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View Diary: Why is nobody talking about the OTHER Obamacare subsidy? (178 comments)

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  •  I don't do reimbursement. If it isn't covered (1+ / 0-)
    Recommended by:

    at the office, I don't go. I don't have money to loan to the insurance company while they decide what they're going to pay. They already get too much of my money up front. If it's going to come in the form of reimbursement, it's no more use to me than the insurance I have now that costs more than 1/4 of my income.

    •  I understand. That's the choice involved, to go (1+ / 0-)
      Recommended by:
      second gen

      strictly on panel, or if you already have doctors you like then you can be forced to the reimbursement game off panel. My doctor's not on any panels, he stopped doing them. I don't want to go to other doctors, so that's what I do.

      •  My doc is in all the plans. Which is interesting, (0+ / 0-)

        since he's against the ACA.

        Since just about any plan with subsidy is much less than what I'm paying now, with deductibles I can't afford after I pay the premium, I'm seriously considering going with Gold to get the lower deductibles.

        •  Yeah, that's a good thing to think over, those (0+ / 0-)

          choices. I was trying to decide between some kind of silver where after a couple months I could get the deductible out of the way (I have chronic health issues right now) or go with the gold. Or I might go with Medicaid but I was waiting for our state to show what they cover/don't cover etc.

    •  You need to check out the exchange (0+ / 0-)

      You should not have to pay more than 9.8% of income and quite a bit less depending on your income level.

      And the false economy, in your case based on a weird premise: "I don't have money to loan to the insurance company while they decide what they're going to pay" is silly. Actually you are paying the doctors before they get any insurance. Your copay is not going to the insurer at any time. If it is refundable it should be coming from the Doctor's office.

      Meanwhile you could have a problem that could be treated more simply and cheaply than it would be later.  

      I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

      by samddobermann on Sat Nov 23, 2013 at 04:24:01 PM PST

      [ Parent ]

      •  No. It's not silly. If I don't have the money (0+ / 0-)

        to pay for a $100 doctor visit and wait until insurance decides how much I'm reimbursed, I don't go.

        Under my current plan, I know exactly how much I need to pay, and insurance handles the rest. No reimbursement necessary.

        As for problems treated more simply, That train left 10 years ago.

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