Home · Maps · About

Home > OTChat

[ Post a New Response | Return to the Index ]

[1 2 3 4 5 6]

 

Page 1 of 6

Next Page >  

(1119878)

view threaded

The end of my Obamacare Saga

Posted by WMATAGMOAGH on Fri Nov 1 08:51:21 2013

fiogf49gjkf0d
As promised, I said I'd offer more details as to how my experience with Obamacare and the ACA went as it progressed.

The story is now over. I opted to keep my current, minimalistic, non-compliant with the new standards insurance for another 12 months (effective 12/1/13), as allowed under the law, and hopefully by the next time I need to use the Maryland Exchange website, it will be working better. I also expect to have better options available to be within the next 12 months, but the details of how that might come to be need not be shared with Subchat at this time.

The reason I wasn't able to create account two weeks ago was solved by removing my middle names from the data form. If the agent I spoke with on the phone suggested that as a solution (I doubt I'm the only one who needed to do that for whatever reason to create a match between my name and SSN), I could have gotten my account set up sooner, even though I didn't use it.

The website was still buggy the last times I tried using it. Emailing plan details never worked, nor did saving my progress where I left off, I always had to start from the beginning each time I logged in.

I hope that the ACA will bring the intended benefits to the population of the US over time, but it is hard to take anyone seriously if they try to convince me the overall initial rollout has been successful (I don't care about specific states that have successful, operational exchanges). They needed to get this right from day one, and they didn't. I don't care whose fault it is/was, I just want the service to be as good as it was promised to be. So far, it hasn't been.

Post a New Response

(1119879)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 09:09:39 2013, in response to The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 08:51:21 2013.

fiogf49gjkf0d
Have you changed your mind about obama?

Post a New Response

(1119882)

view threaded

Re: The end of my Obamacare Saga

Posted by mtk52983 on Fri Nov 1 09:23:38 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 09:09:39 2013.

fiogf49gjkf0d
I cannot speak for Oren, but while I am not fond of Obama, I have liked the candidates put up by the Republicans even less. Last time was so bad in terms of the options, while I voted I chose not to vote for anyone for President (I forget if I wrote in someone I liked better)

Post a New Response

(1119883)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 09:31:44 2013, in response to Re: The end of my Obamacare Saga, posted by mtk52983 on Fri Nov 1 09:23:38 2013.

fiogf49gjkf0d
If it comes down to Hillary vs. Christie in 2016, I'll probably vote 3rd party candidate.

Post a New Response

(1119884)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 09:36:00 2013, in response to The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 08:51:21 2013.

fiogf49gjkf0d
The essential flaw of Obamacare is its scope. The pressing need was to provide health insurance for people who wanted it and couldn't get it. This mostly excludes people with employer insurance, Medicare, Medicaid, some private insurance plans, and some of the state solutions that worked, such as Romneycare and Healthy New York.

This leaves a substantial minority population that needs to be covered. The most straightforward way to provide insurance for the uninsured is to provide insurance for the uninsured. This is what Healthy New York does.

But nooooo, ObamaCare says that everyone has to be part of ObamaCare whether they like their current arrangement or not. That is the essential failure, not a botched website.

Post a New Response

(1119886)

view threaded

Re: The end of my Obamacare Saga

Posted by AlM on Fri Nov 1 09:48:10 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 09:31:44 2013.

fiogf49gjkf0d
Christie will not be the Republican candidate in 2016.


Post a New Response

(1119888)

view threaded

Re: The end of my Obamacare Saga

Posted by WMATAGMOAGH on Fri Nov 1 10:03:43 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 09:09:39 2013.

fiogf49gjkf0d
No, but I've never been his biggest fan to begin with. People forget that fact.

Post a New Response

(1119889)

view threaded

Re: The end of my Obamacare Saga

Posted by WMATAGMOAGH on Fri Nov 1 10:04:49 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 09:36:00 2013.

fiogf49gjkf0d
Insurance systems generally require everyone to be a part of the system for them to work effectively. Your proposal wouldn't work in reality on a large scale.

Post a New Response

(1119892)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 10:13:43 2013, in response to Re: The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 10:04:49 2013.

fiogf49gjkf0d
Nonsense. It has worked in reality.

