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Seriously, Can Someone Explain Obamacare??

 
Anonymous Coward
User ID: 1865772
Canada
11/14/2012 04:10 PM
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Re: Seriously, Can Someone Explain Obamacare??
So from what I gather, no one knows exactly. Wonderful.
 Quoting: Anonymous Coward 11330901


C'mon man you have to pass the legislation to find out what's in it.
Anonymous Coward
User ID: 9026665
United States
11/14/2012 04:12 PM
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Re: Seriously, Can Someone Explain Obamacare??
Obamacare is the government takeover of 1/7th of the US economy. They are coming for energy next.
 Quoting: RayGun


USSA, the next COMMUNIST country. Never thought I would live to see this happen with my own eyes.

It took 200+ Years to build this greatest nation we live in and about 4 years to tear it all down.

Obama = Hitler
Anonymous Coward
User ID: 9026665
United States
11/14/2012 04:14 PM
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Re: Seriously, Can Someone Explain Obamacare??
Buy insurance or pay a fine to the IRS

Insure all your full-time employees or reduce their hours to less than 30, or else pay a huge fine to the IRS

Medicare cuts. Doctor reimbursement rates significantly lowered. Taxes taxes taxes. Exemptions for companies Obama likes.


That's really about all there is to it.
 Quoting: Anonymous Coward 8260452


OK, so if you lose your job, or your employer cuts your hours, how long does a private citizen have to get his own coverage?

It seems it'll be a system wherein everyone has to get their own insurance, as companies will cut back. Or if you lose your job you'll still be insured. So basically, this will probably kill employee benefits that companies offer.

But as I asked, if you have insurance, but then lose it, is their a grace period to find new coverage, or do you pay per day of being uninsured??
 Quoting: Anonymous Coward 11330901


People under a certain income level are exempt
 Quoting: Anonymous Coward 8260452


Under 30K Exempt
Muslims = Exempt
Amish = Exempt
Jewish = Exempt
Many companies = Expempt

What's the trend i see here? White, Christian, male --> Obamacare
Anonymous Coward (OP)
User ID: 11330901
United States
11/14/2012 04:22 PM
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Re: Seriously, Can Someone Explain Obamacare??
5 years after implementation of O-Care the taxes on business are going to rise so high ( by design ) Companies will no longer be able to afford it and therefore people will have to go on the "Exchange" or Govment plan.
 Quoting: Anonymous Coward 9026665


As of now, there doesn't appear to be any "Exchange," that is, if you don't have health care, you pay a penalty tax for being uninsured, you don't get any sort of Govt. Exchange in the process. You're still uninsured, just paying for being uninsured.
Anonymous Coward (OP)
User ID: 11330901
United States
11/14/2012 04:28 PM
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Re: Seriously, Can Someone Explain Obamacare??
It looks like the bill does a lot of good stuff and sticks it to the greedy insurance companies, but in the end, it looks like it will also be a huge burden on the economy and at the end of the day, insurance companies will make a killing in the long run since so many more people are going to end up buying insurance.

My argument is that the American DIET is what is leading to a health crisis, and that our medical care system, aside from excellent surgical care, is poor at helping or improving your long-term conditions like diabetes.
 Quoting: Super Bowl Dave


It looks as if people will have to buy private insurance, that way if they lose their job, or their employer drops their health care plan, the individual would still be insured regardless.

One of the things that attract people to jobs are benefits. Under this system, everyone will have to get private insurance plans or pay for not having a private insurance plan.

As for the American diet and what our health care system does/doesn't do, that's not really a question of insurance but rather medical practice.
Anonymous Coward
User ID: 27755367
United States
11/14/2012 04:28 PM
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Re: Seriously, Can Someone Explain Obamacare??
5 years after implementation of O-Care the taxes on business are going to rise so high ( by design ) Companies will no longer be able to afford it and therefore people will have to go on the "Exchange" or Govment plan.
 Quoting: Anonymous Coward 9026665


As of now, there doesn't appear to be any "Exchange," that is, if you don't have health care, you pay a penalty tax for being uninsured, you don't get any sort of Govt. Exchange in the process. You're still uninsured, just paying for being uninsured.
 Quoting: Anonymous Coward 11330901


The Exchanges and Mandate do not go into effect until 2014. Buy then we will hopefully have a better idea how this is going to work.
Anonymous Coward
User ID: 27755367
United States
11/14/2012 04:31 PM
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Re: Seriously, Can Someone Explain Obamacare??
My workplace has already said they are going to pawn us off onto the exchange come 2014. I will be ok with that if they pay me the $12,000 yr. they say they pay for my Health Insurance as part of my compensation package.
Shamar

User ID: 24946868
United States
11/14/2012 04:31 PM

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Re: Seriously, Can Someone Explain Obamacare??
From what I gather, you have a choice between getting insured by an insurance company, or pay a fee for being uninsured.

