Welcome to DU! The truly grassroots left-of-center political community where regular people, not algorithms, drive the discussions and set the standards. Join the community: Create a free account Support DU (and get rid of ads!): Become a Star Member All Forums Issue Forums Culture Forums Alliance Forums Region Forums Support Forums Help & Search
But some think that Obama's worse than a used car salesman, or some shit like that. :eyes: NYC_SKP Mar 2014 #1
Yeah I know. I thought I should put this out there where hopefully more people will see it pnwmom Mar 2014 #5
I agree. Texasgal Mar 2014 #9
But it is a start. And millions are already better off. We just have to be as smart as we can pnwmom Mar 2014 #11
And we have to be vigilant about fixing the problems with it, we can either strengthen the ACA and okaawhatever Mar 2014 #29
how are you going to fix the fact that big insurance takes 20% or more? Doctor_J Mar 2014 #59
By killing big insurance. jeff47 Mar 2014 #66
this has to be some sort of joke Doctor_J Mar 2014 #68
You're free to point out where that plan won't work. jeff47 Mar 2014 #72
How did we give insurance companies 600 Billion dollars? nt okaawhatever Mar 2014 #108
The US HC industry is now 3 trillion per year. The ACA guarantees them 20% that JUST FOR PROFIT Doctor_J Mar 2014 #124
Did You Do It? ProfessorGAC Mar 2014 #139
er, not if there was a public option Doctor_J Mar 2014 #146
I prefer single-payer, but I don't think we should be spreading lies about the ACA here pnwmom Mar 2014 #149
Administrative costs ARE NOT PROFIT. pnwmom Mar 2014 #144
And a 5 million dollar bonus for a HC CEO is not health care Doctor_J Mar 2014 #148
Wrong. It's part of administrative costs. I don't agree with a bonus like that, but the insurer pnwmom Mar 2014 #150
So part of my new $50 copay goes toward the CEO's fifth home, legally Doctor_J Mar 2014 #185
Switch insurers if you don't like yours. n/t pnwmom Mar 2014 #188
To another whose CEO has six houses? Fantastic Anarchist Mar 2014 #192
If that's what you prefer. n/t pnwmom Mar 2014 #193
Well, I guess I have a choice everyone's talking about then. Fantastic Anarchist Mar 2014 #194
It *LIMITS* them to 20%. It used to be however high the fuck they could make it. You'd prefer that?? yodermon Mar 2014 #153
In return for every person in the US being a paying customer Doctor_J Mar 2014 #190
Considering that was a reduction in their profit, I'd say that is a win. Also, the 20% isn't okaawhatever Mar 2014 #105
I don't know where to start Doctor_J Mar 2014 #125
Ted Kennedy's death changed everything. He was replaced by a Rethug in MA pnwmom Mar 2014 #151
Not true. pnwmom Mar 2014 #141
They don't. Large insurers must keep administrative costs below 15% pnwmom Mar 2014 #142
Ok, 400 billion instead of 600 billion Doctor_J Mar 2014 #186
You're been pretending that all 20% is profit, which is blatantly untrue. n/t pnwmom Mar 2014 #187
I consider 10-figure CEO bonuses profit. Doctor_J Mar 2014 #189
Then switch companies. n/t pnwmom Mar 2014 #191
Would love to. Can you point me to the one with 3% overhead like Medicare? Doctor_J Mar 2014 #195
They were taking much more than that before. nt brush Mar 2014 #180
Right.. like Raging Misplaced Anger would help solve the problem. That Cha Mar 2014 #12
what that sounded like is someone didn't do their homework Whisp Mar 2014 #16
Exactly.. same with this one.. Cha Mar 2014 #18
And a beautiful arc it is, JEB Mar 2014 #63
There is also this: ProSense Mar 2014 #2
Thanks, ProSense! That's important for people to know about. n/t pnwmom Mar 2014 #3
That was the deal pre reform, at least in the majority of policies. TheKentuckian Mar 2014 #104
What gets me is a single payer system might also deny certain treatments or drugs treestar Mar 2014 #120
Right. Canada and the UK have single payer with formularies. pnwmom Mar 2014 #162
Where have you been? malaise Feb 2017 #197
yeah, i wanna know too. mopinko Feb 2017 #198
The upshot of this being what? Fumesucker Mar 2014 #4
The upshot is that you shouldn't give up before checking out the drug formularies pnwmom Mar 2014 #8
