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Topic Started: Mar 19 2014, 06:53 AM (929 Views)
tomdrobin
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Americans buying health insurance outside the new Obamacare exchanges are being forced to swallow premiums up to 56 percent higher than before the health law took effect because insurers have jumped the cost to cover all the added features of the new Affordable Care Act.


I wonder how much they would save if they went to the exchange?

Is this more slight of word stinky from right wing spin land?
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Sea Dog
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It is no wonder!

My friend cut his hand while cleaning fish,
his wife took him to the local small town Florida hospital,
I would have just stuck a bandaid on it,

anyway, three stitches,
the bill was thirteen hundred bucks!

How crazy is that!

Edited by Sea Dog, Mar 19 2014, 08:33 PM.
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Banandangees
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And you believe that the hospital will receive $1300 from the insurance company?
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Sea Dog
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I have no idea.
If the bill was phoney,
why bother making it out.

This stupid computer is
showing this,É, instead of the question mark.
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Pat
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My hip replacement surgery and hospital costs was billed at over $80K. I seriously doubt the hospital and surgeon received anywhere near that amount. And i never pay more than what the insurance covers, in fact this is discussed ahead of time and agreed upon. I think that when a person who did not make fee arrangements ahead of time and is without insurance, that in fact the hospital and Dr's will go after the billed amount. Whether they receive it all or a negotiated amount is dependent on a number of factors. If the patient is able to pay through cash and assets then the bill will be handled through collections if necessary.
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Banandangees
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If your friend is a US citizen, and over 65, the hospital probably received less that $400 for the care and stiches in the ER.

U.S. hospitals now receive about 31 percent of their net revenues from Medicare. Of the 31% of those net revenues that hospitals receive, approximately 88% is for inpatient services and 12% for the rest. So, the hospital probably received significantly less than $400 in actuality. They are reimbursed according to a "DRG" (designated related group). At the end of the hospital's fiscal year a "Medicare Cost Report" is filed by the hospital and it is reimbursed the lesser of costs or charges..... "The Medicare Cost Reimbursement System," that determines (by the Hospital's annual Medicare Cost Report) whether the Hospital is reimbursed additional monies or is required to pay Medicare back monies already paid.

If your friend isn't a citizen or isn't over 65, other factors decide what the hospital receives for services.... perhaps he would be under a "group driven system" (HMO, PPO, etc.) All those systems are different and what each hospital charges and receives are different.

The US system is a designed highly complicated system (as is our taxing system); and is so, because both are designed by bureaucrats who know little or nothing about healthcare delivery..... as is ObamaCare.
Edited by Banandangees, Mar 19 2014, 09:22 PM.
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Pat
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I found this article this morning and while it was claimed that premiums would drop for the average family, apparently the truth of the matter is that taxpayers will be picking up a huge amount of that cost through subsidies. How long this can go on is anybody's guess.



http://dailycaller.com/2014/03/18/report-premiums-rising-faster-than-eight-years-before-obamacare-combined/

Health insurance premiums have risen more after Obamacare than the average premium increases over the eight years before it became law, according to the private health exchange eHealthInsurance.

The individual market for health insurance has seen premiums rise by 39 percent since February 2013, eHealth reports. Without a subsidy, the average individual premium is now $274 a month. Families have been hit even harder with an average increase of 56 percent over the same period — average premiums are now $663 per family, over $426 last year.

Between 2005 and 2013, average premiums for individual plans increased 37 percent and average family premiums were upped 31 percent. So they have risen faster under Obamacare than in the previous eight years.

An important caveat is that eHealth’s prices don’t include subsidies, so the prices for anyone earning between 100 and 400 percent of the federal poverty level will be lower. The Department of Health and Human Services (HHS) has repeatedly claimed patients will pay as little as $18 per month, without noting the taxpayer cost.

Premiums are being hiked across the board for several reasons, but the biggest contributor is the Obama administration’s highly touted “essential health benefits,” services that insurers on and off exchanges must provide.

Some benefits, such as emergency and laboratory services, are uncontroversial. But others, like maternity, newborn and pediatric services, are causing headaches for huge swaths of the population that don’t need them. (article continues at link)



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Sea Dog
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I am glad that I still am a citizen of a country
where ones worth is not rated by their "net worth"!
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Berton
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Go suck a egg Sea Dog. Your insults of the US are boring.
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Berton
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tomdrobin
Mar 19 2014, 12:05 PM
Quote:
 
Americans buying health insurance outside the new Obamacare exchanges are being forced to swallow premiums up to 56 percent higher than before the health law took effect because insurers have jumped the cost to cover all the added features of the new Affordable Care Act.


I wonder how much they would save if they went to the exchange?

Is this more slight of word stinky from right wing spin land?

As much or more. They have to cover all the added features of Obamacare. Why do liberals keep thinking things are free?

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