Thanks A Lot Obamacare!

[jaye282 79]

The said truth is millions more people will benefit. I don't ignore the people who've lost their insurance I'm just not assigning blame the same way you are. I used to sell insurance I'm fully aware that the insurance companies were simply taking advantage of people by offering policies that looked effective but were actually horribly designed for any type of catastrophic care. I'm glad the substandard nature of those policies have finally been exposed.

Lol your right. They've been exposed by a very "honest" government who is more then willing to take your money and provide you with "great healthcare". What could go wrong when the government gets involved? Lol that's a laugh

[Frederic 500]

Then feel free to leave this discussion. I didn't force you to get involved, sir. I have a major problem here and i can't see my dr. If there was no ACA I could simply go get an un-fill.

There's no guarantee of that your policy could have been cancelled for any number of reasons the insurance company is just blaming the ACA. In fact before the ACA they could have cancelled your policy and then refused to offer you a new one noting the surgery as a pre-existing condition. Under the ACA they have to offer you something it just might be too expensive.

[jaye282 79]

I disagree. 5 million sounds like a lot but it's approximately 5% last time I checked; compared to over 50 million people with pre-existing conditions who can now purchase insurance rather than relying on Medicaid and Medicare exclusively that number doesn't include people who could not afford insurance at all before but could no buy subsidized insurance which still costs less in the long run due to preventative care being accessible.

So I agree the ACA has flaws but I can't agree with hyperbole like "100% disaster" the data seems to indicate it's been an improvement in the nations healthcare system overall despite some harsh specific shortcomings that will need to be addressed.

5 million doesn't seem like a lot? What if that were money. Would 5 million seem like a lot then? The ACA was unwrapped plagued with major problems. I've lost my insurance and I can't sign up because the website is an utter failure. Only 50,000 a day can sign up with no crashes. I work 75, sometimes 80 hours a week just to make ends meet. I did what I'm supposed to and I should be rewarded with insurance that I'm paying for myself. I didn't ask for any entitlements. I go to work and then I come home and take care of my family. Now all the bums who REFUSE TO WORK are entitled to the same benefits as us hard working Americans and I'm paying and suffering for it. I've taken off work all week because I can't function with my band like this. I can't pay out of pocket because I have 4 teens to feed and buy Christmas for. I've worked my ass off for years and my thanks is, congratulations. ...you no longer have insurance and the insurance we're gonna FORCE you to buy comes with much higher premiums all so everything is fair and equal in the world. If this is such a good program then why does the government say this applies to everyone except for them. Socialism! I pray everyday the GOP repeals this.

[jaye282 79]

And the forum rules suggest that if a topic or a post is not to your liking, you can simply ignore it and move on.

It's all about choices...time for you to move on?

Thank you!!!!!!! Thank you!!!!!!! I gave you a big woop woop!

[2muchfun 8,927]

You missed the point completely. Her old insurance had it right and the new insurer(under Obamacare) does not have bariatric benefits. She's angry because she no longer has the benefits she needs. The new policy is meeting the new(Obamacare) standards and standards seem to vary from state to state. tmf

That isn't what she said she said her insurance was cancelled a decision made by her insurance company. Nothing in the ACA stops her from purchasing a plan with Bariatric coverage. The minimum standards don't vary just the individual states participation in setting up an exchange so it's easier to find and compare available coverage. Which would again be a state issue not an ACA issue as ruled by the Supreme Court.

Sorry, you're wrong. There are about 18 states that offer no bariatric coverage and some of the others offer limited bariatrics. If you sold insurance you know very well that a policy is a contract and to change the policy/contract one must issue a new policy. Therefore millions of policies have been cancelled and offered under the new Obamacare standards/guidelines. Bariatracs has been dropped to keep costs down in many cases.

There are just far too many varied policies for the government to accommodate each one individually.

Apparently the authors of Obamacare do not recognize bariatrics as a necessity? Guess it's back to being pigs as far as the government is concerned?

