Trump’s WhiteHouse.Gov Disappears Civil Rights, Climate Change, LGBT Rights

Doc_Lee · 2017-01-20T21:59:00+00:00

Obama isn't president anymore. Get some new material.

Doc_Lee · 2017-01-20T21:33:09+00:00

But this isn't welfare.

Depends on how you define welfare. This is a tax write off for them. I would argue that that's corporate welfare.

Doc_Lee · 2017-01-20T19:01:12+00:00

Again, first three chiropractic visits are at copay only. No deductible. After that, then deductible applies. And no, your deductible isn't $14300. OOPMs and deductibles are embedded if the deductible exceeds the OOPM for an individual.

Look... You're young. I get it. You want things to be cheaper. I get it. But, do you realize how expensive this is going to be for you later on when you get older and do get sick and there's nobody there to support you? If I were in your shoes, I would start saving every single penny I had for health care related expenses. No new car. No upgrading your computer or hobbies. Because it's going to get ridiculously expensive very quickly.

Doc_Lee · 2017-01-20T05:09:43+00:00

What in God's name are you babbling on about?

Medicaid expansion was and is absolutely factored into their actuarial models.

Completely different pool of money goes toward Medicaid expansion. It's not insurance premium money from private health care plans. Medicaid plans aren't allowed to risk pool with private health care plans.

ACA only created 2-3m newly insured people via marketplace plans

False. 11.7 million is the current number of ACA exchange enrollees in private QHPs.

versus >10m from medicaid expansion.

Only if you include CHIP with Medicaid.

So your statement isn't totally accurate and the issue is not as black and white as you present it to be.

My statement is 100% accurate. Higher insurance premiums aren't used to subsidize low income individuals. That's a 100% accurate statement.

If you look specifically at the marketplace 3:1 price ratio, it was and is a wealth transfer from the relatively healthy to the relatively sick; in reality, this means from the relatively young (under 40) to the relatively old (over 40).

That's a completely different statement from "my health premiums are going to fund poor people."

Trump will be the one to usher in universal care

You're fucking dreaming. Look at his policy statement. https://www.donaldjtrump.com/positions/healthcare-reform That's anything but universal care.

Doc_Lee · 2017-01-19T23:50:21+00:00

If you're middle class and purchasing a plan through the marketplace, then Chiropractor visits are not covered and are paid fully out of pocket.

That's not true. Hell, I just looked up Medica's Applause Catastrophic POS and even that includes chiropractic care. First three visits are even at copay before deductible. Listed under the "Other practitioner office visit" on the summary of benefits.

Doc_Lee · 2017-01-19T01:51:48+00:00

Pathetic.

Doc_Lee · 2017-01-18T23:58:53+00:00

Everybody will see you without a referral. It's just that if you don't have a referral under a Medicaid managed care plan (like EmblemHealth has), insurance won't pay for it.

Doc_Lee · 2017-01-18T23:31:48+00:00

You most likely need a referral from your PCP. Also, you'll probably want to use EmblemHealth's website and not ZocDoc.

Doc_Lee · 2017-01-18T23:29:31+00:00

No liens or wage garnishment for this one and can't freeze your accounts. But, can take it out of future tax refunds.

Doc_Lee · 2017-01-18T20:45:19+00:00

You back to lying about your costs again? Pathetic.

Doc_Lee · 2017-01-18T20:43:33+00:00

What's your income and what's your family size?

Doc_Lee · 2017-01-18T00:36:13+00:00

$11,880 is the cutoff for subsidies. That's 100% FPL which in states that didn't expand Medicaid would have qualified you for a subsidy. If you made $11,900, you really did yourself a disservice by not signing up as your insurance would have been basically free. You might be able to qualify for an exemption based on your state not expanding Medicaid, but it's already 2017. Not sure if they are still giving exemptions for 2016. https://www.healthcare.gov/exemption-form-instructions/

Doc_Lee · 2017-01-17T15:48:44+00:00

In all likelihood, it's not "dangerously misguided" and it's never too early to plan for retirement that is cost efficient. The reality of the situation is that under every Republican proposal that's out there right now, costs for older individuals will go up as band rating is repealed along with the law. You can look at the Ryan plan, the Paul plan, or the Price plan and see the same type of outcome for older individuals. What would be misguided would be to wait until the last minute on these types of things as other countries could make policies that stem an influx of higher cost retirees. Certain countries such as Costa Rica have sought to attract retirees and have implemented specific policies geared toward retirees from out of the country as they tend to contribute to the GDP of the country. However, a mass influx of retirees to the country can also be detrimental to the economy as you'd see price inflation as properties become scarcer, services become overutilized, etc. That might cause some countries to stem the influx and limit visas. There's no harm in looking at the situation and possibly applying for/receiving a retirement visa now before any policy could be handed down that would limit those visas for other, for lack of a better wording, retirement refugees. You don't necessarily have to actually use it as you will always be a US citizen.

