‘The Affordable Care Act: 5 Years Later’ (WH.gov)

My Wife's Losing Her Obamacare Coverage Because The Insurer Lost $400 Million

http://www.forbes.com/sites/merrillm...t-400-million/

If you ask President Obama how Obamacare is going, he will say awesome, couldn’t be better. But how about asking 367,000 Texans who are having their health insurance coverage eliminated because the insurer lost $400 million on that group in 2014.

It’s not like the health insurer, Blue Cross Blue Shield of Texas, wasn’t charging enough—at least from the insureds’ standpoint.

Last fall, the company informed us, along with thousands of other Texans, that it would be canceling my wife’s individual policy—i.e., a policy she buys personally.

So we began looking over the options. While her 2014 premiums weren’t cheap, they didn’t seem unreasonable for a policy with a $2,500 deductible. We were generally very happy with her coverage, but we were told that policy would end Dec. 31, 2014, and she needed to enroll in an Obamacare-qualified plan.

Our insurance agent, having done several comparisons, suggested that most of her clients with Blue Cross policies would likely be best off remaining with that company. But, she warned, most would be paying more.

She wasn’t kidding.

The Case Against Obamacare: An eBook From Forbes
Make no mistake. The new health law has disrupted coverage for millions, and driven up costs for millions more.

If my wife chose a similar plan with the same $2,500 deductible, her premiums would more than double.

There were other options, like one with a $5,000 deductible for about $25 more a month. But most of those plans had very “narrow networks”—i.e., a much more limited group of in-network doctors and hospitals—in order to keep the premiums from rising even higher. My wife’s doctor wasn’t taking any of those plans.

So she eventually chose a 2015 plan almost identical to the 2014 plan she had with the same insurer—except the deductible went up from $2,500 to $6,000.

Oh, and it cost 50% more for that policy. And that was her best option.







Originally Posted by IIFFOFRDB

The reason for this is unbalanced risk pools in the individual market. The underwriting department of BCBS will continue to raise the amount of premium and deductible until they stop losing money in this market. If BCBS lost 400 million it just means they signed up more than there fare share of policy holders who were "already sick".

The govt said. . . ok, every American will be required to purchase your product, similar to what happened in most states years ago with auto insurance. The auto insurance industry LOVED this cause it forced people to buy their product. This is a boon for any industry. that's why the rate of insurance premium increases has gone down since Obamacare.

And liberally using the word "faggot" like that's a thing... Another desperate attempt at relevance.

You're stalking WR, plain and simple.... Originally Posted by Yssup Rider

Why, look at this.... assup is jealous that I'm not paying more attention to his faggoty ass... the poor cocksucker gets ignored everywhere he goes, especially down at tallywackers where the gay waiters now pick straws to see who gets stuck servicing his table of libtarded perverts.

Assup, maybe if you tried spamming us with 50 worthless posts a day while lying constantly about your multiple handles, we would show you the same amount of derision we now direct at the freelance faggot from Arkansas. In the meantime, since you pathetically crave attention and seek relevance, why don't you help out the sewer rat by coming up with some new faggot jokes. You know, the ones that start with "you're so gay that..." He desperately needs more lame material for his next meltdown!

.

Why, look at this.... assup is jealous that I'm not paying more attention to his faggoty ass... the poor cocksucker gets ignored everywhere he goes, especially down at tallywackers where the gay waiters now pick straws to see who gets stuck servicing his table of libtarded perverts.

Assup, maybe if you tried spamming us with 50 worthless posts a day while lying constantly about your multiple handles, we would show you the same amount of derision we now direct at the freelance faggot from Arkansas. In the meantime, since you pathetically crave attention and seek relevance, why don't you help out the sewer rat by coming up with some new faggot jokes. You know, the ones that start with "you're so gay that..." He desperately needs more lame material for his next meltdown!

. Originally Posted by lustylad

Why is it so hard for LustyTard to find a nice, sensitive and caring man? Those men already have boyfriends. Did any of you hear that LustyTard got fired from his job as a security guard at the sperm bank? He got caught drinking on the job.

