverage it would have been way out of our budget. This was the only one we could afford. And then when I started using it I kept getting bills that my long time doctors and places where I had blood work and Xrays were out of network and not covered.Trying finding an adult endocrinologist in my state that will accept new patients. So either you go and pay out of pocket or end up in the hospital.

Tests for retinopathy (sp) was no longer covered. Mammograms because the lab I uses does 3 D is no longer covered. My endocrinologist is out of network and the closest one that takes my insurance is in Boston.

These are the policies my husband's company offers. I do not get insurance because I work part time. So where do you expect me to get it from?

 

[ruby59]

http://www.politifact.com/truth-o-meter/statements/2017/mar/12/mick-mulvaney/fact-checking-white-house-attack-nonpartisan-cbos-/

I believe it was ruled half truth.

But ObamaCare is imploding and companies are3 running for the hilsl.

Would you rather have had Trump just let it self destruct before he acted?

And for people like me it was premised on a lie that those who had their own policies and doctors would be left alone.

Leaving 24 million people without health insurance doesn't bother you?

I essentially had no health insurance under ObamaCare because I was paying most of it out of pocket and putting off many other things as long as I could.

Having a crappy health insurance policy for many of us was basically not having insurance but still having to pay for it.

I truly don't understand why you purchased this health plan. If you didn't want insurance, the penalty tax wasn't vey high. If you didn't want this plan, then why didn't you choose another plan? You didn't have to choose one from the marketplace. No one forced you to buy an "Obamacare" plan. But you did. Why?

Actually, I did have to buy an Obamacare plan. Before O'care I had private, individual coverage from Aetna. Because O'care was going to make it so they had to insure more people and pay out more, Aetna simply stopped offering private individual coverage in NYS. I believe that last year there were no insurance companies offering individuals coverage in NYS. That is why I had to get coverage last year through "the marketplace". But I did not have to change doctors, and my coverage increased, my deductible went down and so did my premiums, by $100 per month.

Did you qualify for a subsidy?

 

[Tacori E-ring]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

Then if they are that poor and ill, wouldn't they be on Medicaid who would pay for it.

Well, they are making cuts to Medicaid so that will not help the uninsured. Maybe people don't realize that certain HMOs, which some pick when picking Medicaid, have very poor coverage for mental health and substance abuse services. I used to have to call to get authorizations for insurance and it honestly makes no sense. I wish it was black and white but my experiences with insurance prove it is very gray. Ultimately we are all effected.

 

[ruby59]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

Then if they are that poor and ill, wouldn't they be on Medicaid who would pay for it.

Well, they are making cuts to Medicaid so that will not help the uninsured. Maybe people don't realize that certain HMOs, which some pick when picking Medicaid, have very poor coverage for mental health and substance abuse services. I used to have to call to get authorizations for insurance and it honestly makes no sense. I wish it was black and white but my experiences with insurance prove it is very gray. Ultimately we are all effected.

I still have to get authorization when I need to see a specialist.

I also have to check to make sure it is in my network.

And then decide if I want to stay and pay out of pocket or go to a new one that is not as familiar with my medical history.

 

[Tacori E-ring]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

Then if they are that poor and ill, wouldn't they be on Medicaid who would pay for it.

Well, they are making cuts to Medicaid so that will not help the uninsured. Maybe people don't realize that certain HMOs, which some pick when picking Medicaid, have very poor coverage for mental health and substance abuse services. I used to have to call to get authorizations for insurance and it honestly makes no sense. I wish it was black and white but my experiences with insurance prove it is very gray. Ultimately we are all effected.

I still have to get authorization when I need to see a specialist.

I also have to check to make sure it is in my network.

And then decide if I want to stay and pay out of pocket or go to a new one that is not as familiar with my medical history.

I am not sure that is new with ACA. Every insurance I have ever had (self-paid and employer) I have in-network and out-of-network benefits. It is up to me to decide on who to use. Some plans require a referral for a specialist with PCP, some don't. My current one does not.

When I said I got authorizations I meant as a provider. I called patient's insurance to get approval. That was always an eye opening experience. You can always file an appeal if they are not covering something. Your provider can also file an appeal on your behalf if there is a valid reason why you need to stay with them. Always worth a shot! IMHO insurance companies goal is to pay as little as possible. Most consumers don't realize they can appeal.

