Local news on Obamacare from the CEO of the Cleveland Clinic

Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: jpete On: Tue Apr 01, 2014 7:33 pm

rberq wrote:
jpete wrote:Being that my employer medical is priced so I can't afford to have my wife on my coverage, I decided to see what Barry had to offer.
I put all my kids on state Medicare for $0. Then I pay $140/month to cover me and my wife. That buys me a $5800/per person deductible. So the total amount is $13,300 before insurance pays a penny.
You make the call.....

So did you make the call and stay with your employer’s insurance?
For $140/month you can cover yourself, plus “all” your kids, plus your wife who otherwise would be uninsured? And you are complaining? Many people pay more than that for cable TV plus a couple of cell phones, which are arguably less important than medical care. For comparison, my wife still has private coverage through my previous employer, at over $500 a month for her alone, and her deductible is $4500. Your total amount of $13,300 takes effect only if both you and your wife have substantial expenses in the same year. Yes, it’s a scary potential expense, but not yet a real one. It sounds to me like you are WAY better off with Obamacare.


My current insurance, which admittedly doesn't cover my wife, has a $1500 deductible. When I cut my thumb back in November, I got $750 into that. It doesn't take much to incur some costs at a hospital.

My wife has been pretty good at paying out of pocket for stuff. Her last physical came with an $800 bill. She called and said she was self pay and they sent out a corrected bill for $180.

And I'm not really thrilled with putting the kids on Medicare for various reasons, one of which is that they are only covered in state. They would have ZERO insurance outside the state so if we went on vacation and they needed medical care, we've got nothing.

I haven't ruled O'care out just yet. I'm in the system so I can still go back if needed but open enrollment at work is this month so I'm going to see what they have to offer first.
jpete
 
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: lsayre On: Tue Apr 01, 2014 7:36 pm

So how many of you have saved $2,800?
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: rberq On: Tue Apr 01, 2014 9:32 pm

Billyirons wrote:It does not matter what my old insurance covered because I was happy with it. But in a nutshell, it covered all tests doctors, surgeries etc IN the hospital including ER (If I was admitted, if Not I paid for ER). I never saw a policy without a lifetime limit. I knew that before I signed up. Nothing outside the hospital was covered (and I know that those costs can be insanely expensive. The policy renewed once a year.
I was willing to take the risk on any other care I needed- I wrote that I am not poor.
The most important point is my insurance is my choice!

I'm sorry to doubt you, but without seeing your policy I flatly refuse to believe a 62ish year old man can buy an unsubsidized policy for $149/month that truly covers catastrophic hospital costs for an extended stay. Heck, my healthy 24 year old son had to pay 2 ½ times that eight years ago for a policy with higher deductibles. Since you “do not use” doctors, drugs, or outpatient services, then the Obamacare $4000 out-of-pocket is irrelevant to you, so why mention it? – you will not use it unless you go in the hospital. If you were willing to take the risk on “insanely expensive” care outside the hospital, then you can certainly take the risk on $4000. To be blunt, it sounds like you were a typical underinsured person before Obamacare, and if you really had catastrophic expenses I and other taxpayers/billpayers would have ended up covering where your insurance came up short.

As to your insurance being your choice, I understand why you might feel that way. But do you drive a car in your state of New York? And does the state force you to carry auto liability insurance? And have you also protested that as something that should be your choice?
rberq
 
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: rberq On: Tue Apr 01, 2014 9:52 pm

jpete wrote:My wife has been pretty good at paying out of pocket for stuff. Her last physical came with an $800 bill. She called and said she was self pay and they sent out a corrected bill for $180.

There's a big clue right there to the games played between insurers and medical providers. The provider is probably paid $180 by insurance regardless of whether he bills $180 or $18,000. Fortunately enough people have realized that healthcare bills are largely fictional, they have begun to challenge the outrageous numbers. That's one of the "benefits" of the hated co-pays and deductibles: If the insurance company pays everything right from the first dollar, then there is no reality check. But if the patient has to kick in some cash, he is at least going to look at the bill and make sure it is accurate and reasonable. When you see how little insurance companies and Medicare/Medicaid pay for some services, compared to the "standard" billed amounts, it is astonishing. And yet the hospitals still compete for business, so I guess they are getting enough.
rberq
 
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: Billyirons On: Tue Apr 01, 2014 10:53 pm

rberg
I only posted the $4000 to show what the general costs of the ACA policy are but you are right- they are irrelevant to me.
I posted it in case someone else might want that info.
You do not know me. I take care of me & mine. No one gets stuck paying my bills. You & I and other taxpayers/billpayers have, in the past, and will , in the future, continue to pay for the people who do not pay their own way- The Government passed laws that make it so. I don't like it but that is the way it is- for now. I will continue to fight it.
Mandatory auto liability insurance only counts if I want to drive a car. I have a choice but I do not have a choice with the ACA.
Btw, from what I read, 7 to 10% drive without any insurance anyway and it has been mandatory since 1956.
Billyirons
 
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: rberq On: Wed Apr 02, 2014 7:53 am

