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I doubt I will get an answer because I have asked this several times in this board and have yet to get an even remotely logical response. I think it is pretty indisputable that healthcare prior to ACA was failing. Many, many people had no health insurance ad even more than that many were also denied treatment because of ore-existing conditions. On top of that, hospitals we're losing money because of unpaid healthcare costs due to lack of insurance. It wasn't working for many of Americans.

So, I'll ask again, if not ACA, what?

by on Nov. 13, 2012 at 8:07 AM
Replies (41-50):
tooptimistic
by Kelly on Nov. 13, 2012 at 1:32 PM

My husband's boss has warned him our  monthly rate is probably going to go up to $950 a month.   No word yet on the dectuable, but we are betting it will go up too.  Because he works two jobs and is offered insurance we get no help at all. Medical bills don't count when you apply for assistance at all.

Quoting motha2daDuchess:

already? how? what did they raise? have you looked into the state help have you tried to get all you can, does he work 2 full time jobs>? have you checked out what will help with the ACA?

Quoting tooptimistic:

My daughter was born with a birth defect too.  She sees a pulmonologist, a gi doc, a nutritionist, is tube fed at night.  Our part of her supplies alone are costing us 100's a month,  co pays on her prescriptions,on top of the co pays for the docs.   That's not even mentioning meeting the deductible at the beginning of the year, and the 900 a month that comes out of hubbies check for insurance.  We are still making monthly payment on top of that for her NICU stay (just our part)  My DH works two jobs so we can pay for medical expenses.  We have an autistic son too, that we pay twice a week $50 for co pays for therapy.  Know what Obamacare did for us?  Nothing, but require us to have health insurance.  The price each year goes up, the deductible each year goes up.  

Quoting motha2daDuchess:a

right, my daughter was born with a heart defect WITH insurance we are swimming in medical bill debt. Her cardiologist apt is 5000.00 every 6 months....

Quoting lga1965:

Catastrophic ..yes .
My grandson had a small tumor on his leg. MRI, P.E.T. scan, biopsy just for starters. Before the diagnosis.
After the diagnosis of synovial sarcoma there were two surgeries . After that more biopsies and a thousand dollar brace to correct the "foot drop " resulting from the surgery that removed the tumor , muscle tissue and nerve. If they had no Health Insurance .......where would they be now, financially ?
If the tumor had been benign there still would have been the tests to pay for ... thousands.
We all need health care and only employed people are fortune to have it if they work full time.
Quoting yourspecialkid:

 


Quoting lga1965:

Nowdays it would be impossible to pay cash for medical care for your kids unless you are prepared to write a check for several hundred dollars. For ordinary illnesses or injuries.For anything complicated.,you would need to empty your savings, sell stock or take a home equity loan. Ask me how I know this.......

 This is not necessarily true.  In the town we used to live in there was a doctor's office that offered a cash price that was the same as what Medicare paid.  There was another office that offered their own plan that was income based...they had med/vision/dental.  Both of these offices had stopped taking new Medicare & Medicaid patients...because they were a drain.


I ended up having surgery on my ankle...and physical therapy.  My Mom still paid for it..with her low wage jobs.  Depending on what you need sometimes insurance can be a lot more expensive than what it is worth.


Personally, I would like a catastrophic policy....we can handle the little stuff ourselves....we could save a lot of money.





motha2daDuchess
by Bruja on Nov. 13, 2012 at 1:39 PM

what state do you live in? even with insurance, there is a possibility of state help, in az we can even put her on ahhccs, as a secondary..there are other specialist that my dd sees. I'm sorry, but insurances have been going up forever and the fact that your children even have insurance and can not be denied if god forbid something were to happen to your husbands employment.

Quoting tooptimistic:

My husband's boss has warned him our  monthly rate is probably going to go up to $950 a month.   No word yet on the dectuable, but we are betting it will go up too.  Because he works two jobs and is offered insurance we get no help at all. Medical bills don't count when you apply for assistance at all.

