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If you have insurance, idiot, the cost will be covered once you hit the deductible
either you are lying or you are ignorant
the bronze plan for example
you pay 100 percent until the deductible is met
silver plan-then insurance pays 60 percent and the insured pays 40 percent
bronze - 70%-30%
gold - 80% -20%
Types of Health Insurance Plans
Do you know what "out of pocket maximum" means?
"out of pocket maximum"
means for covered services only
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
Do you know what "out of pocket maximum" means?
"out of pocket maximum"
means for covered services only
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
Yes....and?
I'm sorry. I require clarification.
What do you think covered services are? See page 6 of your link for services not covered.
If I buy a bronze plan under the exchange....and then I have to have a heart transplant that costs $250,000, about how much money will I have to take out of my bank account to pay the hospital for the year that I have that surgery?
Hint: the answer is in your link.
This is an issue that will hopefully be brought up in all media outlets come Thanksgiving Season. Being the Democrats have decided the choke the middle class by doubling their health-care expenses and not giving a (%$#it), this could also be a factor in Americans attitudes/approval rating of Democrats. {what is it this week? 24% ???}
And come 2014, let's hope conservative media and every conservative leader brings up the dilemma of how now, Obama-Care is making millions of American Families having to choose between buying expensive health-care, heat, and food. Can't wait for Democrats to try and spin that future crisis.
Hmm, I will be purchasing a policy for my family off of the exchange and it will have basically the same coverage as I now have. The cost will also be about the same with no subsidy. There are probably some people who will be pinched a bit but I have not seen any verified instances where anybody will be paying double or triple what they are currently paying. Now for people who are purchasing insurance for the first time and who will not receive a subsidy, they may well be shocked at the prices. Of course since we pay $8500 per year for each person's healthcare who lives in the US, nobody should be expecting insurance for $100 per month with zero deductible and that covers everything 100%. You guys crack me up. It's basic math.
Good for you and yours.
I'm glad you have been able to afford continual coverage.
That means it's been in you budget all along.
Now, how about those among us that have never had that expense....either out of lack of desire for it or just plain out couldn't afford it??
It is a line on their budget that was never there before.
Whether it's only $100/month or $300/month, that's 100-300 times more than what they have been paying
"out of pocket maximum"
means for covered services only
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
Yes....and?
I'm sorry. I require clarification.
What do you think covered services are? See page 6 of your link for services not covered.
If I buy a bronze plan under the exchange....and then I have to have a heart transplant that costs $250,000, about how much money will I have to take out of my bank account to pay the hospital for the year that I have that surgery?
Hint: the answer is in your link.
that link is only an example
50% coinsurance after
deductible is met (and that is just the surgeon fee)
and only if preauthorized
Yes....and?
I'm sorry. I require clarification.
What do you think covered services are? See page 6 of your link for services not covered.
If I buy a bronze plan under the exchange....and then I have to have a heart transplant that costs $250,000, about how much money will I have to take out of my bank account to pay the hospital for the year that I have that surgery?
Hint: the answer is in your link.
that link is only an example
50% coinsurance after
deductible is met (and that is just the surgeon fee)
and only if preauthorized
Primary care visit to treat an ]injury or illness
50% after
deductible is met
Specialist visit
50% after
deductible is met
Imaging (CT/PET scans,
MRIs)
50% after
deductible is met
Preauthorization required
outpatient surgery facility fee
50% after
deductible is met
Preauthorization required
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
that link is only an example
50% coinsurance after
deductible is met (and that is just the surgeon fee)
and only if preauthorized
Primary care visit to treat an ]injury or illness
50% after
deductible is met
Specialist visit
50% after
deductible is met
Imaging (CT/PET scans,
MRIs)
50% after
deductible is met
Preauthorization required
outpatient surgery facility fee
50% after
deductible is met
Preauthorization required
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
You think that the insured in this example must pay 50% of all expenses after the deductible is met, don't you? You think that the insured could be liable for 10's of thousands of dollars per year, don't you?
WTF am I dealing with here? Please....nutters. Bring in some ringers. This shit is sad.
Hmm, I will be purchasing a policy for my family off of the exchange and it will have basically the same coverage as I now have. The cost will also be about the same with no subsidy. There are probably some people who will be pinched a bit but I have not seen any verified instances where anybody will be paying double or triple what they are currently paying. Now for people who are purchasing insurance for the first time and who will not receive a subsidy, they may well be shocked at the prices. Of course since we pay $8500 per year for each person's healthcare who lives in the US, nobody should be expecting insurance for $100 per month with zero deductible and that covers everything 100%. You guys crack me up. It's basic math.
Good for you and yours.
I'm glad you have been able to afford continual coverage.
That means it's been in you budget all along.
Now, how about those among us that have never had that expense....either out of lack of desire for it or just plain out couldn't afford it??
It is a line on their budget that was never there before.
Whether it's only $100/month or $300/month, that's 100-300 times more than what they have been paying
If you "lack the desire" to keep us from paying your medical bills for you, too fucking bad. If you can't afford it, you'll likely be receiving a subsidy to help you afford it. If you REALLY can't afford it, pay the penalty.
