OMG!!! I just signed up for ObamaCare
- Thread starter B00Mer
- Start date
Like you say Boomer, anyone with a brain already applied for insurance, so, my big question is, does Obamacare change the way insurance companies deal with people they used to turn down for pre-existing conditions? Would I be able to get medical insurance in the US now if I were a citizen?
Yes you would. The more you pay the better you will be treated!
Success!
Your account has been created.
With this account, you can use the Health Insurance Marketplace to find health coverage that fits your budget and meets your needs.
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Needless to say, I'm grinding my teeth throughout the whole process.. LOL
Sorta painless.. $344/mo for Insurance
Did you get your bill and papers saying you actually have insurance?
And I am sure you don't live in Oregon.
http://washingtonexaminer.com/orego...-despite-spending-300-million/article/2540529
Oregon signs up just 44 people for Obamacare despite spending $300 million
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Okay, so, I have to pay more for better treatment, do I have to pay more because I'm already sick?
That is a good question Karrie.
So now you can get a form of health insurance but what form will they allow you to have with a preexisting condition?
I am not sure you would be allowed to purchase the cheap plans with a significant preexisting condition.
Let me see if I can find out because that again is a good question.
That would be wonderful Eagle. Thanks.
To me, that is the facet of the US system that was the most unfair, and seemed to destroy the most families. Any health care reform that doesn't close that gap, is quite pointless.
I checked and well... it is a mess.
Healthcaredotgov says you cannot be denied health care with a preexisting condition nor pay more. But they were the ones that also said if you like your plan you can keep it. They say the exception is a grandfathered individual plan can be exempt from accepting you. They also say look into Medicare.
State exchanges are all different.
I have a hunch... if you have a preexisting condition you would have to find a plan that treats that condition in the individual market. I doubt you'd be able to buy a bronze plan if the condition is not covered OR the premiums and deductibles will be quite substantial.
The more you pay... the better you will be treated.
I agree with that and that should have been dealt with because now we have Obamacare.
In addition... we are finding out that certain medications may not be covered under plans and you may be channeled to see certain doctors. So... if you like your doctor you can keep him/her... but you may have to pay more. If you like the medication you are getting for your illness you can keep getting them... but you may have to pay more.
Great plan!
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This sounds pretty on par with most two-tier medical systems. In Canada your meds aren't covered at all, you need separate insurance, usually through your employer, for that.
This doesn't even scratch the surface for employer insurance. That shoe drops next year.
This is only the individual plans and market.
Yes but right now I am pissed at our so called Liberal government here in BC, they raised our insurance rates yet again. This is about the 3rd time since they have been in office . To cover us both it is now $125.50 per month. A few years ago it was $96.00, then it went to $120.50 and now $125.50..........and they call themselves Liberals.
Read an article the other day- Wash Post- eye treatment- 2 k a shot or using a chemo drug, diluted at a specialty shop that does that - 50.00 a crack
The company refuses to produce the chemo drug as they state the new, 2 k per is different- all they did was add a molecule - no difference in the results.
The other thing is - Medicare pays the Dr 6 5 of the drig cost- then their are kickback from the company to the dr.
Guess what happens.
An effective eye drug is available for $50. But many doctors choose a $2,000 alternative. - The Washington Post
An effective eye drug is available for $50. But many doctors choose a $2,000 alternative.
The two drugs have been declared equivalently miraculous. Tested side by side in six major trials, both prevent blindness in a common old-age affliction. Biologically, they are cousins. They’re even made by the same company.
But one holds a clear price advantage.
Avastin costs about $50 per injection.
Lucentis costs about $2,000 per injection.
Doctors choose the more expensive drug more than half a million times every year, a choice that costs the Medicare program, the largest single customer, an extra $1 billion or more annually.
Genentech, a division of the Roche Group, makes both products but reaps far more profit when it sells the more expensive drug. Although Lucentis is about 40 times as expensive as Avastin to buy, the cost of producing the two drugs is similar, according to scientists familiar with the drugs and the industry.
Doctors, meanwhile, may benefit when they choose the more expensive drug. Under Medicare repayment rules for drugs given by physicians, they are reimbursed for the average price of the drug plus 6 percent. That means a drug with a higher price may be easier to sell to doctors than a cheaper one. In addition, Genentech offers rebates to doctors who use large volumes of the more expensive drug.
No one is forced to drive a car, but all Americans are required to have health insurance by virtue of existence.
