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The Great ObamaCare Debate, Part 237: Back to Court The Great ObamaCare Debate, Part 237: Back to Court

05-25-2017 , 09:50 PM
Quote:
Originally Posted by golfnutt
I wonder if this is th77 ensure that 1% just don't dictate their beliefs onto everyone else via law.
Like this?
https://twitter.com/thehill/status/867833677346156544

When you're that committed to the lie, might as well go all the way.
05-25-2017 , 10:45 PM
Quote:
Originally Posted by Huehuecoyotl
Seriously, f*ck him. I don't care who died in his family. There were multiple times to put a stop to this and he never took them and voted even without having experts look at it. If he drank the kool-aid from his party then he deserves it
This. He can **** right off with his pity party.
05-26-2017 , 03:17 AM
WTF? Meadows is a leader of the Freedom Caucus. This guy either faked tears or is utterly clueless on the impacts of a bill he helped write.

All along I thought the Freedom Caucus was more evil/greedy for the 1% than just stupid. Maybe they are seriously this incompetent?
05-26-2017 , 03:34 AM
Embrace the power of and
05-26-2017 , 08:06 AM
Americans are awfully wedded to the idea that only those who are gainfully employed should be allowed to go to a doctor. It wouldn't be too hard to find a few such people to run for congress.
05-26-2017 , 08:10 AM
Assuming congressional republicans know anything about policy means you haven't been paying attention.
05-26-2017 , 03:21 PM
Quote:
Originally Posted by Onlydo2days
Lindsey Graham‏Verified account @LindseyGrahamSC 2h2 hours ago
More
After Obamacare collapses, we should challenge Democrats to work with us to fix the mess they created.


lol
Hopefully LG dies of organ failure before this alleged falling apart of the ACA hapens.
05-26-2017 , 03:29 PM
Quote:
Originally Posted by stinkubus
Americans are awfully wedded to the idea that only those who are gainfully employed should be allowed to go to a doctor. It wouldn't be too hard to find a few such people to run for congress.
Yeah born completely out of companies competing for employees in the 50/60/70s and most can't divest themselves of that. It would be like co,ponies like google offering their employees a wide selection of food choices and then thirty years later the only restaurants that existed were company cafeterias and you had to work there to eat there.
05-26-2017 , 10:37 PM
Thought employer health care was due to WWII era wage caps? There was a great New Yorker article about it several years ago
05-27-2017 , 02:17 AM
Yes, fringe benefits are how employers circumvented those caps once the war economy took off. Too many of the able bodied men were off fighting, and it took a little more to get Rosie the Riverter to actually show up and do that.
05-28-2017 , 12:32 PM
Finally found a PCP accepting new patients. Just got the paperwork and they are asking not only for my own SSN (which I don't want to give but might depending) but every member of my households SSN, which is not happening.

For the doctors participating in this thread, why would a doctor possibly need my wife and daughters SSNs?

The also have 48 hour payment terms with a $10 late fee, which seems rather aggressive since I won't know what I owe until they submit the claim to insurance, insurance tells them what they can charge me, and then they submit the bill to me - presumably by mail. Which means I'm supposed to react and pay basically the same day I receive the bill or else pay a late fee?
05-28-2017 , 12:58 PM
Quote:
Originally Posted by stinkubus
Americans are awfully wedded to the idea that only those who are gainfully employed should be allowed to go to a doctor. It wouldn't be too hard to find a few such people to run for congress.
I think its more that people with employer provided insurance are highly resistant to giving it up, despite all of the obvious problems with it.
05-28-2017 , 01:26 PM
Quote:
Originally Posted by ecriture d'adulte
I think its more that people with employer provided insurance are highly resistant to giving it up, despite all of the obvious problems with it.
And those greedy ass working class, poor people, clinging to their Medicaid for dear life. Why they can't make the sacrifice so underprivileged millionaires can have slightly more spending money is unfathomable.

^ May 28, 2017: I wish I was making an exaggerated joke instead of mocking reality.
05-28-2017 , 03:17 PM
Quote:
Originally Posted by Jbrochu
Finally found a PCP accepting new patients. Just got the paperwork and they are asking not only for my own SSN (which I don't want to give but might depending) but every member of my households SSN, which is not happening.

