“You should probably try to apply earlier than Dec 23rd, but, it still takes more than 3 weeks to receive an ID card in any circumstance, is what I am trying to say. However, if one applies for, and is approved for coverage, and has paid the first premium, and has to use the insurance on/or after the intended effective date, and, if there is any discussion on who pays the bill, the result is the insurance company.
Under that set of circumstances, you cannot be penalized for delays by the insurance company. "Good Faith" means you applied and paid the premium for an effective date of Jan 1, 2014. You should be asking for, from the insurance company you selected, confirmation of your application and the premium you sent, if you do not have that confirmation.”
“When I changed my Medicare Supplement carrier this year, I did it on Oct 3rd, first day of Medicare "enrollment" and I received a letter from the carrier one month later confirming acceptance and an ID card the next month. I just received my Rx ID card the other day.
It's no "screw up" and no one will go without care, just as they were receiving the care....emergent or acute care....before that was not funded or was underfunded, they will receive the care until their new insurance is settled, approved, and they have an ID card in hand.”
kemald686 on Dec 6, 2013 at 23:56:26
“I don't get what you're saying nana4g. I apply for new insurance via the Obamacare exchange on December 23rd and pay my premium for coverage beginning one week later on January 1 and let my existing policy expire on December 31. Then, while waiting for my insurance card to arrive, I go to the hospital on January 2 and and am billed $60,000 which I submit to the insurer and they say they never heard of my application from the Obamacare exchange and refuse to pay the bill. Who ends up paying the bill?”
“"I doubt very seriously the insurance company or the government is going to say, 'Oh, don't worry, We'll take care of it.' I think that's going to fall solely on the patient," said Reid Blackwelder, a doctor in Kingsport, Tenn., who is president of the American Academy of Family Physicians. "I wouldn't count on anybody else jumping in and bailing everybody out."
Maybe that is what he would/will do, but, I seriously doubt anyone who has attempted to enroll in good faith will be left footing the entire bill. There are ways to check without the use of a computer. When I first show up and present my insurance card, the office or the pharmacy always calls to verify enrollment.”
kemald686 on Dec 5, 2013 at 15:31:18
“There won't be time between December 23rd and January 1 to send actual insurance cards to everyone, so it's the ninety-nine percent of Obamacare enrollees who are waiting for their insurance card to arrive and some of them will be in a car crash on January 2nd and be ruched to the emergency room and find out that Obama screwed up again and they actually don't have any coverage. Like Blackwelder said, nobody's going to step in and say "Hey, dude, I'll pay that $60 thousand for ya!"”
jcajunque on Dec 5, 2013 at 15:22:55
“It is the responsiblity of the customer/client/patient to make sure they have coverage in hand before they access health car from a provider. If your insurnace company doesn't pay the bills, you are responsibile for the unpaid amount. Just like homeowners or automobile insurance. People are sometimes too uninformed of these facts. They need to start learning to be good comsumers. You don't sign on the dotted line until you have read and understand what you are signing. Before yo go to the provider, call the insurance company. If you don't receive an insured's info pack with id cards issued by the insurnace company, CALL THEM.”
jgraham209 on Dec 5, 2013 at 15:06:48
“And how would you feel if they called, only to find out that your enrollment had been canceled and you were responsible for the entire bill? That is what is going to happen to 10's of millions people in 2014 once the employer mandates kick in. No longer will you be able to purchase family coverage through your employer. You will have to take out separate policies to cover your spouse and children. Sounds wonderful, doesn't it?”
“That price of that candy bar, just like an insurance policy, will vary depending upon the size of it, the merchant from whom you purchase it, and whether or not it is the "real thing" or a "spin off", and what kind of "outcome" you want from it, a bite of it or the biggest one that is made.
Even health insurance policies that are federally mandated to cover the same things, as with Medicare Supplement policies, called Plans C, D, E, F, and H, are exactly the same, company to company, but differ in price. Plan D Rx Plans are the same but differ in price and copays.
As for pricing in ACA Plans, as well as with other health insurance plans, nothing is certain until the final quote, at which time you can accept it or decline it and look elsewhere.
