ObamaCare and Making it Work for You

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BenevolentM -> ObamaCare and Making it Work for You (9/7/2013 1:57:11 AM)
I know someone who requires medical care. She is from Arizona. In my opinion the system has given every indication that it has abandoned her to die a slow and horrible death. Before you all feel that this unusual, don't. It is way the state does business. The problem is deeply entrenched. It is my understanding that the govenor of the state of Arizona has changed her position on ObamaCare and is now for it and as such ObamaCare is coming, perhaps at the beginning of next year. Getting back to my story, in only a short while she reached her cap. She was released not because she could no longer benefit from further care, but because her insurance was no longer willing to pay and this is an important time for her medically speaking. It didn't take long for her insurance to expire and they are cheap ass as a certain someone in the forum once put it. Financially she qualifies for the state run long term care, but doesn't qualify due to technicalities. First of all they degrade you and make it as unattractive as possible in a way that I would characterize as perverse. They are I feel technically speaking perverts. As such I can relate to some of the arguments posed here, how could you call us perverts when there is so much perversion in the world that is taken as a matter of course? What they are demanding is sickening. They are not going to get it what they want and as a consequence she is without long term care. The state also did a screw job on its citizens with Medicare. I wish I had the means to teach them a lesson. I brought the matter up to the Catholic Church and they didn't want to hear it. It didn't want to hear that the state was doing something that was highly immoral. So what am I to think of the Catholic Church? It challenges your faith. How else am I to characterize it? I am wondering is there anything I can do. I feel there is medical malpractice, but the attorneys are concerned that their investment will be lost if she should die. In my opinion there is another problem as well. Due to the way the legal system works, no systemic problem can be addressed. If the problem is systemic, no one wants to touch it. It reminds me of what happened when our economy crashed in 2008. Because the problem was systemic, the professionals didn't want to touch it.

DomKen -> RE: ObamaCare and Making it Work for You (9/7/2013 2:53:27 AM)
If her insurance says she has reached her lifetime limit you need to do some investigating. Almost all insurance plans lifetime limits are banned. Yearly limits are banned starting in 2014.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 3:50:45 AM)
By 2014 no amount of money will be able to fix the damage they will have done.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 4:09:10 AM)
It is my opinion that she is a victim of a chemical attack, as such I can relate to the victims of the chemical attacks in Syria. In my opinion a drug was given to her by her doctor in order to kill her, though it was allegedly meant to keep her safe from harm much as the Nazis poisoned individuals and declared the death was one due to natural causes. No doubt some will feel that the accusation is over the top. It is like being kidnapped by a UFO in the middle of the night. You know it happened, but will anyone believe you?

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 4:16:27 AM)
A chemical can cause damage to every cell in the body whereas a bullet, for example, only damages the affected organs.

tazzygirl -> RE: ObamaCare and Making it Work for You (9/7/2013 4:17:33 AM)
Q. Does the new health care reform law eliminate annual and lifetime limits on health care coverage in insurance policies? Yes. On Sept. 23, lifetime limits are effectively banned for all plans that begin or are renewed after that date. Insurance companies can no longer cut off policy holders when their medical expenses reach a lifetime limit. Annual limits on coverage will be phased out over the next few years, beginning this year. ........ The law phases out these annual limits over a period of three years: in the first year, insurers must cover medical expenses up to at least $750,000. That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. http://www.aarp.org/health/health-care-reform/info-08-2010/hcr_explained.html

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 5:02:56 AM)
This may be useful because I cannot even fathom that she even came close to having $2 million in expenses. The problem seems to be with the state of Arizona refusing to comply. That that sort of capital at her disposal there shouldn't be any problems at all. quote: ORIGINAL: tazzygirl That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. http://www.aarp.org/health/health-care-reform/info-08-2010/hcr_explained.html