For the doctors participating in this thread, why would a doctor possibly need my wife and daughters SSNs?
This seems a little tin-foily.
Quote:
The also have 48 hour payment terms with a $10 late fee, which seems rather aggressive since I won't know what I owe until they submit the claim to insurance, insurance tells them what they can charge me, and then they submit the bill to me - presumably by mail. Which means I'm supposed to react and pay basically the same day I receive the bill or else pay a late fee?
My experience is that I go for service, the practice estimates how much insurance will cover, and I'm responsible for the balance. (So being responsible for that immediately sounds reasonable.) Then, if there's some mis-estimation for how much insurance covers, I get billed for the balance. My guess is that this is similar.

(Not a doctor.)
05-28-2017 , 03:28 PM
Quote:
Originally Posted by spidercrab
This seems a little tin-foily.
?

Quote:
My experience is that I go for service, the practice estimates how much insurance will cover, and I'm responsible for the balance. (So being responsible for that immediately sounds reasonable.) Then, if there's some mis-estimation for how much insurance covers, I get billed for the balance. My guess is that this is similar.
(Not a doctor.)
I moved to a high deductible plan so I could use an HSA. The insurance company instructs to do the following:

* Do not pay anything at time of visit
* Dr office submits bill to insurance
* Insurance responds with whatever the charge is
* Dr office then sends bill

Insurance company (blue cross MA) says any office in their provider network has agreed to follow this method for billing.
05-28-2017 , 03:39 PM
Quote:
Originally Posted by spidercrab
This seems a little tin-foily.
Quote:
Originally Posted by Jbrochu
?
I'm not sure what your concern is about providing your SS# to the PCP. That's all - seems overly protective of your privacy, considering how much sensitive information the PCP is going to managing.


Quote:
Originally Posted by spidercrab
My experience is that I go for service, the practice estimates how much insurance will cover, and I'm responsible for the balance. (So being responsible for that immediately sounds reasonable.) Then, if there's some mis-estimation for how much insurance covers, I get billed for the balance. My guess is that this is similar.

Quote:
Originally Posted by Jbrochu
I moved to a high deductible plan so I could use an HSA. The insurance company instructs to do the following:

* Do not pay anything at time of visit
* Dr office submits bill to insurance
* Insurance responds with whatever the charge is
* Dr office then sends bill

Insurance company (blue cross MA) says any office in their provider network has agreed to follow this method for billing.
Given what you've described, I agree it seems ridiculous that the bill sent in step #4 would be paid within 48 hours. Maybe I'm overly optimistic, but my guess is that there's some miscommunication in the 48 hour standard, especially for anyone contracting with a network as large as BC.
05-28-2017 , 03:46 PM
Quote:
Originally Posted by spidercrab
I'm not sure what your concern is about providing your SS# to the PCP. That's all - seems overly protective of your privacy, considering how much sensitive information the PCP is going to managing.
I think SSN can be much more damaging if hacked than whatever files they have on my medical stuff, for the most part.

But anyway, asking for my SSN is one thing. Why do they need or want the SSN of all my household members?

And yes, I'll ask them. But I was curious what some of the doctors that occasionally post ITT thought about it.
05-28-2017 , 04:56 PM
Quote:
Originally Posted by Jbrochu
Finally found a PCP accepting new patients. Just got the paperwork and they are asking not only for my own SSN (which I don't want to give but might depending) but every member of my households SSN, which is not happening.

For the doctors participating in this thread, why would a doctor possibly need my wife and daughters SSNs?
They don't need it--leave this blank.


Quote:
Originally Posted by Jbrochu
The also have 48 hour payment terms with a $10 late fee, which seems rather aggressive since I won't know what I owe until they submit the claim to insurance, insurance tells them what they can charge me, and then they submit the bill to me - presumably by mail. Which means I'm supposed to react and pay basically the same day I receive the bill or else pay a late fee?
In my experience as a patient with a high deductible plan, I have never had a health care office due anything but bill my insurance and then send me a bill, unless if was for a planned surgery, in which case we set up a payment plan before the surgery based upon the anticipated costs.

I see the "48 hour payment terms with a $10 late fee" as something they include to encourage people with known copay amounts to pay this copay at the time of the visit. It's hard to imagine that any reputable family care practice is going to try to nickle and dime you with dubious fees when the amount you owe can't be known at the time of the visit.
05-31-2017 , 05:53 PM
Decent article on Vox examining how Fox News has covered the CBO analysis by disorienting their viewers:
https://www.vox.com/policy-and-polit...3-million-ahca
05-31-2017 , 06:25 PM
Quote:
Originally Posted by wj94
https://aspe.hhs.gov/system/files/pd...iumChanges.pdf





You also get a garbage HMO provider network for your 200% premium increase. Pretty soon health insurance will cost $25,000/month so we can all be dying in the streets together.
Please cite rate increases for healthcare before the ACA. Also compare Apple-to-Apple plans you silly shill.