Quoting motha2daDuchess:

already? how? what did they raise? have you looked into the state help have you tried to get all you can, does he work 2 full time jobs>? have you checked out what will help with the ACA?

Quoting tooptimistic:

My daughter was born with a birth defect too.  She sees a pulmonologist, a gi doc, a nutritionist, is tube fed at night.  Our part of her supplies alone are costing us 100's a month,  co pays on her prescriptions,on top of the co pays for the docs.   That's not even mentioning meeting the deductible at the beginning of the year, and the 900 a month that comes out of hubbies check for insurance.  We are still making monthly payment on top of that for her NICU stay (just our part)  My DH works two jobs so we can pay for medical expenses.  We have an autistic son too, that we pay twice a week $50 for co pays for therapy.  Know what Obamacare did for us?  Nothing, but require us to have health insurance.  The price each year goes up, the deductible each year goes up.  

Quoting motha2daDuchess:a

right, my daughter was born with a heart defect WITH insurance we are swimming in medical bill debt. Her cardiologist apt is 5000.00 every 6 months....

Quoting lga1965:

Catastrophic ..yes .
My grandson had a small tumor on his leg. MRI, P.E.T. scan, biopsy just for starters. Before the diagnosis.
After the diagnosis of synovial sarcoma there were two surgeries . After that more biopsies and a thousand dollar brace to correct the "foot drop " resulting from the surgery that removed the tumor , muscle tissue and nerve. If they had no Health Insurance .......where would they be now, financially ?
If the tumor had been benign there still would have been the tests to pay for ... thousands.
We all need health care and only employed people are fortune to have it if they work full time.
Quoting yourspecialkid:

 


Quoting lga1965:

Nowdays it would be impossible to pay cash for medical care for your kids unless you are prepared to write a check for several hundred dollars. For ordinary illnesses or injuries.For anything complicated.,you would need to empty your savings, sell stock or take a home equity loan. Ask me how I know this.......

 This is not necessarily true.  In the town we used to live in there was a doctor's office that offered a cash price that was the same as what Medicare paid.  There was another office that offered their own plan that was income based...they had med/vision/dental.  Both of these offices had stopped taking new Medicare & Medicaid patients...because they were a drain.


I ended up having surgery on my ankle...and physical therapy.  My Mom still paid for it..with her low wage jobs.  Depending on what you need sometimes insurance can be a lot more expensive than what it is worth.


Personally, I would like a catastrophic policy....we can handle the little stuff ourselves....we could save a lot of money.






tooptimistic
by Kelly on Nov. 13, 2012 at 2:00 PM

Florida.  We don't qualify for Medicaid being secondary.  :(

I know the preexisting clause is good, but at what price?  If you can't afford it, then it doesn't do much good.  I am just thankful he works two jobs to pay for what we need.

We need really health reform.  Obamacare is only going to make things worse.  We as a country need to decide if health care is right or privilege, and go from there.

I would rather pay $900 a month into a universal program, and know we have health care.. instead of $900 a month, plus the co pays and the deductible etc..  Someone is really profiting my children's health issues. I think we need to cut out the middlemen.

Quoting motha2daDuchess:

what state do you live in? even with insurance, there is a possibility of state help, in az we can even put her on ahhccs, as a secondary..there are other specialist that my dd sees. I'm sorry, but insurances have been going up forever and the fact that your children even have insurance and can not be denied if god forbid something were to happen to your husbands employment.

Quoting tooptimistic:

My husband's boss has warned him our  monthly rate is probably going to go up to $950 a month.   No word yet on the dectuable, but we are betting it will go up too.  Because he works two jobs and is offered insurance we get no help at all. Medical bills don't count when you apply for assistance at all.

Quoting motha2daDuchess:

already? how? what did they raise? have you looked into the state help have you tried to get all you can, does he work 2 full time jobs>? have you checked out what will help with the ACA?

