The Affordable Care Act on the one year anniversary of the Patient’s Bill of Rights

[Ausm]

It's been 1 years since the affordable Health Care Act has been passed and I have included a link which goes into great detail on the changes to Healthcare benefits that have been implemented and the future changes that will go into affect.

I just wish this Bill could have been stronger to bad it had to be watered down for Blue Dog Democrats to sign on but in my opinion it's a good start.

I would like to share a personal experience of how this bill was beneficial in my own family. My niece who is 23 had no Health insurance at all previous to the bill being passed since that time she came down with an extreme case of Chrohn's disease and had to get her colon removed luckily due to the new healthcare law she was able to be on her parents insurance which saved her from going through financial ruin at the age of 23.

http://www.healthcare.gov/law/resources/reports/patients-bill-of-rights09232011a.pdf

 

[PokerGuy]

Yay, lets all celebrate that complete steaming pile of crap of a bill. Not.

Just wait to see how wonderful you'll think it is when you try to get an appointment with a PCP and it takes 4 months.

 

[Genx87]

This will come off sounding like I am a dick. But how does one go through financial ruin at 23? What wealth does a 23 year old have? Ever heard of the phrase "I owe you 10,000 dollars, I have a problem, I owe you 100,000 dollars, you have a problem"?

Which state does she live in?

 

[Ausm]

This will come off sounding like I am a dick. But how does one go through financial ruin at 23? What wealth does a 23 year old have? Ever heard of the phrase "I owe you 10,000 dollars, I have a problem, I owe you 100,000 dollars, you have a problem"?

Which state does she live in?

Being saddled with over 250K of medical bills without insurance at 23 years of age sure as hell would not lead to being financially prosperous.

 

[Ausm]

Yay, lets all celebrate that complete steaming pile of crap of a bill. Not.

Just wait to see how wonderful you'll think it is when you try to get an appointment with a PCP and it takes 4 months.

I never saw a better alternative coming from the party of NO.

 

[Genx87]

Being saddled with over 250K of medical bills without insurance at 23 years of age sure as hell would not lead to being financially prosperous.

If she owes 250K in medical bills, she doesnt have a problem, the people who she owes have a problem.

And what state does she live in?

 

[Modelworks]

yeah , it really helped me. I now have prescriptions to pay for that my insurance no longer cover thanks to it. Currently doing without them against medical advice because I can't pay the $10 / pill refill. Insurance company cites changes in health care law as the reason. The gov needs to GTFO of my business.

 

[WackyDan]

Yup... It sure helped me too. Now my FSA can't be used for some meds that were over the counter, but now require a script for the FSA to cover them... and the doctor requires a visit in order to write said script the first time meaning I pay a co-pay, and have to take time out of my day on an un-needed appointment.

Furthermore, next year is the last year I'll have a $5100 cap on my FSA. For 2013's enrollment the FSA cap is reduced to a federally mandated $2500. To put things in perspective for you... I've used every bit of that $5100 each year these last couple of years due to my wife's medical needs and now that of my daughter who was born 13 weeks premature. The reform bill will now expose $2600 of my income to taxes, while increasing my out of pocket costs on health care. Why they chose to wack FSA's like that is beyond me, other than the tax grab.

Way to fucking go Democrats...You really are helping, but in bad way.

 

[Genx87]

Yup... It sure helped me too. Now my FSA can't be used for some meds that were over the counter, but now require a script for the FSA to cover them... and the doctor requires a visit in order to write said script the first time meaning I pay a co-pay, and have to take time out of my day on an un-needed appointment.

Furthermore, next year is the last year I'll have a $5100 cap on my FSA. For 2013's enrollment the FSA cap is reduced to a federally mandated $2500. To put things in perspective for you... I've used every bit of that $5100 each year these last couple of years due to my wife's medical needs and now that of my daughter who was born 13 weeks premature. The reform bill will now expose $2600 of my income to taxes, while increasing my out of pocket costs on health care. Why they chose to wack FSA's like that is beyond me, other than the tax grab.

Way to fucking go Democrats...You really are helping, but in bad way.

The FSA thing is ridiculous. What purpose does it serve the middle class to stop them from exempting parts of their income to pick up the slack in health costs their health insurance wont?

 

[xBiffx]

Funny how liberals parade around and tout their precious "Patient's Bill of Rights" while at the same time wiping their asses with the actual Bill of Rights. If you followed the ladder, you wouldn't need any of this other garbage.

