ObamaCare Info

[Robbi]

Good luck with that .

Thanks
We might not even pay the penalty if they can't enforce it. We never get a refund so no worries on that point.

 

[Muushka]

Whose to say that someone like Robbi isn't going to get some sort of insurance that may not be ObamaCare compliant but may fit their needs? If we didn't have employer insurance we might not be compliant either. Or if employers gave a set amount for us to get our own, chances are it wouldn't be ObamaCare.

For those who think the docs and care you receive on ObamaCare will be quality , time to wake up.

 

[robinb]

For those who think the docs and care you receive on ObamaCare will be quality , time to wake up.

More scare tactics ... booga Booga BOOGA!!!

 

[mhsjax]

More scare tactics ... booga Booga BOOGA!!!

I don't think scare tactics are needed.

 

[Muushka]

More scare tactics ... booga Booga BOOGA!!!

Oh yes, what am I thinking. Doctors will be happy to receive low reimbursement, it is after all for the common good.

This is going to be the best thing for our country.

 

[daughtersrus]

Oh yes, what am I thinking. Doctors will be happy to receive low reimbursement, it is after all for the common good.

This is going to be the best thing for our country.

Doctors and hospitals are already accepting huge deductions from insurance companies. I just pulled out an EOB for my DD. She had RSV a few months ago. The lab tests from the hospital were $850.00. Because we have a BC/BS PPO, the eligible charge amount was only $100. Insurance paid $80, we paid $20 and the hospital deducted $750. Because we have insurance, they were happy to discount the bill almost 90%

 

[Robbi]

Doctors and hospitals are already accepting huge deductions from insurance companies. I just pulled out an EOB for my DD. She had RSV a few months ago. The lab tests from the hospital were $850.00. Because we have a BC/BS PPO, the eligible charge amount was only $100. Insurance paid $80, we paid $20 and the hospital deducted $750. Because we have insurance, they were happy to discount the bill almost 90%

Yes, because they know they will get paid by insurance companies.

 

[daughtersrus]

Yes, because they know they will get paid by insurance companies.

My comment was directed at the statement that doctors will now have to accept low reimbursement. The point is that they have been accepting low reimbursement for years. With the ACA they will still be paid by insurance companies. The people that choose to pay the penalty will be charged the higher rate.

 

[Robbi]

My comment was directed at the statement that doctors will now have to accept low reimbursement. The point is that they have been accepting low reimbursement for years. With the ACA they will still be paid by insurance companies. The people that choose to pay the penalty will be charged the higher rate.

Not necessarily, a friend of mine's daughter as admitted to an eating disorder clinic. They had insurance and the cost was $1000/day. Another person being checked in at the same time did not have insurance and their rate was $450/day.

 

[barkley]

Not necessarily, a friend of mine's daughter as admitted to an eating disorder clinic. They had insurance and the cost was $1000/day. Another person being checked in at the same time did not have insurance and their rate was $450/day.

this is correct-the hospital we've used has specific wording on their billing statements that instructs individuals without insurance to call and if they will pay in full they can receive AT LEAST a 50% discount. when I receive my EOB from my insurance company it shows the billed rate and the contracted rate-it is not 50% lower. a family member with no insurance ran up a bill at his local e/r, they offered to charge him 30 cents on the dollar if he would pay in full (a smaller but still significant reduction if he made payments).

 

[mhsjax]

My comment was directed at the statement that doctors will now have to accept low reimbursement. The point is that they have been accepting low reimbursement for years. With the ACA they will still be paid by insurance companies. The people that choose to pay the penalty will be charged the higher rate.

Those Dr's weren't "happy" to discount your bill. It is in the contract that they sign, more importantly, one the CHOOSE to sign. Being happy to do it is completely wrong, this is what I did for 15 years. Trust me, they do it because it brings in more patients. They already accept low reimbursement, to cut it any more is criminal, and unless you see the bills that these Drs; have, you have no idea how little money they make for what they do. Most Dr's will tell you don't go into medicine, now it will be even worse.