[Frederic 500]

5 million doesn't seem like a lot? What if that were money. Would 5 million seem like a lot then? The ACA was unwrapped plagued with major problems. I've lost my insurance and I can't sign up because the website is an utter failure. Only 50,000 a day can sign up with no crashes. I work 75, sometimes 80 hours a week just to make ends meet. I did what I'm supposed to and I should be rewarded with insurance that I'm paying for myself. I didn't ask for any entitlements. I go to work and then I come home and take care of my family. Now all the bums who REFUSE TO WORK are entitled to the same benefits as us hard working Americans and I'm paying and suffering for it. I've taken off work all week because I can't function with my band like this. I can't pay out of pocket because I have 4 teens to feed and buy Christmas for. I've worked my ass off for years and my thanks is, congratulations. ...you no longer have insurance and the insurance we're gonna FORCE you to buy comes with much higher premiums all so everything is fair and equal in the world. If this is such a good program then why does the government say this applies to everyone except for them. Socialism! I pray everyday the GOP repeals this.

You are engaging in a lot of hyperbole and frankly spouting emotional nonsense you have every right to be upset with your situation but your assignment of blame and understanding of core issues appears irrational. Feel free to vent nonsense but I will keep pointing out that it is nonsense.

[catfish87 3,471]

I disagree. 5 million sounds like a lot but it's approximately 5% last time I checked; compared to over 50 million people with pre-existing conditions who can now purchase insurance rather than relying on Medicaid and Medicare exclusively that number doesn't include people who could not afford insurance at all before but could no buy subsidized insurance which still costs less in the long run due to preventative care being accessible.

So I agree the ACA has flaws but I can't agree with hyperbole like "100% disaster" the data seems to indicate it's been an improvement in the nations healthcare system overall despite some harsh specific shortcomings that will need to be addressed.

5 million doesn't seem like a lot? What if that were money. Would 5 million seem like a lot then? The ACA was unwrapped plagued with major problems. I've lost my insurance and I can't sign up because the website is an utter failure. Only 50,000 a day can sign up with no crashes. I work 75, sometimes 80 hours a week just to make ends meet. I did what I'm supposed to and I should be rewarded with insurance that I'm paying for myself. I didn't ask for any entitlements. I go to work and then I come home and take care of my family. Now all the bums who REFUSE TO WORK are entitled to the same benefits as us hard working Americans and I'm paying and suffering for it. I've taken off work all week because I can't function with my band like this. I can't pay out of pocket because I have 4 teens to feed and buy Christmas for. I've worked my ass off for years and my thanks is, congratulations. ...you no longer have insurance and the insurance we're gonna FORCE you to buy comes with much higher premiums all so everything is fair and equal in the world. If this is such a good program then why does the government say this applies to everyone except for them. Socialism! I pray everyday the GOP repeals this.

Jaye,

I am sure you are frustrated...mad...upset because of losing your plan that you had. YOU SHOULD BE!

The ACA did not cause you to lose health insurance. YOUR INSURANCE company chose to not offer an acceptable plan at a price you could afford, according to you.

I too, am extremlly frustrated at the "bums" who CAN work, choosing not to and then getting a free ride on others/ME. I believe the ACA can help with this. How many times have you seen someone without health insurance talking on a smartphone, having a couple cars in their driveway, watching cable TV, dining out at resturants, etc, etc??? Those are the people I'M THRILLED will be "fined" if they CHOOSE not to get a qualified plan. In reality, the fine will amount to less income tax refund....once again, money from folks like us who work for a living.

If you can't afford an EMERGENCY unfill, go to the ER....last time I heard, they must treat an emergency.

[Frederic 500]

Sorry, you're wrong. There are about 18 states that offer no bariatric coverage and some of the others offer limited bariatrics. If you sold insurance you know very well that a policy is a contract and to change the policy/contract one must issue a new policy. Therefore millions of policies have been cancelled and offered under the new Obamacare standards/guidelines. Bariatracs has been dropped to keep costs down in many cases. There are just far too many varied policies for the government to accommodate each one individually. Apparently the authors of Obamacare do not recognize bariatrics as a necessity? Guess it's back to being pigs as far as the government is concerned?

