Health insurance markets open; succes...

Health insurance markets open; success to be seen

There are 173 comments on the Northern Michigan News story from Oct 1, 2013, titled Health insurance markets open; success to be seen. In it, Northern Michigan News reports that:

Millions of Americans will be able to shop for the first time Tuesday on the insurance marketplaces that are at the heart of President Barack Obama's health care reforms, entering a world that is supposed to simplify the mysteries of health coverage but could end up making it even more confusing, at least initially.

Join the discussion below, or Read more at Northern Michigan News.

Since: Feb 11

Location hidden

#131 Oct 7, 2013
Eleanor wrote:
<quoted text>
Health insurance doesn't buy you life.
It does, my dear.

What do you suppose happens if you don't have a check up but you have diabetes and don't know it.

Since: Feb 11

Location hidden

#132 Oct 7, 2013
Eleanor wrote:
<quoted text>
Sorry. I am not familiar with the outcomes of people who use the emergency rooms.
Obviously.

People who are understand the need for health insurance.

Since: Feb 11

Location hidden

#133 Oct 7, 2013
Eleanor wrote:
They WILL have to either come up with the insurance money OR pay a tax/fine for NOT buying it.
Yes...

Is this too hard for you, dear?

They will pay or they won't.

If they can and they won't, they will be fined.
Eleanor

Vernon Hills, IL

#135 Oct 7, 2013
barefoot2626 wrote:
<quoted text>
It does, my dear.
What do you suppose happens if you don't have a check up but you have diabetes and don't know it.
The excessive thirst, nausea and vision problems would probably be the first clue to having untreated diabetes even BEFORE seeing a doctor.
Eleanor

Vernon Hills, IL

#136 Oct 7, 2013
barefoot2626 wrote:
<quoted text>
Obviously.
People who are understand the need for health insurance.
I think it is the other way around.

People who understand the need for health insurance would not be familiar with the seriousness that might result with an untreated illness that was handled in the Emergency Room. How would they know about that, when they have their symptoms treated by their personal physician?

Those who HAVE experienced the seriousness of waiting to go to the emergency room for delayed treatment of a disease, probably don't have insurance.(otherwise why would they wait and rely on such expensive care?)

Since: Mar 11

St. Croix valley

#137 Oct 7, 2013
Eleanor wrote:
<quoted text>
So, if people don't have money NOW to buy insurance (because of housing & transportation needs), where are they going to get the money to BUY Obamacare insurance?
How will they pay for the healthcare NOT covered by the deductible?
They WILL have to either come up with the insurance money OR pay a tax/fine for NOT buying it.
See? you are arguing against a law you do not even understand. this has been clearly explained in the law. why do you not know the answer to this?

perhaps you should learn first, then criticize, lest you look so foolish again...
Eleanor

Vernon Hills, IL

#138 Oct 7, 2013
woodtick57 wrote:
<quoted text>See? you are arguing against a law you do not even understand. this has been clearly explained in the law. why do you not know the answer to this?
perhaps you should learn first, then criticize, lest you look so foolish again...
You and I both understand the law.

Everyone MUST subscribe to a health insurance plan or pay a fee/tax.

Everyone who makes a little money gets a (taxpayer paid) subsidy.

Everyone who makes more gets to pay full price.

All of this ASSUMES that the word "affordable" is true. That's where the rub comes in.

Not all people are foolish enough to believe that Obamacare will be affordable for everyone.

Since: Mar 11

St. Croix valley

#139 Oct 7, 2013
Eleanor wrote:
<quoted text>
You and I both understand the law.
Everyone MUST subscribe to a health insurance plan or pay a fee/tax.
Everyone who makes a little money gets a (taxpayer paid) subsidy.
Everyone who makes more gets to pay full price.
All of this ASSUMES that the word "affordable" is true. That's where the rub comes in.
Not all people are foolish enough to believe that Obamacare will be affordable for everyone.
no, you just proved the first sentence of that post wrong...you do not understand it.

this is probably why you sound so foolish on this subject.

try going back to telling us how people don't get health insurance cuz they get it free at the ER...sheesh!

(try parroting smarter people, it might be easier for you...)

