Local news on Obamacare from the CEO of the Cleveland Clinic

Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: lsayre On: Mon Mar 31, 2014 8:43 pm

75% of those who have signed up for Obamacare now have higher premiums than they did before. What happened to the average family saving $2,800 annually?

http://cleveland.cbslocal.com/2014/03/3 ... -premiums/
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: jpete On: Mon Mar 31, 2014 9:39 pm

Being that my employer medical is priced so I can't afford too have my wife on my coverage, I decided to see what Barry had to offer.

Spent an hour on the phone and three hours online and here's the bottom(cheapest) line.

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. And this is after all the tax credits.

You make the call.....
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: tjnamtiw On: Mon Mar 31, 2014 10:04 pm

That's what infuriates me when I here these stooges that keep saying how much better ObamaCare is than your old insurance plan. And they say that the insurance companies were really screwing you before but they fail to say that it's still the insurance companies that are screwing you! They just have to play by the Fed's rules, which makes them cover EVERYONE and costs more to do that. They also NEVER talk about deductibles that must be satisfied before you get a dime. They just talk about the premiums and assume everyone is going to get subsidies (paid for by you and me!). If you are over 200% of the poverty level, you won't get a penny and you'll be paying $500 plus a month for ABSOLUTELY NOTHING!
It is funny how I haven't seen an Obama sticker on a car in years. I wonder why. Buyer remorse or self protection? In any event, this whole thing is a nightmare and don't count on getting the subsidies that they have promised. I read where that is all up in the air because they won't be pulling in enough money to fund them. It ain't over!
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: Ed.A On: Tue Apr 01, 2014 5:51 am

tjnamtiw wrote:It is funny how I haven't seen an Obama sticker on a car in years.


Come visit Ct, Ma. Vt. or RI...there are still plenty around, sadly. Other than that, your post was spot on.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: Hambden Bob On: Tue Apr 01, 2014 6:23 am

Slow Learner's ! This is and will become an even larger,boiling mess. I mean a down to the Foundation' Footer deep mess. Stand by for an ever changing Health Care Landscape where Our Best and Brightest Retreat from entering the Health Care Field due to it. I also think about those exiting it...... :bang:
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: Sunny Boy On: Tue Apr 01, 2014 7:08 am

A neighbor of the girl friend is a doctor teaching medicine at a college in California. She keeps the old family across the street from the girl friend's house and comes back spend summer vacation there.

I was talking with her last summer. She eventually turned the conversation to obummercare.

Said she is very worried about the future of medicine in the USA because enrolments for becoming doctors are way down.

What I get to see and hear about almost daily is, . . . and I'm not sure if it's part of the impact from implementing parts of obummercare, but the girl friend is an RN supervisor in a nursing home. Been doing that type job for 30 years now.

The past few years, she's seen big cut backs in government payments that have closed many small nursing homes here in NYS. A small one here in town just closed a few months ago and the building is currently up for sale. What that means is no more nursing homes in small communities near family. The residents are getting sent to the big nursing home mills in the cities, like Syracuse, Utica, Albany, etc. Many of those families now have to travel an hour each way to visit.

Added to that, it's a loss of jobs and revenue locally.

And also because of those cut backs, the quality of care is way down in those big nursing homes too. There is less money for everyday care, and the nursing homes have had to switch some of their personnel and resources over to rehab work, which pays much higher, just to keep the doors open.

This is very likely tied to obummercare changes being phased in. Nursing homes are required to have weekly doctor visits for the patients. Their present doc has to come all the way from Corning and has to stay over night in the area to make rounds. He's quitting geriatrics in a few months. They can't get another doctor because there are fewer doctors, and even fewer going into the geriatrics field. Without a doctor to make calls, by state and federal laws they'll be forced to close that nursing home down, even if they can afford to stay open.

All brought on by government regulations, that get more complex and costly every year.

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

PostBy: Flyer5 On: Tue Apr 01, 2014 8:13 am

If something works and makes sense and need that to stop, just involve the government. Its guaranteed to get screwed up.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: stovepipemike On: Tue Apr 01, 2014 8:48 am

As an aside, in speaking recently with the Dr.[specialist type] he told me that many of his friends are leaving private practice ,closing their offices and going into research or working as a hospitalist. They [hospitalists]get to walk out the door, leave the billing paperwork and collections to someone else and collect a paycheck sure and steady at the contracted rate. He said a lot has to do with the govt cutting back on payments and the new rolls and rolls of red tape. Mike
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: rberq On: Tue Apr 01, 2014 8:51 am

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

PostBy: samhill On: Tue Apr 01, 2014 9:24 am

The way I read the article a CEO somehow knows what everyone in the country now pays compared to what they did, oddly enough he never mentions just what his fellow big wigs & himself make. That aside he says that hospitals will get paid less for some thing from the Gov. & that Ins. providers are going to pay less but charge more :shock: how could that be? I know my large group coverage did go up (most modest increase in many years)but I gain dentist & eye care, surprise surprise, perhaps many had crap Ins. before & were just lucky they didn't need it. Or then again perhaps many are stretching the facts & #s quite a bit just like the commercials that were airing that were lies, who knows I can only say what mine is but I guess maybe some will have to drop the price of a in hospital to 10$ instead of $30. Sounds like a lot of sour grapes on the CEOs part, the orthopedic group we go to aren't too concerned.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: tjnamtiw On: Tue Apr 01, 2014 9:51 am

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.


