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#8159079 - 10/15/13 07:31 AM Interesting Obamacare Out-Of-Network question
UtahLefty Offline
Campfire Kahuna

Registered: 03/18/06
Posts: 21739
Loc: O town UT
related story

Two of the ways insurance companies have attempted to artificially lower the premiums for the lowest (Bronze) Obamacare plans have been:

1) Set the deductibles at max ($12,700 for in-network family, $36,000 for out-of-network family or some plans I've seen don't cover out-of-network at all)

2) Shrink the in-network doctor pool dramatically - something like 10% of the MDs and 30% of the facilities within your zipcode.

here's a screenshot of a bronze plan I was quoted double my current premium:




Here's the question:

What happens when you leave your zipcode and need healthcare ?

That's going to be by definition an out-of-network incident and, depending on your plan, you'll have to either meet a $36,000 deductible before insurance kicks in, or in some cases out-of-network isn't covered at all.

brilliant, eh? kinda like a voluntary house arrest, no?


crazy

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#8159095 - 10/15/13 07:36 AM Re: Interesting Obamacare Out-Of-Network question [Re: UtahLefty]
derby_dude Offline
Campfire Oracle

Registered: 11/21/06
Posts: 30269
Loc: Montana, Lewis and Clark Count...
What amazes me is with those kind of deductibles the premiums are so high.

As to your question being out-of-state doesn't mean out-of-network under private insurance but under The Unaffordable Health Care Act who knows.
_________________________
Don't vote knothead, it only encourages them. Anonymous

"Never underestimate the power of stupid people in large groups." Anonymous

"Self-reliance, free thinking, and wealth is anathema to both the power of the State and the Church." Derby Dude



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#8159103 - 10/15/13 07:39 AM Re: Interesting Obamacare Out-Of-Network question [Re: derby_dude]
UtahLefty Offline
Campfire Kahuna

Registered: 03/18/06
Posts: 21739
Loc: O town UT
don't confuse the presence with the past DD. wink

The new "networks" are sculpted so narrowly that even two MDs in the same building can be on different "networks".

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#8159109 - 10/15/13 07:42 AM Re: Interesting Obamacare Out-Of-Network question [Re: UtahLefty]
derby_dude Offline
Campfire Oracle

Registered: 11/21/06
Posts: 30269
Loc: Montana, Lewis and Clark Count...
There's no doubt that the government health care is all about making money for the bankers and controlling the population. Reducing mobility is certainly one method of control.
_________________________
Don't vote knothead, it only encourages them. Anonymous

"Never underestimate the power of stupid people in large groups." Anonymous

"Self-reliance, free thinking, and wealth is anathema to both the power of the State and the Church." Derby Dude



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#8159111 - 10/15/13 07:42 AM Re: Interesting Obamacare Out-Of-Network question [Re: UtahLefty]
6mm250 Online   content
Campfire Outfitter

Registered: 10/04/05
Posts: 8921
Loc: new bern n.c. on the edge of t...
Originally Posted By: UtahLefty
kinda like a voluntary house arrest, no?


crazy



Gotta restrict the movements of the masses don't ya know. Can't have 'em moving about the country freely.

Mike
_________________________
They say it takes all kinds....I have my doubts

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#8159115 - 10/15/13 07:43 AM Re: Interesting Obamacare Out-Of-Network question [Re: derby_dude]
slg888 Offline
Campfire Outfitter

Registered: 01/29/09
Posts: 8865
Loc: Knoxville,TN
Originally Posted By: derby_dude
What amazes me is with those kind of deductibles the premiums are so high.
Many cannot afford those high deductibles. The government knows this and will own everything that person has at death.

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#8159128 - 10/15/13 07:48 AM Re: Interesting Obamacare Out-Of-Network question [Re: slg888]
derby_dude Offline
Campfire Oracle

Registered: 11/21/06
Posts: 30269
Loc: Montana, Lewis and Clark Count...
The premiums should still be lower than they are for those kinds of deductibles. Under Medicare I have a $2,000 deductible and my premiums are affordable. They only thing I can think of is this is a money collection scheme for the bankers.
_________________________
Don't vote knothead, it only encourages them. Anonymous

"Never underestimate the power of stupid people in large groups." Anonymous

"Self-reliance, free thinking, and wealth is anathema to both the power of the State and the Church." Derby Dude



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#8159169 - 10/15/13 08:03 AM Re: Interesting Obamacare Out-Of-Network question [Re: UtahLefty]
fish head Offline
Campfire 'Bwana

Registered: 03/13/06
Posts: 13722
Loc: Colorado front range
Instead of affordable healthcare it's unaffordable catastrophic coverage that doesn't cover much of anything or so it seems.





Are there any benefits covered for routine care that have a co-pay before you meet the deductible?
_________________________
Member of the Merry Band of Turdlike People

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#8159175 - 10/15/13 08:04 AM Re: Interesting Obamacare Out-Of-Network question [Re: fish head]
derby_dude Offline
Campfire Oracle

Registered: 11/21/06
Posts: 30269
Loc: Montana, Lewis and Clark Count...
That's why I think one of it's primary function is to collect money for the bankers.
_________________________
Don't vote knothead, it only encourages them. Anonymous

"Never underestimate the power of stupid people in large groups." Anonymous

"Self-reliance, free thinking, and wealth is anathema to both the power of the State and the Church." Derby Dude



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#8159188 - 10/15/13 08:08 AM Re: Interesting Obamacare Out-Of-Network question [Re: derby_dude]
Akbob5 Offline
Campfire Regular

Registered: 02/01/12
Posts: 1332
Loc: Between the Treasure and Magic
Lefty,

Please forgive the ignorance, but is that quote from a state plan? Assuming the national-level site is not operable?

Thanks - Bob
_________________________
Bob
Enjoy life now -- it has an expiration date.

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