What you're saying is that it doesn't work for SOME.

Post a New Response

(1119895)

view threaded

Re: The end of my Obamacare Saga

Posted by mtk52983 on Fri Nov 1 10:25:03 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 10:13:43 2013.

fiogf49gjkf0d
The problem with the current system is that the ones who are left out often live in the worst conditions (which leads to an increased risk of disease) or suffer from preexisting conditions that are expensive to treat so no insurance company wants them. This high risk pool would be too costly to provide cheap insurance for unless it is balanced out by a larger number of lower risk individuals (those who are young, healthy, and rarely see doctors)

Post a New Response

(1119898)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 10:28:23 2013, in response to Re: The end of my Obamacare Saga, posted by AlM on Fri Nov 1 09:48:10 2013.

fiogf49gjkf0d
I hope you're right.

Post a New Response

(1119899)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 10:28:23 2013, in response to Re: The end of my Obamacare Saga, posted by AlM on Fri Nov 1 09:48:10 2013.

fiogf49gjkf0d
I hope you're right.

Post a New Response

(1119900)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 10:35:01 2013, in response to Re: The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 10:03:43 2013.

fiogf49gjkf0d
Spending 20 years attending a racist church that preaches hate toward whites, Jews, and America. Tells the state of Israel to go back to it's suicidal borders of 1967. A supporter of that evil anti-semite rashid khalidi. That all means nothing to you?

Post a New Response

(1119901)

view threaded

Re: The end of my Obamacare Saga

Posted by AlM on Fri Nov 1 10:41:22 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 10:13:43 2013.

fiogf49gjkf0d
Google "adverse selection".


Post a New Response

(1119902)

view threaded

Re: The end of my Obamacare Saga

Posted by WMATAGMOAGH on Fri Nov 1 10:42:42 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 10:35:01 2013.

fiogf49gjkf0d
I'm not getting into this again with you. SS!

Post a New Response

(1119903)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 10:49:31 2013, in response to Re: The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 10:03:43 2013.

fiogf49gjkf0d


Post a New Response

(1119904)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 10:52:20 2013, in response to Re: The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 10:42:42 2013.

fiogf49gjkf0d
I did not see the word "never". My fault, and I apologize. But I still stand stand by what I say, that obama is the biggest anti-semetic ever as president.

Post a New Response

(1119909)

view threaded

Re: The end of my Obamacare Saga

Posted by mtk52983 on Fri Nov 1 11:31:03 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 10:52:20 2013.

fiogf49gjkf0d
Jimmy Carter was worse

Post a New Response

(1119911)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 11:37:19 2013, in response to Re: The end of my Obamacare Saga, posted by mtk52983 on Fri Nov 1 11:31:03 2013.

fiogf49gjkf0d
At least Jimmy Carter loves his country.

Post a New Response

(1119913)

view threaded

Re: The end of my Obamacare Saga

Posted by bingbong on Fri Nov 1 11:42:04 2013, in response to The end of my Obamacare Saga, posted by WMATAGMOAGH on Fri Nov 1 08:51:21 2013.

fiogf49gjkf0d
For one, it will be. They are working on getting it fixed as we typo on the Federal and state (as applicable) levels. Surely there will be more choices going forward as this succeeds more insurers will want to get on it.

It took Massachusetts three years to really get their system working well. Funny thing was, never heard any RWers whining about it's Fail when it was happening.

Post a New Response

(1119937)

view threaded

Re: The end of my Obamacare Saga

Posted by Fred G on Fri Nov 1 12:37:13 2013, in response to Re: The end of my Obamacare Saga, posted by mtk52983 on Fri Nov 1 11:31:03 2013.

fiogf49gjkf0d
Milhouse.

your pal,
Fred

Post a New Response

(1119938)

view threaded

Re: The end of my Obamacare Saga

Posted by AEM-7AC #901 on Fri Nov 1 12:37:16 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 09:36:00 2013.

fiogf49gjkf0d
Healthy New York

Healthy New York pretty much told my mom to go away when she informed them that her insurance lapsed due to my father's passing, and her only source of income was Social Security widows benefits. Mind you, my mother is pretty much the unicorn that everybody has been talking about. At 62, she's too young for Medicare, but her income is too high for Medicaid, and she isn't really healthy or skilled* enough for a full-time job that would pay her benefits. Social Security pretty much laughed at her when she wanted to apply for disability, but this is a woman who struggles just to go up five steps in her own home. Obamacare with the subsidies is pretty much the only way that she'll get insurance.

