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I’m a former health insurance CEO and this is what Obamacare repeal will do

Irons

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#41
Illegals go to hospitals and don't pay their bills. Hospitals don't seem to mind providing them with care for free and making up the difference on our bill.
Right. Fecking. There.

Work for a living and struggle with paying for everything and trying to save a little and you are monkey fucked by the system.
Go on welfare, spit out kids like cockroaches and get free everything for life.

.
 

TAEZZAR

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#42
Here it is $418 office visit !!!
$418 office visit.jpg
 

anywoundedduck

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#43
In the end repealing the law even if it isn't replaced, will cost a ton of money. I watched the companies I work for struggle with the new laws for eight years, that struggle wasn't free. Likewise the whipsawing going on in the insurance companies isn't cheap either. The implementation cost had to be huge. Regulation IS the problem. Drop it and the cost of medicine goes down. More often than not I could do some of my own labs if I had access to a lab, but I don't, and have to go to a doctor to have them done. Same with many prescriptions. There are legitimate fears in letting the populace dose themselves, such as the overuse of antibiotics and resistant strains but, a few competitive well written wiki's could alleviate many, many office visits. The ex used to get UTI's on a regular basis we knew what she needed but had to schedule an appointment, often days out, when a simple trip to the pharmacy would have sufficed. I should have went long on this stuff.
Fuckem!
The insurance companies were in on it from the beginning.
Don' t think they can go back eight years? Pretty damn sad. IT professionals that I have talked to said it would be easier to go back than to put up with ACA bullshit. Establish the business plan of eight years ago, tweak a few old apps accordingly,, and update the data base. Delete all links to the Fed. EasyPeesy!
 

TAEZZAR

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#44
In the end repealing the law even if it isn't replaced, will cost a ton of money. I watched the companies I work for struggle with the new laws for eight years, that struggle wasn't free. Likewise the whipsawing going on in the insurance companies isn't cheap either. The implementation cost had to be huge. Regulation IS the problem. Drop it and the cost of medicine goes down. More often than not I could do some of my own labs if I had access to a lab, but I don't, and have to go to a doctor to have them done. Same with many prescriptions. There are legitimate fears in letting the populace dose themselves, such as the overuse of antibiotics and resistant strains but, a few competitive well written wiki's could alleviate many, many office visits. The ex used to get UTI's on a regular basis we knew what she needed but had to schedule an appointment, often days out, when a simple trip to the pharmacy would have sufficed. I should have went long on this stuff.

Interesting, in MEXICO the pharmacies issue most prescription type med's, over the counter, WITHOUT a doctor prescribing them.
 

CrimsonGuardJay

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#45
those figures are exaggerated BULLSHIT !!
I disagree, would you like to see a COPY of my medical bills, I have 2 doctors that CHARGE $400 FOR A FUCKING OFFICE VIST !!!!
I believe this is due to the insurance company's manipulation of the bills & is the only way a doctor can get something when the insurance co's are done.
It is not the fault of the doctors, both doctor & patient are VICTIMS of the 3rd party interference ! Health insurance is a SCAM
I'm pretty sure you're going to the wrong doctor.

I have a doctor who does self-pay, cash only. His standard office visit, even if he has to give me a steroid shot (poison ivy) or remove a skin tag with liquid nitrogen is $65.

For an office visit alone to be $400 it sounds like you're seeing someone beyond this level.
 

Garyw

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#47
This is a simple fix after the crash. No more insurance companies no more insurance. medical cost will plumet. Your doctor may barter for services you may have a tab with him like some rural grocery stores and taverns. Insurance has been the driving force of inflation longer than I have been alive and I am older than dirt. it is all about risk.
 

CrimsonGuardJay

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#48
This is a simple fix after the crash. No more insurance companies no more insurance. medical cost will plumet. Your doctor may barter for services you may have a tab with him like some rural grocery stores and taverns. Insurance has been the driving force of inflation longer than I have been alive and I am older than dirt. it is all about risk.
There will always be health insurance. Trust me.
 

solarion

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#50
There will always be health insurance. Trust me.
I hope you're wrong. Sorry pal, but you work for crooks.

Ditch obozo care and his toothless ILLEGAL mandate and let morons with pea size brains continue funding the health insurance scam. I won't play the .gov/insurance company organized crime game. Mandate or no, I will never pay.
 

Joe King

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#51
Ah.. there: medicare.

There's the problem.
Yea, but the bigger problem is that when the poor schmuck who walks in and needs that same level of office visit, they just get stuck with the $400+ bill to pay. No deductions for them, because if they bill a cheaper price for cash paying patients, medicare will demand that same lower charge for them too.
...and then proceed to only pay a portion of it.

