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by G26ster
Tue Mar 28, 2017 2:23 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

mojo84 wrote:
G26ster wrote:
mojo84 wrote:
G26ster wrote:
Lambda Force wrote:Republicans should repeal them all or admit they're socialists and push single payer for everybody.

It's crazy to have "free" or subsidized healthcare for everybody except the people who work and pay taxes. Or should I say, the suckers who work and pay taxes.

Say, brother, where do I get me one of those Obamaphones?
Oh, so it's OK to plan for your retirement knowing that you paid into Medicare all your working life, and then after you retire banking on those benefits, you get them taken away and have squat to live on. Yeah, that's real fair. All you have to do is push the "reverse button" go back in time, and tell yourself you need to have a higher yield on your savings/investments because Medicare won't be there. Where did I put my time machine. Can't find it. And BTW, people on Medicare pay income taxes too. At least we do.
I don't believe anyone in their right mind would really want to take away the benefit for which you or anyone has paid for over the years. There is an option to stop the program for the future before those that have not yet started paying into the system start.

Whether some of the programs are intentionally and systematically phased out, they will implode on their own and people will lose what they've paid for and the economy will take a devastating hit.

This isn't a young against old deal. The system is unsustainable.


Mojo: I agree that SS & Medicare need to be reformed for future recipients, AND the current system is unsustainable. But when you spice an opinion with phrases like, "It's crazy to have "free" or subsidized healthcare for everybody except the people who work and pay taxes. Or should I say, the suckers who work and pay taxes," after you've said get rid of Medicare, it implies that recipients of SS & Medicare are freeloaders who pay no taxes. That simply is untrue, and it can make the reader feel like it IS a young vs. old situation, and folks on Medicare are deadbeats.
I sure hope none of my post came across that way. In my opinion Medicare in the VA are completely separate from the primary Health Care issue that Obamacare affected.8

Mojo: My last post was mainly in response to another member who said in one post to get rid of Medicare and Medicaid, then in a subsequent post made the statement I quoted. Sorry for the confusion.
by G26ster
Tue Mar 28, 2017 9:52 am
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

mojo84 wrote:
G26ster wrote:
Lambda Force wrote:Republicans should repeal them all or admit they're socialists and push single payer for everybody.

It's crazy to have "free" or subsidized healthcare for everybody except the people who work and pay taxes. Or should I say, the suckers who work and pay taxes.

Say, brother, where do I get me one of those Obamaphones?
Oh, so it's OK to plan for your retirement knowing that you paid into Medicare all your working life, and then after you retire banking on those benefits, you get them taken away and have squat to live on. Yeah, that's real fair. All you have to do is push the "reverse button" go back in time, and tell yourself you need to have a higher yield on your savings/investments because Medicare won't be there. Where did I put my time machine. Can't find it. And BTW, people on Medicare pay income taxes too. At least we do.
I don't believe anyone in their right mind would really want to take away the benefit for which you or anyone has paid for over the years. There is an option to stop the program for the future before those that have not yet started paying into the system start.

Whether some of the programs are intentionally and systematically phased out, they will implode on their own and people will lose what they've paid for and the economy will take a devastating hit.

This isn't a young against old deal. The system is unsustainable.


Mojo: I agree that SS & Medicare need to be reformed for future recipients, AND the current system is unsustainable. But when you spice an opinion with phrases like, "It's crazy to have "free" or subsidized healthcare for everybody except the people who work and pay taxes. Or should I say, the suckers who work and pay taxes," after you've said get rid of Medicare, it implies that recipients of SS & Medicare are freeloaders who pay no taxes. That simply is untrue, and it can make the reader feel like it IS a young vs. old situation, and folks on Medicare are deadbeats.
by G26ster
Sun Mar 26, 2017 7:57 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

Lambda Force wrote:Republicans should repeal them all or admit they're socialists and push single payer for everybody.

It's crazy to have "free" or subsidized healthcare for everybody except the people who work and pay taxes. Or should I say, the suckers who work and pay taxes.

