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Old 03-30-2017   #1 (permalink)
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Trumpcare vs Obamacare

My thoughts. They both suck very bad. The Trumpcare they were trying to pass was probably worse. I heard only 17% support for the bill. I, pushing 50 years old, would have gotten creamed on rates, especially since I also have wife and two kids at home and don't qualify for subsidies. The Republican plan was an incredible embarrassment, especially since they have had over 7 years to come up with something.

What's the fix? Slash payments to all providers by 25-50%, government pays loans back for educating doctors and dentists so they don't need to make $400,000 a year to pay back loans, if you want "free" coverage you must do SOMETHING for 8 hours a day (work at childcare, sweep streets, greeter at the hospital, cut grass, shuffle papers, something). Everyone needs to walk 5 miles a day. We can put AbsoluteAl in charge of that one. Cut out all State boundary restrictions. Everyone gets generics. If you want something brand name, you pay out of pocket or get Cadillac insurance. Maybe have hospitals look like hospitals and not the Taj Mahal. Just those things should fix a lot of the problems
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Old 03-31-2017   #2 (permalink)
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There is no Trumpcare
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Old 03-31-2017   #3 (permalink)
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There is no Trumpcare
I wouldn't want my name on that mess either. But just for the sake of brevity.

Trump is in the drivers seat now and whatever new plan ends up being will most likely bear his name. Obamacare is not going to last 4 more years so something is going to replace it.
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Old 03-31-2017   #4 (permalink)
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Originally Posted by sanluisdavid View Post
I wouldn't want my name on that mess either. But just for the sake of brevity.

Trump is in the drivers seat now and whatever new plan ends up being will most likely bear his name. Obamacare is not going to last 4 more years so something is going to replace it.
The Trump administration has walked away from health care reform. They were humiliated in their first attempt.
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Old 03-31-2017   #5 (permalink)
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Originally Posted by sanluisdavid View Post
I wouldn't want my name on that mess either. But just for the sake of brevity.

Trump is in the drivers seat now and whatever new plan ends up being will most likely bear his name. Obamacare is not going to last 4 more years so something is going to replace it.
Yes, it will last longer than that, but it will finally be improved and also expanded with a public option.
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Old 03-31-2017   #6 (permalink)
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Originally Posted by sanluisdavid View Post
I wouldn't want my name on that mess either. But just for the sake of brevity.

Trump is in the drivers seat now and whatever new plan ends up being will most likely bear his name. Obamacare is not going to last 4 more years so something is going to replace it.
But the steering does not work.
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Old 03-31-2017   #7 (permalink)
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But the steering does not work.
Yeah he completely put his faith in Ryan and even though in the drivers seat, took his hands off the wheel and ended up with a flop of a bill which was presented in a very awkward, uncoordinated manner. On top of that , alienated the hard core conservatives. So it is going to take a lot to fix this mess. Repubs made it twice as hard on themselves now. Not just for healthcare, but for tax reform , and everything else to follow since there is a lot of bad blood between conservatives and moderates with the party. Doesn't make much sense to me why Ryan is still in the game. He needs to be yanked.
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Old 03-31-2017   #8 (permalink)
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Yeah he completely put his faith in Ryan and even though in the drivers seat, took his hands off the wheel and ended up with a flop of a bill which was presented in a very awkward, uncoordinated manner. On top of that , alienated the hard core conservatives. So it is going to take a lot to fix this mess. Repubs made it twice as hard on themselves now. Not just for healthcare, but for tax reform , and everything else to follow since there is a lot of bad blood between conservatives and moderates with the party. Doesn't make much sense to me why Ryan is still in the game. He needs to be yanked.
I think what is needed is a bipartisan coalition of center-right to center-left congress-critters who are willing to work for the well being of our nation in a pragmatic, non-ideological manner.

I have no expectation that kind of rationality will prevail in today's climate.
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Old 03-31-2017   #9 (permalink)
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But the steering does not work.
I think the steering is fine...he just needs to learn how to control it instead of careening off the curbs!
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Old 03-31-2017   #10 (permalink)
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Elote el Rey asked me what percentage of income my clients pay for the ACA coverage. Here's a real case. Client made $56k 2014. She quit her job in 2015 and only earned $14k. She needed back surgery so she enrolled in the ACA (no cobra). Since she made $56k in 2014 she wasn't eligible for premium assistance and paid the full $879 a month in 2015 for ACA coverage. That's $10K or 72% of her income of $14K. BTW, she's a single person, late 50's.

She had to liquidate part of her deferred comp plan to pay the premiums.

When we filed her 2015 return, she was refunded $5k of the ACA premiums, leaving her net cost at $5k, or 36% of her income To add insult to injury, the IRS claimed she had a fraud alert on her file and they took 6 months to refund her the money. We never heard anything further about the fraud issue.

