Author Topic: Obamacare Master thread  (Read 21201 times)

Offline YesThatsMe

  • Non-Elite Member
  • Join Date: May 2017
  • Posts: 20
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: JRA
Re: Obamacare Master thread
« Reply #435 on: January 10, 2018, 02:36:58 PM »
https://www.nytimes.com/2018/01/03/world/europe/uk-national-health-service.html

Coming soon to single payer near you....

Maybe the UK, but Canada, Israel (from my own experience) & the Scandinavian nations + Belgium seem to manage very well.

Offline ludmila

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2012
  • Posts: 1811
  • Total likes: 77
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: Obamacare Master thread
« Reply #436 on: January 10, 2018, 02:57:50 PM »
Maybe the UK, but Canada, Israel (from my own experience) & the Scandinavian nations + Belgium seem to manage very well.
Israel manages well, so do the Scandinavian countries, personal experience in Israel and Norway.
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Online aygart

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 5196
  • Total likes: 615
  • DansDeals.com Hat Tips 5
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Obamacare Master thread
« Reply #437 on: January 10, 2018, 03:08:51 PM »
Maybe the UK, but Canada, Israel (from my own experience) & the Scandinavian nations + Belgium seem to manage very well.
Canada?hahahshahaha
You have the right to remain silent. Anything you say can and will be used to start a religious discussion.

Offline ExGingi

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2015
  • Posts: 3418
  • Total likes: 306
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: 770
Re: Obamacare Master thread
« Reply #438 on: January 10, 2018, 07:31:35 PM »
How much % do you typically end up paying when you negotiate?
Haven't done it often (BH don't go often to Doctor. But if I tell my PCP I have no insurance and am paying cash, they'll charge around $80 for the visit) but when I just let them bill insurance and I had to pay OOP, I think I got charged $150 for the visit + a nice sum for minor surgery (ear wax removal that the Dr decided was necessary while he was examining me, without informing me of cost - I would have never consented to the obscene charge for that).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Online aygart

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 5196
  • Total likes: 615
  • DansDeals.com Hat Tips 5
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Obamacare Master thread
« Reply #439 on: January 10, 2018, 07:52:17 PM »
Maybe the UK, but Canada, Israel (from my own experience) & the Scandinavian nations + Belgium seem to manage very well.
Canada?hahahshahaha
Coming soon to a provider near you.....

http://www.huffingtonpost.ca/2017/11/03/canada-doctor-patient-wait-times_a_23266026/?utm_hp_ref=ca-homepage

My wife's grandfather had a wait of a few weeks for some emergency heart tests after having suffered a heart attack. Israel? What was your experience with non-routine procedures? It is not for no reason that so many Israelis come to the states for acute care. Scandanavian nations subsidise healthcare from oil exports. That makes a very big difference. Unfamiliar with Belgium.
You have the right to remain silent. Anything you say can and will be used to start a religious discussion.

Offline Yehuda25

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 4785
  • Total likes: 19
  • DansDeals.com Hat Tips 8
    • View Profile
Re: Obamacare Master thread
« Reply #440 on: January 11, 2018, 12:27:21 AM »
Canada?hahahshahaha
+1 he's clueless.
ďTo avoid criticism say nothing, do nothing, be nothing.Ē


― Aristotle

Offline ExGingi

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2015
  • Posts: 3418
  • Total likes: 306
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: 770
Re: Obamacare Master thread
« Reply #441 on: January 11, 2018, 02:59:53 AM »

Israel manages well, so do the Scandinavian countries, personal experience in Israel and Norway.
The key to what goes on in Israel is basic coverage that everyone gets, and the market of supplemental coverage.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ludmila

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2012
  • Posts: 1811
  • Total likes: 77
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: Obamacare Master thread
« Reply #442 on: January 12, 2018, 02:03:35 AM »
The key to what goes on in Israel is basic coverage that everyone gets, and the market of supplemental coverage.
Thanks, I do not have coverage in Israel any more, I read somewhere that you either have to live 6 months in a row in Israel or pay a certain amount of shekels upfront to get immediate coverage for a family, any idea how it works?
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline ExGingi

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2015
  • Posts: 3418
  • Total likes: 306
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: 770
Re: Obamacare Master thread
« Reply #443 on: January 12, 2018, 02:05:05 AM »

Thanks, I do not have coverage in Israel any more, I read somewhere that you either have to live 6 months in a row in Israel or pay a certain amount of shekels upfront to get immediate coverage for a family, any idea how it works?
No idea. Never lived there as an adult.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Online aygart

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 5196
  • Total likes: 615
  • DansDeals.com Hat Tips 5
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Obamacare Master thread
« Reply #444 on: January 12, 2018, 09:34:06 AM »
Thanks, I do not have coverage in Israel any more, I read somewhere that you either have to live 6 months in a row in Israel or pay a certain amount of shekels upfront to get immediate coverage for a family, any idea how it works?
You can buy kupat cholim coverage IINM
You have the right to remain silent. Anything you say can and will be used to start a religious discussion.

Online churnbabychurn

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2012
  • Posts: 6690
  • Total likes: 112
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Lakewood
Re: Obamacare Master thread
« Reply #445 on: Today at 08:00:50 AM »
Even the healthiest people can get sick or injured out of the blue. I know it doesn't feel good to pay $8,000/year when your expected expenses on an average annual basis are far less, but it's insurance, and it can save you from being financially wiped out (and possibly gain you access to doctors).

We have a broken system, and Obamacare was a step in the wrong direction. A healthy person (family) should in theory do better with a high deductible plan and an HSA.

Though not HSA eligible, healthy people under 30 often do best (financially speaking, as well as great simplicity) with a catastrophic plan.
Under 30 are not HSA eligible?

Offline ExGingi

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2015
  • Posts: 3418
  • Total likes: 306
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: 770
Re: Obamacare Master thread
« Reply #446 on: Today at 08:02:50 AM »
Under 30 are not HSA eligible?
Catastrophic plans aren't HSA eligible.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Online churnbabychurn

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2012
  • Posts: 6690
  • Total likes: 112
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Lakewood
Re: Obamacare Master thread
« Reply #447 on: Today at 09:50:16 AM »
Catastrophic plans aren't HSA eligible.
O.
But I thought higher deductable is *more* eligible- Arnt catastrophic ones higher?

Offline ExGingi

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2015
  • Posts: 3418
  • Total likes: 306
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: 770
Re: Obamacare Master thread
« Reply #448 on: Today at 10:16:41 AM »
O.
But I thought higher deductable is *more* eligible- Arnt catastrophic ones higher?
Donít think too much. Find out the facts.

I didnít look into the specifics of WHAT makes catastrophic plans as ineligible HDHP for HSA compatibility, but rest assured that it was done deliberately by design.

I would presume that deductible is slightly too high.

ETA:

Quote
HDHP Out-of-Pocket Maximums. The 2018 limit on out-of-pocket expenses (including items such as deductibles, copayments, and coinsurance, but not premiums) for self-only HDHP coverage will be $6,650 (a $100 increase from 2017), and the 2018 out-of-pocket limit for family HDHP coverage will be $13,300 (a $200 increase from 2017).

Catastrophic plans have a $7,350 deductible for individuals in 2018.
« Last Edit: Today at 10:21:44 AM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan