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One man's ObamaCare nightmare


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2013 Sep 24, 4:39am   22,525 views  105 comments

by zzyzzx   ➕follow (7)   💰tip   ignore  

http://www.foxnews.com/politics/2013/09/24/one-man-obamacare-nightmare/

Andy and Amy Mangione of Louisville, Ky. and their two boys are just the kind of people who should be helped by ObamaCare. But they recently got a nasty surprise in the mail.

"When I saw the letter when I came home from work," Andy said, describing the large red wording on the envelope from his insurance carrier, "(it said) 'your action required, benefit changes, act now.' Of course I opened it immediately."

It had stunning news. Insurance for the Mangiones and their two boys,which they bought on the individual market, was going to almost triple in 2014 --- from $333 a month to $965.

The insurance carrier made it clear the increase was in order to be compliant with the new health care law.

"This isn't a Cadillac plan, this isn't even a silver plan," Mangione said, referring to higher levels of coverage under ObamaCare.

"This is a high deductible plan where I'm assuming a lot of risk for my health insurance for my family. And nothing has changed, our boys are healthy-- they're young --my wife is healthy. I'm healthy, nothing in our medical history has changed to warrant a tripling of our premiums.

"Well I'm the one that does the budget,” said his wife. "Eventually I've got that coming down the pike that I gotta figure out what we're gonna cut what we're gonna do, to afford a $1,000 a month premium."

Their insurance company, Humana, declined to comment, but the notice to the Mangiones carried this paragraph:

" If your policy premium increased, you should know this isn't unique to Humana -- premium increases generally will occur industry-wide.

"Increases aren't based on your individual claims or changes in health status," it continued. "Many other factors go in to your premium including: ACA compliance, including the addition of new essential health benefits."

ACA, of course, is the abbreviation for the President's new law, the Affordable Care Act -- which for the Mangiones will be anything but affordable because the law adds a new tax on every insurance policy and requires a list of additional benefits the Mangiones didn’t want to pay for.

Robert Zirkelbach, spokesman for American Health Insurance Plans, which represents insurers,explained that "for people who currently choose to purchase a high deductible, low premium policy that's more affordable for them, they are now being required to add all these new benefits to their policy.

That," he says, "is also going to add to the cost of their health insurance premiums."

#politics

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97   Homeboy   2013 Sep 30, 1:58pm  

mell says

Speaking for the bay area, 100K is extremely tight for a single family. 200K is where you can lead a middle-class life without having to worry too much about finances and can also make some smaller investments. And that's where Obummer starts taxing, go figure.. ;)

A. He doesn't live in the Bay Area.

B. Bullshit. I know plenty of people who make a living in the Bay Area under $100K just fine.

Most rich people are in denial about the fact that they are rich. The fact is, if you make over $200,000, you are one of the richest 3.9% in America.

And that's what this anti-Obamacare campaign is all about. It's just rich people wanting to hoard EVERYTHING, and crying about the possibility that someone poorer than them might actually get some help from the government.

98   Homeboy   2013 Sep 30, 2:05pm  

errc says

If Marcus and Homeboy band together to claim something is good, that's all i need to know to be certain it's bad.

I don't doubt that at all. That's how you think - you are a knee-jerk reactionary who forms his opinions on emotional partisan grounds rather than facts.

99   curious2   2013 Sep 30, 2:05pm  

bob2356 says

Are OTC medications more expensive in Mexico than America?

No, America has the lowest prices in the world for OTC drugs. I even provided links for you, and reminded you in this very thread, but you keep forgetting. If you can find a link showing anyplace where OTC drugs are cheaper than they are here, post it. Otherwise, give it up already.

Homeboy says

And that's what this anti-Obamacare campaign is all about. It's just....

A majority of Americans oppose Obamacare in poll after poll. Even Obama opposed it in 2008, when it was called Hillary's Plan, and he campaigned against it. Even Bob opposes it, and he rushes to defend you on almost anything else. Now parts of the government are shutting down because one party won't accept it and the other party won't let go of it and neither party will put it to a referendum (where voters would reject it).

