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Health Insurance

Curious to know how many of us are living without health insurance and how "Obamacare" will affect us.

by Anonymousreply 6109/26/2013

My student health insurance expires in a few weeks. It's a deeply flawed policy with many exclusions and cost caps. Prescription drug aren't even covered.

I'll need to buy a stopgap policy to cover me from September until December 31.

On October 1, when my state health insurance marketplace goes live, I'll buy a policy under the Affordable Care Act that will go into effect on January 1. I can't wait.

by Anonymousreply 108/20/2013

I can finally afford health insurance and am confused at what to buy. Except for low-level chronic pain, I'm in perfect health. I've only been hospitalized once in my life, although I realize that my luck may one day run out.

by Anonymousreply 208/20/2013

Good question, I'd love to know what the responses will be. I've been without health insurance for about 3 years. Due to being a contractor and not wanting to spend the $$ for it. I'm healthy but I'm worried because I need to start getting medical checkups, some support for mental health, etc and am currently without a job.

by Anonymousreply 308/20/2013

Wow, this is surprising.

by Anonymousreply 408/20/2013

X - Other

I'm retired and have coverage through my former employer. Not yet eligible for Medicare.

by Anonymousreply 508/20/2013

too soon to say r2, the prices etc. don't come out until October.

by Anonymousreply 608/21/2013

A general question - if you let your COBRA lapse, how hard is it to find a new insurance plan independently? Anyone know?

by Anonymousreply 1408/21/2013

[quote]Except for low-level chronic pain, I'm in perfect health

But I'm ooooh so tender to the touch!

by Anonymousreply 1708/21/2013

I'm not certain r8id a troll. Outside major metropolitan areas and/or areas with a lot of old people it's not always easy to find doctors who accept Medicare. Reimbursements have lagged well behind inflation.

My mother has a hard time with continuity of care unless she's really sick and needs to be treated in the hospital and then she's fine. But gone are the days when she could go to any private physician in town and hand over her card.

by Anonymousreply 1808/21/2013

Until we go to single-payer, the system will continue to be a disaster. There is SO much waste and confusion with the current system.

by Anonymousreply 1908/21/2013

I've noticed that as well, r15. A lot of private insurance won't cover anything like dementia, Parkinsons, Lou Gehrig's disease or serious illnesses. Which makes me wonder why even bother?

Why pay that kind of money when the "biggies" won't be covered anyway?

by Anonymousreply 2108/21/2013

[all posts by ham-fisted troll a removed.]

by Anonymousreply 2208/21/2013

What will be the penalty if I don't purchase insurance when Obamacare kicks in?

by Anonymousreply 2308/21/2013

R23, why would you not want medical insurance?

by Anonymousreply 2508/21/2013

I think the fine is eighty dollars r23.

by Anonymousreply 2608/21/2013

Medicare and supplemental from previous employer

by Anonymousreply 2708/21/2013

I was laid off of my corporate job almost 5 years ago. I haven't had health insurance since. I do work but I have a mortgage to keep up. I'm 57.

I just don't sick.

by Anonymousreply 2808/21/2013

[quote]Something sound off about that post.

Perhaps because the entire post is a fabrication created by a right-wing troll.

by Anonymousreply 3008/21/2013

[quote]What will be the penalty if I don't purchase insurance when Obamacare kicks in? (West Coast Lesbian)

They'll force you to have sex with men.

by Anonymousreply 3108/21/2013

Haven't had medical insurance in about 4 years. Am a freelancer and my income went down drastically in 2009 while they were trying to raise my premiums on my individual policy by about 30 percent. So, had to drop the insurance.

These days, I'm making enough to get my bills paid but not enough to pay the $500+ a month insurance would charge me.

Perhaps the rates for individual policies will come down once everyone is in, but I doubt it.

So, the $99 penalty is more affordable.

by Anonymousreply 3308/21/2013

R25, I never said I didn't want health insurance. I am just asking what would happen IF I didn't happen to purchase it in time.

I am a grad student and paying off a couple of large medical bills. Finances are a little tight right now. Both bills are from run-of-the-mill issues - annual female exam and a case of strep throat. I'll welcome the health insurance.

R31, I'll take that penalty over being forced to attend MichFest.

by Anonymousreply 3408/21/2013

So when *will* we start to see health care on the open market? I've seen some policies now but they don't cover anything but preventative care. If you get cancer, HIV or even have a bad accident, you're pretty much screwed.

Is that considered "affordable health care"?

by Anonymousreply 3508/22/2013

While it's a step in the right direction the costs of administering the Obamacare plan will be huge - why not just go straight to the well, as it were? In the UK (where I'm currently working) the NHS provides hospitals and GP services for the entire population, with all the specialists you could want, everything - all free to use and all paid for by taxes. The taxes aren't huge, no-one goes without medical care, no matter how serious your illness you will receive the same treatment no matter what your financial or employment background is.

