72 Absurd Items ObamaCare Requires Your Health Insurance to Cover

Discussion in 'Too Hot for Swamp Gas' started by diehardgator1, Nov 9, 2013.

  1. diehardgator1
    Offline

    diehardgator1 Well-Known Member

    Joined:
    Apr 3, 2007
    Messages:
    6,594
    Likes Received:
    122
    Trophy Points:
    63
    Ratings Received:
    +275
    Most of these items are about as dumb as the people who passed them. No wonder Ins is going thru the roof

    The purpose of health insurance is to protect one from a financial catastrophe in the event of a serious accident or a catastrophic illness. If you want to keep your monthly premiums cheap, you accept a high deductible of $5,000.

    That is, your insurance pays nothing unless your medical expenses exceed $5,000 in a year. Until you hit the $5,000 in expenses level, you pay your health care costs out of pocket.

    You pay for your doctor visits, your check ups, your prescriptions, your flu shots, your colds and sniffles. You pay for your routine vision care and routine dental work — teeth cleanings, fillings, and the like.

    I keep my car insurance premiums low with the exact same approach. I have a $2,000 deductible. More importantly, I don’t make insurance claims for fender benders. I pay for those of pocket.

    But that’s not the ObamaCare product.


    http://www.conservativehq.com/artic...bamacare-requires-your-health-insurance-cover
  2. JerseyGator01
    Offline

    JerseyGator01 Well-Known Member

    Joined:
    Apr 10, 2007
    Messages:
    14,837
    Likes Received:
    123
    Trophy Points:
    63
    Ratings Received:
    +491
    And people wonder why there was so little resistance from hospitals, HMOs and pharmaceutical companies over this so-called reform.
  3. GatorFanCF
    Offline

    GatorFanCF Premium Member

    Joined:
    Apr 14, 2007
    Messages:
    3,739
    Likes Received:
    156
    Trophy Points:
    63
    Ratings Received:
    +608
    The problem started with the advent of the PPO/HMO claims that costs would go down when you only had to pay $10 to see a doctor (1980's). The premise was people would be consistent and dutiful in getting checkups and screenings for their health and thereby would minimize and identify early severe health problems.

    Problem: human beings are anything but consistent. We go to the doctor when we feel like crap. We see the optometrist when the DMV says we must have corrective lenses; and, we go to the ear doctor when our family tells us we don't hear so well. It's primarily reactive. All the $10 co-pay did was make millions of Americans believe that you can get quality healthcare on the cheap. I haven't seen any statistics showing that people now are healthier because of HMO/PPO type insurance. In fact, most stats I've heard of lately is that we are literally killing ourselves by poor choices with food, lack of exercise and drugs habits.

    Going to the "cheap" out of pocket model vs. the high-deductible created the perception that all health care was "cheap" and if you needed 13 tests you got all 13 because "someone else was paying for it." I believe that exact opposite model is needed so that people question why a procedure is recommended and then shop around to find the best fit. Our Information Age should make this significantly easier for purchasers of health services.
  4. corpgator
    Offline

    corpgator Well-Known Member

    Joined:
    May 9, 2010
    Messages:
    6,385
    Likes Received:
    162
    Trophy Points:
    63
    Ratings Received:
    +744
    Some of the items are necessary. Every plan must cover maternity to spread the risk around. Women have to carry the children, but men help make them. I always hear complaints on here about abortions or about us not having enough children or broken family units, but when it comes time to pay for producing healthy babies, it's whine whine whine.
  5. gatordowneast
    Offline

    gatordowneast Premium Member

    Joined:
    Apr 3, 2007
    Messages:
    11,748
    Likes Received:
    303
    Trophy Points:
    83
    Ratings Received:
    +985
    Good article. Obamacare essentially requires insurance to pay for oil changes, tires, wind shield wipers, car washes and tolls. Imagine if your auto insurance paid for those things for your car? Think the costs would be the same?
  6. viningsgator
    Offline

    viningsgator Premium Member

    Joined:
    Apr 3, 2007
    Messages:
    5,695
    Likes Received:
    37
    Trophy Points:
    48
    Ratings Received:
    +138
    This is what you get with a centrally planned government.
  7. MichaelJoeWilliamson
    Offline

    MichaelJoeWilliamson Well-Known Member

    Joined:
    Jun 22, 2009
    Messages:
    6,820
    Likes Received:
    415
    Trophy Points:
    83
    Ratings Received:
    +497
    So let's just kill healthy unborn babies and solve the problem, right?
  8. secgator
    Offline

    secgator Well-Known Member

    Joined:
    Sep 1, 2007
    Messages:
    10,324
    Likes Received:
    271
    Trophy Points:
    83
    Ratings Received:
    +548
    Paying for someone else's STD screening is justified?