 

[fskimospy]

The bill hasn't done anything for me, but in 2014 it will be the most meaningful piece of federal legislation that has ever been passed. As I've mentioned on here I had cancer a few years ago and not only would my individual health care premiums be through the roof, but they wouldn't cover any recurrence due to a pre-existing condition.

Starting in 2014 I can live my life the way I want, work the jobs I want, etc, without being forced to hide within group health care plans because of our failed insurance markets. It's not the single payer system we so obviously need, but it's a start.

 

[xBiffx]

Starting in 2014 I can live my life the way I want, work the jobs I want, etc, without being forced to hide within group health care plans because of our failed insurance markets.

Newsflash. Americans have been able to do this since 1776.

 

[fskimospy]

Newsflash. Americans have been able to do this since 1776.

Newsflash. You don't understand anything about American history or the Constitution. I think we've made that clear in previous threads.

Additionally, while it is technically true that I could do whatever I wanted even if it meant sacrificing my health insurance it would be exceedingly foolish to do so. So no, as a responsible and rational adult I don't casually place myself at the imminent risk of financial ruin and/or death because I want to pursue a new job.

There are many people like me out there, and this is bad news for our whole society as you always want labor factors to be as mobile as possible.

 

[Genx87]

The bill hasn't done anything for me, but in 2014 it will be the most meaningful piece of federal legislation that has ever been passed. As I've mentioned on here I had cancer a few years ago and not only would my individual health care premiums be through the roof, but they wouldn't cover any recurrence due to a pre-existing condition.

Starting in 2014 I can live my life the way I want, work the jobs I want, etc, without being forced to hide within group health care plans because of our failed insurance markets. It's not the single payer system we so obviously need, but it's a start.

Couldnt this have been accomplished by tweaking medicare\medicaid?

If we are going down this road. I'd be ok with a catastrophic insurance provided by the govt. That means rather large individual deductibles(5K). Looking at the current solution. It is like we are trying to keep our unsustainble insurance where we pay 15 dollar copays on hundreds and thousands of dollars worth of service. There is a huge disconnect between the end user and the service provider.

 

[shadow9d9]

Couldnt this have been accomplished by tweaking medicare\medicaid?

If we are going down this road. I'd be ok with a catastrophic insurance provided by the govt. That means rather large individual deductibles(5K). Looking at the current solution. It is like we are trying to keep our unsustainble insurance where we pay 15 dollar copays on hundreds and thousands of dollars worth of service. There is a huge disconnect between the end user and the service provider.

All you want is more taxpayers to pay!

We already pay for the elderly(the sickest and most expensive) and the poor.. and now you want us to pay for more!

Friggin socialists.

 

[xBiffx]

Newsflash. You don't understand anything about American history or the Constitution. I think we've made that clear in previous threads.

Additionally, while it is technically true that I could do whatever I wanted even if it meant sacrificing my health insurance it would be exceedingly foolish to do so. So no, as a responsible and rational adult I don't casually place myself at the imminent risk of financial ruin and/or death because I want to pursue a new job.

There are many people like me out there, and this is bad news for our whole society as you always want labor factors to be as mobile as possible.

So getting a new job is what would have killed you, not cancer? Its a strange world you liberals live in. Seems to me that I've been told numerous times that no one would be denied care if they were going to die. Now you are telling me the exact opposite. But hey, distort things so that they fit your agenda.

And get off the constitution rap, no one gives a shit what you think about what I say. Plenty of people on here agree with me so when you try to demean what I say, no one is listening.

 

[fskimospy]

Couldnt this have been accomplished by tweaking medicare\medicaid?

If we are going down this road. I'd be ok with a catastrophic insurance provided by the govt. That means rather large individual deductibles(5K). Looking at the current solution. It is like we are trying to keep our unsustainble insurance where we pay 15 dollar copays on hundreds and thousands of dollars worth of service. There is a huge disconnect between the end user and the service provider.

I would be very much down with a national catastrophic plan of some sort combined with health savings accounts, Singapore style. (probably along with some subsidies for the poor)

I view this bill as a step along a process to getting an actual sane health care policy in our country, but there was no way in hell you were going to pass a form of single payer national catastrophic insurance last year.

 

[shadow9d9]

Yay, lets all celebrate that complete steaming pile of crap of a bill. Not.

Just wait to see how wonderful you'll think it is when you try to get an appointment with a PCP and it takes 4 months.

