Obamacare success stories please

[goodfood4ursoul]

Megkel, congratulations on your pregnancy. It seems like your complaints are not at all about the ACA and all about military hospitals.

If you read back a few pages you will see that the reason she was sharing her experience is that the military medical system is a good example of already existing universal health care.
And there were a number of those of us with that experience who were sharing it as it relates to universal health care, which relates to ACA.

In other words, pay attention to what she wrote because that it's the road we are all heading down eventually.

 

[roomthreeseventeen]

If you read back a few pages you will see that the reason she was sharing her experience is that the military medical system is a good example of already existing universal health care.
And there were a number of those of us with that experience who were sharing it as it relates to universal health care, which relates to ACA.

In other words, pay attention to what she wrote because that it's the road we are all heading down eventually.

ACA is not universal or single payer healthcare.

 

[KalamityJane]

ACA is not universal or single payer healthcare.

No, but the system will be much more strained because of ACA, which will increase wait times, etc.

 

[roomthreeseventeen]

No, but the system will be much more strained because of ACA, which will increase wait times, etc.

...because more people will have health insurance, and will go to the doctor. Those are GOOD things.

 

[KalamityJane]

...because more people will have health insurance, and will go to the doctor. Those are GOOD things.

Agreed, but as a whole, it is going to decrease quality of care for everyone until either the system catches up or implodes.

 

[Megkel]

...because more people will have health insurance, and will go to the doctor. Those are GOOD things.

It's not just that more people will be going but they decide what you will be tested for what you won't be tested for. What hospital or doctor you can go to. They might not be choices you like and there isn't much you can do about it. I was honest to goodness scared out of my mind and the BEST they could do for me was over a week away. Like the other woman said she was military and her mom had to drive 2 hours away. There is not the freedom of much choice in this. I understand all insurance companies have rules however they are going to become more strict with this bill.

 

[lauradis]

Thank you. Yes I obviously don't have to worry about the ACA since I have medical that I assume will not change. I don't know how the story spiraled so far lol but I came in originally to explain that the insurance I have now from the government controls things like how often I can refill my medication. It's just the closest thing I can compare to what will happen with the ACA. I had no issues on smaller bases where the population wasn't overwhelming. However know that I'm in a much larger area (three plus naval bases, Air Force, and Marines) it's much more of a problem.

I don't have a dog in this fight just more good for thought as far as how well the government insurance is currently.

That because being pg makes us mental. Just ask my hubby

You have a big dog in this fight, we all do. Social programs are ignored, mistreated and on the books forever. Who wants to be know for taking food stamps away?

Your sweet baby's might not join the military and have tricare, we all have to think about the long term effect of ACA not just the first shock wave, but the big long term effect. Social programs don't expire not the big ones, they just fester and rot.

 

[robinb]

My upset for the system is for multiple reasons. I was upset that I wasn't being taken seriously the first time. I have proven (in my Naval medical records) that I have hypothyroidism, and polycystic ovary syndrome. A Naval medical doctor told me as well as a specialist that I could not, would not become pregnant without medical intervention. In addition to this my husband and I had been apart for an extend amount of time. That being the case I knew for a fact the chance of me not being able to get pregnant and then the chances of it happening over the random weekend he was back from deployment. Chances were that it was a false positive which would mean to me (since I took 5 different tests) that there was something wrong with me. The reasons for a false positive are a stomach tumor, ectopic pregnancy, miscarriage, Choriocarcinoma (a highly aggressive form of cancer), or another tumor. I didn't want to go to a class with a whole bunch of happy pregnant women not knowing. That is a horror story to me. Wanting a child you can not have and trying every month to be disappointed. Then to finally give up on that "dream" just to turn around to have a positive pregnancy test. Knowing the chances are nearly impossible that they are right or I am going to be in for a long extensive hospital stay. All I wanted was for someone to tell me yes you are for sure pregnant OR no you are not pregnant we have to do more testing. I didn't realize asking that of my medical provider was to much. Instead I should have waited the four weeks it would have taken to figure things out. I had to push in order to get the answers I have right now. It might sound a bit dramatic now however only because it turned out to be the slim to nothing chance I was just pregnant.

