unintended consequences of owebamacare....

Posted 631 day(s) ago by 87sooner14185 Views 581 Replies
Results 101 to 150 of 582
Page 3 of 12 1 2 3 4 5
  1. #101
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    You at Tinker?

  2. #102
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    Originally Posted by pphilfran View Post
    You at Tinker?
    Indeed I am

  3. #103
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    Enlisted? Contractor?

  4. #104
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    Originally Posted by pphilfran View Post
    Enlisted? Contractor?
    I'm enlisted. I'm currently attached to the 3d Combat Comm Group.

  5. #105
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    Thanks for your service!

    When I was a kid we used to hunt south of Altus...they would do touch and go landing with the C5A and they would fly right over us...loud as hell and seemed like slow motion...hour after hour...

  6. #106
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    My nephew is in the AF...Master Sgt up at Vance...

  7. #107
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    Originally Posted by pphilfran View Post
    Thanks for your service!

    When I was a kid we used to hunt south of Altus...they would do touch and go landing with the C5A and they would fly right over us...loud as hell and seemed like slow motion...hour after hour...
    Thanks, I appreciate it.

    Yeah my last base was Dover AFB. It's a C5/C17 base. Those fat ass whales just looping in the sky 2 at a time 8 hours a day. I had been there a year when one crashed just off base. Sounded like someone murdered a tornado.

    The following users like this post: Morningwood


  8. #108
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    Originally Posted by pphilfran View Post
    My nephew is in the AF...Master Sgt up at Vance...
    Very nice. Do you know what his career field is?

  9. #109
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    Originally Posted by Dexa View Post
    Thanks, I appreciate it.

    Yeah my last base was Dover AFB. It's a C5/C17 base. Those fat ass whales just looping in the sky 2 at a time 8 hours a day. I had been there a year when one crashed just off base. Sounded like someone murdered a tornado.

    To keep on topic you should call them dogs instead of whales....
    The following users like this post: Dexa


  10. #110
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    71st Operations Group

  11. #111

    unintended consequences of owebamacare....

    Originally Posted by Dexa View Post
    I love my TriCare.. does anyone else's insurance provider tell providers to go **** themselves?

    I'll get a letter that says.. your daughters 3 minute check up was charged 167 dollars... TriCare paid 54. I have never been sent a bill from the providers attempting to collect the remainder. Maybe that's because they know they wont get it from us. I don't really know how they do it for civilian coverage.
    Understand that this has the potential to hurt your provider pool. It may feel good to stick it to the man, but when that man gets tired of Tricare sticking it to him, he's going to require you to pay cash up front for service and he'll then give you a billing sheet to recoup what you can from your insurance company.

    It's not that we know we won't get it from you, it's that we are contracted with Tricare for that amount.

  12. #112
    Originally Posted by oucub23 View Post
    Understand that this has the potential to hurt your provider pool. It may feel good to stick it to the man, but when that man gets tired of Tricare sticking it to him, he's going to require you to pay cash up front for service and he'll then give you a billing sheet to recoup what you can from your insurance company.

    It's not that we know we won't get it from you, it's that we are contracted with Tricare for that amount.

    Cub is correct.

  13. #113
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    Originally Posted by oucub23 View Post
    Understand that this has the potential to hurt your provider pool. It may feel good to stick it to the man, but when that man gets tired of Tricare sticking it to him, he's going to require you to pay cash up front for service and he'll then give you a billing sheet to recoup what you can from your insurance company.

    It's not that we know we won't get it from you, it's that we are contracted with Tricare for that amount.
    Oh I know.. plenty of providers do not take TRICARE.. but enough do.

  14. #114
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    Originally Posted by Dexa View Post
    Oh I know.. plenty of providers do not take TRICARE.. but enough do.
    There was an article in the Lawton paper (we get all the military news) about retirees living more than 40 miles from military bases are going to lose TRICARE Prime...something like 170k....

    Do you know the difference between Prime and the standard?

  15. #115
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    Originally Posted by pphilfran View Post
    There was an article in the Lawton paper (we get all the military news) about retirees living more than 40 miles from military bases are going to lose TRICARE Prime...something like 170k....

    Do you know the difference between Prime and the standard?
    I SHOULD know.. but I don't know all of the differences. The military automatically has prime. Dependants have standard, but can pay like.. 5 bucks a month for Prime (estimate.. might be off)

    I think the difference is how many providers you have available to you, if at all. Standard might be forced to the base for some services instead of being able to use the economy.

