Had to go 50 mils to avoid an HMO. Went with the HOm. Now today, ny wife doc wants yet another MRI done and the pain clinic wont tell her a network provider. Ive already been stuck with an MRI bill due to the changing network. My med expense from last year is over $30,000 with out the med miles. I think I missed the mark with my income so I will get stung when I finish my taxes again. What a half ass system. So poorly thought out. Sold on a pack of lies. Wonder what would happen if I told my clients lies on such a large scale.
FFA, if Insurance Agents operated like the Federal Government, they would be shortly bankrupted and no bank would ever lend to them. If Agents lied like the Federal Government to their clients, they would first have a number of E&O claims followed by loss of license.
I commend your efforts to try to sell this Obamanation, but clearly agents were not intended for their scheme. That is why I decided early on not to try it. An E&O waiting to happen. Scholars can’t read or understand it so why would an agent be able to understand it?
Look at all the problems they have caused trying to get into Health Business. If (That’s a big if) they solved that one, how many more would they create?
Not worth the chance to trust my health care to a bunch of politicians that will say / do anything to win an election. The only they they dont do is speak for the people that elected them.
I said Universal Health Care, not Socialized Medicine. Do you understand the difference?
All I want the government to do is collect the premiums, in the form of taxes, and pay for the health care. I do not, repeat do not want the government to provide the actual health care or make doctors, nurses, administrators or anyone else in the health care industry government employees. That is what we currently have with Medicare and Medicaid.
My plan would eliminate uninsured citizens, remove co-pays and deductibles, eliminate networks, remove the uncertainty of medical expenses, eliminate bankruptcies due to medical issues, increase bargaining power with pharmaceutical companies and medical equipment manufacturers and distributors, remove fraud by people trying to gain access to Medicaid, encourage more people to retire earlier, and create more jobs. All of these things will also lead to more prosperity in the overall economy because more people will have more disposable income.
…. because they do so well administering Medi-careless-stuff and the VA Hospital System? Have you ever read a bill or “This is not a bill” document from Medi-careless-stuff? Can you decipher it without a lawyer or Medi-careless-stuff expert?
Once again, since you apparently missed it in my previous post, the government will only collect premiums and pay the bills. My plan would actually reduce the government’s involvement in health care because there would no longer be Medicare, Medicaid or the VA. All health care would be run and administered by private companies.
Any other questions? maybe something I hadn’t already answered.
March 29, 2016 at 10:47 am
Yogi Polar Berra says:
Like or Dislike:
0
1
I read it 3 times now, and conclude once again that the Federal Govt collecting FUNGIBLE healthcare premiums is a big problem, as is the taxation of people in violation of the US Constitution.
If US Citizens want to exercise their rights to BUY or NOT BUY a product or service from a private healthcare provider or private health insurance company, THOSE two industries are perfectly capable of collecting premiums MORE EFFICIENTLY and without the possibility of ‘leakage’ of FUNGIBLE taxes to FAILED FEDERAL SOCIAL ENGINEERING PROGRAMS like Medicare and Medicaid.
LBJ raided the Social Security Lock Box in 1965 to pay for his FAILED ‘PAYGO’ Ponzi schemes; Medi-CARELESS and Medi-CAIDTOSOCIALISM. Your scheme is similarly flawed. Private insurance companies have TRUE lock boxes that cannot be breached by the Fed. And, there is NO REASON to force people to buy any products in violation of the US Constitution despite deceitfully calling the premiums paid ‘taxes’.
March 29, 2016 at 10:51 am
Yogi Polar Berra says:
Like or Dislike:
0
1
Summary; there is NO REASON for Federal Govt involvement in health insurance, including programs created by Socialist Democrats which have failed, as proven by their impending insolvency.
Does the Fed collect auto insurance, homeowners, WC, General Liability, Medical Malpractice, Life, Disability, etc. premiums? Why not? So why should the Federal Govt get involved in collecting healthcare premiums that comprise 1/6th of the US GDP?