100   Homeboy   2013 Sep 30, 2:17pm  

CaptainShuddup says

Homeboy what in the fuck do you know about finances, the state and federal comptroller is your only income source?

Funny, you make all these comments about me wanting government money, yet YOU are the one constantly whining because you aren't eligible for healthcare subsidies, and wanting a system where tax money from the middle class goes to pay for YOUR healthcare.

This shit is too funny. I couldn't even MAKE this up.

CaptainShuddup says

That's OK I'll take it. I make 6 figures and shit's tight.

I know people who make HALF what you make, and they're doing just fine. You know, you don't have to spend every dime you make as soon as you get it.

CaptainShuddup says

Just wait in a few more days when this shithole legislation goes live. There's going to be couple 10 million middle class workers that are going to turn into "incompetent managers of their finances."

And they'll all Vote Republican in 2014 and 2016, I Guaran-Fuckin'-Tee it.

Ain't nobody going to EVER vote republican again, except maybe rich assholes like you. The republifarts put all their eggs in the "shut down Obamacare" basket. They're going to fail at that, and after people get used to ACA, they're going to say, "Wow, those republijerks sure were retarded when they tried to shut down the government for no reason." They might still get the votes of the top 20% wage earners like yourself, who make too much money to get an insurance subsidy, but 20% isn't enough to win an election, buddy. That's why Romney got his ass handed to him. He sided with the elite, so the middle class said, "Fuck you, pal."

101   bob2356   2013 Sep 30, 6:25pm  

curious2 says

No, America has the lowest prices in the world for OTC drugs. I even provided links for you, and reminded you in this very thread, but you keep forgetting. If you can find a link showing anyplace where OTC drugs are cheaper than they are here, post it. Otherwise, give it up already.

Your link goes to a contact page, nothing else. Always did, I told you that before. Guess your memory isn't as good as you would like think.

http://farmaciadelnino.com/eng/index/item/455/27/aspirin-aspirin-500mg-40tab
http://www.walgreens.com/store/c/bayer-extra-strength-aspirin-500-mg-coated-caplets/ID=prod6212688-product
http://www.amazon.com/Bayer-Advanced-Aspirin-Strength-Tablets/dp/B004Z5GYVU

Bayer 500 mg aspirin. Simplest med there is.
farmcia 40 pack 2.55 USD 6.3cents per pill. walgreens 100 pack 9.79. 9.7cents per pill. amazon.com 80 pack 18.12. 22 cents per pill. Note that bayer no longer sells 500's in anything but coated in the US. Might make a very very small price difference.

http://farmaciadelnino.com/eng/index/item/425/27/alka-seltzer-12tab
http://www.walgreens.com/store/c/alka-seltzer-original-antacid-%26-pain-relief-medicine-effervescent-tablets/ID=prod351429-product

Here's an oldy but goody plain old alka seltzer. breakfast of champion (drinkers that is) everywhere plop plop fizz fizz. Exact same product both places. My math says cheaper in Mexico. It seems odd to see Farmacia online. I've bought things in a Farmacia Del Niño store, I think in Nuevo Larado, it's a chain like walgreens,

I know for damn sure I paid less for OTC when I lived in Costa RIca, although I have to concede that was a 10 years ago. I paid less for many things. I paid a more (sometimes a lot more) for some things, mostly imported manufactured goods. Levi jeans were just off the scale at something like 5 times walmart prices.

Funny things like this sometimes happen to prices when duties, taxes, and subsidies get involved. Makes it very tough (like pretty much impossible) to do an accurate country to country evaluation. Which is why relative pricing is usually a better way to look at things, although far far from perfect. PPP is supposed to do a better job in theory, but I find it's pretty far off in places, like sometimes way over weighting local goods. Especially in economies with high degrees of barter. All of which makes your stone axe simplistic price comparisons useless. As are my examples above other than in the most crude form of metric.

Still no answer to my original question? Pitiable.

102   curious2   2013 Sep 30, 6:49pm  

bob2356 says

Still no answer to my original question?

I did answer your original question, though you tossed in a bunch of extra rhetorical questions. As for the contact information, if you don't believe U.S. News & World Report, that's between you and them, I'm not going to fight them on your behalf when their report is consistent with my own observations.

