Author Topic: Obamacare Master thread  (Read 199480 times)

Online Ver hut gazugt

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jan 2021
  • Posts: 540
  • Total likes: 577
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New york
Re: Obamacare Master thread
« Reply #720 on: July 20, 2021, 03:24:41 PM »
Ridiculous is an understatement.

No wonder hospitals ignore it.

Who is going to pick up this cause and make a big issue out of it?

I think Biden admin did not want to repeal this regulation because it would look really bad and on the other hand they don't agree with it. So this is the pshara they came up with.

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #721 on: August 22, 2021, 03:48:13 PM »
https://www.washingtonpost.com/health/2021/07/16/hospital-cost-transparency/


Who in the world came up with the $300/day figure. That isn't even a rounding error in the petty cash account of hospitals!

Let's see a $300,000/day fine with compound increases of 1% per day for delays and no ability to have it reduced.

Is it $300/day or is it just another warning.

https://twitter.com/DanielGriffinMD/status/1429422723734937606?s=20

To read NYT article: https://archive.is/e4AMt

I see nothing short of a constitutional amendment banning אונאה (@CountValentine that is the Jewish term invalidating a transaction involving essentials where the price varied by more than 20% from the market price) where it comes to healthcare as a solution to eradicate this problem.
« Last Edit: August 22, 2021, 03:52:56 PM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
« Last Edit: September 11, 2021, 10:48:55 PM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 17398
  • Total likes: 14338
  • DansDeals.com Hat Tips 14
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Obamacare Master thread
« Reply #723 on: September 12, 2021, 01:16:16 AM »
https://twitter.com/eyemightbewrong/status/1436748391225204737?s=21

https://twitter.com/kleib323/status/1436844831913955347?s=21

THat is why regulated utilities love giving away money for efficiency etc too. It raises their ratables and allows for a rate hike.
Feelings don't care about your facts

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #724 on: September 12, 2021, 01:38:44 AM »
THat is why regulated utilities love giving away money for efficiency etc too. It raises their ratables and allows for a rate hike.

This is different (and criminal!) IMHO.

From the ProPublica article:

Quote
Under the words, “DETAIL BILL,” Frank saw that NYU Langone’s total charges were more than $117,000, but that was the sticker price, and those are notoriously inflated. Insurance companies negotiate an in-network rate for their members. But in Frank’s case at least, the “deal” still cost $70,882.

With a practiced eye, Frank scanned the billing codes hospitals use to get paid and immediately saw red flags: There were charges for physical therapy sessions that never took place, and drugs he never received. One line stood out — the cost of the implant and related supplies. Aetna said NYU Langone paid a “member rate” of $26,068 for “supply/implants.” But Frank didn’t see how that could be accurate. He called and emailed Smith & Nephew, the maker of his implant, until a representative told him the hospital would have paid about $1,500. His NYU Langone surgeon confirmed the amount, Frank said. The device company and surgeon did not respond to ProPublica’s requests for comment.

On almost every insurance claim form I have seen (and probably on many, if not most or all, insurance applications, are warnings about insurance fraud.

Why isn't anyone serving jail time over a clearly fraudulent bill?

The shenanigans won't stop until some white collar executives (hospital executives, as well as insurance executives) serve harsh jail terms (and a lifetime ban from the industry).


On a side note, the story brings up memories of an issue we had during the pregnancy with my second child. Without going into too many details, there was an unpaid hospital bill. When they called me about it I told them they should be thankful that I am not suing them for malpractice. I never heard back from them.
« Last Edit: September 12, 2021, 01:43:24 AM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline eternity88

  • Dansdeals Silver Elite
  • **
  • Join Date: Aug 2016
  • Posts: 77
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: San Francisco
Re: Obamacare Master thread
« Reply #725 on: September 19, 2021, 06:58:46 PM »
Are you able to purchase covered ca or obamacare if you currently don't have a job but will have one in Jan that pays about $2k per month

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #726 on: November 09, 2021, 03:41:01 PM »
This might belong in the Covid-19 board, but in any event is relevant here:

Quote

Dear Broker:

As you know, during the COVID-19 public health emergency, we have been automatically extending Medicaid, Child Health Plus and Essential Plan cases for an additional 12 months of coverage.  This is to inform you that we are continuing these extensions in accordance with the federal public health emergency.  Medicaid, Child Health Plus and Essential Plan cases with a coverage end date through 1/31/22 will be extended for an additional 12 month period.

Please feel free to contact us if you have any further questions
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #727 on: January 06, 2022, 02:08:11 PM »
Automatic extensions extended.

