Does this make sense? Another Obamacare rant

[nzoner 936]

First off I lost mama nzoner to colon cancer a few years ago so naturally I want to keep up with my screenings.So my Obamacare offers FREE PREVENTIVE screenings as long as I use a doctor in their network.

So I'm on the phone asking questions as I had been forewarned by a friend that it's not all that it seems.They explain to me this is how it works,I get a colon cancer screening and all is good there is no cost  to me.I get the screening and even 1 small polyp is removed the entire bill is on me up to my deductible which in my case is $7900.

My question is this,shouldn't there be at least a few dollars available to be applied to the overall cost up until the actual medical diagnostics begin?

I was even recently told by my doctor that they're office is seeing less and less small business owners(on Obamacare) keeping up with their health screenings etc, because of this very thing.

I seriously don't know what to think anymore.

 

[Strike 3,965]

Uh, you can think what many of us said about Obamacare when it was passed and ever since.  It's a POS and focked up the healthcare system.

[Reality 2,710]

Sucks man..

That Bill was a complete disaster, we told everybody that would listen it would be.  That's Obama's legacy but, the people on the left that told everybody this is what we needed, you don't hear a peep from those folks now..  Thing is, we don't learn anything from these lessons, we still put and keep these idiots in office..

[RLLD 3,455]

5 minutes ago, Strike said:

Uh, you can think what many of us said about Obamacare when it was passed and ever since.  It's a POS and focked up the healthcare system.

Really all you need to know right there....

[nzoner 936]

28 minutes ago, Strike said:

Uh, you can think what many of us said about Obamacare when it was passed and ever since.  It's a POS and focked up the healthcare system.

Yep,I can see it now,"Mr nzoner we did remove one small polyp so the bill on you,but here's a free chainsaw."

[peenie 1,690]

You should call the health insurance company directly and speak to an agent. They will be able to tell you if your friend is correct. From my own experience, having had a colonoscopy earlier this year that I didn't have to pay a penny. Here is the thing, a nurse tipped me off without actually telling me how to avoid paying out of pocket. In short, I was calling to make an appointment with a specialist and she said, "NO, make an appointment with your general care physician and he/she will schedule a routine visit." In other words, if I had called and said, "I'm having issues, please schedule a colonoscopy." I'd have to pay. If I go to my doctor for my yearly exam and she schedules a colonoscopy, then I don't have to pay because it's considered a routine procedure.

My healthcare plan comes through my job, but I'm pretty sure it's the same as Obamacare.

All this complaining, but you forget, before Obamacare you would have to pay. It's only after Obamacare that yearly screenings became free.

[Strike 3,965]

3 minutes ago, peenie said:

You should call the health insurance company directly and speak to an agent. They will be able to tell you if your friend is correct. From my own experience, having had a colonoscopy earlier this year that I didn't have to pay a penny. Here is the thing, a nurse tipped me off without actually telling me how to avoid paying out of pocket. In short, I was calling to make an appointment with a specialist and she said, "NO, make an appointment with your general care physician and he/she will schedule a routine visit." In other words, if I had called and said, "I'm having issues, please schedule a colonoscopy." I'd have to pay. If I go to my doctor for my yearly exam and she schedules a colonoscopy, then I don't have to pay because it's considered a routine procedure.

My healthcare plan comes through my job, but I'm pretty sure it's the same as Obamacare.

All this complaining, but you forget, before Obamacare you would have to pay. It's only after Obamacare that yearly screenings became free.

And this is where you'd be wrong, which seems to be a common occurrence with you.  And you're wrong with your last sentence as well.  I mean, some plans may have made you pay but most decent plans, which employers tend to offer, included a lot of free preventive services. 

[Baker Boy 1,485]

20 minutes ago, peenie said:

 

All this complaining, but you forget, before Obamacare you would have to pay. It's only after Obamacare that yearly screenings became free.

None of this is free!!!! It is included in the plan which is one of the reason we are paying double and triple what we were paying before ObamaCare. Unfortunately most of us don’t need to see a Dr. every year.

Now it appears those that really need it are being locked out.

[Mookz 1,287]

2 hours ago, nzoner said:

Yep,I can see it now,"Mr nzoner we did remove one small polyp so the bill on you,but here's a free chainsaw."

"PS, it's the one we used to remove the polyp."

[peenie 1,690]

32 minutes ago, Baker Boy said:

None of this is free!!!! It is included in the plan which is one of the reason we are paying double and triple what we were paying before ObamaCare. Unfortunately most of us don’t need to see a Dr. every year.

Now it appears those that really need it are being locked out.

Why are you writing this to me when I am only quoting the nzoner. I like how you and Strike have balls to correct me but say nothing to the person who asked the question.

