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Invisiblenooneman
Male

Registered: 04/24/09
Posts: 14,608
Loc: Utah
I signed up for Obamacare. * 4
    #19346928 - 12/30/13 03:55 PM (10 years, 1 month ago)

I don't want to defend Obamacare or advocate for it. I just want to say what my literal experience with it has been. There's a lot of debate about it, but I actually signed up for it, and here's what it was like. For the record, I opposed healthcare reform, so there's that.

First, I didn't have healthcare before. I had applied in the past (before Obamacare) and was denied healthcare due to preexisting conditions despite the fact that I would have paid literally hundreds of dollars more per month than my treatment would have cost. I take a handful of cheap medications that cost almost nothing (amphetamine, for example), but was denied anyway. So, Obamacare...

I signed up through the website. My state runs it's own website, and I would bet hard cash that it's the best website out of all of them. The website was really easy, and I didn't encounter any problems or slowdown or errors. It required almost no information from me. The only personal information they asked me was stuff like name and address. This was a huge relief because the application that I had submitted for private insurance years before took literally hours to complete and was extremely detailed.

I had an option to choose between about 30 healthcare plans from about 7 different providers. I chose the provider I had before, years ago. I saved $150 per month for a better plan than I could have gotten before. I could have saved even more if I didn't go with the provider I had before, but I liked my old provider so I opted for it.

The entire process was over in about 20 minutes. My coverage starts in January.

This was my experience. Again, I'm not advocating it, or defending it, this is just literally what happened to me. I'm sure that it's probably very bad for the insurance companies. I was against healthcare reform. I'm sure that it has a high cost, and is bad for the national debt. I just wanted to give my first hand experience with signing up for it since I haven't seen a lot of them around.


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Invisiblenannybooboo
 User Gallery
Registered: 04/23/11
Posts: 325
Re: I signed up for Obamacare. [Re: nooneman]
    #19346959 - 12/30/13 04:01 PM (10 years, 1 month ago)

My aunt signed me up without my consent. I'm not too sure if if I should be pissed or just run with it.

I was denied healthcare two years ago for being a mmj smoker.


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OfflinePatlal
You ask too many questions
Male User Gallery


Registered: 10/09/10
Posts: 44,812
Loc: Ottawa Flag
Last seen: 25 minutes, 44 seconds
Re: I signed up for Obamacare. [Re: nooneman] * 6
    #19346972 - 12/30/13 04:03 PM (10 years, 1 month ago)

Well holy shit. A positive story about Obamacare. Call the news station or something, you seem to be the only satisfied American in the country


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OfflineTopPmz
<No Title>
Male User Gallery

Registered: 01/13/13
Posts: 2,615
Loc: FL Flag
Last seen: 1 year, 6 months
Re: I signed up for Obamacare. [Re: nannybooboo]
    #19346993 - 12/30/13 04:07 PM (10 years, 1 month ago)

My mom was going to sign up, but the only coverage plan available to her would've cost more than half her income.
So, she's just gonna wait til they fine her and get a Constitutional Attorney to fight it.


--------------------
"Freedom Isn't Free" is only half correct. True freedom doesn't exist in the society we exist in. What the saying really means is "The Illusion of Freedom Isn't Free"


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InvisibleVivaLaMushie
RIP LS :(
Female User Gallery

Registered: 07/23/12
Posts: 15,711
Loc: Switzerland Flag
Re: I signed up for Obamacare. [Re: Patlal]
    #19347018 - 12/30/13 04:10 PM (10 years, 1 month ago)

I don't see how forcing everyone to get healthcare is going to fix the problems we have.

I say that because the past two months my bf has had the run around trying to figure out what's wrong with him. He was admitted for one day and his bill was about $46k, they did every test you could think of and guess what they still don't have a diagnosis for him. He has insurance, but still all of his out of pocket costs are easily in the thousands. He says he feels like hes on a hampster wheel and as he runs on it, money falls out and the doctors are standing in the back saying "should we tell him what's wrong with him yet, or just keep milking him?'

