Obamacare

[Guest]

In MY opinion we "Medicare" patients should try to get "medical issues" taken care of and try to get into good physical shape BEFORE Obamacare goes into effect!

[Guest]

Obamacare, Thank You... About time.............

[Guest]

Obamacare, Thank You... About time.............

But he said he wouldn't raise taxes on the middle class.

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But he said he wouldn't raise taxes on the middle class.

If it is repealed, who do you think will pay for all those uninsured people? Who by the way would go back to the ER's for all their health care needs......very costly. THAT would be like a tax increase on the middle class

[Guest]

If it is repealed, who do you think will pay for all those uninsured people? Who by the way would go back to the ER's for all their health care needs......very costly. THAT would be like a tax increase on the middle class

You got that right Bogie!

[Guest]

In MY opinion we "Medicare" patients should try to get "medical issues" taken care of and try to get into good physical shape BEFORE Obamacare goes into effect!

Is this what it takes for people to take notice and get into good physical shape? I've been getting ready for my old age all of my life! I'm ready for anything that comes along.

For the rest of you: Don't forget to get those cataracts removed, knees replaced, hearing aids, eye glasses, Gallbladder removed, new heart valve, by pass surgery and frontal lobotomy. :icon_wink:

[Guest]

Doing the right thing. Everyone should have health care. Its not about money,its about caring people. Thank You Obama.2nd term looks pretty good.

[Guest]

Today is a big day for America, right up there with passing Social Security and Medicare. We should be very proud of the SCOTUS, POTUS and congress for getting this done. People have been trying to get this done since Franklin Roosevelt was president.

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This board is rife with vitriolic objections to the Supreme Court decision and derision for the "tax" that Obamacare will assess on the American people.

But the same people are so agitated about today's decision repeatedly squawked that 50% of the people pay no taxes, and that's just not right...that's wealth redistribution.

OK, the tax for ObamaCare will fall mostly on those who choose not to have health insurance or who can't afford it. That would be mostly those same people who don't pay income taxes. So now a tax will be levied on them to pay for healthcare as the result of ObamaCare. But's that's awful too.

I'm sorry, but I just don't understand.

[Guest]

This board is rife with vitriolic objections to the Supreme Court decision and derision for the "tax" that Obamacare will assess on the American people.

But the same people are so agitated about today's decision repeatedly squawked that 50% of the people pay no taxes, and that's just not right...that's wealth redistribution.

OK, the tax for ObamaCare will fall mostly on those who choose not to have health insurance or who can't afford it. That would be mostly those same people who don't pay income taxes. So now a tax will be levied on them to pay for healthcare as the result of ObamaCare. But's that's awful too.

I'm sorry, but I just don't understand.

Why are they agitated VK? Because Limbaugh and Hannity told them they should be.

[Guest]

Why are they agitated VK? Because Limbaugh and Hannity told them they should be.

From what I read in today's newspaper, Limbaugh declared it "nothing more than the largest tax increase in the history of the world". For this he got a 'pants on fire'.

[Guest]

I honestly believe Limbaugh doesn't care. He just sees $ signs when he can incite his followers. :ohdear:

[Guest]

Don't forget all the other taxes in Obamacare. Such as taxes on Dividends, Interestand Capital Gains. Along with sales tax on sale of a house. We get so little Interest and Dividends now and now we will have to pay, I think, 1.3% tax on them, what is left to live on. How can someone sell a house to buy another one when a similiar tax is placed on proceeds of sale of their house, not the profit. There are taxes on durable medical devices. And more. As Pelosi said, "We have to pass the bill to see what is in it".

As for Medicare, it is going broke.

[Guest]

A question for all who so vehemently oppose the AHA. How many of you are uninsured and/or uninsurable due to pre-existing conditions?

[Guest]

A question for all who so vehemently oppose the AHA. How many of you are uninsured and/or uninsurable due to pre-existing conditions?

Does not apply to me, but with all due respect that is an unfair question because I have not heard many, IF ANY, posters or anyone oppose those two parts of the law, so you are choosing two items that will get you your desired results so that it then will justify this law....THEY ALONE DO NOT.....the law was supposed to be about COSTS, which it does no address....TORT REFORM which it does not address.