You want to know a surefire way to make LustyTard scream twice? Fuck him in the ass real hard and then wipe your dick on his couch

Why, look at this.... assup is jealous that I'm not paying more attention to his faggoty ass... the poor cocksucker gets ignored everywhere he goes, especially down at tallywackers where the gay waiters now pick straws to see who gets stuck servicing his table of libtarded perverts.

Assup, maybe if you tried spamming us with 50 worthless posts a day while lying constantly about your multiple handles, we would show you the same amount of derision we now direct at the freelance faggot from Arkansas. In the meantime, since you pathetically crave attention and seek relevance, why don't you help out the sewer rat by coming up with some new faggot jokes. You know, the ones that start with "you're so gay that..." He desperately needs more lame material for his next meltdown!

. Originally Posted by lustylad

YUP, ShitEater has Multiple Personality Handle Disorder (MPHD). I always wondered when it would be exposed... THANKS!

YUP, ShitEater has Multiple Personality Handle Disorder (MPHD). I always wondered when it would be exposed... THANKS!


Originally Posted by IIFFOFRDB

You have a disorder where you post videos that no one watches, yet you keep posting them. No known cure.

You have a disorder where you post videos that no one watches, yet you keep posting them. No known cure. Originally Posted by WombRaider

That's a lot of "watches" for no one viewing, CarlosDanger

THURSDAY, AUGUST 13, 2015
How an Identity Theft Sticks You With Hospital Bills | Thieves use stolen personal data to get treatment, drugs, medical equipment
This is a truly chilling story of the myriad of problems that arise when a theif steals your medical records from Stephanie Amour at the Wall Street Journal:

Kathleen Meiners was puzzled when a note arrived last year thanking her son Bill for visiting Centerpoint Medical Center in Independence, Mo. Soon, bills arrived from the hospital for a leg-injury treatment.

But her son had never been there.

Someone had stolen Bill Meiners’s Social Security and medical-identification numbers, using them to get care in his name. If he had been injured, she would have known: Mr. Meiners, a 39-year-old convenience-store worker with Down syndrome, lives with his parents in south Kansas City.
To clear things up, Mrs. Meiners, who turns 74 on Saturday, took him to the hospital to show he was fine. It didn’t work: She says she spent months fighting collection notices and trying to fix his medical records.
In a twist on identity theft, crooks are using personal data stolen from millions of Americans to get health care, prescriptions and medical equipment.

Victims sometimes only find out when they get a bill or a call from a debt collector. They can wind up with the thief’s health data folded into their own medical charts. A patient’s record may show she has diabetes when she doesn’t, say, or list a blood type that isn’t hers—errors that can lead to dangerous diagnoses or treatments.

Adding insult to injury, a victim often can’t fully examine his own records because the thief’s health data, now folded into his, are protected by medical-privacy laws. And hospitals sometimes continue to hound victims for payments they didn’t incur. ...

And the medical establishment often doesn't make it easy to clean up the mess, as Mrs. Meiners found out.

She began early last year with a call to the Centerpoint medical center, which she says promised to clear the fraudulently billed January 2014 leg-injury treatment. But in November, the center’s radiologists turned her son’s case over to collections, seeking $25. This year, the emergency-room physicians sent a bill for $462. And the hospital, she says, wanted her to pay a bill of about $300.

Another concern for Mrs. Meiners was that the thief’s medical information got into her son’s health records, including a drug allergy her son didn’t have. She contacted her son’s insurer, which told her it removed the false information.

She says Centerpoint told her that medical-privacy laws prevent her from looking at everything in her son’s medical record because it contained the thief’s health information. Federal medical-privacy laws bar a person’s access to someone else’s data, even if the information is in their own files, medical experts say. ...

Unlike in financial identity theft, health identity-theft victims can remain on the hook for payment because there is no health-care equivalent of the Fair Credit Reporting Act, which limits consumers’ monetary losses if someone uses their credit information. ...

[A recent] survey found 65% of victims reported they spent an average of $13,500 to restore credit, pay health-care providers for fraudulent claims and correct inaccuracies in their health records. ...

