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Obamacare consumers: Time to pay up
politico ^ | 1/11/2014 | By BRETT NORMAN

Posted on 01/11/2014 5:30:51 AM PST by tobyhill

Many insurers should know by Friday how many of the 2 million-plus Obamacare sign-ups have actually converted into premium-paying customers. Yet an array of payment deadline extensions by other plans means that what critics have been demanding — a full count of Americans insured under Obamacare — won’t be available until next month.

Companies are scrambling to ensure that individuals who committed to plans online in fact put their money where their mice are. They’re staffing call centers and even making robocalls to get procrastinators to finalize their first premium payment.

But the effort has been complicated by several dysfunctional state exchanges and, of course, by the massive early troubles of HealthCare.gov. Well into November, the federal portal was failing to send many people’s enrollment files to insurers or, in even more cases, sending files with errors, making it difficult or impossible for insurers to follow up.

Health plans and experts said Thursday that a significant number of those who signed up — perhaps as many as half — still had not paid. But they emphasized that customers’ lag was not surprising given the surge of people who enrolled just before the Dec. 24 deadline and the time it takes to receive their files from the exchanges, send out bills and get payments in return. Last month’s big push was for coverage beginning Jan. 1.

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


TOPICS: Extended News; News/Current Events
KEYWORDS: abortion; deathpanels; obamacare; obamacareenrollment; obamacarepremiums; zerocare

1 posted on 01/11/2014 5:30:51 AM PST by tobyhill
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To: tobyhill

Invoice?
Insurance premium?
I gotta pay?
I don’t understand.
I thought Obama was paying for it out of his “stash”.

You wait...gonna happen on a relatively large scale.


2 posted on 01/11/2014 5:35:57 AM PST by Cletus.D.Yokel (Catastrophic Anthropogenic Climate Alterations: The acronym defines the science.)
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To: All
OOPS, OBAMATONS NEVER FIGURED ON ACTUAL "DISCLOSURES"....in a required SEC filing, Humana disclosed to investors, "as a result of Dec 2013 federal and state regulatory changes allowing certain individuals to remain in their previously existing off-exchange health plans, the Company now expects the risk mix to be more adverse than previously expected."

That change Humana is referring to is Obama's unilateral "administrative fix" aimed at allowing individuals to remain enrolled in plans that had been cancelled--imposed by Obama's signature healthcare law mandates. Obama announced the "fix" after a storm of criticism over his broken promise that anybody who liked their plan could keep it.

UT, OH---TROUBLE AHEAD With 2016 in mind, Bill Clinton, himself, called on Obama to "honor the commitment he made" that people should be able to keep their health care plans. But lately the Clinton camp has been distancing itself from Obamacare as the problems associated with it become more apparent to the not-amused American electorate.

Tevi Troy, Hudson Institute scholar's remarkable prophecy a year and a half before the USSC's decision, after Nov 2010 midterms, in which Democrats in Congress and in state legislatures suffered huge losses.....due to O/Care. In Commentary magazine, Troy wrote: "The Pyrrhic victory Democrats secured for themselves [when Obama signed ACA into law] may prove not to have been a victory at all but rather an ever-roiling, ongoing, and recurring act of political and ideological self-destruction."

===============================================

LOCK-STEPPING PARTY LOYALTY NOT SEEN SINCE 1940's ERA EUROPE Obama And The Dumbos marching in lockstep. The persistent Dumbocrat drumbeat ---- in obeisance to Obama ---- kept ringing reassuringly in our ears: "If you like your plan, you can keep your plan."

3 posted on 01/11/2014 5:37:17 AM PST by Liz
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To: tobyhill

ObamaCARE is about fees, fines, redistribution, and taxes.

No so much about HEALTHCARE.

Death from ObamaCARE is coming soon to every block
in the USA. The screams will be deafening by 2015.


4 posted on 01/11/2014 5:39:12 AM PST by Diogenesis
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To: tobyhill
Even if people can pay initially, there will be tons of defaults thereafter. Most people don't have the ability to add $500 plus a month to the family budget. And they certainly don't have an extra $5,000 - $15,000 for a deductible.

They've so screwed up the system, there is no way it will function for long. But I presume that was planned.