 

[ruby59]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

Then if they are that poor and ill, wouldn't they be on Medicaid who would pay for it.

Well, they are making cuts to Medicaid so that will not help the uninsured. Maybe people don't realize that certain HMOs, which some pick when picking Medicaid, have very poor coverage for mental health and substance abuse services. I used to have to call to get authorizations for insurance and it honestly makes no sense. I wish it was black and white but my experiences with insurance prove it is very gray. Ultimately we are all effected.

I still have to get authorization when I need to see a specialist.

I also have to check to make sure it is in my network.

And then decide if I want to stay and pay out of pocket or go to a new one that is not as familiar with my medical history.

I am not sure that is new with ACA. Every insurance I have ever had (self-paid and employer) I have in-network and out-of-network benefits. It is up to me to decide on who to use. Some plans require a referral for a specialist with PCP, some don't. My current one does not.

When I said I got authorizations I meant as a provider. I called patient's insurance to get approval. That was always an eye opening experience. You can always file an appeal if they are not covering something. Your provider can also file an appeal on your behalf if there is a valid reason why you need to stay with them. Always worth a shot! IMHO insurance companies goal is to pay as little as possible. Most consumers don't realize they can appeal.

Here is an example. My insurance will only pay for a regular mammogram. I have thick breast tissue. My doctor recommends 3D. The place that I have received my mammograms since I was age 40 now uses 3D.

Mine only will pay if I somehow find a pace that only offers regular mammograms. My gynecologist's office called them and explained why I need 3D and they could not have cared less. I appealed when I received the $850 bill and was denied.

 

[partgypsy]

Those without never plan on paying their bills.
______________________________________

To Tacori - then garnish their wages so a little per month comes out to pay these bills.

What paychecks?

Then if they are that poor and ill, wouldn't they be on Medicaid who would pay for it.

Well, they are making cuts to Medicaid so that will not help the uninsured. Maybe people don't realize that certain HMOs, which some pick when picking Medicaid, have very poor coverage for mental health and substance abuse services. I used to have to call to get authorizations for insurance and it honestly makes no sense. I wish it was black and white but my experiences with insurance prove it is very gray. Ultimately we are all effected.

I still have to get authorization when I need to see a specialist.

I also have to check to make sure it is in my network.

And then decide if I want to stay and pay out of pocket or go to a new one that is not as familiar with my medical history.

I am not sure that is new with ACA. Every insurance I have ever had (self-paid and employer) I have in-network and out-of-network benefits. It is up to me to decide on who to use. Some plans require a referral for a specialist with PCP, some don't. My current one does not.

When I said I got authorizations I meant as a provider. I called patient's insurance to get approval. That was always an eye opening experience. You can always file an appeal if they are not covering something. Your provider can also file an appeal on your behalf if there is a valid reason why you need to stay with them. Always worth a shot! IMHO insurance companies goal is to pay as little as possible. Most consumers don't realize they can appeal.

Here is an example. My insurance will only pay for a regular mammogram. I have thick breast tissue. My doctor recommends 3D. The place that I have received my mammograms since I was age 40 now uses 3D.

Mine only will pay if I somehow find a pace that only offers regular mammograms. My gynecologist's office called them and explained why I need 3D and they could not have cared less. I appealed when I received the $850 bill and was denied.

I have exactly the same issue (I would have to pay more for a 3d test even though I have fibrosystic breast tissue). This has nothing to do with Obamacare I have had the same (private) insurance past 14 years. I also have to go through my pcp to see a specialist.

And this weird idea that governments can't mandate stuff. If you have a car you have to have auto insurance. It's the law. It's both a benefit for you, and for other drivers. You have to wear your seatbelt, or you can get fined, etc. It's not that people who are uninsured are allowed to die on the streets. Instead the hospitals, etc have to absorb the costs, and also they are spread to people who do have insurance. How is THAT fair?

 

[Tacori E-ring]

I agree part gypsy. Insurance has always called the shots.

I am confused on one thing Ruby. You mentioned your husband is working past retirement to gain insurance and your PT job offers insurance. Isn't ACA for those who cannot receive insurance through an employer?