Just to be clear, it won't cost more for your coverage if you have an expensive disease? Fumesucker Mar 2014 #13
More doctor visits and more medicines to buy = more money to be paid. Lex Mar 2014 #27
They can't charge you higher premiums because you have an expensive disease. pnwmom Mar 2014 #28
"no insurer can fail to provide appropriate medication for whole categories of illnesses" Fumesucker Mar 2014 #41
It means that they might be able to tell you, if you need an aromatase inhibitor, pnwmom Mar 2014 #44
An aromatase inhibitor is an aromatase inhibitor? Fumesucker Mar 2014 #51
Some people might. Some people might with any drug category. n/t pnwmom Mar 2014 #54
Been on them 9.5 years. Lars39 Mar 2014 #60
Unfortunately, formularies aren't something specific to the ACA. Medicare has a formulary, pnwmom Mar 2014 #140
Formularies should be standard from company to company. Lars39 Mar 2014 #143
Each company negotiates prices with the drug companies. There's no universal pricing. pnwmom Mar 2014 #145
And that is why we are sitting ducks. Lars39 Mar 2014 #147
Medicare and Medicaid use formularies. So do the national health systems pnwmom Mar 2014 #161
Making formularies standard from one ins co to the next would cut costs, ie profit. Lars39 Mar 2014 #165
It would also give people fewer choices. As it stands now, if one insurer doesn't cover your pnwmom Mar 2014 #167
It is not set in stone that it would have to be that way. Lars39 Mar 2014 #168
Please name one single-payer system anywhere in the world that doesn't have a formulary pnwmom Mar 2014 #169
That does not mean that we could not have the improvements. Lars39 Mar 2014 #170
Of course. Everything could be improved. But we need to be clear on what the issue is. pnwmom Mar 2014 #171
Er, yes, it is. What would be one more law or three that insurance companies Lars39 Mar 2014 #173
The ACA could be amended, yes. But the ACA didn't invent formularies, pnwmom Mar 2014 #175
formularies is how we can reduce drug prices. you use them to mopinko Feb 2017 #199
but for MS drugs... blindersoff Mar 2014 #160
No, it isn't. If a brand name is the only standard treatment, then it's supposed to be covered. n/t pnwmom Feb 2017 #201
Should all pills be free? theboss Mar 2014 #164
that people having issues with insurance companies have to fight them and shop around geek tragedy Mar 2014 #15
Just to be clear, it won't cost more for your coverage if you have an expensive disease? Fumesucker Mar 2014 #21
"everyone pays the same" geek tragedy Mar 2014 #25
All else being equal, the expensive patient pays no more for coverage? Fumesucker Mar 2014 #34
you're asking a question as if you know the answer. geek tragedy Mar 2014 #37
It's cuter, I guess, if he asks the question 12 times first. nt Lex Mar 2014 #40
Do we all have to be insurance experts now? Fumesucker Mar 2014 #46
as in all things, the more you know the better off you'll be geek tragedy Mar 2014 #50
You don't need to know your coworker's income Fumesucker Mar 2014 #58
Premiums for the same plans are the same for all customers, regardless of health, pnwmom Mar 2014 #47
I'm kind of the go-to person among some of the people I know for news type info Fumesucker Mar 2014 #64
There are no plans for the less healthy jeff47 Mar 2014 #71
In other words everyone has to become insurance experts Fumesucker Mar 2014 #73
Not nearly as hard as you are claiming. jeff47 Mar 2014 #75
Just finding out what you actually have can take a very long time Fumesucker Mar 2014 #78
K, that means you'll be in the latter group. jeff47 Mar 2014 #79
And if the symptoms return? Fumesucker Mar 2014 #83
Then you deal with it in your chosen plan for the rest of 2014. jeff47 Mar 2014 #93
I'd start by calling up your primary care doctor and ask what plans they take. pnwmom Mar 2014 #100
Not really. Everyone who has a doctor already should ask the doctor pnwmom Mar 2014 #99
Prepare to be surprised then. That is no longer how it works. This is the whole point of getting pnwmom Mar 2014 #98
Or as if there is any possible system that might not deny coverage treestar Mar 2014 #121
Post removed Post removed Mar 2014 #6