Quoting tooptimistic:

My daughter was born with a birth defect too.  She sees a pulmonologist, a gi doc, a nutritionist, is tube fed at night.  Our part of her supplies alone are costing us 100's a month,  co pays on her prescriptions,on top of the co pays for the docs.   That's not even mentioning meeting the deductible at the beginning of the year, and the 900 a month that comes out of hubbies check for insurance.  We are still making monthly payment on top of that for her NICU stay (just our part)  My DH works two jobs so we can pay for medical expenses.  We have an autistic son too, that we pay twice a week $50 for co pays for therapy.  Know what Obamacare did for us?  Nothing, but require us to have health insurance.  The price each year goes up, the deductible each year goes up.  

Quoting motha2daDuchess:a

right, my daughter was born with a heart defect WITH insurance we are swimming in medical bill debt. Her cardiologist apt is 5000.00 every 6 months....

Quoting lga1965:

Catastrophic ..yes .
My grandson had a small tumor on his leg. MRI, P.E.T. scan, biopsy just for starters. Before the diagnosis.
After the diagnosis of synovial sarcoma there were two surgeries . After that more biopsies and a thousand dollar brace to correct the "foot drop " resulting from the surgery that removed the tumor , muscle tissue and nerve. If they had no Health Insurance .......where would they be now, financially ?
If the tumor had been benign there still would have been the tests to pay for ... thousands.
We all need health care and only employed people are fortune to have it if they work full time.
Quoting yourspecialkid:

 


Quoting lga1965:

Nowdays it would be impossible to pay cash for medical care for your kids unless you are prepared to write a check for several hundred dollars. For ordinary illnesses or injuries.For anything complicated.,you would need to empty your savings, sell stock or take a home equity loan. Ask me how I know this.......

 This is not necessarily true.  In the town we used to live in there was a doctor's office that offered a cash price that was the same as what Medicare paid.  There was another office that offered their own plan that was income based...they had med/vision/dental.  Both of these offices had stopped taking new Medicare & Medicaid patients...because they were a drain.


I ended up having surgery on my ankle...and physical therapy.  My Mom still paid for it..with her low wage jobs.  Depending on what you need sometimes insurance can be a lot more expensive than what it is worth.


Personally, I would like a catastrophic policy....we can handle the little stuff ourselves....we could save a lot of money.







JanetMonroe1991
by Bronze Member on Nov. 13, 2012 at 2:03 PM


Quoting romalove:

 ACA won't change the money hospitals lose because there will still be many uninsured and of course undocumenteds use hospitals as their healthcare clinics, and end up not paying bills.

I think if we must have universal healthcare we have to have a single payer system.  The patchwork of ACA is going to be a disaster for the economy on many different levels.

This is not totally true. I read that hospitals will have the right to turn people without insurance (who can't pay out of pocket) away once the full range of coverage kicks in because everyone will be given a chance at coverage and those that choose not to have it will pay the fee and not have it. So this may end up reducing costs for them. 

I think our model is going to end up sort of like Canada with longer lines and longer waits but with faster acess to drugs still. 

JanetMonroe1991
by Bronze Member on Nov. 13, 2012 at 2:05 PM
1 mom liked this


Quoting tooptimistic:

Florida.  We don't qualify for Medicaid being secondary.  :(

I know the preexisting clause is good, but at what price?  If you can't afford it, then it doesn't do much good.  I am just thankful he works two jobs to pay for what we need.

We need really health reform.  Obamacare is only going to make things worse.  We as a country need to decide if health care is right or privilege, and go from there.

I would rather pay $900 a month into a universal program, and know we have health care.. instead of $900 a month, plus the co pays and the deductible etc..  Someone is really profiting my children's health issues. I think we need to cut out the middlemen.

Quoting motha2daDuchess:

what state do you live in? even with insurance, there is a possibility of state help, in az we can even put her on ahhccs, as a secondary..there are other specialist that my dd sees. I'm sorry, but insurances have been going up forever and the fact that your children even have insurance and can not be denied if god forbid something were to happen to your husbands employment.

Quoting tooptimistic:

My husband's boss has warned him our  monthly rate is probably going to go up to $950 a month.   No word yet on the dectuable, but we are betting it will go up too.  Because he works two jobs and is offered insurance we get no help at all. Medical bills don't count when you apply for assistance at all.

