A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Whew! He apologized. The people who have lost their (sm)

Posted: Nov 8, 2013

insurance probably feel so much better now. (sarc)

;

My son-in-law got a letter yesterday from his - MT57

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insurance co. dropping him. Not sure what he's going to do.

I'm sorry. This law needs to be repealed - and quickly. - me

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nm

Three people I know have either been dropped or their - rates have gone up SM

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3 times as much with higher deductibles.

It should be but it won't be. We'll see how it plays out. Meanwhile, fewer and fewer people working with higher and higher insurance prices. At some point, Medicaid will go broke because not enough people working to pay into it.

I can predict the usual opposing views.

This is the insurance companies' doing - not the ACA

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We see it in our own policies which are grandfathered, to keep the garbage in. If people are too lazy or too ideologically opposed to this new LAW to even check if they are eligible to buy through the exchanges OR get a subsidy OR apply for Medicaid under its new expansion, don't blame the ACA. It is much better for us poors.

Brava! You're 100% right!! Thank you. NM - Libby

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Of course. They have to do it because of Bozo. - nm

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nm

no, they do not. - sm

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There is nothing that prevents insurance companies from coming into compliance. Nor is there a law on the books that says insurance companies shall always be allowed to make as much money as they care to. Insurance companies are making hay off the backs of the public, and no amount of creative presidential name-calling is going to bring them into check.

You're wasting your time in MT'ing. You could probably (sm) - msg

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get a high paid position in the PR department of the WH. Go for it! Life is short.

This is one problem with using a moniker: The acquisition of personal trolls. - nm

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nm

Yes, your statements couldn't be more true. (nm) - Libby

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What, and give up all the big bucks in medical - Libby

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transcription, along with all those juicy benefits?

You, on the other hand, would have a delightfully successful career working as one of those women who hand out paper towels to every woman that enters a female rest room.

These are the responses I anticipated. I don't - MT57

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blame the insurance companies. They are told they have to cover everything so prices go up. We all knew this would happen.

The law says your plan is grandfathered but if it changes just the slightest way you lose your grandfathered status.

So Obamacare mandates the insurance companies change these policies by mandating that they cover more, that they charge more. It was never going to be possible to keep your plan is the bottom line. The administration knew this, so I blame them.

The subsidies are to cover the difference. - I wish the grandfathering was also disallowed

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You think it's a good policy when you make $30,000 a year if you're lucky and for your insurance you have no copays, deductible seems huge on this salary, and everything applies to it? Again, don't be afraid to find out if you can get better, cheaper coverage. It will hurt your ideology, but it will help your bank balance.

The major point here is it was a lie and the - administration knew it. nm

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x

It is a lie when the insurance companies say - you must pay higher premiums to keep same coverage

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Not true. You can, in almost all cases, pay lower premiums with or without subsidy and get far better coverage. That's the major point as far as I'm concerned.

The insurance companies are bad, bad actors in this scenario. Health care should not have hugely profitable middle men sucking the money out of the system and the word "insurance" is really laughable in the context they have made it. I am not against doctors and nurses making a good living. They actually have skills. The insurance companies are skilled only in making profits and denying coverage and claims. About time they play fair.

He doesn't even know how to tell the truth. He is a - pathological liar. His poor children.

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nm

His supporters don't even care that he lied. They - just try to devalue our opinion because

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we see the problems with government run medicine.

He says something about "people find themselves in this predicament." - (sm)

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They find themselves in it because YOU put them there, you AW.

what's AW? - sm

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We realize some of you are enjoying a honeymoon period, but could we tone down the secret little curse codes?

You know, Obama's a real person, not a pretend demon. - He's also a nice guy who's working

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himself into premature old age trying to leave you better off than when he came in.

As for problems, even if he'd passed the bill he intended to, not one severely downgraded by cooperating with the GOP, it'd still have problems. What enterprise of man doesn't?

90% of the problems with this program, though, are directly related to the fact that we still operate within the for-profit medicine industry. Government-run indeed. Some desperately needed regulation doesn't make it a government system while the insurance companies are still free to set prices.

Long after the computer's fixed, we'll live with the reality that we will STILL pay more for less than people in other advanced countries--which will only be fixed over time against deep-red obstruction. Unless the electorate gives Congress and the presidency to the Dems at one time, most of us here can plan on being charged more than we should for however many years it takes to qualify for real government-run medicine: Medicare.

