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: Mar 11

St. Croix valley

#153 Oct 8, 2013
sheepleloveroyalty wrote:
<quoted text>
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.
In fact, insurance companies often pay a far reduced price for the same services as people without insurance are billed.
Eleanor

Vernon Hills, IL

#154 Oct 8, 2013
barefoot2626 wrote:
<quoted text>
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?
Isn't that what Medicaid is for?

To provide medical services to the poorest?

They would get the necessary treatments under Medicaid.

Since: Mar 11

St. Croix valley

#155 Oct 8, 2013
Eleanor wrote:
<quoted text>
Isn't that what Medicaid is for?
To provide medical services to the poorest?
They would get the necessary treatments under Medicaid.
yes, but we have millions in our nation that do not qualify for medicaid, and still cannot afford insurance.
Eleanor

Vernon Hills, IL

#156 Oct 8, 2013
barefoot2626 wrote:
<quoted text>
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?
If you happen to spend time with people who can't pay their bills, due to 'low income', you would understand that EVEN with subsidized insurance, they still don't have enough to pay the monthly ACA.

It is false to assume that helping people pay 'some' of their insurance costs means that they are going to be able to pay their portion.
Eleanor

Vernon Hills, IL

#157 Oct 8, 2013
woodtick57 wrote:
<quoted text>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.
Did you miss the words 'irregardless of one's ability to pay'?

Obviously, people with assets can pay.
Eleanor

Vernon Hills, IL

#158 Oct 8, 2013
woodtick57 wrote:
<quoted text>yes, but we have millions in our nation that do not qualify for medicaid, and still cannot afford insurance.
Yes, that is true.

Even WITH subsidies, many will be unable to afford insurance.
Canon

Texarkana, TX

#159 Oct 8, 2013
Marine Corp Pat wrote:
Thanks to President Obama and his signature piece Law of the land the Affordable Care Act (OBAMACARE), millions of Americans can now afford Health Insurance, millions with Health Insurance will see their premiums go down (I got a rebate check a few months ago from Humana), and millions of Americans lives will be saved thanks to check ups and prescription drugs that otherwise wouldnÂ’t have happened or been affordable.
I am so happy that patriotic Americans won in 2008 and 2012 by electing Obama in 2 landslides.
HAPPY OBAMACARE DAY!
Landslide?.....NO that what Reagan did! Now THAT was a landslide....a REAL one.
sheepleloveroyal ty

Pottstown, PA

#160 Oct 8, 2013
woodtick57 wrote:
<quoted text>In fact, insurance companies often pay a far reduced price for the same services as people without insurance are billed.
In the past an uninsured patient could get charged more than an insured patient. BUT it was NOT about covering the actual care COST of that patient's procedure. The COSTs, NOT the billing price which are two different things. The COSTS or excessive COSTS are not really being dealt with under the ACA. One of the only things the ACA does is if a provider wants to accept government assistance like Medicare/Medicaid they have to have a discount program for self pay patients.

Some of what the ACA did to/for excessive hospital bills is explained.

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

The ACA aka Obama Care is basically throwing money at a problem that has not been solved yet. Too many are assuming that health care was fairly priced and all you needed was money to fund it. One of the biggest problems right off the bat with ACA is that mandated INSURANCE does not give money to the health CARE industry

Since: Mar 11

St. Croix valley

#161 Oct 8, 2013
sheepleloveroyalty wrote:
<quoted text>
In the past an uninsured patient could get charged more than an insured patient. BUT it was NOT about covering the actual care COST of that patient's procedure. The COSTs, NOT the billing price which are two different things. The COSTS or excessive COSTS are not really being dealt with under the ACA. One of the only things the ACA does is if a provider wants to accept government assistance like Medicare/Medicaid they have to have a discount program for self pay patients.
Some of what the ACA did to/for excessive hospital bills is explained.
http://articles.philly.com/2012-06-11/busines...
The ACA aka Obama Care is basically throwing money at a problem that has not been solved yet. Too many are assuming that health care was fairly priced and all you needed was money to fund it. One of the biggest problems right off the bat with ACA is that mandated INSURANCE does not give money to the health CARE industry
no, the ACA does not contend with rising health care costs, just getting health care insurance to more people and reforming that system.

what is your solution to counter the rising costs of health care?

Since: Mar 11

St. Croix valley

#162 Oct 8, 2013
Eleanor wrote:
<quoted text>
Did you miss the words 'irregardless of one's ability to pay'?
Obviously, people with assets can pay.
no i didn't. it all goes back to your silly statement that people won't buy health insurance because they can get it free in the ERs...

Since: Mar 11

St. Croix valley

#163 Oct 8, 2013
Eleanor wrote:
<quoted text>
Yes, that is true.
Even WITH subsidies, many will be unable to afford insurance.
more correctly, very very few will still be able to afford it that won't fall under medicaid coverage.
Eleanor

Vernon Hills, IL

#164 Oct 8, 2013
woodtick57 wrote:
<quoted text>no i didn't. it all goes back to your silly statement that people won't buy health insurance because they can get it free in the ERs...
Where is the incentive for poor folks to buy health insurance when they KNOW they can call an ambulance and get a free ride AND free treatment in the Emergency Room?(they have not assets to take)

Isn't that part of the problem with escalating hospital costs??

