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Lower Health Insurance Premiums to Come at Cost of Fewer Choices
NY Times ^ | Sept 22, 2013 | By Robert Pear

Posted on 09/23/2013 6:22:37 PM PDT by Jim Robinson

WASHINGTON — Federal officials often say that health insurance will cost consumers less than expected under President Obama’s health care law. But they rarely mention one big reason: many insurers are significantly limiting the choices of doctors and hospitals available to consumers.

From California to Illinois to New Hampshire, and in many states in between, insurers are driving down premiums by restricting the number of providers who will treat patients in their new health plans.

When insurance marketplaces open on Oct. 1, most of those shopping for coverage will be low- and moderate-income people for whom price is paramount. To hold down costs, insurers say, they have created smaller networks of doctors and hospitals than are typically found in commercial insurance. And those health care providers will, in many cases, be paid less than what they have been receiving from commercial insurers.

Some consumer advocates and health care providers are increasingly concerned. Decades of experience with Medicaid, the program for low-income people, show that having an insurance card does not guarantee access to specialists or other providers.

Consumers should be prepared for “much tighter, narrower networks” of doctors and hospitals, said Adam M. Linker, a health policy analyst at the North Carolina Justice Center, a statewide advocacy group.

(Excerpt) Read more at nytimes.com ...


TOPICS: Front Page News; Government; News/Current Events
KEYWORDS: aca; democrats; govtabuse; healthexchanges; obama; obamacare
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1 posted on 09/23/2013 6:22:37 PM PDT by Jim Robinson
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To: Jim Robinson

Of course.

It is intended to destroy one of the best healthcare systems in the world.


2 posted on 09/23/2013 6:23:38 PM PDT by BenLurkin (This is not a statemet of fact. It is either opinion or satire; or both.)
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To: Jim Robinson

How is it that the cost of Insurance In California is said to be set to increase by 70 percent...while these people go on about new New NEW Lower Cost Unsurance?


3 posted on 09/23/2013 6:26:51 PM PDT by MeshugeMikey ( Un-Documented Journalist / Block Captain..Tyranny Response Team)
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To: Jim Robinson

We will see higher premiums and fewer choices.


4 posted on 09/23/2013 6:27:50 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: Jim Robinson

SAVE America, SAVE the little guy, Defund, Destroy, Delete Obamacare...now....Today!!! (WWW.DONTFUNDOBAMACARE.COM) Sign up!!!


5 posted on 09/23/2013 6:30:26 PM PDT by JLAGRAYFOX ( My only objective is to defeat and destroy Obama & his Democrat Party, politically!!!)
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To: mylife

Wonder how people will like the $10,000 deductible they will have with that cheap mandatory health insurance?


6 posted on 09/23/2013 6:30:53 PM PDT by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: 9422WMR

According to the Georgia Insurance Commissioner, a single guy in his 30s currently pays around $43 a month. Next year, that’s 3 months from now, it will go up to $108 a month. I don’t see how someone working at McDonald’s can afford that.


7 posted on 09/23/2013 6:33:53 PM PDT by VerySadAmerican (".....Barrack, and the horse Mohammed rode in on.")
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To: 9422WMR

Obama will blame it on the pubbies somehow.


8 posted on 09/23/2013 6:37:20 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: mylife

Correctamundo! Fewer choices, fewer doctors, less care, death panels, rationing, the IRS looking up you ass, er, name and address rather than your doctor AND higher, MUCH higher costs!! And less freedom everywhere. Fewer jobs, fewer hours, less productivity, less work, less pay and with the now unlimited government snooping and controlling every little aspect of our lives.


9 posted on 09/23/2013 6:39:19 PM PDT by Jim Robinson (Resistance to tyrants is obedience to God!!)
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To: Jim Robinson

Nooo shit.....


