<p>Hospitals also get federal funding to make up for some of this expected uncollected debt. Of course, they sometimes collect something from someone. But, it is a known fact and a given that most people who use the emergency room for routine care are not picking up the tab. It’s not a secret.</p>
<p>“In the small business market, my daughter sees every claim made friom the prior year when setting rates.”</p>
<p>“How would you do that with the uninsured?”</p>
<p>Can’t they extrapolate from the data they have since Jan. 1? I am sure they can tell the difference between a newly insured who visits a doctor for strep, a flu shot, etc., and one who visits a cardiologist for heart issues. </p>
<p>They aren’t aggressively calling up the uninsured. They are calling the newly insured, no? </p>
<p>Ok, disclosure: the ins comm final rate approval was June 28. I don’t know if they will slide that, this year.</p>
<p>Why are we arguing about collections? Because we can? Fang’s butter knife: he who can complain will continue to do so, given the venue.</p>
<p>“Why are we arguing about collections?”</p>
<p>I have no idea. I’m sure there are models somewhere about how much non-payment is anticipated.</p>
<p>Yeah, you build it in, same as any project management. Those guys and gals are actuaries, they breathe numbers and number working.</p>
<p>:). Yes. Sorry. :)</p>
<p>Remember a lot of the newly insured arent going to be covered until Apr or May.</p>
<p>LF…yes… This is not quite what I said…
You are right. It is the data gathering to set the rates…</p>
<p>This is a little dated. That bugs me . I havent seen anything different though. </p>
<p><a href=“http://mobile.bloomberg.com/news/2013-11-22/insurers-to-get-extra-month-to-set-2015-obamacare-rates.htm”>http://mobile.bloomberg.com/news/2013-11-22/insurers-to-get-extra-month-to-set-2015-obamacare-rates.htm</a></p>
<p>“Second Year
Obama also is pushing back the second-year start of enrollment to Nov. 15, 2014, from Oct. 15. That move is intended to give insurers until May 31 to analyze claims from the first year of plans sold under the law, an extension that may potentially stave off premium increases before the 2014 congressional elections.”</p>
<p>“Why are we arguing about collections?”</p>
<p>Because GP believes there are a whole mess of people who are going to stop paying their premium after one month and stiff the doctors for their treatment and get away with it. </p>
<p>Some people remain glass half full, no matter how many times some others keep refilling the glass. I still think whack-a-mole applies too much.</p>
<p>I don’t think either side is looking at a full glass here. Just sayin’.</p>
<p>Actingmt, do you ever wonder why ACA is going to work? </p>
<p>If companies make more money, don’t you think they will want ACA?</p>
<p>If Tenet Healthcare increases its cash flow 50 to 100 million a year because of ACA, do you think Tenet wants to give that up?</p>
<p>What about all the other hospitals that will see more revenue because of ACA?</p>
<p>The insurance companies are going to make money with the medicaid expansion. They want the expansion. Hospitals that get very little from the uninsured want the medicaid expansion and they want more people with private insurance, don’t they? </p>
<p>Enroll America has health insurance company backing as they try to enroll more people. </p>
<p>I think what I wrote makes a difference.</p>
<p>You don’t?</p>
<p>Okay, I completely understand why insurance companies like ACA. Millions and millions of taxpayer dollars are being funneled into their industry. That’s easy. But, I’m not so sure about the consequences, intended or not. And so far results are at best mixed. Probably, my biggest concern is the overall impact on quality health care for people who are paying for individual insurance. Obviously, if you could not afford it before it’s better than nothing. </p>
<p>Even the biggest supporters on this thread seem to have finally come around and admitted that exchange insurance is a compromise product to cut costs.</p>
<p>I don’t admit that exchange insurance is designed to cut costs, as if cutting costs were a bad side effect of a generally good policy. I proclaim with pleasure that exchange insurance will cut costs. I’m happy about it. Cutting costs is desirable.</p>
<p>Policies available on the individual market in many cases are not what they used to be by a long shot and have very little in common with what people who have nice employer plans mean when they say insurance. But, this has been covered, and covered, and covered. Finally, a week or so ago I thought I noticed a general acceptance of this fact that seemed new. But, I could be wrong.</p>
<p>People with nice employer insurance plans have employers who pay a lot for those nice insurance plans. </p>
<p>Only a few here have even mentioned using their insurance in 2014- calmom, ds and I, at least-- as I recall, an exchange HSA, direct and exchange PPO. Maybe EB on her employer plan. Each seems reasonably satisfied. So what’s all this predicting really about?</p>
<p>Not what they used to be? is that your expectation? “Nice employer plans” should be some benchmark? A Cadillac plan is the definition? I’d like a better job. Mine isn’t what it used to be. I’d like the salary I used to have. The discretionary spending we had before kids- and certainly before college costs- in fact, I’d like the old college prices in CA. On the whole, other than this thread, I’d rather be in California. Life is like that.</p>
<p>Not what they used to be means the goal of getting everyone (which is not everyone, by far) insured seems to be at the expense of very few in the individual market. These happen to be people who can least afford it since if they don’t have employer insurance it’s a safe bet they don’t have an employer provided pension plan either. Last night there was a family of 7 on television saying all they could get in their state was Medicaid. Maybe because of income with that many people. Not sure. But, they had insurance. It’s just a little crazy… </p>
<p>The family of seven can go out and purchase insurance at any time, if they want to. All it takes is writing a check. So I don’t know what you can mean that “all they can get is Medicaid.”</p>
<p>On the exchange. Now, they probably cannot write a big enough check but they were pre-ACA…</p>
<p>The family can buy insurance on the exchange if they want to. All it takes is a check. </p>
<p>Okay, maybe they were lying, then. Everyone with problems must be lying…</p>