Welcome home, fellow Gator.

The Gator Nation's oldest and most active insider community
Join today!

Trumpcare Health Insurance

Discussion in 'Too Hot for Swamp Gas' started by VAg8r1, Jun 14, 2019.

  1. VAg8r1

    VAg8r1 GC Hall of Fame

    8,387
    805
    533
    Apr 8, 2007
    Trump is bragging about lower cost health insurance. Some examples what has happened to people who purchased the type of policies Trump is promoting.
    Florida Company Sued Over Sales of Skimpy Health Plans
     
    • Informative Informative x 2
    • Funny Funny x 1
  2. 96Gatorcise

    96Gatorcise GC Hall of Fame

    7,522
    923
    573
    Aug 6, 2008
    Tampa
    Article behind a pay wall.
    But this should be filed under buyer beware, read the fine print.
     
    • Like Like x 1
  3. BLING

    BLING GC Hall of Fame

    3,552
    332
    423
    Apr 16, 2007
    Trumpistas response: "shoulda had a law degree to understand the terms of them there insurance contracts. Personal responsibilities y'all".
     
    • Winner Winner x 2
    • Like Like x 1
    • Agree Agree x 1
    • Come On Man Come On Man x 1
  4. BLING

    BLING GC Hall of Fame

    3,552
    332
    423
    Apr 16, 2007
    Oh look I was right already (96gator not a trump supporter, but has same bad ideas for health insurance).
     
    Last edited: Jun 14, 2019
    • Like Like x 2
    • Come On Man Come On Man x 1
  5. gator7_5

    gator7_5 GC Hall of Fame

    11,409
    196
    603
    Apr 9, 2007
    A key paragraph...

    "Ms. Belin, who was recently divorced, had been looking for an Obamacare policy in 2016. She spoke to a sales agent who offered her what she thought was an array of traditional health plans.

    “He would find me a plan that would fit my budget,” she recalled being told. Instead, she was sold a limited benefit plan, which sharply capped what it paid for medical care."

    Uh, I think he did. Obamacare is freaking expensive. Can't get it for 400 a month. A sex change for your neighbor costs a lot of money.
     
    • Like Like x 3
    • Come On Man Come On Man x 2
  6. 96Gatorcise

    96Gatorcise GC Hall of Fame

    7,522
    923
    573
    Aug 6, 2008
    Tampa
    Not a trumpista, but I do think you better understand what you are buying and if you don't ask questions.
    Do you think these two examples did their due diligence?
     
    • Agree Agree x 2
    • Like Like x 1
    • Fistbump/Thanks! Fistbump/Thanks! x 1
  7. BLING

    BLING GC Hall of Fame

    3,552
    332
    423
    Apr 16, 2007
    Well that's the point of Obamacare, if you are going to have insurance it's got to be transparent. It should be easy to understand what is covered or not covered, and unfortunately that is far from the case - even with Obamacare there are issues. Esp when it comes to in network vs. out of network. You could literally be in a hospital that is in-network, but if an out of network physician or specialist comes to see you, wham, you aren't covered. That'll be $23,000 please.

    So basically either have easy to understand plans, or outlaw the entire concept of health insurance as a thing. There is no question these scammy "oops this isn't actually insurance" plans should be outlawed.
     
    Last edited: Jun 14, 2019
    • Winner Winner x 2
    • Disagree Disagree x 1
    • Come On Man Come On Man x 1
  8. VAg8r1

    VAg8r1 GC Hall of Fame

    8,387
    805
    533
    Apr 8, 2007
    She was conned by a skilled salesman (read con artist) into purchasing an inadequate policy.
     
    • Like Like x 1
    • Agree Agree x 1
  9. VAg8r1

    VAg8r1 GC Hall of Fame

    8,387
    805
    533
    Apr 8, 2007
    Although I think Obamacare should be fixed you have presented a very persuasive argument for Bernie Sanders' "Medicare for All".
     
    • Agree Agree x 2
  10. mdgator05

    mdgator05 Premium Member

    7,966
    678
    508
    Dec 9, 2010
    You could find a silver plan in Ohio in 2016 for $302 personally if she was 45. If she was taking care of 1 child, it would have cost $403 without a subsidy. If she had two children, she would have been eligible for a subsidy that would have lowered her premiums to under $400 if she made anything less than $54,500.

    2016 Health Insurance Marketplace Calculator
     
    • Like Like x 1
  11. AgingGator

    AgingGator GC Hall of Fame

    1,524
    292
    323
    Apr 24, 2007
    It may be the point but I don’t agree. Those of us who have the knowledge, skill, and means should not have to overpay for medical coverage to make it “easy” for everyone else who doesn’t want to put in the effort. Someone with the means should have the option of a low premium, high deductible plan where they are basically self insuring themselves agains low cost medical needs and buying coverage for catastrophic needs.

    Likewise, someone of lesser means should have choices among higher premium plans that basically amortize their minor medical expenses over the course of a year through their premiums, while covering their catastrophic.

