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Healthcare Bill Part III; Obamacare
Topic Started: Mar 3 2014, 02:20 PM (48,648 Views)
chatham
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kbp
Jul 26 2014, 02:45 AM
LTC8K6
Jul 25 2014, 05:28 PM
It is stacks of lies changed with more lies and it only helps 10% of population at best in year$ to come
Of course Chief Justice Roberts knew all this before declaring it the law.
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Baldo
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ObamaFraud: GAO Study Finds Almost All Fake Applicants Are Approved For Subsidized ObamaCare

Submitted by Michael Krieger of Liberty Blitzrieg

ObamaFraud: GAO Study Finds Almost All Fake Applicants are Approved for Subsidized ObamaCare

Although it hasn’t been a focus for a while, the incompetent disaster that has been the ObamaCare rollout has been well documented on this site. Here are just a few posts on the subject:

The Obama Administration is Forcing Insurance Companies to Keep Quiet About ObamaCare Problems

Woman Touted as Obamacare Success Story is Now Kicked Off Obamacare

Humana Warns of “‘Adverse ObamaCare Enrollment Mix”

Computer Security Expert Claims he Hacked the ObamaCare Website in 4 Minutes

Serfs Up – Average Healthcare Premiums Have Soared 39%-56% Post Obamacare

Well the hits just keep on coming. The U.S. Government Accountability Office (GAO), recently conducted a study in which investigators attempted to use fake identities to sign up for subsidized healthcare under ObamaCare. The results are frightening. All but one phony applicant was successful. Moreover, the GAO more broadly notes that “about 2.6 million ‘inconsistencies’ existed among applicants who had chosen a health plan.”

The Washington Post reports that:

In undercover tests of the new federal health insurance marketplace, government investigators have been able to procure health plans and federal subsidies for fake applicants with fictitious documents, according to findings that will be disclosed to lawmakers Wednesday.

The results of the inquiry by the Government Accountability Office are evidence of still-imperfect work by specialists intended to assist new insurance customers as well as government contractors hired to verify that coverage and subsidies are legitimate. The GAO also pointed to flaws that linger in the marketplace’s Web site, HealthCare.gov.

According to testimony to be delivered before a House Ways and Means subcommittee, undercover GAO investigators tried to obtain health plans for a dozen fictitious applicants online or by phone, using invalid or missing Social Security numbers or inaccurate citizenship information.

All but one of the fake applicants ended up getting subsidized coverage — and have kept it. In one instance, an application was denied but then approved on a second try. In six other attempts to sign up fake applicants via in-person assisters, just one assister accurately told an investigator that the applicant’s income was too high for a subsidy.

The GAO’s account of fictitious applicants obtaining subsidized coverage goes beyond a related problem that surfaced this spring and that the investigators also cited: The government may be paying incorrect insurance subsidies to a significant share of the 5.4 million Americans who signed up for health plans for this year through the federal marketplace.

The GAO testimony contains updates on that problem, saying that, as of mid-July, about 2.6 million “inconsistencies” existed among applicants who had chosen a health plan and that 650,000 of them had been resolved....snipped

http://www.zerohedge.com/news/2014-07-25/obamafraud-gao-study-finds-almost-all-fake-applicants-are-approved-subsidized-obamac

Edited by Baldo, Jul 26 2014, 09:12 AM.
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LTC8K6
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Assistant to The Devil Himself
http://colossus.mu.nu/archives/350763.php

Another video...

"...we're going to have 50 different exchanges..."
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Mason
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Parts unknown
.

Obamacare has already affected some of us.

Companies are scaling back coverage and scope to get lean to avoid the tax hit of the Cadillac Tax.

They passed the law in early 2009 - and the tax hits in 2018. What does that tell you?

Obama has incentivized companies to offer you less, cover less, and make you pay more!

It should be called the Chevy tax, if your company pays approx $10 grand for your coverage (employee only), the Tax hits.

.

Edited by Mason, Jul 28 2014, 01:16 AM.
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Baldo
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Valerie Jarrett Assured Insurance CEO Concerned About Losing Profits on Obamacare

July 28, 2014 4:10 pm

A House Oversight Committee report reveals that the White House actively pursued ways to protect insurance companies after they threatened to raise premiums, according to the National Review.

Senior Adviser Valerie Jarrett intervened when an insurance CEO threatened increasing premiums by up to 20 percent. She assured the CEO that certain provisions in Obamacare would prevent insurance companies from losing money.