Since: Mar 11

St. Croix valley

#141 Oct 7, 2013
isodora coobar wrote:
I'm one of those who is waiting to see how this plays out, I have insurance but worry that this is not
a good thing.
Our hospital is not under the Obama plan, so those people will be paying a high co,-pay. The next
hospital is 24 miles away that they can use.
Not a good thing if you don't have transport.
I think this is going to be an extra burden on our poor, in fact I know it will be.
Guess we'll just wait and see
what do you mean your hospital isn't under the 'Obama plan'? there is no Obama plan...

seems you are also one of those who do not understand what the ACA entails...
sheepleloveroyal ty

Pottstown, PA

#142 Oct 7, 2013
woodtick57 wrote:
<quoted text>no, you just proved the first sentence of that post wrong...you do not understand it.
this is probably why you sound so foolish on this subject.
try going back to telling us how people don't get health insurance cuz they get it free at the ER...sheesh!
(try parroting smarter people, it might be easier for you...)
Unless you are an ILLEGAL IMMIGRANT working off book with fraudulent documents or have zero of intention of going mainstream the uninsured US citizen pays for an uninsured ER visit with a trashed credit rating, bankruptcy or high credit card debt. ERs or providers get get reimbursed at a Medicaid rate or get a tax write off.

ER visit OR uninsured provider visit don't cost as much as one is led to believe. First unless EMERGENCY care IS required they do NOT have to treat you.

http://www.cnn.com/2012/05/07/opinion/carroll...

Second is many uninsured patient account for a small percentage of unpaid bills. There could be providers where they are actually losing money from unpaid bills but uninsured are not necessarily the main culprit. For example this provider Vanguard Health Systems the uninsured only account for 20% of the unpaid bills.

http://www.sec.gov/Archives/edgar/data/104582... PAGE 80

In this case Managed Care patients were the biggest dead beats.

This will not be "affordable" CARE. Maybe down the road it will be "affordable" INSURANCE but after the policy is used and CARE is given and billed it will not be affordable.

Since: Feb 11

Location hidden

#143 Oct 7, 2013
Eleanor wrote:
<quoted text>
The excessive thirst, nausea and vision problems would probably be the first clue to having untreated diabetes even BEFORE seeing a doctor.
You've been watching too much House, Shug.

One in four don't know they have it, and those that do know because they have a doctor or a health plan and were tested for it, or arrived in the hospital in diabetic shock.

It's pretty sad, MuffinTop: you seem to be a wealth of disinformation.

Thirsty, you say?

Very sad.

Since: Feb 11

Location hidden

#144 Oct 7, 2013
Eleanor wrote:
People who understand the need for health insurance would not be familiar with the seriousness that might result with an untreated illness that was handled in the Emergency Room.
You have always had someone pick up your tab.

But you want to keep millions of others from having health care.

You insist they should wait until they are critical.

To have a stroke from untreated hypertension.

To force a child to go a couple days before getting X-ray for a broken wrist or leg.

Or they decide when they are thirsty... they are too thirsty and self-diagnose it as diabetes.

Since: Feb 11

Location hidden

#145 Oct 7, 2013
Eleanor wrote:
Not all people are foolish enough to believe that Obamacare will be affordable for everyone.
No one is pretending health care is individually affordable for everyone.

There are people who cannot afford rent.

Do you want to allow them to get treatment for drugs?

If they are sleeping out in car, should they get treatment for pneumonia?

Since: Feb 11

Location hidden

#146 Oct 7, 2013
Eleanor wrote:
<quoted text>
So, if people don't have money NOW to buy insurance (because of housing & transportation needs), where are they going to get the money to BUY Obamacare insurance?
If they don't have enough to pay the monthly ACA premiums, they will be subsidized.

Does that stick in your craw, Shug?

Putting aside you have always had someone taking care of you?

Since: Feb 11

Location hidden

#147 Oct 7, 2013
sheepleloveroyalty wrote:
ER visit OR uninsured provider visit don't cost as much as one is led to believe.
HAHAHAHAHAHAHAHAAHAHHAAHAH!

WHAT a CROCK OF SH!T!

How 'bout $1,200 average for a minor injury that needs treatment?
sheepleloveroyal ty

Pottstown, PA

#148 Oct 7, 2013
barefoot2626 wrote:
<quoted text>
HAHAHAHAHAHAHAHAAHAHHAAHAH!
WHAT a CROCK OF SH!T!
How 'bout $1,200 average for a minor injury that needs treatment?
Be careful with the numbers the providers toss around for cost. There is the desired fee, the actual cost, A profit or A loss. All of them are different things.