    Edit: looks like that might be backwards.

    Prime is the less "option based" because military are dictated where to go.

    Standard has more options, but is not available to active duty.

  16. #116
    Sooner Bob's Avatar
    Posts
    4,745
    Join Date
    Sep 2012
    vCash
    1000
    Location
    North of Waterloo Road

    I think there's Prime, Prime-remote, and Standard.

    Standard is for those who pay co-pays on services off-base or outside the catchment area. Prime-remote is for dependents outside the catchment area . . . and I do believe Prime is for those inside the catchment area.

  17. #117
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    Originally Posted by Sooner Bob View Post
    I think there's Prime, Prime-remote, and Standard.

    Standard is for those who pay co-pays on services off-base or outside the catchment area. Prime-remote is for dependents outside the catchment area . . . and I do believe Prime is for those inside the catchment area.
    What I thought, though Prime Remote is new lingo...anyone know cost difference?

  18. #118

    unintended consequences of owebamacare....

    Originally Posted by Dexa View Post
    Oh I know.. plenty of providers do not take TRICARE.. but enough do.
    I would have started refusing Tricare years ago due to the idiocy of some of their requirements for reimbursement. They've improved some of that but have continued to cut rates. I'm still a provider though bc of who is insured--if it was a public pool I would have stopped. I'll honestly probably continue to be a provider bc of that pool regardless of what the rates are--but enjoy getting your statements and sticking it to us.
    The following users like this post: Sooner Bob


  19. #119
    Sooner Bob's Avatar
    Posts
    4,745
    Join Date
    Sep 2012
    vCash
    1000
    Location
    North of Waterloo Road

    Originally Posted by pphilfran View Post
    What I thought, though Prime Remote is new lingo...anyone know cost difference?
    Not sure . . . we've stuck with Standard. Even when my family was eligible for remote we stuck with Standard.

    Thankfully we haven't had any major issues to cover. Although, my wife did have gall bladder surgery about 4 years ago, but since it was done within the network we didn't have to pay too much out of pocket I don't think.

  20. #120
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    unintended consequences of owebamacare....

    Originally Posted by oucub23 View Post
    I would have started refusing Tricare years ago due to the idiocy of some of their requirements for reimbursement. They've improved some of that but have continued to cut rates. I'm still a provider though bc of who is insured--if it was a public pool I would have stopped. I'll honestly probably continue to be a provider bc of that pool regardless of what the rates are--but enjoy getting your statements and sticking it to us.
    If you're charging a reasonable rate and still getting screwed, then that sucks, and I would never enjoy that.

    My limited experience has shown me that more often than not.. The price of care seems to be extreme for what you're getting.

  21. #121

    unintended consequences of owebamacare....

    Originally Posted by Dexa View Post
    If you're charging a reasonable rate and still getting screwed, then that sucks, and I would never enjoy that.

    My limited experience has shown me that more often than not.. The price of care seems to be extreme for what you're getting.
    If I showed you what I bill, you'd think it extreme. If I sat down with you and showed you my overhead you wouldn't.

  22. #122
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    Originally Posted by oucub23 View Post
    If I showed you what I bill, you'd think it extreme. If I sat down with you and showed you my overhead you wouldn't.
    That is what all you greedy capitalist say....

  23. #123
    Dexa's Avatar
    Posts
    2,671
    Join Date
    Sep 2011
    vCash
    1476
    Location
    Moore

    unintended consequences of owebamacare....

    Originally Posted by oucub23 View Post
    If I showed you what I bill, you'd think it extreme. If I sat down with you and showed you my overhead you wouldn't.
    Yeah I suppose that really depends on what it is and what you do.

    I'm more frustrated with clinic doctors who attempt to see you for 30 seconds and leave before you're able to ask any questions and if you have an unrelated issue that needs to be discussed it requires another visit.

  24. #124

    unintended consequences of owebamacare....

    Originally Posted by Dexa View Post
    Yeah I suppose that really depends on what it is and what you do.

    I'm more frustrated with clinic doctors who attempt to see you for 30 seconds and leave before you're able to ask any questions and if you have an unrelated issue that needs to be discussed it requires another visit.
    Fair enough. I'd get a new clinic doc if I were you. Continuing to use those docs makes the problems more acceptable.

