What are the deductibles on your health insurance plan?

I see most of the plans on CNN/NBC etc include a $5,000 deductible. So if you do get sick what does that mean? That you have to pay the first $5,000?

I know if I have a wreck in my car that the insurance company will pay all of the damages except for $500 and that part is up to me to pay the garage, right?

But as we all know garages can be shady and charge you more with a little kick back if you use them for say a fender bender. How can health insurance be any different?

They will overcharge and expect to be paid back by the feds. I asked the local VA clinic about "obamacare" and they said, "we don't know yet what it will do for you" ...

In other words come back after it is finally working January 2014, but yet I see on TV that the VA is pushing for vets to sign up for "obamacare".

Now why would the VA be for "obamacare" I asked myself and then I realized that the VA is mostly free for veterans (unless you have a lot of money). Simple deduction they will now get paid back for all of their services to veterans.

One more problem is the five hundred (500) million dollars to be taken from medicare for the implimation of "obamacare". Where will that money come from?

I know one way it will come is from senior citizens having to pay for medicare which was $75 a month three years ago and has gone up to $125 a month and is expected to go up to $200 a month by January 2014 and that information does not come from the web, but from the social security office I talked to.

What will keep the cost of paying for people that don't have medical insurance ... did I say that wrong?

What will keep the cost of people now getting health insurance via "obamacare" that is what I mean?

What will keep that cost from going up year after year after year? These are real questions that no one can answer and this is why we should delay the healthcare act and study it more thoroughly.

They (the US Congress) interview sports stars for their drug use and question IRS agents about tea party exemptions getting no answers, but they can't sit down and hash out a better plan because they are wasting their time on other silly matters.

Have you noticed that when President Obama talks about his health care plan that he even calls it "obamacare"? Sounds kind of vain to me :yep:

This picture represents the time it will take to get you medical insurance to agree to pay for all your needs on "obamacare"

http://www.patriotfreedom.org/admin/...leton%2050.jpg

You brought it up.
Your calculator doesn't work for the subsidies on your policy as its your employer who is subsidised for your insurance.

No, you answered for another member that I asked a pointed question. Now, for the love of heaven.....

Let's try this....if my employer said he has no interest in carrying my HC anymore and I should go to the market place for coverage I would not be able to afford it at my current rate of pay to tax credit/subsidy ratio.

Let's try this.....I run my own business. I have a family of 4. I have no health insurance. As of Oct 1 I was told by law I needed to get health insurance. I sign on to the ACA sight to see a smiling woman indicating how wonderful this is. I input my gross income. I input all other required information. A magical unsubsidized/ zero tax credit number calculated on my income pops up. $10,000.00. This is not budgeted into my current lifestyle. I would think there are many others in the same boat.

Now, I input a single parent of 1 that makes less than $25k per year. It pops up, Medicade. Or in laymans terms, free.

[QUOTE=Mr Quatro;2122363]

Correct, you pay the first $5000.00.
Correct on the car damage. You pay the $500.00 deductible.
Yes, insurers have watchdogs for those attempting to overcharge. However, a new scam I have seen concerns insurance for ones pet. The vet charges more if it is on the insurance co.

I can not say anything about the VA. I would think the vets still get the care that was provided before and at the same cost. I believe it is free. I don't know.

As for the elderly, I know of two dropped by ETNA.

To be honest, the coverage of the medical will come from tax payers. I honestly don't know where anyone else would think it is coming from somewhere else. Also add that those already insured pay premiums for the uninsured. These premiums will probably go up

And yes, BO looks quite arrogant. But, to save some sort of dignity he must stand his ground. If he caves his presidency from here on out will be laughable at best.

I do. It is, if you have no other insurance (i.e too poor). If you do have insurance they bill it just like any other medical service does.

I don't know if that's going to change.

Looking at the exchanges and based on income the vet may be able to qualify for free Medicad as well as VA. Like anything else, everything is based on what you make.

We can say this based on my investigation, the healthcare for some will be free based on income(poverty level) and number in the family or more than likely the combination of both.

We can say some will not meet the criteria for tax credit/subsidy and will pay something. More than likely a bill they can not pay or do not want. Or both.

For some this will work out nicely. Specifically those with a pre-exisiting condition


At any rate, I went to the Hair Cuttery yesterday. I asked the lady cutting my hair about the Hair Cuttery's HC policy. She said it is bare minimum and does not qualify under the ACA. However, the Hair Cuttery was looking to assist in getting the employees on the ACA Market Place and pay for the plan at said ACA Market Place. My hair cut went up $2.00 :shifty: :haha: No seriously it did.

• http://www.newsmax.com/newswidget/ob...n=widgetphase1
• Quote:

  Bronze plans: Offer the lowest amount of coverage — 60 percent of medical costs on average — but will have the lowest premiums. Silver: 70 percent of costs are covered. Gold: 80 percent of costs are covered. Platinum: 90 percent of costs are covered, but these plans will have the highest premiums. What does the application process involve? The U.S. Department of Health and Humans Services has devised a three-page application (down from the original 21 pages) for individuals to apply (online or on paper). You will need to provide the following types of information: Name and personal facts (address, Social Security number, date of birth). Health status (pregnant, physical/mental conditions). Employment status and household income level (using pay stubs or W-2 forms). Current health insurance coverage (if any). Permission to give an authorized representative or “navigator” access to application information.

