• hotflashcarol commented on the blog post How Many Selected the Correct Plan on the Exchange?

    2014-04-03 17:57:09View | Delete

    . . . just 11 percent were able to compute the cost of a theoretical four-day hospital stay giving the information

    This is the equivalent of asking the question: How long is a rope?

    I don’t think that even the most “insurance literate” person could predict that cost, because chances are apparently quite high that your bill will include out-of-network/balance billing charges. This is not about literacy or the ability to understand these terms. It’s a shell game.

  • hotflashcarol commented on the blog post Grading Obamacare on a Curve

    2014-04-02 16:13:50View | Delete

    And then there are the out-of-network charges, including involuntary ones, where you get a bill for thousands or tens of thousands of dollars for something you thought was covered. That’s what will continue to bankrupt people.

  • hotflashcarol commented on the blog post Obamacare: 7 Million Signups Isn’t 7 Million Covered

    2014-04-02 09:39:55View | Delete

    No kidding. Once you factor in the deductibles and co-pays, it becomes more like 30 percent of your income.

  • hotflashcarol commented on the blog post Obamacare: 7 Million Signups Isn’t 7 Million Covered

    2014-04-01 16:59:26View | Delete

    This plan, which is probably tailored specific to the ACA Marketplace, is much simpler. The stuff they cover is covered in full AFTER you pay your entire deductible. They stuff they don’t cover, ain’t covered. No percentages. If I am going to get screwed, I want it to be as straightforward as possible. This plan doesn’t even pretend to buy you dinner until you put out $5500.

  • hotflashcarol commented on the blog post Obamacare: 7 Million Signups Isn’t 7 Million Covered

    2014-04-01 15:51:25View | Delete

    That may be how some deductibles work but it is not how mine works.

    Per my Blue Cross/Blue Shield Summary of Benefits and Coverage: “You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use.”

    I chose this particular plan because the annual out-of-pocket is the same as the deductible: $5500. And that is less than other bronze plans, which typically have the maximum of $6350 annual out-of-pocket.

    It is likely that I will use the entire deductible the first time I ever take my fancy new ObamaCar for a drive (didn’t they tell us this was just like buying auto insurance?). In other words, I am gonna be on the hook for that deductible all at once no matter what, because you won’t find me anywhere near a doctor or a hospital or a prescription drug unless I have a serious illness or emergency.

  • hotflashcarol commented on the diary post Anonymous US Officials Talk to WaPo about the CIA Torture Report by wendydavis.

    2014-04-01 15:38:30View | Delete

    You are on the front page now, and it’s about time.

  • hotflashcarol commented on the diary post Anonymous US Officials Talk to WaPO about the CIA Torture Report by wendydavis.

    2014-04-01 14:58:58View | Delete

    Recommended. I am hating on this country too much to post anything coherent right now.

  • hotflashcarol commented on the blog post Obamacare: 7 Million Signups Isn’t 7 Million Covered

    2014-04-01 14:50:31View | Delete

    That just wouldn’t be fair to the poor Kossack. But I’d still pay to see it, too.

  • hotflashcarol commented on the blog post Obamacare: 7 Million Signups Isn’t 7 Million Covered

    2014-04-01 14:48:06View | Delete

    I wasn’t covered before. I signed up on Sunday night. I haven’t paid my first premium yet; gotta somehow swing that AND my monthly IRS payment for back taxes that I will be paying until I die, plus my 2013 taxes due in two weeks. None of that gets me a lick of “government” health care; gotta pay my $5500 deductible first. I don’t know how long I will be able to motivate myself to make those premium payments. Hoping all this gets dismantled sooner rather than later, to be quite honest.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-04-01 08:18:45View | Delete

    Thanks for sharing your experience. People don’t want to talk about the affordability aspect of the Affordable Care Act because it immediately falls apart. So many of the Marketplace plans either have impossibly complex copay/coinsurance/deductible schemes that you can’t really figure out how much you will have to pay to get care; others state right up front that you don’t get ANYTHING until you’ve reached your deductible. I chose one of the latter; it theoretically covers everything after I have paid $5,500 out of pocket in addition to my $269 monthly premiums. I chose it not because I find it to be affordable in the slightest but because I don’t expect to use it except in an emergency. Few if any of us can afford to set aside the deductible in addition to premiums.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 17:40:25View | Delete

    My mistake. But your comment about ACA being a positive for most people is an opinion, not a fact. It is certainly a fact that more people now have health insurance – and that many insurance companies have reduced the number of doctors, hospitals and other providers for their ACA marketplace plans. More people, fewer doctors = longer waits for appointments and procedures. That is hardly a positive. And that’s a best-case scenario that does not factor in the red tape, claim delays/denials, etc. that are the hallmark of insurance companies.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 15:13:54View | Delete

    A client came to me looking for health insurance for her family

    What you also “left out from before” is that you apparently work in the health insurance industry. Now that’s vulgar.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 14:57:15View | Delete

    That magic number is both insulting and insane. I don’t blame you for being sick of all of it.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 14:21:43View | Delete

    plus those millionaires who do not believe the poor and middle class are entitled to healthcare

    I know plenty of thousandaires who do not believe that the poor and middle class are entitled to healthcare. That’s why we haven’t banded together to demand single payer. We’re still too selfish and ignorant. I don’t see a clear path to single payer via ObamaCare, which I think is more likely to make people hate the idea of government healthcare even worse than they already do.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 13:16:36View | Delete

    It definitely has made me sick at heart to take part instead of putting my body on the gears of this odious machine. I hope there are a lot of people braver than me out there.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 13:12:15View | Delete

    Yes, for sure. I am self-employed and have a, shall we say, strained relationship with the IRS already. I try not to be paranoid but I suspect that the people who don’t sign up could be in for greater scrutiny overall than those whose income just needs to match whatever they put on their application.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 11:52:56View | Delete

    The horror stories reviews are already coming in:

    I lost my job 1/31/2013 and with it, my outstanding coverage from Anthem Blue Cross. I was forced to sign up for Health Net due to my existing PCP, only accepting the Healthnet exchange for whatever reason. We enrolled on 2/3/2014 for coverage through Covered California. Instead of our PCP being on our ID cards, they gave us a random doctor. OK fine, called health net (the first time) and am on the phone for 3 hours with them going back and forth trying to get this changed. [snip] Still not changed. This has been going on for 3 and a half weeks now and I still can’t go to the doctor because of their incompetence.

    Because of my wife’s urgent need for care and the 6+ weeks that we attempted to be seen by a doctor, we ended up going to the emergency room on that day in order for her to be seen. This treatment of myself and my wife, the hours and hours spent trying to get basic medical attention and the abuse and anxiety that was brought upon us in an effort to get basic care that we are paying in excess of $700 per month for is not only unacceptable but shocking even by third world standards.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 11:45:16View | Delete

    Net net the ACA will prove to be a positive for most people.

    If this proves to be true in six months, I’ll eat my fucking hat. Hey, I’ve got health insurance now if it gives me a tummy ache.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 11:38:54View | Delete

    I considered that right up until I started researching it a bit more. My fear of the IRS trumped my loathing for the insurance companies. My decision had little to do with any expectations of getting healthcare.

  • hotflashcarol commented on the blog post One Tweet Which Shows Why Obamacare Has Been a Hard Sell

    2014-03-31 11:04:42View | Delete

    Yeah. And here’s another reality. There are fewer doctors available and more people who ostensibly have “coverage.” Poor people will wait in even longer lines while the rich will have whatever level of access they want to pay for. I don’t see any evidence that as a whole, we are better off or that this is a step in the right direction. I think the exact opposite is true.

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