*She has been a homemaker since the 1980s...

Post a New Response

(1119944)

view threaded

Re: The end of my Obamacare Saga

Posted by GP38/R42 Chris on Fri Nov 1 12:58:50 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 09:36:00 2013.

fiogf49gjkf0d
BINGO

Post a New Response

(1119946)

view threaded

Re: The end of my Obamacare Saga

Posted by GP38/R42 Chris on Fri Nov 1 13:00:58 2013, in response to Re: The end of my Obamacare Saga, posted by bingbong on Fri Nov 1 11:42:04 2013.

fiogf49gjkf0d
It took Massachusetts three years to really get their system working well. Funny thing was, never heard any RWers whining about it's Fail when it was happening.

Massachusetts is a STATE system, as it SHOULD BE.

Post a New Response

(1119950)

view threaded

Re: The end of my Obamacare Saga

Posted by ChicagoMotorman on Fri Nov 1 13:09:48 2013, in response to Re: The end of my Obamacare Saga, posted by Fred G on Fri Nov 1 12:37:13 2013.

fiogf49gjkf0d
barack milhouse obama.

Post a New Response

(1119959)

view threaded

Re: The end of my Obamacare Saga

Posted by AlM on Fri Nov 1 13:55:55 2013, in response to Re: The end of my Obamacare Saga, posted by GP38/R42 Chris on Fri Nov 1 12:58:50 2013.

fiogf49gjkf0d
Google "adverse selection".


Post a New Response

(1119960)

view threaded

Re: The end of my Obamacare Saga

Posted by LuchAAA on Fri Nov 1 13:59:26 2013, in response to Re: The end of my Obamacare Saga, posted by AlM on Fri Nov 1 13:55:55 2013.

fiogf49gjkf0d
I'm not looking for a fight.

Just saying, you should link when making a point to w1n an argument.

Post a New Response

(1119962)

view threaded

Re: The end of my Obamacare Saga

Posted by Olog-hai on Fri Nov 1 14:15:29 2013, in response to Re: The end of my Obamacare Saga, posted by GP38/R42 Chris on Fri Nov 1 13:00:58 2013.

fiogf49gjkf0d
Nah. Article IV Section 4 of the US Constitution guarantees a "republican form of government" to each state rather than a socialist form.

Post a New Response

(1119968)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 14:59:55 2013, in response to Re: The end of my Obamacare Saga, posted by Olog-hai on Fri Nov 1 14:15:29 2013.

fiogf49gjkf0d
The two are not incompatible.

Post a New Response

(1119970)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 15:00:53 2013, in response to Re: The end of my Obamacare Saga, posted by GP38/R42 Chris on Fri Nov 1 13:00:58 2013.

fiogf49gjkf0d
LOL! You realize that it's all Republican states that opted to use the federal exchange as opposed to implementing their own?

Post a New Response

(1119976)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 15:11:13 2013, in response to Re: The end of my Obamacare Saga, posted by AEM-7AC #901 on Fri Nov 1 12:37:16 2013.

fiogf49gjkf0d
My wife is the same age as your mom and she would be without insurance except that I'm still working. I could get Medicare but that wouldn't cover her.

Point is, the way to insure your mom and my wife (assuming I could no longer get insurance at work) is to have a program to insure "orphan" cases that don't fall under any of the existing ways to be insured, NOT to destroy what exists and force everyone into an entire new system, whether they're satisfied with their current system or not.

People are starting to find out that Obama and the people he hires are not the geniuses they think they are.

Post a New Response

(1119980)

view threaded

Re: The end of my Obamacare Saga

Posted by bingbong on Fri Nov 1 15:19:15 2013, in response to Re: The end of my Obamacare Saga, posted by Olog-hai on Fri Nov 1 14:15:29 2013.

fiogf49gjkf0d
Romneycare is the model from which ACA was derived. It is market based with a public option. There's no socialism involved.

