Skip to comments.Get Ready For The Real Obamacare Disasters As People Start To Use It
Posted on 04/06/2014 9:51:06 PM PDT by Brad from Tennessee
We have finally (almost, sort of) reached the end of Obamacare signups. The White House is claiming over seven million people have signed up with several million more now on the Medicaid rolls. Democrats are desperate to find a success somewhere in the Obamacare narrative, so reaching seven million is the story of the moment. However, as bad as the open enrollment period and its infamous healthcare.gov website was, the real problems are about to begin. Now people are going to try to use their new insurance.
The problems that will create the next headlines will come in three main flavors: lack of access to doctors, failures of the system to verify coverage and pay claims, and the incredibly high deductibles and co-pays on many of the exchange insurance policies.
Insurance companies believed that people shopping for health insurance on the government exchanges were very price sensitive so that low prices were needed to attract buyers. Thus, the insurers only signed up doctors and hospitals willing to agree to low reimbursement rates to their exchange-offered plans. That means that many of the plans, especially the silver and bronze ones, come with much more limited networks than Americans are used to. The newly insured are likely to find that, similar to Medicaid patients, it will be hard to find doctors who accept their new insurance. Having health insurance does not mean you can get care; you actually need a doctor for that, and a lot of people are in for a nasty surprise when they realize how limited their choices of providers are. U.S. Senator Tom Coburn finding out his cancer doctors were not part of his new Obamacare plan is just one famous example of this access issue. . .
(Excerpt) Read more at forbes.com ...
I can see many Private Doctors getting desperate.
That may be the real ticking time bomb for the Democrats.
I see a lot of “your can keep your doctor” commercials in the future. It goes beyond website glitches and insurance issues.
Here’s where Obamacare will be unpopular. Its not a done deal.
Obamacare is like all socialized health care systems. Everyone has a little card saying he has insurance; he just can’t get treatment.
There are waiting lists, rationed health care and doctor shortages.
If you like those choices, you’ll love Obamacare.
“Democrats are desperate to find a success somewhere”
President Chucklehead’s chortling over a claimed success reminds me of the story of the man frantically tearing into the pile of horse**** (”There’s got be a pony in here somewhere ...”) and the scene in the movie ‘Downfall’ where Eva Braun is doing her flapper dance on a table during an Allied bombing run: “Everybody, ja—lighten up! Let’s party!”
The Department of Veteran’s Affairs sent me a letter informing me that I was covered under the Affordable Health Care/ObamaCare, e.g., that they had enrolled me. Social Security was kind enough to lock me into Medicare exactly two years after accepting their disability retirement. I am sure there are millions like myself who are ACA’d involuntarily. I kept my employer’s health insurance policy mostly for my family, still have Tricare, now Medicare and of the course the VA for 100% as well. All my insurance needs are first via Medicare, then my private insurance followed by Tricare. If Medicare does not pay, then none of the others will pay either.... Ouch.
Perhaps these dire predictions of physician accessibility are true in some areas, but my wife and I kept the exact providers we had previously, including specialists, and really nothing is any different in any of the appointments. If we subsequently choose to leave these doctors all providers (hundreds) at all hospital-affiliated clinics are available, plus those independent ones who choose to participate (some but certainly not all).
I can speak for the Phoenix area a little bit on this. I know a guy & wife in their early 30s that just got on it. Bronze plan, 125/mo for both. IDK the deductible or the co-pays.
Both take meds and have conditions that require some treatment regularly. Last week, they had a hard time finding doctors who would see them. When they got Rxs from a DR. that would see them they found out the insurance didn’t like the type of medicine and they had to go back several times and keep trying to find one the insurance company would pay for. The Ins. companies and DRs are telling them they don’t know what to submit or if they do submit bills for payment they don’t know if they will get paid. It has been a confusing, frustrating and stressful situation for them and it is not resolved yet.
That will be a problem since CA is the State which is most gung ho for Obamacare and has signed up the most.
This means MANY who were thrown in the system will lose their doctors. Oh my.
FUHRER: I’ve read the reports of Obamacare signups. I see we’re making progress and the website problems are being addressed. Is victory in sight?