The only way for the providers to get a reasonable amount from medicare, is to grossly overcharge to begin with.


Edited to add: imagine if food were sold that way. $500 for a loaf of bread, but your co-pay on it is only $10
Sounds crazy when viewed that way, but somehow it makes sense at the doctors office?
 

TAEZZAR

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#52
Yea, but the bigger problem is that when the poor schmuck who walks in and needs that same level of office visit, they just get stuck with the $400+ bill to pay. No deductions for them, because if they bill a cheaper price for cash paying patients, medicare will demand that same lower charge for them too.
...and then proceed to only pay a portion of it.

The only way for the providers to get a reasonable amount from medicare, is to grossly overcharge to begin with.


Edited to add: imagine if food were sold that way. $500 for a loaf of bread, but your co-pay on it is only $10
Sounds crazy when viewed that way, but somehow it makes sense at the doctors office?
I have offered to pay cash, for a discount, & been told that it is illegal to give a discount for cash.
Looks as though the scammers have their bases covered.
 

TAEZZAR

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#53
Ah.. there: medicare.

There's the problem.
Maybe, are you eluding to the possibility of a doctor charging different rates for different patients, based on their insurance?
Medicare, at my age & good health, is my cheapest way to go, under present conditions.
As the bottom line shows, I end up with $32 to pay, not bad. I just wonder what it would be without a 3rd party BROKER !
 

Zed

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#54
Here it is $418 office visit !!!
View attachment 88004
Is this like a GP visit?

I pay ~$55.00 for a short consult and ~$70 for a long. Medicare rebates ~ 50% of that normally and ~ 95% if you have spent more than $1500 odd on medical in a calendar year. Mileage varies between Docs, clinics "bulk bill" and you don't pay a cent, great Docs charge a little more... but no where near ~$400.

For a specialist I guess you'd add around $100 to the bill.

That is AUD BTW, you can cut ~25% for USD.

You guys have one fecked up medical scene... it always amazes me that you can live with it, they'd be stringing folk up down here if we had your bills/insurance.
 

Usury

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#55
Illegals go to hospitals and don't pay their bills. Hospitals don't seem to mind providing them with care for free and making up the difference on our bill.
They don't have much of a choice. Current laws require them to provide care.
 

Usury

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#56
those figures are exaggerated BULLSHIT !!
I disagree, would you like to see a COPY of my medical bills, I have 2 doctors that CHARGE $400 FOR A FUCKING OFFICE VIST !!!!
I believe this is due to the insurance company's manipulation of the bills & is the only way a doctor can get something when the insurance co's are done.
It is not the fault of the doctors, both doctor & patient are VICTIMS of the 3rd party interference ! Health insurance is a SCAM
Maybe if they posted pricing for all to see up front things would be different. No one else in any other industry is allowed to charge you whatever the hell they want for a service after the fact and you just have to bend over and take it. 'Cept maybe gov goons.
 

Howdy

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#57
They don't have much of a choice. Current laws require them to provide care.
They never protested the laws before they were passed and do not draw any attention to them when confronted about their ridiculously high rates. It smells to me that they cooperated 100%.
 

CrimsonGuardJay

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#58
Maybe, are you eluding to the possibility of a doctor charging different rates for different patients, based on their insurance?
Medicare, at my age & good health, is my cheapest way to go, under present conditions.
As the bottom line shows, I end up with $32 to pay, not bad. I just wonder what it would be without a 3rd party BROKER !
It would be exactly the same. Commissions on Obamacare plans, in the state that I sell in, are cut to zero for 2017.

Your comment borders on offensive. Do you work for free, sir? Would you give away your developed skills of 12 years experience for free?
 

ErrosionOfAccord

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#59
In my area I always pick at ocare to see how the medical professions react. They all profess to hating it.
 

CrimsonGuardJay

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#60
In my area I always pick at ocare to see how the medical professions react. They all profess to hating it.
Amazing, so you mean to say, that people who worked their entire professional lives so they could provide for their families, and suddenly have their hard work evaporate into thin air as they need to work harder to see more patients that they don't have time for, to make LESS money than ever before?

I'm shocked. Fucking shocked, I tell you.
 