I didn't go over anyone's heads. I never raised my voice or kicked up a stink. All I did was ask if there was something that could be done today to get answers. Heck when I first called all I wanted was a simple blood test. I wasn't asking for an ultrasound. The only reason that anything about an ultrasound came up is because that is what the nurse said when I asked what could be done. I never demanded to talk to anyone never threatened, never said anything than this is what I was told to do. The ER doctor and the receptionist couldn't understand why obygn wouldn't just give me a simple pregnancy test.

I'm not understanding why you don't think it would be any different with a private insurance. I have had a child before with private insurance. My mom has had five kids with private insurance. My friend is having a child with private insurance. We all saw the same doctor every visit. Unless there was an emergency or a birth the same doctor every time was scheduled to see me. I am not so sure everyone is working together since when I was admitted to the ER they had me take a pregnancy test. The doctor asked me twice if I had taken one and the nurse asked me once. As far as I know it was never even tested just the blood sample.

I'm not complaining about the drive. My complaint is that I am to arrive to my appointment 15 minutes early. Plus the 15-20 minute drive if there is no traffic plus the 15-20 minutes to find a parking spot. I leave an hour before my appointment to make sure I am there on time. Sure if I was seeing the doctor once every three months a little headache is nothing. However the further into my pregnancy I am the more often I am going including to give birth. Last time I was there I had to park on the 5th floor, walk down five flights of stairs (I didn't know where the elevator was and didn't have time to look) and walked the length and width of the parking structure because I had parked at the back left in the one spot I could find. Not so sure I want to do that 6-8 months pregnant honestly.

I do not have an irrational fear of doctors. I am not scared to go to the doctors. It's highly frustrating to go to the doctors. I hate going because of the experiences I have had at this doctors. No one likes going. That was one example of one time I have been there. I didn't go into the hour trip for the prescription that the doctor put in four hours before I arrived. Pills in a bottle that is all nothing to mix and the doctor I see is in the hospital with the pharmacy!



I asked the nurse about if I could have a test ordered for my thyroid levels. She said a doctor was the only one who could issue those tests and it could be done at my appointment the following Friday. I actually had to make an appointment with my normal internal medicine doctor the next day so that I could get the situation addressed. I saw her on Wednesday and on Friday was able to pick up my prescription.

I am a very simple person. I didn't need a due date, a gender, a picture, or a heartbeat. I never even saw the baby or heard a heartbeat or knew anything other than it was a normal healthy pregnancy until I went to the obygn appointment. All I wanted to know is if I was honestly pregnant and if the baby's life was in danger. I didn't feel like I was asking for anything crazy. I don't think I was asking for someone to go above and beyond. I'm not sure why I shouldn't expect to get those simple answers from a doctor who is suppose to be concerned about my health.

Hide sight is 20/20 and I do realize the story has a happy ending. My meds did need adjusting and now I am on the right dosage. I won't know if three months without the right dose had any ill effects on the baby until he/she is born. The point to the story is that everyone is going to be treated the same. They had every intention on putting me in a class and waiting for my appointment to even check to make sure there was something there. Calling the first time I wouldn't have seen a doctor till a month later because that is the norm.

I get that people have to drive further than 15-20 minutes and that is great if you are seeing the doctor on a rare occasion. That is fine if you are just going for a physical or shots. I wouldn't want to make a four hour round trip for a doctor visit but that is just me. However doing that trip every week I'm sure you would see as excessive.

Megkel, thank you for the long response {hugs}. I totally understand not wanting to go to a class with a bunch of happy pregnant women only to find out you had a false positive. Of course that would be terrible! Are false positives common with your condition? I'm also glad that you saw your primary care physician and got your meds adjusted. I remember how I felt when I was 12-weeks pregnant, so I'll just stop here with a and .

 

[lauradis]

Yeah, well there were a lot of things on my old health insurance I didn't use too. I'm not too likely to get testicular cancer. Or need services for ADHD. I'm now covering a 30 year old woman's maternity, and she is covering my yearly mammograms.

Insurance isn't supposed to be fee for service, and if you want fee for service, opt out and pay the much smaller tax penalty, and fee for service.

By 2016 it wouldn't be a much smaller tax penalty, the fee starts out as 95.00 or 1% which ever is greater. then raise to the cost of a bronze plan. The lowest plan you are required now by federal law to purchase or pay the federal government.

