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Message
re: We should all be pissed off about the Affordable Care Act. Obamacare
Posted on 10/23/25 at 5:50 pm to Nole Man
Posted on 10/23/25 at 5:50 pm to Nole Man
quote:
He had to have surgery or would have lost his leg. Guess what the total charge was for the stay, surgeon, factor etc.? $550k. Had I not had good employer-based insurance they might not have done the surgery, or we might have faced financial hardships and/or bankruptcy.
I’m assuming that’s billed charges.
I have friends whose son has hemophilia. He took a job with the state of Missouri to insure that his son had good insurance.
I think we take certain parts of our medical system for granted. Your son had the availability of a vascular or trauma surgeon who could perform the surgery. That’s not true in every country, especially on an emergent basis.
My brother works overseas. A coworker went into the hospital with a heart event in Rome. He went to supposedly the top hospital in Rome (upon direction from my brother). After less than 24 hours, he checked out and flew to New York, choosing to risk getting back to the states than to get local treatment.
We have amazing care available in the states. For some reason, we expect it to be cheap, innovative, of utmost quality and incredibly responsive. That’s simply not how anything works. You don’t walk into the best steakhouse and expect it to be all of those things. But for some reason, we expect it of our healthcare system.
2
Posted on 10/23/25 at 5:56 pm to Champagne
quote:
People would demand Universal Health Care paid for by FedGov.
Essentially you have that with Obamacare.
You make just enough money to not qualify for Medicaid, and you qualify for an Obamacare exchange plan. Some are free due to your income with tax credits.
This post was edited on 10/23/25 at 6:47 pm
Posted on 10/23/25 at 5:58 pm to The Torch
Only Democrats would be unable to figure out dumping trillions into one industry would cause costs in that one industry to skyrocket. If you wanted to slash health care costs, eliminate Medicare/Medicaid.
Posted on 10/23/25 at 6:02 pm to ronricks
Up vote for you man. Most people don’t have the discipline to truly be healthy therefore avoiding going to the hospital and being on drugs. Hospitals are just big business and should only be used for emergency situations
Posted on 10/23/25 at 6:08 pm to the808bass
quote:
I’m assuming that’s billed charges.
Correct. With Payer Allowances, I think the net cost was around $375k to the carrier. Imagine if we'd been private pay? I worked for a hospital for 3 years. Level 1 Trauma. Level 3 Neonatal. We had cases like that all the time. I believe about 37% of our charges were just written off due to cases like that, "premies" etc. Factoring in Medicare, payable at about 37% net, Medicaid, about 34% net, and Managed Care (which paid about 62% net of charges), you can see the issue facing hospitals these days. A big reason you're seeing a lot of rural hospitals close right now. It's an unspoken crisis in our country.
FYI, my son now works for a large carrier with great benefits. He's part of a local hemophilia association here. Many are not so lucky. It's really sad to see kids that want to be normal and just can't.
Posted on 10/23/25 at 6:13 pm to ronricks
Have you ever heard of genetics?
Posted on 10/23/25 at 6:19 pm to Nole Man
quote:
Many are not so lucky.
I would guess your son doesn’t have his job solely because of luck.
Posted on 10/23/25 at 6:42 pm to the808bass
quote:
I would guess your son doesn’t have his job solely because of luck.
Of course not. He worked hard in college. Got a good education and a job with good benefits. The "not so lucky part" is that there are a lot of people with hemophilia, or other genetic diseases, that have also worked hard, even gone to college, may even have a good job, that face financial challenges or even non coverage (see the employer limiting hours thread above).
Health plans can and do impose limits or restrictions that affect access to clotting factor for people with hemophilia; coverage is common, but its terms vary by plan, benefit design, and payer type. Even with good benefits, there can be significant cost-sharing and prior auth requirements.
Private Insurance Coverage
• Lifetime Caps: Historically, many insurance plans had lifetime caps on coverage amounts, which hemophilia patients could quickly exceed. While the ACA has eliminated lifetime and annual limits on essential health benefits, not all expenses might be covered under this designation.
