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Insurance Pools for 'High-Risk' Patients Running out of Money

Discussion in 'Political Issues' started by Ruble Noon, Feb 16, 2013.

  1. Ruble Noon

    Ruble Noon "Cracker"

    Feb 18, 2009
  2. janice6

    janice6 Silver Member

    Apr 4, 2006
    The government knew of this cost and that it was why the original problem existed.

    Now they have the law, the next step is to tax the hell out of us to pay for the things in it that are overly expensive.

    One step at a time boys, we will get all the money we need and more, one step at a time.

    The Lobster is in the pot and the water is just coming to a boil.

  3. snerd


    Apr 20, 2007
    Say it ain't so!! It was FREE healthcare he promised!!
  4. gwalchmai

    gwalchmai Lucky Member

    Jan 9, 2002
    Outside the perimeter
    Sounds pretty racist to me.
  5. Gunnut 45/454

    Gunnut 45/454

    Jun 20, 2002
    You mean the can't afford to insure all of the 20 million illegals? Well maybe they'll go back to there home countries now! Obamacare was broke from day one! It was based on money we never had! They stole 700 billion from medicare that wasn't actually there to begin with! Fake dollars to fund a new program! Hows that working out for you America!:rofl:
    Last edited: Feb 17, 2013
  6. I'm positive this is what Obama wanted. His goal is single payer. Since he couldn't get that through Congress, his goal was to cause so much turmoil that in 10 years when insurance premiums are through the roof and half of insurance companies are gone with Medicare doctors being non existent. General public would be begging for single payer and republicans will roll over and approve it.
  7. JFrame


    May 29, 2001
    Mid-Atlantic, US of A
    Per Nancy Pelosi -- the more I'm seeing what's in the bill they passed, the more I hate it.

  8. plainsman


    Jul 25, 2005
    Next the cry baby liberals should make all insurance retroactive, after all it is NOT FAIR that once you have a claim, and now realize you needed insurance, that some company should just honor you "thinking" about insurance, and just pay the claim. They can even send the deadbeats a bill(which they probably wouldn't pay,) after they settle the claim!

    That is called buying a claim. When you have to insure something that is such as loss, the insurance company never will make a dime, HOWEVER, it makes them all feel warn and fuzzy......spending your money!
  9. pugman


    May 16, 2003

    I've posted many times I work for a major health insurance provider...I'm not blue and I don't quack.

    Coworkers and I have discussed this time and time again; I don't think a single payer is logisitically least for now. I can envision a lot of different routes but they all end at the same place [puts on tin foil hat].

    By the end of year, I see most commerical insurance providers closing shop. Some in the know can see a few hundred, some 1,000 plus, some all but the very few big boys-it simply boils down to the small business owners response to ObamaCare. Most large companies (including mine) are self funded.

    Since the fed did it with GM; I could see the federal government buying up the stock of a few big boys creating regional insurance companies of some sort and in effect Nationalizing health care.

    Doctors are a tough call. The top specialists in the field i.e. the guys you really want to see when you are sick or need a procedure at some point will refuse to see ObamaCare patients as long as private insurance exists. One of the biggest reasons insurance companies try and get physicians contracted is to control the quality of care within their network.

    What this clearly shows is the government is clueless. $5 billion to last nearly 4 years on acute (what we call High risk patients) patients is impossible. 135,000 people with $5 billion dollars equates to $37,000 per person for the entire 4 years.

    My employer regularly pays $10-$15,000 a month for hemophiliac patients (their drugs are extremely expensive); diabetics can easily run $5-$6,000 a month.

    Remember, Medicare is expected to double its cost by 2020 to nearly $1 trillion dollars-this is 40%+ what the government took in as income in 2010.

    Since insurance generally means 98% of the people pay for the other 2%...and 95% of the money spent medically for the average person is spent in the last two years of their life I could see mandatory cutoffs. Proof?

    "“We’re being very careful stewards of the money that has been appropriated to us and we wanted to balance our desire to maximize the number of people who can gain from this program while making sure people who are in the program have coverage,” said Gary Cohen, director of the Department of Health and Human Services’ Center for Consumer Information and Insurance Oversight."

    Remember those words...maximize the number of people..when it comes to buying want to touch as many people as possible. Do I keep grandma alive at $7,000/month in a nursing home who only has one vote or do I provide services to the children of ten couples who have more votes.

    Regardless..Medicare/aid like social security is a train wreck waiting to happen
    Last edited: Feb 19, 2013
  10. Cavalry Doc

    Cavalry Doc MAJ (USA Ret.)

    Feb 22, 2005
    Republic of Texas
    No problem. Obama has a plan.

  11. dkf


    Aug 6, 2010
    Ever since I have heard about the details of Obamacare that has been my thought as well.

    I believe premiums will be so high for insurance that well over half of the people in the country will end up not having insurance.(most business will not offer insurance to employees due to cost) Those that can afford the premiums will be stuck with high deductables and other high out of pocket expenses along with the premium costs. The large health insurance companies will merge, the hospitals will keep merging (but a faster rate) and the system will then be easier for .GOV to take over and implement a single payer, government run healthcare system.

    I am not as old as some here but a LOT has changed in the healthcare system since I was a kid and honestly most of it was not for the good.
  12. certifiedfunds

    certifiedfunds Tewwowist

    Apr 23, 2008
    I noticed my doctor has a sign up that as of Jan 1 he has withdrawn from Medicare and will no longer see Medicare patients unless they enter a contract for private payment of his fees.

    I believe one good thing to come from obamacare will be a surge in concierge medicine outside of the system. This will leave the obamapatients with crappy care while we will have better care than before. As it should be.
    Last edited: Feb 19, 2013
  13. barbedwiresmile

    barbedwiresmile Unreconstructed

    Feb 3, 2008
    Barney Frank admitted this rather candidly on camera.

    We will have single payer. It's a foregone conclusion.

    (And all that comes with it)
  14. Dawolf


    Sep 18, 2010
    B.O. yelling "PSYCH"
  15. certifiedfunds

    certifiedfunds Tewwowist

    Apr 23, 2008
    No doubt.

    What I think it means in the near term is folks like us will pay twice as much like the EU. We'll pay for the public plan but not use it so we'll pay for private healthcare too.

    Ultimately the bastards will outlaw private healthcare like Hillarycare was going to. It'll be a felony.
  16. SouthernRaider


    May 26, 2005
    Fed employees
    State employees
    Children's programs

    They aren't far from a single payer right now