Quoting motha2daDuchess:

already? how? what did they raise? have you looked into the state help have you tried to get all you can, does he work 2 full time jobs>? have you checked out what will help with the ACA?

Quoting tooptimistic:

My daughter was born with a birth defect too.  She sees a pulmonologist, a gi doc, a nutritionist, is tube fed at night.  Our part of her supplies alone are costing us 100's a month,  co pays on her prescriptions,on top of the co pays for the docs.   That's not even mentioning meeting the deductible at the beginning of the year, and the 900 a month that comes out of hubbies check for insurance.  We are still making monthly payment on top of that for her NICU stay (just our part)  My DH works two jobs so we can pay for medical expenses.  We have an autistic son too, that we pay twice a week $50 for co pays for therapy.  Know what Obamacare did for us?  Nothing, but require us to have health insurance.  The price each year goes up, the deductible each year goes up.  

Quoting motha2daDuchess:a

right, my daughter was born with a heart defect WITH insurance we are swimming in medical bill debt. Her cardiologist apt is 5000.00 every 6 months....

Quoting lga1965:

Catastrophic ..yes .
My grandson had a small tumor on his leg. MRI, P.E.T. scan, biopsy just for starters. Before the diagnosis.
After the diagnosis of synovial sarcoma there were two surgeries . After that more biopsies and a thousand dollar brace to correct the "foot drop " resulting from the surgery that removed the tumor , muscle tissue and nerve. If they had no Health Insurance .......where would they be now, financially ?
If the tumor had been benign there still would have been the tests to pay for ... thousands.
We all need health care and only employed people are fortune to have it if they work full time.
Quoting yourspecialkid:

 


Quoting lga1965:

Nowdays it would be impossible to pay cash for medical care for your kids unless you are prepared to write a check for several hundred dollars. For ordinary illnesses or injuries.For anything complicated.,you would need to empty your savings, sell stock or take a home equity loan. Ask me how I know this.......

 This is not necessarily true.  In the town we used to live in there was a doctor's office that offered a cash price that was the same as what Medicare paid.  There was another office that offered their own plan that was income based...they had med/vision/dental.  Both of these offices had stopped taking new Medicare & Medicaid patients...because they were a drain.


I ended up having surgery on my ankle...and physical therapy.  My Mom still paid for it..with her low wage jobs.  Depending on what you need sometimes insurance can be a lot more expensive than what it is worth.


Personally, I would like a catastrophic policy....we can handle the little stuff ourselves....we could save a lot of money.







What about people like me who can't afford $900 a month (which is more then my rent bill each month)? Don't I deserve a chance at coverage? Doesn't my son? See the Repubs have bitched and whined about the healthcare but not a single one of them have stepped up to offer another solution. They find it a lot easier to complain. 

motha2daDuchess
by Bruja on Nov. 13, 2012 at 2:11 PM

a hospital can not deny you, regardless of your ability to pay, it is against the hypocratic oath, they will accept you and do life sustaining, but that is it.

Quoting JanetMonroe1991:


Quoting romalove:

 ACA won't change the money hospitals lose because there will still be many uninsured and of course undocumenteds use hospitals as their healthcare clinics, and end up not paying bills.

I think if we must have universal healthcare we have to have a single payer system.  The patchwork of ACA is going to be a disaster for the economy on many different levels.

This is not totally true. I read that hospitals will have the right to turn people without insurance (who can't pay out of pocket) away once the full range of coverage kicks in because everyone will be given a chance at coverage and those that choose not to have it will pay the fee and not have it. So this may end up reducing costs for them. 

I think our model is going to end up sort of like Canada with longer lines and longer waits but with faster acess to drugs still. 


romalove
by Roma on Nov. 13, 2012 at 2:14 PM

 

Quoting JanetMonroe1991:

 

Quoting romalove:

 ACA won't change the money hospitals lose because there will still be many uninsured and of course undocumenteds use hospitals as their healthcare clinics, and end up not paying bills.

