Lounge Hillary 2016

I got fucking screwed! I had perfectly great insurance coverage for a family of 5 through Cigna with full coverage dental also included, everything was covered within reason. I got whittled out of that and forced to take on a company helath plan where my company pays $500 and I pay 495.40 a month. The Cigna one I had prior to 2014 I was paying $816.00 a month. Now the one we have through Blue Shield Blue Cross, is the one for $995.40 a month. No dental!!! None. And most everything with the medical is co-pay and some things that I had with Cigna is not even covered. I have a 10 year old daughter that has asthma. With the new Obamacare I get some generic medicine with her inhalers and the medicine for the machine if she has an attack, for like $25.00. But the stuff is no where near effective, the generic that is, compared to the non generic she has used for years. Now I have to pay $775.00 for the non generic because with ObamaCare if it is available in generic you have to use it for $1.00 to $15.00, at least with the policies my company has. It goes on and one, it is fucked!

If I elected to keep the CIGNA and pay the full price, it would have went up to excess of $1,400 a month, self pay. Fuck Obama and Obamacare, it sucks.

 

very true.
And the liberals are asserting that if the minimum wage goes up to 15.00 dollars, then all the welfare people would have incentive to go back to work...and it will save the govt billions.

Except for one thing. If the wage goes to 15.00....the people paying this new wage will expect high level productivity from their workers. They wont want welfare people who have been sitting on their asses for years with no experience. They(employers) will require high level output.

People who were just good enough when they were getting 9 dollars an hour will be fazed out.....and more people with high level productivity will be hired in their place if they are forced to be paid 15.00/

People will lose their jobs, to be replaced by people who can do the job of 1.25 people......so that the employer can now operate with 4 people instead of 5 workers. More part timers over full timers will be the preference. More part timers allows the saving of having to pay benefits/ More part timers allows you to call in someone to work an extra day when someone is sick or on vacation, without having to pay time and a half .

 

So the bottom line is the people that had insurance and paid for it, now it has turned into an inferior and much more costly product because all the insurance companies did was cost shift their losses. They are making the hard working middle class pay for it all. If you were a thug, a person with no coverage because you pay was sub standard or minimum wage, etc., you are making out fine, but the rest of us got royally fucked over big time. Best I can explain it.

 

As far as the black people are concerned, they have their own fucking KKK. It is called street thugs, car jacking, murder, rape, robbery of the white people. Sure there is a large amount of black on black crime, but I am pretty confident their is more black on white or black on Asian or black on Latino and black on other race crimes than white on black. What the fuck is the difference, just the whites got tired of the black crime is all.

 

Yes, I am on the inside of healthcare and see it first hand. Actually alot of the people that voted for Obama are getting screwed as well.

He is the fallacy in the Obama claim that healthcare costs will be going down(he promised this). Well insurance companies are paying providers less....so yes that is a decrease in healthcare. However because they are getting an avalanche of sick new members they may pay 50 dollars less for a CAT scan........but they are paying for more CAT SCANS.....so the dollars they pay are higher than before.

So how do they make up that money???? Well they charge higher copays, higher deductables, and higher premiums. And set restrictions on what is covered.
If you actually have to use healthcare under obamacare.....you are fucked.

Add to that the millions ofpeople who had to change their doctors.......all at the same time. Continuity of care went away. Having a doctor that is not really fully familiar with your case is a timebomb waiting for a mistake to happen.
Yes, people change doctors all the time when they change jobs etc......but imagine millions of people simultaneously changing MDs.....and the things that end up falling through the cracks when this happens.

Yes obama promised everyone could keep their regular doctor....an obvious lie.

So you end up with millions of people who have doctors unfamiliar with their medical history, it takes the md more time to quickly review the chart and try to catch up with your chart before he walks in to your exam room...this takes time... He can make up THAT time by spending less time with his regular ongoing patients.

The quality of care has deteriorated. Just read the above...and no one can think this is a climate for patient care to improve

I am sorry to hear about your issue with generics. One thing you CAN do is to ask for a generic from a different manufacturer and try that. There are usually different companies making the same generic. Just because one generic company doesnt work as well doesnt mean you have to go directly to brand. Try a different generic company....and u might save some money.

 

exactly. In order to give millions of new sick people access to healthcare.....the govy set up a system where we pay for it.
Instead of raising taxes and making it a govt program...they shift the cost directly to sick people.

People who arent sick and get an obamacare policy are just fine. Its the sick people who actually use healthcare that are "taxed"

 

Also as far as your daughters brand name meds.
Some policies allow something called a 'PA".....PRIOR AUTHORIZATION
which means if you can get your doctor to state that the "brand is medically necessary" on a PA form.....then your doctors office faxes into the insurance PA dept and they will over-ride a code int he computer that dissalowed the brand....and now makes the brand covered

Most insurance companies have this provision
Look into your policy

 

I'm trying to understand this, you pay $995.40 plus $775 = $1770.40, which is $370.40 more than CIGNA's price hike. You can get Dental, if you elect to pay for it.

Put things into prospective, think of the many thousand of dollars you blew at the Baccarat tables since 1979, and you're complaining about Obamacare, how about about complaining about your loss of freedom and rights due to the Patriot act.

While I'm at it, yep those good itie communities were well behaved, didn't have a hierarchy or were organized, never robbed, beat or murdered anybody.

Quit whinging and pay extra if you need to, the difference would only end up in the casino's coffers. Be grateful for all the money lost you can still afford health insurance, which is now affordable for 13.5M fellow AmeriKKKan's, a more just and equal society.