10 posted on 09/23/2013 6:39:53 PM PDT by Lurker (Violence is rarely the answer. But when it is it is the only answer.)
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To: Jim Robinson
Lower Health Insurance Premiums

What insurance premiums are they looking at?

11 posted on 09/23/2013 6:40:34 PM PDT by matt04
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To: Jim Robinson

Scarcity is the regular status of this world. Shortages are government created. Obamacare is creating a shortage.

It won’t be cheaper. It won’t be better.


12 posted on 09/23/2013 6:40:44 PM PDT by 1010RD (First, Do No Harm)
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To: Jim Robinson

And all you have to do to get an exemption is to convert to Islam.


13 posted on 09/23/2013 6:44:16 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: Jim Robinson

Spent time today with my doc talking about this.

He said it’s already horrible, he has no idea what will happen. He’s already gotten visits from the Obama Nazis, who were armed with orders signed by Obama. He said they basically spent the day giving him and his office a proctology exam. He said there are over 100K new insurance codes. He is NOT happy.

As for us, we have been notified that our cancellation letter is coming. They are pushing people off the premium PPO’s onto standard , or HMO’s, and it will cost the same PLUS an extra 2% “ACA fee”.

I mean, there is an extra ACA fee attached to all the premiums. Never heard about that from Obama!


14 posted on 09/23/2013 6:51:18 PM PDT by I still care (I miss my friends, bagels, and the NYC skyline - but not the taxes. I love the South.)
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To: Jim Robinson

There is no healthcare coverage.


15 posted on 09/23/2013 6:52:58 PM PDT by freekitty (Give me back my conservative vote; then find me a real conservative to vote for)
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To: mylife

That isn’t true.

If anyone wants to see some estimated premiums in the California Exchange, you can fill in income and family details here:

http://www.coveredca.com/calculating_the_cost.html

It give you the estimated monthly silver plan premium.

I don’t line in CA but it turned out this calculator gave some pretty good estimates for my own state, whose calculator came out a bit later.


16 posted on 09/23/2013 6:53:30 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: VerySadAmerican

“Next year, that’s 3 months from now, it will go up to $108 a month. I don’t see how someone working at McDonald’s can afford that.”
They can’t. The deal is people making lower wages like the gift they get from the fed as a “tax return”. They will no longer get the gift from Uncle Sam they have given with no interest.
May make peopl wise up and claim 10 dependants so the gov takes out less money each week.
There is no enforcement in obamacare right now. Later there will be.


17 posted on 09/23/2013 6:53:31 PM PDT by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: Jim Robinson
Federal officials often say that health insurance will cost consumers less than expected...

Federal officials? Okay....(rolling eyes)

18 posted on 09/23/2013 6:55:24 PM PDT by BookmanTheJanitor
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To: Jim Robinson

Oh the MSM are out there already cherry picking examples of how much people will save. They are making no effort to address the under 50 crowd that is healthy and won’t buy the insurance. The other thing they are not addressing is the cost and subsequent rises in rates that will take place as soon as the insurance companies get into it for a year or so. And finally, doctors will simply not accept the reimbursement rates and refuse to take many people.


19 posted on 09/23/2013 6:55:37 PM PDT by RetiredTexasVet (Excessive numbers of coincidences are known as patterns.)
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To: steve86

Looks like my premium will quadruple.


20 posted on 09/23/2013 6:56:22 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: mylife

I’d like to see some substantiation on that.
Can you provide the subsection of the law that references this?

The only religious exemption I can find is for groups that are currently outside the Soc Sec system, which includes Amish and Mennonites.


21 posted on 09/23/2013 6:56:28 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: 9422WMR
Wonder how people will like the $10,000 deductible they will have with that cheap mandatory health insurance?

Platinum: No deductible
Gold: No deductible
Silver: $2,000 Medical Deductible
Bronze: $5,000 for Medical and Drugs

22 posted on 09/23/2013 6:56:38 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: mylife

Mine is going up around $90 but, then, I’m in a new age category also.