A lot of people still seem to think that if you're uninsured and you pay the fee, then you get USA Government Healthcare. But from what I gather, no such thing exists. It's either pay to be insured, or pay to not be insured.

What if you have insurance through an employer, but then you lose your job (fired/quit/lay off/company goes out of business, etc.)? Usually when that happens, benefits terminate immediately. Do you have X amount of days to get new coverage?

How long can you be uninsured in a given year without having to pay the government for being uninsured come tax time? Like if you go without medical insurance for a few months, do you have to pay for those few months for not being insured?

And how in the world was this ever passed and the reality we're facing?
 Quoting: Anonymous Coward 11330901


[link to www.youtube.com]

Last Edited by Shamar on 11/14/2012 04:31 PM
Love is a state of Being. Your love is not outside; it is deep within you. You can never lose it, and it cannot leave you. You can feel the same life deep within every other human and every other creature. You look beyond the veil of form and separation. This is the realization of oneness. This is love. What is God? The Eternal One Life underneath all the forms of life. What is love? To feel the presence of that One Life deep within yourself and within all creatures. To be it. Therefore, all love is the love of God.

Death is a stripping away of all that is not you. The secret of life is to die before you die - and find that there is no death.
Anonymous Coward (OP)
User ID: 11330901
United States
11/14/2012 04:32 PM
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Re: Seriously, Can Someone Explain Obamacare??
The Exchanges and Mandate do not go into effect until 2014. Buy then we will hopefully have a better idea how this is going to work.
 Quoting: Anonymous Coward 27755367


The exchanges are supposed to be offices to allow people to pick a plan if they're uninsured. But it's not actually a nation-wide health care plan. It's basically like going to an insurance salesmen to pick out the best insurance for your car. But this is mandatory and I can see pretty much everyone ultimately having to buy private insurance.

Companies won't offer benefits, and there is no National Health Care Insurance like in other countries. This is fucked up.
Anonymous Coward (OP)
User ID: 11330901
United States
11/14/2012 04:36 PM
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Re: Seriously, Can Someone Explain Obamacare??
 Quoting: Shamar


Wow.
Anonymous Coward
User ID: 27754750
United States
11/14/2012 04:41 PM
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Re: Seriously, Can Someone Explain Obamacare??
a long depression that is decade(s) long, will make this
look like the most retarded concept since prohibition.

many years of very high unemployment and most americans
qualifying for free or cheap healthcare will be impossible.

democrats are nothing but weirdos who try to compel their
insanities on people that were minding their own business.
DT2

User ID: 10406153
United States
11/14/2012 04:42 PM
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Re: Seriously, Can Someone Explain Obamacare??
So from what I gather, no one knows exactly. Wonderful.
 Quoting: Anonymous Coward 11330901


C'mon man you have to pass the legislation to find out what's in it.
 Quoting: Anonymous Coward 1865772


LOL. I still can't get over Pelosi saying that.
“A free people ought not only to be armed and disciplined, but they should have sufficient arms and ammunition to maintain a status of independence from any who might attempt to abuse them, which would include their own government.” --President George Washington
Anonymous Coward (OP)
User ID: 11330901
United States
11/14/2012 04:45 PM
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Re: Seriously, Can Someone Explain Obamacare??
a long depression that is decade(s) long, will make this
look like the most retarded concept since prohibition.
 Quoting: Anonymous Coward 27754750


That's a good point. We may have to suffer under this system before its failure become apparent. Of course, will it ever be repealed or is this just a continuing downward spiral of ruining this country?
Anonymous Coward
User ID: 26102818
United States
11/14/2012 04:50 PM
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Re: Seriously, Can Someone Explain Obamacare??
40% of business in Nacy Pelosies district get waviers to this as do must unions across the country..

i don't get why Romney never brought it up.. the amount of healthcare waviers is staggering.
Anonymous Coward
User ID: 1643846
United States
11/14/2012 05:05 PM
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Re: Seriously, Can Someone Explain Obamacare??
5 years after implementation of O-Care the taxes on business are going to rise so high ( by design ) Companies will no longer be able to afford it and therefore people will have to go on the "Exchange" or Govment plan.
 Quoting: Anonymous Coward 9026665


As of now, there doesn't appear to be any "Exchange," that is, if you don't have health care, you pay a penalty tax for being uninsured, you don't get any sort of Govt. Exchange in the process. You're still uninsured, just paying for being uninsured.
 Quoting: Anonymous Coward 11330901


It looks like the bill does a lot of good stuff and sticks it to the greedy insurance companies, but in the end, it looks like it will also be a huge burden on the economy and at the end of the day, insurance companies will make a killing in the long run since so many more people are going to end up buying insurance.