  25. #125

  26. #126
    okie52's Avatar
    Posts
    6,747
    Join Date
    Nov 2010
    vCash
    1000
    Location
    Edmond, OK

    I'm crying for them.

  27. #127
    Is this credible? Pretty alarming if so -
    Health Insurance Brokers Prepare Clients For Obamacare Sticker Shock

    A California insurance broker, who sells health plans to individuals and small businesses, told me that she’s prepping her clients for a sticker shock. Her local carriers are hinting to her that premiums may triple this fall, when the plans unveil how they’ll billet the full brunt of Obamacare’s new regulations and mandates.

    California is hardly alone. Around the country, insurers are fixing to raise rates by double digits. They’re privately briefing politicians in Washington on what’s in store. Those briefings are leaving a lot of folks up and down Pennsylvania Avenue jumpy.

    What’s gives? President Obama, after all, said he’d prevent these sorts of prices. His new health law gave state regulators the power to block premium increases. It even created a federal agency to oversee insurance rates. But these bureaucrats are spectators to the price hikes. They’re mere wallflowers. Even in the bluest of states.

    Their silence is the best evidence of who is culpable for the increases. It’s the policymakers. It’s Obamacare. The President is accepting the premium hikes as an allowable consequence of his healthcare policies.

    There’s buzz in Washington that to ease the price hikes, the Obama team may slow down some of the most expensive regulations. This might include the law’s mandatory community rating. One approach they’re said to be considering is allowing some of the historically based underwriting to stay in place for a time.

    But premiums will still rise because, in the end, everything has a price. The law’s prohibition against traditional insurance underwriting is just one of its costly provisions. Washington can try to force health plans to price insurance below the cost of these mandates. But then the health plans will simply lose money and move out of markets. To keep the insurers whole, and accommodate new rules, the cost of insurance must get re-priced higher. That re-pricing is what’s coming this fall.

    http://www.forbes.com/sites/realspin...sticker-shock/

  28. #128
    What will happen with health care is the same thing that happened to our housing market a few years ago except this will effect far more people. And will be a lot more messier to fix.

  29. #129
    http://www.politico.com/story/2013/0...are-86676.html

    Does anyone really expect this to work at a large scale when we can't even really work with the system we already had that well?

  30. #130
    Saul Good's Avatar
    Posts
    1,405
    Join Date
    Jan 2011
    vCash
    1000
    Location
    Stuckeyville

    Originally Posted by ThievingMagpie View Post
    Is this credible? Pretty alarming if so -
    Health Insurance Brokers Prepare Clients For Obamacare Sticker Shock

    A California insurance broker, who sells health plans to individuals and small businesses, told me that she’s prepping her clients for a sticker shock. Her local carriers are hinting to her that premiums may triple this fall, when the plans unveil how they’ll billet the full brunt of Obamacare’s new regulations and mandates.

    California is hardly alone. Around the country, insurers are fixing to raise rates by double digits. They’re privately briefing politicians in Washington on what’s in store. Those briefings are leaving a lot of folks up and down Pennsylvania Avenue jumpy.



    What’s gives? President Obama, after all, said he’d prevent these sorts of prices. His new health law gave state regulators the power to block premium increases. It even created a federal agency to oversee insurance rates. But these bureaucrats are spectators to the price hikes. They’re mere wallflowers. Even in the bluest of states.

    Their silence is the best evidence of who is culpable for the increases. It’s the policymakers. It’s Obamacare. The President is accepting the premium hikes as an allowable consequence of his healthcare policies.

    There’s buzz in Washington that to ease the price hikes, the Obama team may slow down some of the most expensive regulations. This might include the law’s mandatory community rating. One approach they’re said to be considering is allowing some of the historically based underwriting to stay in place for a time.

