Obamacare’s “Sub-Standard Plans” Plan

Comment: Remember those plans the President said he cancelled because they were “sub-standard,” issued by “bad apple” insurance companies?  You know, horrible plans that didn’t cover maternity care for a man, or preventive udder coverage for a steer?

You’ll be glad to know Obamacare’s rules approve employer plans with NO hospitalization. (Gee thanks, O-nonpolitical government-”care”! Great job of keeping down rate-hikes until after the election, all you lying Obamacare-bureaucrats!!)

Insurance consultants were shocked recently to learn that Obama administration rules allow large companies to offer 2015 worker health plans that don’t include hospital benefits.

[...]Offering minimum-value insurance at an affordable price spares companies from fines of as much as $3,120 per worker next year.”

“As previously reported by Kaiser Health News and the Washington Post, industry executives were surprised this summer to see consultants selling calculator-approved plans that lack hospital insurance and cost half as much as similar coverage with hospitalization.

Administration signals doubts about calculator permitting health plans without hospital benefits
By Jay Hancock, October 20, 2014

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Political Fallout: Obamacare Fiasco Threatens Oregon Governor

Comment: Voters are finally finding out what’s in this law, and they’re not happy.

[Oregon Governor] Kitzhaber’s pedestal was already beginning to fracture last October under the weight of the failed Cover Oregon health insurance website. Rather than the triumphant victor, Kitzhaber now finds himself running for re-election as the battered incumbent, on the defensive about Cover Oregon, education and even his fiancee.

Yes We Can!

[...]

That [pension] success was quickly overshadowed by the failure of Cover Oregon, the state’s health insurance exchange. The state received $300 million from the federal government, much of which was to be used to build a website that would allow people to shop for health insurance and enroll online. It never worked.

Another $300 million well-spent! (But then honestly which would you rather have for your $300 million, an Ebola vaccine or another failed, cr@ppy government website? A broken website, of course! Hooray Obamacare!)

A fourth term after this disaster? Really? You got some nerve, Kitzhaber.

Oregon voters, just remember, people get the government they deserve.

Kitzhaber embattled as he seeks 4th term
By JONATHAN J. COOPER, Associated Press
Saturday, October 18, 2014

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Obamacare Consumers–Did You Read the Fine Print?

Comment: Here’s the Obamacare shell game–the administration advertises an attractive premium to make consumers think they’re getting a good deal, then hides the deductible, network limits, prescription restrictions, and co-pays in the fine print.  The net, calculated result is that Obamacare charges you more, and covers less than you think. Caveat emptor, caveat regis.

Consumers also benefit from a provision of the Affordable Care Act that limits out-of-pocket costs, which include deductibles. The limit this year is $6,350 for an individual and $12,700 for a family plan. But in general, the limits apply only to care provided by doctors and hospitals in a plan’s network and do not cap charges for out-of-network care.”

“Dr. Rebecca Love, of Moab, Utah, is well on her way to passing that limit. Dr. Love, 63, who has degenerative arthritis and a host of other health problems, pays $422 a month in premiums for a plan that has a deductible of $6,000. But she has already paid more than $6,000 in medical costs this year that did not count toward her deductible because the doctors and hospitals — more than 100 miles away in Grand Junction, Colo. — were not in her network. (all emphasis added)

Unable to Meet the Deductible or the Doctor
By ABBY GOODNOUGH and ROBERT PEAROCT. 17, 2014

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Deductible Shock Stuns Obamacare Buyers

Comment: Obamacare takes Americans’ money by forcing all Americans to buy things they don’t want, leaving many Americans unable to buy the care they need.

That’s an unavoidable result: Obamacare, adding electronic paperwork, bureaucrats, and middlemen, was the worst possible medicine for a system that was already too costly, bureaucratic, and inefficient.

While high-deductible plans cover most of the costs of severe illnesses and lengthy hospital stays, protecting against catastrophic debt, those plans may compel people to forgo routine care that could prevent bigger, longer-term health issues, according to experts and research.

““They will cause some people to not get care they should get,” Katherine Hempstead, who directs research on health insurance coverage at the Robert Wood Johnson Foundation, said of high-deductible marketplace plans. “Unfortunately, the people who are attracted to the lower premiums tend to be the ones who are going to have the most trouble coming up with all the cost-sharing if in fact they want to use their health insurance.””

“Deductibles for the most popular health plans sold through the new marketplaces are higher than those commonly found in employer-sponsored health plans, according to Margaret A. Nowak, the research director of Breakaway Policy Strategies, a health care consulting company. A survey by the Kaiser Family Foundation found that the average deductible for individual coverage in employer-sponsored plans was $1,217 this year.”

“In comparison, the average deductible for a bronze plan on the exchange — the least expensive coverage — was $5,081 for an individual and $10,386 for a family, according to HealthPocket, a consulting firm. Silver plans, which were the most popular option this year, had average deductibles of $2,907 for an individual and $6,078 for a family.“” (emphasis added)

Unable to Meet the Deductible or the Doctor

By and OCT. 17, 2014
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Obamacare’s Deductible Bait-and-Switch

Comment: Another Obamacare success story–a woman with a brain aneurysm forced to skip preventive care for it, thanks to Obamacare.  (The news isn’t all bad, however. The miracle that is Obamacare ensures that Ms. Wanderlich, 61, is guaranteed pre-natal care and lactation services for free!)

Patricia Wanderlich got insurance through the Affordable Care Act this year, and with good reason: She suffered a brain hemorrhage in 2011, spending weeks in a hospital intensive care unit, and has a second, smaller aneurysm that needs monitoring.”

“But her new plan has a $6,000 annual deductible, meaning that Ms. Wanderlich, who works part time at a landscaping company outside Chicago, has to pay for most of her medical services up to that amount. She is skipping this year’s brain scan and hoping for the best.