As for now, WHO do you think are charging too much for policies in some areas but not others, especially in rural areas, where there isn't enough competition to FORCE insurance companies to charge reasonable rates? Clue: It's NOT the government. This should warm the hearts of any who fear the "good old days" of medicine are a thing of the past. They're not.

BTW, the vast majority of THOSE are in red states whose GOP governors declined the Medicare expansion that would have CREATED competition. If you must keep slinging blame, at least throw it at the conservatives in state governments who betray their constituents.

People in states where for-profit medicine has to compete with Medicare are purchasing significantly better coverages and far more often ending up pleased with their new rates.

I agree he is not a pretend demon. - Nuff said.

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nm

The link to the religion board is to the left if - you do care to elaborate. nm

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x

Which part of nuff said do you not understand? - me

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nm

I don't think we realized it was an order - lol. holy cow!

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She didn't say it was an order. - Why the holy cow?

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Nobody is ordering anyone. She just said nuff said. To me that means that is all she is going to say about it. There was no need for the holy cow comment.

I took it as an order too - enough said

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Just because that was all she was going to say does not restrict anyone from responding, and then being reprimanded in a very rude way.

so... if you respond to this post, is it okay for me to ask you what part of "enough said" do you not understand?

I didn't take it as an order - Respond anyway you want

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I have now read her posts a few times. There is no way to even equate that with an order. I also didn't take her post to be rude. She simply asked what part of nuff said don't people understand. In fact I was reading some other posts and there was a liberal poster who asked the same question. What part of that don't you understand. I don't see the same negative responses going after her that I do here.

I really don't care how you respond to a message, so you can write anything you want.

And that is enough said from my part.

Why would someone go to the religion board - to talk about Obama?

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Obama is a politician. Anything about him stays on the political board, not the religion board.

DEMONOLOGY talk belongs on the Faith Board. And "angels," etc. - nm

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OBAMA talk belongs on the political board - He's a politician

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People are allowed to share their opinions of politicians here because this is a political board. She never said he was a demon though, but even if she did it would belong here because it's talking about a politician.

All of us are allowed to share our opinions of politicians here on the political board where it belongs.

I pointed out the religion board but actually agree. - People who believe Satan or one of

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his minions is running our country, as some do, should certainly be able to discuss it on the politics board. If one-and-a-half billion satanic Islamic warriors are plotting to destroy us all any day now, it really should be discussed.

With problems like that, why she'd be chatting on the computer at all is beyond me, though.

I often marvel at what different mental universes some of us occupy. Obama's a well-meaning human being in mine. There is no Satan and no demons, no immortal, superhuman Jews forever plotting to take over the world in mine (when are these incompetents finally going to carry this off, BTW?).

When I think of the world at large I assume its people are pretty much like me. I'd love to visit the Middle East. Damascus alone has had people living in that spot for 9000 years. Incredible! I'd fear bombs, but not demons, and I'd absolutely go tomorrow if the opportunity popped up.

you do know that demons taken on human form - don't you?

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Nobody said he was a demon. I'm not saying he's a demon, but demons do take on human form.

Oh yeah, and he didn't come in trying to make our lives better. He came in for his own agenda.

That's not something one can just know, though, - is it? There's a difference between

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reading about the history of a person's life to try to figure out who he is, which I have done, and not educating oneself at all but choosing to view him as bad because simply one wants to. All the difference in the world. And, of course, reading only items selected to reinforce a preferred notion is not education.

BTW, when people who want to think of themselves as good intend to behave bad toward others, they first villainize or demonize their victim, convincing themselves that they're fully justified in harming the person they wanted to, and that they even sometimes have a duty to attack. This alone is probably responsible for 90% of the evil humans commit.

As for the president, we spend giant fortunes protecting him from people who have been so carried away by malice that they want to kill him (and amazingly often his children while they're at it). Good patriots that they are.

His detractors don't even care that they have - better coverage and pay less

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They just try to devalue our opinion not because we this is govt run medicine (unfortunately, single payer immensely better) but because this is a darned site better than what was there.

No lie - mbmt

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What the insurance companies are doing is a good example of greedy capitalism.