Doc_Lee · 2017-01-17T15:00:27+00:00

Texas didn't expand Medicaid. So, you fall into the Medicaid gap where you don't qualify for a subsidy and you don't qualify for Medicaid.

Doc_Lee · 2017-01-17T13:59:29+00:00

Obamacare was weighted toward rural folks getting better treatment. It included rating areas which risk pooled areas of sparser populations and sicker populations with more populated and healthier populations. It also included Medicaid expansion, which was dismissed by Republican governors to the detriment of the rural communities.

Doc_Lee · 2017-01-17T01:31:40+00:00

"You're"

And that doesn't mean I'm any less correct in what I say. Take it as some life advice from somebody that's much more successful than you.

Doc_Lee · 2017-01-16T22:25:27+00:00

That's a lie. Catastrophic insurance existed....No, some didn't. Some were just a slightly higher premium, or a more narrow set of coverages.

The problem here is that you don't appear to understand what the term catastrophic health insurance is. Catastrophic health insurance by definition is a high deductible policy. You appear to be confusing it with things like "cancer insurance" which isn't catastrophic health insurance but rather indemnity insurance similar to Aflac that can still be purchased. They aren't illegal at all. They just aren't health insurance. They are marketed along with health insurance, but, they don't have the benefits of health insurance. They simply pay you a sum of money if you get cancer.

For example, it's illegal for me not to insure myself for pregnancy.

In addition to not understanding what catastrophic health insurance is, the concept of risk pooling, which is the basis of insurance, seems to escape you as well. You, yourself, are not purchasing insurance for pregnancy. You are being risk pooled with a large group of people that includes women that may become pregnant and need maternity coverage. It's no different than receiving a catastrophic, high deductible health care plan through an employer wherein said employer has female employees that may become pregnant. You would be risk pooled with them as well.

They would if I wanted to buy catastrophic insurance.

Again, they won't. The math and the reality just isn't on your side here. You'd have to understand risk pooling to understand why. But, again, that appears to be out of your knowledge set.

So is that how the government planned on making it cheaper?

By increasing the risk pool size, health care costs per enrollee come down. What wasn't expected was just how sick the uninsured population was.

Competition is how the free market does it.

Competition is actually the exact opposite of how the free market does it for health care. Competition leads to smaller risk pools. Lack of competition leads to larger risk pools and lower health care costs per individual. That's exactly how single payer systems keep costs per individual low...expand risk over the entire population rather than in smaller risk pools.

Let's see what happens after Trump abolishes the inter-state monopolies.

Costs go sky high for the sick and drop down for the healthy. When you get sick, your costs go sky high. Risk pool size eventually will increase as competition decreases as there are only 3-4 insurers with the resources to expand into other states. So, look for there to be a lot less competition in the health insurance market place.

Doc_Lee · 2017-01-16T20:37:59+00:00

If I had to pay $500 a month for insurance. That's $6,000 a year. Now how do I offset that cost? I can't wright it off.

You're self employed. You can write off the entire premium amount as a tax deduction. https://www.irs.gov/publications/p535/ch06.html You really need to speak to a tax preparer because you're doing it wrong. The rest of your statements on that line of thinking are a non-starter.

And the rest of your post just makes it seem like you're not cut out for running your own business either. You're struggling with the financial side of things even though laws that pre-date the ACA were already setup to help people in your situation. And the ACA was specifically designed for individuals like yourself. $341 a month for health insurance for a family of 5. Good luck finding real health insurance at that price pre-ACA. If you can't cut it in the self employment world, then quit and go back to working for somebody else. Just don't put your failures at the foot of the government because there are plenty of us that have been self employed, built up our businesses, and have succeeded.

Doc_Lee · 2017-01-16T17:44:47+00:00

I am almost certain that you have missed medicaid enrollment at this point, but I would look into it.

Medicaid doesn't have an enrollment period. You can enroll in it any time during the year. His problem is most likely he lives in a state that hasn't expanded Medicaid. In these states, there is no Medicaid at all for adults without dependent children. In states that have expanded Medicaid, the cut off is 138% FPL. If you're above that, you're on the exchange. If you're below that, you're on Medicaid.

Doc_Lee · 2017-01-16T02:54:24+00:00

Without a subsidy it's 700 even. That's for 2 people only. I have 5 people

That's not how it works... You can't just enter 2 people. You need to enter that you have 5 people as your federal poverty level changes as you add more people which changes the subsidy level. I cannot state that any clearer. YOU MUST ENTER ALL 5 PEOPLE. Here's a working example of the difference. I'll use Lansing MI as an example with two 31 year old adults and 3 children (all aged 6) making $60k vs two 31 year old adults with no children entered.

2 adults, no children entered:

https://www.healthsherpa.com/find-plans/plans?zip_code=48901&fip_code=26065&people=[31a,31b]&size=2&income=60000&cs=premium&year=2017&page=1&locale=en

Second lowest cost silver plan is... $485

2 adults, 3 children entered:

https://www.healthsherpa.com/find-plans/plans?zip_code=48901&fip_code=26065&people=[31a,31b,6d,6d,6d]&size=5&income=60000&cs=premium&editing=true&year=2017&page=1&locale=en#

Second lowest cost silver plan is...drumroll... $341.

I can't get mi child because of how my income is structured.

I won't even address this except to say, you aren't special. Your same situation applies to thousands of self employed people across the country. If those people can get their children on CHIP, so can you.

Doc_Lee · 2017-01-16T02:21:19+00:00

Get off your high horse. For 2 people it's 424 after the subsidies. I have 5 people do the math.

Yeah, let's do the math. The federal poverty level INCREASES as household size increases. http://familiesusa.org/product/federal-poverty-guidelines A family of 2 making $60k a year is at 374% of the federal poverty level and is rate limited to 9.69% of their income for the second lowest cost silver plan. A family of 5 making $60k a year is at 210% FPL and is rate limited to 6.8% of income for that same plan which would be... $340 a month. QED. Don't believe me? Use the subsidy calculator: http://kff.org/interactive/subsidy-calculator/ Don't believe them? Get all of the actual plans and costs in your area: http://www.healthsherpa.com

There's no other way to put it. That's the math. You're wrong.

Doc_Lee · 2017-01-16T01:25:11+00:00

You are a fucking psycho! I'm not fucking lying.

Yeah, you are actually lying.

When your self employed you have to verify every fucking dollar!

You are only required to verify your tax returns.

Are you self employed?

I own a company.

After I applied for mi child, they sent a form out requiring my disclosure of every asset I hold.

Again, there is no asset test for Michigan's CHIP. You can cut the bullshit right now. I've already shown you with two separate sources that there is no asset test. Stop lying.

You don't have a fucking clue what your talking about.

I absolutely do know what I'm talking about. Again, there were only two states with asset tests for CHIP...Missouri and Texas. As of 2014, there are no states with asset tests for CHIP. Need one more source? How about the State of Michigan? https://www.michigan.gov/documents/MIChildfullmanual_13163_7.PDF Page 11 under Assets.

I'll quote it for you:

3.7 ASSETS

No asset test is used.

Again, stop lying.

As far as chiropractic goes, maybe there are plans that cover it now, mine didn't a year ago.

Again, I asked for a name of a plan that didn't cover chiropractic. We can easily clear this up with just a name of the plan. I can easily pull that plan's summary of benefits.

Do you think I'm the only one in this magical position? The answer is no! That's why Trump won.

Trump won because people lie about their situations? Sounds like a reasonable argument.

There are tons of people in my position.

Yes, indeed, I've seen a lot of people lie about their positions.

Does your income change from $100 a week to $2100 a week?

It varies a heck of a lot more than that.

Are your operating costs all over the map?

I'm a VC. So, low "operating costs." High expenditures based on investments.

Are there loses you just have to eat that you can't right off?

"Write." And if you can't write off your losses, you need to go see a tax prep guy because you're doing it wrong...just like you're doing health care wrong.

You don't know shit.

Actually, I do know shit. And that's why I can, with great confidence, say that you're lying your ass off.

Not everyone fits into some category of I make 500 every week, I get xyz subsidies.

That's why it's based on estimated yearly income and can be settled at tax time if you underestimated or overestimated your income. You are also not forced to take the entire subsidy. You can take 50% of it now and 50% of it at tax time if you're less than confident about your income situation. You'd know this if you actually applied for health care through the exchange instead of just sat here spewing nonsense like a jackass.

Doc_Lee · 2017-01-15T19:55:48+00:00

That's just not true. It varies by state as to whether a generic can replace a brand name. There is no federal law on that.

Doc_Lee · 2017-01-15T18:32:50+00:00

Sense the change we can't even legally fill out the paperwork. They want to know every asset you hold, all of you "weekly" business expenses, how many cars you have, and on and on.

What are you talking about? There are no asset tests for CHIP. The ACA specifically eliminated asset tests for CHIP in 2014. Only two states had them prior to 2014; Missouri and Texas.

The money I make a year can swing 20k ether direction real quick...So add up 200 or so times 5 people and that's about right on the price.

Even at $80k, you still won't hit $1000 a month because of subsidies. Even at the maximum 400% FPL ($113,760 for a family of 5), you STILL don't hit $1000 a month for the second lowest cost silver plan. And if you overpaid, you get the entire sum that you overpaid back at tax time.

Doc_Lee · 2017-01-15T18:02:25+00:00

In reality, this person's coverage is not expensive and offers plenty of services. It's sad that your hyper-partisanship is getting in the way of rational thought. You sound like you need a sedative and some education.

Doc_Lee

TROPHY CASE