It sucks your livelyhood of selling worthless policies to healthy people ended but truly nobody cares.
06-01-2017 , 12:56 PM
Quote:
Originally Posted by wj94
https://aspe.hhs.gov/system/files/pd...iumChanges.pdf





You also get a garbage HMO provider network for your 200% premium increase. Pretty soon health insurance will cost $25,000/month so we can all be dying in the streets together.
Quote:
As I noted at the time, while this was likely to be fairly accurate when taken out of context, it didn't mean nearly as much as it appeared because:

Premiums are almost always going to go up somewhat on average due to simple inflation and an aging population if nothing else (that is, even assuming 4% per year on average, rates would have still gone up at least 17% over 4 years absent any other factors); but more importantly...

It's nearly impossible to compare apples to apples since pre-ACA policies were often "mini-meds" or "junk plans" which barely covered anything...and even the "full" major medical policies often didn't cover mental health, maternity/prenatal care and so forth; and finally...

That "105% average increase" didn't include ACA tax credits, which apply to roughly 50% of the individual market. Seeing how tax credits to help pay for premiums is a core tenet of the ACA (one of the legs of the 3-legged stool) as well as in the GOP's own replacement bill, it's absurd to measure the "average premium cost" without taking those credits into account.

The following day, I decided to tackle this third point, running a full analysis of the average APTC assistance provided to individual market enrollees in all 39 states covered by the ASPE report. Lo and behold, I confirmed that when you include APTC assistance in the 2017 premiums for half the individual market, instead of them jumping by 105%, they've actually only gone up around 22%:
http://acasignups.net/17/06/01/aspes...mportant-point
06-01-2017 , 08:12 PM
Quote:
Originally Posted by Huehuecoyotl
That "105% average increase" didn't include ACA tax credits, which apply to roughly 50% of the individual market. Seeing how tax credits to help pay for premiums is a core tenet of the ACA (one of the legs of the 3-legged stool) as well as in the GOP's own replacement bill, it's absurd to measure the "average premium cost" without taking those credits into account.

The following day, I decided to tackle this third point, running a full analysis of the average APTC assistance provided to individual market enrollees in all 39 states covered by the ASPE report. Lo and behold, I confirmed that when you include APTC assistance in the 2017 premiums for half the individual market, instead of them jumping by 105%, they've actually only gone up around 22%:
I view this completely different. Why should I care about the subsidy? Those bills still have to be paid somehow. How the ACA is affecting the cost curve matters. If costs are accelerating under the ACA irrespective of the subsidies, that's a big deal and I would think we would want to know that. Likewise, if it actually bent the cost curve, that would be a big deal and we'd want to push further in that direction.
06-01-2017 , 11:47 PM
Found the person that didn't read the article
06-02-2017 , 01:07 PM
Quote:
Originally Posted by Our House
And those greedy ass working class, poor people, clinging to their Medicaid for dear life. Why they can't make the sacrifice so underprivileged millionaires can have slightly more spending money is unfathomable.

^ May 28, 2017: I wish I was making an exaggerated joke instead of mocking reality.

I was talking about a different group. Somewhere around 100k household income, so health insurance is a fairly high portion of their income. They are happy with the level of care they receive and are very resistant to getting rid of employer provided healthcare. They are prob a bigger problem than millionaires in making changes to healthcare but its not politically viable for the left to demonize middle class people on economic issues so they get a complete pass
06-02-2017 , 07:44 PM
Quote:
Originally Posted by ecriture d'adulte
I was talking about a different group. Somewhere around 100k household income, so health insurance is a fairly high portion of their income. They are happy with the level of care they receive and are very resistant to getting rid of employer provided healthcare. They are prob a bigger problem than millionaires in making changes to healthcare but its not politically viable for the left to demonize middle class people on economic issues so they get a complete pass
I think this is true. Decoupling healthcare from employment is just a no go for either party.

Most economists say that this is part of the solution but I don't know how you would get people on board.

      
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