You are so wrong - Shel

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I went to the exchange for insurance for my family - same 80/20 coverage for the great plan that we HAD went from $376/month with a $4500 deductible (family), when to $675/month with a $14,000 deductible. That was the lowest cost plan for the same coverage we had. Are you telling me this is better for my family? We don't qualify for subsidies...so why couldn't I just keep my old plan? It was better and cheaper and we were on the same plan for over 10 years.

I find it hard to believe you don't qualify - for subsidies

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Unless you are really rich, in which case well, welcome to the insurance world the rest of us have been inhabiting for many years now, the one where you pay huge premiums for virtually nothing in return.

I'm sorry, but if you are going to come out with claims you do not qualify for subsidies more information is necessary for me to believe you.

So many people are so ideologically opposed to the ACA I wonder if they even try very hard to find out, would rather just stew in their anger and blame everything on Obama.

I wonder if you have called the ACA directly to see if they could help, or an insurance broker, or even asked the insurance company if there was a plan that costs less you are eligible for. You may find that's the case. Have you done that?

Has it ever occurred to you that maybe some of us don't want - subsidies? We don't want

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to use a system that is fraught with identity theft.

Sure, but at least several thousand dollars saved a - year causes most to become deplorably

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pragmatic--for that one purpose anyway.

In any case, your situation may not be as unusual as it should be. Various reasons will account for it:

1. Like 90% of households you get free-market group insurance your employer shopped for and did its best to save its money on. So you DON'T QUALIFY to shop the marketplaces.

2. You do because you purchased last year's policy yourself, but your income's apparently over $90K per year because you're a family that doesn't qualify for any discounts at all.

3. You sound likely to be in one of many red states that didn't accept the Medicaid expansion, so you aren't among those who get that tremendous benefit (assuming I misunderstood your income level and you would qualify for that).

4. You are in an area where the free market (i.e., insurance companies) doesn't have adequate competition to FORCE rates down to a more reasonable level. Two or three insurance companies that have captured an entire region of people needing insurance do collude in price fixing. They just are very careful about how they do it.

In any case, it sounds like you have been proven "right" as far as your individual situation goes. Congrats. Enjoy. And, hey, with your income, you can well afford to buy free market insurance anyway, right? That's as it should be.

Identity theft, really? - can you elaborate?

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I have not heard about this identity theft. Of course, I never watch Fox News.

I was ready to answer your question, until I - read the last statement. nm

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x

What do you mean you haven't heard of it - I don't believe you

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Since I know you listen/read other sites I know you have heard of it unless you are cut off from all news sources. I don't have TV, I don't read Fox, CNN or MSNBC's websites, and in fact I'm not a big news junkie because I spend 14-16 hours a day working and even *I'VE* heard of it. I think you tried to fit in a jibe about Fox News, but it didn't work.

http://now.msn.com/fake-obamacare-sites-are-identity-theft-threat-trend-micro-warns

http://www.huffingtonpost.com/robert-siciliano/will-obamacare-lead-to-id_b_3828981.html

http://www.forbes.com/sites/realspin/2013/08/25/how-obamacare-makes-theft-of-your-identity-more-likely/

http://www.bankrate.com/finance/insurance/identity-theft-obamacare.aspx

http://www.ijreview.com/2013/10/86316-video-mcafee-warnrs-obamacare-website-enrollees-ripe-for-identity-theft/

http://obamacareidentitytheft.com/

http://ghostpath.com/blog/obamacare-identity-theft/

https://idcuffs.com/blog/obamacare-exchanges-vulnerable-to-hacking-and-identity-theft/

http://www.bing.com/search?q=obamacare+website+identity+theft&qs=n&form=QBLH&pq=obamacare+website+identity+theft&sc=0-0&sp=-1&sk=&cvid=39c47cbad81a4c3eb02c321abce90a07

And if you don't like Bing, there is always Google, though a lot of sites are the same on Google as Bing.

http://chicago.bbb.org/article/fake-affordable-care-act-websites-target-consumers-for-identity-theft-says-better-business-bureau-44323

http://www.humanevents.com/2013/11/04/obamacare-website-hands-out-personal-information-like-halloween-candy/

Free is not "free" anymore.... - MT for 20+

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And just WHO do you think covers these "subsidies?" WE ALL DO!! The taxpayers are getting hit DOUBLY....first we HAVE TO buy this crap insurance and they also have to pay for others' crap insurance through "subsidies." Wake up America! The politicians couldn't care less about the people. Their only concern is reelection....thats it.