GENERAL: My Fuhrer... its not so simple. As you can see, ensuring timely health care access and getting patients to see the doctors they want is still not assured. Our planning is incomplete to ensure success in these areas. Fuhrer... we also face a massive Republican counterattack. We can’t guarantee our reserves will be sufficient to repel it.
FUHRER: I am surrounded with incompetent fools! Fegelein made a fool out of me by prompting me to declare a premature victory. Gentlemen - one more victory like this and my legacy is lost forever! The Republicans keep running rings around me and I don’t even have proof to show them my health care plan works! I can never trust Prussian generals in monocles to plan a war! When you generals were panicking, it was only due to my iron will the health care fort remained intact. I’d hate to have negotiate a surrender to the Republicans if they win this fall! I expect you gentlemen, to rescue the situation as time is running short - and make sure when you do to bring Fegelein to me. He’s caused me great political pain. Look at whom I have to live with and none of this news makes me want to recall the greatest days of my political career. This should rightly be the feather in my cap. (sigh)
Don’t forget to bring your own tote bag to the store or you will be charged 10 cents for each one. Liberals get involved and something as easy as going to a store or a doctor is made difficult.
Are you saying you ACTUALLY signed up for Obamacare?!
I don't know if "unpopular" covers it. I think we're talkin' Venezuela here. We'll see.
We were signed up by the previous insurance plan (same company).
Office visits are a fixed copay and no deductible for generic Rx so we have seen very little change so far.
Haven’t even had to pay a premium yet as we had a credit balance beforehand.
I have the same plan.
Never have to pay a premium. I get generic drugs filled at Walmart Pharmacy.
In living with heart disease and high blood pressure, it helps.
No increase in deductible or premium?
Twice in the last few months I've read anecdotal evidence of fewer patients seeking health care.
I think David Limbaugh wrote an essay on that, but I can't find the link.
Anyway, can I toss one more anecdote on the fire?
I'm an old guy, and I've been doing my laundry the same day and the same time for many years.
The laundry room of my apartment house looks out on the parking lot of a large neighborhood clinic run by a large local hospital.
For at least 8 years, the lot has been completely full between 3PM and 4:30PM.
Within the last two months, I suddenly realized there are many empty spaces at 3PM, and the lot is half empty at 4:30PM.
Obviously, there can be many explanations for this besides ObamaCare.
But I do wonder - has anyone else here seen evidence that the number of patients is going down?
When obamacare first passed my cardiologist at the time had three partners and a fairly big clinic. He told me they figured out they would have to increase their number of patients by a third to make the same amount of money. A few months later I started using the VA and about a month after that I got a letter that their office was closing and he went back to working for a hospital.
My own doc went to a concierge style limited practice, so I pay $100 per month in addition to my premiums to BC.
So far, OK, but much more money than I was paying before.
The problem is some people will sign up for Obamacare plans, pay a month's premium, then not pay any more. With a backlog of claims, the doctor won't get paid when the insurance lapses.
So a doctor will be VERY picky about who he decides to accept an "Obamacare" plan card from.
New patients are going to have a very hard time.
Expect a LOT of docs to simply not accept it, as is happening in CA.
I try to s-l-o-w-l-y explain to people that having a card DOESN'T mean actually getting healthcare.
“The program will be at its best in the beginning. It will be all downhill from there.”
It’s not even any good at the beginning. It will just slide further downhill from an already rotten start. Wait until people figure out that their co-pays and deductibles are sky high. Hah.
The republicans are so stupid. All they have to do is constantly talk about it not being anything about “affordable”.
I see the government bringing more and more doctors in from Africa and subsidizing them. The first step to single payer.
Failure of Obamacare will be seen not as a failure of government involvement in health care but as failure to go far enough. Single payer will return to the policy arena as the obvious solution to these problems.
Thats right; my prediction is that an epic government failure will spur calls for more government involvement to fix the problems caused by government involvement.
That's right. The cure for liberalism's failures is always more liberalism!
So, it's not enough to point out the failure of ObamaCare. It's necessary to replace it with something that isn't Single Payer.