5 posted on 01/11/2014 5:48:36 AM PST by Lawgvr1955 (Sic Semper Tyrannis)
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To: tobyhill

6 posted on 01/11/2014 5:49:31 AM PST by JPG (Yes We Can morphs into Make It Hurt.)
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To: tobyhill

In “Guvspeak”, “as many as half havent paid” translates as 90% haven’t paid and about half of those are lost in the system. The other half will be double or tripled charged...But denied coverage when they ask.


7 posted on 01/11/2014 5:50:29 AM PST by Caipirabob (Communists... Socialists... Democrats...Traitors... Who can tell the difference?)
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To: Cletus.D.Yokel

That’s like the homeowners who show up at the tax office asking why they are receiving property tax bills. “You owe property tax”.
Uh uh, Obama is president and I don’t have to pay no taxes!
True story that has occurred multiple times at a county tax office in TX.
It makes one think that these people were told if they voted for Obumer, their bills would be paid!!

You can’t fix stupid.


8 posted on 01/11/2014 5:51:10 AM PST by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: tobyhill
I have a nagging question in the back of my mind.

What would we think of an insurance company that has proved itself to be as inept as Obamacare has been?

9 posted on 01/11/2014 5:52:25 AM PST by Slyfox (We want our pre-existing HEALTH INSURANCE back!)
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To: tobyhill
Obamacare consumers US Taxpayers: Time to pay up

Fixed it!

10 posted on 01/11/2014 6:01:21 AM PST by MAexile (Bats left, votes right)
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To: Slyfox

The perception of inadequacy is being distorted by government meddling. The goal of the government left wing wackos is to implement their Utopian agenda. To feel good trumps to function.

Insurance works because long tried and true calculations are made of risk. When the calculations are thrown away and policies are sold based on mandates, risk is not a factor in the cost calculation. The premium is no longer insurance it is merely a collection to offset unknown total cost.

The result is that the insurance companies did not make poor risk assessments, they were forced to abandon that which is known to function. They are being forced to be implementers of a system that will succeed only if there is a miracle.

By tinkering and adjusting and screwing around, Obama is attempting to produce the miracle.


11 posted on 01/11/2014 6:12:39 AM PST by bert ((K.E. N.P. N.C. +12 ..... History is a process, not an event)
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To: Cletus.D.Yokel

Exactly right. They ain’t gonna pay. They want/expect someone else to pay for them.


12 posted on 01/11/2014 6:15:50 AM PST by Starboard
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To: bert
By tinkering and adjusting and screwing around, Obama is attempting to produce the miracle.

Obama and his cohorts are all HOPE-ing that at some point their vaunted Utopia will just all of a sudden kick into gear and every "problem" they have knowingly introduced will disappear.

And I am not kidding.

13 posted on 01/11/2014 6:22:08 AM PST by Slyfox (We want our pre-existing HEALTH INSURANCE back!)
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To: bert

The goal of the government left wing wackos is to implement their Utopian agenda.

**********
ZeroHedge had a post this morning about an editorial in Rolling Stone magazine that was promoting the left’s utopian economic vision. Here’s the link:

http://www.zerohedge.com/news/2014-01-10/rolling-stone-resurrects-karl-marx-and-no-it-was-not-satire


14 posted on 01/11/2014 6:25:28 AM PST by Starboard
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To: tobyhill
Let's assume for the sake of argument that there have been 2 million people who signed up and paid for ObamaCare.

In California, there's somewhere around 5 million people who lost their insurance when Obamacare took effect.

In Florida, somewhere around another 1.8 million lost their insurance.

Here in Illinois, over 800,000 have lost their insurance due to Obamacare.

Seems to me ObamaCare is causing MORE people to LOSE their insurance than it is actually "helping."

Would LOVE to see a total of how many people in all 50 states have lost their insurance due to Obamacare. Is there a source somewhere with that information?