Who do you think is covering the cost now - for those who can't afford care?

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WE ALL DO! The taxpayers are now getting a break - unless you are really well off, that is, then you finally might be paying a bit more and rightly so.

This is not crap insurance through the ACA. Previously, the insurance companies were allowed to sell crap insurance, now they are not.

Why anyone would think this is such an affront to their freedom or whatever I cannot comprehend.

You had the freedom NOT to get insurance before, - now if you don't you SM

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will be fined. That's not freedom.

That "freedom" meant if you got sick the rest of us - were forced to pay for you

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How is that freedom exactly? Do you know how low the fines are, do you know you cannot legally be made to pay them should you so wish?

So people don't want subsidies, they're too proud, BUT they have no shame about turning up to the emergency room for their health care? Unbelievable.

I paid cash on my own. I have never EVER taken any assistance. - You should make

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assumptions on what others do.

We used to have an HSA a while - back. no msg

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nm

That might be you, but that is not everyone - who does not want insurance

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I have known people hit with $100,000 bill for an emergency heart problem. Would you be able to pay for that? With all the good intentions of personal responsibility and good savings habits in the world, most would not.

Even with insurance, many people declare bankruptcy because they are not able to pay the bills left when the insurance company shirks its responsibility and puts the cost on you. Limits on out of pocket are the best thing, affordable preventive care is another good thing.

Now you are talking about major medical, - which is originally what

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insurance was for, not doctor's visit and the like.

It will be interesting to see if government insurance will pay for that $100,000 operation for a 75 YO or a hip replacement for an 80 YO with dementia.

Key word is "if" - Unbelievable

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Not everyone "is" going to get sick.

You STILL have that freedom. Plus, the tax? - It's symbolic. It's not even collected.

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You know, by this point in the debate you really should know this. Be careful your enmity toward healthcare reform doesn't cause you to hurt yourself.

It'd be best to check the information sources you know you should for what you need to know to take care of yourself.

Then you can return to your usual information sites for personal satisfaction, just ignoring or excusing whatever statements you know to be...not quite the whole truth and nothing but the truth?

This is all by design on the road to total government control, - AKA single payer. SM

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You know what that means. Ends in "ism"

They own the doctors, total control.

Let's see, Obama's a member of the Illuminati? I don't - actually quite follow it. Weren't they Jewish

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x

Where in her message did she say that? - I'm still searching for that

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nm

Google one world government, obama, etc. - but prepare for an avalanche of nonsense.nm

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x

You mean like the word "patriotism"? (nm) - Libby

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You seem to have an answer for everything - The Sarge

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A lot of people do not qualify for subsidies. It does not mean they are rich. Being rich has nothing to do with it, especially when the politicians who make well over 100K a year are getting a 70% subsidy for their health care, and as each day unfolds we find out more and more information about the intent and purpose of this.

I have been extremely busy and have not come to the board for weeks. Partly because of being busy, partly because of being fed up with the bullying, ridicule, and a lot of posters trying to make others feel as though their opinions do not matter. I see a lot has changed since I've been away (a new moderator), but then again some things don't change (the types of posts and posters).

I have been reading the news all over the country of families and their struggles with the rising cost of health care and what this train wreck is meaning for them. Many of them do not qualify for subsidies, but they are by far "really rich". They are struggling to make ends meet. You also don't know everyone's financial situation. When I checked it out you put in your income and rent, but they don't allow for all the other bills or cost of living when working on subsidies. Most families I know have a lot of debt, or maybe their heating bill goes up a few hundred in the winter like ours does. Your response to this poster is typical liberal talking points almost word for word. If people are into that sort of thing they think nothing of it and don't see how wrong it is. I just am not into that. I have empathy for the hundreds of thousands this is negatively affecting.

So.... in your first paragraph you assume someone is "really rich". You don't know this, and reading her post I can't understand why someone would even think that, unless of course you are trying to say she is lying. Secondly do you think people who have had good plans that are affordable to them and their family deserve "payback" because others have had to pay more money. I hope that's not what you are saying. That's just plain mean. If you are trying to say that everyone should be equal and have to pay the same thing that is just as bad too. Everyone is different. To make everyone equal is a socialists endeavor.