Quote
Dear Broker:

 

As you know, during the COVID-19 public health emergency, we have been automatically extending Medicaid, Child Health Plus and Essential Plan cases for an additional 12 months of coverage.  This is to inform you that we are continuing these extensions in accordance with the federal public health emergency.  Medicaid, Child Health Plus and Essential Plan cases with a coverage end date through 3/31/22 will be extended for an additional 12 month period.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #728 on: February 03, 2022, 03:01:54 PM »
Just saw the following in an email from UHC:

Quote
Governor Hochul gave her 2022 State of the State speech this past early January, in which she outlined numerous policy goals for the upcoming year.  There are relevant healthcare initiatives she included in the State of the State Book, which provides very short descriptions of hundreds of proposals on a variety of topics.  The one we should be very interested in is “Raise Essential Plan threshold from 200% FPL to 250% FPL” You can view this on (page 34) of the State of the State Book Link I just provided as well as other initiatives. Below is what is stated:

Make Healthcare More Affordable to More New Yorkers

Expanding income eligibility for the Essential Plan will both reduce the number of uninsured New Yorkers and offer an affordable alternative to those who may fall off coverage purchased in the insurance marketplace due to financial burdens. Governor Hochul will expand Essential Plan eligibility for New Yorkers, raising the threshold from 200 percent of federal poverty line to at least 250 percent subject to federal approval. This will reduce the ranks of the uninsured by at least 14,000 and make healthcare more affordable for at least 92,000 New Yorkers

Now if only they would stop extending Medicaid to foreigners who reached age 21 and put them on Essential Plan, you wouldn't hear me complaining.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #730 on: February 18, 2022, 09:59:36 AM »
Latest update from NYS:

Quote
Dear Broker:

As you know, during the COVID-19 public health emergency, we have been automatically extending Medicaid, Child Health Plus and Essential Plan cases for an additional 12 months of coverage.  This is to inform you that we are continuing these extensions in accordance with the federal public health emergency.  Medicaid, Child Health Plus and Essential Plan cases with a coverage end date through 4/30/22 will be extended for an additional 12 month period.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Dan

  • Administrator
  • Dansdeals Lifetime 50K Diamond Elite
  • **********
  • Join Date: May 2008
  • Posts: 67599
  • Total likes: 16912
  • DansDeals.com Hat Tips 16442
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA GS, AA EXP, DL Dirt, Hyatt Glob, Fairmont Lifetime Plat, DD Diamond, Blocked By @NeriaKraus
Re: Obamacare Master thread
« Reply #731 on: February 27, 2022, 01:11:13 AM »
2011: 2 adults
$3,000 family deductible =$3,422/year premium
$6,000 family deductible = $2,743/year premium
$8,000 family deductible = $2,442/year premium
$10,000 family deductible = $2,061/year premium

2012: 2 adults, 1 child
$3,000 family deductible =$5,414/year premium
$6,000 family deductible = $4,333/year premium
$8,000 family deductible = $3,852/year premium
$10,000 family deductible = $3,269/year premium

2013: 2 adults, 1 child
$3,000 family deductible =$6,723/year premium
$6,000 family deductible = $5,424/year premium
$8,000 family deductible = $4,840/year premium
$10,000 family deductible = $4,131/year premium

2014: 2 adults, 2 children
$3,000 family deductible =$9,856/year premium
$6,000 family deductible = $7,993/year premium
$8,000 family deductible = $7,156/year premium
$10,000 family deductible = $6,140/year premium

2015: 2 adults, 2 children
$3,000 family deductible =$11,969/year premium
$6,000 family deductible = $9.668/year premium
$8,000 family deductible = $8,633/year premium
$10,000 family deductible = $7,376/year premium

2016: 2 adults, 2 children
$3,000 family deductible =$13,378/year premium
$6,000 family deductible = $10,778/year premium
$8,000 family deductible = $9,610/year premium
$10,000 family deductible = $8,191/year premium

2017: 2 adults, 2 children
$3,000 family deductible =$14,164/year premium
$6,000 family deductible = $11,390/year premium
$8,000 family deductible = $10,143/year premium
$10,000 family deductible = $8,630/year premium

2018: 2 adults, 3 children
$3,000 family deductible =$19,385/year premium
$6,000 family deductible = $15,577/year premium
$8,000 family deductible = $13,865/year premium
$10,000 family deductible = $11,788/year premium

I had a $3,000 family deductible HSA until last year when the increase was so high that I shifted to a $10K.

I don't see how the lower deductible plans make any sense.

My 2019 renewal options for 2 adults, 3 children are:
$3,000 deductible =$22,356/year premium
$6,000 deductible = $17,952/year premium
$8,000 deductible = $15,972/year premium
$10,000 deductible = $13,572/year premium

2020: 2 adults, 3 children

$1,500/person deductible/$3,000 family deductible =$25,038/year premium (+12%)
$3,000/person deductible/$6,000 family deductible = $20,093/year premium (+11.9%)
$4,000/person deductible/$8,000 family deductible= $17,871‬/year premium (+11.9%)
$5,000/person deductible/$10,000 family deductible = $15,174/year premium  (+11.8%)


2021: 2 adults, 4 children

$1,500/person deductible/$3,000 family deductible =$27,210/year premium (+8.7%)
$3,000/person deductible/$6,000 family deductible = $21,829/year premium (+8.6%)
$4,000/person deductible/$8,000 family deductible= $19,411‬/year premium (+8.6%)
$5,000/person deductible/$10,000 family deductible = $16,476/year premium  (+8.6%)

Added past decade of pricing. To be fair, 4 kids are now included (plan stops increasing costs after 3 kids), but here's the insane percentage increases from 2021 vs 2011:

$1,500/person deductible/$3,000 family deductible =$27,210/year premium (+695%)
$3,000/person deductible/$6,000 family deductible = $21,829/year premium (+696%)
$4,000/person deductible/$8,000 family deductible= $19,411‬/year premium (+695%)
$5,000/person deductible/$10,000 family deductible = $16,476/year premium  (+699%)

How is this sustainable?!?

