Let's just say he is low income & he said he lives paycheck to paycheck but there lots of people in Wi northwoods at the poverty level just no good paying jobs here.
AHA Discussions Go On & On.......
- Thread starter whitedust
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Let's just say he is low income & he said he lives paycheck to paycheck but there lots of people in Wi northwoods at the poverty level just no good paying jobs here.
And who exactly is the government (theoretically, anyhow)?
Sorry, just got home. My point was this, if someone could not afford insurance before, what makes the government think they can afford it now? 5k, 10k deductibles, they still will not be able afford the actual healthcare. That is why I get pissed when it is called the affordable care act, call it what it is, the affordable premium act.
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People who cannot afford health insurance sure in the **** can't afford a fancy pick up, a sled, a cabin or a boat. These people live check to check, they are lucky to keep their 15 year old car running. If someone does have all the above and they do not have health insurance, then they seriously need to quit worrying about keeping up with the neighbors.
And those people that can't afford it get subsidized by the government. The government will actually make the premium payments for low income people.
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Fine, but then who pays their $5,000-$10,000+ deductible? LOL That's the point.
So the government (you and I) will pay the low premium for them, ok, fine, but they still can't afford the actual health care. Someone with a 10k deductible, and breaks his arm, still ends up paying a 4k bill. So where does the low income person get that money?
I don't know the specifics of the policies but if a person cannot afford a policy, it gets subsidized and becomes a 10K deductible (catastrophic) policy. Those policies basically put the max you will pay (10K) but its better than having a $100,000 bill which is pretty easy to get to these days and the hospital knowing they wont get any money out of the person. I would assume that a health care facility would like the idea of this by understanding they will get 90% of the money instead of $0, Maybe I am wrong.
This is the part they are not explaining thoroughly. This insurance is just that, CATASTROPHIC coverage, so someone who gets in a horrific accident, cancer, or some other expensive life debilitating disease can continue to be taken care of by all us tax payers, only this way, it looks like insurance for the gov't. And that patient is on the hook for only $10k of it. This is the only way they can offer rates as low as they are.
Again, the key to all this, is getting the indestructable 20 something to buy the insurance to fund the payouts. If they don't, it is a fiscal FAIL.
Think of social security, who is funding the payouts of that now, and where is the money for that coming from?
I think that view is caused by the very high deductibles. Flu,colds, bumps & bruises are out of pocket & most try to avoid high cost tests as just don't have the $5k to spend. Really doctor can't do much for ya without expensive tests I get it can't bump & thump on me say I know what is wrong. In northen WI hospitals are ERs & fly you to Wausau for complex stuff. The hospital layoffs have been huge in the WI northwoods people just not using them too expensive.
I was just assuming that based upon high deductible, I did state that I didn't know the specifics. I could have been wrong.
Quote xcr440 "This insurance is just that, CATASTROPHIC coverage, so someone who gets in a horrific accident, cancer, or some other expensive life debilitating disease can continue to be taken care of by all us tax payers, only this way, it looks like insurance for the gov't. And that patient is on the hook for only $10k of it."
The tax payers would only be on the hook for the subsidized part of the premium, the private insurance would be responsible for the rest of the cost; at least that it how i understand it.
Actually, I think you have been mislead. The insurance on the exchanges is not government insurance. It is private insurance from places like Humana, Blue Cross, etc. The consumer shops for the insurance plan they want, then determines if they are eligible for a subsidy. This is "regular" insurance, not gov't insurance.
As such, the real cost to the taxpayers is the subsidies and administrative costs, correct?
As best as I can tell, yes.
I guess my question would be; same low income person breaks his arm goes to the hospital with no insurance. Who pays for that bill? WE DO!!!! Through our continuing higher premiums. At the very least if the hospital can recoup some of the cost it would help keep prices down, one would hope anyway. It's not a perfect plan by any means, but I have yet to see an alternative plan by any other political party.......
i know a lot of people with good paying jobs living almost paycheck to paycheck.
the govt assumes that if you have a job you will keep working and paying and paying and that you wont be willing to give up your "quality of life" as you know it but i know of a couple families that are "giving up" and just working to get by.
if you don't have a house, property, job, assets worth much and nothing to loose your health care may be free but for everyone else it is going to cost way more or you will get way less in care
the govt assumes that if you have a job you will keep working and paying and paying and that you wont be willing to give up your "quality of life" as you know it but i know of a couple families that are "giving up" and just working to get by.
if you don't have a house, property, job, assets worth much and nothing to loose your health care may be free but for everyone else it is going to cost way more or you will get way less in care
Just got letter from Athem Blue Cross & they will no longer offer health insurance to the WI northwoods residents but will insure my wife & daughter for 1 more year & increase our costs $1000. I had a feeling something goofy was happening since my doctor had posters all over his office that he will not accept Athem Blue Cross & that was in July. I'm on Medicare with full suplemental not with Athem Blue Cross so I'm in very good shape but now have to get into exchanges for best insurance deal for my younger wife & daughter. CNBC news said gov exchange websites are hoplessly locked maybe 6 weeks if can be fixed at all so Gov offical said use telephone for applications. Anybody know that 800 number my WildBlue internet is going to make it worse for me no hi speed internet available from home. Thanks in advance need some help here.
whitedust
whitedust
I have not heard how much mine is going up yet, buy my co-worker just got word his health insurance is going up 30 percent as of Jan 1st. This is through Dean Care HMO here in south central Wi. That is an increase of 180 a month. I guess we will see after a year of Obamacare if it goes back down, I have a feeling it won't.
Exactly, we do, just like before ACA, that is my point here. ACA does nothing to reduce the actual COSTS of healthcare, it just provides the means for someone to afford a cheap monthly premium.