March 29, 2016 at 12:14 pm
Ron says:
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0
0
Yogi Polar Berra,
My plan is not to extend Medicare, Medicaid or the VA to all, period. Actually, as I stated before, my plan would eliminate those programs. I would equate it to paying private military contracts where the government collects taxes, then pays the contractors for goods and services that the private companies provide. Are there instances of fraud and abuse? Yes, but the bills get paid and private companies still create jobs and generate a profit.
You asked, “Does the Fed collect auto insurance, homeowners, WC, General Liability, Medical Malpractice, Life, Disability, etc. premiums? Why not? So why should the Federal Govt get involved in collecting healthcare premiums that comprise 1/6th of the US GDP?” Simple, the need for those things are all contingent on owning something voluntarily.
I find it ironic that you said, “You recall what Einstein said about people who continue repeating failed procedures, don’t you?”, yet my plan is actually different from what we have tried in America. The Republican plans are all regurgitations that want to go back to what we had. HSAs pre-date the PPACA.
I know you and the rest of the right are scared of something different, but that is how you improve.
I am not sure why you said, “Ron believes the ACA compares favorably to the prior, albeit flawed system.
Ron is in denial.” in a reply to a post where I said, “What we have and what we had suck(ed), period.”. At what point did I ever state that I believe the PPACA compares favorably to what we had? Please stop putting words in my mouth just to support your narrative.
I do not want Great Britain, Canada or any other country’s plan. I want a plan that works for America that guarantees all of its citizens are taken care of, not just those with the means.
March 29, 2016 at 1:30 pm
FFA says:
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0
1
Ron,I am against any and all Govt involvement. They would just spend the money else where and not pay the providers.
Then maybe you should move to Somalia or some other country that has no government involvement. And take Agent with you.
What is your solution, with zero government involvement, for solving the following issues:
1.) Reasonably priced coverage for people with pre-existing conditions
2.) Reasonably priced coverage for senior citizens
3.) Reasonably priced coverage for the working poor and disabled
4.) Surprise out-of-network fees and co-pays
5.) High deductibles and co-pays
6.) Bankruptcies due to medical expenses (the number 1 cause of bankruptcies)
I can guarantee you that the private market has no solutions for these issues or the issues you and your wife are experiencing.
March 29, 2016 at 3:02 pm
FFA says:
Like or Dislike:
0
1
Ron. Premiums were reasonable before Govt Involvement. Ded & OOPs were reasonable before govt involvement.
As far as I know. Medicare is reasonable.
Medicaid exists for the Poor and Disabled.
Surprise OOP & Co Pays were not an issue until the PPACA.
High Deds & Co Pays were not an issue prior to the PPACA. I knew where it ended. If I wanted to spend more to get a lower ded, I used to be able to. Not to mention, they took part of my product offering off the table.
Every provider I (my wife) use and have fallen behind on all have some sort of Financial Office / assistance available.
When I cut pay checks, I am currently taking 7.65% out of my employees checks for Medicare & SS and I as the employer are matching that. We are currently Pre Paying for that.
Why you getting snippy with me? Its not you I dont trust, its the Govt.
To answer your question with a question, why dont the people who dont like the system move to another part of the world where they do like the system? People that think Canada has a great system – they can move there.
I believe JFK got it right and people today have it wrong.
March 29, 2016 at 4:35 pm
Ron says:
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1
0
FFA,
Just because your premiums were reasonable, does not mean everyone else would agree.
As you know, Medicare and Medicaid are government programs.
There were OON fees and copays before the PPACA
High deductible plans with HSAs existed before the PPACA
I apologize for getting snippy and understand your mistrust of the government. I am not a big fan either. The point I was making is that the private health insurers were not able to come up with solutions because their number one priority, as for any business, is profit. In addition, they do not have enough bargaining power, as individual companies, that the government would have to reduce expenses.
I do not want what Canada has, I want better.
March 29, 2016 at 6:03 pm
FFA says:
Like or Dislike:
0
1
Ron, I never had OON expenses like this before. Ever. My total Medical last year has totaled out over $30,000 – worst ever.