 

[mom2rtk]

Doctors and hospitals are already accepting huge deductions from insurance companies. I just pulled out an EOB for my DD. She had RSV a few months ago. The lab tests from the hospital were $850.00. Because we have a BC/BS PPO, the eligible charge amount was only $100. Insurance paid $80, we paid $20 and the hospital deducted $750. Because we have insurance, they were happy to discount the bill almost 90%

Because that one charge was almost a 90% write-off in no way means they have that large a write-off on all of their other charges. Yes, there are huge write-offs, but not to that extent.

Government reimbursements are the lowest out there, and hospitals and doctors will now be strong-armed into taking those levels from more and more compaines. The private insurance companies have never been able to get as low a discount as the government because the hospitals and doctors need to recoup those losses in the form of higher costs from private insurance.

That is why so many doctors near retirement have said they will go ahead and retire. And why so many of our country's best and brightest are now second guessing whether it is worth the time, effort and cost involved to become a doctor.

All I can do at this point is cross my fingers that my husband's policy through work doesn't get dumped like so many other companies have done already. My doctor already told me they are not taking patients from the exchanges.

 

[chobie]

Those Dr's weren't "happy" to discount your bill. It is in the contract that they sign, more importantly, one the CHOOSE to sign. Being happy to do it is completely wrong, this is what I did for 15 years. Trust me, they do it because it brings in more patients. They already accept low reimbursement, to cut it any more is criminal, and unless you see the bills that these Drs; have, you have no idea how little money they make for what they do. Most Dr's will tell you don't go into medicine, now it will be even worse.

Yeah and most teachers will tell you don't go into teaching, most lawyers will tell you law school loans are not worth it -- it's getting harder and harder to make a living, etc., etc., etc.

Exactly which careers these days are people saying, "hey, this is really great"?

And yet despite that we will always have teachers, doctors and lawyers.

 

[mhsjax]

Yeah and most teachers will tell you don't go into teaching, most lawyers will tell you law school loans are not worth it -- it's getting harder and harder to make a living, etc., etc., etc.

Exactly which careers these days are people saying, "hey, this is really great"?

And yet despite that we will always have teachers, doctors and lawyers.

True. But I am not willing to gamble with sub par Dr's and I think that is what you are going to get. It takes a lot longer to become a good Dr than it does a teacher, or lawyer. They have huge loans to pay off, sorry but a 4 year degree for teaching isn't exactly what a Dr has to go through, not even in the ball park. And they don't exactly deal with life and death. Well I guess lawyers do, but if you have that problemthen you probably screwed up big time.

ETA: Yes I know that many teachers have more than 4 year degrees, but they will never be more than a Dr has to go through, they don't have residencies and internships. Not even close. I love this saying, "the juice has to be worth the squeeze" and the way things are going, it won't be. So in my final thought, no you can't compare them, not at all.

 

[chobie]

True. But I am not willing to gamble with sub par Dr's and I htink that is what you are going to get. It takes a lot longer to become a good Dr than it does a teacher, or lawyer. And they don't exactly deal with life and death. Well I guess lawyers do, but if you have that problemthen you probably screwed up big time.

I doubt they are going to lower the bar for med students.

 

[mhsjax]

I doubt they are going to lower the bar for med students.

Do you really think that the only way there are sub par Drs is because they lower the bar? If that were the case, then why do we have physicians now that aren't good?

 

[chobie]

Do you really think that the only way there are sub par Drs is because they lower the bar?

Well there should have been no subpar doctors before Obamacare right?

 

[mhsjax]

Well there should have been no subpar doctors before Obamacare right?

Should there ever be" NO, are there yep. And? And there will be more after Obamacare.

 

[chobie]

Should there ever be" NO, are there yep. And?

So, how is Obamacare going to create more?

 

[mhsjax]

So, how is Obamacare going to create more?

Govt control/ Free market. These Dr's already take a huge hit with the insurance companies. The money paid to them won't justify the time and effort that it takes to become a good physician. Sure it will take the same amount of time, but if there is no competition, why bother to be the best. And don't tell me pride. That goes out the window when you are working 24 hours and/or on call all the time.