15 posted on 01/11/2014 6:26:45 AM PST by usconservative (When The Ballot Box No Longer Counts, The Ammunition Box Does. (What's In Your Ammo Box?))
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To: tobyhill
Socialist healthcare...it inevitably leads to the same place it historically does:


16 posted on 01/11/2014 6:28:29 AM PST by Caipirabob (Communists... Socialists... Democrats...Traitors... Who can tell the difference?)
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To: tobyhill

Even if these people pay their first month’s high-priced premium, there is a good chance they will not be able to afford to keep the payment up every month and a good percentage will just let their policies lapse through non-payment. Even people who are not well-versed in economics (which is a large percentage of the population), will quickly see that they can’t afford the expensive premiums.

And if they go to the doctor or hospital, they will find out the hard way that even though they have insurance they are paying an arm and a leg for (no pun intended), they still have to pay for most of their medical treatment out of their pocket by way of the high deductibles before the insurance even kicks in. And even after that, they will owe 20-30% co-pays.

Many will drop their coverage and pay the fine (sorry, TAX) if the IRS can find them and pay as they go with cash for their medical treatments. They will save money that way and with most people hurting from Obama’s “thriving” economy, they will realize that having insurance through ObamaCare exchanges is robbing them blind.


17 posted on 01/11/2014 6:41:30 AM PST by HotHunt
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To: tobyhill


18 posted on 01/11/2014 6:52:04 AM PST by Chode (Stand UP and Be Counted, or line up and be numbered - *DTOM* -vvv- NO Pity for the LAZY - 86-44)
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To: tobyhill

Yes, this should be fun!


19 posted on 01/11/2014 6:54:48 AM PST by fortheDeclaration (Pr 14:34 Righteousness exalteth a nation:but sin is a reproach to any people)
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To: tobyhill

You must file a 1040 tax return before the IRS can calculate what your subsidy will be for the current tax year.


20 posted on 01/11/2014 7:06:52 AM PST by maddogtiger
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To: Chode

I like that one...


21 posted on 01/11/2014 7:11:18 AM PST by kjam22 (my newest music video:http://www.youtube.com/watch?v=l7gNI9bWO3s)
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To: kjam22
me too... pretty much sums it up
22 posted on 01/11/2014 7:13:50 AM PST by Chode (Stand UP and Be Counted, or line up and be numbered - *DTOM* -vvv- NO Pity for the LAZY - 86-44)
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To: Diogenesis

Obamacare is about switching to a public health model instead of covering individual situations.


23 posted on 01/11/2014 7:16:22 AM PST by grania
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To: HotHunt

This insurance is setup to protect people with money from catastrophic loss. Most of these policies have 10 to 12K out of pocket cap. If you’re my age... you pay the insurance premiums, when you have some major surgery that’s going to cost you $200k before its all said and done... that’s where the economics work. If you have the money to pay the 200k out of pocket, then you for sure need the insurance.


24 posted on 01/11/2014 7:17:23 AM PST by kjam22 (my newest music video:http://www.youtube.com/watch?v=l7gNI9bWO3s)
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To: Cletus.D.Yokel
During my time making a living as a doctor (1982-present), the percentage of uninsured who refuse to pay has risen dramatically. And this is when a valuable, and sometimes lifesaving service, has already been given.

There is ZERO chance that any substantial percentage of the current uninsured population are going to pay a dime - NOT A DIME - for their "Obamacare", which they clearly believe is "free".

25 posted on 01/11/2014 7:28:51 AM PST by Jim Noble (When strong, avoid them. Attack their weaknesses. Emerge to their surprise.)
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To: Caipirabob

And why people can’t figure that out, so late in history as we are, is beyond me. It’s as if they’ve been glued to a t.v. or another shiny toy, and never read a page of History ...


26 posted on 01/11/2014 7:53:01 AM PST by SouthernClaire
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To: bert

Put that way, it sounds exactly like what happened to the dynamics of the mortgage market under Cuomo, A at HUD and Clinton, W. J. at USA.


27 posted on 01/11/2014 7:55:40 AM PST by Postman (Flies - specifically those attracted by Z - - 0 - get too litle credit. They know!!)
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To: Caipirabob

I paid online three weeks ago and they still haven’t sent my payment to the bank to be cashed. I have no ID cards or enrollment packet. I might have to make a duplicate payment this week, as the deadline in California for coverage in January was extended to the 15th.

The thing is an absolute mess. The media is also silent about it. All they can talk about is the “bully” Chris Christie.