That sound like a real small tax penalty to me

We live on the high ground, house behind us don't. whats next federal mandated flood insurance for all?

 

[lauradis]

Today's success story.

This really isn't a success story, but I might have found my first loop hole.

Bare with me its "out of the box" thinking.

Get A Divorce

The benefits of being "Married" in the eyes of the federal government have been shrinking.

Insurance, probate court are the two big ones. Smaller one taxes if combined incomes don't push you into higher tax levels.

If you have 2 or more kids, each of you work, don't have employer based insurance, or only one person has employer based insurance make less then Earned Income credit limits per one kid,

Think about it there is no law that says you have to be married to live together.

Federal refunds would be the same or more.

Aca would be cheaper because you would get a greater kick back from dividing your income on paper.

Your auto insurance would go up a little, but if all the cars are in one persons name you can just add them to the policy as a driver.

Medical power of attorney any one.

Person with lowest income can rent a room from the other ex spouse and get more goodies food stamps, cheaper lunches at school ok well that part is really really cheating the system.

Life insurance beneficiary don't have to be to a spouse

You can still owe houses jointly.

The only thing is the probate court, don't know enough about probate thank god.

But you could by pass probate if spouse is dyeing slow, by getting remarried.

You can still have joint checking accounts and if you don't change your name keep same checks.

You wouldn't really need to divide your assets.

Some states still allow you to split kids with out paying child support. Even if you did have to the money just get taking out of paycheck and put back in joint bank acct.

Think this could work for some people. Did I find a loop hole to make "family" insurance lower for middle class in some cases?

Success Story?

 

[dansamy]

Some states consider certain actions as meeting the threshold of a common law marriage. Enforcement would be a nightmare!

 

[PoohBear]

Today's success story.

This really isn't a success story, but I might have found my first loop hole.

Bare with me its "out of the box" thinking.

Get A Divorce

The benefits of being "Married" in the eyes of the federal government have been shrinking.

Insurance, probate court are the two big ones. Smaller one taxes if combined incomes don't push you into higher tax levels.

If you have 2 or more kids, each of you work, don't have employer based insurance, or only one person has employer based insurance make less then Earned Income credit limits per one kid,

Think about it there is no law that says you have to be married to live together.

Federal refunds would be the same or more.

Aca would be cheaper because you would get a greater kick back from dividing your income on paper.

Your auto insurance would go up a little, but if all the cars are in one persons name you can just add them to the policy as a driver.

Medical power of attorney any one.

Person with lowest income can rent a room from the other ex spouse and get more goodies food stamps, cheaper lunches at school ok well that part is really really cheating the system.

Life insurance beneficiary don't have to be to a spouse

You can still owe houses jointly.

The only thing is the probate court, don't know enough about probate thank god.

But you could by pass probate if spouse is dyeing slow, by getting remarried.

You can still have joint checking accounts and if you don't change your name keep same checks.

You wouldn't really need to divide your assets.

Some states still allow you to split kids with out paying child support. Even if you did have to the money just get taking out of paycheck and put back in joint bank acct.

Think this could work for some people. Did I find a loop hole to make "family" insurance lower for middle class in some cases?

Success Story?

Not sure if it works for Obamacare, but I don't know why it wouldn't. This is nothing new. This is how people routinely "cheat" the system. My neighbor has done this for years. Twelve years ago, she actually tried to recruit us to her system. She said we needed to get divorced and work less. Then she said we would qualify for all the goverrnment programs and get free healthcare, food, assistance, school lunches, even a ymca membership apparently.... We have not spoken to her since.

 

[lauradis]

Some states consider certain actions as meeting the threshold of a common law marriage. Enforcement would be a nightmare!

Not if you have legal separate address, is there law that says you can't spend the night at your boyfriends house. Is the common law effictive if your rent room from ex spouse?

 

[momof1princess]

Well I have pushed more buttons than I can count this morning.

I could give arguments to each and every one of you, but clearly, it wouldn't do one bit of good.

I will keep in the spirit of this thread.

ObamaCare is a wonderful law that we will all love.