Post a New Response

(1119982)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 15:20:01 2013, in response to Re: The end of my Obamacare Saga, posted by LuchAAA on Fri Nov 1 13:59:26 2013.

fiogf49gjkf0d
Adverse selection is a well-defined word so that it's easy to find it in a Google search. This is different than Selkirk and bingbong's claim that the NYS VTL was adopted after the 1980s and before that traffic laws were local.

Post a New Response

(1119983)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 15:21:41 2013, in response to Re: The end of my Obamacare Saga, posted by Fred G on Fri Nov 1 12:37:13 2013.

fiogf49gjkf0d
IAWTP.

Post a New Response

(1119984)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 15:22:35 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 13:09:48 2013.

fiogf49gjkf0d
Do you even know who "Milhous" [sic] was?

Milhouse Van Houten was named after him.

Post a New Response

(1119985)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 15:24:19 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 10:28:23 2013.

fiogf49gjkf0d
I hope he's wrong. Christie is someone from outside the party's batshit wing. You would probably like it if Rick Santorum were president.

Post a New Response

(1119987)

view threaded

Re: The end of my Obamacare Saga

Posted by mtk52983 on Fri Nov 1 15:27:39 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 15:11:13 2013.

fiogf49gjkf0d
But most of these "orphan" cases have the highest costs which is why insurance companies have not taken them. Unless sufficient amounts of younger, healthier people are included in the pool it would not be economically feasible to cover the "orphan" cases

Post a New Response

(1119991)

view threaded

Re: The end of my Obamacare Saga

Posted by bingbong on Fri Nov 1 15:29:46 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 15:11:13 2013.

fiogf49gjkf0d
That may address coverage for those with pre-existing conditions and those too old to afford coverage but does not address the millions, as we find out,of insufficient and scam insurers out there. Turns out that's a bigger problem than the pre-existing conditions. These policies didn't pay claims, had high recision rates and the policyholder left facing real medical bills ended up in bankruptcy. ACA wasn't about one problem alone.

Post a New Response

(1119994)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 15:36:41 2013, in response to Re: The end of my Obamacare Saga, posted by AlM on Fri Nov 1 13:55:55 2013.

fiogf49gjkf0d
By hitting on adverse selection you're revealing the basic error of Obamacare. And you're begging the question that Obamacare is the right thing to do. Forcing everyone into it to avoid adverse selection suggests that it isn't such a good idea.

My wife and I are at the age (and have been for awhile) where we would be frightened to be without medical insurance. So the answer (if we couldn't provide for it ourselves) is to figure out a way to get insurance for people like us.

I'll tell you what won't work: telling a 20-something that he has to buy insurance he perceives he doesn't need at an inflated price so my 60-something wife can have affordable insurance. It's a non-starter.

Post a New Response

(1119997)

view threaded

Re: The end of my Obamacare Saga

Posted by mtk52983 on Fri Nov 1 15:39:50 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 15:36:41 2013.

fiogf49gjkf0d
Except there is no possible way of providing your wife with affordable insurance unless there is a system in place that decreases the overall risk of the pool by enrolling younger, healthier people that would pay more in premiums than they receive in services provided

Post a New Response

(1120002)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 15:51:56 2013, in response to Re: The end of my Obamacare Saga, posted by mtk52983 on Fri Nov 1 15:27:39 2013.

fiogf49gjkf0d
You don't need a "pool." The government can figure out a program to cover such cases just as they have programs for dialysis and orphan drugs.

You don't have to mess with everybody's health care to cover a subgroup.


Post a New Response

(1120005)

view threaded

Re: The end of my Obamacare Saga

Posted by AlM on Fri Nov 1 15:55:18 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 15:36:41 2013.

fiogf49gjkf0d
I'll tell you what won't work: telling a 20-something that he has to buy insurance he perceives he doesn't need at an inflated price so my 60-something wife can have affordable insurance. It's a non-starter

The price for the 20-year old isn't inflated. It's real: actual average medical costs plus insurance company overhead.

It just doesn't look real because most 20-year olds have $0 medical costs while a few have humungous costs.

Consider it a tax on the healthy that supports the unfortunate unhealthy and be done with it.