I had to see a doctor earlier this year: 1 GP visit, 2 hospital visits involving 4 neurologists, 1 radiologist, 1 ER doctor. Cost to me = £0. Absolutely free.

Pay a tiny bit more in taxes, don't pay for private insurance, get all the medical care you could ever need - not the most difficult choice.

by Anonymousreply 3708/22/2013

[quote]What will be the penalty if I don't purchase insurance when Obamacare kicks in? (West Coast Lesbian)

For those working, it will be a percentage of their income. Not sure what it will be for grad students.

A friend calculated that her penalties would be around $800 a year. She earns a lot less than $100 000.

by Anonymousreply 3908/22/2013

More like 20K per day, boy are you living in the dark ages.

by Anonymousreply 4108/22/2013

See if you can catch the old ABC Movie of the Week entitled, "The Last Child". Pay particular attention to the Ralph Bellamy character. THAT is what is coming. It's outrageous, a country as rich and technologically-advanced as we are, and we have no universal health care. I'm coasting towards Medicare, not a lovely thought. When I worked I had THE BEST medical coverage. There wasn't a time I had to worry about any medical situation, because I knew it would be covered. My former company is giving me 3yrs of the same medical benefits, and that will expire when Medicare kicks in. Although god knows what it'll be by that time? I don't know how people get by, who have no medical insurance? I'd be freakin' out.

by Anonymousreply 4308/22/2013

What I find just as mind-blowing is that there is NO STANDARD NATIONAL PRICING FOR MEDICAL PROCEDURES/ITEMS. Who sets the prices of medical costs? The insurance industry??? (I don't know how costs are set)

NPR did a story recently about different hospitals within the same metropolitan area charging various rates for a circumcision.

One hospital charged $700 for the procedure, another one charged $500 and the most expensive charge was $2000 for the service. A local network of doctors were protesting the most expensive charge and they made the decision not to refer any of their patients to that expensive hospital. But what stood out for me in the story was that they all said that THEY HAD NO IDEA HOW MUCH THE SERVICE COST. The DOCTORS DID NOT KNOW HOW MUCH CERTAIN MEDICAL PROCEDURES COST. Unbelievable.

Think about how crazy it is to NOT KNOW THE COST OF SOMETHING. If we walked into a grocery store, a restaurant, an auto dealership, etc. and wanted to buy something we would look at the price tag. We know up front how much something is going to cost before we make the decision to purchase it.

It makes no sense that whenever we walk out of the dr's office we have no accurate idea how much we're going to be paying out of pocket. (I recently had a dr's appt and got the bill 2 months later. One of the charges was a $200 "room fee" to use the room where I met with the doctor. WTH? I have to pay to use the room to meet the doctor? Isn't it just a given that I will need to meet with the dr in his office instead of out in the parking lot??)

It's like the US healthcare system is a runaway stagecoach with no one holding the reins. Us consumers are sitting in that coach with no real sense of what we owe until we get the bill.

It should be a federal law that healthcare costs are set up front so that a consumer knows up front what they are going to be charged. (Taking into account that the same service will cost more in a large metropolitan area than in a smaller rural area where the cost of living is lower)

Anyone should be able to google, for example, "tetanus shot" and see that it has a national cost of, say, $7-$12" ($7 in low population areas and $12 in large metropolitan areas). I realize this is a very simplistic idea but why is pricing so murky and all over the place? Standardized and posted public costs would be a logical step to take I would think.

by Anonymousreply 4708/25/2013

R23, the fine if you do not purchase is $95 and goes up each year until it reaches almost $700.

by Anonymousreply 4908/25/2013


Isn't that Porky Pig's girlfriend?

by Anonymousreply 5108/25/2013

Damn, r47, that's crazy shit!

Who sets the price? It sounds like whoever is working for the insurance companies just makes something up. There is so much fraud and skimming - seriously? They can charge whatever they want and never have to tell anyone?

Wow. If that isn't an invitation to skim money, I don't know what is.

by Anonymousreply 5208/26/2013

R50, abrigdged version please?

by Anonymousreply 5308/26/2013

Fact: the concept currently known as "Obamacare" was originally devised by the Heritage Foundation. They later disowned it when Hillary Clinton promoted the idea during her husband's presidency.

by Anonymousreply 5608/26/2013

Another one of these threads!?

by Anonymousreply 5709/03/2013

Obamacare fines for no insurance:

by Anonymousreply 6009/26/2013

Obamacare fines for no insurance:

2014: $95 or 1% of family income (whichever is greater)

2015: $325 or 2% of family income (whichever is greater)

2016+: $695 or 2.5% of family income (whichever is greater)

by Anonymousreply 6109/26/2013
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