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Healthcare Bill Part III; Obamacare
Topic Started: Mar 3 2014, 02:20 PM (48,677 Views)
Baldo
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LTC8K6
Apr 21 2014, 07:32 PM
http://twitchy.com/2014/04/19/people-really-need-this-much-hand-holding-government-reminds-citizens-to-pay-their-premiums/

‘People really need this much hand-holding?’: Government reminds citizens to pay their premiums
This means people are not paying their premiums.

What's next? The Feds pay it for them?
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kbp

http://www.forbes.com/sites/michaelcannon/2014/04/18/obama-brags-about-obamacare-enrollment-as-if-he-invented-the-handout/

...“A government that robs Peter to pay Paul can always depend on the support of Paul.”


Good read, not too long.
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Baldo
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Insurer Admits Nearly 1,000 Doctors Wrongly Placed On Covered California List

SAN FRANCISCO (KPIX 5) — Two months after KPIX 5 ConsumerWatch first reported about some doctors listed on the Covered California exchange were actually not accepting the plans, insurer Anthem Blue Cross admitted that nearly 1,000 doctors were erroneously listed.

According to a statement by the California Medical Association, the insurer recently notified 965 physicians that they were wrongly placed on the exchange’s list. The notice, which was posted on April 9th, stated that the doctors were “inadvertently” listed for “a certain period of time” during the open enrollment period.

The CMA said Anthem Blue Cross acknowledged the error after receiving a number of complaints from physicians who believed they were listed inaccurately as participating.

Guda Venkatesh, a Covered California enrollee, was one of those affected. He told KPIX 5 in February that he chose an Anthem plan because the website said the plan had a variety of Stanford doctors near him.

“Except when I started going through the doctors, each one and calling them up, none of them actually accepted the Covered California plan,” Venkatesh said.

“The premise of Covered California is that you’re able to compare plans and see which one is best for you. But if they are presenting that they have all these doctors in network but they don’t, then it doesn’t work,” he said in Febuary.

Anthem said the affected physicians were paid at 100 percent of Prudent Buyer PPO rates for services between January 1st and March 31st. Claims for dates of service on or after April 1st will be reimbursed as out-of-network, according to the insurer....snipped

http://sanfrancisco.cbslocal.com/2014/04/21/insurer-admits-nearly-1000-doctors-wrongly-placed-on-covered-california-list/


Wink Wink
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kbp

Quote:
 
http://www.foxnews.com/politics/2014/04/21/congressional-budget-office-projections-on-obamacare-raise-questions-about/

Congressional Budget Office projections on ObamaCare raise questions about future enrollment

President Obama and other officials like to point to projections by the Congressional Budget Office to show that ObamaCare "is working," as the president put it.

He said 8 million have enrolled in the federal exchanges, but the CBO said in a recent report only 6 million are newly insured and some say even fewer than that did not have prior insurance.

"Twenty to 33 percent are actually newly insured and out of 8 million, that would be no more than 2 to 3 million people," said David Hogberg of National Center for Public Policy Research in Washington.

That is why the CBO showed that at the end of this year, there will still be 42 million uninsured and 31 million without insurance ten years from now.

Not only that, but starting in 2018, the CBO report projected the total getting coverage from the exchange will hit 25 million, although at the same time 12 million will lose coverage.

Scott Gottlieb of the American Enterprise Institute said, "So net, you're left with 13 million people who end up on private coverage over the next decade as a result of ObamaCare, and this is according to the Congressional Budget Office's own estimates."

He also said that since more than 5 million have already lost their existing coverage, the 12 million losing their coverage in the future is likely to be a much higher number.

"So I'm hard pressed to believe that over the next decade," Gottlieb said, "there's only going to be 12 million people moved out of private market coverage or the small group or individual market into ObamaCare."

In the meantime, the administration still insists it does not know how many people have actually paid their first premiums, which makes them officially enrolled. Analysts, however, have said all they have to do is ask.

"Every insurance company knows exactly how many people it has insured who have paid their premiums by the first of every month," said Robert Laszewski of Health Policy and Strategy Associates.