NEW DOD MANDATE FOR TRICARE LIFE RETIRED MILITARY, THIS IS A LOSS OF FREEDOM, IT IS NOT FAIR, EQUAL OR RIGHT. EVEN THE WORKERS HATE WORKING AT EXPRESS SCRIPTS. WE USE THE MILITARY BASE AND I TALK TO THE SENIORS LIKE ME, 1 OUT OF 5 TOLERATE THE DISPENSARY, OR EXPRESS SCRIPTS, COMPLAINTS VERY HIGH ABOUT QUALITY OF MEDICINE, SHORTING YOU, DOUBLE BILLING, THEY SUCK IT RIGHT OUT OF YOUR BANK ACCOUNT, DON’T CARE IF THE OVER DRAFT YOU. GIVE YOU THE WRONG MEDS, SWITCH NAME BRAND TO GENERIC AT THEIR WHIM, WHEN YOUR SCRIPT SAYS DISPENSE AS WRITTEN.
THEY BEST NOT GET MINE WRONG, IS ALL I CAN TELL THEM, I’VE HAD ENOUGH ER RUNS BECAUSE OF BAD DRUGS, AM EXTREMELY DRUG SENSITIVE. RIGHT DOWN TO WHO MAKES THEM.
TRICARE LIFE Retired Military over 65 just received this noticed 2 weeks ago, takes effect 4/14/2014, why they sent a prelim with out the drug list is WASTEFUL spending in itself!
DOD MANDATE is forcing us to use either Base whose drugs are limited by size of base and is not wheel chair or handicap friendly or Express Scripts MANDATED Tricare Life. starts next month. 4/14/14, still have not got the formulary, waste to do 2 send outs. Express Scripts is a sorry excuse of a provider. You never know if your order is right, what generic, what manufacture, or what country. All thrown up on your porch for KIDS, TEENS, local thieves and meth makers to steal.
YOU WILL LOSE YOUR PHARMACY THANKS TO NEW DOD BUDGET!
This is a Prelim letter, we dont even know at this time which drugs are going to be on the list. Waste of money to not send out the full thing.
1 Transfer your medication from a retail pharmacy to save , convenient Tricare Home Delivery and pay less out of pocket! A typical cost for a 90 day retail supply is $51 but only $13 for Home Delivery.
2 Ask your doctor about using a low cost generic that is not among the medications included in the Pilot Generics can still be filled at retail for $5
3 Transfer maintenance medications under the Pilot from retail pharmacy to a military pharmacy. Call your local military pharmacy to see if they have you medication
4 Continue to get you selected maintenance medications at a retail and pay 100% of the cost of the medication starting with your third refill.
If you refill your selected maintenance medications at a retail pharmacy after March 14, 2014 youll get letters from the Tricare Pharmacy contractor Express Scripts, Inc about switching to Home Delivery. Remember, starting with your third fill you will be responsible for 100% of the cost of the medications if you chose to continue to obtain them at a retail pharmacy.
If you have other health insurance with a prescription benefit, you do not fall under the Pilot. There will also be a process to obtain waivers on a case by case basis, due to personal need or hardship, emergency or other special circumstaces-0 such as living in a nursing home. After participating in the Pilot for 1 year you may opt out.
Military Waste and Fraud Continue In the Middle of the Government Shutdown HERE IS YOUR PROBLEM : PALM GREASING
Washingtons Blog lots of links
Mugging our Troops
Pentagon Outlines Increased Tricare Fee Proposal
0bama to Force Military Families Away From Tricare ...By Tripling Their Fees. Patient Protection and Affordable Care Act, aka Obamacare.
CBO: The military is getting squeezed for domestic spending cash
State Side Tricare Service Centers Closing April 1
Starting Oct. 1, the Pentagon plans to reduce Tricare Prime service areas to within a 40-mile radius of active or former military installations, forcing 173,000 retirees and their family members to switch to Tricare Standard or seek a waiver if they live within 100 miles of an existing network.
