![]() |
ACA/Obamacare Repeal/Replace Drama - Printable Version +- Cincinnati Bengals Message Board / Forums - Home of Jungle Noise (http://thebengalsboard.com) +-- Forum: Off Topic Forums (http://thebengalsboard.com/Forum-Off-Topic-Forums) +--- Forum: Politics & Religion 2.0 (http://thebengalsboard.com/Forum-Politics-Religion-2-0) +---- Forum: P & R Archive (http://thebengalsboard.com/Forum-P-R-Archive) +---- Thread: ACA/Obamacare Repeal/Replace Drama (/Thread-ACA-Obamacare-Repeal-Replace-Drama) |
RE: ACA/Obamacare Repeal/Replace Drama - GMDino - 03-25-2017 http://www.slate.com/blogs/the_slatest/2017/03/24/trump_says_he_never_promised_to_repeal_obamacare_quickly_a_list_of_times.html?utm_content=inf_10_2641_2&wpsrc=socialedge&tse_id=INF_c92f92c0115511e7af245d7f4020bc76 Quote:Trump Says He Never Promised to Quickly Repeal Obamacare. Here’s a Bunch of Times He Promised Exactly That. RE: ACA/Obamacare Repeal/Replace Drama - fredtoast - 03-25-2017 (03-25-2017, 11:10 AM)GMDino Wrote: http://www.slate.com/blogs/the_slatest/2017/03/24/trump_says_he_never_promised_to_repeal_obamacare_quickly_a_list_of_times.html?utm_content=inf_10_2641_2&wpsrc=socialedge&tse_id=INF_c92f92c0115511e7af245d7f4020bc76 You don't understand how it works with Trump supporters. It does not matter if he tells total and complete lies. They just love that he "speaks from the heart". That is all that matters to them. RE: ACA/Obamacare Repeal/Replace Drama - Dill - 03-25-2017 (03-25-2017, 12:44 AM)NATI BENGALS Wrote: Truly miserable shitbag asshole of a president is horrible for our country. Lets movevon to better and bigger ideas like blowing billions of dollars on a wall while our vital infrastructure crumbles. And come up with some lame ass idea to make Mexico pay for that really increases costs of living for average Americans. The worst is still to come, but there is a silver lining on this shitbag. Over the last two decades, people have complained about Democrats, urged on by wildly irresponsible news sources, and so turned to Republicans to take their country back. They did it in 2000, 2004 and now 2016, each time, predictably, with increasingly disastrous results. Trump will be more difficult to explain away, especially with Republican control of the house and senate. His "base," those who were never able to see or understand the numerous red flags he raised throughout during the campaign, will remain loyal and continue to support his battle against the "Obama deep state" which is unfairly preventing him from winning. It was a win for American people making under $250,000 that the AHCA flopped, but had it passed, the end of Trump and Republican control of Congress might sooner end. When the critical mass needed for regime change is finally reached, it will be a long time before undecideds again have such trouble choosing between competence and outsiders ready to "shake up Washington"; and millions of people who previously didn't vote because "both parties are the same" will now know the difference. If they can't always recognize competence, we can count on them to vote against incompetence. This disaster may not only benefit the Democrats, as Republicans may also begin to vote more responsibly. RE: ACA/Obamacare Repeal/Replace Drama - GMDino - 03-25-2017 http://talkingpointsmemo.com/dc/ahca-republicans-trump-ryan-blame-game Quote:Republicans Point Fingers As Health Care Bill Goes Down In Flames RE: ACA/Obamacare Repeal/Replace Drama - JustWinBaby - 03-25-2017 (03-25-2017, 02:52 AM)oncemoreuntothejimbreech Wrote: The price discrimination works in the opposite direction you claimed and HSAs have zero affect on costs, so your "major transformation" amounts to less than spitting in the ocean. I didn't say HSAs would reduce costs, I said it would reduce what you pay. This is basic risk management - you build up a "rainy day" fund, and that allows you to take higher deductibles (and lower premiums) because you have a cushion. Put another way, I'm talking about the concept of being overinsured. Insurance companies make most of their money on the float from your "unsused" premiums. Over, say, 20 years without significant claims (say when you're younger) you could have set aside tens of thousands of dollars in your own HSA that would be generating thousands in returns each year. I don't think you understood what I was saying about price discrimination. Look at a bill sometime for hospitalization and tests - you'll see a price for thousands of dollars (what you would pay without insurance), but your insurance company might pay only 10% of that. Without insurance, you're hooked for $20k. With insurance, you might pay $500. Many corporations save money by self-insuring. What I'm saying is HSA, combined with eliminating that artificial pricing above, would give you an opportunity to save money by self-insuring for non-catastrophic losses. We can't really afford to do this in the existing system, because we aren't putting $2500 at risk we're risking $20k (which dramatically changes the economics). RE: ACA/Obamacare Repeal/Replace Drama - oncemoreuntothejimbreech - 03-25-2017 (03-25-2017, 07:52 PM)JustWinBaby Wrote: I didn't say HSAs would reduce costs, I said it