Is Ted Cruz Satan? Discuss.

[Hank Chinaski]

Originally Posted by Sidd Finch

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.

I'm not dogging on her insurance. I asking about the family with no money to pay a doctor who was the strawman for ACA. That family went to the emergency room as it had no choice. If that family has a $3000 deductible are they not going back to the emergency room? I thought a goal of ACA was to reduce waste like that?

[Sidd Finch]

Originally Posted by Replaced_Texan

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.

There you go again, with all of your "facts."


Hank's daughter has a UTI, the woman in the article had a broken leg, and both have the same issue: It's easier to find the extra money and bitch about it than it is to figure out how to deal with the system.

[Sidd Finch]

Originally Posted by Hank Chinaski

I'm not dogging on her insurance. I asking about the family with no money to pay a doctor who was the strawman for ACA. That family went to the emergency room as it had no choice. If that family has a $3000 deductible are they not going back to the emergency room? I thought a goal of ACA was to reduce waste like that?

You said this: "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 was pointing out that a $3000 deductible is very, very different from having no insurance.

As to the above question -- I think RT answered it.

[Hank Chinaski]

Originally Posted by Sidd Finch

There you go again, with all of your "facts."


Hank's daughter has a UTI, the woman in the article had a broken leg, and both have the same issue: It's easier to find the extra money and bitch about it than it is to figure out how to deal with the system.

time for me to go. one cannot even ask a simple question, now my daughter is lazy, or dumb.

[Hank Chinaski]

Originally Posted by Sidd Finch

You said this: "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 was pointing out that a $3000 deductible is very, very different from having no insurance.

As to the above question -- I think RT answered it.

RT gave a way that perhaps my kid could have gotten a free consult, whether that would work inNYC I do not know, but the question was broader than that one procedure. I presume the strawman poor family will have other medical issues. when the baby gets an ear infection won't they show at the emergency room?

[taxwonk]

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.

After you've been disabled for two years, they automatically enroll you.

[Greedy,Greedy,Greedy]

Originally Posted by Hank Chinaski

RT gave a way that perhaps my kid could have gotten a free consult, whether that would work inNYC I do not know, but the question was broader than that one procedure. I presume the strawman poor family will have other medical issues. when the baby gets an ear infection won't they show at the emergency room?

It really does sound like you are wanting true socialistic healthcare, fully provided and paid for by the government, rather than the insurance approach that was used. I don't blame you, it has its advantages, and we both know you have socialistic tendencies.

Insurance companies started developing a lot of very high deductible policies in response to HSAs. You may remember some of your posts talking about how great those policies were (and, yes, you said when coupled with other benefits that you provided but that other people offering HSAs didn't); what's happened recently is that insurance companies have really begun pushing these policies outside of HSAs because they have proven profitable for them and they tend to be attractive to people shopping solely based on price and not on offered benefits.

There should be some lower deductible policies in there as options, but if they don't cost more they are probably going to have restrictions on providers (so there may need to be a trip to Stamford) or other bells and whistles may be missing. Shopping for these things has gotten incredibly complex because there are enormously more options than there used to be (that is as a result of ACA). But, yeah, the low cost policies are still going to have limited benefits in one way or another. The good thing is, they'll all give her respectable coverage if she gets seriously sick.

[ThurgreedMarshall]

Originally Posted by Replaced_Texan

openly defied it.

Please tell us what this consisted of. All details will be welcomed.

TM

[Replaced_Texan]

Originally Posted by Hank Chinaski

RT gave a way that perhaps my kid could have gotten a free consult, whether that would work inNYC I do not know, but the question was broader than that one procedure. I presume the strawman poor family will have other medical issues. when the baby gets an ear infection won't they show at the emergency room?

Depends on the definition of poor and whether the state has opted into Medicaid or not. Most poor kids usually qualify for CHIP, even in states like Texas without the Medicaid opt in. Hell Medicaid pays for almost all of those several hundred thousand dollar NICU stays, even for not-poor families.

And it depends on how the insurance policies are set up. My state purchased ERISA plan administered through Blue Cross has a $350 deductible for individuals but it's only applicable on charges where coinsurance is required. In most routine instances, like the ear ache or UTI or even a trip to the ER, it's a set, predictable copayment that I have to pay rather than coinsurance.

[ThurgreedMarshall]

Originally Posted by Not Bob

I could be wrong, but one example of the (alleged) bad things done by the bank described in this article could be a case of where Big Data was used to help the bank racially discriminate by "steering." http://www.propublica.org/article/ho...source=twitter

Good grief.

TM

[ThurgreedMarshall]

Originally Posted by sebastian_dangerfield

"and people die-- errr, uh... Wound up with a president who helped create conditions which allowed people discriminated against to get married!"

Get the FOH.

TM

[Greedy,Greedy,Greedy]

So Chapel Hill - is it a terrorist attack, hate crime, another plain-vanilla shooting in America, or just a a parking dispute? Or does no one care?

[Adder]

Originally Posted by Greedy,Greedy,Greedy

So Chapel Hill - is it a terrorist attack, hate crime, another plain-vanilla shooting in America, or just a a parking dispute? Or does no one care?

Don't think we know yet.

[Hank Chinaski]

Originally Posted by Greedy,Greedy,Greedy

It really does sound like you are wanting true socialistic healthcare, fully provided and paid for by the government, rather than the insurance approach that was used. I don't blame you, it has its advantages, and we both know you have socialistic tendencies.

Insurance companies started developing a lot of very high deductible policies in response to HSAs. You may remember some of your posts talking about how great those policies were (and, yes, you said when coupled with other benefits that you provided but that other people offering HSAs didn't); what's happened recently is that insurance companies have really begun pushing these policies outside of HSAs because they have proven profitable for them and they tend to be attractive to people shopping solely based on price and not on offered benefits.

There should be some lower deductible policies in there as options, but if they don't cost more they are probably going to have restrictions on providers (so there may need to be a trip to Stamford) or other bells and whistles may be missing. Shopping for these things has gotten incredibly complex because there are enormously more options than there used to be (that is as a result of ACA). But, yeah, the low cost policies are still going to have limited benefits in one way or another. The good thing is, they'll all give her respectable coverage if she gets seriously sick.

again, I am only using my child's experience to ask how we helped a truly poor family, which I thought was the point.

[Greedy,Greedy,Greedy]

Originally Posted by Hank Chinaski

again, I am only using my child's experience to ask how we helped a truly poor family, which I thought was the point.

You do see some of my answers in there, don't you?

I'm beginning to worry that we may need to set you up with a good neurologist. Have you been in for any recent cognitive testing?