The decision will affect retirees and their dependents in Prime, and those on Tricare Young Adult Prime. That totals 98,771 people in the Tricare South
DoD silent on major changes to Tricare Prime
Proposed TRICARE FEE CHANGES
ES buys out Medco
Express Scripts Extortion Scheme Widens
Express Scripts complaints
TN sen Lamar Alexander who promised 2 terms and OUT is running for a third term. RINO DELUXE voted to Mug the Military. Voted for a LOT OF PORK projects that increased the debt. Never trust a oath breaker.
Why do you think the amnesty bill is being pushed so hard, visas for foreign doctors. I have 1, but he speaks Brit English. Now the male ME in the ER could not understand much English, would not touch a lowly female patient, talked to my husband, not me the patient. Worse hospital experience I’ve had, his mild side effect drug, cost my vision for 2 weeks, till it wore off. Did not know the difference between a vaginal infection and a Bladder PH flip from his drug. Give me a break, don’t import them.
You seeing the signs up NO NEW MEDICARE OR TRICARE LIFE in doctors offices, I am. We are in Memphis, there is a Naval base a little over 20 miles away, in the next small town, same county. Went from training to BUPERS with fat ass Brass out the roof. Exchange to expensive for the below Capt to shop at. $200 Vera Wang made in china wallet crap.
Crapcare is like going shopping in America with foreign money
Counseling appointments now once a month.
Because of all the new Medicaid patients who can now get free counseling. People already in counseling had their visits cut back to once a month.
Get ready for crazy.
I knew this would happen when I first posted about it years ago. Who wouldn’t take free counseling?
Are you saying you ACTUALLY signed up for Obamacare?!
No. I received the same letter. It just means that you are covered under VA and that you won’t have to be “fined” or “taxed” whichever it is now a days when you do your taxes.
Don’t worry,the Republicans will provide the democrats with a way out,there are 7 months until November.
How are your deductibles, copays and premiums?
Never mind, you pretty much answered my questios in a later reply. Guess I should read all replies before responding.
I am already on a cash for service plan with my dentist with a fixed price for whatever procedure I choose. Very reasonable. I expect my GP to go this way soon
Don't worry, obama has this one figured out too. More and more affirmative action M.D.s, killing two birds with one stone - addressing the doctor shortage plus more "spreading the wealth around". (reparations).
The "latest" O/Care disaster is that Democrats just discovered they voted in lockstep to subsidize this atrocity by decimating Medicare Advantage for seniors......forcing O/Care on an ususpecting public, that was not too enthusiastic about O/Care from the get-go.
(EXCERPT WSJ--PEGGY NOONAN) ........you cannot look at ObamaCare and call it anything but a huge, historic mess....utterly unique in the annals of American lawmaking and govt administration....
...then-Democratic speaker Pelosi blithely, mindlessly said---but in a way forthcominglythat we have to pass it to find out what's in it. .... an historic admission that she was fighting hard for something she herself didn't understand, but she had every confidence regulators and bureaucratic interpreters would tell her in time what she'd done.......
....for the next three years Democrats would carry on like blithering idiots making believe they'd read the bill and understood its implications. They were later taken aback by complaints from their constituents.......
(The White House calculatedly kept the gruesome details to itself while egging on loyal lock-stepping Democrats to vote for it).
The WH lied to Americans in a way so specific, it showed they knew exactly what to spin and how......via the infamous "If you like your health-care plan, you can keep your health-care plan, period."
Old, white people were never the people O/Care was intended for. Egged on by Nanzi Pelosi, the Democratic-majority passed the Affordable Care Act by an historic straight party-line vote without even reading it. Then Dems got the wake-up call---they had voted $200 billion in cuts to Medicare Advantage.
STROLL DOWN MEMORY LANE Remember when Oprah said America can't rest, until all those elderly white racists die? Followed by Obama honoring her w/ the Presidential Medal?
OBAMA FACTORED THAT BACK IN 2008 AS HE
SALIVATED OVER HEALTHCARE OVERHAUL:
O/Care embeds IPAB (Independent Payment Advisory Board) AKA Death Panels.......and healthcare rationing.
IPAB is now the fifth branch of govt, to be composed of hand-picked unelected members appointed by Obama:
1) It will make all important health care decisions by authorizing payment or not.
2) It is not funded by Congress and cannot have its budget reviewed or changed.