I do appreciate the links. I see yet another difference between us though; you look for brand name items, I read active ingredients. I provided a link showing the cost of aspirin (a generic term in the US since the end of WWI), you replied with brand name Bayer. But, I'll give you credit where it's due, indeed your link showed a cheaper price for Bayer brand aspirin. Walgreens brand contains the same active ingredient, and even adjusting for dosage it costs less than half as much as your link. Likewise the Walgreens equivalent of your Alka Seltzer Original:

http://www.walgreens.com/store/c/walgreens-effervescent-pain-relief-tablets/ID=prod2775-product

BTW, if you're taking maximum strength aspirin, plus Alka Seltzer Original (which also contains aspirin), that's a lot of aspirin. With GI symptoms requiring Alka Seltzer, you might want to "ask your doctor" about ways to reduce your aspirin intake. Aspirin can cause bleeding ulcers, which can be fatal. Most people are happy with the usual 325mg tablets, two of which add up to 650mg, the maximum typical dose; two Bayer Maximum plus 2 Alka Seltzer Original would be nearly triple that.

I don't know why you keep bringing up extraneous products like jeans and gasoline, the subject was OTC drug prices. Your brand name drugs do provide a counterpoint, though people who shop for value buy the generic not the celebrity endorsement. Maybe your point was, if you're buying a jingle or celebrity endorsement that happens to contain some aspirin, it can be found for less in places where celebrity endorsements don't pay as well. I was referring to actual OTC drugs, not keeping up with the Kardashians and their latest branded ventures. Anyway, thank you for the links.

103   bob2356   2013 Oct 1, 7:07pm  

curious2 says

As for the contact information, if you don't believe U.S. News & World Report, that's between you and them, I'm not going to fight them on your behalf when their report is consistent with my own observations.

What report is there to believe? Your link doesn't go to a report of any kind, never did. What don't you understand about this?

Where did you answer the question? It's not there. Do you advocate government control of purchase, pricing, and availability of prescription drugs in order to lower prices. It's a not hard question to grasp. Except the question points up one of the glaring contradictions in your logic so I can see why you want to avoid actually answering it.

curious2 says

I do appreciate the links. I see yet another difference between us though; you look for brand name items, I read active ingredients. I provided a link showing the cost of aspirin (a generic term in the US since the end of WWI), you replied with brand name Bayer.

Finding a generic prices for overseas items through the internet just isn't possible. The overseas stores don't put up generic prices that I could find. You should know that. Plus it's more consistent to compare name brands. You made the blanket statement that the US has the cheapest otc prices. Period, no qualifiers. I wasn't aware that all those shelves after shelves of name brand medications in walgreens and walmart weren't "actual" otc drugs. Trying to weasel the argument one more time are we?

curious2 says

I don't know why you keep bringing up extraneous products like jeans and gasoline, the subject was OTC drug prices

My point, made at length, was that direct comparisons of raw prices between countries is pretty meaningless. Either you are being deliberetly dense on the subject or just don't have any understanding at all of the basic fundamentals involved in any kind of international commerce.

104   elliemae   2013 Oct 2, 12:43am  

I have a friend who hates the Affordable Care Act - she thinks it's intrusive. She was describing her sister, who is sick and has no income and no health insurance. She's under 65 years old so she doesn't qualify for Medicaid or financial assistance due to her children not being in the home. It's a sad situation - and the woman has severe health problems.

So, my buddy was describing how awful it is that her sister is in this situation and the horrible pain and symptoms - but when I said that will all change she went on a rant and complained about moochers & Obamacare. I asked why she doesn't help her sister and she said that it's not her responsibility. When I reminded her that her healthcare is subsidized by her employer but her oldest daughter has Medicare & Medicaid... well, another rant.

And that, folks, is why we need the Affordable Care Act.

105   Tenpoundbass   2013 Oct 2, 6:22am  

elliemae says

And that, folks, is why we need the Affordable Care Act.

So that everybody pays their fair share.

It doesn't sound like her sister can afford the premiums, copays, or deductibles. I sure as hell can't, and I WAS loaded.

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