Say, brother, where do I get me one of those Obamaphones?
Oh, so it's OK to plan for your retirement knowing that you paid into Medicare all your working life, and then after you retire banking on those benefits, you get them taken away and have squat to live on. Yeah, that's real fair. All you have to do is push the "reverse button" go back in time, and tell yourself you need to have a higher yield on your savings/investments because Medicare won't be there. Where did I put my time machine. Can't find it. And BTW, people on Medicare pay income taxes too. At least we do.
by G26ster
Sun Mar 26, 2017 6:19 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

Lambda Force wrote:
REPEAL OBAMACARE
+ Medicare
+ Medicaid
Now there's a platform to win elections. 46 million seniors WHO VOTE on Medicare in 2015. Yeah, that's the ticket, take it away and never be seen or heard from again as a candidate or political party.
by G26ster
Fri Mar 17, 2017 6:53 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

Jusme: That would require a dramatic change in U.S. Gov't policy. Right now VA healthcare is only free to select individuals such as those with disability >50%, or other conditions laid out by the VA. Otherwise, VA healthcare is "means tested." A veteran pays specific amounts for healthcare and prescriptions based on income. Your plan would make it free to all vets, which I believe is a good thing, but budget wise could break the bank. Dunno.

From the VA home page:

Financial Assessment

A financial assessment is a means of collecting the Veteran’s household income information which is used to determine whether a Veteran is eligible for enrollment and whether or not the Veteran would be required to pay copays for care or prescription medication. VA is required by law to collect this information.
by G26ster
Thu Mar 16, 2017 7:21 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

mojo84 wrote:I think Dale Blanker and Abraham substantiated my comment. It's like telling someone you know they feel when they've lost a spouse or child and you haven't. There is a difference between knowing about something and experiencing it.

Even Medicare is unsustainable without getting cost of care under control. Here is some sobering data.

http://www.healthsystemtracker.org/inte ... cket&tab=1

http://www.healthsystemtracker.org/inte ... ures&tab=0

One of the great things about country and it's Constitution is that people have the right to express opinions whether they know what they are talking about or not. Similarly, wevhavevthe right to challenge those folks.

Trump and the GOP must focus on cost of care or even you folks in medicare and Medicaid will be out of luck and experiencing what many of us are.
"There is a difference between knowing about something and experiencing it."


True in many cases. If true though, how do you know exactly what people on Medicare know or feel about Obama care? Your not on Medicare, you haven't lived their lives. Maybe they were on Obamacare before Medicare. We weren't born on Medicare. Most in our families are not on Medicare, they're on Obamacare. They experience the same pain as you. We have transitioned from either private healthcare or no healthcare. You don't have to be told "You have cancer" to understand how devastating that news is. Like I said, it's not rocket science to understand the pain of a $1400 mo. premium and a $6850 deductible. Sorry, I don't equate knowing the feeling of the loss of a child or spouse to understanding that those premiums and deductibles suck, any more than if you told me you pay $5000 a month for a one bedroom apartment in Texas. I don't have to live there to understand. Outrageous is outrageous.
by G26ster
Thu Mar 16, 2017 6:18 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

mojo84 wrote:
G26ster wrote:
mojo84 wrote:G26ster,
If everyone understands, why did Dale make the comments he made?

I understand and accept your perspective. However, those that haven't had to deal with paying for insurance and not having insurance the last couple years under Obamacare do not truly understand since they haven't experienced it first hand. There things in life one cannot understand until they've experienced it themselves. This is one of those situations.

If you take my comment in context as a response to Dale banker, my comment stands. You can't take my response to someone that said what Dale said and apply it to everyone out there. It also helps to not take people's comments out of context. I understand Medicare isn't the utopia some try to make it out to be. However, I cannot understand what it's like being on Medicare because I haven't experienced it. I do know what it's like spending over $1400 per month on health insurance out of my pocket and then having to meet a $6850 deductible. Do you?

Nonetheless, Trump ran on repealing and replacing Obamacare during his 1st term. What's on the table right now does neither. Nor does it address the real issue.
I didn't say "everyone." I responded to the comment you made in a reply to Nutts, not Dale. You said "People that qualify for subsidies, medicare and Medicaid have no real clue..." To me that meant most or all people. I believe that most people on Medicare do have a clue. Maybe not under Obamacare, but they have run their own business and paid their own full health care costs, or been employed without medical benefits. I'm not defending Obamacare or its proposed replacement. Just commenting that we DO have a clue.

Edit to add: Is the $1400 per month on health insurance out of your pocket, and then having to meet a $6850 deductible, for just you or for your entire family?

I'm not going to argue about what I said or to whom it was directed. I quoted the person you mentioned but my comment also addressed the other poster's comment asking why people are upset. He indicated he is in Medicare. Context is important.

Yes, the $1400 is out of my pocket per month for premiums for a family of 4. The $6850 is out of my pocket for deductible per person up to two people. Have you paid similar premiums and deductibles? If not, I do not believe you can fully appreciate the current situation.