Uglytruth

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#61
Kinda like skilled tradesmen & NAFTA........ just 23 years later........
 

anywoundedduck

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#62
In the end repealing the law even if it isn't replaced, will cost a ton of money. I watched the companies I work for struggle with the new laws for eight years, that struggle wasn't free. Likewise the whipsawing going on in the insurance companies isn't cheap either. The implementation cost had to be huge. Regulation IS the problem. Drop it and the cost of medicine goes down. More often than not I could do some of my own labs if I had access to a lab, but I don't, and have to go to a doctor to have them done. Same with many prescriptions. There are legitimate fears in letting the populace dose themselves, such as the overuse of antibiotics and resistant strains but, a few competitive well written wiki's could alleviate many, many office visits. The ex used to get UTI's on a regular basis we knew what she needed but had to schedule an appointment, often days out, when a simple trip to the pharmacy would have sufficed. I should have went long on this stuff.
I heard that Big Pharm is lobbying Congress to ban most supplements. The two in the picture look like good candidates.
But you will be able to buy them with a doctor's prescription.
Does this shit ever end?
 

gliddenralston

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#63
No matter if ACA is repealed/replaced/or renamed Trumpcare, anybody that thinks their going to get cheaper/better coverage/lower deductibles/less copay/ ect , is Highly Delusional.
 

TAEZZAR

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#64
It would be exactly the same. Commissions on Obamacare plans, in the state that I sell in, are cut to zero for 2017.

Your comment borders on offensive. Do you work for free, sir? Would you give away your developed skills of 12 years experience for free?
Your profession is offensive & EXPENSIVE to me. I was once in a bad profession, I saw the light & changed careers.
Who is holding your feet to the ground ? You seem to be standing up for a profession that is fucking you. AND NO I do not work for free !
Is there a message in here for you ?
 

CrimsonGuardJay

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#65
No matter if ACA is repealed/replaced/or renamed Trumpcare, anybody that thinks their going to get cheaper/better coverage/lower deductibles/less copay/ ect , is Highly Delusional.
False, Noone thinks that. The people that are being royally bent over and fucked by obamacare are the folks who make around 4X the federal poverty level per household. They have the worst of both worlds, insurance for 2.5-3X what it was in 2013, ZERO subsidies, since their income is "good enough" that they arent eligible, and finally, a full penalty if they choose not to participate.

These are generally healthy folks who get up every day and go to work and have few if any medical problems. They are the ones who will gladly call me and do an application for a health plan that has underwriting and looks at prior medical problems, and the vast majority will qualify, and will be happy to return to the lower rates of 3 years ago.

The people who make like $17,000 a year and get their insurance for $90 a month because its almost completely subsidized,---- not so much.

It is NOT fair or reasonable to force someone to pay substantially more for a necessary product so someone else can get it for substantially less, period. That is theft.
 

CrimsonGuardJay

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#66
Your profession is offensive & EXPENSIVE to me. I was once in a bad profession, I saw the light & changed careers.
Who is holding your feet to the ground ? You seem to be standing up for a profession that is fucking you. AND NO I do not work for free !
Is there a message in here for you ?
My profession is respectable. I provide solutions for individuals and families who often do or do not understand insurance and certainly do not understand the subsidy system the affordable care act has in place. I save people money, often times thousands of dollars per year by taking the time to assist everyone to the best of my ability, which would NEVER get done if they didn't call me. In exchange for my services, I either get paid a small commission (which works out to barely 3% of the premium) OR i charge a small consulting fee, which is usually less than 5% of the massive subsidy that I secure for the client.

If anything of the above offends you or seems unreasonable, I'm sure everyone here would love to know why.
 

Irons

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#67
Kinda like skilled tradesmen & NAFTA........ just 23 years later........
Yep, we were shoved into poverty and told to suck it up. Then the progammers got it, then the engineers.
The medical racket is next. Be brave oh mighty medical peeps, like you told us to be.
Sooo solly, feckers.

.
 

Howdy

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#68
They never protested the laws before they were passed and do not draw any attention to them when confronted about their ridiculously high rates.
I heard that Big Pharm is lobbying Congress to ban most supplements. The two in the picture look like good candidates.
But you will be able to buy them with a doctor's prescription.
Does this shit ever end?
The fact that the medical establishment is totally corrupt and malicious is more important than how much it costs or who pays for it.
 

gliddenralston

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#69
The people who make like $17,000 a year and get their insurance for $90 a month because its almost completely subsidized,---- not so much.
If you make under 22,000 you get booted to Medicaid, professionals should know that.
 

TAEZZAR

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#70
False, Noone thinks that. The people that are being royally bent over and fucked by obamacare are the folks who make around 4X the federal poverty level per household. They have the worst of both worlds, insurance for 2.5-3X what it was in 2013, ZERO subsidies, since their income is "good enough" that they arent eligible, and finally, a full penalty if they choose not to participate.

These are generally healthy folks who get up every day and go to work and have few if any medical problems. They are the ones who will gladly call me and do an application for a health plan that has underwriting and looks at prior medical problems, and the vast majority will qualify, and will be happy to return to the lower rates of 3 years ago.

The people who make like $17,000 a year and get their insurance for $90 a month because its almost completely subsidized,---- not so much.