Maybe both of you are blind. Let me help you:

3 hours ago, nzoner said:

So my Obamacare offers FREE PREVENTIVE screenings as long as I use a doctor in their network.

 

Furthermore, my healthcare payments are not triple. They've gone up a bit yearly as they've always done in my lifetime since I've been working (since the 80's).

You and Strike are punk-asses and can stfu.

[IGotWorms 3,310]

Respectfully, your post makes no sense.

The screening is free. Hooray!

Your issue is the absurdly high deductible IF the screening turns up something and IF you get medical intervention as a result.

Whole separate issue.

But I agree that deductible is absurd and you should have better insurance. Certainly Obamacare did not go far enough in that regard and should be improved upon. Or we could go Medicare for All type system and you may have no deductible at all, but that’s probably too far.

[Baker Boy 1,485]

5 minutes ago, peenie said:

Why are you writing this to me when I am only quoting the nzoner. I like how you and Strike have balls to correct me but say nothing to the person who asked the question.

Maybe both of you are blind. Let me help you:

Furthermore, my healthcare payments are not triple. They've gone up a bit yearly as they've always done in my lifetime since I've been working.

Because you said we had to pay for this before but now it is free with Obamacare which is false. The OP was stating that he was told these procedures are not subject to the deductible but found out there was a loophole.

Not everyone is out to get you Peenie! Settle down and get the paranoia out of your head

 

 

 

[Baker Boy 1,485]

1 minute ago, IGotWorms said:

Respectfully, your post makes no sense.

The screening is free. Hooray!

Your issue is the absurdly high deductible IF the screening turns up something and IF you get medical intervention as a result.

Whole separate issue.

But I agree that deductible is absurd and you should have better insurance. Certainly Obamacare did not go far enough in that regard and should be improved upon. Or we could go Medicare for All type system and you may have no deductible at all, but that’s probably too far.

Admit it, Obamacare took us backward and we will never recover. It sure screwed my life up when they took away my options for healthcare.

[Cdub100 3,380]

If you like your doctor you can keep him.

[TBayXXXVII 2,116]

With my insurance, I can never pay more than $5k per person ($10k for my son and I - total), in 1 year.  Once I hit those thresholds, everything else is covered 100% until the next calendar year.

 

Generally, most hospitals will work with you on a payment plan.  To note, I also have a supplemental insurance (Aflac), plan that will pick up certain costs.  One year, when I tore my ACL, my out of pocket costs hit my $4k deductible (at the time), and Aflac sent me a check for $5400.  I used that to pay off my deductible and was able to pocket $1400 for any extra costs in followup visits/PT.  Though, since I am a physical therapist, I didn't have to pay for any PT... just my doctor visits.

[IGotWorms 3,310]

1 hour ago, Baker Boy said:

Admit it, Obamacare took us backward and we will never recover. It sure screwed my life up when they took away my options for healthcare.

I admit the old system was horrible but Obamacare was only a half-measure as far as improvement. Mostly because it’s actually a watered down right-wing plan. No idea what obummer was thinking there with democratic control of both chambers 

[TBayXXXVII 2,116]

2 minutes ago, IGotWorms said:

I admit the old system was horrible but Obamacare was only a half-measure as far as improvement. Mostly because it’s actually a watered down right-wing plan. No idea what obummer was thinking there with democratic control of both chambers 

LOL, that's pretty funny.

[IGotWorms 3,310]

2 minutes ago, TBayXXXVII said:

LOL, that's pretty funny.

Romneycare, but worse

[Strike 3,965]

3 minutes ago, IGotWorms said:

Romneycare, but worse

You have your talking points memorized, I'll give you that much. 

[Hardcore troubadour 12,631]

18 minutes ago, IGotWorms said:

I admit the old system was horrible but Obamacare was only a half-measure as far as improvement. Mostly because it’s actually a watered down right-wing plan. No idea what obummer was thinking there with democratic control of both chambers 

Yes, Mit Romney is a noted right winger. 

[NorthernVike 2,080]

nzoner,   you sell fireworks.  Cash business for the most part.  Take some of the unreported income and pay your deductible.  Get checked.  This is coming from someone who has had 4, count them 4 colonoscopies' in the past few years. 

 

The good thing is I don't have to go back for another ten years.   

[Hardcore troubadour 12,631]

18 minutes ago, IGotWorms said:

I admit the old system was horrible but Obamacare was only a half-measure as far as improvement. Mostly because it’s actually a watered down right-wing plan. No idea what obummer was thinking there with democratic control of both chambers 

The new toilet without a hole in it was better than no toilet? No it wasn't. It just costs more and gets in the way. But the government agreed to buy the new ones anyway, and force some people to buy them. They preffered no toilet.  