She didn't come out with any "claim". She simply wrote what she will have to pay with the unaffordable care act. I'm reading many of these stories across the country. She isn't the only one and I know from first hand experience it to be true because I have a similar situation. It is not a requirement for any of us to have to prove anything to you or other posters. We write about what is happening to us or our opinions about issues that affect us. Whether or not you want to believe it is your prerogative, but we should not be subjected to posters telling us to provide them more information for them to believe us. That's a new twist to calling someone a liar, and believe me she is not lying.

The U-ACA is not an easy 1-2-3 step. First, the website is full of "holes". Many people cannot sign up and the ones who are signing up cannot be assured that the information they input is in a secure site. Why would anyone even put in their SS#, bank information, and all their personal information into a site that is not secure from hackers.

I am opposed to socialized health care. It's not working out for Canada, Venezuela and the other countries that have it. When you get a letter stating your insurance has been cancelled you are now being moved to a policy that is going to cost you $600 (and up) more a month than what you currently pay are you going to be happy about it? Especially when you find out that you are not going to get better health care and that the quality of health care will decline, you'll still be refused medications, procedures, and now have to go on long waiting lists, etc? But then the people who don't have the money how do you expect them to pay? With what? If you don't have the money you don't have the money. We all don't sit around with hundred dollar bills up our you know what.

Since Obama wanted his name on this so bad who do you suggest we blame? He is the one who pushed it. If he created this to show he doesn't care about our health care then he deserves the blame for that.

A lot of people are very leary about signing up and getting stuck in a government program. Once you are in you cannot get out. People have concerns and their concerns are valid.

But basically it is not our responsibility to have to keep providing proof for any posters here to believe anyone. That is your personal choice. We just get tired of reading the comments from posters trying to make us feel as though our opinions, references, sources, and experiences don't matter if they don't agree with the non-believers.

It is the insurance companies who are doing this - not Obama

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I was just trying to point out that the reason many of us are overjoyed with Obamacare is that the coverage we have been getting has been expensive, substandard and basically in no way comprehensive, so if people are now finding themselves in this awful situation, that is something we are familiar with, so no I am not wishing this to happen to people, but those of us in this situation before through no fault of our own (mainly due to our employer's choice of bad insurance plans) actually find ourselves in a BETTER position!

Please read the article below, kindly linked in another post by *Seriously. It goes into depth about the extent of scams and deception insurance companies are practicing on their local customers, and Humana was fined $65,000 for this practice.

It's not that I don't believe people when they say their premiums go up, but I sense such a resistance to the ACA and I really am not hearing about their experiences finding out if they are eligible for subsidies, that I just am wondering if they would rather not even try and just continue to complain and pay high premiums to the evil insurance companies since they then get to have their beliefs reinforced.

Finally, just because it's a liberal talking point doesn't mean it's not true. Right wing talking points, on the other hand, well...

I would have respected your post better if not for your last line - The Sarge

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So everything a liberal says is the truth and everything a conservative says is not??? I really hope you don't believe that. I do hope you are joking, but even then it's not a really funny joke. I can't even begin to tell you the sinking feeling I get that some are brainwashed to believe that (not saying you, I've got one of my relatives in mind - one you cant have a conversation with ).

If you think OC is the best thing since sliced bread and it will benefit you then I'm happy for you, truly I am. People who want health care should be able to get health care. But at the same time, the people who had good health plans that covered what they needed and they could afford it should not be dragged down to substandard health care.

It's like this. If I want buy myself a nice shirt and tie or pair of jeans at JC Penny where I always do my shopping because the quality is good and it's not that expensive I should be allowed to. I should not be forced to buy a poorly made shirt and tie or jeans at the Salvation Army because other people cannot afford to buy their clothes at JC Penny and therefore everyone needs to be equal. We should all have a choice of where we want to buy our clothes. Same difference.

And I think I would have liked your post better if - Libby

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posters AREN'T required to jump through your hoops in order to get the much coveted "respect" from you!!

I mostly respect the posters here who tell exactly what they think and not those who are "required" and bullied to repeat your mantra, word for word, sentence for sentence, etc.