Sorry for interrupting but one of those polls where the question leads the respondent only in my opinion.

[Guest]

Does not apply to me, but with all due respect that is an unfair question because I have not heard many, IF ANY, posters or anyone oppose those two parts of the law, so you are choosing two items that will get you your desired results so that it then will justify this law....THEY ALONE DO NOT.....the law was supposed to be about COSTS, which it does no address....TORT REFORM which it does not address.

Sorry for interrupting but one of those polls where the question leads the respondent only in my opinion.

As I have said before, the law, when fully implemented, will produce some unintended consequenses, which will be amended and improved over time. There are many moving parts in the law, and most are not fully understood, and probably won't be until the law actually takes full effect. There are some attempts to contain costs, but I never was aware of that being the primary thrust of the bill. I always saw the primary thrust to be making health care coverage available and affordable for all. Without question the final bill was the culmination of a piece here from dems, a piece there from repubs, and a piece out of the middle from the insurance lobby and special interests in the healthcare community. The "hidden tax" we all pay currently, is the cost of the uninsured recieving "free" healthcare, which is actually paid by the rest of us.

[Guest]

good point Wendy!! Everyone BETTER get in good shape now prior to their Doctors departure and those LONG waiting lists to try to get any medical procedure that may be needed.

[Guest]

good point Wendy!! Everyone BETTER get in good shape now prior to their Doctors departure and those LONG waiting lists to try to get any medical procedure that may be needed.

Ho-hum, this is getting really tiresome reading the same garbage speculation over and over.

The same was said for HMO's. My personal experience with Kaiser Permanente HMO was excellent for 35 years before moving to Florida where they are not available. I had the same doctor for several years, did not have long waits for appointments, low co-pays, no problem seeing a specialist or having a special test or procedure.

You will probably find the Affordable Care Act will be excellent for you.
Doctors will not be changing professions (even though plumbers make more money) and there will NOT be government panels deciding who gets health care and who does not.

[Guest]

As I have said before, the law, when fully implemented, will produce some unintended consequenses, which will be amended and improved over time. There are many moving parts in the law, and most are not fully understood, and probably won't be until the law actually takes full effect. There are some attempts to contain costs, but I never was aware of that being the primary thrust of the bill. I always saw the primary thrust to be making health care coverage available and affordable for all. Without question the final bill was the culmination of a piece here from dems, a piece there from repubs, and a piece out of the middle from the insurance lobby and special interests in the healthcare community. The "hidden tax" we all pay currently, is the cost of the uninsured recieving "free" healthcare, which is actually paid by the rest of us.

I accept all you say and you make good points.

My impression of what the bill was for came from the President...very very loud and very very clear as he was engaged in a primary..in 2008 he said..

"""A mandate means that in some fashion, everybody will be forced to buy health insurance." Instead of going that route, his plan, he said, "emphasizes lowering costs."

He carried this through all the way...to my knowledge he never ammended anything and we did not know that COST was not addressed until the very end.....and also TORT reform...he made quiet a noise about having that as well.

On the bill itself, not sure if the FEDERAL government should or can do what is now going to be expected AND MOST IMPORTANTLY, how in the world will this ever get paid for ?

[Guest]

On the bill itself, not sure if the FEDERAL government should or can do what is now going to be expected AND MOST IMPORTANTLY, how in the world will this ever get paid for ?

Fair questions - We will see some of the answers ASSUMING it ever is fully implemented.

[Guest]

As I have said before, the law, when fully implemented, will produce some unintended consequenses, which will be amended and improved over time. There are many moving parts in the law, and most are not fully understood, and probably won't be until the law actually takes full effect. There are some attempts to contain costs, but I never was aware of that being the primary thrust of the bill. I always saw the primary thrust to be making health care coverage available and affordable for all. Without question the final bill was the culmination of a piece here from dems, a piece there from repubs, and a piece out of the middle from the insurance lobby and special interests in the healthcare community. The "hidden tax" we all pay currently, is the cost of the uninsured recieving "free" healthcare, which is actually paid by the rest of us.

"unintended consequenses" - is that like collateral damage?

"There are many moving parts in the law, and most are not fully understood, and probably won't be until the law actually takes full effect." - i guess nancy pelosi was right!