Umm, you'd rather 40 million people go uninsured while you could pick up the ER bills... all so that you could get seen by a doctor ahead of them?

Really? Is that the spirit of being an american?

 

[shadow9d9]

So getting a new job is what would have killed you, not cancer? Its a strange world you liberals live in. Seems to me that I've been told numerous times that no one would be denied care if they were going to die. Now you are telling me the exact opposite. But hey, distort things so that they fit your agenda.

And get off the constitution rap, no one gives a shit what you think about what I say. Plenty of people on here agree with me so when you try to demean what I say, no one is listening.

Stop listening to what you are "told" and try to learn something for yourself for a change.

ERs will absolutely not help cancer patients. Cancer patients without insurance do not get regular treatment by ERs. They simply die in the US.

If you think that having people agree with you means anything... well, you could go to a website to find people to agree with you on any issue, including white supremacy.

 

[fskimospy]

So getting a new job is what would have killed you, not cancer? Its a strange world you liberals live in. Seems to me that I've been told numerous times that no one would be denied care if they were going to die. Now you are telling me the exact opposite. But hey, distort things so that they fit your agenda.

No, you idiot. I'm glad to see that you're talking about more shit that you don't understand the first thing about.

No one is denied emergency care, but in a lot of areas ongoing treatments that you come in for day after day like chemotherapy aren't considered 'emergency treatment'. So yes, you can absolutely be denied them. Secondly, that care is exceptionally expensive. If you have assets as I do, they can and will be seized to pay for the tens or hundreds of thousands of dollars worth of medical bills that a cancer recurrence could cost me. So even if I were to get the care I needed, I would be financially ruined by it. All because I can't buy effective single person insurance.

Think before you type next time, you ignorant jackass. I'm talking from personal experience with this exact issue.

And get off the constitution rap, no one gives a shit what you think about what I say. Plenty of people on here agree with me so when you try to demean what I say, no one is listening.

I don't care who agrees with you, that would just show that they share your ignorance. That doesn't mean you get to come on here and say these dumb things as if they are fact and not be called out on it.

 

[xBiffx]

Stop listening to what you are "told" and try to learn something for yourself for a change.

ERs will absolutely not help cancer patients. Cancer patients without insurance do not get regular treatment by ERs. They simply die in the US.

If you think that having people agree with you means anything... well, you could go to a website to find people to agree with you on any issue, including white supremacy.

Your ignorance is magnificent. My mother survived breast cancer and wouldn't have done so without being treated at the ER on more than one occasion. But hey, what would I know.

 

[Ausm]

If she owes 250K in medical bills, she doesnt have a problem, the people who she owes have a problem.

And what state does she live in?

Why wouldn't it be her problem are you claiming she would Welch on her bills?

Why are you harping on finding out what state she lives in ? Are there States that allow people to not pay their Medical obligations?

 

[Ausm]

Newsflash. Americans have been able to do this since 1776.

Yes you can freely switch your job at anytime but no you can't take your insurance with you unless you have your own private coverage.

 

[a777pilot]

BoboCare is going to ruin this country. It needs to be done away with, and soon.

What we need is Insurance reform in the way of making insurance more competitive.

We need more doctors and health care workers.

We need tort reform.

We DON'T need the federal government trying to run the health care system.

 

[xBiffx]

No, you idiot. I'm glad to see that you're talking about more shit that you don't understand the first thing about.

No one is denied emergency care, but in a lot of areas ongoing treatments that you come in for day after day like chemotherapy aren't considered 'emergency treatment'. So yes, you can absolutely be denied them. Secondly, that care is exceptionally expensive. If you have assets as I do, they can and will be seized to pay for the tens or hundreds of thousands of dollars worth of medical bills that a cancer recurrence could cost me. So even if I were to get the care I needed, I would be financially ruined by it. All because I can't buy effective single person insurance.

Think before you type next time, you ignorant jackass. I'm talking from personal experience with this exact issue.



I don't care who agrees with you, that would just show that they share your ignorance. That doesn't mean you get to come on here and say these dumb things as if they are fact and not be called out on it.

I am thinking, I am reading what you typed. You said you would die if you changed jobs. Now you are saying that you would just be financially ruined if you had done so. Got news for you, my mother is a cancer survivor as well. She is bankrupt and still paying for treatment nearly 10 years later. Your arguments are falling on deaf ears here.

I seemed to know a lot of nothing about a lot I do know much about. Not everyone is as ignorant as you liberals you know.