would reduce what you pay. This is basic risk management - you build up a "rainy day" fund, and that allows you to take higher deductibles (and lower premiums) because you have a cushion. Put another way, I'm talking about the concept of being overinsured. (03-24-2017, 08:16 PM)JustWinBaby Wrote: I'd love to see a health savings accounts for individuals again. A 401k-type option, IMO, might have the single biggest impact to reduce costs And LOL at the rest. RE: ACA/Obamacare Repeal/Replace Drama - JustWinBaby - 03-25-2017 (03-25-2017, 08:28 PM)oncemoreuntothejimbreech Wrote: And LOL at the rest. Reading comprehension tripped you up again? "Costs", as in what the consumer pays, specifically deadweight costs. If I use my milk more efficiently, and don't waste any, would you disagree that my cost for milk goes down even while the price of milk remains the same? Laugh all you want - you're not fooling anyone into thinking you understand what's being discussed. RE: ACA/Obamacare Repeal/Replace Drama - oncemoreuntothejimbreech - 03-25-2017 (03-25-2017, 08:41 PM)JustWinBaby Wrote: Reading comprehension tripped you up again? "Costs", as in what the consumer pays, specifically deadweight costs. If I use my milk more efficiently, and don't waste any, would you disagree that my cost for milk goes down even while the price of milk remains the same? LOL (03-25-2017, 07:52 PM)JustWinBaby Wrote: Look at a bill sometime for hospitalization and tests - you'll see a price for thousands of dollars (what you would pay without insurance), but your insurance company might pay only 10% of that. Without insurance, you're hooked for $20k. With insurance, you might pay $500. An expert such as yourself should know the providers require the patient sign an agreement that they are responsible for any charges the insurance doesn't pay before they are even seen for an office visit. If the bill is $20K and the insurance only pays 10%, the patient is on the hook for $18,000. That is a fact. Your insults won't change it. RE: ACA/Obamacare Repeal/Replace Drama - GMDino - 03-25-2017
RE: ACA/Obamacare Repeal/Replace Drama - JustWinBaby - 03-25-2017 (03-25-2017, 09:02 PM)oncemoreuntothejimbreech Wrote: If the bill is $20K and the insurance only pays 10%, the patient is on the hook for $18,000. No, that's not how it works. You're responsible for any charges not covered, but the insurance company has already negotiated pricing for COVERED procedures that are very different from what is on your bill. I assume you've never had an actual insurance claim, or never bothered to look at your bill? At least take 4 seconds to google and get educated. Seriously, you're embarrassing yourself. RE: ACA/Obamacare Repeal/Replace Drama - NATI BENGALS - 03-25-2017 (03-25-2017, 11:15 PM)GMDino Wrote: If I want my ears to bleed I will tune in to that vile lady. Thanks for the opinion though prez shitbag. He is convinced the American health care system will explode. So where is he? A Trump branded golf course. Trump is hacking up giant snot filled loogies and spitting in the face of the American people. But morons will continue to show up to his weekly rallies because judge jeanine, hannity, alex jones, and the rest of those ass clowns told them to. RE: ACA/Obamacare Repeal/Replace Drama - oncemoreuntothejimbreech - 03-26-2017 (03-25-2017, 11:41 PM)JustWinBaby Wrote: No, that's not how it works. You're responsible for any charges not covered, but the insurance company has already negotiated pricing for COVERED procedures that are very different from what is on your bill. I assume you've never had an actual insurance claim, or never bothered to look at your bill? No shit, Sherlock. If the insurance company only reimburses the provider 10% (the "COVERED" part) of what the provider charged, who do you think pays for what isn't "COVERED"? The patient. Your bill shows the insurance company's payment (what they negotiated to pay) and the patient is responsible for the remaining balance. So if the provider charges $20K, but the insurance company negotiated a $2K reimbursement, the patient is responsible for the balance or $18K. You just confirmed what I wrote, but you don't even realize it. You're f'n hilarious. Thanks for setting me straight. LMFAO RE: ACA/Obamacare Repeal/Replace Drama - JustWinBaby - 03-26-2017 (03-26-2017, 01:38 AM)oncemoreuntothejimbreech Wrote: No shit, Sherlock. If the insurance company only reimburses the provider 10% (the "COVERED" part) of what the provider charged, who do you think pays for what isn't "COVERED"? The patient. Your bill shows the insurance company's payment (what they negotiated to pay) and the patient is responsible for the remaining balance. So if the provider charges $20K, but the insurance company negotiated a $2K reimbursement, the patient is responsible for the balance or $18K. You're very, extremely, dense. Anyone in this thread with the ability to use Google knows you are entirely clueless. Anyone who has ever looked at an insurance bill knows you're wrong. What you just said, and have been saying, is so extremely ignorant that you should be banned. You have no idea how insurance works, so please stop posting. Just stop. You'd be