Billyirons wrote:You do not know me. I take care of me & mine. No one gets stuck paying my bills. You & I and other taxpayers/billpayers have, in the past, and will , in the future, continue to pay for the people who do not pay their own way

Correct, and I'm sorry to have sounded rude. Your common sense and integrity pretty much came through in your original post. I wasn't attacking you, just pointing out how difficult and indefensible the traditional care-and-insurance mess in this country had become. Obamacare is far from the final and correct solution, and I defend it only because it is a step more or less in the right direction. Hopefully there are more sensible steps to come (and you can put "sensible" either with "more" or with "steps" :P ).
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: samhill On: Wed Apr 02, 2014 8:17 am

I don't know but this years State of the Clinic speech wasn't all gloom & doom. He did fail to mention his over 2&1/2 million salary & the dozen or so others all making over a million, not saying it isn't deserved or even out of line with other hospitals but perhaps simply out of line & a place where cuts could be made other than staff.
http://www.cleveland.com/healthfit/inde ... ow_ab.html
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: franco b On: Wed Apr 02, 2014 10:23 am

He deserves a living wage too. His living is just more expensive.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: KLook On: Wed Apr 02, 2014 10:47 pm

Sam, i installed $24000 worth of stereo cabinets in a home for a guy to put his stereo in. His speakers are $50,000 and the granite slabs the amps sit on are $3000 each. I could not tell you how much the rest of it costs.....bunches. Unlike you, I am not the least bit angry that this man can afford this luxury. He spends money.....He earns money. Get off your high horse, you are a broken record.

Kevin

Pun intended as this guy has thousands of vinyl records and real vacuum tube amps.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: lsayre On: Thu Apr 03, 2014 5:41 am

samhill wrote:The way I read the article a CEO somehow knows what everyone in the country now pays compared to what they did ... .


With the resources and outreach that he has within the community network of hospitals and doctors across the country he is extremely well situated to make such a claim with a level of reliability that goes well beyond the norm.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: CapeCoaler On: Thu Apr 03, 2014 6:31 am

Head hurts...
world upside down...
nice man cave...
Amp slabs...
Vibration or cooling...
The insurance aspect of modern medicine needed a reset...
The medical end for the most part is the best in the world...
There is no free lunch...
somehow the free care had to be covered...
The $30 asprin is just a means to that end...
The ACA is another attempt to do the same thing...
Reality needs to come into play here...
Nobody rides for free...
Compassion and charity yes...
But common sense HAS to factor into this...
Or the system will break...
Badly...
CapeCoaler
 
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: samhill On: Thu Apr 03, 2014 7:50 am

Once again a brain surgeon that can't post a picture right side up (which I would probably do as well)tells me that I am on a high horse & angry about what someone makes or spends. The whole point is that the CEO somehow (for Isayre) can get past personal privacy & know what the majority of people even one's that don't use his Clinic make & pay for health insurance. The man was talking about cutting costs & services even while making record profits but at the same time bumping his up. So you have to wonder what he's crying about, for the record everyone that uses Cleveland Clinic or most other hospitals with or without HI pays more thru tax re-imbursements & or Ins. premiums to pay those salaries.
That being said I will once again thank everyone for paying for my CT scam & bone density test that I'm going to get at the VA today. I pay for my own HI but they refuse to pay for things done at the VA (because they can) so the taxpayer ends up paying, ain't life grand!
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: Black_And_Blue On: Thu Apr 03, 2014 8:18 am

samhill wrote:Once again a brain surgeon that can't post a picture right side up... <snip>.. thank everyone for paying for my CT scam & bone density test that I'm going to get at the VA today. I pay for my own HI but they refuse to pay for things done at the VA (because they can) so the taxpayer ends up paying, ain't life grand!
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: samhill On: Thu Apr 03, 2014 8:37 am

B & B, IMO it is a CT scam, I have asbestosis which they can't do much about but I am supposed to get one yearly. When my health insurer/ hospital owner was doing them it was yearly & a must do. It costs me my deductible every year to find out what I didn't want to know & they couldn't treat anyway, if I was being bothered by it that's one thing but I get along just fine not knowing, it's just a money maker for them. The insurance side pays an overpriced bill so they can transfer profits over to the non-profit hospital side, years ago we caught them charging for procedures that simply weren't done. Always read the statements you are supposed to get of what was done & paid for, it can become very interesting. ;)
samhill
 
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: rberq On: Thu Apr 03, 2014 12:47 pm

samhill wrote:IMO it is a CT scam, I have asbestosis which they can't do much about ... It costs me my deductible every year to find out what I didn't want to know & they couldn't treat anyway

CT scan = more radiation, which is not always benign. And if they can't do anything about it anyway ....

A smart feller once said to me, "If what you do is not going to be affected by the result of a test, then why do the test?" I just had the same conversation yesterday with my wife and a veterinarian about the need for a pathologist to examine (for $140) a small growth removed from the dog's butt. I lost but only because I didn't want to make a scene. :(
rberq
 
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