I think if we must have universal healthcare we have to have a single payer system.  The patchwork of ACA is going to be a disaster for the economy on many different levels.

This is not totally true. I read that hospitals will have the right to turn people without insurance (who can't pay out of pocket) away once the full range of coverage kicks in because everyone will be given a chance at coverage and those that choose not to have it will pay the fee and not have it. So this may end up reducing costs for them. 

I think our model is going to end up sort of like Canada with longer lines and longer waits but with faster acess to drugs still. 

 Obama put forth a healthcare act that will leave people without insurance without access to hospitals???

I don't believe it.

tooptimistic
by Kelly on Nov. 13, 2012 at 2:21 PM


Quoting JanetMonroe1991:


Quoting tooptimistic:

Florida.  We don't qualify for Medicaid being secondary.  :(

I know the preexisting clause is good, but at what price?  If you can't afford it, then it doesn't do much good.  I am just thankful he works two jobs to pay for what we need.

We need really health reform.  Obamacare is only going to make things worse.  We as a country need to decide if health care is right or privilege, and go from there.

I would rather pay $900 a month into a universal program, and know we have health care.. instead of $900 a month, plus the co pays and the deductible etc..  Someone is really profiting my children's health issues. I think we need to cut out the middlemen.

Quoting motha2daDuchess:

what state do you live in? even with insurance, there is a possibility of state help, in az we can even put her on ahhccs, as a secondary..there are other specialist that my dd sees. I'm sorry, but insurances have been going up forever and the fact that your children even have insurance and can not be denied if god forbid something were to happen to your husbands employment.

Quoting tooptimistic:

My husband's boss has warned him our  monthly rate is probably going to go up to $950 a month.   No word yet on the dectuable, but we are betting it will go up too.  Because he works two jobs and is offered insurance we get no help at all. Medical bills don't count when you apply for assistance at all.







What about people like me who can't afford $900 a month (which is more then my rent bill each month)? Don't I deserve a chance at coverage? Doesn't my son? See the Repubs have bitched and whined about the healthcare but not a single one of them have stepped up to offer another solution. They find it a lot easier to complain. 

I don't know.. If you can't afford it, even with Obamacare, you still can't afford it.  (I just used $900 because that's what we currently pay)  You do deserve coverage.  I think we all do.. :)  That's why I said we as a country need to ask if it is a right or a privilege.  I think its a right.  I truly support a single payer universal health care system.  I think rates should be on a sliding scale based on income. Neither the Republicans or Democrats are listening to us.  We moms need to keep screaming until someone listens.  :)

lga1965
by on Nov. 13, 2012 at 3:06 PM
Its not Obamacare.
The ACA kicks in 2014.
Only a few parts are working now.
Google it.


Quoting tooptimistic:

My daughter was born with a birth defect too.  She sees a pulmonologist, a gi doc, a nutritionist, is tube fed at night.  Our part of her supplies alone are costing us 100's a month,  co pays on her prescriptions,on top of the co pays for the docs.   That's not even mentioning meeting the deductible at the beginning of the year, and the 900 a month that comes out of hubbies check for insurance.  We are still making monthly payment on top of that for her NICU stay (just our part)  My DH works two jobs so we can pay for medical expenses.  We have an autistic son too, that we pay twice a week $50 for co pays for therapy.  Know what Obamacare did for us?  Nothing, but require us to have health insurance.  The price each year goes up, the deductible each year goes up.  


Quoting motha2daDuchess:a

right, my daughter was born with a heart defect WITH insurance we are swimming in medical bill debt. Her cardiologist apt is 5000.00 every 6 months....