My argument is that the American DIET is what is leading to a health crisis, and that our medical care system, aside from excellent surgical care, is poor at helping or improving your long-term conditions like diabetes.
 Quoting: Super Bowl Dave


Oh Obamacare is great unless you are a doctor or hospital or need care from one. Reimbursements will be cut by 5-10% for Medicare after years of being cut to below cost of seeing a patient already. A Medicare doctor gets paid less than a good plumber or electrician. I guess a plumber can get that clog out in your arteries. This is why doctors limit the number of Medicare patients they treat.

Note from Forbes ... Steve Daniels, a reporter with WTVD, led an investigation into problems with Medicare access in North Carolina. A team of volunteers used the “mystery shopper” method, posing as Medicare beneficiaries looking for a new doctor. Of the 200 family physicians they called, nearly half said that they were no longer accepting new Medicare patients.

Because they lose money from Medicare, doctors are forced to make money from private insurance patients. Yet, these insurance companies are starting to move their rates to be closer to Medicare because government will provide two plans on the state exchanges. So like Engand, you will have two level of care. One of everyone. One for the elite who can pay extra for insurance to gain access to doctors who charge more than a plumber rate.

Don't believe me on pay, see Times article ..... He notes that some master plumbers (about five to seven years experience) at the Cincinnati-based company make in excess of $100,000 a year. "A good plumber can pretty much write his ticket and make a good living with a good amount of experience," Abrams says.

Now a pediatrician, family practice doc, .... makes only $150,000 in a hospital setting. They have been forced to move to hospitals because of these low reimbursements and due to needing to computerize medical records and submit quality metrics to Medicare, not an easy tak even with computers. If the pay goes lower, why not become a plumber?

Hospitals want these docs though because they make money on surgeries and procedures. This is the reason why costs have spiraled out of control - those with deep pockets pay for others who dont. Thus, the hospitals need to pair a family doc with a surgeon to break even. Yet, the last straw is Medicare will give a fixed $ amount per illness instead of pay for each procedure and test. Sounds great because doctors order so many tests to milk the system. Right? Yet, if they don't do everything to save a patient life and they miss something, what happens? So are the tests due to make money or CYA. Now, they can make money from this new reimbursement system if they select the healthiest and simplistic patients to treat. They lose money on sicker patients who have more comic actions not covered by fixed fees. Guess how this will go. I laughed when Dems complain of Medicare Advantage marketing and profiting fom the healthiest seniors, as they just set up the exact same system. Good luck if you are chronically ill or morbitally obese as the removal of lifetime max will not benefit you because hospitals will be reluctant to treat you if they will not even 1/10 of the cost to treat you. Again, most hospitals will treat you. But, good docs will set up specialty centers to earn a living, letting the doctor who is all thumbs to the public hospitals.
Anonymous Coward
User ID: 17493812
United States
11/14/2012 05:12 PM
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Re: Seriously, Can Someone Explain Obamacare??
The end game is a single payer system, then the government will decide everything. The ACA is just the road they are taking to get there, the system will implode and they know it.
Ted Nougat
User ID: 1339238
United States
11/14/2012 05:30 PM
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Re: Seriously, Can Someone Explain Obamacare??
It's not meant to be understood, it's meant to be such a massive piece of legislation that it can truly be whatever they want it to be. The intrusion has already been made with its passing. From here on out, it will only be expanded and ammended and added to.

Those who voted for this "gift" bestowed upon us need to ask: 45 million or so people were "uninsured" - presumably because they couldn't afford it - and this served as the impetus for such a massive bill. With the passage of this bill, how will said people suddenly now be able to afford health insurance or the fine levied against them when they do not purchase what they can't afford in the first place?

16 thousand new IRS agents will apparently be needed to enforce compliance of Obamacare. Businesses will have to hire additional personnel to oversee and administer compliance with the new Law, requiring additional salaries and benefits for these new positions, which will require the costs of goods and services to go up, which will be paid by you and me, the consumers.

Of course, they can always just keep costs down or at about the same by slashing jobs and hours of employees elsewhere.