    Sorry---don't see it.
  9. corpgator
    Offline

    corpgator Well-Known Member

    Joined:
    May 9, 2010
    Messages:
    6,385
    Likes Received:
    162
    Trophy Points:
    63
    Ratings Received:
    +744
    Where did I say that? I said conservatives should stop complaining about paying for women's healthcare when they want healthy babies and healthy family units. It's hypocritical.
  10. rivergator
    Offline

    rivergator Well-Known Member

    Joined:
    Apr 8, 2007
    Messages:
    30,962
    Likes Received:
    320
    Trophy Points:
    83
    Ratings Received:
    +1,454
    is that how insurance works?
  11. VAg8r1
    Offline

    VAg8r1 Well-Known Member

    Joined:
    Apr 8, 2007
    Messages:
    5,834
    Likes Received:
    26
    Trophy Points:
    48
    Ratings Received:
    +79
    If you are concerned with the unborn you should be a strong supporter of subsidized contraceptives.
    link
  12. secgator
    Offline

    secgator Well-Known Member

    Joined:
    Sep 1, 2007
    Messages:
    10,324
    Likes Received:
    271
    Trophy Points:
    83
    Ratings Received:
    +548
    I can NOT justify me--or you for that matter--paying for 'screening' for someone else's STD tests.

    IF I had the issue to worry about, it is up to ME to pay for my own--as it should be YOUR responsibility to pay for YOUR own STD tests.

    It is called 'personal accountability' river. You should try it sometimes.
  13. agigator
    Offline

    agigator Active Member

    Joined:
    Apr 8, 2007
    Messages:
    1,177
    Likes Received:
    8
    Trophy Points:
    38
    Ratings Received:
    +74
    Hypocrisy is holding other people to a higher standard than you hold your self.

    If a couple covers their own costs for healthy babies and a healthy family unit(their own family unit) then it's not the least bit hypocritical for them to expect the same from everyone else.

    Expecting people to financially own the consequences of their lifestyle choices isn't hypocritical. You break it you buy it.
  14. corpgator
    Offline

    corpgator Well-Known Member

    Joined:
    May 9, 2010
    Messages:
    6,385
    Likes Received:
    162
    Trophy Points:
    63
    Ratings Received:
    +744
    I'm not talking about that. I'm talking about conservative men generally complaining that they are now going to have to pay the same as women even though women use more healthcare as though they don't have wives, sisters, mothers, or daughters.
  15. agigator
    Offline

    agigator Active Member

    Joined:
    Apr 8, 2007
    Messages:
    1,177
    Likes Received:
    8
    Trophy Points:
    38
    Ratings Received:
    +74
    You may think you're talking about something different but I don't believe you are. If I want to subsidize my sister, mom, wife, daughter, cousin, or even a just an old friend then I'll do it directly. I have no interest in paying, indirectly, for some woman that I've never even met who may or may not be acting in what I consider to be a responsible manner.
  16. icequeen
    Offline

    icequeen Well-Known Member

    Joined:
    May 21, 2013
    Messages:
    4,318
    Likes Received:
    1,938
    Trophy Points:
    113
    Location:
    Buffalo, NY
    Ratings Received:
    +2,900
    Um, I'm a woman and I don't feel it's fair at all for any man, liberal or conservative, to pay for services THEY DON'T NEED. Tell me where a single male needs all those coverages for women's services. If they get married, then get a family policy which, wait for it, would have women's services in there. Do childless couples need to have riders for child coverage (immunizations, etc)? No! Nor should they have to pay for it.

    My only beef EVER with the differences in policies was the copays as an example. Men in a lot of policies were getting ZERO copays for Viagra, Cialis, etc, but women were having to pay copays for birth control pills, and then some pharmacies were declining to fill them on the grounds of "religious objections." I'm Catholic. Even the Catholic Church makes exceptions for birth control pills when they're used medicinally and not for the purposes of actual birth control - ie, hormone therapy, acne therapy, etc. I asked. But those same locations had no problem filling Viagra, Cialis, etc.

    Other than that, women use more services so YES, women's policies should cost more. With that said, women are still making less for the same work in a lot of cases, so that makes it harder to carry those policies alone among other things.

    But this whole mess still smacks of nothing more than wealth distribution and making policies so incredibly hard to comply with that most people will get dropped or have their rates increased.

    While we're at it, have them cover elective plastic surgery...it's about the only thing left on there that's not covered! :sick:
  17. PSGator66
    Offline

    PSGator66 Well-Known Member

    Joined:
    Apr 29, 2011
    Messages:
    6,225
    Likes Received:
    145
    Trophy Points:
    63
    Ratings Received:
    +613
    corp - thanks for spreading the obamacare propaganda but be real - it SUX!!
  18. rivergator
    Offline

    rivergator Well-Known Member

    Joined:
    Apr 8, 2007
    Messages:
    30,962
    Likes Received:
    320
    Trophy Points:
    83
    Ratings Received:
    +1,454

    You pay for everything anyone else uses insurance for. That's how insurance works.
  19. icequeen
    Offline

    icequeen Well-Known Member

    Joined:
    May 21, 2013
    Messages:
    4,318
    Likes Received:
    1,938
    Trophy Points:
    113
    Location:
    Buffalo, NY
    Ratings Received:
    +2,900
    To an extent, river - but when I'm buying car insurance my agent's not telling to purchase motorcycle insurance, boat insurance, homeowner's insurance (we rent and have renter's), an insurance rider for those older collectible cars, etc, along with the policy I'm looking for. I don't have any teen males in the house, so I don't need to pay that extra "premium" either.

    It's just too much too far.
  20. brainstorm
    Online

    brainstorm Moderator VIP Member

    Joined:
    Apr 14, 2007
    Messages:
    16,342
    Likes Received:
    258
    Trophy Points:
    83
    Location:
    Green Cove Springs
    Ratings Received:
    +783
    Very good point.

Share This Page