My boss isn't loving it. I watched him open a benefits packet from BCBS today, telling him his monthly medical insurance premium would be going from $479.00 per month to $811.00 per month, due to the ACA. Yes, the letter specified the ACA as the reason for the increase. No change in his health or family situation, just an almost doubling of his premium. Yeah, the ACA is great. :rollseyes:

 

[roomthreeseventeen]

My boss isn't loving it. I watched him open a benefits packet from BCBS today, telling him his monthly medical insurance premium would be going from $479.00 per month to $811.00 per month, due to the ACA. Yes, the letter specified the ACA as the reason for the increase. No change in his health or family situation, just an almost doubling of his premium. Yeah, the ACA is great. :rollseyes:

I highly doubt this is true, unless he was on a cadillac plan.

 

[danygirl]

Lots of us are on caddie plans and we don't want to pay caddie prices for Yugos

 

[roomthreeseventeen]

Lots of us are on caddie plans and we don't want to pay caddie prices for Yugos

Um, you're paying to keep the plan you have, which has been revalued so that other people who have NOTHING can have health insurance.

 

[Muushka]

Not sure if it works for Obamacare, but I don't know why it wouldn't. This is nothing new. This is how people routinely "cheat" the system. My neighbor has done this for years. Twelve years ago, she actually tried to recruit us to her system. She said we needed to get divorced and work less. Then she said we would qualify for all the goverrnment programs and get free healthcare, food, assistance, school lunches, even a ymca membership apparently.... We have not spoken to her since.

Sure, why not? If you can't beat 'em, join 'em.

Eventually more and more people will catch on that this is the way to go.

I love this new world we live in!

 

[lauradis]

I highly doubt this is true, unless he was on a cadillac plan.

Why would you think she is making it up. We need to know how this is effecting everyone. Not just good, but the bad too. Why don't you care for the people that have to pay more they need insurance too right?

The new tax on Cadillac plan has been pushed back. Why is it wrong to have a good plan? Should we all just settle for junk plans so everyone is covered?

We where all lied too, " If you like your plan, nothing will change, keep it" our plan dies 1/1/2014 because of Aca

The federal government has decided with the insurance company help that Cadillac plans should be taxed out of being offered to employees. That's a fact no matter how you want to spin it.

 

[Robbi]

I am thinking the Tricare example is going to be the best example on how this new system will work. Now in Tricare's defense when I was on smaller bases I had an easier time with the Tricare. I live now in a huge military town and having one heck of a time...


I'm sorry to be so long winded and I'm sure for some people this is TMI however I think the health care system the government is already running is a good example on what they are going to do for the rest of the population. Yes it's better than nothing but that is about it.

Congratulations! Our daughter has hypothyroism and PCOS. She went to the doctor one day and got the shakes really badly. They took her blood sugar and it was very high. The doc put her on Metformin for Type II diabetes. She got pregnant within 3 weeks!! Metformin is a med doctors sometime use offlabel for women with PCOS if they're having fertility problems. Just sharing this in case you want to get pregnant in the future.

They cannot even get the website to work. Scary to think about the rest of it.

You should "factcheck" Factcheck. If you look, Factcheck is a project of the Annenberg School and is funded by the Annenberg Foundation. The same foundation the provided a multimillion dollar grant to Chicago schools and secured primarily through the efforts of Bill Ayers - Chairman of the Board was none other than the party the new insurance is named for! Not exactly who I would turn to for a neutral evaluation and I would skeptically consider what they are putting out to cheerleading. Annenberg is also the same group that has been running the "Ask Emily" campaign to boost support for the cause. That your quote singles out a particular PARTY for ridicule should also be a clue that they may not be speaking from a "fact neutral" perspective.

Assuming, for the sake of the argument, that a 1-3% increase is typical and can not be attributed to implementation of the ACA, how do you account for the poster's increase that exceeds 17%? Are the people who are posting increases that exceed the 3% mark just unlucky?

Agreed, but as a whole, it is going to decrease quality of care for everyone until either the system catches up or implodes.

I heard a report today that doctors are saying they will have to see 40 patients/day because of Obamacare. Even with a 10 hour workday they'd ahve to see 4/hour. Not goo for the patients

Lots of us are on caddie plans and we don't want to pay caddie prices for Yugos

but