Obama Care is a joke!
 

I went to an urgent care and they told me I need to see a specialist. I called a bunch of specialists and they all don't take my insurance and if they do I need a referral. Most of the dr.s that take my Obama Care insurance have long waiting times for an appointment and once I get a referral it's weeks or months to be seen by a specialist. I decided fuck it I'm going to pay cash to visit a dr of my choice that can see me right away. I called a dr and they told me it's illegal to pay cash and for them to accept cash from someone who already has Obama Care. They also told me I risk losing my insurance if I pay cash and it's against the law to pay for my care if I have insurance. I told them it was an urgent medical matter and they said sorry nothing we can do!

It's true that specialists will not see you without a referral. It's also true that specialists will not see you if they cannot take your insurance. It's also true that a lot of insurance policies are not allowing specialists to apply to their programs, meaning the specialist may try to take the insurance but the insurance companies shut them down, I had this happen twice within the last three months.

"The craziest thing in the World" Bill Clinton

Urgent care fucked my credit up. Copay was supposed to be $10. I wanted to pay the copay at time of visit and they wouldn't let me. Then I get a bill for +100 and called aetna. They said they would take care of the problem and don't pay the invoice.

That 100+ went into collections... fuckers. Called aetna again and they promised to make it right. Months later I am in collections for 10 dollars... double fuckers.

My insurance package is pretty good.

Two years ago, it was $300 a month, $2500 deductible. This year it's $350 a month, $5000 deductible.

I am a single guy. No clue how families are pulling this off.

Interesting. I had just the opposite experience. For starters, the only reason I have decent health insurance is because of Obamacare. I have asthma and have had it since I was a little kid so it isn't going away. That preexisting condition made it so no insurance company would offer me anything more than a catastrophic policy so I had to pay cash for pretty much everything. Since they can't disqualify you for preexisting conditions now, I was able to buy regular, better insurance.

About a year ago I had some serious health issues that required me to see a couple of different specialists and get extended physical therapy. I had to wait about 3 weeks to get into one of the specialists and about 2 weeks for the other. After that, there were no issues. I had to get referrals from my doctor, but the insurance approved all the physical therapy and follow-ups with the specialists no problem.

My problem with Obamacare is that it is expensive and does nothing to actually lower the cost of the healthcare itself so the cost is just going to continue to go up.

Blame Obama :1orglaugh ...

Several years ago I had a similar thing. I went to the doctor and at the time I was paying cash. They sent me a bill and I completely forgot to pay it. It was my fault I forgot to pay it. They sent me a letter telling me if I didn't pay by a certain day they would turn me over to collections. I paid them, but somehow they screwed up and still sent me to collections. When I got called by the collection agency I explained what was going on and they said they would contact the doctor and fix it. Well, this went on for several months as my account bounced between collection agencies. Each said they would fix it, but never did. My doctor eventually contacted the collection agency and got the bill removed, but by then the agency had reported me as late and it showed on my credit history. When I tried to get that fixed the collection agency swore they were in the right.

In the end I ended up just giving up and knew I would have a hit for $180 on my credit. When I went to buy my house I had to give a written statement to the lender explaining what had happened, but they didn't seem to hold it against me.

If you bought HMO type policy and not a PPO type policy you need to use the primary care doctors and specialist doctors that are members of the insurance carrier's network.

Call the insurer and find out the specialists in the network -- doctors in the network are usually listed on the insurers website networked by the type policy that you have as well. Assuming your PCP (primary care physician -- weird acronym :upsidedow) agrees to refer you -- suggest to him the specialist in your insurer's network you prefer.

Obamacare has nothing to do with these networks and the member doctors -- all HMO type polices are limited to approved network practitioners. If you had an employer paid group policy that was an HMO you would have similar limitations.

If you bought a local hospital sponsored insurance policy you may be restricted to that hospital's HMO clinics and doctors. You buy a ticket for their train and have to use that train's stations (more or less in analogy).