embarrassed if someone helped you to know better. RE: ACA/Obamacare Repeal/Replace Drama - oncemoreuntothejimbreech - 03-26-2017 (03-26-2017, 02:49 AM)JustWinBaby Wrote: You're very, extremely, dense. Anyone in this thread with the ability to use Google knows you are entirely clueless. Anyone who has ever looked at an insurance bill knows you're wrong. What you just said, and have been saying, is so extremely ignorant that you should be banned. The insurance company doesn't send you a bill. The insurance company sends you an explanation of benefits which says, "This is not a bill." It details what payments the insurance company made on your behalf IAW your policy. It also details what wasn't covered. Would you like to know why it says, "This is not a bill"? Because the provider is the one who rendered services, not the insurance company. Therefore, the provider sends you a bill charging you for the services they, not the insurance company, provided. The bill the provider sends you details the charges, the insurance payment (which you can compare to the EOB sent from the insurance company), and the balance. The patient is responsible for the balance. Why? Because the patient must sign a statement of financial responsibility stating they are ultimately responsible for any charges the insurance company doesn't cover. If the patient refuses to sign the statement of financial responsibility then they aren't seen except in the case of an ER visit IAW EMTALA. If the provider's charges are $20K, but a self pay patient is only responsible for $500 that equals a 97.5% discount. That's insurance fraud with any provider who participates with Medicare (which is virtually everybody) due to various anti inducement and kickback laws. Your insults don't change any of that, either. But, they do make me laugh. RE: ACA/Obamacare Repeal/Replace Drama - GMDino - 03-26-2017 Governing is hard when you have to DO things and take responsibility for them.
RE: ACA/Obamacare Repeal/Replace Drama - fredtoast - 03-26-2017 (03-26-2017, 10:33 AM)oncemoreuntothejimbreech Wrote: The insurance company doesn't send you a bill. The insurance company sends you an explanation of benefits which says, "This is not a bill." It details what payments the insurance company made on your behalf IAW your policy. It also details what wasn't covered. Would you like to know why it says, "This is not a bill"? Because the provider is the one who rendered services, not the insurance company. Therefore, the provider sends you a bill charging you for the services they, not the insurance company, provided. Rep. A savings fund is a great idea to use for health care as long as you know for sure that you will not need any health care until you have a lot of money saved. But what happens if you get sick or injured before you get any money saved up? RE: ACA/Obamacare Repeal/Replace Drama - oncemoreuntothejimbreech - 03-26-2017 (03-26-2017, 11:41 AM)fredtoast Wrote: Rep. Like everything else, HSAs have their advantages and disadvantages. Like the $3400 annual limit for JustWinBaby's individual policy. That won't even pay for one month of care for a person with Alzheimer's. Also, a payment of $500 for $20K worth of services wouldn't even cover the cost of the services being rendered. Lastly, what JustWinBaby suggests is illegal. Medicare and other private insurances monitor stuff like that and it would trigger a Medicare investigation. Each individual case could result in an 11K fine, treble damages for violating the anti kickback and inducement laws, the provider could be barred from participating with Medicare, and it would permanently affect their credentials. RE: ACA/Obamacare Repeal/Replace Drama - BmorePat87 - 03-26-2017 Wait, so an awful bill combined with zero experience in legislating and a complete lack of understanding of how district level politics work led to a complete failure? I'm shocked. RE: ACA/Obamacare Repeal/Replace Drama - NATI BENGALS - 03-26-2017 So the grand brilliant idea coming from the idiots who obstructed and called themselves the party of no for the last 8 years is now to let our health care system collapse. And then they will do something about it. All those years of bitching and moaning and wanting power. And that is the solution we get. Genius way to make America great again. Let the god damn health industry implode. Bunch of incompetent shitheads. I really don't know how anyone can defend these actions. RE: ACA/Obamacare Repeal/Replace Drama - GMDino - 03-26-2017 (03-26-2017, 04:55 PM)NATI BENGALS Wrote: So the grand brilliant idea coming from the idiots who obstructed and called themselves the party of no for the last 8 years is now to let our health care system collapse. And then they will do something about it. All those years of bitching and moaning and wanting power. And that is the solution we get. The health care industry won't implode. The GOP will do its best to defund parts of the ACA and then when people see they aren't getting the support that the ACA provides they'll try to blame the program and not their own actions. Meanwhile the insurance companies will continue to rake in the profits and the citizens will continue to get screwed. |