Sure, it would be better if they purchased insurance. And IF they can BUY insurance when they get subsidized, that would be better too.

Time will tell once the numbers come out about how many people sign up and how many people keep their insurance payments current every month.

Since: Mar 11

St. Croix valley

#165 Oct 8, 2013
Eleanor wrote:
<quoted text>
Where is the incentive for poor folks to buy health insurance when they KNOW they can call an ambulance and get a free ride AND free treatment in the Emergency Room?(they have not assets to take)
Isn't that part of the problem with escalating hospital costs??
Sure, it would be better if they purchased insurance. And IF they can BUY insurance when they get subsidized, that would be better too.
Time will tell once the numbers come out about how many people sign up and how many people keep their insurance payments current every month.
as you stated earlier, those poor folks should be covered under medicaid.

do try to keep up with your own posts, dear...
sheepleloveroyal ty

Pottstown, PA

#166 Oct 8, 2013
woodtick57 wrote:
<quoted text>no, the ACA does not contend with rising health care costs, just getting health care insurance to more people and reforming that system.
what is your solution to counter the rising costs of health care?
First is make the ACA or Obama Care an option. If you can't find cheap insurance or cannot self pay at least the option is there for lower cost insurance.

Second is full and honest disclosure from a hospital or straight forward billing. None of this jacking the Tylenol to pay for something else. If something like labor or the equipment is too pricey that's what you fix, not gouging something or someone else.

You don't want to tell a private a business how to price but there are already existing laws against price gouging and price fixing that should be enforced.

And last but not least since the ACA is the seed or a backdoor to socialized medicine go all the way and offer clinic style medicine as an option. That means if you have to wait you wait. Not saying with hold the actual treatment but appointments should be a luxury. If they dispense generic so be it, you want name brand you pay for it unless it's medically warranted. The doctors and specialist would have to accept the idea of being salaried or hourly at least it would be an option for the patients and doctors if they don't want a practice.

You start pulling the gravy train of insurance money from a chunk of the provider sector and premium money from the insurance companies and things will change.

I just options and choices and not mandates that will affect my personal finances without even being sick.

Since: Mar 11

St. Croix valley

#167 Oct 8, 2013
sheepleloveroyalty wrote:
<quoted text>
First is make the ACA or Obama Care an option. If you can't find cheap insurance or cannot self pay at least the option is there for lower cost insurance.
Second is full and honest disclosure from a hospital or straight forward billing. None of this jacking the Tylenol to pay for something else. If something like labor or the equipment is too pricey that's what you fix, not gouging something or someone else.
You don't want to tell a private a business how to price but there are already existing laws against price gouging and price fixing that should be enforced.
And last but not least since the ACA is the seed or a backdoor to socialized medicine go all the way and offer clinic style medicine as an option. That means if you have to wait you wait. Not saying with hold the actual treatment but appointments should be a luxury. If they dispense generic so be it, you want name brand you pay for it unless it's medically warranted. The doctors and specialist would have to accept the idea of being salaried or hourly at least it would be an option for the patients and doctors if they don't want a practice.
You start pulling the gravy train of insurance money from a chunk of the provider sector and premium money from the insurance companies and things will change.
I just options and choices and not mandates that will affect my personal finances without even being sick.
I don't see how any of these would lower the cost of health care services...
sheepleloveroyal ty

Pottstown, PA

#168 Oct 8, 2013
woodtick57 wrote:
<quoted text>I don't see how any of these would lower the cost of health care services...
Choices/options will help the free market. Full disclosure and honest/straight forward billing would cut down on exploitive billing & pricing practices along with identifying the actual COST issues.
Eleanor

Vernon Hills, IL

#169 Oct 8, 2013
woodtick57 wrote:
<quoted text>as you stated earlier, those poor folks should be covered under medicaid.
do try to keep up with your own posts, dear...
The people covered by Medicaid are probably not the ones jamming into the emergency room.

“have seen the years,”

Since: Mar 10

and the slow parade of fears"

#170 Oct 8, 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...
"lest you look so foolish again..."
No help for that other than keeping her hands in her lap. Every word she types shows her ignorance of the facts. Opening her mouth even though she is ignorant of the facts is what makes her a fool. Can't fix stupid.

Since: Mar 11

St. Croix valley

#171 Oct 8, 2013
Eleanor wrote:
<quoted text>
The people covered by Medicaid are probably not the ones jamming into the emergency room.
so who are those people?

Since: Feb 11

Location hidden

#172 Oct 8, 2013
sheepleloveroyalty wrote:
<quoted text>
First is make the ACA
Let's make all laws optional.

All you need is a minority vote.

First you need to stop holding up the clean CR.

Boner has already admitted he agreed to pass a clean CR and then he changed his mind.

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