Post a New Response

(1120008)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 15:57:10 2013, in response to Re: The end of my Obamacare Saga, posted by mtk52983 on Fri Nov 1 15:39:50 2013.

fiogf49gjkf0d
No, you're wrong. In cases like my wife they could extend Medicare to unusual cases rather than up-end the economy.


Post a New Response

(1120014)

view threaded

Re: The end of my Obamacare Saga

Posted by mtk52983 on Fri Nov 1 16:11:38 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 15:51:56 2013.

fiogf49gjkf0d
I can just imagine the outcries over "socialized medicine" if it is government sponsored versus the private sector like under PPACA. Where is the money going to come from for these healthcare programs? The Republicans are not going to pass an extension of Medicare to cover this and it would further burden the program because you are dealing with a high risk pool (low income or older demographic)

Post a New Response

(1120016)

view threaded

Re: The end of my Obamacare Saga

Posted by GP38/R42 Chris on Fri Nov 1 16:15:01 2013, in response to Re: The end of my Obamacare Saga, posted by AlM on Fri Nov 1 15:55:18 2013.

fiogf49gjkf0d
Consider it a tax on the healthy that supports the unfortunate unhealthy and be done with it.

And that goes exactly back to his point. Thankds for proving SLRT's post perfectly



Post a New Response

(1120018)

view threaded

Re: The end of my Obamacare Saga

Posted by Newkirk Images on Fri Nov 1 16:17:11 2013, in response to Re: The end of my Obamacare Saga, posted by ChicagoMotorman on Fri Nov 1 09:31:44 2013.

fiogf49gjkf0d
If it comes down to Hillary vs. Christie in 2016, I'll probably vote 3rd party candidate.

I feel it will be Cory Booker vs. Christie in 2016. And they're both from NJ !

Hillary is too old and already was thrown under the bus by the Dems. Booker is young, a smooth talker and looks to be a rising star of the Democratic Party.

That's my three cents.

Bill Newkirk


Post a New Response

(1120020)

view threaded

Re: The end of my Obamacare Saga

Posted by SLRT on Fri Nov 1 16:26:56 2013, in response to Re: The end of my Obamacare Saga, posted by mtk52983 on Fri Nov 1 16:11:38 2013.

fiogf49gjkf0d
It will likely be a "bargain" boondoggle compared to all the money already spent on HUGE vulnerable populations through Medicare and Medicaid.

You act like we haven't had socialized medicine in this country for a half-century. It's one of the reason medical care is 1/6 of the economy.

Post a New Response

(1120024)

view threaded

Re: The end of my Obamacare Saga

Posted by Fred G on Fri Nov 1 16:41:04 2013, in response to Re: The end of my Obamacare Saga, posted by AlM on Fri Nov 1 15:55:18 2013.

fiogf49gjkf0d
Consider it a tax on the healthy that supports the unfortunate unhealthy and be done with it.

Which is what insurance is and the more subscribers you have, the lower the "tax" is for everyone. You need one big pool if you're going to cover all sick people. That's what ACA is attempting to do.

your pal,
Fred

Post a New Response

(1120025)

view threaded

Re: The end of my Obamacare Saga

Posted by Spider-Pig on Fri Nov 1 16:45:02 2013, in response to Re: The end of my Obamacare Saga, posted by GP38/R42 Chris on Fri Nov 1 16:15:01 2013.

fiogf49gjkf0d
And his point is that we need socialized medicine for the problem cases instead of the private-sector kludge that is PPACA.

Post a New Response

(1120026)

view threaded

Re: The end of my Obamacare Saga

Posted by bingbong on Fri Nov 1 16:49:25 2013, in response to Re: The end of my Obamacare Saga, posted by SLRT on Fri Nov 1 15:57:10 2013.

fiogf49gjkf0d
Which is one thing they should have done to begin with. Sen Kennedy's original plan was a phased in Medicare for all. The private sector could convert to offering "Medigap" and supplemental policies over time. Everyone would have basic coverage this way, all the same save for whatever frills they wish to add on.

Post a New Response

[1 2 3 4 5 6]

 

Page 1 of 6

Next Page >  


[ Return to the Message Index ]