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View Diary: How ACA can save lives: let’s visit my Emergency Room on Thanksgiving morning (158 comments)

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  •  Not all plans are like this, and caps help (5+ / 0-)

    The choices I had included some with smaller deductibles and larger co-pays (and always with a cap on your total out-of-pocket costs, $6350 for bronze, I think $2,250 for silver), and on all of them preventative care including a number of screening tests has no copays or deductibles. It's not perfect, but it's better than Medicare which has significant copays -- and no cap on out-of-pocket. So no, you should not be facing "ruinous medical bills" -- the cap will kick in, and you'll be 100% covered after that. More significantly, you can get treatment in the first place and negotiate later how to pay the remaining copays or deductibles.

    Single payer would have significant advantages. But like Medicare, I assume it would still have deductibles and co-pays, not cover 100% of everything from Day 1.

    •  And there are subsidies to (2+ / 0-)
      Recommended by:
      ybruti, Eyesbright

      cover some of the out-of-pocket costs.

    •  what do you call Britain's NHS? (1+ / 0-)
      Recommended by:
      Eyesbright

      no co-pays save prescription medicines out of hospital that I know of.....

      yes there are drawbacks, but boy oh boy does it make sense!

      •  Single payer in the original format (1+ / 0-)
        Recommended by:
        Eyesbright
      •  NHS is a fully socialized system. (0+ / 0-)

        Doctors are employees on fixed salaries and don't expect an income as high as our docs do. They don't get paid more for ordering more treatments which is what up the costs. The hospitals are government owned too.

        But it too has problems.

        Yes, overall it makes sense. But this is a different country and private property interests are more protected than people.

        There is no way to get the US to a completely socialized system save a revolution.

        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 Sun Dec 01, 2013 at 04:05:17 AM PST

        [ Parent ]

    •  I've always had a cap on my out of pocket costs (0+ / 0-)

      but now I have to pay twice as much for a policy that doesn't cover as much up front that I had before!!

      Not a really great bargain.

      •  you may have been in a very healthy grouup (0+ / 0-)

        Were you ever really sick or in need of a lot of services? Were you in the individual market? Do you know what your 2014 premium, etc would be if the policy you had was continued?

        who said it would be a great bargain?

        As time goes on the ACA will reduce costs of care and premium will start to drop.

        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 Sun Dec 01, 2013 at 04:08:14 AM PST

        [ Parent ]

    •  As far a Medicare goes when you add part B and (2+ / 0-)
      Recommended by:
      Just Bob, saluda

      a medicare supplement plan to it you get very comprehensive coverage for just about what the ACA is delivery to me now for the same cost.

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