Is Ted Cruz Satan? Discuss.

[Adder]

Originally Posted by Hank Chinaski

so you are saying plans said "once you've been provided X, no more for you?" That must be one high ass X, because I've never heard of it as a concept.

You remeber when Ty got HSA wrong? This that level of unawareness.

[Adder]

Originally Posted by Hank Chinaski

My firm never had them.

That's rather hard to believe. But even if true, you know you aren't typical. Why are all of your health care questioned premised on pretending you are?

But I grew up in a working class union rich neighborhood and I have never heard of anyone hitting the limit. That isn't to say it didn't happen on normal policies, just that it rarely happened.

Too bad you never spent time around some cancer patients or something. Maybe an AIDS organization.

[Replaced_Texan]

Originally Posted by Hank Chinaski

Can someone provide an actual answer to the question? not-ggg speak, an actual answer. If my daughter isn't poor enough to get health care, who is? Or are we telling those poor families that couldn't afford anything before they have to meet a $3000 deductible? And if so are we sending them back to the emergency rooms?

A UTI checkup probably will be covered as preventative care if she combines it with a well woman exam, and the office visit may be free because preventative care is free through Obamacare. She should, though, look at the schedule and determine what the coverage for non preventative office visits is, and if worse comes to worse, call the insurance company to find out how much it would be. My guess is no more than $50, plus whatever the cost of amoxicillen.

[Hank Chinaski]

Originally Posted by Adder

What do you think they were doing when they were unisured?

The same thing they will do when "insured?" That was what I'm asking.

[Hank Chinaski]

Originally Posted by Adder

You remeber when Ty got HSA wrong? This that level of unawareness.

No it isn't.

[taxwonk]

Originally Posted by Tyrone Slothrop

Whole thing sounds like an argument for single payer. That would be less complex.

Duh.

[taxwonk]

Originally Posted by Hank Chinaski

Can someone provide an actual answer to the question? not-ggg speak, an actual answer. If my daughter isn't poor enough to get health care, who is? Or are we telling those poor families that couldn't afford anything before they have to meet a $3000 deductible? And if so are we sending them back to the emergency rooms?

Sounds like a case for single-payer.

[taxwonk]

Originally Posted by Tyrone Slothrop

Constitutional geek question:

According to this article, the four plaintiffs in the challenge to HCR pending in the Supreme Court all have Article III standing problems. One of them may not live anymore in a state with a federally run exchange. And so on. Apparently it's hard to find plaintiffs to challenge the case. So one might expect the Supreme Court to dismiss the case for lack of standing.

If it does, what happens to the circuit court decision (mis-)construing HCR in a way that eliminates the subsidies? If no plaintiff in it had standing, the Supreme Court could vacate it, I suppose. But what if one plaintiff had standing at the of that decision (say s/he was in a state with a federally run exchange then, and later moved). There must be some way to get appellate review.

If the party lacks standing, the action is invalid. It's like it never occurred.

[taxwonk]

Originally Posted by Hank Chinaski

so you are saying plans said "once you've been provided X, no more for you?" That must be one high ass X, because I've never heard of it as a concept.

My old policy at work had a $2 million cap. I was about $170 shy of capping out when I was switched to Medicare.

[Hank Chinaski]

Originally Posted by taxwonk

My old policy at work had a $2 million cap. I was about $170 shy of capping out when I was switched to Medicare.

Thanks. How did you become eligible for Medicare? There is little evidence of the real lifetime caps on the net. mostly there are just articles about how wonderful it is they were eliminated. the one example I found was $30,000, which has to be some bad insurance. There are examples or yearly caps, which apparently can continue under some circumstances. But the examples are $1-2 million.

[ThurgreedMarshall]

Originally Posted by Sidd Finch

Says Mr. "I Bill 1300 Hours."

Purnt taken.

TM

[Sidd Finch]

Originally Posted by Hank Chinaski

Do you think people in the city can get to all parts of Ct? And was that the only problem raised in the article? It seemed too long for that to be it all.

From the article:

It is true that the Affordable Care Act has erased some of the more egregious practices of the American health insurance system that left patients bankrupt or losing homes to pay bills. Insurers can no longer deny coverage to those with pre-existing conditions, for example. And the new policies cap out-of-pocket spending so long as the patient receives care within the plan. Most important, the act has offered health insurance to an estimated 10 million Americans who did not have any, often by expanding Medicaid or providing subsidies.

But by endorsing and expanding the complex new policies promoted by the health care industry, the law may in some ways be undermining its signature promise: health care that is accessible and affordable for all.

So the main purposes have been fulfilled, and the system is so complex and bureaucratic -- especially because Obama recognized the need to work within the existing insurance framework -- that it will take some time to make it work better. The horror, the horror.

[Sidd Finch]

Originally Posted by Adder

This comment applies universally to all health care discussions.

I had the same thought about 14 miles, but she's from Manhattan, no? Stamford may actually be an unreasonable distance away, especially if she does not have a car.

It's an hour train-ride from Manhattan to Stamford, and people make that commute daily.

So, yes, this is inconvenient, and there are deficiencies in the system. But hardly a crisis.

[Greedy,Greedy,Greedy]

Originally Posted by Hank Chinaski

Thanks. How did you become eligible for Medicare? There is little evidence of the real lifetime caps on the net. mostly there are just articles about how wonderful it is they were eliminated. the one example I found was $30,000, which has to be some bad insurance. There are examples or yearly caps, which apparently can continue under some circumstances. But the examples are $1-2 million.

Mass. eliminated them before the Feds did, as part of Romneycare. It was a big issue for most of the cancer societies, for example, because cancer patients regularly hit them. Also for people dealing with cronic diseases. You can check some of the ACA testimony from those sources for facts and figures.

And, yes, often Medicare or Medicaid then would step in. Many employers didn't care because they wanted to push people that sick off the payrolls anyways.

[Sidd Finch]

Originally Posted by Hank Chinaski

people who had insurance have worse now, as I predicted.

my daughter just turned 26. she is very broke. the health care she got, as a broke person, comes with a $3000 deductible. How is that possible? That is (other than my checkbook) practically the same as having no insurance. I hope really poor people are covered w/o deductible, because if you wrecked the system for most and didn't even really help the truly poor that is fucked up.

When I was 22, I had no insurance. I was hit by a car, shattering my leg. I was picked up by an ambulance. I spent ten days in one hospital, five in another. I needed an external fixator (metal rods outside the leg, with pins going in to hold the bone in place), bone graft, several tissue grafts. And about a year of follow-up care and therapy. For many years, until California law changed, any health insurance I could get excluded anything that might happen to my right leg.

So, I would suggest that your daughter's situation is not remotely similar to having no insurance.