Unable to Meet the Deductible or the Doctor
By ABBY GOODNOUGH and ROBERT PEAROCT. 17, 2014

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Top Tweets – Watch for Falling Rocks!

Follow us @ObamacreTrthSqd
Now tweeting links

The quality of care people receive is declining because of Obamacare.  Watch for falling rocks!  One or more will land in your lap:

Doc faults #Obamacare for disrupting post-surgical care

The insured, especially w/hi deductibles, worry about not being able to pay med bills; change behavior

Docs spend $60-70,000 to set up EHRs and document the codes properly.

4 ways in which #Obamacare restricts people from spending their own money on their own healthcare

Medicaid expansion forces up to 80% of new enrollees off better private plans

More on #ACA smoke and mirrors: Did u really #getcovered when u must pay $976 every 2 wks for cancer drug?

Another #Obamacare lie – end of medical bankruptcy. Out-of-network charges new source of unpayable debt.

Poll: only 11% of insured paying more under #Obamacare feel they are getting higher-quality care

WARNING, HARD HAT AREA. GOVERNMENT MASTERMINDS at WORK.

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Lying Congress-Weasels Illegally Obtain Obamacare Small Business Benefits

Comment: Obamacare’s SHOP exchange provides benefits, restricted by law exclusively to small businesses with fewer than 50 employees [GERMs warning: link connects to evil Healthcare.gov] in 2014. Congress itself is a large employer, employing thousands of staff. Nevertheless, lying Congress-weasels have submitted applications to the D.C. exchange swearing that their employer employs fewer than 50.

A conservative public interest law firm sued the D.C. health exchange Wednesday for letting members of Congress get health insurance through their small-business portal even though each chamber on Capitol Hill employs thousands of people.”

“Judicial Watch says the District knowingly accepted documents from the House and Senate that attest to employing less than 50 people, clearing the way for it to use the SHOP exchange reserved for small employers.” (all emphasis added)

Group sues D.C. Obamacare exchange over Capitol Hill sign-ups
By David Sherfinski and Tom Howell Jr. – The Washington Times – Wednesday, October 15, 2014

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Obamacare: Won’t Publish Rate Hikes … ‘Til After the Election!!

Your New Premium?  You Have to Vote Before We Can Tell You What’s In It

Comment:  Obamacare’s House of Lies, latest installment–you don’t get to hear Obamacare’s real costs until after the election.  How on earth is a government by the People supposed to make good voting decisions when a nauseatingly dishonest government full of lying politicians constantly hides the truth from them?

Would you trust these people handling your care? Guess what, now they do–GovERnMent-run medicine (we call it “Deadly GERMs”).

Those planning to purchase health insurance on the Obamacare exchange will soon find out how much rates have increased — after the Nov. 4 election.”

[...] “Robert Laszewski, president of Health Policy and Strategy Associates, said in a Monday column in USA Today that “when it comes to a lack of openness and transparency about Obamacare, this administration has no peer.””

“Even so, details about cost increases are trickling out in states with pivotal Senate contests: Alaska, Iowa and Louisiana. All three states are wrestling with double-digit premium hikes from some state insurance companies on the exchange, which has fueled another round of Republican attacks on the Affordable Care Act.

Obamacare website won’t reveal insurance costs for 2015 until after election
By Valerie Richardson – The Washington Times – Tuesday, October 14, 2014

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Did HHS Divert Ebola Money Shoring Up Obamacare?

Comment: Today’s news includes charges that government budget limits have harmed the CDC’s ability to protect Americans from Ebola.

Protecting Americans is a basic function of the Federal government.  The ObamacareTruthSquad notes, however, that CDC’s parent agency, the Dept. of Health and Human Services, seems to have had higher priorities.

FIXING OBAMACARE’S FAILED WEBSITE   HHS lavished at least $121 million dollars of its supposedly scarce funds to “fix” Healthcare.gov, the failed Obamacare website that famously debuted to scathing reviews last October, 2013  (setting world-records for government fiasco, misrepresentation, and incompetence).

ADVERTISING   In 2014, HHS spent an estimated $684 million just advertising its failed Obamacare website, and has asked for $774 million more in 2015.

HIDING MEDICARE CUTS   In 2012, HHS also diverted at least $8.3 billion dollars of its funds shoring up the faltering law, in an effort to cover up the effect of Obamacare’s Medicare Advantage cuts. The sum diverted nearly equals the CDC’s entire $10.2 billion dollar 2013 annual budget.

Has Obamacare jeopardized America by diverting precious Ebola-prevention money to Obamacare’s failures?  Some prominent progressives would seem to think so.

–OCTS original reporting, October 14, 2014

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Obamacare Policy-Holders Can’t Afford Treatment

Comment: Obamacare is not affordable, and it’s not care.

Edward Frank of Reynoldsville, Pennsylvania, said he bought a plan with a $6,000 deductible last year through HealthCare.gov. That’s in the high range, since deductibles for popular silver plans on the insurance exchanges average about $3,100 — still a lot.

Unless you get desperately ill and in the hospital for weeks, it’s going to cost you more to have this plan and pay the premiums than to pay the bill just outright,” said Frank, who ended up paying $4,000 of his own money for treatment of shoulder pain.

Bingo. Plain ol’ citizen Ed Frank is smarter than a million bureaucrats. Frank thinks just paying the doctor himself is cheaper than paying for all these middlemen, and he’s right. Frank wins the prize!

The deductibles are so high, you don’t get much of anything out of it,” said Frank, who is in 50s and looking for a new job.”

Exactly.

 

Poll: Many insured struggle with medical bills
By RICARDO ALONSO-ZALDIVAR and JENNIFER AGIESTA
Oct. 13, 2014 1:01 PM EDT

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