Am I the only person that see's something wrong with one agency having all of this information available to them in one place?

Wait I am not through yet ... look at this little fact that everyone that does not have insurance by March 31st 2014 will be fined ...

How will they know if you don't have insurance? This amounts to a census to me, no longer will they need a census bureau operated by the Commerce department.

What if you don't report your income properly? A lot of questions here with no answers.


Boondoggle in the making and only the GOP care ...

part of the same US Congress that will constantly have to make changes to the affordable healthcare act of 2010 till the day they die or we die which ever comes first.

One things for certain we are born, we live and we die :yep:

Still need the census. Some will not need to sign up as they qualify for Medicad. Some have their own insurance via work. However, all will need to provide proof of insurance with the tax returns.

If you do not report your income correctly you are fined. The IRS will audit you.

I do believe the ACA will be fluid and change. This is a first. It might be found original estimates of cost are much to low. We are then bent over for more cash. We might find the original estimates were high. When then hope for a cut in premiums. But don't bet on it.

That is the sad part, the 16th amendment is unamerican to begin with, fact we have to report income to the government and give a percentage of it without consent, now showing proof of insurance, it's just the most outrageous thing. Supreme Court, well those who voted for it should all be tried and imprisoned as well as those in congress who supported it and the fool who signed it.How anyone can be okay with this is beyond me, its just wrong.

Wait, Bubbles. You dislike viewing the Constitution as A living document - except for the parts you don't like.

What's un-American about it ?
you had a revolution with the slogan no taxation without representation. you got the representation so you should be fine with the taxation
Taxation with representation, its what the founding fathers wanted, its un American to go against it.

No, I accept that the 16th amendment is law unfortunately, but it's something the progressives rammed through back in 1913, the founders would have never been okay with it, it is unamerican for the government to get a piece of my income.Sales tax etc, okay, I purchase things, but taking a percentage of my income? its WRONG and essentially unamerican.How DARE you accuse me of believing in that garbage theory. No idea what you are talking about! I did not try say amendment means something different than what is says.I simply said it is wrong, should have never been and hope, one day we can do away with it if our people would rise up, perhaps we could.

Taking taxes directly from income is pretty unamerican, this was progressive crap pushed so would have money for WW I. The money feeds the beast known as the federal government. I would not expect you to understand though. How can people not think it is just wrong to have to turn over a portion of your income to the government? That goes against what this country was supposed to be about, the 16th amendment is a big part of our problem.

It goes back 50 years before that and then goes back 50 years before that too when that bloke who wrote the bill of rightsy things discovered that dreams tend to fall apart rather rapidly when they meet reality, which is something that happens to all revolutionary idealists after the revolution is over and they have to run things in the real world.

This is being done today in many countries, and they do quite well. The money is spent
on funding things such as free school meal, free healthcare, free dental service and so on.

Is that REALLY so bad? :hmmm:

It must be because they are not American and are therefore unamerican. /sarcasm

It's the American way! Bubbles, realize the money goes to many other things the gov't oversees. Things you don't think about but use everyday. Sure, some of the money goes to things you don't like but a majority goes to things you do like. And need. It's hard not to see the bad. Try to focus on the good it does. You will have much happier days.

YES, not my job to pay for everyone else, or the next guys.They funded things via other taxes, my money should be my money, not forcibly taken just because I made it, if its taken by a reasonable sales tax, okay, but income tax is wrong.Really, it is irrelevant what other countries have, we were supposed to be different and were for a long time, if we are to survive, we must adjust some things.Liberty, economic liberty especially can only be achieved if we get rid of the 16th amendment and the bonus would be to starve the beast .

That is like saying, well the guy robbed me but he is feeding his family.No, it's not supposed to be the american way.Our "tolerance" allowed the cancer of "progressivism" to move in, we are almost dead from it, perhaps we will find the cure, many of us know it, just need to get everyone to wake up.

Not only does it take no state and no national politicians with their own fiscal interests to collect taxes, but you also do not mention the many ways in which said politicians and states waste, misuse, and steal such taxes. You also ignore that people today, the ordinary John Smith, nowadays pays more than half of his income for mandatory taxes and insurances, in Western states. More than half of the ordinary worker's or employee's income gets taken without them ever having agreed to that.

Before WWI, it was 5-8%.

Finally you ignore that politicians lie when they say the latest round in tax raises is needed to pay for infrastructure, education and such. The by far fastest growing leak in the fiscal system of states is - pensions, and debts interest services and debt refinancing.

And both will explode in the forseeable future. Leading to more money printing, more taxes, more money devaluing - and so: more debts, more taxes...

"Social affairs" is the most prominent single share in the German budget list,and I bet it is like that with most European states. That is no investment into the future, but is a strategy turning the face backwards and towards the past. It is a strategy that hopes to buy some more time before judgment day comes, to delay it until one has left the party, is no longer in office, will no longer be held responsible.