We are finally getting this accident finished off next week. Not getting any where near what the OOP was. Not even close. She had pre existing issues. The accident advanced them by so many years. Then to have the same providers in network for the first surgery and then not for the second because the PPACA forced networks to change. Then the kid (texting & driving) gets off with barely a slap on the wrist.
Now, no more commish for my time helping people get through the health law all in the name of 5% less premium because all carriers are posting losses.
Hopefully, after the 1st of the year, its gone.
March 30, 2016 at 8:13 am
Ron says:
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0
0
FFA,
Again, this is not about you or me and our individual situations. Just because you never had OON issues, does not mean that did not exist for others. I cannot remember a time when my health plan did not had fees or additional co-pays for OON care.
I honestly feel bad for your situation with your wife. Mine went through breast cancer treatment last year and this. Our medical bills were not quite as high as yours, but it had a huge impact on our spending on food, household goods and entertainment. That is not helping the economy.
My plan would have saved your family and mine tens of thousands of dollars that could have been spent in the private sector and helped the economy.
March 30, 2016 at 3:30 pm
FFA says:
Like or Dislike:
0
0
Well Ron, make your vote count for something. This election is only about getting rid of the PPACA to me and that means the republican ticket no matter who lands there.
If these stuffy a$# politicians would stop telling us what we want as opposed to listening to us tell them what we want, I think we would all be better off. This is the sleaziest election cycle I have ever lived through.
March 30, 2016 at 4:14 pm
Ron says:
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0
FFA,
I can’t argue with anything you said with the exception of voting for a Republican regardless. While I cannot see myself voting for either democratic candidate, I cannot see myself voting for Donald Trump or Senator Cruz. John Kasich is the only remaining candidate for whom I can see myself voting. If he is not the nominee, I will be voting for either a 3rd party candidate or none of the above.
I really wish there was a way to make the Presidency something appealing to smart people. Unfortunately, we the people have created this mess the way the past few presidents have been treated and disrespected. Whether or not anyone believes it is warranted.
March 31, 2016 at 2:00 pm
FFA says:
Like or Dislike:
0
0
Yes Ron. Living under an Il Politician has not been good.
Kaish is my wish list. The more everyone bashes on Trump, the more popular he gets. Too bad others cant see that. His opening remarks to announce him running should have stopped him in his tracks before he even got started. But, everyone else wants to keep giving him publicity and continue sinking their own ship.
March 29, 2016 at 11:05 am
Yogi Polar Berra says:
Like or Dislike:
0
0
‘Dictator’ defined briefly: people who say “their way or the highway”.
Ron, your plan and your ideas suck, period. The Federal Government is so corrupt and inefficient, the premiums would mysteriously disappear, siphoned off into another useless program and doctors and hospitals would be waiting forever to be paid. That is called bankruptcy in about 6 months. The VA is the microcosm for Single Payer Healthcare. This is America, not Great Britain which has the worst system ever.
We don’t live there. How did they do on the Market Place web site?
Let me help you out – Not so well.
I just dont trust our government doing the right thing. Every time there is some sort of budget issue, its gonna hold up SS Payment & Vet Pay. Never their pay. Always someone else.
Join the Vote them all out movement. Then , maybe, Ill try to restore my faith in them.
Ron believes the ACA compares favorably to the prior, albeit flawed system.
Ron is in denial.
The VA is a place Ron likely never visited or interacted with in his life. Ron also likely never went to Canada for healthcare treatment. I know people in healthcare in Canada, who, although they represent a small sample, would disagree with Ron due to their experiences in healthcare in the US.
But, Ron is entitled to his opinion, based on his experiences, or his readings on liberal websites.
Read the plans of Cruz, Trummp, and Carson, all of whom call for HSAs of one form or another, revised laws allowing licensing across state lines, and other ideas that DON’T involve the US Govt.
Trump has a single payer approach embedded in his requirement to repeal McCarran-Ferguson / Public Law 15, which would eliminate competition. The other two Republican plans that were published do not eliminate PL-15 and thus preserve data collection by rating bureaus that enable small insurers to add to market competition.
