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Thread: Trump calls it quits

  1. #91
    shaina's Avatar Poster
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    Quote Originally Posted by Caballero View Post
    832.632.8437
    Tell your friend to ask for Shelby. She'll help her evaluate her options.
    If she really pays $1200/month, Shelby should be able to get her an off-exchange plan that's cheaper and that's accepted by the doctors.
    You're welcome.
    Is there more involved on this cost premium??

  2. The Drawing Room   -   #92
    shaina's Avatar Poster
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    Quote Originally Posted by Skiz View Post
    I'm on the mobile so can't bother quoting properly.
    She should try to understand how the system works? Out of network? It's Obamacare. The whole point of it was to give people in all areas of the country affordable options. She lives in suburban Houston with thousands of options and still can't get the care she needs simply because doctors don't accept it. The margins are just too small.
    Doctors don't accept it, Why??

    A doctor here gets $20-40(approx) per visit that lasts maybe 15 minutes, as far as i have read, Obamacare gets $50 for 15 minute visit
    Where is the problem here??

  3. The Drawing Room   -   #93
    Skiz's Avatar (_8(I)
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    Quote Originally Posted by shaina View Post
    Quote Originally Posted by Skiz View Post
    I'm on the mobile so can't bother quoting properly.
    She should try to understand how the system works? Out of network? It's Obamacare. The whole point of it was to give people in all areas of the country affordable options. She lives in suburban Houston with thousands of options and still can't get the care she needs simply because doctors don't accept it. The margins are just too small.
    Doctors don't accept it, Why??

    A doctor here gets $20-40(approx) per visit that lasts maybe 15 minutes, as far as i have read, Obamacare gets $50 for 15 minute visit
    Where is the problem here??
    They don't accept it bc they aren't reimbursed at a high enough rate by the exchanges plan to make it worth their time. It's just a matter of dollars and cents.

    And the amount reimbursed cannot be simplified like that. ($50 for 15 minute visit). Different exchanges offer different pros and cons. Each paying out different amounts. And the basic office visit may not be (and likely isnt) the only factor. It's the overall margins that matter. A comes in for the flu, B comes in for a physical, C comes in for blood work, etc. All of these may pay the flat rate for an office consultation but if Obamacare isn't paying out much if anything on the lab work, etc etc etc then the margins just may not be there. Or, clearly aren't there if so many doctors offices are turning away patients.


    yo

  4. The Drawing Room   -   #94
    Skiz's Avatar (_8(I)
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    Quote Originally Posted by Caballero
    832.632.8437
    Tell your friend to ask for Shelby. She'll help her evaluate her options.
    If she really pays $1200/month, Shelby should be able to get her an off-exchange plan that's cheaper and that's accepted by the doctors.
    You're welcome.
    Umm... what's the context here?

    I'm definitely not calling a friend I haven't spoken to in a while and saying I was posting her personal story on the internets and to call that person for reasons unknown.


    yo

  5. The Drawing Room   -   #95
    Caballero's Avatar Hung Like A Horse
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    Context is that that is the number of an insurance broker in Houston that can help her find better/cheaper health insurance. $1200/month pays for a policy covering a family of three (Aetna or United healthcare, I forget) in 2016, with money left over, so if she's paying that much just for her own coverage, she's definitely paying too much. And that policy was off-exchange, so doctors would accept it. And then there are enough hospitals in Houston that offer their own HMO-style insurance policies. Hermann Memorial, for example.

    Yes, choices will be even more limited in 2017 since some insurance companies have announced that they will leave the Texas market, but that's why you let the professionals deal with the details and let them research alternatives for you. If all your friend did is go on the website and sign up for the first plan she saw, then I am not surprised...

  6. The Drawing Room   -   #96
    shaina's Avatar Poster
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    Quote Originally Posted by Skiz View Post
    They don't accept it bc they aren't reimbursed at a high enough rate by the exchanges plan to make it worth their time. It's just a matter of dollars and cents.
    And the amount reimbursed cannot be simplified like that. ($50 for 15 minute visit). Different exchanges offer different pros and cons. Each paying out different amounts. And the basic office visit may not be (and likely isnt) the only factor. It's the overall margins that matter. A comes in for the flu, B comes in for a physical, C comes in for blood work, etc. All of these may pay the flat rate for an office consultation but if Obamacare isn't paying out much if anything on the lab work, etc etc etc then the margins just may not be there. Or, clearly aren't there if so many doctors offices are turning away patients.
    I am not really sure on the total breakdown Skiz, you may be right, but the $50 is just for a standard visit, if you prescribe meds you get more etc. And i am just talking GP not specialist, they always get more..