Oh ya. That's precisely what's happening.
Triskele

User ID: 4093730
United States
11/14/2012 05:58 PM
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Re: Seriously, Can Someone Explain Obamacare??
What I don't understand is if you work for an employer and they provide health insurance to employees under obamacare...the employee still has to pay for the health benefits right?? I keep hearing about all the Papa Johns employees who are pissed about losing hours and are telling the CEO to raise prices on the pizzas to cover the health insurance but I don't think that means Papa Johns actually has to pay 100% for the employee's health insurance right?

Or am I wrong?
 Quoting: Triskele


You pay into health care from your paycheck, but the company also pays into it per employee, but that's usually for full-time employees (40 hours a week or more) only.

If you work less than 40 hours, depending on the insurance policy, the company you work for doesn't have to pay anything toward your coverage. Meaning that if you work less than 40 hrs, you're still eligible for your company's insurance plan, but YOU pay for everything.

And now you really can't chose to go without it, because then you'd have to pay the government for being uninsured.

I think there is a huge misconception that this is free healthcare.
 Quoting: Triskele


Amen! You're absolutely correct. People think it's going to be like Canada or the UK where they have ONE insurance company run by the govt. that everyone belongs to....but it's not going to be that way.
 Quoting: Anonymous Coward 11330901


Thanks for clarifying that for me. My husband covers our family through his company and so far they kicked us out of an 80% plan into a 70% plan in order to not have to lay off or cut hours for 2013. We have to pay more for the 70% plan than the one we had. I am sitting back curious to see what will happen with all these employees when they find out they have to pay for it anyway.
Anonymous Coward
User ID: 1610534
United States
11/14/2012 06:08 PM
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Re: Seriously, Can Someone Explain Obamacare??
From what I gather, you have a choice between getting insured by an insurance company, or pay a fee for being uninsured.
 Quoting: Anonymous Coward 11330901


What, exactly, is the legal definition of "you"?
Anonymous Coward
User ID: 22441207
United States
11/14/2012 06:09 PM
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Re: Seriously, Can Someone Explain Obamacare??
Buy insurance or pay a fine to the IRS

Insure all your full-time employees or reduce their hours to less than 30, or else pay a huge fine to the IRS

Medicare cuts. Doctor reimbursement rates significantly lowered. Taxes taxes taxes. Exemptions for companies Obama likes.


That's really about all there is to it.
 Quoting: Anonymous Coward 8260452


THIS lol

Couldn't say it any better

lmao
Anonymous Coward
User ID: 14349741
United States
11/14/2012 06:11 PM
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Re: Seriously, Can Someone Explain Obamacare??
So from what I gather, no one knows exactly. Wonderful.
 Quoting: Anonymous Coward 11330901


C'mon man you have to pass the legislation to find out what's in it.
 Quoting: Anonymous Coward 1865772


LOL. I still can't get over Pelosi saying that.
 Quoting: DT2



[link to www.youtube.com]
Anonymous Coward
User ID: 22441207
United States
11/14/2012 06:14 PM
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Re: Seriously, Can Someone Explain Obamacare??



[link to www.youtube.com]


This is Satan speaking through this idiot woman.

Most evil thing to ever said.
Anonymous Coward
User ID: 25166254
United States
11/14/2012 06:16 PM
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Re: Seriously, Can Someone Explain Obamacare??
Only negrids can understand negrid laws. Ask an intelligent negrid to explain it. Good luck on finding one.
Anonymous Coward (OP)
User ID: 11330901
United States
11/14/2012 06:30 PM
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Re: Seriously, Can Someone Explain Obamacare??
It's not meant to be understood, it's meant to be such a massive piece of legislation that it can truly be whatever they want it to be. The intrusion has already been made with its passing. From here on out, it will only be expanded and ammended and added to.

Those who voted for this "gift" bestowed upon us need to ask: 45 million or so people were "uninsured" - presumably because they couldn't afford it - and this served as the impetus for such a massive bill. With the passage of this bill, how will said people suddenly now be able to afford health insurance or the fine levied against them when they do not purchase what they can't afford in the first place?

16 thousand new IRS agents will apparently be needed to enforce compliance of Obamacare. Businesses will have to hire additional personnel to oversee and administer compliance with the new Law, requiring additional salaries and benefits for these new positions, which will require the costs of goods and services to go up, which will be paid by you and me, the consumers.

Of course, they can always just keep costs down or at about the same by slashing jobs and hours of employees elsewhere.

Oh ya. That's precisely what's happening.
 Quoting: Ted Nougat 1339238


Well said.