Want to know more about those novel ideas? Read THOSE 3 novel plans instead of re-hashing failed proposals that parallel Medi-CARELESS and Medi-CAIDTOSOCIALISM. You recall what Einstein said about people who continue repeating failed procedures, don’t you?
Yea. This new Health System operates smoothly. Just another way OBama screwed people with his bill of lies.
FFA, didn’t you say you had to drive 50 miles to find a provider? Thank you Obamacare.
Had to go 50 mils to avoid an HMO. Went with the HOm. Now today, ny wife doc wants yet another MRI done and the pain clinic wont tell her a network provider. Ive already been stuck with an MRI bill due to the changing network. My med expense from last year is over $30,000 with out the med miles. I think I missed the mark with my income so I will get stung when I finish my taxes again. What a half ass system. So poorly thought out. Sold on a pack of lies. Wonder what would happen if I told my clients lies on such a large scale.
FFA, if Insurance Agents operated like the Federal Government, they would be shortly bankrupted and no bank would ever lend to them. If Agents lied like the Federal Government to their clients, they would first have a number of E&O claims followed by loss of license.
I commend your efforts to try to sell this Obamanation, but clearly agents were not intended for their scheme. That is why I decided early on not to try it. An E&O waiting to happen. Scholars can’t read or understand it so why would an agent be able to understand it?
he who has below average reading comprehension should not insult other people’s ability to understand what they’ve read
Universal Health Care is the only solution for this problem, period!
Look at all the problems they have caused trying to get into Health Business. If (That’s a big if) they solved that one, how many more would they create?
Not worth the chance to trust my health care to a bunch of politicians that will say / do anything to win an election. The only they they dont do is speak for the people that elected them.
FFA,
I said Universal Health Care, not Socialized Medicine. Do you understand the difference?
All I want the government to do is collect the premiums, in the form of taxes, and pay for the health care. I do not, repeat do not want the government to provide the actual health care or make doctors, nurses, administrators or anyone else in the health care industry government employees. That is what we currently have with Medicare and Medicaid.
My plan would eliminate uninsured citizens, remove co-pays and deductibles, eliminate networks, remove the uncertainty of medical expenses, eliminate bankruptcies due to medical issues, increase bargaining power with pharmaceutical companies and medical equipment manufacturers and distributors, remove fraud by people trying to gain access to Medicaid, encourage more people to retire earlier, and create more jobs. All of these things will also lead to more prosperity in the overall economy because more people will have more disposable income.
It really is not that complicated.
…. because they do so well administering Medi-careless-stuff and the VA Hospital System? Have you ever read a bill or “This is not a bill” document from Medi-careless-stuff? Can you decipher it without a lawyer or Medi-careless-stuff expert?
Yogi Polar Berra,
Please re-read my entire post.
Once again, since you apparently missed it in my previous post, the government will only collect premiums and pay the bills. My plan would actually reduce the government’s involvement in health care because there would no longer be Medicare, Medicaid or the VA. All health care would be run and administered by private companies.
Any other questions? maybe something I hadn’t already answered.
I read it 3 times now, and conclude once again that the Federal Govt collecting FUNGIBLE healthcare premiums is a big problem, as is the taxation of people in violation of the US Constitution.
If US Citizens want to exercise their rights to BUY or NOT BUY a product or service from a private healthcare provider or private health insurance company, THOSE two industries are perfectly capable of collecting premiums MORE EFFICIENTLY and without the possibility of ‘leakage’ of FUNGIBLE taxes to FAILED FEDERAL SOCIAL ENGINEERING PROGRAMS like Medicare and Medicaid.
LBJ raided the Social Security Lock Box in 1965 to pay for his FAILED ‘PAYGO’ Ponzi schemes; Medi-CARELESS and Medi-CAIDTOSOCIALISM. Your scheme is similarly flawed. Private insurance companies have TRUE lock boxes that cannot be breached by the Fed. And, there is NO REASON to force people to buy any products in violation of the US Constitution despite deceitfully calling the premiums paid ‘taxes’.
Summary; there is NO REASON for Federal Govt involvement in health insurance, including programs created by Socialist Democrats which have failed, as proven by their impending insolvency.