    And really i think it has to do with the Mal-practice insurance and other expenses to run there office causes problems, like i said here in Canada that is not the case..
    You never really hear of lawsuits for Mal-practice here, and the Doctors stick together here. Again there are flaws here as well but for general care it is not that bad..

    But i do know for anything to really work in the US, there will be financial hits for a few years that Americans will have to expect for any type of good system health care, and Trump saying he can fix anything without that will be really interesting to see...
    I really hope he can do something that works for all Americans, it really will be interesting how he does it, but if Publicly owned Insurance companies are involved and not Government controlled, he will have to be a magician..

    Single payer health insurance works, but it has to be built up..

    PS. Skiz.. There is another problem here, when it comes to GP's here it works on a cattle system and then it is capped per doctor, meaning, you need patience my friend, not overcharge less people and be a lazy fuck!! Doctors here do have to put in hours, or they make shit!!
    They also open clinics and feed off the other doctors (part time and get paid a salary, and take the rest from government)..
    Now i am also assuming that Obama Care was set up to be competitive to the payouts of the Insurance companies or HMO or employee company coverage. But if the doctors want to be greedy fucks and not work as hard, well that is a different story Skiz
    Last edited by shaina; 12-09-2016 at 12:02 AM.

  7. The Drawing Room   -   #97
    shaina's Avatar Poster
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    Quote Originally Posted by Caballero View Post
    Context is that that is the number of an insurance broker in Houston that can help her find better/cheaper health insurance. $1200/month pays for a policy covering a family of three (Aetna or United healthcare, I forget) in 2016, with money left over, so if she's paying that much just for her own coverage, she's definitely paying too much. And that policy was off-exchange, so doctors would accept it. And then there are enough hospitals in Houston that offer their own HMO-style insurance policies. Hermann Memorial, for example.
    Yes, choices will be even more limited in 2017 since some insurance companies have announced that they will leave the Texas market, but that's why you let the professionals deal with the details and let them research alternatives for you. If all your friend did is go on the website and sign up for the first plan she saw, then I am not surprised...
    What i am not getting about this conversation, Most people that have good steady jobs in the US are covered for all of this correct??
    It would be the same in Canada only it is not for health care but for Medications..

    And with HMO and Insurance companies, the big problem is if there is long term illnesses involved that is a killer in premiums..
    Example... When i travel to the US i buy insurance (Not covered under the Canadian health care), i pay just over $100 for the year, and that covers everything except per-existing conditions. Now if you are 65 and on some meds, any coverage sky-rockets!! ($3000 and up)..

    But with Single payer health insurance like you say it does even out but it does take time to build or the US government will have to find the funds, be it taxes all around, not just personal but Business. Again Trump and his bright ideas of cutting taxes for the rich and business that is impossible, as far as i am concerned

    It will be really interesting to see what happens in the future, just like seeing Trump take credit for businesses that he claims are staying in the US and have announced it long before they were not leaving completely, or making up figures (New Planes), to scare the public that are not even in existence yet..
    That is the Republican way. But really the bloody guy is not in office yet so speculation means shit, until he is sworn in and takes office, then the fun will begin
    Last edited by shaina; 12-09-2016 at 12:04 AM.

  8. The Drawing Room   -   #98
    Well, we can see that Trump and the Republicans are really f'ing things up. No surprise there. More debt and more spending. Eventually a Democrat will have to come in and fix shit (raise taxes, renew regulations, repair foreign relations, etc.). I'm not a fan of either party, but Republican politicians first priority is themselves (job, power, money), then corporations (fossil fuels, NRA, religion, insurance), then family & friends, and lastly American people. The rich will get richer, the middle-class and poor will get poorer, the environment will suffer, and the USA will have no credibility with the rest of the world.

    A single payer system IS probably the best way to go for healthcare. If you take profit out of healthcare, it would be much more affordable. The same thing with education. The people in charge know that when something is needed, they can charge whatever they want, especially when it comes to life or death situations.

  9. The Drawing Room   -   #99
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    American exceptionalism...ain't it great?
    ...and that's more than the prolific posters on FST can say, because... well, they're prolific posters on FST.

  10. The Drawing Room   -   #100
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    Quote Originally Posted by OlegL View Post
    Trump is like a clown; if he changes his mind and decides to run for President, he won't get elected. I really hope that Obama will get re-elected.
    I am embarrassed that I wrote that. Despite his many shortcomings, Trump did some positive things when he was President.
    I love FST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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