MrRodgers -> RE: ObamaCare and Making it Work for You (9/7/2013 5:25:10 AM)
Well this is why in countries that have govt. run, national health care systems, have citizens that live 3-4 years longer (that's going up too) and at 1/2 the cost. Seems here is yet another case in likely millions, that point out that in America as usual, it is not about health care, its about...money and profits. No, America (govt.) takes care of (insures) capital and agric. profits and the like...not people. That would be socialism. It's a moral statement and I think I know the word here. Anybody else know that word ?

defiantbadgirl -> RE: ObamaCare and Making it Work for You (9/7/2013 8:05:58 AM)
quote: ORIGINAL: tazzygirl Q. Does the new health care reform law eliminate annual and lifetime limits on health care coverage in insurance policies? Yes. On Sept. 23, lifetime limits are effectively banned for all plans that begin or are renewed after that date. Insurance companies can no longer cut off policy holders when their medical expenses reach a lifetime limit. Annual limits on coverage will be phased out over the next few years, beginning this year. ........ The law phases out these annual limits over a period of three years: in the first year, insurers must cover medical expenses up to at least $750,000. That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. http://www.aarp.org/health/health-care-reform/info-08-2010/hcr_explained.html Will annual limits be banned from Medicare as well or does this only apply to private health insurance?

MrRodgers -> RE: ObamaCare and Making it Work for You (9/7/2013 8:38:48 AM)
quote: ORIGINAL: defiantbadgirl quote: ORIGINAL: tazzygirl Q. Does the new health care reform law eliminate annual and lifetime limits on health care coverage in insurance policies? Yes. On Sept. 23, lifetime limits are effectively banned for all plans that begin or are renewed after that date. Insurance companies can no longer cut off policy holders when their medical expenses reach a lifetime limit. Annual limits on coverage will be phased out over the next few years, beginning this year. ........ The law phases out these annual limits over a period of three years: in the first year, insurers must cover medical expenses up to at least $750,000. That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. http://www.aarp.org/health/health-care-reform/info-08-2010/hcr_explained.html Will annual limits be banned from Medicare as well or does this only apply to private health insurance? As far as I understand medicare, the only changes in Obamacare is the Drs. and hospitals will no longer be able to rape it. Medicare is the gift that keeps on giving. The very idea that doctors are getting out of it...is unmitigated bullshit. Medicare has been a cash cow.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 9:48:55 AM)
Medicine is expensive, but not that expensive. For example, if I were to hire a private duty nurse, how much would it cost? It would be expensive, but not that expensive. If you were living in a nursing home, you would be time sharing the nurse with a bunch of other people. MRI scans, specialists, and the like cost money, but not that much. quote: ORIGINAL: BenevolentM This may be useful because I cannot even fathom that she even came close to having $2 million in expenses. The problem seems to be with the state of Arizona refusing to comply. That that sort of capital at her disposal there shouldn't be any problems at all. quote: ORIGINAL: tazzygirl That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. http://www.aarp.org/health/health-care-reform/info-08-2010/hcr_explained.html

tazzygirl -> RE: ObamaCare and Making it Work for You (9/7/2013 10:26:12 AM)
quote: Will annual limits be banned from Medicare as well or does this only apply to private health insurance? Are Medicare supplemental and Medicare Advantage plans also prohibited from limiting coverage? Yes, for the most part, but not because of the health care reform law’s ban. Medicare supplemental insurance (medigap) and Medicare Advantage plans are regulated by earlier laws that already prohibit annual and lifetime limits. However, medigap policies sold before 1992 can impose limits. Medicare Advantage plans have no lifetime limits because they have to offer coverage that is at least as good as traditional Medicare, says Vicki Gottlich, senior policy attorney at the Center for Medicare Advocacy in Washington, D.C. “There has never been a cap on the total amount of benefits for which Medicare will pay,” she explains. So Medicare Advantage plans have to follow suit.

JeffBC -> RE: ObamaCare and Making it Work for You (9/7/2013 2:03:11 PM)
quote: ORIGINAL: BenevolentM Medicine is expensive, but not that expensive. For example, if I were to hire a private duty nurse, how much would it cost? It would be expensive, but not that expensive. If you were living in a nursing home, you would be time sharing the nurse with a bunch of other people. MRI scans, specialists, and the like cost money, but not that much. As is always true, my perspective of an american expat in canada just wants to make me cry at how brutal, callous, and expensive the US healthcare system is. Here's a silver lining for you though. Sure, your friend may die but at least that death purchased one or more CEO's a new yacht so someone's winning out of this.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 4:52:12 PM)
quote: ORIGINAL: tazzygirl ... Vicki Gottlich, senior policy attorney at ... "There has never been a cap on the total amount of benefits for which Medicare will pay," she explains. The state of Arizona found a way to screw its citizens out of Medicare. She has Medicare, but she doesn't have Medicare. It has to do with what the state has been pushing. They cover you through an insurance company and thereby the state side steps Medicare.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 5:09:34 PM)
I can see why people opt to self-insure and pay for everything out of pocket. If you have the money, it isn't worth it. The care you will receive will be below what is achievable on your own. If you need a hospital bed, you make the selection and buy what your doctor feels you need and what you feel you need instead of the crap they give you. You must concern yourself at all times with what is in the best interest of the insurance company and not what is in your best interest. If you are paying for everything out of pocket at least you get a say how the money is spent. You get to decide what sort of bed you are going to sleep in. With them it is all one size fits all.

tazzygirl -> RE: ObamaCare and Making it Work for You (9/7/2013 5:15:21 PM)
http://tucsoncitizen.com/medicare/2010/09/16/individual-health-insurance-no-more-lifetime-limits/ http://tucsoncitizen.com/medicare/tag/medicare-savings-program-arizona/ Without knowing exactly what program she is on, I cant help any further.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 5:25:00 PM)
quote: http://tucsoncitizen.com/medicare/tag/medicare-savings-program-arizona/ ... the ALTCS office (Arizona Long Term Care System) handles applications for this help. ALTCS is the sicko organization I was talking about.

JeffBC -> RE: ObamaCare and Making it Work for You (9/7/2013 5:25:58 PM)
quote: ORIGINAL: BenevolentM I can see why people opt to self-insure and pay for everything out of pocket. Sure, but insurance is hardly the beginning and end of the problem in the US. Let's remember that at least for routine medical care I paid less in Canada totally uninsured than I did in the US under my very nice corporate insurance policy. Yup, copays alone exceeded the undiscounted rate for basics like a dr visit and getting a prescription and even for certain of the pills. It really is obscene on every level except possibly the pay scales of the actual doctors, nurses, etc. although even that I'd need to look into.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/7/2013 5:51:15 PM)
quote: ORIGINAL: JeffBC ... insurance is hardly the beginning and end of the problem in the US. I agree because when I began looking into legal remedies it is clear that the courts are actually a part of the problem. They encourage monopolies to exist. You are not permitted to correct them nor punish them. What you get at best is a settlement. This encourages bad behavior instead of correcting it. The settlement won't put them out of business. The legal costs are for them just another operating expense. Having such operating expenses, however, insures that no one can afford to compete with them. So what you end up with a small number of organizations at the top who can get away with anything. I believe some of the problems stem from the legal mind. We can't spend money on the patient because it enriches the patient. The patient is the plantiff or defendent in the case. You can be enrichened only after the case is won and not before; that would be unethical. On the other hand, we can enrich third disinterested parties, the professionals lavishly. No one has analyzed the underlining assumptions. The legal system makes assumptions that do not work generally. They only work in certain types of cases that were historically of interest to the legal system. When it comes to modern problems, they fail us.

BenevolentM -> RE: ObamaCare and Making it Work for You (9/8/2013 12:04:03 AM)
Unfortunately, it is possible that she may be a victim of ObamaCare as well as state policies. Maybe someone who is more familiar with ObamaCare could tell me if this is so. quote: ORIGINAL: BenevolentM I feel there is medical malpractice, but the attorneys are concerned that their investment will be lost if she should die. This may be a symptom of a change in the law where the law firm must assume the risk and the most publicized change is ObamaCare.

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