Thieves use many ways to acquire numbers for Social Security, private insurance, Medicare and Medicaid. Some are stolen in data breaches and sold on the black market. Such data are especially valuable, sometimes selling for about $50 compared with $6 or $7 for a credit-card number, law-enforcement officials estimate. A big reason is that medical-identification information can’t be quickly canceled like credit cards.

An undocumented immigrant, Amira Avendano-Hernandez, of Clinton, Wis., was sentenced in 2013 in U.S. District Court for the Western District of Wisconsin to six months in prison and restitution of more than $200,000 after she got medical treatment, including a liver transplant, using someone else’s name. She had bought a stolen Social Security number from a third party, according to the U.S. attorney’s office for the district. ...
Read the full story here.

That's a lot of "watches" for no one viewing, CarlosDanger Originally Posted by IIFFOFRDB

Identity theft was occurring before the ACA was passed. So what is your point?

The reason for this is unbalanced risk pools in the individual market. The underwriting department of BCBS will continue to raise the amount of premium and deductible until they stop losing money in this market. If BCBS lost 400 million it just means they signed up more than there fare share of policy holders who were "already sick". Originally Posted by flghtr65

It is looking grim for Obamacare!

This is a boon for any industry. that's why the rate of insurance premium increases has gone down since Obamacare. Originally Posted by southtown4488

.... so insurance premiums have INCREASED but not as much since "Obamacare"?

How much would they have increased WITHOUT OBAMACARE? Where's Gruber when one needs him?

It is looking grim for Obamacare! Originally Posted by DSK

United Health Care may decide to get out of selling health insurance on the government exchanges. Other health insurance companies are coming back. BCBS, Aetna, Humana and Coventry just to name a few are coming back. Last year there were about 12 million new people got health insurance on the government exchanges that did not have health insurance in 2013. They only need about 10 more million enrollments over the next to years two balance out the risk pools.

http://www.cbo.gov/sites/default/fil...0Estimates.pdf

United Health Care may decide to get out of selling health insurance on the government exchanges. Other health insurance companies are coming back. BCBS, Aetna, Humana and Coventry just to name a few are coming back. Last year there were about 12 million new people got health insurance on the government exchanges that did not have health insurance in 2013. They only need about 10 more million enrollments over the next to years two balance out the risk pools.

http://www.cbo.gov/sites/default/fil...0Estimates.pdf Originally Posted by flghtr65

You are saying 10 million of the same type of patients they have been getting will get them to profitability?

The 0zombie King is fucking the working poor, again... http://news.investors.com/politics-o...ers.htm?p=full

And just FYI, Medicare is EXTREMELY POPULAR, and it is run reasonably efficiently. Originally Posted by PizzaLover

I honestly can not believe that someone actually said this. ROTFLMAO!!!! Talk about clueless.

I've been in the healthcare business for about 25 years.

With this brilliant statement, I'll have to put it through my "liberal logic" conversion software.

If you mean popular cuz so many folks are on medicare, then yes, it is EXTREMELY POPULAR. Others might think "extremely popular" means people really like it. (And please don't send me a bunch of stats from some liberal talking point propaganda website)

If you mean efficient cuz medicare only supplies the need of qualifiers under a specific diagnosis and ACA has added a bunch of extra hoops to jump through with a reduction in reimbursement, then yeah its real efficient.

But you need to talk to the health 80+ yr old that no longer qualifies for a knee replacement simple due to age. (That was a result of ACA). Now they have to live in pain and dysfunction the rest of their lives. DME's (durable medical equipment) are selected by medicare per the diagnosis and age regardless of need. In other words, you receive useless DME's at taxpayers expense just cuz your diagnosis is suppose to need them, and the ones you really need you have to purchase yourself. (Another result of ACA). The ridiculous steps needed to qualify for a procedure that does not meet the typical SOC (Standard of Care). I could write a book about the negative impact of ACA on medicare. Folks are sickened (almost heartbroken) over losing their Doc of 20 plus years.

Medicare is popular until you have to use it. However, if you are one of the folks that fit the criteria of need for a specific diagnosis, then I could see how you might like medicare.

Funny shit, junior. But shit nonetheless.