So, say someone who barely makes enough $ to get insurance, but they find a way to make it work. Then they get really sick. They're still going to end up paying out of their ass or going into debt.

Idk, just my thought on this while thing.


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Invisiblenooneman
Male

Registered: 04/24/09
Posts: 14,608
Loc: Utah
Re: I signed up for Obamacare. [Re: VivaLaMushie]
    #19347033 - 12/30/13 04:13 PM (10 years, 1 month ago)

Quote:

VivaLaMushie said:
I don't see how forcing everyone to get healthcare is going to fix the problems we have.

I say that because the past two months my bf has had the run around trying to figure out what's wrong with him. He was admitted for one day and his bill was about $46k, they did every test you could think of and guess what they still don't have a diagnosis for him. He has insurance, but still all of his out of pocket costs are easily in the thousands. He says he feels like hes on a hampster wheel and as he runs on it, money falls out and the doctors are standing in the back saying "should we tell him what's wrong with him yet, or just keep milking him?'

So, say someone who barely makes enough $ to get insurance, but they find a way to make it work. Then they get really sick. They're still going to end up paying out of their ass or going into debt.

Idk, just my thought on this while thing.



I totally agree, and I think these are all valid points.


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Offlinezappaisgod
horrid asshole


Registered: 02/11/04
Posts: 81,741
Loc: Fractallife's gym
Last seen: 7 years, 8 months
Re: I signed up for Obamacare. [Re: nooneman]
    #19347041 - 12/30/13 04:15 PM (10 years, 1 month ago)

Quote:

nooneman said:
I don't want to defend Obamacare or advocate for it. I just want to say what my literal experience with it has been. There's a lot of debate about it, but I actually signed up for it, and here's what it was like. For the record, I opposed healthcare reform, so there's that.

First, I didn't have healthcare before. I had applied in the past (before Obamacare) and was denied healthcare due to preexisting conditions despite the fact that I would have paid literally hundreds of dollars more per month than my treatment would have cost. I take a handful of cheap medications that cost almost nothing (amphetamine, for example), but was denied anyway. So, Obamacare...

I signed up through the website. My state runs it's own website, and I would bet hard cash that it's the best website out of all of them. The website was really easy, and I didn't encounter any problems or slowdown or errors. It required almost no information from me. The only personal information they asked me was stuff like name and address. This was a huge relief because the application that I had submitted for private insurance years before took literally hours to complete and was extremely detailed.

I had an option to choose between about 30 healthcare plans from about 7 different providers. I chose the provider I had before, years ago. I saved $150 per month for a better plan than I could have gotten before. I could have saved even more if I didn't go with the provider I had before, but I liked my old provider so I opted for it.

The entire process was over in about 20 minutes. My coverage starts in January.

This was my experience. Again, I'm not advocating it, or defending it, this is just literally what happened to me. I'm sure that it's probably very bad for the insurance companies. I was against healthcare reform. I'm sure that it has a high cost, and is bad for the national debt. I just wanted to give my first hand experience with signing up for it since I haven't seen a lot of them around.



What state and how much are you paying and how much are you getting in subsidies?  By the way, you conflate health care with health insurance.  They are not the same thing.  You always had health care.


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Offlinesonamdrukpa
Wayfarer


Registered: 10/18/11
Posts: 2,777
Last seen: 3 months, 1 day
Re: I signed up for Obamacare. [Re: VivaLaMushie]
    #19347051 - 12/30/13 04:17 PM (10 years, 1 month ago)

Quote:

VivaLaMushie said:
I don't see how forcing everyone to get healthcare is going to fix the problems we have.

I say that because the past two months my bf has had the run around trying to figure out what's wrong with him. He was admitted for one day and his bill was about $46k, they did every test you could think of and guess what they still don't have a diagnosis for him. He has insurance, but still all of his out of pocket costs are easily in the thousands. He says he feels like hes on a hampster wheel and as he runs on it, money falls out and the doctors are standing in the back saying "should we tell him what's wrong with him yet, or just keep milking him?'