"Without question the final bill was the culmination of ..." - i thought it was all based on romneycare in ma, no?

"...the cost of the uninsured recieving "free" healthcare..." - does that mean that my state budget will be able to remove the amount budgeted for the uncompensated care fund every year? i bet not. there will ALWAYS be the patient that applies for 'charity care' prices that the fund will have to pay for.

has anyone seen a decrease in their cost for health care since any of the provisions of obamacare took effect? i can respond with a big NO - have only seen my mthly payment increase. and soon i will have to go on medicare if i wish to continue heath ins - and pay for both a and b plans and a medco equivalent of plan d. will be paying scads more and hafta wonder how much less service will be available after medicare funds are drained away by obamacare.

[Guest]

"unintended consequenses" - is that like collateral damage?

"There are many moving parts in the law, and most are not fully understood, and probably won't be until the law actually takes full effect." - i guess nancy pelosi was right!

"Without question the final bill was the culmination of ..." - i thought it was all based on romneycare in ma, no?

"...the cost of the uninsured recieving "free" healthcare..." - does that mean that my state budget will be able to remove the amount budgeted for the uncompensated care fund every year? i bet not. there will ALWAYS be the patient that applies for 'charity care' prices that the fund will have to pay for.

has anyone seen a decrease in their cost for health care since any of the provisions of obamacare took effect? i can respond with a big NO - have only seen my mthly payment increase. and soon i will have to go on medicare if i wish to continue heath ins - and pay for both a and b plans and a medco equivalent of plan d. will be paying scads more and hafta wonder how much less service will be available after medicare funds are drained away by obamacare.

First of all the Affordable Care Act doesn't take effect until 2014, so any increase you see in your health care is the result of your insurance company raising rates and has nothing to do with the ACA. The only aspects of the law that are in effect are the provision that young people under the age of 26 can stay on their parent's insurance plan; and the part that says your insurance company must spend 80% of their proceeds on healthcare and not on CEO pay and other operating costs or refund the difference to customers. That's why many people will be receiving a check in August.

Secondly, there is no charge for anyone to recieve Part A of Medicare. If you elect to participate in Part B, the cost is $99.60 per month. So for less than $100 per month you can have full coverage of Medicare Parts A and B. I'm just guessing that is probably less than what you pay now for private insurance.

If you lived in Florida full time, you could join a Medicare Advantage Plan which would cost you zero, not even the $99.60 per month, and would also pay for prescriptions, eye glasses, dental and health clubs. You can't get any cheaper than free.

[Guest]

First of all the Affordable Care Act doesn't take effect until 2014, so any increase you see in your health care is the result of your insurance company raising rates and has nothing to do with the ACA. The only aspects of the law that are in effect are the provision that young people under the age of 26 can stay on their parent's insurance plan; and the part that says your insurance company must spend 80% of their proceeds on healthcare and not on CEO pay and other operating costs or refund the difference to customers. That's why many people will be receiving a check in August.

Secondly, there is no charge for anyone to recieve Part A of Medicare. If you elect to participate in Part B, the cost is $99.60 per month. So for less than $100 per month you can have full coverage of Medicare Parts A and B. I'm just guessing that is probably less than what you pay now for private insurance.

If you lived in Florida full time, you could join a Medicare Advantage Plan which would cost you zero, not even the $99.60 per month, and would also pay for prescriptions, eye glasses, dental and health clubs. You can't get any cheaper than free.

This poster was informed of these circumstances in an earlier thread in which they alleged the same damages. Apparently they choose to ignore the facts.

[Guest]

First of all the Affordable Care Act doesn't take effect until 2014, so any increase you see in your health care is the result of your insurance company raising rates and has nothing to do with the ACA. The only aspects of the law that are in effect are the provision that young people under the age of 26 can stay on their parent's insurance plan; and the part that says your insurance company must spend 80% of their proceeds on healthcare and not on CEO pay and other operating costs or refund the difference to customers. That's why many people will be receiving a check in August.

Secondly, there is no charge for anyone to recieve Part A of Medicare. If you elect to participate in Part B, the cost is $99.60 per month. So for less than $100 per month you can have full coverage of Medicare Parts A and B. I'm just guessing that is probably less than what you pay now for private insurance.