I have the lowest price PPO, equals Medicare I'm told, about $600 a month. I can go to any specialist I want however not many accept my insurance. prescriptions I once paid $20 for are now $600 a month. :thumbsup

So you didn't have $100 but have all day to post on this site?????

And before you say its not the point.. its exactly the point.

It's clearly not the point of the dollar amount. It's the insurance companies and the doctor offices not honoring copays eluding to a failing system.

Edit: I originally said to you... fuck off cunt... but have deleted it. Reason being if you didn't understand the significance of my post and failing obama care health insurance for all in the us and think the problem is 100+ then I know 100 dollars is a lot of money to you.

So I apologize for calling you a cunt and then deleting the comment.

P.s. is your bald ass living in canada?

I feel your frustration man but that isnt obamacare its your insurance company.

The real truth is that this country has to shit or get off the pot if quality healthcare is a human right, it has to be paid for and the only way that works is single payer ie universal

If quality healthcare is NOT a right then if you can't afford the quality healthcare you simply dont get it

Im no Obama fan by any stretch even though the affordable care act has helped me...A LOT.

But the reality is the reality and the sooner we face that reality the sooner we....get what we pay for....pun intended.

There are single payer systems all over the world that work and work very well so if healthcare is a right thats what we have to do.

the very idea that the insurance lobby could write a healthcare law that benefits anyone but them is ludicrous on its face but that is EXACTLY what happened with Obamacare.

^^mike... how has obama care helped you a lot? It's done nothing for me except increase premiums, decrease coverage, outlandish deductibles and I literally have no coverage outside my immediate area.

Oh... aetna is not offering me insurance starting January 1st, 2017. Same with all people and families that pay for their own health insurance in PA.

Yes...American healthcare is a global joke...not just Obamacare...all of it...education too...politics too...military spending too...

Dave this is not the fault of Obama Care. It's the fault of Americans voting for politicians who are in the pockets of the Healthcare industry.

2 weeks ago I had an appointment with my hematologist who monitors my blood levels since I was diagnosed with Celiac Disease. She found all was fine except for a high Creatine level which indicates a problem with my kidneys. she sent me over to the specialist department in the hospital, who saw me then and booked a return appointment in 30 days to see if it had cleared and to bring in Urine Samples. Cost $0.00 becauseI've paid all my life and now retired.

This is usual in a country with a decent National Health Service. It's not the first time I had a problem arise, hemorrhaging blood due to an ulcer, cancer, Celiac Disease, badly working Lymph glands lowering Iodine levels in my blood. I live in the Czech republic and at 66 getting a few problems. I'm glad I don't live in te US, I would be dead or bankrupt by now.

Blame needs to aimed at the culprits the guy who tried to fix the problem.

Exactly. It's amazing how the propaganda machine can divert attention from the real problem.

Time to move to Europe

blue cross canceled my policy, right after blue cross raised my rate $100 per month for the last month. Obama may be the black jesus but he sure the fuck lied about health care, and this as well, "increase premiums, decrease coverage, outlandish deductibles" :2 cents:

I went to my Doctor last week, showed up with no appointment, waited 20 mins, was taken care of, handed prescription, walked out of his office and straight into the Pharmacy (same building) to get my meds and within 24 hours was feeling a ton better.

Thanks Canada. USA needs to drop this bullshit for profit health system and move over to the way the rest of the first world deals with healthcare. The UK is now starting to take your shitty lead and bit by bit, privatizing the NHS. It's going to be a massive failure.

For 130 USD per month you can have a worldwide health insurance and go to whatever doctor or hospital you want. Except in the USA.

I feel your pain. I can assist on relocating you and your relatives to Europe so you will never have this trouble again.

You say nothing about WAITING for specialist doctors in Canada. In Europe you can choose whether you wait 2 month and go see the specialist for free ( insurance ) or you pay $50 and go see the same fucker this week, next day at times.

When crooks operate a system. Anyone trying to make it better will be forced to make everyone pay more.

If you want a far better service and cover for all. Adopt the system the rest of the Western world uses. Or fly to another Western World country and go private.