23 posted on 09/23/2013 6:58:00 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

Not for family vato. Add it up.


24 posted on 09/23/2013 6:59:09 PM PDT by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: nascarnation

Hey! I read it on the internets!


25 posted on 09/23/2013 7:01:15 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: MeshugeMikey

Well they must mean it will be lower for the people who will get if for free like the people who get the obamaphones, They will see lower or no premiums while you and I will be paying for it and in my case I will get to pay a penalty but will have no insurance because I wont be able to afford the premiums. FBO


26 posted on 09/23/2013 7:01:55 PM PDT by funfan
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Comment #27 Removed by Moderator

To: 9422WMR

Yes, I think that is individual. Max out of pocket for family I just posted.


28 posted on 09/23/2013 7:03:43 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: mylife

No offense but I’m not buying it until I see some links.


29 posted on 09/23/2013 7:04:24 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: nascarnation

Muslims aren’t exempt. He was joking or just spouting off. It has been claimed many times on FR but isn’t true.


30 posted on 09/23/2013 7:07:06 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

LET ME TRY THAT AGAIN

Maximum out-of-pocket for one:

Platinum: $4,000
Gold: $6,350
Silver: $6,350
Bronze: $6,350

Family:

Platinum: $8,000
Gold: $12,700
Silver: $12,700
Bronze: $12,700


31 posted on 09/23/2013 7:09:50 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

They did a news article on a DFW local station tonight. Two health navigators were walking the street and went up and knocked on an apartment door in shady neighborhood. Fat Mexican holding a light skinned kid came to the door. The two insurance whores started telling him how he and his family was eligible for insurance. No way in hell is that guy going to pay $2 dollars fo insurance for himself and his half dozen kids and esposa.
They will just keep showing up at the emergency room and expecting free healthcare.


32 posted on 09/23/2013 7:10:44 PM PDT by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: 9422WMR
They will just keep showing up at the emergency room and expecting free healthcare.

Very possible.

33 posted on 09/23/2013 7:11:44 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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Govt involvement will lower premiums... sure it will.


34 posted on 09/23/2013 7:14:07 PM PDT by Gene Eric (Don't be a statist!)
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To: Jim Robinson

Ultimately, fewer choices will translate into more sick people, followed in short order with more dead people — many of whom were perfectly content with their coverage and their plan before ReBamaLosi “reformed” healthcare.


35 posted on 09/23/2013 7:25:14 PM PDT by JohnBrowdie (http://forum.stink-eye.net)
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To: MeshugeMikey

“Federal officials often say that health insurance will cost consumers less than expected...”

Guess they “expected” much higher rates. Still BS but it sounds better.


36 posted on 09/23/2013 7:26:08 PM PDT by Henry Hnyellar
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To: 9422WMR
They will just keep showing up at the emergency room and expecting free healthcare

And then, when the hospital decides to close the emergency room in order to stay in business...
37 posted on 09/23/2013 7:26:29 PM PDT by LostInBayport (When there are more people riding in the cart than there are pulling it, the cart stops moving...)
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To: LostInBayport

The hospitals do get federal funds to try and offset those unpaid ER visits — that’s one thing they’re trying to reduce but probably won’t work.


38 posted on 09/23/2013 7:37:12 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: Jim Robinson

Invest in rope. I predict a lot of it is going to be needed in D.C.


39 posted on 09/23/2013 7:37:31 PM PDT by Old Yeller (Who am I to judge homosexuals? That's what the Tony Awards are for.)
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To: Jim Robinson
And this article is courtesy of...not some right-wing source, but the reliably liberal New York Times...
40 posted on 09/23/2013 7:38:36 PM PDT by AmericanExceptionalist (Democrats believe in discussing the full spectrum of ideas, all the way from far left to center-left)
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To: mylife

One of the things that is happening to my doctor clients: Networks are combining behind the scenes and docs are ending up in networks they know nothing about, did not agree to join and would never join because of the incredibly low reimbursement rate.