Does the Fed collect auto insurance, homeowners, WC, General Liability, Medical Malpractice, Life, Disability, etc. premiums? Why not? So why should the Federal Govt get involved in collecting healthcare premiums that comprise 1/6th of the US GDP?
Yogi Polar Berra,
My plan is not to extend Medicare, Medicaid or the VA to all, period. Actually, as I stated before, my plan would eliminate those programs. I would equate it to paying private military contracts where the government collects taxes, then pays the contractors for goods and services that the private companies provide. Are there instances of fraud and abuse? Yes, but the bills get paid and private companies still create jobs and generate a profit.
You asked, “Does the Fed collect auto insurance, homeowners, WC, General Liability, Medical Malpractice, Life, Disability, etc. premiums? Why not? So why should the Federal Govt get involved in collecting healthcare premiums that comprise 1/6th of the US GDP?” Simple, the need for those things are all contingent on owning something voluntarily.
I find it ironic that you said, “You recall what Einstein said about people who continue repeating failed procedures, don’t you?”, yet my plan is actually different from what we have tried in America. The Republican plans are all regurgitations that want to go back to what we had. HSAs pre-date the PPACA.
I know you and the rest of the right are scared of something different, but that is how you improve.
I am not sure why you said, “Ron believes the ACA compares favorably to the prior, albeit flawed system.
Ron is in denial.” in a reply to a post where I said, “What we have and what we had suck(ed), period.”. At what point did I ever state that I believe the PPACA compares favorably to what we had? Please stop putting words in my mouth just to support your narrative.
I do not want Great Britain, Canada or any other country’s plan. I want a plan that works for America that guarantees all of its citizens are taken care of, not just those with the means.
Ron,I am against any and all Govt involvement. They would just spend the money else where and not pay the providers.
FFA,
Then maybe you should move to Somalia or some other country that has no government involvement. And take Agent with you.
What is your solution, with zero government involvement, for solving the following issues:
1.) Reasonably priced coverage for people with pre-existing conditions
2.) Reasonably priced coverage for senior citizens
3.) Reasonably priced coverage for the working poor and disabled
4.) Surprise out-of-network fees and co-pays
5.) High deductibles and co-pays
6.) Bankruptcies due to medical expenses (the number 1 cause of bankruptcies)
I can guarantee you that the private market has no solutions for these issues or the issues you and your wife are experiencing.
Ron. Premiums were reasonable before Govt Involvement. Ded & OOPs were reasonable before govt involvement.
As far as I know. Medicare is reasonable.
Medicaid exists for the Poor and Disabled.
Surprise OOP & Co Pays were not an issue until the PPACA.
High Deds & Co Pays were not an issue prior to the PPACA. I knew where it ended. If I wanted to spend more to get a lower ded, I used to be able to. Not to mention, they took part of my product offering off the table.
Every provider I (my wife) use and have fallen behind on all have some sort of Financial Office / assistance available.
When I cut pay checks, I am currently taking 7.65% out of my employees checks for Medicare & SS and I as the employer are matching that. We are currently Pre Paying for that.
Why you getting snippy with me? Its not you I dont trust, its the Govt.
To answer your question with a question, why dont the people who dont like the system move to another part of the world where they do like the system? People that think Canada has a great system – they can move there.
I believe JFK got it right and people today have it wrong.
FFA,
Just because your premiums were reasonable, does not mean everyone else would agree.
As you know, Medicare and Medicaid are government programs.
There were OON fees and copays before the PPACA
High deductible plans with HSAs existed before the PPACA
I apologize for getting snippy and understand your mistrust of the government. I am not a big fan either. The point I was making is that the private health insurers were not able to come up with solutions because their number one priority, as for any business, is profit. In addition, they do not have enough bargaining power, as individual companies, that the government would have to reduce expenses.
I do not want what Canada has, I want better.
Ron, I never had OON expenses like this before. Ever. My total Medical last year has totaled out over $30,000 – worst ever.