3) Its membership cannot be changed by future Presidents,
4) It cannot be repealed by Congress, except for a six month window in 2017.
5) Its decisions are not subject to judicial review.
6) It is not authorized by the Constitution, and is therefore immune to Constitutional processes.
Retirees losing health care are forced onto Obamacare, finally getting signed up, looking at how little they get for what they pay out....fear grows.
Oldsters better know this. Obama is herding seniors onto subsidized federal programs---like cattle slowly boarding the ramp single-file, knowing the bolt is coming, and unable to do a thing about it.
For starters: stupid Democrats voted to eliminate the ASSET TEST, (which usually prevents those with assets to even be considered for Medicaid coverage). Every person herded onto Medicaid signed away their entire estate to the govt. Heirs get nothing---everything goes to the state to re-coup the expenses incurred under Medicaid.
The Democrats aided and abetted the Obama criminals who duped people into a ruinous reverse mortgage scheme......Here's how it works.
The Democrats in league w/ Obama conmen forced seniors WITH ASSETS onto Medicaid---a program specifically structured for the poor.
CAN YOU SAY REDISTRIBUTION OF WEALTH?
Herding sickly elderly with assets into Medicaid has ominous consequences intriguing to sap-happy leftists. B/c assets, perhaps a home owned free and clear, securities, annuities, investment property, can be seized to pay for govt treatment.
Thus intergenerational transfers of wealth (a longtime left/liberal/progressive bugaboo)----are decimated.
CAN YOU SAY REDISTRIBUTION OF WEALTH?
================================================= Boobamba's got plans.....secret, nefarious plans for grampa/ma duped into signing up for Medicare/Aid.
The WH BOOB can't get 'em to sign up on the flopola healthcare.guv website---so he's throwing some 400,000 onto MEDICAID------and all the costs of medical care will be charged back.
How can he do that? By slapping federal and state LIENS against signers' homes, and other assets.......the Obamacare con artists eliminated the ASSET TEST, (which would have prevented those with assets to even be considered for Medicaid coverage).
So those who are now told: "Golly gee, my government loves me, Obama says I qualify for subsidized Medicaid care, I'll be well- taken care of"---have been suckered into a REVERSE ASSET LIQUIDATION FEDERAL MONEY GRAB.
And, once in the hands of the Obama/Democrat criminal hordes, all that oldster money is untraceable.
That kind of lock-stepping party loyalty has not been seen since 1940's era Europe.
Kinda reminds me of Peter Sellers trying to subdue
his natural instincts to salute smartly to der leader.
OK, so 7 million have signed up.
Of that 7 million about 1 million have not paid. Of that figure 4 million are the result of cancelled insurance That leaves <2 million previously uninsured that now have their own insurance....... glory be.
Then they actually get the pig in a poke they bought and discover there is nothing there. They pay a premium and then some deductible and poof...... their money is gone. They actually got nothing. But, they had to buy the policy to learn what was in it.
That means the second or third or forth premiums will not be paid. At some point when many folks learn the poke contains no pig, they will cease paying the premiums
Unfortunately the Democrats can always be counted on to find a scapegoat. We will hear:
- The insurance companies on the exchanges are greedy, and this is why commiecare is terrible
- Doctors are greedy, own nice cars and second houses....and this is why they won’t see you
And after a budget battle or two, where ocare becomes an entrenched non-discretionary spending item (no way it will be self supporting), any attempt by Republicans to not balloon spending on this will be met with claims that Republicans want to kill you.
I’ve never bought into the notion that we should let it run its course, and the disaster will be blamed on Democrats. The entire mess needs to be killed.
Ive said this very thing from the beginning...
Glad to finally see the fruits of their system start to rot...
Its about time someone in the media wake up to this part of the issue...
Docs won't take Obamacare.....so the obvious solution is to *require* them to take it.
Docs flee their profession in droves.....smart people don't *need* to be doctors. They can be engineers, lawyers, etc etc etc ad infinitum.
America's medical profession - truly the "shining beacon on a hill" for so many years - ceases to exist.
I'm hoping that it will stick around via inertia while I'm drawing breath. I worry about my kids' future, tho.