28 posted on 01/11/2014 8:25:25 AM PST by Deo volente (God willing, America shall survive this Obamanation.)
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To: Jim Noble

I went to doctor this week. There were signs up saying that co-pays and deductibles must be paid before you see the doctor.
My DIL works for a doctor and they have had several people show up for their “free” doctor visits.


29 posted on 01/11/2014 9:16:10 AM PST by Himyar
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To: All

I have to wonder what those 92 MILLION people out of the job workforce are going to do when they file???

They haven’t made any income, so therefore no taxes for Uncle Sucky to redistribute...


30 posted on 01/11/2014 9:24:29 AM PST by stevie_d_64 (It's not the color of one's skin that offends people...it's how thin it is.)
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To: Cletus.D.Yokel

Next: Obama:All you nurses are belong to me now, selfish hos


31 posted on 01/11/2014 10:29:57 AM PST by lavaroise (A well regulated gun being necessary to the state, the rights of the militia shall not be infringed)
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To: Caipirabob

Death care... the sorcerers.


32 posted on 01/11/2014 10:31:51 AM PST by lavaroise (A well regulated gun being necessary to the state, the rights of the militia shall not be infringed)
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To: usconservative

You posed the question I want answered and the MSM will never report.

Outside of Medicaid enrollees, that is the NET LOSS in number insured for 2014?


33 posted on 01/11/2014 10:36:34 AM PST by nascarnation (I'm hiring Jack Palladino to investigate Baraq's golf scores.)
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To: Jim Noble

Yes, sir.

Once the Obama-phone folks start complaining, the Obama-gummint will start placating and paying for them.

It’s for the impoverished chillren, dontchyaknow!

Is is sooooo....obvious.


34 posted on 01/11/2014 10:38:10 AM PST by Cletus.D.Yokel (Catastrophic Anthropogenic Climate Alterations: The acronym defines the science.)
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To: kjam22

Insurance should be for catastrophic events. Like your car getting totaled in an accident and needs to be replaced. Or your house burning to the ground and you lose everything. Or you need free female contraceptives as a 85 year old grandmother. Or maternity care as a 65 year old man. Or pediatric care for single man.

Oops. Wait a minute, those last three things are not for catastrophic incidents. They’re for routine medical care. No wonder ObamaCare is so expensive, if the policies are mandated to cover everything under the sun. You don’t expect your car insurance to cover wiper blade replacements or an oil change or a new tire. Or that your homeowners insurance will cover painting the trim next spring or replacing the water heater or getting the toilet fixed. These are routine maintenance things you should be paying for out of your pocket and everybody does. But why do people expect their medical policies to cover everything when it comes to their health? Your medical insurance policy should cover major and expensive events like surgery, long-term illness and life-saving procedures. Not covering that hangnail or a cold or a broken arm.

The government has made ObamaCare more expensive by dictating to the insurance companies that everything, including the kitchen sink, must be covered. Everything that the government does has to somehow be called “comprehensive” for it to work. NOT!


35 posted on 01/11/2014 12:18:04 PM PST by HotHunt
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To: HotHunt

I agree that the government has required stupid things be covered.... but let’s think about it just a little. So Obammy tells BCBS that they have to cover me and my wife for pregnancy. We’re both in our 50’s... and one of us has had all the parts removed and is taking primeran. So if you’re an inurance company... while you may write pregancy coverage in my policy... there is no risk. Risk is what drives coverage cost. I have higher risk because of my age, so my insurance costs me more than a young person. Why should pregnancy coverage cost me anything? Just because its in there?


36 posted on 01/11/2014 2:27:25 PM PST by kjam22 (my newest music video:http://www.youtube.com/watch?v=l7gNI9bWO3s)
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To: kjam22

Yes, just because they have to cover everybody for the same things. Its like mortgage loan underwriting. You may not have any outstanding balances on your credit cards that they have to factor into your overall debt ratios but if you have a dozen credit cards with zero balances, you are still a higher risk of defaulting on the loan because you have to ability to run up your debt on the credit cards and risk defaulting on the mortgage loan. Same thing. The medical insurers are exposing themselves to the risk of what they are required to cover, not what the individual that gets the policy can or cannot use.