You, like most, just don't get it! If you spend some time on Healthcare.gov (if it's not down!) and look at where subsidies kick in, you'll learn that the total FAMILY salary has to be at less than 200% of the poverty level. That's around $30,000. To get enough subsidy to reduce the premium down to $140 a month, your total income has to be a LOT less than that. So, when you realize that you're paying $140 a month (perhaps 10% of your before tax FAMILY income) and getting nothing for it, it may make you sick! Then if you go to the doctor, you realize that you're going to have to pay ALL of the charges for the visit, medicine, possible blood work and xrays until you, yourself, get to $5800, which could very well be 1/3 of your total family income before taxes! That's not considering that your wife will be going to the doctor and have to pay ALL of the charges! This is just totally ridiculous to ask lower income families to endure this. Most people have not awakened to the reality yet. They say 'Wow, I got this subsidy and my insurance is so cheap'. Well, wait until they get sick and find out everything is coming out of their pockets! God forbid that they have to get a specialist or go in the hospital because that scenario is even worse. DemoCare is just a plain disaster waiting to destroy our economy and further divide rich from poor, Obama's ultimate aim, which comes from Saul Alinsky's Rules for Radicals philosophy to destroy Democracy.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: tjnamtiw On: Tue Apr 01, 2014 9:56 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, oddly enough he never mentions just what his fellow big wigs & himself make. That aside he says that hospitals will get paid less for some thing from the Gov. & that Ins. providers are going to pay less but charge more :shock: how could that be? I know my large group coverage did go up (most modest increase in many years)but I gain dentist & eye care, surprise surprise, perhaps many had crap Ins. before & were just lucky they didn't need it. Or then again perhaps many are stretching the facts & #s quite a bit just like the commercials that were airing that were lies, who knows I can only say what mine is but I guess maybe some will have to drop the price of a in hospital to 10$ instead of $30. Sounds like a lot of sour grapes on the CEOs part, the orthopedic group we go to aren't too concerned.


If you have 'large group coverage' with your company, your company is self-insured and not bound in any way to DemoCare so your information is irrelevant to the subject being discussed, plain and simple. And a hospital emergency visit for those of us in the real world is $300 to $500, not $10. Step aside or talk about DemoCare/ObamaCare.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: samhill On: Tue Apr 01, 2014 10:09 am

Tj, I never mentioned an ER visit at $10, I'll take your word about possibly some self insured H.C. but I never heard of it for health ins., I have UPMC which is a large carrier & not owned in any way by USS to my knowledge. So I won't step aside as I was talking about the ACA but didn't know I had to have prior approval to express my views. ;)
Reading my post I saw that I forgot the word aspirin, my mistake but it sure doesn't say ER visit.
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: tjnamtiw On: Tue Apr 01, 2014 10:26 am

samhill wrote:Tj, I never mentioned an ER visit at $10, I'll take your word about possibly some self insured H.C. but I never heard of it for health ins., I have UPMC which is a large carrier & not owned in any way by USS to my knowledge. So I won't step aside as I was talking about the ACA but didn't know I had to have prior approval to express my views. ;)
Reading my post I saw that I forgot the word aspirin, my mistake but it sure doesn't say ER visit.


While it was kind of broken English, you said "price of a in hospital to 10$ instead of $30". As for self-insured, my company used a major insurance company as well, but ONLY to process the claims and lend expert advice on what was and was not covered. They paid them for that service but they also paid all of the claims. I would imagine that UPMC is doing the same thing for your company. That's pretty standard for big companies.
Again, I would suggest some serious investigating of the Obama site playing with hypothetical salaries and family sizes in a few states, especially the one from the OP, before dissing him about his situation. You'll find, if you're open minded, that things are not as rosy as your side of the aisle thinks they are. :)
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Re: Local news on Obamacare from the CEO of the Cleveland Clinic

PostBy: samhill On: Tue Apr 01, 2014 10:42 am

As I said, I can only speak of my own experience I have never visited the ACA site but probably will next year when the Ins. I'm on offers a renewal, the bottom line is I liked my ins. (even if I think it's too high)so I kept it. Just to give you another example of how the drug & ins. providers rake everyone, my wife is diabetic & takes a daily shot (not insulin) of something that helps, it comes in a little pen that you dial to load a dose, so we get that & pay the deductible & then also have to have another script for the needles so another deductible. The medicine can't be used without the needles nor the needles without the pen so I would think it would make sense to supply both but it won't make the drug & ins. co. more money.
Please excuse any type-o's. :oops:
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