If this happens with enough doctors, managed plans will find themselves with no doctors for patients to see.


41 posted on 09/23/2013 7:42:35 PM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: Jim Robinson

“Dr. Barbara L. McAneny, a cancer specialist in Albuquerque, said that insurers in the New Mexico exchange were generally paying doctors at Medicare levels, which she said were “often below our cost of doing business, and definitely below commercial rates.”

What’s the point of participating for providers if the reimbursement is below cost? This will be insurance in name only, access will be terrible, and the best solution will be the penalty for most middle and lower income folks.


42 posted on 09/23/2013 7:46:11 PM PDT by grumpygresh (Democrats delenda est. New US economy: Fascism on top, Socialism on the bottom.)
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To: Jim Robinson
Doctors at some point will be forced to be good comrades and accept the sub-standard reimbursement rates of the exchanges.

Also, they've been telling us everyone can be insured now. In typical liberal fashion, they leave out that while you may have "insurance" per se, you may not be able to pay the copays or deductibles required to actually use it. But that doesn't matter. It's not about health. It's about the jackboot on your neck.

43 posted on 09/23/2013 8:02:55 PM PDT by informavoracious (We're being "punished" with Stanley Ann's baby. Obamacare: shovel-ready healthcare.)
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To: informavoracious

Communism never works.


44 posted on 09/23/2013 8:09:35 PM PDT by Jim Robinson (Resistance to tyrants is obedience to God!!)
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To: Jim Robinson

The myth of lower premiums won’t survive the first year of Obamacare, nor will the economy.


45 posted on 09/23/2013 8:26:38 PM PDT by pallis
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To: funfan

the regime...never expected this bill to be used.

its was deisgned to further DIVIDE people

when word gets to the “underclass” that they are getting this BIG Freebie....because of middle class WORKING people...it wont be pretty and Obama doesnt want it to be.


46 posted on 09/23/2013 8:32:18 PM PDT by MeshugeMikey ( Un-Documented Journalist / Block Captain..Tyranny Response Team)
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To: Jim Robinson

the >”right” people< have gotten their chance at making it work this time ...and its already fallen flat on its behind. amazing that


47 posted on 09/23/2013 8:34:04 PM PDT by MeshugeMikey ( Un-Documented Journalist / Block Captain..Tyranny Response Team)
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To: MeshugeMikey

He is evil I am afraid of him. Honestly it seems to me since he was elected in 2008 there has been constant turmoil and lots of big and bad things happening and I do not find them a coincidence.


48 posted on 09/23/2013 10:21:03 PM PDT by funfan
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To: Jim Robinson

Went to doctor today and was asked to sign off on new HIPA forms release. Asked doctor what the hell was this for? New government requirements for electronic forms and releasing of information if requested. WTF!!!!

Did not sign and told him would not sign. Told him to get on with his work and government can stay the hell out of my medical records. He proceeded without signature.

Anybody else run across this male bovine scat??


49 posted on 09/24/2013 1:06:10 AM PDT by eartick (Been to the line in the sand and liked it)
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To: steve86

Oh, the irony of that website you linked. It says, on the side, that if a family of 3 has an income of $26,000 or less per year, they are eligible to sign up for Medi-Cal. Medi-Cal is the same program I grew up with—which has covered the poor in CA for as long as I can remember.

This idea that we needed some sort of massive federal government program to make sure everyone gets coverage has always been a lie. There have been programs to cover the most poor all along.

I buy insurance for my son. It started out at $160/mo (kind of expensive). Thanks to Obamacare, it has gone up to $233/mo (even more expensive). All I want is a policy that will cover emergencies... policies that cover everything just increase the cost of medical care.


50 posted on 09/24/2013 3:29:36 AM PDT by exDemMom (Now that I've finally accepted that I'm living a bad hair life, I'm more at peace with the world.)
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