I personally wish the incompetents in DC would stay out of the health insurance business. Incompetent like the $1 billion over budget unfinished VA hospital in Aurora, CO.

There needs to be tort reform to cap outrageous settlement amounts. Drug costs need to come down. Care costs need to drop. Health insurers need to regulated to avoid pre-existing condition exclusions. Insurance should be allowed to be purchased across state lines. I think it's fine to give tax credits to low-income people to help pay for their insurance, or give the credits to the insurers to reduce the premiums at the front end.

I'm not an expert in this area by any means. That's why I rely on the Kaiser Foundation website to get facts.

Hope this helps illustrate what really happens.
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Old 04-22-2017   #11 (permalink)
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For anyone else out there in a difficult situation with the out of control costs associated with health insurance in US, I think I found an acceptable solution. At least it looks fine for our family.

It is called Medi-Share. For a family of 4, $10,000 family deductible, it will cover us for $281 a month if I can lose a few pounds prior to June 1 when we want to start the service. If I don't lose enough weight it puts an $80/month surcharge on my account to cover a "Health Partner" until I lose the weight. Even at $361/month it will literally save me $1,000 a month versus the cost for an Obamacare plan in Pinal County, AZ

It uses a large nationwide PPO system (PHCS), so there are plenty of providers. There are no "State Lines" where we will need to re-apply to a new insurance carrier if move to another state or go on vacation. They even said there is emergency coverage when traveling abroad.

It also has a $0 cost option for tele-docs which are available 24/7 to answer questions and even examine by Facetime, Skype, or equivalent to see what is going on. That alone would have saved me about $1,500 over the last two years with our son who just had a bad cold and after all the BS at the clinic, we were told to "just let him rest, make sure he gets plenty of fluids...."

It is a Christian based group and you have to sign some statements that you do not use tobacco, have sex outside of marriage, etc.

The loophole is the same one the Amish use to avoid a lot of the mandates. They have been in business for over 20 years, so it must work.

It will not pay for pre-existing conditions, abortions, nose jobs, things like that of course. But for some basic coverage like we had before the Obamacare fiasco, it seems to be a great fit for us.
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Old 08-22-2017   #12 (permalink)
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There is no Trumpcare.
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Old 08-22-2017   #13 (permalink)
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Trump and Republicans have been continually been trying to undermine ACA. The result has been increasing premiums by insurance because of the uncertainty the Republicans are creating.

Fix the problems with ACA but do not undermine it. Repealing it would be insane because we would go back to what we had before ACA which was pre-existing conditions and non-coverage.

A Public Option should be added. And a Medicare buy in for those 50 and older implemented.
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Old 08-22-2017   #14 (permalink)
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Trump and Republicans have been continually been trying to undermine ACA. The result has been increasing premiums by insurance because of the uncertainty the Republicans are creating.
Premium increases are a function of the cost to insure people increasing and the fact that Mr Trump may consider following the law and not illegally fund the insurance companies as he, and his predecessor, have. You aren't encouraging Mr Trump break the law and continue to illegally siphon billions of dollars to the insurance companies, are you?
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Fix the problems with ACA but do not undermine it. Repealing it would be insane because we would go back to what we had before ACA which was pre-existing conditions and non-coverage.
That is not true, pre-existing conditions were covered in the past at a federal level (HIPAA-1996) and at the state level. When the ACA was passed and the special pool created for pre-existing conditions, less than .1% of the population signed up; doesn't sound like there was a big call for that service.
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A Public Option should be added. And a Medicare buy in for those 50 and older implemented.
How about an option for real insurance? A plan that covers catastrophic illness or accident and has the patient pay the normal costs of healthcare, much like an auto insurance policy works. Why does the government want to keep you from purchasing a policy that makes both economic and medical sense?
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Old 08-22-2017   #15 (permalink)
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Premium increases are a function of the cost to insure people increasing and the fact that Mr Trump may consider following the law and not illegally fund the insurance companies as he, and his predecessor, have. You aren't encouraging Mr Trump break the law and continue to illegally siphon billions of dollars to the insurance companies, are you?


That is not true, pre-existing conditions were covered in the past at a federal level (HIPAA-1996) and at the state level. When the ACA was passed and the special pool created for pre-existing conditions, less than .1% of the population signed up; doesn't sound like there was a big call for that service.

How about an option for real insurance? A plan that covers catastrophic illness or accident and has the patient pay the normal costs of healthcare, much like an auto insurance policy works. Why does the government want to keep you from purchasing a policy that makes both economic and medical sense?
Auto insurance has a mandate and is required. Or a bond is required to be posted. Should the same hold true for health care and health insurance?

Pre-existing conditions were covered by all policies after ACA. Why would a person need to sign up for a special pool for coverage?
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