That $1200 number might be closer to $600. I've been told the average ER COST with no specialist or special services is a much lower number. It's when the specialist and special treatment comes in other than stitches, band aids,tylenol and antibiotics. Even X-rays don't add that much. MRI, CAT scan a different story.

Many hospital websites offer discounted self pay services with a 40%-60% reduction on the normally charged fee. If a provider accepts Medicare/Medicaid they have to have discounts for self pay patients. This explains some of the things the ACA did for excessive hospital bills.

http://articles.philly.com/2012-06-11/busines...

The whole problem is that INSURANCE has lead to excessive billing so the true cost of service has yet to be dealt with in many cases. INSURANCE causes inflation.

The only way to truly discount a provider service is to give clinic style with salaried or hourly doctors who don't bill by the patient. This also which means you wait. If you want appointments you pay for the privilege with somekind of service plan or service. This should be an option and non a mandate for the entire country.

To make health CARE more AFFORDABLE you need more honest or strait forward billing which reflects THE COST. That means no more jacking the aspirin or band aids to cover cost elsewhere. How can you make a service more AFFORDABLE when most don't know what's actually driving THE COST.

http://sandiegofreepress.org/2013/03/how-hosp...

http://stopdown.net/med__rudy__ $__rudy__Cal__rudy__disclosure __rudy__wsj.htm

But do not confuse COSTs, the normally billed insurance based price, the desired fee, A loss or A profit. They are all different things. Obama Care is nothing but throwing money at a COST problem that was never properly dealt with.

Since: Feb 11

Location hidden

#149 Oct 7, 2013
sheepleloveroyalty wrote:
<quoted text>
Be careful with the numbers the providers toss around for cost..
When is the last time you've been to the emergency ward, dipsh!t?
sheepleloveroyal ty

Pottstown, PA

#150 Oct 7, 2013
barefoot2626 wrote:
<quoted text>
When is the last time you've been to the emergency ward, dipsh!t?
You can go the physical ER all you want show me THE COST on paper.

I've had to deal very closely with a hospital over the last several years and know people in the finance department. They even promote their self pay services including ER services which they say are based at or near COSTS. It's about a third of an insured billed price. Now COST in your area might be different in different parts of the country.

I'll say it again, do not confuse an insurance based price with the actual costs- not the billed price and not the bills submitted to the insurance companies. One of articles I linked even went over that.
Eleanor

Vernon Hills, IL

#151 Oct 8, 2013
woodtick57 wrote:
<quoted text>no, you just proved the first sentence of that post wrong...you do not understand it.
this is probably why you sound so foolish on this subject.
try going back to telling us how people don't get health insurance cuz they get it free at the ER...sheesh!
(try parroting smarter people, it might be easier for you...)
You really do need to understand the Emergency Treatment & Active Labor Act of 1985.

According to that law, Emergency Rooms MUST provide care IRREGARDLESS of one's ability to pay.

No one is denied treatment whether or not they have insurance.

What people decide to do is their choice. And some really do go without insurance AND do get their care in the Emergency Room.

Obamacare is trying to get people to believe that health INSURANCE is affordable, so they DO PURCHASE health insurance, and stop abusing the emergency system.

Since: Mar 11

St. Croix valley

#152 Oct 8, 2013
Eleanor wrote:
<quoted text>
You really do need to understand the Emergency Treatment & Active Labor Act of 1985.
According to that law, Emergency Rooms MUST provide care IRREGARDLESS of one's ability to pay.
No one is denied treatment whether or not they have insurance.
What people decide to do is their choice. And some really do go without insurance AND do get their care in the Emergency Room.
Obamacare is trying to get people to believe that health INSURANCE is affordable, so they DO PURCHASE health insurance, and stop abusing the emergency system.
No, as i clearly pointed out to you, they can still bill those people for that care, so if you have a house or a car or other assets they, or the collection agency they sell the debt to can take those.

no where in that bill does it say the hospitals have to provide that care for free to those who can pay for it one way or another...

face it, dear, you really do not know what you are talking about on a myriad of levels on this issue.

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