"All the administration has to do is go to the insurance companies that are participating in ObamaCare."

In fact, Georgia's insurance commissioner recently announced that of 220,000 applications, only 107,000 have actually paid -- a rate of less than 50 percent -- and almost all were offered subsidies.

Ralph Hudgens, the insurance commissioner, said the number who applied is well short of the 650,000 who were eligible for subsidies.

Most insurance companies have said 15 to 20 percent were not paying, so Georgia's experience could be a troubling sign.

I did not notice that! I need to check it again.
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Concerned
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Calif. tax preparers paid bounty for every Obamacare sign-up

http://dailycaller.com/2014/04/21/tax-preparing-companies-getting-paid-by-government-to-sign-people-up-for-obamacare/

Tax-preparing companies are getting paid by an Obamacare exchange to enroll people in Obamacare plans, The Daily Caller has learned.

At least 79 tax service providers, including offices of major companies like Liberty Tax Service and Jackson Hewitt Tax Service, are listed as certified Obamacare enrollment entities in the state of California, according to state exchange records.

California’s Obamacare exchange, Covered California, pays enrollment entities for signing people up for Obamacare.

“Certified Enrollment Entities are paid a flat-fee of $58 per successful application and $25 per successful annual renewal,” according to California Health Benefit Advisers. ”The Enrollment Entities compensate the individual Enrollment Counselors.”

-snip-
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kbp

CBO Report of April 2014...
 
Coverage Through the Exchanges. CBO and JCT estimate that, over the course of calendar year 2014, an average of 6 million people will be covered by insurance obtained through the exchanges. The total number who will have such coverage at some points during the year is expected to be more than the average because some people will be covered for only part of the year.

Coverage through the exchanges will vary over the course of 2014 not only because of the increase during open enrollment in the first few months of the year but also because people who experience qualifying life events, such as the loss of employment-based insurance or the birth of a child, will be allowed to purchase coverage later in the year, and because some people will drop their exchange-based coverage as they become eligible for employment-based insurance. The estimate of 6 million people does not include people who enrolled through the exchanges but failed to pay their initial premiums, because they will not be covered; it also does not include people in any part of the year for which they lose coverage because of nonpayment of premiums.

Thus, CBO and JCT’s estimate of 6 million people receiving such coverage in 2014 cannot be compared directly with the number of people who have enrolled through the exchanges as of any given date.6 The number of people who will have coverage through the exchanges in 2014 will not be known precisely until after the year has ended.

CBO and JCT anticipate that coverage through the exchanges will increase substantially over time as more people respond to subsidies and to penalties for failure to obtain coverage. Coverage through the exchanges is pro- jected to increase to an average of 13 million people in 2015, 24 million in 2016, and 25 million in each year between 2017 and 2024. Roughly three-quarters of those enrollees are expected to receive exchange subsidies.

I believe the Fox News piece I just posted may have some errors. I was aware of and had posted the fact the CBO's head count was 6 million while Barry was claiming 7.5 million (when CBO report came out).
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kbp

http://www.washingtontimes.com/news/2014/apr/21/38-senators-put-aside-differences-for-lawsuit-chal/?page=all#pagebreak

38 Republicans put aside differences for lawsuit challenging legality of Obamacare

Thirty-eight Republican lawmakers, including such unlikely bedfellows as John McCain of Arizona and Ted Cruz of Texas, have joined to support a lawsuit challenging the legality of the Affordable Care Act and accusing the president of repeatedly ignoring the law he signed for political reasons

The lawmakers have signed onto a legal brief in support of a lawsuit filed by Sen. Ron Johnson, the Wisconsin Republican who is asking a federal court to overturn Obamacare’s special treatment for members of Congress and their staffs.

“The unlawful executive action at issue in this case is not an isolated incident,” the brief states. “Rather, it is part of an ongoing campaign by the executive branch to rewrite the Affordable Care Act on a wholesale basis.”

The brief contends that, if left unchecked, the administration’s campaign “threatens to subvert the most basic precept of our system of government.”