“Chet Burrell, the President and CEO of Care First Blue Cross Blue Shield, wrote to Ms. Jarrett that insurers would likely require Risk Corridor payments on net and that budget neutrality would lead insurers ‘to increase rates substantially (i.e., as much as 20 percent or more . . .),’” the House Oversight and Government Reform report says.

“Ms. Jarrett intervened and wrote to Mr. Burrell that ‘the policy team is aggressively pursuing options.’ After the administration explained how it would implement the Risk Corridor program in April 11, 2014 guidance, Ms. Jarrett wrote to Mr. Burrell that the administration had given insurance companies 80 percent of what they sought,” the report says.

That came at a price to taxpayers. “While the Administration’s changes to the Risk Corridor provision protected the profits of insurance companies’ ObamaCare-compliant plans, it was extremely detrimental to taxpayers,” the report states. “According to the information obtained by the Committee, the industries’ expectation for the size of the taxpayer bailout has increased by more than a third since October 1, 2013.”

http://freebeacon.com/issues/valerie-jarrett-assured-health-insurance-ceos-profits-protection-from-obamacare/
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Baldo
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I notice a couple of things.

Generic Drug Prices are on the rise

1) I use only generic drugs and I have seen a 50 to 100% increase. My pharmacy said this is true for a number of customers

2) My Dr told me the lab work is being reduced in quality. They no longer do all of the analysis he believes they need to do. He blames it on Obama-care as lab are having profits squeezed and thus cutting back

3) Simple Claims that were routinely approved, ie referral visit to another Dr, are being rejected & you have to call up and complain to get them paid.

Welcome to the wonderful world of Obama-care

Bohica
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chatham
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leaves me speechless

http://www.miamiherald.com/2014/07/28/4259975/consumers-asked-to-verify-income.html
Consumers asked to verify income, other information — or risk losing government subsidies for health insurance

Read more here: http://www.miamiherald.com/2014/07/28/4259975/consumers-asked-to-verify-income.html#storylink=cpy
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kbp

Quote:
 
http://www.washingtonpost.com/blogs/wonkblog/wp/2014/08/01/suddenly-obamacare-is-more-unpopular-than-ever/

Suddenly, Obamacare is more unpopular than ever

Even after survey after survey has recently shown a major drop in the nation's uninsured rate, Obamacare just had its worst month in a key health-care poll.

Kaiser Family Foundation, which has done arguably the best and most consistent polling on the health-care law in the past four-plus years, found that public opinion on the law sank to a record low in July. More people than ever (53 percent) last month said they viewed the law unfavorably, an increase of 8 percentage points since June — one of the biggest opinion swings ever.

Posted Image

[...]

"Normally, when negatives go up, you can tie it to an event," said foundation chief executive Drew Altman in an interview. Events like a broken enrollment Web site, or people losing their health plans.

That doesn't seem to be case here, though. The poll was conducted before a federal appeals courts split on the legality subsidies in the 36 states with federal exchanges, and before House Republicans formally advanced plans to sue President Obama over his failure to enforce the law's employer coverage mandate. Yet, the poll was conducted after a string of surveys showing that the nation's uninsured rate has dropped significantly since Obamacare's coverage expansion took effect this year.

[...]

It looks like the spread started back after the political lies dropped off following the 2012 election ('if you like your doctor, you can keep him PERIOD').


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kbp

http://ziffblog.wordpress.com/2014/07/29/halbig-statutory-interpretation-and-lessons-i-learned-in-practice/
Halbig, Statutory Interpretation, and Lessons I Learned in Practice


This blogger is good, presenting quite an argument. But he misses the point of where in the law it provides the terms under which subsidies may be used (or I missed it!). The exchange has multiple purposes and multiple sections of the law granting authority to accomplish specific purposes.
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kbp

http://www.forbes.com/sites/michaelcannon/2014/07/29/why-what-jonathan-gruber-says-matters/

Oklahoma AG Cites Jonathan Gruber To Rebut Government Expert Jonathan Gruber (Pruitt v. Burwell)

In an oped for Politico, I explain why ObamaCare architect Jonathan Gruber’s 2012 admissions that “if you’re a state and you don’t set up an Exchange, that means your citizens don’t get their tax credits” matter to the ongoing litigation over the Obama administration issuing those subsidies in federal Exchanges, and why Gruber’s attempts to explain his own words away are not credible. Shortly after submitting that piece, I learned Oklahoma Attorney General Scott Pruitt found Gruber’s remarks relevant enough to ask a federal court hearing one of those cases to take notice.

Gruber’s repeated remarks contradict the Obama administration’s legal argument, made in Halbig v. Burwell and three related lawsuits, that it is implausible that Congress would have conditioned those subsidies on states establishing Exchanges. His remarks likewise contradict the amicus briefs Gruber himself filed in two of those cases. (Here’s my response to those briefs.) From my Politico piece:

  • “When the chief architect of the PPACA admits it withholds tax credits in uncooperative states, that establishes that the plaintiffs’ interpretation of the statute in Halbig was not only plausible but that it had currency among the law’s authors.

    And it is precisely because of Gruber’s intellect and profound familiarity with the PPACA that his attempts to explain away his past statements are not credible…

    Jonathan Gruber doesn’t “flake.” He knows this law in and out. He knew what his words meant, with all their implications, when he spoke them. He knew the feature he was describing essentially gave each state a veto over the PPACA’s exchange subsidies, employer mandate and to a large extent its individual mandate. He knew that could lead to adverse selection. To claim Gruber didn’t know what he was saying is as absurd as saying a conductor might fail to notice that the brass section suddenly stopped playing.

    Supporters of the Obama administration have downplayed Gruber’s comments because he is not a member of Congress. Nevertheless, he played a larger role in writing the PPACA, and knows more about it than most members of Congress. Gruber’s comments raise questions about whether this (correct) interpretation of the law was also understood by the members of Congress and administration officials Gruber advised.

    Gruber’s remarks, combined with other evidence the Obama administration knew it did not have legal authority to dispense these subsidies or impose the related taxes, call for further investigation into how the administration came to take these actions anyway.
Yesterday, the State of Oklahoma filed a motion to apprise a federal judge of Gruber’s remarks. Oklahoma attorney general Scott Pruitt was the first to challenge the Obama administration’s illegal taxes and subsidies way back in September 2012 (Pruitt v. Burwell). Solicitor general Patrick Wyrick noted Gruber’s remarks are highly relevant, because the government itself has repeatedly relied on Gruber as an expert in these cases: (oops!)

  • “Defendants themselves relied on evidence from Professor Gruber in an attempt to show the supposed “implausibility” of Congress having made something as important as the subsidies hinge on the States’ willingness to establish exchanges. Plainly, this newly-discovered evidence squarely controverts Defendants’ evidence on this point, and establishes that it is far from “implausible” that the drafters or Section 36B intended to withhold tax credits and subsidies from states who declined to set up exchanges in order to place pressure on those states to set up exchanges. To the contrary, it is not only plausible, it now appears to be demonstrably true.
The litigants in Pruitt are awaiting rulings on cross-motions for summary judgment.
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kbp


BREAKING: New document disproves Halbig, shows it was a typo

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Concerned
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I received a letter last week from my GP that she is no longer taking insurance. If I want to keep her I will pay a membership fee of $99, then $69 a month.

I can keep my doctor - but at a price.
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kbp

Concerned
Aug 4 2014, 11:44 PM
I received a letter last week from my GP that she is no longer taking insurance. If I want to keep her I will pay a membership fee of $99, then $69 a month.

I can keep my doctor - but at a price.
Lots of guessing here on my part as to what you're facing...

There is good and bad in such a structure, if the membership and monthly fee covers all costs associated to treatments you'd get from that GP. It resembles insurance coverage, but leaves you hangin' on all other treatments outside your GP's office (and med's).

Unfortunately, there is no coverage for ONLY services your GP does not provide.

There have been groups of service providers teaming up to cover all services, like a complete coverage package.

However...
Your GP's plan actually sounds more like fee she would charge her patients to participate in the various networks being structured by the insurance providers, networks that often pay a lower fee for services than what she is accustomed to. In that case, it would be like a secondary policy to cover her services.

If she has 1,000 patients (wild guess), that would provide her office just over $900,000 a year to cover the additional staff and/or other costs (some for her salary). It's possible (very likely) she's offering to provide more than the networks will pay for, so it is the patient's choice to pay for better service than their coverage will pay for.

This may actually work out to your benefit. You might be able to go with a cheaper coverage plan and pay a little more for her. It's not clear if the $989/year you'd pay covers all out-of-pocket at her office. If it does, it may be a good way to go, depending on what your deductible and co-pay amounts are.
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kbp

From Mason:
 

http://dailycaller.com/2014/08/04/doctors-begin-to-refuse-obamacare-patients/?fromt=yes
Doctors Begin To Refuse Obamacare Patients

Obamacare plans have shrunk payments to physicians so much that some doctors say they won’t be able to afford to accept Obamacare coverage, NPR reports.

Many of the eight million sign-ups in Obamacare exchanges nationwide already face more limited choices for physicians and hospitals than those in the private insurance market. But with low physician reimbursement rates, the problem could get even worse.
[I am sick of seeing all accepting the 8 million count as gospel!]

For a typical quick patient visit, Dr. Doug Gerard, a Connecticut internist, told NPR a private insurer would pay $100 while Medicare would pay around $80. But Obamacare plans are more likely to pay closer to $80, which Gerard says is unsustainable for his practice.
[The TWENTY PERCENT is a huge difference between profit and loss. While the taxpayers subsidize the care (redistribution), the doctors are also subsidizing care costs within their offices. Imagine walking in to McD's to order a $1 burger and the guy next to you only has tp pay $o.80 ...using food stamps!]

“I cannot accept a plan [in which] potentially commercial-type reimbursement rates were now going to be reimbursed at Medicare rates,” Dr. Gerard told NPR. ”You have to maintain a certain mix in private practice between the low reimbursers and the high reimbursers to be able to keep the lights on.”

Narrow networks have become a hallmark of many Obamacare exchange plans, as one of few options left to insurance companies that allows them to save money by lowering reimbursement rates and covering fewer providers. In the health-care law’s first year, 70 percent of all Obamacare plan networks were either narrow or ultra-narrow, according to an analysis from consulting firm McKinsey.

But doctors are feeling even more financial pressure due to the changes and many believe there’s a risk that Obamacare insurance will go the way of Medicaid, where patients still struggle to find a doctor after low reimbursement rates led many physicians to stop accepting it.

“I don’t think most physicians know what they’re being reimbursed,” Gerard said. “Only when they start seeing some of those rates come through will they realize how low the rates are they agreed to.”

If Obamacare coverage continues on its current track, exchange customers could face a lower level of care than those who buy coverage in the private market.

“I think it could lead potentially to this kind of distinction that there are these different tiers of quality of care,” Connecticut Obamacare chief Kevin Counihan told NPR. ”That’s been something, at least in our state, that we’re trying to work against. And the carriers are, as well.”

The problem is especially bad for private practices like Gerard’s, where physicians’ income is directly tied to reimbursements. But hospitals — especially top-tier ones that treat the most difficult diseases — are also increasingly rejecting the low reimbursement rates. The nation’s best cancer treatment centers are often covered by very few exchange plans in their states; if Obamacare customers end up with a difficult-to-treat cancer, they’re likely to face a lower quality of care right off the bat.

“You get what you pay for,” said Connecticut State Medical Society president-elect Bob Russo. “If you can’t convince [doctors] that they’re not losing money doing their job, then it’s a problem. And they haven’t been able to convince people of that.”
“You get what you pay for”

It is a fact that private coverage (outside Obamacare) is following the trend of network bargaining with the pressure the care providers are facing from all these recent changes. The end result is looking like a further spread on what level of care you'll receive.

Like Concerned noted above, you may have to pay extra to get the service you want.
Edited by kbp, Aug 5 2014, 09:09 AM.
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chatham
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I would make an appointment with your doctor and find out exactly what the cash payments mean. That way you will be better informed. There are doctors in NC who do not take insurance and charge per visit (no time limit). Their office staff is less, the in house blood work costs less, and other in house services cost less. Anything that would require special tests or doctors would have to be covered by insurance. I believe they also recommend holding on to some type of insurance policy to cover what one may call catastrophic events. Insurance that will cover surgeries for instance, or expensive tests such as an MRI.. I would also include in that prescription insurance. Not knowing what age you are it is hard to exactly determine what is best for you. If you like your doctor her change may actually be a benefit to you for better doctor /patient relationship rather than the 15 minute insurance visit.

But as a first step before anything else I would call or visit and talk to the doctor to maximize info so you can make the best decision for you.
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