You can't blame the government for what insurance companies choose to offer. Yes an insurance policy is a contract that's why these policies were written with tons of back doors for the coverage to be dropped if the person insured got too expensive. WLS continues to show long term health benefits and I believe eventually the actuary tables will show that offering Bariatric surgery is less expensive in the long run and more companies will offer it as part of their plans.

[DELETE THIS ACCOUNT! 12,703]

Some facts:

-Over 12 million (not 5 million) have lost their insurance coverage due to Obamacare

-Over 7 million will remain uninsured because they don't make enough to qualify for the tax credit but make too much to qualify for Medicaid.

-Obamcare doesn't only have minimum care standards but maximum. All policies must not only meet minimum standards but they can not exceed the care offered either. If an insurance carrier offers too little or too much, they are fined heavily.

-The average insurance cost increase is 41% due to Obamacare.

The worst is yet to come: "In 2010, the Health and Human Services Department estimated that 40% to 67% of individual plans would eventually lose their "grandfathered" status, which only was conferred if a plan was purchased before the health care law was approved in 2010."

The insurance increases and cancellations ARE because of Obamacare and Obama himself freely admits it. Obama's sorry excuse for an apology for all the loss of policies and idea of fixing it? He gave them a 1 year reprieve. That's it. And that does nothing for policies already canceled.

http://www.cnn.com/2013/11/07/politics/obama-obamacare-apology/

http://www.forbes.com/sites/theapothecary/2013/11/04/49-state-analysis-obamacare-to-increase-individual-market-premiums-by-avg-of-41-subsidies-flow-to-elderly/

Of course, I have been encouraging everyone who is still drinking the Obamacare Koolaid to read the actual bill. Yes, it's over 1000 pages long. Yes, it took me months but I did read it entirely. But, if you read it and get the facts versus the media bytes being fed to everyone, you'll see the horrible truth for yourself.

[2muchfun 8,927]

You can't blame the government for what insurance companies choose to offer. Yes an insurance policy is a contract that's why these policies were written with tons of back doors for the coverage to be dropped if the person insured got too expensive. WLS continues to show long term health benefits and I believe eventually the actuary tables will show that offering Bariatric surgery is less expensive in the long run and more companies will offer it as part of their plans.

Oh but I can. It's simple. Before Obamacare she was covered, after Obamacare she's not. I know you think you understand how the ACA works but I don't believe you do. I certainly don't? Why is bariatrics covered in some states and not in others? Is it the ACO's that govern these regions that push or mandate less or more coverage? It's too complicated for any of us to understand imo. In fact, very few if any politicians understand what they've authored.

My insurer a year ago is no longer available in the state pool of insurers. Did they pull out? It's not as simple as the mean old insurance companies denying benefits when just months ago they were. If they can make a buck on providing bariatric coverage they will do it.

Somewhere, in a formerly smoke filled room, a group of doctors, CEOs, political appointees and lawyers(ACO), hammered out what will and what won't be covered. And there may be a plan for Jaye that covers bariatrics if she dug deep into each program, but it's also possible that program has a $6,000 deductible with high copays. So what's her alternative?

And where's all that transparency we were promised?

tmf

Edited December 5, 2013 by 2muchfun

[Frederic 500]

Some facts: -Over 12 million (not 5 million) have lost their insurance coverage due to Obamacare -Over 7 million will remain uninsured because they don't make enough to qualify for the tax credit but make too much to qualify for Medicaid. -Obamcare doesn't only have minimum care standards but maximum. All policies must not only meet minimum standards but they can not exceed the care offered either. If an insurance carrier offers too little or too much, they are fined heavily. -The average insurance cost increase is 41% due to Obamacare. The worst is yet to come: "In 2010, the Health and Human Services Department estimated that 40% to 67% of individual plans would eventually lose their "grandfathered" status, which only was conferred if a plan was purchased before the health care law was approved in 2010." The insurance increases and cancellations ARE because of Obamacare and Obama himself freely admits it. Obama's sorry excuse for an apology for all the loss of policies and idea of fixing it? He gave them a 1 year reprieve. That's it. And that does nothing for policies already canceled. http://www.cnn.com/2013/11/07/politics/obama-obamacare-apology/ http://www.forbes.com/sites/theapothecary/2013/11/04/49-state-analysis-obamacare-to-increase-individual-market-premiums-by-avg-of-41-subsidies-flow-to-elderly/ Of course, I have been encouraging everyone who is still drinking the Obamacare Koolaid to read the actual bill. Yes, it's over 1000 pages long. Yes, it took me months but I did read it entirely. But, if you read it and get the facts versus the media bytes being fed to everyone, you'll see the horrible truth for yourself.