So, say someone who barely makes enough $ to get insurance, but they find a way to make it work. Then they get really sick. They're still going to end up paying out of their ass or going into debt.

Idk, just my thought on this while thing.




What's he complaining of?


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Offlinemorrowasted
Worldwide Stepper
Male User Gallery


Registered: 10/30/09
Posts: 31,378
Loc: House of Mirrors
Last seen: 17 days, 33 minutes
Re: I signed up for Obamacare. [Re: Patlal]
    #19347056 - 12/30/13 04:17 PM (10 years, 1 month ago)

Quote:

Patlal said:
Well holy shit. A positive story about Obamacare. Call the news station or something, you seem to be the only satisfied American in the country



Nope, my entire family is registered and satisfied. The only people I can find who are pissed are selfish people who are watch too much mainsteam news, get caught up in their ideologies, or are mad about "lies" and feeling that they have to pay for other peoples' health problems.

"My health insurance would go up under Obamacare and I'm a healthy white male, why should I have to pay for old people?"

:rolleyes: Selfish pricks.

BTW everyone in my family is saving money and getting greater coverage as a result of the ACA.


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
Re: I signed up for Obamacare. [Re: nooneman]
    #19347062 - 12/30/13 04:18 PM (10 years, 1 month ago)

Signing up is the easy part.  The devil is in the details.

What healthcare are you getting, what is/isn't covered, and what services are you eligible for?  For example, I have a maximum out of pocket expense each year that's around a couple grand.  So I could get the run around pretty much everywhere, and I'd only pay a set amount.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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InvisibleVivaLaMushie
RIP LS :(
Female User Gallery

Registered: 07/23/12
Posts: 15,711
Loc: Switzerland Flag
Re: I signed up for Obamacare. [Re: sonamdrukpa]
    #19347066 - 12/30/13 04:19 PM (10 years, 1 month ago)

He had what they call a thunder clap headache one morning out of the blue. Hes had a constant headache since halloween.


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InvisibleDebuteMachine

Registered: 09/29/06
Posts: 6,457
Re: I signed up for Obamacare. [Re: VivaLaMushie]
    #19347086 - 12/30/13 04:22 PM (10 years, 1 month ago)

Quote:

VivaLaMushie said:
He had what they call a thunder clap headache one morning out of the blue. Hes had a constant headache since halloween.




he should eat some mushrooms bro.


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Offlinemorrowasted
Worldwide Stepper
Male User Gallery


Registered: 10/30/09
Posts: 31,378
Loc: House of Mirrors
Last seen: 17 days, 33 minutes
Re: I signed up for Obamacare. [Re: VivaLaMushie]
    #19347095 - 12/30/13 04:24 PM (10 years, 1 month ago)

Quote:

What healthcare are you getting, what is/isn't covered, and what services are you eligible for?


What I have noticed is that under private insurance no coverage for psychological services was covered, there was no coverage for services for things like addiction treatment, and that my out of pocket expenses were higher at point of service (which is less manageable for a person like me). None of this is true of the ACA in my case.


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InvisibleVivaLaMushie
RIP LS :(
Female User Gallery

Registered: 07/23/12
Posts: 15,711
Loc: Switzerland Flag
Re: I signed up for Obamacare. [Re: DebuteMachine]
    #19347110 - 12/30/13 04:26 PM (10 years, 1 month ago)

Quote:

DebuteMachine said:
Quote:

VivaLaMushie said:
He had what they call a thunder clap headache one morning out of the blue. Hes had a constant headache since halloween.




he should eat some mushrooms bro.




He doesn't have migraines or cluster headaches. They tried saying that shit when this all started, but he says he has HEAD PAIN not a HEADACHE. any time he gets his heart rate up, hes in pain.

And anyways, I'm too scared to let him take anything right now.