Of course not. I'm saying don't give up if the first company you look at doesn't offer what you need pnwmom Mar 2014 #10
"I LOATHE Obama".. well, aren't you a special little piece Cha Mar 2014 #14
Tell us how you really feel?! flamingdem Mar 2014 #20
Just responding to a perfect example of ODS.. Cha Mar 2014 #31
hola! I just posted the jury results down below, here they are flamingdem Mar 2014 #36
Aha! One and Two need to pay attention to #3. Cha Mar 2014 #43
You know, I have heard that sentiment in the flesh so many times nadinbrzezinski Mar 2014 #23
The Jury results are in... SunsetDreams Mar 2014 #45
Brawawawaaaaaaa.. I thought you were going to give me the results of Cha Mar 2014 #57
LOL SunsetDreams Mar 2014 #62
And, that wasn't all he had to say.. Cha Mar 2014 #69
I'm surprised Jamaal510 Mar 2014 #123
Thank you for the reminder that some people lie when they say they geek tragedy Mar 2014 #17
Precisely geek. Haters gonna hate and a perfect example of ODS. Cha Mar 2014 #30
Well, now s/he's been unmasked. pnwmom Mar 2014 #49
thank you for that valuable INFORMATION Whisp Mar 2014 #7
FYI, some conditions will hardly be in standard formularies nadinbrzezinski Mar 2014 #19
The insurance companies know damn well a lot of people aren't going to do that Fumesucker Mar 2014 #26
And the time involved can wipe out your savings Lars39 Mar 2014 #35
Well face it, they are the little people zeemike Mar 2014 #74
So true. Wait, is this where I'm supposed to Lars39 Mar 2014 #77
Talk about adding insult to injury, just to defend Obama SammyWinstonJack Mar 2014 #177
Even under a single payer system, like Medicare, there can be formularies. pnwmom Mar 2014 #38
Yes, but I am not talking Medicare, or tricare, the closest we get to nadinbrzezinski Mar 2014 #42
I wonder if they use formularies in Canada? Anyone know? pnwmom Mar 2014 #48
Everybody does nadinbrzezinski Mar 2014 #52
Yeah, he's definitely better off there. I was also reading something recently pnwmom Mar 2014 #56
And Italy. nadinbrzezinski Mar 2014 #61
Spend some time in an Italian hospital before you boast about how great they are. MADem Mar 2014 #106
i meet w people every week at hospice that deny your claims. mopinko Feb 2017 #200
Of course they do. If you haven't nationalized pharma you have to have a formulary Recursion Mar 2014 #55
+1 treestar Mar 2014 #122
They can't dump you when you get sick but can deny life-saving meds? Skip Intro Mar 2014 #22
Like Medicare, they can't deny all standard medications for any particular condition pnwmom Mar 2014 #33
Thank you for this good advice, pnwmom.. Valuable Things to know about your Cha Mar 2014 #24
Glad that DU in the grand majority supports the ACA and the HUGE efforts on the part of Obama flamingdem Mar 2014 #32
Thanks for posting this. I can't even stomach what some people write. It says absolutely nothing okaawhatever Mar 2014 #39
Brokers are all out to sell, sell, sell JEB Mar 2014 #53
I just signed up for my plan at work and noticed the preexisting small print sir pball Mar 2014 #65
That doesn't sound right. Lars39 Mar 2014 #70
My plan MAY be grandfathered. sir pball Mar 2014 #80
According to that link, the only grandfathered plan Lars39 Mar 2014 #82
Well either the link is wrong or Blue Cross/Blue Shield is. I honestly think the former. sir pball Mar 2014 #95
Darn. A bit more complicated than I thought: Lars39 Mar 2014 #86
ACA Guidance on 90-Day Waiting Periods and Certificates of Creditable Coverage jtuck004 Mar 2014 #87
As I said, I think I have a "preexisting plan" sir pball Mar 2014 #96
Which is nice, until people see that MONSTER deductible that has to be met davidn3600 Mar 2014 #67
I know what you mean, but a lot of PEs are incredibly expensive anyway sir pball Mar 2014 #81
There are co-pays along the way. You don't pay 100% out of pocket until you meet the deductible Lex Mar 2014 #84
Who the hell reads formularies? progressoid Mar 2014 #76
who reads formularies? geek tragedy Mar 2014 #85
Caveat emptor Fumesucker Mar 2014 #88
yeah, telling people to get the best information possible is exactly geek tragedy Mar 2014 #90