    Then you can set up subsidies based on need for those who can’t make their premiums. This would be a much cheaper and less intrusive way to achieve the “affordable healthcare for all” objective.
     
    • Like Like x 2
    • Agree Agree x 1
  12. channingcrowderhungry

    channingcrowderhungry Premium Member

    4,963
    835
    563
    Apr 3, 2007
    Bottom of a pint glass
    Obamacare isn't expensive. When I was poor it cost me 26$ a month. Now that I'm not poor I pay way more for it. I hate Obamacare but if you didnt have money it did what it was intended to do.
     
  13. WarDamnGator

    WarDamnGator GC Hall of Fame

    6,052
    478
    538
    Apr 8, 2007
    Sounds a lot like Obamacare. You are not going RINO on me, are you?

    Anyway, you are wrong about people with "knowledge and skill" being able to decipher insurance plans. My MIL was billed through the nose when her in network hospital and doctor used an out of network "equipment provider" during one of her surgeries. Not sure exactly what that entailed, but I guess the hospital or doctor contracted use of medical equipment through a 3rd party. Now, how the hell was she was supposed to know that, or even know to ask about that?
     
    • Winner Winner x 3
    • Agree Agree x 1
  14. fastsix

    fastsix Premium Member

    7,205
    739
    1,243
    Apr 11, 2007
    Seattle
    If only there were people to help you understand what your insurance covered. If there was a well funded program like that, maybe this woman wouldn't have bought insurance that didn't cover her needs. Unfortunately that program got hit with a lot of budget cuts because of someone. It's almost as if they did it so situations like the one above would happen in order to make Obamacare look bad. MAGA!

    trump Officials Slash Grants That Help Consumers Get Obamacare

    The Trump administration announced on Tuesday that it was slashing grants to nonprofit organizations that help people obtain health insurance under the Affordable Care Act, the latest step in an escalating attack on the law that threatens to destabilize its insurance markets.

    The cuts are the second round in two years. The government will provide $10 million this fall, down from $36 million last autumn and $63 million in late 2016 — a total reduction of more than 80 percent

    The announcement on Tuesday, by Seema Verma, the administrator of the Centers for Medicare and Medicaid Services, came three days after the administration suspended a program that stabilizes health insurance markets by paying billions of dollars to insurers that enroll large numbers of unhealthy people under the Affordable Care Act. Insurers said the freeze would cause turmoil in insurance markets and drive up premiums.


    The administration is not only cutting grants to navigators, but fundamentally changing their mission. They will, for the first time, help people enroll in health insurance plans that do not comply with the consumer protection standards and other requirements of the Affordable Care Act.

     
    • Winner Winner x 1
  15. gatorknights

    gatorknights GC Hall of Fame

    25,160
    2,265
    1,093
    Apr 8, 2007
    Gainesville, FL
    When Mrs. GK passed the insurance company cancelled our health insurance policy effective the date of death. I didn't realize that, as she had got the policy for us. It was an absolute nightmare getting a new policy, especially for a grieving widow. As if I didn't have enough crap to deal with, with all the scammers and predators including health insurers gunning for you. I can't imagine how bad it is for the elderly and non sophisticated shopper. Or those that might be entering dementia. Nothing says good business practices like preying on the elderly and the suffering. Not to mention withholding or hiding information in the sales pitch.
     
    • Winner Winner x 2
  16. VAg8r1

    VAg8r1 GC Hall of Fame

    8,387
    805
    533
    Apr 8, 2007
    Sounds like she could have been persuaded (or more accurately scammed) into believing that the $240 a month policy which she ended up purchasing was as good as a $400 ACA compliant policy.
     
    • Agree Agree x 1
  17. defensewinschampionships

    defensewinschampionships GC Hall of Fame

    1,492
    636
    288
    Sep 16, 2018
    I’m no Trump supporter but in the 10 years since the ACA my health insurance premiums are outpacing inflation by almost 25%
     
    • Agree Agree x 2
    • Informative Informative x 1
  18. tarponbro

    tarponbro GC Legend

    643
    126
    253
    Feb 10, 2016
    Lesser means = higher premiums. That's not how you cover those people who don't make much money. I got an idea. Let's restore the old bankruptcy and credit laws where you could not pay medical bills and it wouldn't go on your credit rating. Great idea, huh? About as great as the idea that the less wealthy pay higher premiums for more inclusive insurance with low deductibles. The less wealthy might not be able to afford the higher premiums so your idea is very unrealistic. BTW, are you Rick Scott? Just kidding on my last question...
     
    • Fistbump/Thanks! Fistbump/Thanks! x 1
  19. tarponbro

    tarponbro GC Legend

    643
    126
    253
    Feb 10, 2016
    So, if inflation was 3% your premiums went up by 3.75%?
     
  20. AgingGator

    AgingGator GC Hall of Fame

    1,524
    292
    323
    Apr 24, 2007
    Until Obama care: Higher Premiums = Very Low Out of Pocket expenses.