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
 User Gallery

Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: I signed up for Obamacare. [Re: morrowasted]
    #19347114 - 12/30/13 04:27 PM (10 years, 1 month ago)

Quote:

morrowasted said:
Quote:

Patlal said:
Well holy shit. A positive story about Obamacare. Call the news station or something, you seem to be the only satisfied American in the country



Nope, my entire family is registered and satisfied. The only people I can find who are pissed are selfish people who are watch too much mainsteam news, get caught up in their ideologies, or are mad about "lies" and feeling that they have to pay for other peoples' health problems.

"My health insurance would go up under Obamacare and I'm a healthy white male, why should I have to pay for old people?"

:rolleyes: Selfish pricks.

BTW everyone in my family is saving money and getting greater coverage as a result of the ACA.




my insurance did go up due to obamacare, from $327/mo t$540/mo,  I'm about
to see another $75/mo increase, under the ACA website, it's $900/mo for
comparable coverage


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InvisibleVivaLaMushie
RIP LS :(
Female User Gallery

Registered: 07/23/12
Posts: 15,711
Loc: Switzerland Flag
Re: I signed up for Obamacare. [Re: Prisoner#1]
    #19347121 - 12/30/13 04:28 PM (10 years, 1 month ago)

Fucking aye $900/mo for insurance.

That's a fucking house payment.


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
Re: I signed up for Obamacare. [Re: morrowasted]
    #19347129 - 12/30/13 04:29 PM (10 years, 1 month ago)

Quote:

morrowasted said:
What I have noticed is that under private insurance no coverage for psychological services was covered, there was no coverage for services for things like addiction treatment, and that my out of pocket expenses were higher at point of service (which is less manageable for a person like me). None of this is true of the ACA in my case.




Interesting, and you hit the salient point:  You took the time to wade into the weeds to figure out what services were (and weren't) covered.

It's not easy or convenient.  The info is in that gigantic book most people just toss aside once a year.  Regardless, you've decreased the chances of getting hit with a huge bill, then complaining about it afterwards.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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OfflinePatlal
You ask too many questions
Male User Gallery


Registered: 10/09/10
Posts: 44,812
Loc: Ottawa Flag
Last seen: 25 minutes, 44 seconds
Re: I signed up for Obamacare. [Re: Prisoner#1]
    #19347142 - 12/30/13 04:31 PM (10 years, 1 month ago)

Quote:

Prisoner#1 said:
Quote:

morrowasted said:
Quote:

Patlal said:
Well holy shit. A positive story about Obamacare. Call the news station or something, you seem to be the only satisfied American in the country



Nope, my entire family is registered and satisfied. The only people I can find who are pissed are selfish people who are watch too much mainsteam news, get caught up in their ideologies, or are mad about "lies" and feeling that they have to pay for other peoples' health problems.

"My health insurance would go up under Obamacare and I'm a healthy white male, why should I have to pay for old people?"

:rolleyes: Selfish pricks.

BTW everyone in my family is saving money and getting greater coverage as a result of the ACA.




my insurance did go up due to obamacare, from $327/mo t$540/mo,  I'm about
to see another $75/mo increase, under the ACA website, it's $900/mo for
comparable coverage




Isn't the government suppose to send you a cheque or something to help you pay for that?


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Offlinesonamdrukpa
Wayfarer


Registered: 10/18/11
Posts: 2,777
Last seen: 3 months, 1 day
Re: I signed up for Obamacare. [Re: VivaLaMushie]
    #19347145 - 12/30/13 04:31 PM (10 years, 1 month ago)

That sucks.  I understand the need for caution, but a sub-threshold dose (like <0.5g) of one of the safest substances on earth i feel like should be safe regardless of what he has and that it does help similar problems.  I'd be willing to try a lot of risky things to get rid of constant pain though, so take that with a grain of salt.


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
 User Gallery

Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: I signed up for Obamacare. [Re: VivaLaMushie]
    #19347154 - 12/30/13 04:32 PM (10 years, 1 month ago)

Quote:

VivaLaMushie said:
Fucking aye $900/mo for insurance.

That's a fucking house payment.




it's a paycheck for some people

obamacare was supposed to help insure 45 million people that were uninsured,
yet it provides no insurance, those people still have to pay, they may get a
tax break but they still have to pay until the end of the year


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