 

No, the $775.00 was for my daughters asthma meds (inhalers, medicine for the machine, etc.) that Obama Care would not cover because generics are available, etc., etc. CIGNA, never had a problem with the meds. Obama Care without dental is the $995.40 per month, the old CIGNA that was just fine in 2014 was $816.00, etc. That same policy if I was to keep it in 2015 and pay out of pocket would have been in excess of $1,400.00 per month, all out of my pocket. The BlueCross BlueShield is an inferior product with ObamaCare taking into context. Probably the CIGNA would start to have cut back and downsides in 2015 as what I had the previous years because they are suffering the effects of Obama Care also, I can only assume.

Obama Care is an inferior product to those that can afford or at least those that can and will pay for their own insurance as we did for each and every year prior to the dictatorship of health care that convinced the insurance company to screw the public.

If Obama came in and told me I had to provide free spill clean up service to truck lines that are hauling cargo for the US Government, all fine and good. Then I cost shift and all the others truck lines, Wal Marts, Railroads, etc., would have 5 times the cost when I do work for them. Same as the insurance field.

As far as baccarat, has nothing to do with today or insurance care. I can look back and dwell and cry over lost investments in the stock market in 2008/2009. Real Estate deals I passed on in late 1990's in South Florida and then could have doubled or tripled my money before the collapse in 2008/2009/2010 whatever. Tons more stuff I should have done or not done, etc., with or without baccarat/casino playing, has nothing to do with insurance, LOL.

 

Yeah right and with three kids, the cost of the new dental far outweighs paying out of pocket. Also doesn't cover lots of the routine and regular dental items that insurance used to cover. Just paid $2,005.00 or so out of pocket for the kids. Cleanings, X-Rays, one kid had two baby teeth pulled and the other kid had 2 cavities. Etc. If I had dental with Obama Care, I would have paid about 1/2 of this bill out of pocket and the charges for dental throughout the year would be much greater than the other 1/2 as well. No comparison to before Obama Care, none.

 

You wasted your time breaking it down, not particularly interested. You fly to Vegas a few times a year, and you're whinging about a few hundred dollars difference in the cost of meds. Without researching it (cos' I'm not arsed), I wonder how much of that Cigna price hike was their own doing to compensate for what they have been legislated to provide by the Patient Protection and Affordable Care Act, or maybe was it legislated that their prices had to increase?

Looks like a leveling of the playing field to me, pharmaceutical companies have been notorious for ripping off the people, governments for decades. My thoughts are for those that can now afford health care that otherwise couldn't, rather than somebody that gambles a fair bit complaining about a few hundred bucks extra. How about skipping your next vacation and putting that cash towards your daughters meds.

 

Seriously, no problem here with vacations, gambling, kids field trips, toys for the kids, Mall of America, XBoxes, all that. No problem with paying for meds. You are the one insinuating and twisting the crap.

I have a problem with Obama Care and the bro himself and what he didn't do and what he did when he pulled the wool over everyone's eyes. Etc., etc., and so on.

I don't have to make a choice between non-essentials, luxury items, recreational and the everyday necessities, etc. I provide and have it handled. I have a problem with being ripped off no matter if it is a Lay's chip bag or a candy bar that says new and improved with a higher price and less quantity or that of the insurance that was forced upon people and companies and affected the insurance companies and they cost shifted.

Now that we got that straight, Obama sucks, Hillary is a damn criminal, and her husband Slick Willie is nothing but another criminal and a sexual pervert, period.

 

And BTW, most Canadians are gay and suck sperm from animals, at least that is what lots of people told me from Canada themselves. Thanks, have a great day!

 

http://inamerica.blogs.cnn.com/2012...n-we-do-not-hate-anyone-imperial-wizard-says/

Just for the record. It's all good. Go Obama go! Thanks bro for nothing! Democrats are great most of the time, if you are on welfare and need increase EBT/WIC etc., Republicans are good if you want to make money.

 

your situation is a testament to how the people who voted to obama got fucked. Sure the welfare people get it all free as far as healthcare.
But a family of 4 with both parents working and pulling in 50k before taxes....see how much they can handle your situation. The lower middle class and the middle class was screwed by obamacare. The rich folks who dont even need insurance...who can pay as they go.....are just fine.
Rush Limbaugh is a pay-as-you-go person. He is totally not affected. He picks his dictor and buys his meds for cash.

But for many folks who thought healthcare was going to be free for all or greatly reduced in price as promised........april fools

 

Because you would never go broke underestimating the stupidity of the General American public. They fall for stuff that defies logic daily. How do you think timeshare companies continue to find new customers?

 

there are people buying timeshares while the radio stations near me are filled with adverts about companies that will get you out of the timehare.
what a way to compound a loss.

One republican when discussing obamacare said the following"if you think healthcare is expensive now.....wait till its free"
they were right....its more expensive and the quality is and will suffer.

 

Don't forget the death panels too. That was a real right on the point prediction. People that say, "We are from the government. We are here to help." Yes, those wonderful people will decide who gets continued treatment and who does not. The people that are here to help might actually kill you. They need to save Social Security somehow. Why not death panels. It's a perfect system. From a Ponzi scheme in the beginning to the grave. Do your part for your country, drop dead.

 

Same scammers. No doubt the timeshare companies are selling their sales lists to the exit people.

 

Or give $200 to someone that says they can beat Roulette. Once they realize how stupid they were to get scammed they may want to kill themselves. Problem solved.