But this is the reality you were replying to Fumesucker Mar 2014 #92
navigating bureaucracy is a challenge geek tragedy Mar 2014 #94
Single payer systems have formularies, too. And you can't switch to another single payer system pnwmom Mar 2014 #157
It's not ok, but they'll do it, given half a chance. nt cyberswede Mar 2014 #91
You and...? progressoid Mar 2014 #102
Lots of people pay rapt attention to something that so vitally affects them. Cha Mar 2014 #89
And lots of people don't. progressoid Mar 2014 #103
Lots of People do. Cha Mar 2014 #109
And the people who don't, get fucked. progressoid Mar 2014 #111
And, the people who do get saved. Cha Mar 2014 #113
So, it's survival of the best insured. progressoid Mar 2014 #115
Should you have no role in your healthcare decisions? theboss Mar 2014 #166
Anyone who needs an expensive drug and can read a list of drugs. pnwmom Mar 2014 #101
So, progressoid Mar 2014 #107
Insurers can't not include whole classes of drugs. So if you can't continue on one diuretic pnwmom Mar 2014 #112
"next December you can look for an insurer with a better formulary" progressoid Mar 2014 #114
Canada has a drug formulary. The UK has a formulary. I'm not aware of any single payer pnwmom Mar 2014 #116
Anyone who needs a hugely expensive drug should. That should be a key factor, pnwmom Mar 2014 #158
More light, less heat. Thanks a bunch, pnwmom. nt Hekate Mar 2014 #97
Thank you for injecting a modicum of sanity into the "discussion du jour." MADem Mar 2014 #110
+a million Number23 Mar 2014 #117
Yeah, I think that was the Fonzie Moment for that fellow. MADem Mar 2014 #118
Absloute projectile vomit--and on the second thread, since the OP was locked out msanthrope Mar 2014 #172
Good information treestar Mar 2014 #119
Maybe instead of convincing DU to clap louder... vi5 Mar 2014 #126
What do you have against facts? I mean ProSense Mar 2014 #127
Because we know about the ACA. vi5 Mar 2014 #128
Evidently, ProSense Mar 2014 #129
My point is... vi5 Mar 2014 #130
The issue ProSense Mar 2014 #131
Got it. vi5 Mar 2014 #132
Sign-up is still ongoing. We need to counter with facts when people spread lies. Even here. n/t pnwmom Mar 2014 #136
"WE" do not know. A heavily recommended post yesterday, by a smart and informed DUer, pnwmom Mar 2014 #134
This isn't about votes. This is about not scaring people off with only 10 days left to sign-up. pnwmom Mar 2014 #133
They should run on turning the ACA into single payer or better:-) grahamhgreen Mar 2014 #137
Can you help will Pitt get his meds? grahamhgreen Mar 2014 #135
I think he knows in the cold light of day what he needs to do. pnwmom Mar 2014 #138
Yeah... We need single payer or better still. grahamhgreen Mar 2014 #154
Hopefully Vermont will successfully lead the way, pnwmom Mar 2014 #156
I asked if he had tried the National MS Society ... JoePhilly Mar 2014 #176
in the northern part of my county only ONE provider accepts ACA plans.... mike_c Mar 2014 #152
That is a real problem, unlike some of the lies being told around here. pnwmom Mar 2014 #155
I want to commend you...I really do... Phentex Mar 2014 #159
Thank you, Phentex. I have the same basic attitude you do. The ACA has a lot of flaws pnwmom Mar 2014 #174
Thank goodness for insurance companies... LanternWaste Mar 2014 #163
I guess you have never picked a company only to have them stop carrying the meds you use Mojorabbit Mar 2014 #178
No, it's happened to me, on a large group plan. And it happened to my mother-in-law on Medicare. pnwmom Mar 2014 #179
Yes there is an appeal process. Mojorabbit Mar 2014 #181
But this has nothing to do with the ACA. It's the same way single payer countries pnwmom Mar 2014 #182
I am on medicare with a drug plan through united Mojorabbit Mar 2014 #183
That's a larger issue, however, unrelated specifically to the ACA ,and it applies to Medicare, too, pnwmom Mar 2014 #184
Thanks for the work, the info, and for the example! nt LAS14 Feb 2017 #196
2014 post. I was hopeful till I saw the date. riversedge Feb 2017 #202
Latest Discussions»General Discussion»Don't be deceived. Contra...»Reply #31