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RE: ObamaCare and Making it Work for You - 9/12/2013 7:18:11 PM   
BenevolentM


Posts: 3394
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quote:

ORIGINAL: tazzygirl

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.


quote:

ORIGINAL: BenevolentM

ALTCS is the sicko organization I was talking about.


Though ALTCS is the sicko organization I was talking about with government everything is a monopoly. I suppose it is possible that there is some other aspect to the service/disservice they provide that is worth looking into/applying for. So this may prove useful. It may be that once ObamaCare kicks in she may become qualified for long term care, but won't be this year because the nature of the service and its rules changed. I sure hope so. ALTCS as it presently exists is in my opinion evil.

It is my understanding that she is getting all the assistance that is available for the cost of medications, but her copay is not zero nor a trivial amount such a dollar. I am wondering that once ObamaCare comes online if more could be done to reduce her copay on medications. Her other out of pocket expenses are higher than what she has to pay on her copay on her medications, however.

One of the strange aspects of copay on medications is that it can cost less than the cost of over the counter medications. If you need an over the counter medication, there is no assistance. I don't see how that makes sense. If you need it, you need it. What difference does it make if it is an over the counter medication or not.

I am looking into what sort of assistance is available.

If you need assistance I heard that October will be a good time to look into getting medical insurance. There is going to be a roll out. I don't know if this is for the United States or just Arizona.

(in reply to tazzygirl)
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RE: ObamaCare and Making it Work for You - 9/12/2013 7:45:30 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		I wouldn't be so upset about ALTCS if it was just about money. They degrade you as a person. In effect they say to you, "You need long term care?", then spit on you, then ask you again if you want it followed with an explanation why being spat on is only the beginning.

There are other reasons to be concerned as well. If you die, they will shed no tears. This is very clear. Unfortunately, what some people say about it may be accurate. They keep you around as long as you have money, then they kill you. Why this seems plausible is that no one gives a damn about you if you are over a certain age. If they give you something that kills you and your death is not the result of natural causes, the death was the result of natural causes as far as everyone is concerned. It also seems plausible to me because feeling unloved can be enough to kill you. ALTCS is not loving. This is a deadly cocktail.

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RE: ObamaCare and Making it Work for You - 9/12/2013 7:47:34 PM   
BenevolentM


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Status: offline 		So what am I saying? I am saying that with them it isn't just about the money, it is about sadism. They are sadistic.

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Profile   Post #: 23
RE: ObamaCare and Making it Work for You - 9/12/2013 7:54:01 PM   
BenevolentM


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Joined: 11/15/2006
Status: offline 		It is my understanding that ObamaCare was intended to stop to this sort of thing. I hope it can and does.

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RE: ObamaCare and Making it Work for You - 9/12/2013 8:19:19 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		At the hospital I was told how wonderful ALTCS was and how ALTCS gives you a variety of options. I was also told given what I told them there wouldn't be a problem. It wasn't until I spoke with ALTCS on the telephone that I was shown their true colors. I since looked further into it. It isn't a simple matter of qualifying due to lack of affordability as with medicaid. I do not understand how a person can qualify for medicaid, yet not be qualified for long term care. It is an absurdity. These facts are furthermore kept secret. These are things you learn about after the fact. Consequently, you cannot plan ahead for it.

There is a reason why they don't tell you about it ahead of time. There is an loop hole that people in the know exploit, but you must know about it five years ahead of time. It used to be three years.

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RE: ObamaCare and Making it Work for You - 9/12/2013 8:24:43 PM   
BenevolentM


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quote:

ORIGINAL: BenevolentM

I do not understand how a person can qualify for medicaid, yet not be qualified for long term care.


So what are they telling you? Drop dead?

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RE: ObamaCare and Making it Work for You - 9/12/2013 8:43:01 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		Here is a web page on the topic.
http://www.myaltcs.com/

quote:


Did you know that more than 73% of ALTCS applications are denied benefits? Many of these applicants could potentially qualify for ALTCS with the right planning and correct information.


If you did not specifically consult a specialist in elder law years ago and you need long term care, you might be screwed. It is worse than the language of their advertising suggests.

(in reply to BenevolentM)
Profile   Post #: 27
RE: ObamaCare and Making it Work for You - 9/12/2013 8:49:59 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		If you end up in a similar circumstance, I would recommend seeing an elder attorney prior to making contact with ALTCS even if it turns out that the attorney can do nothing to help you just to spare you the trauma.

(in reply to BenevolentM)
Profile   Post #: 28
RE: ObamaCare and Making it Work for You - 9/12/2013 11:17:16 PM   
graceadieu


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quote:

ORIGINAL: JeffBC

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.



There is crazy waste and unncessary expenses in the US healthcare systems. Insurance companies that own medical supply companies, for example, and require hospitals to buy supplies from them at crazy marked-up prices, the cost of which the insurance company than turn around and uses as an excuse to raise insurance premiums.

In Japan, an MRI costs $100 out-of-pocket. Because that's how much it costs, and the government doesn't allow insane markup in medicine. In the US, you'd pay thousands for the same procedure.

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RE: ObamaCare and Making it Work for You - 9/13/2013 12:54:52 AM   
BenevolentM


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quote:

ORIGINAL: graceadieu

There is crazy waste and unncessary expenses in the US healthcare systems. Insurance companies that own medical supply companies, for example, and require hospitals to buy supplies from them at crazy marked-up prices, the cost of which the insurance company than turn around and uses as an excuse to raise insurance premiums.

In Japan, an MRI costs $100 out-of-pocket. Because that's how much it costs, and the government doesn't allow insane markup in medicine. In the US, you'd pay thousands for the same procedure.


The state of Arizona in particular has a bad reputation. The state of Arizona is the bottom of the barrel.

The problem she is facing is that the care she receives is generic. It is not a function of what her medical condition requires. If your condition requires more care than what most conditions require, you are screwed. You are treated like a generic entity.

Her problem is not the cost of an MRI scan. One of the problems she has encountered is they refuse to provide caregiver training. What they do give you is minimal and you must fight for it. The patient is put between the rock and the hard place because they don't want the caregivers who are uncompensated taking their jobs away on one hand and they don't want to provide you with the professional services you need.

It gets even worse. She cannot get to her doctor because the transportation company, she needs a wheelchair access vehicle, cannot show up on time. She is being denied access to medical services. She needs a wheelchair access vehicle, but it seems likely that it will be a cold day in Hell before she gets one. As such she is being denied all of the infrastructure that has been created for people with disabilities which is a travesty when you consider how much money was spent on that.

They don't want to put out period and so I would say it has less to do with markup than you might think. They are pennywise and pound foolish. They will spend lasciviously on one thing and get crazy cheap on another. They will count pennies when it makes no sense to count pennies. They behave as if the profit margin was small when it is large. I suppose this may have to do with the non-profit model. Instead of declaring a profit you spend it. You become a for profit institution without having to declare a profit. For example, instead of paying a salary of 50,000 a year you pay a salary of 100,000. Low and behold, your profits vanish! Though this may not be true today, it may be where the problem originated. This would help explain the contradictory behavior. How is it possible for there to be so much money and for the system to behave as if it was starving.

(in reply to graceadieu)
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RE: ObamaCare and Making it Work for You - 9/13/2013 1:11:07 AM   
BenevolentM


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quote:

ORIGINAL: BenevolentM

... This would help explain the contradictory behavior. How is it possible for there to be so much money and for the system to behave as if it was starving.


Personally, I think should be paid me for my analysis. Why? Because I'm good. Though I'm good I doubt anyone is going to be hiring me any time soon.

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Profile   Post #: 31
RE: ObamaCare and Making it Work for You - 9/13/2013 1:53:59 AM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		To offer a clarification. What I am saying is that the non-profit model does not scale well. Elements of the modern healthcare system continues to follow a non-profit model even if the institutions are for profit because a non-profit model ironically optimally enriches its actors. The non-profit model assumes that the majority of its actors are impoverished, people who have made a vow of poverty, for example. As the industry moved towards a for profit model, no doubt in a growth phase, it discovered that the non-profit model paid well and a hybrid organization that contained elements of both types of organization better still.

The cells are packed together immobile, pressing against each other. This simulates starvation. When the cells are lean, the blood vessels are not constricted. When the cells are bloated, the flow of blood is constricted. A for profit model discourages cells from becoming bloated. The head may get bloated, but the majority of the body is not. The head must relieve itself of pressure, however. It does this by spending money. When the money is spent wisely everything works out.

They may be able to get MRI scans down to $100, but how do you replace the services provided by nurses, more specifically nursing assistants. So that is the interest Japan has with the use of robotics in the medical field. They hit a wall. They figured out a way to get the cost of MRI scans down, but haven't yet figured out a way to reduce the cost of the basic medical services provided by nursing staffs.

Who among you will show me respect? As usually it will be thought of as too much ask for.

(in reply to BenevolentM)
Profile   Post #: 32
RE: ObamaCare and Making it Work for You - 9/13/2013 2:11:06 AM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		The Japanese respect their elderly whereas our elderly are not. That is the real reason why they are scrambling to solve this problem. That they will soon have a high percentage of their population in need of such services is secondary.

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RE: ObamaCare and Making it Work for You - 9/13/2013 2:15:56 AM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		Vows of poverty do not mix with the American way of life.

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Profile   Post #: 34
RE: ObamaCare and Making it Work for You - 9/13/2013 10:25:14 PM   
BenevolentM


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Joined: 11/15/2006
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quote:


One-third of all Medicaid spending is for long-term care, much of it to middle- and upper-income retirees who transfer their assets to other family members in order to appear poor and qualify for the program.


She qualifies financially, yet is unqualified which is sad. She has no family with money to support her through this.

quote:


CLASS, Obamacare’s ... long-term-care entitlement, was ... "suspended" indefinitely.


The article is dated 10/14/2011.

http://www.forbes.com/sites/aroy/2011/10/14/its-official-class-obamacares-long-term-care-entitlement-to-be-suspended-indefinitely/

They humiliate the poor and the rich are rewarded. Those who are aware of the loop hole and exploit it are not humiliated. For the wealthy who qualify there are no problems. If you have money their attempt to humiliate you has no effect, water off a ducks back. It only has effect if you are poor. She is poor. Consequently, I cannot fathom from a fiscal point of view why they seek to humiliate applicants. It is pure sadism.

If what they are saying in the article continues to be accurate, it appears that ObamaCare is not going to do anything for her; she's screwed and there is nothing that can be done.

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Profile   Post #: 35
RE: ObamaCare and Making it Work for You - 9/13/2013 10:34:25 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		American Association for Long-Term Care Insurance

quote:


Obamacare will not impact long term care planning and makes no changes to long term care insurance.


http://www.aaltci.org/news/long-term-care-insurance-news/long-term-care-insurance-is-not-changed-by-obamacare

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RE: ObamaCare and Making it Work for You - 9/13/2013 10:39:10 PM   
BenevolentM


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Joined: 11/15/2006
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quote:


Obamacare fails to address the growing coverage gap.

Despite the 2,200 page, $2.5 trillion effort known as the Affordable Care Act and the 20,000 pages of Obamacare regulations, there is a growing coverage gap that Obamacare fails to address. As a result, millions of Americans have been driven into poverty and the trend will continue.

It is uncommon for Americans to have long-term care insurance. This means they will have to dig into their own pockets if they end up in a nursing home or need home health care due to stroke, Alzheimer’s disease or other long term disabilities. Long-term care is the most significant out-of-pocket medical cost for the elderly and a leading cause of personal bankruptcy. Nursing homes typically cost more than $90,000 per year and home health care can run close to $10,000 per month.

Medicare only provides minimal coverage for nursing homes or home care like short-term recovery from acute illnesses and hospitalizations. Dementia and other long-term disabilities can result in costs for $200-$400 per day over the course of several years.

Two-thirds of working households approaching retirement have failed to save one year’s income. The most feasible option to cover a family member with a long-term disability is to exhaust family income and assets to qualify for nursing home care through state Medicaid programs. While the allowed assets that the family can keep varies by state, it is generally close to $1,500 in monthly income.


http://www.theeldercarefirm.com/2013/08/obamacare-and-long-term-care-insurance/

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Profile   Post #: 37
RE: ObamaCare and Making it Work for You - 9/13/2013 11:02:29 PM   
BenevolentM


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Joined: 11/15/2006
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quote:


The most feasible option to cover a family member with a long-term disability is to exhaust family income and assets to qualify for nursing home care through state Medicaid programs.


They worked it in the state of Arizona so that if you did not exploit the loop hole, your estate is going to stick with you like an albatross. You must become a homeless person in the full sense of the term, poverty alone is not enough.

But they go even further than this. They want your burial plot and your life policy.

And, it doesn't matter if your life policy is likely to be insufficient to cover your burial expenses. In other words, they have no interest in preserving your dignity as a human being. To them you are fish food.

< Message edited by BenevolentM -- 9/13/2013 11:33:32 PM >

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RE: ObamaCare and Making it Work for You - 9/13/2013 11:35:39 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
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quote:

ORIGINAL: BenevolentM

They want your burial plot and your life policy.


This is where it becomes clear that it isn't just about the money.

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Profile   Post #: 39
RE: ObamaCare and Making it Work for You - 9/13/2013 11:46:46 PM   
BenevolentM


Posts: 3394
Joined: 11/15/2006
Status: offline 		The figures they quote concerning how much it costs are inflated in that it can be done with less money. The problem she is having is they are willing to spend lavishly on the professionals, but will get crazy cheap with the patient and the patient's uncompensated caregiver.

(in reply to BenevolentM)
Profile   Post #: 40
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