You've cited valid facts I dispute the causes you cite but acknowledge it's a complex issue from my point of view and I'll admit it is just my point if view the ACA had still done more good than harm the change is jarring and uncomfortable but I think it is a necessary step forward if for no other reason than to point out the flaws in our healthcare system.

[Frederic 500]

Oh but I can. It's simple. Before Obamacare she was covered, after Obamacare she's not. I know you think you understand how the ACA works but I don't believe you do. I certainly don't? Why is bariatrics covered in some states and not in others? Is it the ACO's that govern these regions that push or mandate less or more coverage? It's too complicated for any of us to understand imo. In fact, very few if any politicians understand what they've authored. My insurer a year ago is no longer available in the state pool of insurers. Did they pull out? It's not as simple as the mean old insurance companies denying benefits when just months ago they were. If they can make a buck on providing bariatric coverage they will do it. Somewhere, in a formerly smoke filled room, a group of doctors, CEOs, political appointees and lawyers(ACO), hammered out what will and what won't be covered. And there may be a plan for Jaye that covers bariatrics if she dug deep into each program, but it's also possible that program has a $6,000 deductible with high copays. So what's her alternative? And where's all that transparency we were promised? tmf

You are pointing out valid concerns about how we dictate health coverage in our country I'm not saying that the government is perfect or the ACA is flawless I'm just saying it isn't productive to try and blame everything on one source, our world is complex with complex problems we need to accept solutions will also be complex. There is a natural desire to identify a single "bad guy" but rarely is that the case. The ACA may need repealed but I'm not naive enough to think that just doing that will make things better than they were before and I don't believe things were acceptable before the ACA either.

[jaye282 79]

You are engaging in a lot of hyperbole and frankly spouting emotional nonsense you have every right to be upset with your situation but your assignment of blame and understanding of core issues appears irrational. Feel free to vent nonsense but I will keep pointing out that it is nonsense.

You'll continue to point out nonsense? Let me guess, you still have your insurance? I'm not spouting off out of frustration. I'm spouting facts. And to quote 2muchfun

Before obamacare I had insurance. After insurance I dont. Those are the facts.

[Frederic 500]

You'll continue to point out nonsense? Let me guess, you still have your insurance? I'm not spouting off out of frustration. I'm spouting facts. And to quote 2muchfun Before obamacare I had insurance. After insurance I dont. Those are the facts.

The sun rose yesterday and the sun rose today this is also a fact that has nothing to do with the ACA.

Your insurance company chose to end your policy rather than revise it. Your insurance company based that decision on assessment of the risk pool covered by that policy the ACA was definitely an influencing factor but so where countless other economic concerns that result in plans being cancelled and premiums being increased every year. Insurance plans were cancelled before the ACA it just may not have ever happened to you before.

[jaye282 79]

The sun rose yesterday and the sun rose today this is also a fact that has nothing to do with the ACA.

Your insurance company chose to end your policy rather than revise it. Your insurance company based that decision on assessment of the risk pool covered by that policy the ACA was definitely an influencing factor but so where countless other economic concerns that result in plans being cancelled and premiums being increased every year. Insurance plans were cancelled before the ACA it just may not have ever happened to you before.

The sun isn't mentioned in the ACA? Here's another fact. I was promised I could keep my insurance by the President of the United States and all along he knew I couldn't. I loved my insurance. My insurance company was kind enough to provide me with bariatric surgery and they've paid for all of my fills. Obamacare offers nothing for bariatric patients. Again, if there was no ACA I would still have my insurance. Before ACA I had insurance. After ACA I lost my insurance.