We are finally getting this accident finished off next week. Not getting any where near what the OOP was. Not even close. She had pre existing issues. The accident advanced them by so many years. Then to have the same providers in network for the first surgery and then not for the second because the PPACA forced networks to change. Then the kid (texting & driving) gets off with barely a slap on the wrist.
Now, no more commish for my time helping people get through the health law all in the name of 5% less premium because all carriers are posting losses.
Hopefully, after the 1st of the year, its gone.
FFA,
Again, this is not about you or me and our individual situations. Just because you never had OON issues, does not mean that did not exist for others. I cannot remember a time when my health plan did not had fees or additional co-pays for OON care.
I honestly feel bad for your situation with your wife. Mine went through breast cancer treatment last year and this. Our medical bills were not quite as high as yours, but it had a huge impact on our spending on food, household goods and entertainment. That is not helping the economy.
My plan would have saved your family and mine tens of thousands of dollars that could have been spent in the private sector and helped the economy.
Well Ron, make your vote count for something. This election is only about getting rid of the PPACA to me and that means the republican ticket no matter who lands there.
If these stuffy a$# politicians would stop telling us what we want as opposed to listening to us tell them what we want, I think we would all be better off. This is the sleaziest election cycle I have ever lived through.
FFA,
I can’t argue with anything you said with the exception of voting for a Republican regardless. While I cannot see myself voting for either democratic candidate, I cannot see myself voting for Donald Trump or Senator Cruz. John Kasich is the only remaining candidate for whom I can see myself voting. If he is not the nominee, I will be voting for either a 3rd party candidate or none of the above.
I really wish there was a way to make the Presidency something appealing to smart people. Unfortunately, we the people have created this mess the way the past few presidents have been treated and disrespected. Whether or not anyone believes it is warranted.
Yes Ron. Living under an Il Politician has not been good.
Kaish is my wish list. The more everyone bashes on Trump, the more popular he gets. Too bad others cant see that. His opening remarks to announce him running should have stopped him in his tracks before he even got started. But, everyone else wants to keep giving him publicity and continue sinking their own ship.
‘Dictator’ defined briefly: people who say “their way or the highway”.
Ron, your plan and your ideas suck, period. The Federal Government is so corrupt and inefficient, the premiums would mysteriously disappear, siphoned off into another useless program and doctors and hospitals would be waiting forever to be paid. That is called bankruptcy in about 6 months. The VA is the microcosm for Single Payer Healthcare. This is America, not Great Britain which has the worst system ever.
Canada has a Single Payer Healthcare system and is one of the best ever
We don’t live there. How did they do on the Market Place web site?
Let me help you out – Not so well.
I just dont trust our government doing the right thing. Every time there is some sort of budget issue, its gonna hold up SS Payment & Vet Pay. Never their pay. Always someone else.
Join the Vote them all out movement. Then , maybe, Ill try to restore my faith in them.
Agent,
What we have and what we had suck(ed), period. Too many people still do not have coverage and many are going personally bankrupt. What is your plan?
Ron believes the ACA compares favorably to the prior, albeit flawed system.
Ron is in denial.
The VA is a place Ron likely never visited or interacted with in his life. Ron also likely never went to Canada for healthcare treatment. I know people in healthcare in Canada, who, although they represent a small sample, would disagree with Ron due to their experiences in healthcare in the US.
But, Ron is entitled to his opinion, based on his experiences, or his readings on liberal websites.
@Ron; re: “what is your plan?”
Read the plans of Cruz, Trummp, and Carson, all of whom call for HSAs of one form or another, revised laws allowing licensing across state lines, and other ideas that DON’T involve the US Govt.
Trump has a single payer approach embedded in his requirement to repeal McCarran-Ferguson / Public Law 15, which would eliminate competition. The other two Republican plans that were published do not eliminate PL-15 and thus preserve data collection by rating bureaus that enable small insurers to add to market competition.
Want to know more about those novel ideas? Read THOSE 3 novel plans instead of re-hashing failed proposals that parallel Medi-CARELESS and Medi-CAIDTOSOCIALISM. You recall what Einstein said about people who continue repeating failed procedures, don’t you?