I have many current and former clients that have elected to go bare because they do not qualify for subsidy, medicare or medicaid and cannot or will not pay that much.
Not an argument, so don't take it that way. Yes, context is important. My only issue with your comment was about people on Medicare being clueless. That's just not so in all cases. Just because we don't have the same expenses you have, we still have expenses. It does not mean we are clueless. We have family, and friends that are experiencing the the same grief that you are under Obamacare, and we are up to date with the news. You asked if I paid similar premiums or deductibles. Answer right now is no, but that has no bearing on whether I'm clueless or not. It's not rocket science to understand you have steep monthly premiums and a huge deductible. I don't have to be in your shoes to appreciate your situation, anymore than you have to be in mine to know that cancer is deadly and expensive. I sincerely hope that Obamacare goes away, and insurance becomes more affordable for you and your family. Unlike Obamacare, which has been headline news for 8 years, Medicare is a mystery to many because they believe it's free healthcare, just like people believe all veterans get free healthcare by the VA.
by G26ster
Thu Mar 16, 2017 3:12 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

mojo84 wrote:G26ster,
If everyone understands, why did Dale make the comments he made?

I understand and accept your perspective. However, those that haven't had to deal with paying for insurance and not having insurance the last couple years under Obamacare do not truly understand since they haven't experienced it first hand. There things in life one cannot understand until they've experienced it themselves. This is one of those situations.

If you take my comment in context as a response to Dale banker, my comment stands. You can't take my response to someone that said what Dale said and apply it to everyone out there. It also helps to not take people's comments out of context. I understand Medicare isn't the utopia some try to make it out to be. However, I cannot understand what it's like being on Medicare because I haven't experienced it. I do know what it's like spending over $1400 per month on health insurance out of my pocket and then having to meet a $6850 deductible. Do you?

Nonetheless, Trump ran on repealing and replacing Obamacare during his 1st term. What's on the table right now does neither. Nor does it address the real issue.
I didn't say "everyone." I responded to the comment you made in a reply to Nutts, not Dale. You said "People that qualify for subsidies, medicare and Medicaid have no real clue..." To me that meant most or all people. I believe that most people on Medicare do have a clue. Maybe not under Obamacare, but they have run their own business and paid their own full health care costs, or been employed without medical benefits. I'm not defending Obamacare or its proposed replacement. Just commenting that we DO have a clue.

Edit to add: Is the $1400 per month on health insurance out of your pocket, and then having to meet a $6850 deductible, for just you or for your entire family?
by G26ster
Thu Mar 16, 2017 1:19 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

mojo84 wrote:Nuts,
Unfortunately your experience is not uncommon. One thing you said that I may tend to disagree but don't have hard stats to base an argument on is the 20 million additional insured as I believe that is just overinflated gov propaganda. However, the rest of your post is on point as far as I can tell.

People that qualify for subsidies, medicare and Medicaid have no real clue just how expensive and cost prohibitive medical insurance is for those that work or own a business and do not qualify for gov subsidy.

Here's a real life scenario that is very common. A family of 4 with a household income of $98,000 can expect to pay $1400-2500 per month in premiums for a plan that has a $6850 per person deductible and a $13,700 family deductible. As you can see using basic math it isn't very hard to reach 25% of one's income just for healthcare. If anyone doubts my numbers, send me a pm and I'll be happy to run a quote and provide evidence.

Obamacare took a broken system and made it worse. The GOP plan doesn't solve anything either. Nothing is going to help until the cost of care is lowered. Pharma claims it takes $2.56 BILLION to get a new med to market in order to justify a 7 year monopoly and the ability to charge outrageous prices. Same goes for medical equipment.

Trump and the GOP need to change tacts if they really want to address the issue which is cost of care. Insurance companies have already had a cap put on their operating expenses and profit. Now it's time to address the issue through reduced regulations, streamlined FDA approval system, more competition, education, prevention of disease and better nutrition.
I'll take exception to one thing you said, "People that qualify for subsidies, medicare and Medicaid have no real clue just how expensive and cost prohibitive medical insurance is for those that work or own a business and do not qualify for gov subsidy."