    But premiums will still rise because, in the end, everything has a price. The law’s prohibition against traditional insurance underwriting is just one of its costly provisions. Washington can try to force health plans to price insurance below the cost of these mandates. But then the health plans will simply lose money and move out of markets. To keep the insurers whole, and accommodate new rules, the cost of insurance must get re-priced higher. That re-pricing is what’s coming this fall.

    http://www.forbes.com/sites/realspin...sticker-shock/
    This is absolutely true but does a horrible job of explaining it. Not everyones rates are going up due to what is going to cause "sticker shock", however. With that said, if you are young and healthy, "sticker shock" will absolutely happen to you. This issue, in its simplest form, is only allowing the insurance companies minimal differences in prices between the youngest and/or healthiest when compared to the oldest and/or unhealthiest. Obamacare is taking away the variances in prices due to age, health history, etc that pre-Obamacare insurance had. So the insurance companies need the same amount of dollars to cover their entire block of insured but the unhealthiest/oldest/costliest rates are coming down while the opposite folks have their rates going up. Ive seen formulas where the low end folks are going to see 400+% increases (all else being equal) just due to this portion of the law, where the same formulas are giving 200% decreases to the highest payers today. Long story short, they are compressing the rate variances without taking any cost out of the market.

    So that is sticker shock but outside of that requirement there are many other fees, taxes, required coverage benefits, etc in this law that are also increasing costs on the policy holders but "sticker shock" has little to do with OVERALL increase in costs. Just a new way the insurors are required to rate individuals while collecting enough money to cover the entire block. Slicing up the same pie in a different manner, so to speak. I hope I am making sense (don't want to write a book).
    The following users like this post: ThievingMagpie


  31. #131
    VUGear's Avatar
    Posts
    1,118
    Join Date
    Nov 2011
    vCash
    1000

    Do penalties for smokers and the obese make sense?

    From an economist's perspective, there would be less reason to grouse about unhealthy behaviors by smokers, obese people, motorcycle riders who eschew helmets and other health sinners if they agreed to pay the financial price for their choices.

    That's the rationale for a provision in the Affordable Care Act - "Obamacare" to its detractors - that starting next year allows health insurers to charge smokers buying individual policies up to 50 percent higher premiums. A 60-year-old could wind up paying nearly $5,100 on top of premiums.

    The new law doesn't allow insurers to charge more for people who are overweight, however.

  32. #132

    Re: unintended consequences of owebamacare....

    Dexa,

    What do you think about the military docs? I hear the specialists are good, but general practitioners are horrible.

  33. #133
    Forget about buying health insurance just pay the fine and when and if you get sick jump on a plan. It's cheaper to pay the fine than buy the insurance and the health insurers can't deny you when you get sick and need insurance.

  34. #134
    pphilfran's Avatar
    Posts
    10,504
    Join Date
    Dec 2010
    vCash
    1000

    They screwed the pooch making the fine too small...
    The following users like this post: Saul Good


  35. #135
    Originally Posted by pphilfran View Post
    They screwed the pooch making the fine too small...
    Depends on intent. If the intent was to get everyone to have insurance, then yes. If the intent was to cripple insurance companies, causing them to collapse, then no.
    2 users like oucub23's post: pphilfran, Saul Good


  36. #136
    VUGear's Avatar
    Posts
    1,118
    Join Date
    Nov 2011
    vCash
    1000

    Coverage of Certain Preventive Services Under the Affordable Care Act

    For purposes of these proposed rules only, the Departments propose to define an eligible organization as an organization that meets all of the following criteria:
    • The organization opposes providing coverage for some or all of the contraceptive services required to be covered under section 2713 of the PHS Act on account of religious objections.
    • The organization is organized and operates as a nonprofit entity.
    • The organization holds itself out as a religious organization.
    • The organization self-certifies that it satisfies the first three criteria, as described later in this section.
    But the exemption for houses of worship has been dropped?

    These proposed rules aim to provide women with contraceptive coverage without cost sharing and to protect eligible organizations from having to contract, arrange, pay, or refer for contraceptive coverage to which they object on religious grounds.

    [ ... ]

    To achieve these goals, under HHS’s authority in section 2792 of the PHS Act to promulgate rules “necessary or appropriate” to carry out the provisions of title XXVII of the PHS Act, and the parallel authorities of the Department of Labor in section 734 of ERISA and the Department of the Treasury in section 9833 of the Code, these proposed rules would provide that, in the case of an insured group health plan established or maintained by an eligible organization, the health insurance issuer providing group coverage in connection with the plan would assume sole responsibility, independent of the eligible organization and its plan, for providing contraceptive coverage without cost sharing, premium, fee, or other charge to plan participants and beneficiaries.