Quoting lga1965:

Catastrophic ..yes .
My grandson had a small tumor on his leg. MRI, P.E.T. scan, biopsy just for starters. Before the diagnosis.
After the diagnosis of synovial sarcoma there were two surgeries . After that more biopsies and a thousand dollar brace to correct the "foot drop " resulting from the surgery that removed the tumor , muscle tissue and nerve. If they had no Health Insurance .......where would they be now, financially ?
If the tumor had been benign there still would have been the tests to pay for ... thousands.
We all need health care and only employed people are fortune to have it if they work full time.
Quoting yourspecialkid:

 


Quoting lga1965:

Nowdays it would be impossible to pay cash for medical care for your kids unless you are prepared to write a check for several hundred dollars. For ordinary illnesses or injuries.For anything complicated.,you would need to empty your savings, sell stock or take a home equity loan. Ask me how I know this.......

 This is not necessarily true.  In the town we used to live in there was a doctor's office that offered a cash price that was the same as what Medicare paid.  There was another office that offered their own plan that was income based...they had med/vision/dental.  Both of these offices had stopped taking new Medicare & Medicaid patients...because they were a drain.


I ended up having surgery on my ankle...and physical therapy.  My Mom still paid for it..with her low wage jobs.  Depending on what you need sometimes insurance can be a lot more expensive than what it is worth.


Personally, I would like a catastrophic policy....we can handle the little stuff ourselves....we could save a lot of money.



Posted on CafeMom Mobile
tooptimistic
by Kelly on Nov. 13, 2012 at 3:19 PM

I have read it.. It does nothing for us, except for the the pre existing clause and require us to have insurance.. but at what price?  It does nothing for the price.  

Car insurance is required.  The price of that ever go down?  Nope.

I know the "proper" name for it.  The "proper" name is joke.  Affordable my butt.  Obama's idea.  Obama and the dems didn't want us to read it before it passed.  Its Obamacare.  We need HEALTHCARE.

Quoting lga1965:

Its not Obamacare.
The ACA kicks in 2014.
Only a few parts are working now.
Google it.


Quoting tooptimistic:

My daughter was born with a birth defect too.  She sees a pulmonologist, a gi doc, a nutritionist, is tube fed at night.  Our part of her supplies alone are costing us 100's a month,  co pays on her prescriptions,on top of the co pays for the docs.   That's not even mentioning meeting the deductible at the beginning of the year, and the 900 a month that comes out of hubbies check for insurance.  We are still making monthly payment on top of that for her NICU stay (just our part)  My DH works two jobs so we can pay for medical expenses.  We have an autistic son too, that we pay twice a week $50 for co pays for therapy.  Know what Obamacare did for us?  Nothing, but require us to have health insurance.  The price each year goes up, the deductible each year goes up.  


Quoting motha2daDuchess:a

right, my daughter was born with a heart defect WITH insurance we are swimming in medical bill debt. Her cardiologist apt is 5000.00 every 6 months....

Quoting lga1965:

Catastrophic ..yes .
My grandson had a small tumor on his leg. MRI, P.E.T. scan, biopsy just for starters. Before the diagnosis.
After the diagnosis of synovial sarcoma there were two surgeries . After that more biopsies and a thousand dollar brace to correct the "foot drop " resulting from the surgery that removed the tumor , muscle tissue and nerve. If they had no Health Insurance .......where would they be now, financially ?
If the tumor had been benign there still would have been the tests to pay for ... thousands.
We all need health care and only employed people are fortune to have it if they work full time.
Quoting yourspecialkid:

 


Quoting lga1965:

Nowdays it would be impossible to pay cash for medical care for your kids unless you are prepared to write a check for several hundred dollars. For ordinary illnesses or injuries.For anything complicated.,you would need to empty your savings, sell stock or take a home equity loan. Ask me how I know this.......

 This is not necessarily true.  In the town we used to live in there was a doctor's office that offered a cash price that was the same as what Medicare paid.  There was another office that offered their own plan that was income based...they had med/vision/dental.  Both of these offices had stopped taking new Medicare & Medicaid patients...because they were a drain.


I ended up having surgery on my ankle...and physical therapy.  My Mom still paid for it..with her low wage jobs.  Depending on what you need sometimes insurance can be a lot more expensive than what it is worth.


Personally, I would like a catastrophic policy....we can handle the little stuff ourselves....we could save a lot of money.




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