Doc1
Gold Member
The average annual out of pocket is $6224, not $14,200. The services available at no cost go way beyond just mammograms. There are 63 free services which include a yearly office visit, free vaccinations, and dozens of free screenings and test for all members of the family. In addition, having a bronze plan or most any insurance plan means that you will be paying a contracted rate in the deductible phase if you see network providers which saves an average of 25% to 35% and that includes prescription drugs.The numbers on Medicaid can be determined by using the state numbers, in fact that's where the fed gets the numbers from because the states administer the programs. Number of insurered comes from the US Census Bureau. I assume you think they are lying too so there is no need digging up those number or wasting time on conspiracy theories.The problem with that is Obama's Administration is dishonest, when it comes to what caused Benghazi or Russian hacking. It's all lies. It's not much of a stretch to assume that every statistic that they produced is politically motivated and just as dishonest using fuzzy math.I have always found it interesting that the opponents to any government program only believe the government statistics that support their view. The rest are just bull shit.One shouldn't quote an Obama created source, it simply isn't credible in this and neither would a Reagan Source.
"Companies get a sizable federal tax break from providing the insurance"
They only get a % of the cost.
"The cost burden on employers has been grossly over estimated. Over 90% of all employee healthcare plans include all the essential coverage in Obamacare."
No, it is a primary expenditure and is usually the largest employer expenditure.
"Over 90% of all employee healthcare plans include all the essential coverage in Obamacare."
True.
"Unlike individual plans, employer plans are not impacted by preexisting condition elimination. "
Yes and no. No it depends on whether or not one had prior credible coverage or not.Yes, if not depending on the plan there could be a 6 or 12 month waiver on the condition.
"The Medicare cuts contained in the law were aimed at improving care by limiting fraud, waste, and abuse. "
Aimed at but not achieved.
"improved it. The Medicare cuts contained in the law were aimed at improving care by limiting fraud, waste, and abuse. The money saved from those cuts has been being reinvested back into Medicare and ObamaCare to improve care for seniors. Improvements include closing the Medicare Part D “donut hole”, reducing overpayments to hospitals, and more. As of early 2015 8.2 million seniors had saved more than $11.5 billion on their prescription drugs since 2010 – an average of $1,407 per beneficiary."
Mostly propaganda. Think about it.....if you "cut" 716 Billion you cannot by definition be reinvesting it BACK into the program. Yes, the "doughnut hole" will be closed by 2020 meaning that they will have no more than a 25% co-payment for their drugs once they reach the threshold. Today they (the elderly) are STILL getting hammered by having to pay 50 to 75 % co-payments in the hole.
Stay away from pro Obama bullshit.
The fact is government statistics on it's programs are not collected to just to defend the program but to manage them. For example, the IRS has to handle Obamacare subsidies, they need the data as to who get's subsidies and how much is collected. Numbers of Medicaid enrolls must be collected so both the feds and states can determine their share of the costs. State Insurance Commission need to know statistics on what companies are selling in their state. The BLS, OBM, and CBO, require all kinds of statistics on the ACA for budget purposes, projections, and ad hoc requests from congress.
I'll ask you again. Do you really think that someone who NEEDS the subsidies just to buy a Bronze PLan that STILL exposes them to a 14200 out of pocket expense is truly helpful? Do you actually think that they are going to say : "Well at least my mammogram was free".
We're paying their subsidies and WE'RE paying that 14200 that they can't afford.
You seem to be snagged on the Medicaid portion of the law, why?
Do you understand WHY the Feds wanted the States to expand Medicaid? I'll help you with it. The The majority f the Medicaid expenditures come from the State. That way the Feds can keep those expenditures OFF of THEIR books, it shows as a State expenditure and makes the numbers LOOK better for the Feds.
That's it. It's all about which/who's dollars are being spent.
Keep in mind what we are discussing is individual plans which are where only 12% to 14% of the people get their insurance. People that buy these plans typically are not eligible for employer sponsored plans which have significantly lower premiums, lower deductibles, and better benefits. The main reason these plans are so expensive is many people that buy these plans have very significant healthcare problems and unlike employee plans they are not negotiated rates.
The federal government matches states on Medicaid expenses that is states pay 50%. Until 2016, the federal government paid 100% the cost of the expanded Medicaid which was part of Obamacare. After 2016, the federal government reduces the payments to 90%. However this all goes away with Obamacare. Those that are on expanded Medicaid in 31 states will lose their coverage unless the state picks up 100% of cost or Republicans include it in the replacement plan. Today there are 72 million people who get their healthcare coverage from Medicaid up from 54 million before Obamacare.
Medicaid Financing: How Does it Work and What are the Implications?
Preventive Services Covered Under the ACA
You aren't using up to ate info son, I suggest you try again.You also have no idea what an aggregate deductible is and that is what most Bronze plans are. In short, a family must pay two deductibles before the insurance company pays a dime. Like I said it is now and always has been Federal dollars vs. State Dollars.
You are over your head here. I'll say it again, when the "free stuff" is stacked against the pot of pocket nobody cares about the "free stuff".
Find the 2017 info and get back to me.