    [ ... ]

    The issuer would automatically enroll plan participants and beneficiaries in a separate individual health insurance policy that covers recommended contraceptive services.
    Last edited by VUGear; February 3rd, 2013 at 11:57 AM.

  37. #137
    .
    Last edited by soonerintn; July 19th, 2013 at 05:52 PM.

  38. #138
    kssooner's Avatar
    Posts
    3,610
    Join Date
    Nov 2010
    vCash
    1000
    Location
    Kansas

    IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    http://cnsnews.com/news/article/irs-...e-20000-family

  39. #139

    unintended consequences of owebamacare....

    Still a chance if we can keep enough states out of the exchanges.

  40. #140

  41. #141

  42. #142
    kssooner's Avatar
    Posts
    3,610
    Join Date
    Nov 2010
    vCash
    1000
    Location
    Kansas

    unintended consequences of owebamacare....

    We have an employee who's husband is military on tricare She went to pick up some meds yesterday at a local pharmacy and her cost for the meds doubled specifically because of Obamacare. The pharmacist showed her an email from tricare that stated the cost must raised to cover the cost of those who can't afford it.

  43. #143
    KCRuf/Nek's Avatar
    Posts
    36,713
    Join Date
    Dec 2010
    vCash
    0
    Location
    Prairie Village, Ks.

    Originally Posted by kssooner View Post
    We have an employee who's husband is military on tricare She went to pick up some meds yesterday at a local pharmacy and her cost for the meds doubled specifically because of Obamacare. The pharmacist showed her an email from tricare that stated the cost must raised to cover the cost of those who can't afford it.
    So is when when that lowering the deficit thingee starts?

  44. #144
    SpankyNek's Avatar
    Posts
    11,434
    Join Date
    Oct 2010
    vCash
    5250
    Location
    Houston (Cypress)

    Originally Posted by KCRuf/Nek View Post
    So is when when that lowering the deficit thingee starts?
    Whenever the republicans decide to address it is my guess.

  45. #145

    unintended consequences of owebamacare....

    Originally Posted by SpankyNek View Post
    Whenever the republicans decide to address it is my guess.
    Bullcrap. O missed his budget deadline again.

    It's not just Tricare. Blue Cross cut me by another $7 a session. I'm seriously considering rejecting BCBS and having new clients pay cash.

  46. #146
    KCRuf/Nek's Avatar
    Posts
    36,713
    Join Date
    Dec 2010
    vCash
    0
    Location
    Prairie Village, Ks.

    Originally Posted by SpankyNek View Post
    Whenever the republicans decide to address it is my guess.
    Actually it was Dear Leader that said Owebamacare was going to lower the deficit.

  47. #147
    SpankyNek's Avatar
    Posts
    11,434
    Join Date
    Oct 2010
    vCash
    5250
    Location
    Houston (Cypress)

    Originally Posted by KCRuf/Nek View Post
    Actually it was Dear Leader that said Owebamacare was going to lower the deficit.
    I thought it was the congressional budget office that said that.

  48. #148
    SpankyNek's Avatar
    Posts
    11,434
    Join Date
    Oct 2010
    vCash
    5250
    Location
    Houston (Cypress)

    Originally Posted by oucub23 View Post
    Bullcrap. O missed his budget deadline again.

    It's not just Tricare. Blue Cross cut me by another $7 a session. I'm seriously considering rejecting BCBS and having new clients pay cash.
    The republican house last passed a budget when? What spending cuts did the republican house demand in the sequestration delay?

  49. #149

    unintended consequences of owebamacare....

    Originally Posted by SpankyNek View Post
    The republican house last passed a budget when? What spending cuts did the republican house demand in the sequestration delay?
    You cannot seriously be attempting to blame our lack of a budget on the House can you?

  50. #150
    KCRuf/Nek's Avatar
    Posts
    36,713
    Join Date
    Dec 2010
    vCash
    0
    Location
    Prairie Village, Ks.

    Originally Posted by SpankyNek View Post
    I thought it was the congressional budget office that said that.
    I've heard BHO say it. A trillion dollars over X amount of years.

Similar Threads

  1. Elections have consequences...
    By okie52 in forum ThunderDome
    Replies: 1
    Last Post: November 22nd, 2013, 10:18 AM
  2. Replies: 28
    Last Post: August 7th, 2012, 11:02 AM
  3. Replies: 4
    Last Post: August 2nd, 2012, 10:31 PM