“The president of the United States is constitutionally obligated to take care that the law be faithfully executed; he does not have the power to modify or ignore laws that have been duly enacted by Congress and that he believes are constitutional,” the friend-of-the-court brief states.

Mr. Johnson’s lawsuit is challenging the health care act on the basis of federal subsidies granted to lawmakers and their aides, many of whom earn too high a salary to qualify otherwise. Members of Congress are paid $175,000 annually.

The lawsuit also argues that the Affordable Care Act has caused the senator harm because the plan is forcing him to do something he thinks is illegal.

The amicus brief offers several examples in which Mr. Obama used “non-existent authority” to rewrite the Affordable Care Act, including

  • the revision of the individual mandate,
  • the suspension and revision of the employer mandate,
  • the revision and suspension of the law regulating insurance plans,
  • the unauthorized expansion of federal subsidies, and
  • the suspension of the Medicaid maintenance-of-effort provision.
snip

The rule issued in October by OPM allowed the federal government to contribute to pay the costs of health care benefits for members of Congress and their staffs — just as it does for other federal employees — even though they would be buying health insurance on a marketplace.

snip
Edited by kbp, Apr 22 2014, 09:17 AM.
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Baldo
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Video: Obamacare Failing To Gain Support, Polling Shows

The Washington Free Beacon’s Ellison Barber discussed the newest Obamacare poll numbers, which show growing uncertainty among the American public in the President’s signature health care law.

A new Fox News poll found that 56 percent of Americans oppose the healthcare law, while a mere 39 percent favor it. Additionally, the poll reported that Americans enrolled in Obamacare are unsure of whether or not they will actually pay their premiums.

These new poll numbers are “not at all” surprising, Barber observed. She cited past polls that have demonstrated Americans’ repeated disapproval of the healthcare law. “It [the healthcare law] has never been well liked, but what we’ve seen this year is that not only is that not changing, but it seems to be getting more unfavorable to the majority of people,” Barber said.

Fox News’ Jon Scott pointed to a new poll statistic: 51 percent of Americans think that in 20 years from now, Obamacare will be viewed as the President’ worst accomplishment. Barber explained that it is no surprise that Americans are disappointed in Obamacare, given the error filled rollout and the fact that so much information about the healthcare program, including how many Americans have paid for their health insurance, is missing....snipped

http://freebeacon.com/issues/ellison-barber-obamacare-failing-to-gain-support-polling-shows/


"...51 percent of Americans think that in 20 years from now, Obamacare will be viewed as the President’ worst accomplishment.."


From the pen of "...the smartest president ever.."
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LTC8K6
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Assistant to The Devil Himself
Quote:
 
“Certified Enrollment Entities are paid a flat-fee of $58 per successful application and $25 per successful annual renewal,” according to California Health Benefit Advisers. ”The Enrollment Entities compensate the individual Enrollment Counselors.”


Well, there wouldn't be any annual renewals of Obamacare plans for a long while yet.

A successful application doesn't mean anything, really. Except to those who want to count them as Obamacare successes.

How come they can track that well enough to pay out renewal fees a year later, but can't get a website to work properly?

Let's see...

I charge $50 to do your basic taxes.

Obama will pay me $58 if I get you to sign this form, and $25 if you renew.

...

"Hey, If you sign this form, I will only charge you $25 to do your taxes, and you will have a great healthcare plan."
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kbp

LTC8K6
Apr 22 2014, 03:54 PM
...How come they can track that well enough to pay out renewal fees a year later, but can't get a website to work properly?
There is not any big complaints about the website in California.
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LTC8K6
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Assistant to The Devil Himself
kbp
Apr 22 2014, 07:05 PM
LTC8K6
Apr 22 2014, 03:54 PM
...How come they can track that well enough to pay out renewal fees a year later, but can't get a website to work properly?
There is not any big complaints about the website in California.
That we know of...

I think putting 1,000 doctors on there, that shouldn't be on there, to get you to sign up, is pretty bad...
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Baldo
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Tim Knight in 1992 founded Prophet, a wholly-owned online software company that was acquired by Investools in January 2005; he served as Senior Vice President of Technology for Investools from 2005 through 2010. His book, Chart Your Way to Profits, published by John Wiley, offers a solid introduction to both technical analysis and the ProphetCharts product.

Uncovered California
Tim Knight

I've shared my gripes about Covered California before, such as here and here. I've got more to add.

I'm self-employed, so I get insurance through the so-called Covered California system of health insurance. California is one of the many states that decided, in its infinite wisdom, to not hang off the federal government's healthcare.gov site, but instead spend $100 million of its own to re-invent the wheel.

So instead of one wholly integrated federal health care system, we have something like 30 disparate systems, all of them expensive, and none of them perfect. Indeed, "not perfect" is an absurd understatement, roughly equal to Oprah being "not petite." Allow me to offer my own personal example.

When I initially signed up for the service in December, I decided to be cheap and buy the Bronze level of service, since my medical needs are approximately zero. The signup went decently well (although it was clear the web site was sorta kinda broken), and I was on my way. Healthnet was the private insurance carrier that provided my lame-ass Bronze coverage, and that was that.

A couple of weeks later, I decided Bronze was a pretty pathetic level, and that Silver would be a more appropriate product for me. Now, in a just and sane universe, I would have signed on to the web site, clicked the Upgrade button, agreed to the higher premium, and we would all go on with our lives. Ho ho ho! Nope. Not even close.

I debated whether or not to share with you all I went through to execute this ostensibly simple procedure, but honestly, even with the most riveting writing, I would lose all of you along the way. There were many steps, many phone conversations, and many dozens of hours expended on this ridiculous act. There were false starts, dead ends, and wrong turns. If there is a Hell, they surely will model it on my experience upgrading from Bronze to Silver.

But that was weeks ago. I'm not going to go back down that path, because, at long last, I finally got the upgrade done, and I was on my way. So what am I griping about now?

It's good that you ask, because I just happen to be typing right now, and I'd be glad to respond.

On Friday, my doctor's office contacted me to tell me they weren't getting paid, because my insurance had been cancelled. Umm..........what? Given what screw-ups both Covered California and Healthnet are, I wasn't shocked, but after spending so much time and energy finally getting upgraded, it made me sick to think I'd have to venture back into The Land That Competency Forgot to deal with this.

But, sure enough, I logged onto Healthnet and was greeting with the following:

Posted Image

For my convenience. For. My. Convenience. You douchenozzles! The last thing you care about in the world is my convenience!

So then I called them, and I felt kind of honored, in a way, because as luck would have it, I managed to reach the winner of the World's Most Dim-Witted Person contest to help me. What a treat! So after speaking with her at great length (because, let's face it, my time has no value), it was determined that..........my premiums were promptly paid, yes. I hadn't done anything wrong, yes. But, according to Ms. Dim, Covered California had cancelled the policy on April 3 for no reason, and that Covered California was in the process of fixing this, and it would be all just dandy in a week or ten days.

See, the beauty of the State and a Private Company partnering like this is they can always blame one another. There's nothing easier than extending one's index finger Over There to indicate whose fault it is. I've noticed they do this a lot. And so they did it a again.

Although I could have just left it at that, I'm not naive enough to think that everything was going to work itself out, so I called Covered California (which is akin to the proverbial jumping out of the frying pan and into the fire, because let's remember, at least Healthnet is a private company). So, after a lot of waiting, I reached a human at CoveredCA and told her the situation.'

She carefully examined my records and said, nope, they didn't cancel me, and there was nothing untoward about my account at all. She had no idea what Healthnet was talking about.

Well, OK, fine. But while I had her on the phone, I explained to her that I'd like to be able to log in to my own CoveredCA account from time to time, and my username and password weren't working.

She explained to me that the username/password I had wouldn't work, but that I should create a new account, just like I did the first time, and enter a special Case Number when prompted in order to "link" to my information. OK, fine. So she told me the access code, letter by letting, emphasizing which letters were uppercase and which were lowercase. I carefully repeated it back to make sure I had it right, because getting a human on the phone is time-consuming enough.

Later on, I went to the web site, and I dutifully started to create a new account. I saw the field she mentioned, which gave me a sense of relief, because that's where I was supposed to enter my code:

I carefully entered the code and clicked the Submit button. It waited a moment, and then up came a dialog box saying that the code wasn't valid. Although I knew I entered the code carefully, I tried once again, this time, triple-checking each letter. I clicked Submit. Same deal. I tried a third time. No change.

Thus, I called them yet again. After a long while, I got another human, and I explained the situation. She said to me, and I'm not making this up: "Oh, yes, that's the correct Access Code. But those don't actually work."

It soon became evident that the entire Access Code schtick was just a sorry waste of time. It didn't work at all. And when I expressed astonishment that their $100 million site had this error, she laughed, "Oh, that's nothing! That's one of the small problems! You wouldn't believe how many glitches there are."

NEWS FLASH: I had thrown out the figure "$100 million" a couple of times, I realize. This was just a dumb guess. I took the time to actually find out what it cost, and I'm sorry I didn't do better research for my readers. Turns out the costs were $489 million. Sorry 'bout dat.

In any case, I am a healthy, relatively young person, and the preceding has been a taste of my experience. I can't imagine what someone with real health needs would go through. But I'll close by saying this: I realize I piss and moan and bitch about people who work for Goldman Sachs, or JP Morgan, or wherever else. But you know what...........they're supposed to make lots of money, and it just so happens they're very good at it. Getting hired at a place like Goldman Sachs is a very big deal, and although these people are no saints............they are good at what they do. They have to be, because private enterprise doesn't tolerate otherwise.

When you're dealing with state bureaucrats, however, it's an entirely different universe. You are dealing with some of the dumbest folks on the planet, fiercely protected by entrenched unions, and utterly devoid of incentive to do anything but punch a clock and get through their day.

The old saw, cited for years to avoid national health, about government-based health care having "the efficiency of the post office and the sensitivity of the IRS" was far too optimistic. I'm here to tell you.............it sucks out loud. So, for your own sake, don't ever get sick.

http://www.zerohedge.com/contributed/2014-04-21/uncovered-california


He is a successful software developer. If it is difficult for him what do you expect with the average Joe.

MY personal experience with a tech savvy 30 something was much the same. I don't believe anything that the Obama Machine & Covered California PR team says.

Edited by Baldo, Apr 22 2014, 09:38 PM.
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kbp

LTC8K6
Apr 22 2014, 08:58 PM
kbp
Apr 22 2014, 07:05 PM
LTC8K6
Apr 22 2014, 03:54 PM
...How come they can track that well enough to pay out renewal fees a year later, but can't get a website to work properly?
There is not any big complaints about the website in California.
That we know of...

I think putting 1,000 doctors on there, that shouldn't be on there, to get you to sign up, is pretty bad...
California is one of the few state exchanges that we've been able to use for some data in an effort to project what the national market is doing. The 1,000 doctors was a network problem for only one insurer. Of course part of that data has been a result of quite a few bad steps in the process of recruiting! Who signed up and did pay a premium is an educated guess at best for now. The notifications for premium changes should tell us a clearer story (we should know late May or early June).
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kbp

...national health, about government-based health care having "the efficiency of the post office and the sensitivity of the IRS" was far too optimistic.


:laughin:
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kbp

Quote:
 
http://www.cato.org/publications/commentary/shocking-secret-behind-obamacare-enrollment-numbers

The Shocking Secret Behind Obamacare Enrollment Numbers

[...]

The D.C. Circuit likely will issue a ruling sometime in the coming months, as will the 4th Circuit, which will hear oral arguments in King v. Sebelius on May 14, another challenge to the legality of the subsidies. Two similar challenges, filed by the attorneys general in Oklahoma (Pruitt v. Sebelius) and Indiana (Indiana v. IRS), await consideration in federal district courts.


The timing of the lawsuits may hold some strategy that involves 2016 election.
Edited by kbp, Apr 23 2014, 10:42 AM.
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