That's not true. How do you think many of us on Medicare got here? Many of us ran businesses of our own at times without insurance, many of us worked for companies at times that did not provide it, and Medicare doesn't cover everything, and even Medigap supplements don't either. We know full well how the private system works vs. the gov't system works. There are many state of the art procedures that might be necessary in later life that private insurance covers and Medicare doesn't. Even if I offer a doctor, hospital or surgeon to pay out of pocket, they can't, by law, accept as long as one is on Medicare. If it's not covered by Medicare you don't get it done. With cancer, I have spent many thousands of dollars out of pocket for what Medicare doesn't pay, which would have been paid in full when I had private insurance before I retired. So many of us have a real "clue."
by G26ster
Mon Feb 20, 2017 1:07 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

LucasMcCain wrote:We need a smiley with a MAGA hat or something. :thumbs2: :patriot:
Image
by G26ster
Tue Jan 31, 2017 9:59 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

rotor wrote:
G26ster wrote:
rotor wrote: This may work if you are not on Medicare or Medicaid but the doctors, labs and hospitals can not charge you anything but the government mandated price. You can not go outside of the system on these government programs. They can NOT balance bill or give you a discount. They can be fined quite severely if they do.
When I was diagnosed with cancer, I wanted to see the best possible doctor/hospital. Unfortunately I am on a Medicare Advantage plan (Part C) that forces me to see doctors and hospitals only within my network. I wanted a second opinion from UT Southwestern (which is outside my network), in the event I needed surgery in the future, and offered to pay out of pocket for it, as they have some of the best surgeons in the country for my type of cancer. I was told in no uncertain terms by them, that as I was on Medicare they could NOT accept an out of pocket payment from me for any of their services. I was illegal.

The good news is that I did have the surgery in my network at USMD Cancer Center/Hospital in Arlington, and I have been cancer free for two years. But, I was very surprised and taken aback by UT Southwestern's response.
First, you are Medicare Advantage which limits you even more (and is also the biggest profit sources for the insurance company). I would advise anyone approaching Medicare age to go with regular Medicare, a good supplement and a plan D drug. With that you can see any doctor in the country that takes Medicare at any hospital that takes Medicare ( virtually all) and you have choice although you pay more. With Medicare advantage you get some freebie stuff but MUST go to their list of docs and hospitals and CAN NOT go outside, even if you want to pay for it yourself. The docs and hospitals can not legally see you. The exceptions are for cosmetic stuff not covered by Medicare. So think carefully before you sign onto an advantage plan. Makes Aetna and United Health rich, costs the taxpayer 10% more for your care and limits you drastically. On the other hand I am glad you are doing well.
Thanks for you good wishes.

When I was diagnosed, I wanted to switch to Original Medicare, with a supplement. Problem was, I could switch, but NO insurance company would sell me a supplement because of my diagnosis. I had to answer the health questions and one of them was "have you been diagnosed with internal cancer?" I spoke with many companies, but all said they could not underwrite a policy until I was cancer free for 5 years. Even USAA, who I have been with for 51 years said the same. So, I would be responsible for 20% of all doctor fees, and with cancer, that can be substantial.

I agree that Original Medicare and a supplement is the way to go, but once you are outside your window of "guaranteed right" which ends 6 months after you sign up for Medicare Part B, you must answer the health questions to get a supplement. The pre-existing conditions clause of Obamacare does not apply to Medicare. Now if I move out of my coverage area, or my insurance company no longer offers my Advantage plan in my area, I don't have to answer those questions. But folks considering Original Medicare over Medicare Advantage must consider the considerable costs involved. With Original Medicare, you pay over $100 a month for that, plus another $150-200 per month for your supplement, plus another $35-$60 a month for a prescription drug plan. All of those are included in Advantage. So expect to pay about over $3500 - $4500 per year for that, and there's a good chance, if your health allows that, you will being paying far more in insurance costs than you would pay a doctor if you didn't have the supplement. In retirement that's substantial. However, I agree, that for major illnesses in old age, if you want free choice to choose any doctor or hospital, Original Medicare and the supplement and the drug plan is the way to go.
by G26ster
Tue Jan 31, 2017 6:31 pm
Forum: Off-Topic
Topic: Today in Trump's new term as President
Replies: 3948
Views: 260070

Re: Today in Trump's new term as President

rotor wrote: This may work if you are not on Medicare or Medicaid but the doctors, labs and hospitals can not charge you anything but the government mandated price. You can not go outside of the system on these government programs. They can NOT balance bill or give you a discount. They can be fined quite severely if they do.
When I was diagnosed with cancer, I wanted to see the best possible doctor/hospital. Unfortunately I am on a Medicare Advantage plan (Part C) that forces me to see doctors and hospitals only within my network. I wanted a second opinion from UT Southwestern (which is outside my network), in the event I needed surgery in the future, and offered to pay out of pocket for it, as they have some of the best surgeons in the country for my type of cancer. I was told in no uncertain terms by them, that as I was on Medicare they could NOT accept an out of pocket payment from me for any of their services. It was illegal.

The good news is that I did have the surgery in my network at USMD Cancer Center/Hospital in Arlington, and I have been cancer free for two years. But, I was very surprised and taken aback by UT Southwestern's response.

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