My favorite posters on this board are those who have the courage and ability to think for themselves and write accordingly, not someone who is seeking "approval" from someone like you. But everytime one of those posters comes to this board, they are attacked by you simply because that poster may not share your positions in straight line formation.

brava - sm

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I just don't see the bullying and ridicule to which she is referring, but frankly, I was afraid to respond.

The Republicans coined the term Obanacare. Obama didn't "want his name - on it so bad." NM

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x

The insurance companies helped write the ACA - you don't think they are profiting from this?

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wow.

It's a mystery why they supported their own - demise. nm

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x

It's not a demise. They are standing to profit - BIG time from this. No mystery there.

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It's not a mystery. I don't know why people think insurance companies are going to lose because of ACA. I knew a long time ago they would profit. They helped write the ACA and they are profiting from it. Found a few articles on this.

“Essentially, the ACA was designed to write the for-profit health care system into law, increase corporate profits, and to discourage people from demanding a health care system that would actually provide real health care coverage for all. The ACA wasn’t written to fix a broken system – it was written to ensure that the broken system would be kept in place. After all, from the standpoint of the health care industry, the system is working just fine for their profits.”

http://www.globalresearch.ca/insurance-companies-profit-from-obamacare/5356148

http://turiano.wordpress.com/2012/01/13/258/

There are more articles on some alternative news sites, but I won't list them. Even though they write the truth backed up by facts, posters here will scoff at the site or poke fun at the name of it instead of addressing the fact that the information is true. So won't post those articles but many more can be found.

Yup, the GOP wanted to operate within the - for-profit-medicine system, and Obama,

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wanting to make this giant reform bipartisan agreed to do it that way.

Naive wasn't he, to trust there was still enough honor and probity left in the GOP to build a working partnership on?

Naivity is actually believing he cares about our health care - Reality bites

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If he cared he wouldn't screw over half the country, he'd be on the same plan, congress would be on the same plan, etc, etc, etc.

They are playing both sides - why not?

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If they can get all the Obama haters to call it an abomination, they may get to keep gouging. See Boehner has a bill to "allow" people to keep their crappy policies?

If the scales fall from their eyes eventually and people realize this is a much better deal, the insurance companies are still sweet. They are masters of manipulation for $ and they are not even slapped with a wet noodle for taking the gullible for fools.

And then you have - you don't think they are profiting from this?

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the Obama lovers who will accept a failing health care system just because it was proposed by Obama or other crats.

Um, yeah, people should be allowed to keep their policies. My policy was not "crappy". I had a good policy. It worked for us. It was affordable. Now because of this piece of you know what "Unaffordable Care Act" we no longer have a policy that worked well for us.

This new health care thingy is not a better deal for most Americans. They should have come up with an alternative choice. You want something you can get it. You don't want it, you don't have to get it. But no, instead they shove everyone under a socialized health plan. And if people can't even figure the simplest facts then they deserve what they get for being "gullible fools" (your words not mine).

He should call up a broker or the ACA in his state - or go online

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He will most surely find he is eligible for a much better policy ultimately at a lower rate with subsidies. Most of these policies are junk, you know them, right? That's what we as MTs are offered. If you ever had to claim on them you would realize it's the insurance companies that are the ripoff artists here.

To "Hard to believe" - I've checked

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This is not necessarily true. I currently have a plan I am happy with. Via the exchange AND a subsidy, to get the same coverage but with a deductible that this thousands higher than what I have now is going to cost me another $200 a month. I'm a single parent of 2 and while I'm able to pay my bills now, its just barely. I am being royally screwed. As for calling their Helpless Center, that's just a joke. The people manning the phones have ABSOLUTELY NO CLUE.

Many are finding themselves in your situation. Call - and write your state representatives

[ In Reply To ..]
and tell them you are VERY UNHAPPY with what they have not done for you. Why should someone else in your same situation living elsewhere benefit and you not?

I'm really sorry; I wince at all the people who, even secretly, hoped healthcare reform would fix the giant problem that's over time blighting most of our lives. But this current "clusterf" is only happening to some clusters and not others.

Get mad at the right people, and vote your anger.

Apology? His apology is like he hit your car - and leaves a note on windshield

[ In Reply To ..]
stating I am sorry I hit your car by anonymous. Whoopie! :)

Stupid apology! He is just a liar.

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