2022: 2 adults, 4 children

$1,500/person deductible/$3,000 family deductible =$28,593/year premium (+5.1% vs 2021, +736% vs 2011)
$3,000/person deductible/$6,000 family deductible = $22,927/year premium (+5% vs 2021, +736% vs 2011)
$4,000/person deductible/$8,000 family deductible= $20,380/year premium (+5% vs 2021, +735% vs 2011)
$5,000/person deductible/$10,000 family deductible = $17,289/year premium  (+4.9% vs 2021, +739% vs 2011)
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Euclid

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jun 2010
  • Posts: 4911
  • Total likes: 6142
  • DansDeals.com Hat Tips 5
    • View Profile
Re: Obamacare Master thread
« Reply #732 on: February 27, 2022, 02:24:42 AM »
2022: 2 adults, 4 children

$1,500/person deductible/$3,000 family deductible =$28,593/year premium (+5.1% vs 2021, +736% vs 2011)
$3,000/person deductible/$6,000 family deductible = $22,927/year premium (+5% vs 2021, +736% vs 2011)
$4,000/person deductible/$8,000 family deductible= $20,380/year premium (+5% vs 2021, +735% vs 2011)
$5,000/person deductible/$10,000 family deductible = $17,289/year premium  (+4.9% vs 2021, +739% vs 2011)
How will they pay their bills?? They're not keeping pace with inflation

Offline Joe4007

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2013
  • Posts: 4077
  • Total likes: 154
  • DansDeals.com Hat Tips 11
    • View Profile
  • Location: NY
Re: Obamacare Master thread
« Reply #733 on: April 18, 2022, 10:57:18 AM »
Latest update from NYS:
Extended yet?

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #734 on: April 18, 2022, 11:07:07 AM »
Extended yet?

Not that I have seen.

But based on http://www.wnylc.com/health/news/86/#2.%20NYS%20Medicaid%20Policies%20-%20MOE I would think it is being extended through at least July 13th.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Joe4007

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2013
  • Posts: 4077
  • Total likes: 154
  • DansDeals.com Hat Tips 11
    • View Profile
  • Location: NY
Re: Obamacare Master thread
« Reply #735 on: April 18, 2022, 11:08:46 AM »
Not that I have seen.
Seems like the federal declaration has been extended, so I guess it's just a matter of time.

Offline Joe4007

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2013
  • Posts: 4077
  • Total likes: 154
  • DansDeals.com Hat Tips 11
    • View Profile
  • Location: NY
Re: Obamacare Master thread
« Reply #736 on: April 25, 2022, 05:05:35 PM »
Latest update from NYS:
What are these extensions exactly? Do they just not ask for recertification or even if someone reports higher income they keep them on their current plan?

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #737 on: April 25, 2022, 10:45:43 PM »
What are these extensions exactly? Do they just not ask for recertification or even if someone reports higher income they keep them on their current plan?
You don't need to report any changes. Anyone on Medicaid/Essential Plan/Child Health Plus gets automatically renewed for 12 months.

So in theory if one needed to update the account due to a birth in the family, and at the same time income increased beyond the limit for Medicaid for newborns (200% fpl IIRC), the newborn might have to buy a plan, while the rest of the family that was automatically renewed will remain on Medicaid/Essential Plan etc.

The only way to go off Medicaid is to update your plan and say you no longer want ANY financial help (which includes APTC).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #738 on: July 08, 2022, 12:39:46 PM »
Latest update from NYS:

Quote
Dear Broker:

As you know, during the COVID-19 public health emergency, we have been automatically extending Medicaid, Child Health Plus and Essential Plan cases for an additional 12 months of coverage.  This is to inform you that we are continuing these extensions in accordance with the federal public health emergency.  Medicaid, Child Health Plus and Essential Plan cases with a coverage ending 9/30/22 will be extended for an additional 12 month period.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: Obamacare Master thread
« Reply #739 on: August 09, 2022, 06:10:34 PM »
Latest update from NYS:

Quote
Dear Broker:

As you know, during the COVID-19 public health emergency, we have been automatically extending Medicaid, Child Health Plus and Essential Plan cases for an additional 12 months of coverage.  This is to inform you that we are continuing these extensions in accordance with the federal public health emergency.  Medicaid, Child Health Plus and Essential Plan cases with a coverage ending 10/31/22 will be extended for an additional 12 month period.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan