Affordable Care Act Scene 2 - Insurance Premiums

<p>GP, Social Security Disability and SSI are two entirely different programs. If you read the page that I linked to you would have seen that your statement “If you’re younger, you don’t need 10 years employment history.” is directly negated on the text of the page. (Go to my link and read what it says in the orange box that says “Important”)</p>

<p>Statins work? They do little, do anything, to prevent a heart attack or stroke.</p>

<p>riprorin, why do you say statins don’t prevent heart disease and stroke?</p>

<p>dstark your post choked me up. I can’t imagine what it like is to have to see your healthy, vibrant daughter go through brain surgery and then to have to wait months to simply feel good. my heart goes out to your family. hope her recovery continues and she finds each day forward a good one.</p>

<p>all of us and our kids are lucky that they will not get denied insurance due to any pre-existing conditions, health or mental health, and that there are no lifetime caps. yes, people need to rethink what is really important as a society.</p>

<p>Thanks for posting that link about the uninsured, Fang (#1366). I found this encouraging:</p>

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<p>This sounds like the “young invincibles.” So maybe the vast majority of young healthy people DO want coverage and will sign up.</p>

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<p>Because there is no medical evidence that they do.</p>

<p>My daughter came over after I wrote that last post. Sorry I wrote something so heavy andthen took off.</p>

<p>I think this is clear that I have a daughter on SSI and another daughter that had the brain operation. Just want to make sure. </p>

<p>I appreciate all the well wishes. I look at my daughter’s eyes and they are not the same as before she got sick.</p>

<p>Why did the doctor say my daughter is lucky obamacare exists? I think that question was answered by calmom. Maybe CF.</p>

<p>My daughter and I were in the room with the neurologist when he made the Obamcare comment. We were talking about the tumor and epilepsy when the doctor made the comment. </p>

<p>I was a little surprised with the comment but I didn’t want to pursue that line. I was trying to stay as positive as possible in front of my daughter. In order for my daughter to need Obamacare…things would have to go badly because she has employee healthcare coverage.
You see… When you are talking about your daughter and tumors and epilepsy it is difficult enough…Also, I know others that could not get insurance.</p>

<p>My daughter’s coverage in 2014 is going to be fine. Her employer based coverage is excellent and she can buy insurance on an exchange if things go bad. </p>

<p>My daughter is with Kaiser. Because two of her doctors are excellent including her surgeon, I think she is going stay with Kaiser. Kaiser has a nice neurological Center in Redwood City.</p>

<p>One thing that happened that is making things difficult psychologically is the following.</p>

<p>3 months after the brain operation my daughter had a mri. Standard procedure. The surgeon said he removed all the visible tumor which is the best he can say so we thought the mri would be clean after 3 months. My daughter had an appointment following the mri and that was the first appt I missed. I didnt go because the tumor was removed and even if there was microscopic cancer cells lying around her tumor wasnt going to grow that fast. </p>

<p>So the oncologist sees my daughter and says the mri has arrived. Let’s take a look. He looks and asked my daughter what did other doctors say about the tumor. She says they told her it was benign. The oncologist said I am not going tell you that. It is malignant and looking at the mri you have a tumor the same size as the one removed in your hippocampus. </p>

<p>That was kind of a death sentence. They talked treatment… But</p>

<p>So my daughter’s boyfriend, who is a prince, called my wife and me up. We knew that wasnt a good sign. We were told the story. </p>

<p>My wife lost 5 pounds in 4 days. For a period during those 4 days I did not sleep for 40 hours straight. I lost weight. </p>

<p>Then the raidiologist report came out. It was clean. The best it could be. The tumor may grow back but not yet. Clean. This oncologist has had a great career. Worked at two of the best cancer centers in the country. He is also a pr…</p>

<p>You cant take words back. The psychology of my daughter, my wife, and myself is different now because of that oncologist. We always knew the tumor could grow back but my daughter was told the tumor is benign and her psychology was fantastic. Now the word malignant is out there. Unnecessary. Now… I wake up occassionally at 2 in the morning and I am thinking about the tumor. </p>

<p>It is funny. The smartest people I know are not afraid to say I don’t know. This oncologist did not know how to read a mri. He should have kept his mouth shut. The oncologist is not as smart as he thinks he is. </p>

<p>I think another clean mri will help. Although this tumor can grow back in 10 to 15 years, most problems occur if the tumor grows back during the first 4 years. We made it through the first 3 months. :)</p>

<p>Paychology is very important. When I read about people who have survived after getting a brain tumor, I do feel better. There is a person that is on one of my daughter’s sports teams that just had a brain tumor removed. There is a chance this young lady is going to have some problems down the road.</p>

<p>Thanks for the good wishes.</p>

<p>Oldmom4896, 3 different people with brain cancers… Wow.</p>

<p>We were told that the Affordable Care Act would:</p>

<ol>
<li> Provide universal coverage</li>
<li> Result in no new taxes to the middle class</li>
<li>Provide an annual cost savings of $2500/yr</li>
<li>Cause no increase in the deficit</li>
<li>Allow you to keep your existing coverage</li>
</ol>

<p>Are these claims true or false?</p>

<p>I was born more than 50 years ago, but in a big city hospital. The cost was $30 for everything. And my mom was in the hospital for several days. That was the norm in those days. </p>

<p>What does an uncomplicated birth cost now in a hospital? I’m sure hospital care has gone up way more than inflation.</p>

<p>riprorin: Don’t forget “If you like your doctor, you can keep your doctor” and “if you like your health care plan, you can keep your plan”.</p>

<p>dstark, best wishes to you and both your daughters. I hope Obamacare never makes any difference to your daughter who is recovering from the tumor, because she is healthy as a horse and doesn’t need any more steenkin’ doctors.</p>

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<p>And I don’t believe anyone had insurance either.</p>

<p>CF, thanks. You have been fantastic in this thread… You and Calmom sharing your knowledge. I appreciate that too.</p>

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<p>No we weren’t. In fact, it was made abundantly clear that this was NOT universal coverage- by both supporters and detractors.</p>

<p>Sorry Romani; I was thinking of the controversies around medical screening, not the treatment of existing illness. </p>

<p>Wrong links. x)</p>

<ol>
<li><p>Provide universal coverage: The Supreme Court decision was a blow to that. We’ll see how many people now eligible will sign up. We don’t know yet.</p></li>
<li><p>Result in no new taxes to the middle class: And it hasn’t.</p></li>
<li><p>Provide an annual cost savings of $2500/yr: For the average family. The jury is still out on this one, until we see who signs up, but it looks like a solid claim because of the subsidies. Most of the people eligible to newly sign up for the exchanges are eligible for subsidies. Some people are seeing premiums go up, some of them by a lot. Some people are seeing premiums go down.</p></li>
<li><p>Cause no increase in the deficit: That looks right, unless Congress decides to get rid of the medical devices tax</p></li>
<li><p>Allow you to keep your existing coverage: Some people, including some on this thread, are saying that their insurance companies are changing their existing coverage. Others are saying they can keep their existing coverage.</p></li>
</ol>

<p>Okay, it was a campaign promise. In fact, it will cover less than those currently uninsured.</p>

<p>And tbe other prmises?</p>

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</li>
</ol>

<p>Way back in the very beginning, universal coverage may have been a goal that was talked about, but that’s because Obamacare included another option besides the exchanges. Under the original plan, there was the public option – Medicare for all. Anyone who didn’t have insurance through work, or didn’t want to shop on the private market, could go sign up for Medicare coverage. Of course, that would have been cheaper than anything a profit-driven company could offer and would have been a death-blow to the insurance industry. So the public option was quickly killed. Once that was off the table, universal coverage was never going to be a possibility.</p>

<p>We and my extended family (numbering about 30) are all able to keep their existing employer group plans and have their kids covered thru age 26. We are happy that some additional uninsured folks will be covered. We have not been told that there will be much or any premium increases.</p>

<ol>
<li>Result in no new taxes to the middle class: And it hasn’t.</li>
</ol>

<p>President Obama at the Clinton Global Initiative regarding the health care law: “So what we did — it’s paid for by a combination of things. We did raise taxes on some things.”</p>