If you lived in Florida full time, you could join a Medicare Advantage Plan which would cost you zero, not even the $99.60 per month, and would also pay for prescriptions, eye glasses, dental and health clubs. You can't get any cheaper than free.

i hope you're right, janmcn - but i doubt it :(

1] can't become a fl resident
2] have current ins thru employer self-insured plan with an admin services contract with reg ins provider - mthly premium is way under $100 for h/w covg; medicare estimate for single covg is $114/mo i believe. do ya think/know if self-insured employer plans will be offering checks in august? do ya know how i would find out?
3] cost for prescriptions increases under the prescriptio plan i hafta pick up - but cheaper than medicare plan d i think.
4] wonder if nj has a medicare advantage program - will hafta search.
5] personal ins cost and cost of prescriptions both increased in 2010 and again in 2011; haven't gotten a notice re 2012 yet - new budget year kicked on 7/1 - hoping i don't get that notice from div of pensions/benefits!
6] somehow i fear that the tax on investments and sale of a house is among the collateral damage to be feared.

[Guest]

This poster was informed of these circumstances in an earlier thread in which they alleged the same damages. Apparently they choose to ignore the facts.

since you posted about it - again - i figured i would, too - thought i might get better response! ;)

[Guest]

i hope you're right, janmcn - but i doubt it :(

1] can't become a fl resident
2] have current ins thru employer self-insured plan with an admin services contract with reg ins provider - mthly premium is way under $100 for h/w covg; medicare estimate for single covg is $114/mo i believe. do ya think/know if self-insured employer plans will be offering checks in august? do ya know how i would find out?
3] cost for prescriptions increases under the prescriptio plan i hafta pick up - but cheaper than medicare plan d i think.
4] wonder if nj has a medicare advantage program - will hafta search.
5] personal ins cost and cost of prescriptions both increased in 2010 and again in 2011; haven't gotten a notice re 2012 yet - new budget year kicked on 7/1 - hoping i don't get that notice from div of pensions/benefits!
6] somehow i fear that the tax on investments and sale of a house is among the collateral damage to be feared.

My post was based on my knowledge of Florida plans. You can google medicare advantage plans/NJ, but I don't think they would cover you when you're in Florida. Why don't you call your insurance company about the refund?

[Guest]

janmcn - will add the question to my list for the appt i have set up to do my medicare conversion. since i don't have an ins company to call i'll hope the rep from pensions/benefits will know - lol! ;)

[Guest]

janmcn - will add the question to my list for the appt i have set up to do my medicare conversion. since i don't have an ins company to call i'll hope the rep from pensions/benefits will know - lol! ;)

A benefits specialist in the HR dept. should know what your options are. Medicare Advantage programs are often "free", but the copays may ultimately equal more than the premiums for a supplement. You also may not have the access to healthcare options that you would prefer. I had a very good Blue Cross/blue shield plan through my employer prior to retirement. My employer paid 100% of the premiums. I went on medicare A and B 18 months ago, bought a supplement through AARP for about $350/month for wife and I. I paid way less for health care costs, including premiums, in the last 12 months than I did even with my premiums paid, in the 12 months prior to going on medicare plus supplement. Medicare parts A and B, and my supplement pay 100% of our healthcare costs, and we have had some significant expenses, although nothing critical, in the last couple years. My part D drug expenses are about the same as prior to medicare.

[Guest]

ed - thanx for that info. i did find some medicare advantage info on our pensions/benefits website - but i hafta keep flipping to the plan provider's websites to gather info. ugh! also found the premium sheet for the different levels of care - from $0 to $167/mo for a premiere plan! yikes! gotta be sure that the plan will cover me where i happen to be at the time something might happen - we travel alot and often between maine and florida!

so far it looks like medicare a and b with my former covg plan as my supplement along with the employer's 'wrap around' rather than 'donut hole' prescription plan is gonna provide the best covg. am gonna print your post to keep handy as a guide when i am reading stuff.

to stay on topic with the thread, i want to ask the pensions/benefits rep if they have any info or suspicions re potential interactions of their offerings and the aca. probably too much to hope for. but i guess that's what open enrollment periods are for.

thanx again for your post.