The penalty for not having health insurance, at least for 2014, is up to $95 per adult and $47.50 per child or 1 percent of your taxable income whichever is greater. It does go up substantially in a couple of years, eventually to a maximum of 2.5 percent of taxable income. The amount you owe will be pro-rated to reflect the number of months you were without coverage.Understanding The Health Insurance Mandate And Penalties For Going Uninsured
If you owe the penalty, it is assessed on your 2014 income tax form that's due April 15, 2015. And that's how the government finds you it asks on your income tax form if you had health insurance. People who have it will get some sort of certificate of coverage from their health insurers. If your income is so low that you do not file a tax return, you are exempt from paying the penalty.
Primary care visit to treat an ]injury or illness
50% after
deductible is met
Specialist visit
50% after
deductible is met
Imaging (CT/PET scans,
MRIs)
50% after
deductible is met
Preauthorization required
outpatient surgery facility fee
50% after
deductible is met
Preauthorization required
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
You think that the insured in this example must pay 50% of all expenses after the deductible is met, don't you? You think that the insured could be liable for 10's of thousands of dollars per year, don't you?
WTF am I dealing with here? Please....nutters. Bring in some ringers. This shit is sad.
they are only going to pay for covered services
services not covered
do not count as out of pocket caps
it is just the way it is
and then there is the problem of pre authorizing services
if you think heart surgery is 1 guaranteed and
2 cost the insured
a few thousand dollars you are nuts
for example of you get an MRI and it is not pre authorized
the insurance is not going to pay it
if you get the service you will be expected to pay for it
from your own funds
You think that the insured in this example must pay 50% of all expenses after the deductible is met, don't you? You think that the insured could be liable for 10's of thousands of dollars per year, don't you?
WTF am I dealing with here? Please....nutters. Bring in some ringers. This shit is sad.
they are only going to pay for covered services
services not covered
do not count as out of pocket caps
it is just the way it is
and then there is the problem of pre authorizing services
if you think heart surgery is 1 guaranteed and
2 cost the insured
a few thousand dollars you are nuts
for example of you get an MRI and it is not pre authorized
the insurance is not going to pay it
if you get the service you will be expected to pay for it
from your own funds
Man...services not covered are listed in any policy. They are things like acupuncture and long term nursing care. Pretty much all the shit a person needs covered when it comes to their health are covered. There is an OUT OF POCKET MAXIMUM that refers to 99.99% of the shit that one could need coved.
Done.
"out of pocket maximum"
means for covered services only
http://www.affinityplan.org/uploade...al Bronze Plan_No Ped Dental_FINAL_092613.pdf
Yes....and?
I'm sorry. I require clarification.
What do you think covered services are? See page 6 of your link for services not covered.
If I buy a bronze plan under the exchange....and then I have to have a heart transplant that costs $250,000, about how much money will I have to take out of my bank account to pay the hospital for the year that I have that surgery?
Hint: the answer is in your link.
that link is only an example
50% coinsurance after
deductible is met (and that is just the surgeon fee)
and only if preauthorized
Anybody wanna take a stab at what "off exchange" means?
Yes....and?
I'm sorry. I require clarification.
What do you think covered services are? See page 6 of your link for services not covered.
If I buy a bronze plan under the exchange....and then I have to have a heart transplant that costs $250,000, about how much money will I have to take out of my bank account to pay the hospital for the year that I have that surgery?
Hint: the answer is in your link.
that link is only an example
50% coinsurance after
deductible is met (and that is just the surgeon fee)
and only if preauthorized
$6350 is the "max" out of pocket....yes ONLY for covered services...but one must make the decision to employ "non covered srvices"....."one" meaning the insured.
This is an issue that will hopefully be brought up in all media outlets come Thanksgiving Season. Being the Democrats have decided the choke the middle class by doubling their health-care expenses and not giving a (%$#it), this could also be a factor in Americans attitudes/approval rating of Democrats. {what is it this week? 24% ???}
And come 2014, let's hope conservative media and every conservative leader brings up the dilemma of how now, Obama-Care is making millions of American Families having to choose between buying expensive health-care, heat, and food. Can't wait for Democrats to try and spin that future crisis.
The parties are unequal in how the problem has been created, he said, but both are equally responsible for trying to come up with a solution.
One of the most vocal and best connected of Americas business leaders, Schultz was scornful of a stopgap proposal that has recently gained currency in the gridlocked capital: a lifting of the federal borrowing limit that would carry the government for six weeks.
He said that such a measure would solve none of the underlying issues and would hurt the U.S. economy by pushing the peak of the crisis into the midst of the lucrative holiday shopping season.
Its ridiculous and, in my mind, fools gold. Its a Band-Aid, Schultz said. And what it will do is put it back into the middle of the holiday season, which is so irresponsible. Its shameful. There is no question that no business, small or large, will be immune from the burden that will be placed on the American consumer by this."
Starting Friday morning, Schultz and his aides said, paper petitions will be available at roughly 8,000 to 10,000 Starbucks locations in the U.S. The petition can be signed online at ComeTogetherPetition.com or liked on Facebook. People can print out a blank petition at the website and bring signed copies to the stores. And the petition will be printed in multiple national newspapers so that readers can tear it out, sign it and bring to Starbucks.
Starbucks says it serves about 45 million customers per week in the U.S.