• Pre-existing Condition Clauses: Before the ACA, hemophilia was often considered a pre-existing condition, leading to denied coverage or exorbitantly high premiums. The ACA prohibits these denials and premium adjustments based on pre-existing conditions.
FYI, because of all of the above, when he was a dependent, we just had to budget always hitting our family max of $6,500 / year out of pocket. Still feel blessed to have that coverage despite that, but others aren't as fortunate. That's the point.
Posted on 10/23/25 at 6:56 pm to The Torch
Nancy Pelosi drunk scum of the earth.
You can read after you vote for it.
Fraud from the word go.
You can read after you vote for it.
Fraud from the word go.
Posted on 10/23/25 at 7:08 pm to bluedragon
All I know is my daughter couldn't quit vomiting in March. Fever was high. Went to urgent care and they gave her an anti-nausea med, a motts apple juice box, and a bag thing to puke in. The doctor came in once and literally said "how's it going?" and left. The nurse checked us in the room and took her temp, came back with juice and pill, then came in to discharge us 4 hours later.
They billed us for $1,900. That's fricking absurd.
They billed us for $1,900. That's fricking absurd.
Posted on 10/23/25 at 7:15 pm to Srbtiger06
No insurance?
Posted on 10/24/25 at 9:46 am to bluedragon
We have insurance, they messed up the billing, refiled, and came back at $1,200.
Posted on 10/24/25 at 9:50 am to The Torch
I recently heard a dimo-talking-point that, because it’s been in place for 10 years, the Trump Admin and GOP now ‘own’ this.
What sophistry…
What sophistry…
Posted on 10/24/25 at 9:53 am to ronricks
Actually one thing that screwed up the insurance market was too many employers including health insurance
as a perq…
as a perq…
Posted on 10/25/25 at 7:00 am to Srbtiger06
Means your insurance isn’t worth what you pay for it.
Posted on 10/25/25 at 7:18 am to Brown Dog
quote:
Have you ever heard of genetics?
Genetics doesn’t cause obesity and the many complications associated with it. Genetics also doesn’t make you hit up a Cane’s or Popeye’s drive thru everyday. You making bad choices regarding your diet and exercise isn’t the fault of Federal Government. I’m not on here shilling for Obamacare because it’s garbage and with premiums and deductibles so high you might as well not even have insurance. What I’m saying is you hold the keys to how healthy you are. All the whining and complaining on here about cost of insurance can be significantly reduced if Americans would take better care of themselves. That’s all I’m saying and it seems to be upsetting the fatties on here that are on a litany of prescriptions because of poor choices. Yes, some things are unavoidable but most can be mitigated or reduced with basic health and fitness changes.
Posted on 10/25/25 at 7:22 am to VOR
quote:
Actually one thing that screwed up the insurance market was too many employers including health insurance
as a perq…
Spoken like a true Socialist. What has fricked up our healthcare system the last 40 years:
Obesity
Diabetes
Low IQ Illegal Immigrants using our Emergency Rooms as their primary care doctor.
Remove the obese and the Illegal Immigrants from the equation and healthcare costs would plummet. My company paying for 90% of my health insurance hasn’t screwed anything up.
Posted on 10/25/25 at 7:28 am to 21blackjack
quote:
What a legacy for BHO!
Right but ACA was not his biggest achievement.
His biggest achievement was paving the way for men to use the women’s restroom.
Posted on 10/25/25 at 7:29 am to VOR
Your takes get dumber by the day boomer. It’s time for you to put down the Jitterbug phone or tablet and find a hobby. The internet is too hard for you
Posted on 10/25/25 at 8:20 am to The Torch
Our BC/BS individual policy for a family of four that we had through our small business was $400/month with a $2500 deductible. Less than a year later under Obamacare, that same policy was $1600/month with a $5000 deductible. That forced one of us to go get a corporate job that provided benefits.
Big gov’t hates small businesses.
Big gov’t hates small businesses.
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