37 posted on 01/11/2014 3:31:21 PM PST by HotHunt
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To: HotHunt

I understand. I probably respectfully disagree. There is no pregnancy risk with my wife and I. There is no exposure to that type of risk. They can adjust my premiums up because of my age. They can also adjust them down when there is not pregnancy risk.... If they chose to. Why would they choose to? They can insure me, charge me for that service... and blame it on obammy.


38 posted on 01/11/2014 3:41:02 PM PST by kjam22 (my newest music video:http://www.youtube.com/watch?v=l7gNI9bWO3s)
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To: kjam22

Well, when Obama is mandating that the insurance carriers cover everybody for everything, the insurers are going to adjust their actuary estimates accordingly. They don’t look at each individual to assess which risk pool to put them in like they have done in the past. They now have to assess everybody as having coverage for things they may have to cover. Whether they ever have to payout for the covered risk is immaterial. The mere fact that they are being told to cover it (pregnancy for instance) for everybody, means they are going to charge you for it whether your risk individually of getting pregnant is there or not.


39 posted on 01/11/2014 4:29:51 PM PST by HotHunt
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To: Himyar

I thought O care paid for preventive health care. Probably why they think their office visits are free. I think surprises are coming.


40 posted on 01/11/2014 6:37:26 PM PST by Nuc 1.1 (Nuc 1 Liberals aren't Patriots. Remember 1789!)
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To: Lawgvr1955

I think you are correct; this was planned.


41 posted on 01/11/2014 11:29:10 PM PST by gattaca ("If you tell the truth, you don't have to remember anything." Mark Twain)
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To: bert

The same can be said of banking & mortgages before Jimmah Carter’s CRA.

Banks got upended with having to give mortgages to people who didn’t qualify to buy a T-shirt with payments.


42 posted on 01/12/2014 7:46:07 AM PST by ridesthemiles
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To: usconservative

ABC Sunday morning ticker says that a Calif lawmaker- unidentified, of course- wants to let illegals sign up for CaliforniaCare.


43 posted on 01/12/2014 7:47:31 AM PST by ridesthemiles
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To: maddogtiger

Which means that most of that information won’t be known until April 2015.

AFTER the 2014 elections............


44 posted on 01/12/2014 7:51:33 AM PST by ridesthemiles
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To: Jim Noble

During my time making a living as a doctor (1982-present), the percentage of uninsured who refuse to pay has risen dramatically. And this is when a valuable, and sometimes lifesaving service, has already been given.

There is ZERO chance that any substantial percentage of the current uninsured population are going to pay a dime - NOT A DIME - for their “Obamacare”, which they clearly believe is “free”.”””

ANOTHER explanation of what happens when you support 4-6 generations of takers with welfare & all the additional benefits.


45 posted on 01/12/2014 7:53:21 AM PST by ridesthemiles
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To: HotHunt

The same One Size Fits All thinking out of Washington DC applies to all the “Roundabouts’ being put in all across the country.

Here in N Nevada, they are hated.


46 posted on 01/12/2014 7:55:56 AM PST by ridesthemiles
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To: ridesthemiles

Roundabouts are awesome!
(at least if you drive a Miata)


47 posted on 01/12/2014 7:57:20 AM PST by nascarnation (I'm hiring Jack Palladino to investigate Baraq's golf scores.)
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To: ridesthemiles

Why of course! It’s FREE healthcare after all isn’t it? And it only helps to bolster Democrat voter rolls too! (/sarc)


48 posted on 01/12/2014 8:16:30 AM PST by usconservative (When The Ballot Box No Longer Counts, The Ammunition Box Does. (What's In Your Ammo Box?))
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To: Nuc 1.1

No, these were “low info “ people. They really thought they could waltz right in and see a doctor. It got a little dicey with one. DIL thought she might have to call the cops.


49 posted on 01/12/2014 8:41:02 AM PST by Himyar
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To: Himyar

One wonders if some of them will wise up and change their ways?


50 posted on 01/12/2014 9:03:40 AM PST by Nuc 1.1 (Nuc 1 Liberals aren't Patriots. Remember 1789!)
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