[TBayXXXVII 2,116]

20 minutes ago, IGotWorms said:

Romneycare, but worse

He was catering to his constituency.  They're mostly Democrats up there.  Since 1983, there's only been 3 congressmen who were Republican and the the rest Democrat (30 I believe).  Since 1979, they've only had 1 Republican Senator.  Only Reagan won Massachusetts since 1960 in the Presidential elections.

[Reality 2,710]

44 minutes ago, IGotWorms said:

I admit the old system was horrible but Obamacare was only a half-measure as far as improvement. Mostly because it’s actually a watered down right-wing plan. No idea what obummer was thinking there with democratic control of both chambers 

This guy, always good for a giggle, not much else.

[IGotWorms 3,310]

31 minutes ago, Hardcore troubadour said:

Yes, Mit Romney is a noted right winger. 

I probably should’ve said conservative. These days he’s a moderate conservative but that practically makes him V.I. Lenin in your book 

[jerryskids 5,192]

1 hour ago, IGotWorms said:

I admit the old system was horrible but Obamacare was only a half-measure as far as improvement. 

I sometimes wonder if Obamacare was brilliant, if your end goal was single-payer.  Put a turd system in place and eventually it needs to be fixed.  How do you fix it?  You can't just take it away!  Enter the government to take control. 

[IGotWorms 3,310]

20 minutes ago, jerryskids said:

I sometimes wonder if Obamacare was brilliant, if your end goal was single-payer.  Put a turd system in place and eventually it needs to be fixed.  How do you fix it?  You can't just take it away!  Enter the government to take control. 

I dunno, would Obama really want his legacy to be a total failure? I mean the ACA was his signature achievement— why make that something that you hope everyone will agree sucks?

I think he thought it was a better plan than it was, it might’ve been a better plan if everybody (e.g. all the states) was on board instead of declining Medicaid expansion and refusing to set up exchanges, and also I think he just didn’t have the balls to get a better system in place when he had both chambers of Congress. I believe the poor bastard actually thought republicans would come to the table in good faith

[Strike 3,965]

Just now, IGotWorms said:

I dunno, would Obama really want his legacy to be a total failure? I mean the ACA was his signature achievement— why make that something that you hope everyone will agree sucks?

I think he thought it was a better plan than it was, it might’ve been a better plan if everybody (e.g. all the states) was on board instead of declining Medicaid expansion and refusing to set up exchanges, and also I think he just didn’t have the balls to get a better system in place when he had both chambers of Congress. I believe the poor bastard actually thought republicans would come to the table in good faith

Remember when he said they would televise the negotiations on C-CSPAN, and that he'd listen to GOP ideas?  Not one GOP idea is in Obamacare.   You have a warped sense of what constitutes bad faith my friend.  And intelligent people called this thing a failure, my included, before it was even launched.  It's a joke of a plan and failing due to it's own shortcomings.  All at the expense of the individual market.  Obama will go down as a failure of a President. 

[peenie 1,690]

3 hours ago, Baker Boy said:

Because you said we had to pay for this before but now it is free with Obamacare which is false. The OP was stating that he was told these procedures are not subject to the deductible but found out there was a loophole.

Not everyone is out to get you Peenie! Settle down and get the paranoia out of your head

[jerryskids 5,192]

Also nzoner, make sure all of the parties involved with the colonoscopy will take Obamacare.  In our case we had at least three different charges:  doctor, outpatient facility, anesthesiologist.  I feel like there was a 4th but I'm drawing a blank.  Maybe it was a lobotomist.  

[Reality 2,710]

38 minutes ago, IGotWorms said:

I dunno, would Obama really want his legacy to be a total failure? I mean the ACA was his signature achievement— why make that something that you hope everyone will agree sucks?

I think he thought it was a better plan than it was, it might’ve been a better plan if everybody (e.g. all the states) was on board instead of declining Medicaid expansion and refusing to set up exchanges, and also I think he just didn’t have the balls to get a better system in place when he had both chambers of Congress. I believe the poor bastard actually thought republicans would come to the table in good faith

Revisionist history at it's finest.

[nobody 2,037]

3 hours ago, Cdub100 said:

If you like your doctor you can keep him.

I just had an ER visit for a broken leg.  Broken femur and dislocated hip.  Couldn't reset the hip without fixing the femur.  

Ambulance took me to a hospital I didn't want to go to.  Next thing, they try to give me a hand surgeon to fix my leg/hip.  I see no and find three different orthopedic surgeons willing to take my case.  Hospital throws every obstacle in the way blocking a transfer to the hospital I want and in the meantime, tries to shake me down for money.  Then when we finally remove all the roadblocks, they simply inform me they want sign the necessary agreements.  

Finally after 3 days laying in a hospital bed with a broken leg and dislocated hip, they agree to give me a trauma surgeon that specializes in hip and knee.  