It is NOT fair or reasonable to force someone to pay substantially more for a necessary product so someone else can get it for substantially less, period. That is theft.
Thank you, you made my case.

My profession is respectable. I provide solutions for individuals and families who often do or do not understand insurance and certainly do not understand the subsidy system the affordable care act has in place. I save people money, often times thousands of dollars per year by taking the time to assist everyone to the best of my ability, which would NEVER get done if they didn't call me. In exchange for my services, I either get paid a small commission (which works out to barely 3% of the premium) OR i charge a small consulting fee, which is usually less than 5% of the massive subsidy that I secure for the client.

If anything of the above offends you or seems unreasonable, I'm sure everyone here would love to know why.
I provide solutions for individuals and families who often do or do not understand insurance and certainly do not understand the subsidy system the affordable care act has in place.
Insurance, like the banksters corruption & government, are ALL made complicated to hide their criminality.

I really like the term "life insurance" hahahaha you gotta die to collect it - ohh wait, you don't collect it,
someone else does !!! AND it was paid in with 100 penny dollars, used for years & then & paid out years later, with .10 cent dollars. I would love a business like that.
 

CrimsonGuardJay

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#71
If you make under 22,000 you get booted to Medicaid, professionals should know that.
False... the number is actually $16,500. Go to accesshealthct or healthcare.gov and run the numbers, if you make that much or above, you do not get medicaid.

Anyone else here think they know more about this than me, or...?
 
Last edited:

CrimsonGuardJay

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#72
I provide solutions for individuals and families who often do or do not understand insurance and certainly do not understand the subsidy system the affordable care act has in place.
Insurance, like the banksters corruption & government, are ALL made complicated to hide their criminality.

I really like the term "life insurance" hahahaha you gotta die to collect it - ohh wait, you don't collect it,
someone else does !!! AND it was paid in with 100 penny dollars, used for years & then & paid out years later, with .10 cent dollars. I would love a business like that.
Thanks, I appreciate it.

As for your second comment, life insurance is for family protection, or protection against loss if the insured is worth alot to someone else, such as a key employee, corporate leader, important actor, etc. Trust me, the concept is not that hard to grasp. If you live alone and have zero family to protect in the event of death, then life insurance has no real purpose.
 

Uglytruth

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#73
Meat platters, hams, cards, lawn mowing helps in times of death but only one person brings a check to take care of the real problems.
 

Howdy

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#74
Life insurance protects your family against the improbability of your death, not the probability. Life insurance companies wouldn't make any money if the odds were not significantly in their favor. It's a casino, not a service.
 

TAEZZAR

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#75
Thanks, I appreciate it.

As for your second comment, life insurance is for family protection, or protection against loss if the insured is worth alot to someone else, such as a key employee, corporate leader, important actor, etc. Trust me, the concept is not that hard to grasp. If you live alone and have zero family to protect in the event of death, then life insurance has no real purpose.
Life insurance is the most profitable business on earth. I wonder why ???
 

Usury

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#77
Here it is $418 office visit !!!
View attachment 88004
Looks to me like it was ~$160. This whole bill a thousand while agreeing to really take $100 from patients with insurance is the real scam. Providers should be required to post conspicuous pricing available for all to see.
 

CrimsonGuardJay

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#78
Looks to me like it was ~$160. This whole bill a thousand while agreeing to really take $100 from patients with insurance is the real scam. Providers should be required to post conspicuous pricing available for all to see.
I have never sat in a doctors office or dentist chair unless I have a clear and concise discussion about what the fee schedule is.

Amazingly, when I have that conversation, I never end up with a surprise, and almost always have a reasonable fee.
 

Scorpio

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#79
Yep, we were shoved into poverty and told to suck it up. Then the progammers got it, then the engineers.
The medical racket is next. Be brave oh mighty medical peeps, like you told us to be.
Sooo solly, feckers.

Ohh, it is much more fun than that.

They were all too happy to watch you lose your job, while the chins sent those cheap barbie dolls, and appliances and they had a jap car under their asses.

They could care less about you or their neighbor as long as they were getting theirs.

Then they started importing illegal aliens to do tech stuff and the like, and outsourced the rest overseas.

You pick up a phone to call a US company and click click, so solly mr amerikan, what can we doos to helps youse?

@#$23 these corporate pos's. People falling all over themselves to buy apple phones and cheap chin shit thru amazon.

Even our politicians have been outsourced, 'cause they damn sure aren't amerikans.
 

TAEZZAR

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#80
Looks to me like it was ~$160. This whole bill a thousand while agreeing to really take $100 from patients with insurance is the real scam. Providers should be required to post conspicuous pricing available for all to see.
I agree with everything you say, except:
Are you looking at post 42 ? Were do you see $160 ??