Whether those tax subsidies or increased premiums and local county taxes come from my neighbors, children, or the Chinese, or myself, we all end up paying for the non-insured and the underinsured, one way or another. Anything people can pay from their own pockets is better than nothing to help defray the costs to others.”
“It's called "selectivity".....some will be healthy, some will get sick and die. It's why I am ProChoice. I don't want these kind of people telling any woman she can or cannot conceive, can or cannot terminate her pregnancy, etc. I don't like their criteria for "selectivity".”
“In the same way you could have kept that doctor before Obamacare. Keeping your doctor was always subject to if he remained in the network of your insurance plan; if he accepted your new plan; if you even had a doctor, ie, insurance. Keeping your same plan also depended upon whether or not your group health plan was renewed or was switched to a new carrier by your employer and if your doctor was in that new provider network.
No one has ever been guaranteed to be able to keep their doctor, ever, and to take that statement at face value, was naive.”
“You also do not have options to qualify for tax subsidies and other financial assistance from Amazon. You are paying the full price because you are purchasing "commodities", things you can live without, and if you choose to spend your money on these things, you choose to pay full price, if you can afford them. If you cannot, you can go without and not suffer anything but disappointment, not illness and possibly, death, from untreated disease. Have fun on Amazon !”
TwoEyed Jack on Dec 4, 2013 at 14:12:00
“One translation is required:
Tax subsidies ==> money from your neighbors, children, and the Chinese
Now then, I would expect that important things like insurance would have the same expectation of accuracy in pricing as a candy bar.”
“Wow. All that, plus, you add, "I only see him as a person that I don't like." He has done nothing but been born into life. I think it's hard to not like any baby and most little children. When he is old enough, like you, to decide how he wishes to live, then he can be judged, if you need to judge others on how they live. But to make such statements about an infant renders your opinions "suspect".”
“So, the press closes the door to the public and further restricts our access. I'm not impressed. Perhaps, they should take a look at how they do their own business and find a way to keep the press legitimately "free". I see no correlation between being able to take photos without restriction and the conduction of old fashioned journalism.”
“As a Texas woman voter, no one at the Texas Motors Vehicle Department asked me about which name I wanted when I changed my TDL after marriage. Apparently, there are thousands, if not millions, of women that were not asked, including Judges and legislators. They took it upon themselves to drop the middle name and use the maiden name as a middle name. If it had not been such a prevalent "policy" or practice, we would not be having this issue today.
Besides, I thought the "photo ID", an issue that was so hyped and justified in the last big election as a way to eliminate the fictional voter fraud, was the end all, be all.”
watsonkb on Nov 27, 2013 at 00:42:29
“I was asked, I chose my maiden name rather than my middle name because my friend's dad was in charge of the local SSA office and he said it was a much more direct line to my past earnings (i.e., don't let the government screw it up). . ”
“Your taxes go to SS and Medicare, for which you, too, will be entitled when you reach age 65 yrs or retirement, and some of them go to Medicaid.
Illegal immigrants get "free health care" , as do American citizens who are non funded or underfunded, not because "Obama gives it to them", but because the medical and health professions have taken solemn oaths to treat people without regard to ability to pay when they are emergently sick. Hospitals need to defray the costs of non funded/underfunded care by raising county taxes for county hospitals and negotiating with insurance companies for a higher level of reimbursement, which the insurance companies then raise our premiums.
People who apply for Food Stamps must meet eligibility, one of which is citizenship. The same for Medicaid. People who are in the country illegally, do not call attention to themselves with trips to get Food Stamps and to the ERs.
You seem to like the idea of paying a tax and receiving healthcare in return, so, you would like Universal Single Payor National Healthcare System, a radically socialized position. Unfortunately, there are plenty of Americans who have great incomes and are great consumers but believe as you do, that they are entitled to free healthcare because it is an expense that takes away from their ability to purchase other more "fun" things.
My President is doing just fine in the Oval Office and a lot of it is not just sitting in his chair.”
“The tough woman who can dish it out to others wants those who dish it out to her to go through her husband and her children, first, before they call her to apologize.