Lessons learned:

1. Never let an ambulance take you a bad hospital.  Offer to pay for the longer ride out of pocket.

2. You absolutely can't choose your own doctor.  I had the best ortho in southern California intervening on my behalf and couldn't get him.

3. Our health system straight up sucks.

[Cdub100 3,380]

4 minutes ago, nobody said:

I just had an ER visit for a broken leg.  Broken femur and dislocated hip.  Couldn't reset the hip without fixing the femur.  

Ambulance took me to a hospital I didn't want to go to.  Next thing, they try to give me a hand surgeon to fix my leg/hip.  I see no and find three different orthopedic surgeons willing to take my case.  Hospital throws every obstacle in the way blocking a transfer to the hospital I want and in the meantime, tries to shake me down for money.  Then when we finally remove all the roadblocks, they simply inform me they want sign the necessary agreements.  

Finally after 3 days laying in a hospital bed with a broken leg and dislocated hip, they agree to give me a trauma surgeon that specializes in hip and knee.  

Lessons learned:

1. Never let an ambulance take you a bad hospital.  Offer to pay for the longer ride out of pocket.

2. You absolutely can't choose your own doctor.  I had the best ortho in southern California intervening on my behalf and couldn't get him.

3. Our health system straight up sucks.

John McCain was the deciding vote to change the current system. He voted no.

[IGotWorms 3,310]

18 minutes ago, nobody said:

I just had an ER visit for a broken leg.  Broken femur and dislocated hip.  Couldn't reset the hip without fixing the femur.  

Ambulance took me to a hospital I didn't want to go to.  Next thing, they try to give me a hand surgeon to fix my leg/hip.  I see no and find three different orthopedic surgeons willing to take my case.  Hospital throws every obstacle in the way blocking a transfer to the hospital I want and in the meantime, tries to shake me down for money.  Then when we finally remove all the roadblocks, they simply inform me they want sign the necessary agreements.  

Finally after 3 days laying in a hospital bed with a broken leg and dislocated hip, they agree to give me a trauma surgeon that specializes in hip and knee.  

Lessons learned:

1. Never let an ambulance take you a bad hospital.  Offer to pay for the longer ride out of pocket.

2. You absolutely can't choose your own doctor.  I had the best ortho in southern California intervening on my behalf and couldn't get him.

3. Our health system straight up sucks.

Jesus, what a nightmare

[jerryskids 5,192]

45 minutes ago, nobody said:

I just had an ER visit for a broken leg.  Broken femur and dislocated hip.  Couldn't reset the hip without fixing the femur.  

Ambulance took me to a hospital I didn't want to go to.  Next thing, they try to give me a hand surgeon to fix my leg/hip.  I see no and find three different orthopedic surgeons willing to take my case.  Hospital throws every obstacle in the way blocking a transfer to the hospital I want and in the meantime, tries to shake me down for money.  Then when we finally remove all the roadblocks, they simply inform me they want sign the necessary agreements.  

Finally after 3 days laying in a hospital bed with a broken leg and dislocated hip, they agree to give me a trauma surgeon that specializes in hip and knee.  

Lessons learned:

1. Never let an ambulance take you a bad hospital.  Offer to pay for the longer ride out of pocket.

2. You absolutely can't choose your own doctor.  I had the best ortho in southern California intervening on my behalf and couldn't get him.

3. Our health system straight up sucks.

Jeebus, how did that happen?

Also, did you at least get some fun pain meds?

[nobody 2,037]

13 minutes ago, jerryskids said:

Jeebus, how did that happen?

Also, did you at least get some fun pain meds?

I was drinking in the area ahead of the Rams/Saints game and decided to jump on one of those electric scooters heading to the stadium.  I ended up hitting a crack in the road and flipping.  

[jerryskids 5,192]

5 minutes ago, nobody said:

I was drinking in the area ahead of the Rams/Saints game and decided to jump on one of those electric scooters heading to the stadium.  I ended up hitting a crack in the road and flipping.  

Dang, that story sucks.    Wait, I mean

Plus you should be able to get 7 figures out of a lawsuit settlement, which isn't bad.

[Fireballer 2,381]

1 hour ago, nobody said:

 

Finally after 3 days laying in a hospital bed with a broken leg and dislocated hip, they agree to give me a trauma surgeon that specializes in hip and knee.  

 

Holy fuk bro!  How did you do that?  Kinda hard to break your femur.  Also, thats insane u had to wait that long.  Thats dangerous with a broken hip. 

 

Never mind just saw your response to jerry

[Hardcore troubadour 12,631]

Nobody should have to go through that. 

[jerryskids 5,192]

22 minutes ago, Hardcore troubadour said:

Nobody should have to go through that. 

Why do you hate him so much?