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In reply to the discussion: Don't be deceived. Contrary to popular opinion, ALL insurers, whether on or off the exchanges, [View all]Cha
(297,220 posts)89. Lots of people pay rapt attention to something that so vitally affects them.
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Don't be deceived. Contrary to popular opinion, ALL insurers, whether on or off the exchanges, [View all]
pnwmom
Mar 2014
OP
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
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
The US HC industry is now 3 trillion per year. The ACA guarantees them 20% that JUST FOR PROFIT
Doctor_J
Mar 2014
#124
I prefer single-payer, but I don't think we should be spreading lies about the ACA here
pnwmom
Mar 2014
#149
Wrong. It's part of administrative costs. I don't agree with a bonus like that, but the insurer
pnwmom
Mar 2014
#150
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
Considering that was a reduction in their profit, I'd say that is a win. Also, the 20% isn't
okaawhatever
Mar 2014
#105
What gets me is a single payer system might also deny certain treatments or drugs
treestar
Mar 2014
#120
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
"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
Unfortunately, formularies aren't something specific to the ACA. Medicare has a formulary,
pnwmom
Mar 2014
#140
Each company negotiates prices with the drug companies. There's no universal pricing.
pnwmom
Mar 2014
#145
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
Please name one single-payer system anywhere in the world that doesn't have a formulary
pnwmom
Mar 2014
#169
Of course. Everything could be improved. But we need to be clear on what the issue is.
pnwmom
Mar 2014
#171
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
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
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
Prepare to be surprised then. That is no longer how it works. This is the whole point of getting
pnwmom
Mar 2014
#98
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
The insurance companies know damn well a lot of people aren't going to do that
Fumesucker
Mar 2014
#26
Spend some time in an Italian hospital before you boast about how great they are.
MADem
Mar 2014
#106
Of course they do. If you haven't nationalized pharma you have to have a formulary
Recursion
Mar 2014
#55
Like Medicare, they can't deny all standard medications for any particular condition
pnwmom
Mar 2014
#33
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
Well either the link is wrong or Blue Cross/Blue Shield is. I honestly think the former.
sir pball
Mar 2014
#95
ACA Guidance on 90-Day Waiting Periods and Certificates of Creditable Coverage
jtuck004
Mar 2014
#87
There are co-pays along the way. You don't pay 100% out of pocket until you meet the deductible
Lex
Mar 2014
#84
Single payer systems have formularies, too. And you can't switch to another single payer system
pnwmom
Mar 2014
#157
Insurers can't not include whole classes of drugs. So if you can't continue on one diuretic
pnwmom
Mar 2014
#112
Canada has a drug formulary. The UK has a formulary. I'm not aware of any single payer
pnwmom
Mar 2014
#116
Absloute projectile vomit--and on the second thread, since the OP was locked out
msanthrope
Mar 2014
#172
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
Thank you, Phentex. I have the same basic attitude you do. The ACA has a lot of flaws
pnwmom
Mar 2014
#174
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
But this has nothing to do with the ACA. It's the same way single payer countries
pnwmom
Mar 2014
#182