Has she ever telephoned anyone or publicly issued an apology for what spews out of her mouth? In fact, she should apologize for using the analogy of slavery. If she had a history in her family that included the experience of slavery, perhaps she would not have been so looseyl-goosey with her ignorance and her loud mouth.”
“No. Symptomatology and predictability is possible. And so is the current number of violent episodes across this country by those who turn out to have had mental issues. Some people could put two and two together, in the absence of "exact science" and use a little common sense. It almost seems a compulsory expectation from people who sit in the US Senate that should not have to become their life mission just because they personally experienced a tragedy. We have long lists, very long lists, of thousands of ordinary people who have endured such tragedies, some even traveled to DC seeking attention to their life missions but were called "puppets and tools" by political opponents.
Now that Deeds is walking in their shoes, perhaps he has a different opinion of those people. I feel deeply for his loss but it is no more grave, no more important, than the loss of any parent whose child has been taken by mindless violence, either directed at others or to self.”
“I feel deep compassion for the grief this father is experiencing. It's a horrible experience for a parent with a child who has had such a history of mental illness, emotional issues.
But, i also feel that, as a US Senator from a state with a known problem of lack of mental health care, facilities, laws, etc., he might have been able to use his position to make changes after the Virginia Tech shooting that clearly showed some shortcomings.
He also has known for quite some time that his son had problems.
Too bad he worked so hard on legislating government intrusion into women's reproductive health choices instead of bringing the issue of mental health parity to the US Senate floor.”
DB 3639 on Nov 27, 2013 at 05:41:11
“Creigh Deeds is a moderate Democrat, and based on what I do know about his voting record, I seriously doubt he voted as you say on the issue of women's reproductive health choices.”
“Since you are already covered with a comprehensive healthcare plan that meets the consumer protections, ie, regulations, through your retirement benefits, you are ineligible for ACA. You are one that must keep the plan you like.
If you did not have that retirement benefit plan for healthcare coverage, and you are under age 65 yrs, you would have to pay more that what you would pay for an ACA plan, as an individual seeking the same level of coverage.
No one is calling your plan a "junk" plan. No one is saying you have to drop it. You have credible, comprehensive coverage so you do not qualify for the ACA, which is for people withOUT healthcare coverage or with inadequate coverage. Relax.”
“I disagree. I am an RN and I believe healthcare is very different from food. It is a God given right, if you believe God told us our bodies are temples of the Holy Spirit; if you believe in the Eight Beatitudes, one being caring for the sick or afflicted. Society has the right to be protected from communicable diseases, mental illness, and chronic debilitating disease that renders people non productive. Society has a right to protect the lives of all those babies born, not just en utero, with adequate healthcare.”
“It follows, then, that if you choose not to have any health insurance at all, that you carry on your person at all times, an Advance Directive instructing EMS and hospital ERs and Business Offices, that you do not want any healthcare provided for you because you refuse to accept responsibility for paying any of it.
If you have an inadequate coverage on a plan, the Advanced Directive should instruct that you want no more care other than what your insurance covers.
If you have a cadillac plan, congratulations. You are ineligible for ACA anyway, in that case.”
skeakins on Nov 25, 2013 at 10:57:15
“That's ridiculous. MIlions of undocumented illegal immigrants flood our emergency rooms. Where is your outrage over that? Millions of illegal immigrants are paid cash, under the table...and do not pay into SS, Medicare or pay taxes. Yet Obama continues to give them food stamps and access to medical care.
American citizens pay back in the form of contributions to SS, Medicare and taxes. Any citizen of the USA is entitled to medical care at any hospital and with any doctor. This is OUR COUNTRY. We pay taxes, we open businesses and employ, we consume...and when we become ill we are entitled to treatment.
You libbers are destroying this country with your radical left-wing beliefs...gouge the rich, gouge the middle class, gouge businesses, drive corporations out with reglulations and high taxes...but give taxpayer money to 50% of the country as free handouts...half of whom do not deserve it.
My plan is none of your business...and it's none of Obama's business. He needs to try out the chair in the Oval Office...and do what he was hired to do. We do not pay this guy to raise funds, vacation, play golf and radically socialize our free country.”