Obama Care

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Obama Care

Post by Cr0ck1 » Wed Nov 06, 2013 7:17 pm

My family is good too. The place my wife works at carries their own in house health ins!


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Re: Obama Care

Post by FLQuacker » Wed Nov 06, 2013 9:33 pm

I'm covered under my employer provided plan as well. (family)

My contribution increased 25%....same plan as last year. So I'm assuming the total cost increased about the same.

My concern now is that may have elevated the dollar value to the taxable figure.....great!

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Re: Obama Care

Post by Iluv2hunt » Thu Nov 07, 2013 7:52 pm

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Re: Obama Care

Post by nachogrande » Fri Nov 08, 2013 10:18 am

First let me start with, I AM NOT AN OBAMA FAN & DID NOT VOTE FOR HIM, nor am I trying to make excuses for him. The healthcare system is broken, not just here but worldwide. Think people in other countries have it made with socialized medicine? Talk to them and see how they feel about a 30-50% +/- income tax & not being able to pick their own Dr or get seen in a timely fashion. It is my strong belief it is something that simply can't be fixed to work well & satisfy everybody, and is political suicide to attempt it. Why do you suppose Obama didn't push it hard during his first term? If he had he wouldn't have had a 2nd term. Could the gov't put profit limits on pharmaceutical & insurance companies? Maybe, but not without trampling the constitution & free enterprise system. A healthcare system that can work for old/young, sick/healthy, rich/poor, and operate being able to make enough profit to sustain itself just aint gonna happen. Sorry to be DEBBIE DOWNER. My guess would be that WHEN Obama care fails, or is revoked by the next POTUS. Healthcare will revert back to the private sector, the Gov't will wash their hands of the mess and not want to get involved, kind of like AFRICA. If I or anyone had the answer, or a plan that actually worked, Bill Gates would be shining our shoes.
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Re: Obama Care

Post by ArcheoGator » Fri Nov 08, 2013 11:48 am

nachogrande wrote:First let me start with, I AM NOT AN OBAMA FAN & DID NOT VOTE FOR HIM, nor am I trying to make excuses for him. The healthcare system is broken, not just here but worldwide. Think people in other countries have it made with socialized medicine? Talk to them and see how they feel about a 30-50% +/- income tax & not being able to pick their own Dr or get seen in a timely fashion. It is my strong belief it is something that simply can't be fixed to work well & satisfy everybody, and is political suicide to attempt it. Why do you suppose Obama didn't push it hard during his first term? If he had he wouldn't have had a 2nd term. Could the gov't put profit limits on pharmaceutical & insurance companies? Maybe, but not without trampling the constitution & free enterprise system. A healthcare system that can work for old/young, sick/healthy, rich/poor, and operate being able to make enough profit to sustain itself just aint gonna happen. Sorry to be DEBBIE DOWNER. My guess would be that WHEN Obama care fails, or is revoked by the next POTUS. Healthcare will revert back to the private sector, the Gov't will wash their hands of the mess and not want to get involved, kind of like AFRICA. If I or anyone had the answer, or a plan that actually worked, Bill Gates would be shining our shoes.
You asked if the government can put profit limits. Don't they already do this with utilities? Maybe not necessarily limits, but don't our utility companies need approval before they raise rates? This is done, because water and electricity are deemed to be essential. It's an honest question, because I am curious about how we can set rates in one sector but not another.

I am all for free enterprise, and would take caution with anything that approaches socialism. However, the free market does not work with medicines that people have to have to stay alive. In my case, with insulin, there are only two primary manufacturers. Well, the free market says if I don't like the rates of one, I go to the other. However, there are only two, and they both charge the same. At the same time, if I say, "fine, I won't buy your product," I have about 30 days to live or possibly 6 months if I choose a starvation diet.

There are articles all over the web that point to the high cost of insulin being due to profit; not even R & D. In 1921, the original patent sold for $1, because the doctors wanted to get it produced and start saving lives. Now, it cost hundreds per month. I know that many, many others are in the same boat with other conditions.

That is what ObumaCare fails miserably at. He was so damned concerned to say "everyone now has insurance" that no one addressed whether or not people could afford their doctors and medications at the current rates. Yes, the system is broken, but to fix it, we have to attack it at the right angles instead of just looking at the surface.

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Re: Obama Care

Post by nachogrande » Fri Nov 08, 2013 12:38 pm

I am far from an expert but do know that when the gov't, be it fed or state gives $, they get to attach certain strings/conditions that the recipients need to follow LIKE: you need to accept/treat abc &xyz Pt's, fill out certain paperwork a certain way, etc. It is extremely complicated & WAY above my pay grade to understand it all. Honestly I don't believe a single person could understand it all, there is that much of it, on so many levels. From my work at a VAMC we would get a budget but could only spend certain amounts for certain things. you could not buy certain medicines at all and had a limit on those you could, but the walls got painted every 4-6 months and carpet changed every 6, & that is just one tiny corner of the gov't. Yes I agree pharmaceutical companies make obscene price markups. As for state or federal denying a rate increase, when was the last time you heard Fla say no to an insurance co, utility, bank etc. increase. If you think you are safe because you have an insurance plan NOW, dramatic price increases and people being dropped are predicted. I understand your situation all too well as I am now on a fixed income myself.
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Re: Obama Care

Post by ArcheoGator » Fri Nov 08, 2013 1:16 pm

I think we are agreeing, but neither of us know how to change the system by ourselves. I am just so frustrated at so many things on so many levels.

I saw the same waste in education, as a former teacher.

You are right about the rate increases. I was just curious why those regulations exist there but not elsewhere. Though I also know that regulations have loopholes or are flat out not enforced. I think everything just got too complicated, and though I know a few things, my knowledge is WAY limited regarding what really goes on behind that curtain.

I'm sorry for the vents, but I think I am getting so shafted. I came from a poor neighborhood where our trailer was shot at and hunger was daily. Because of my personal ethics, I played life by the rules. Now, I look at our income and can't help but realize that ten years ago on our income we would be so comfortable, own our stuff, take vacations, etc. However, we are constantly getting slammed with taxes here, taxes there, prices going up on everything, and now this healthcare implosion. On top of that, being a parent causes me so much worry for my kids.

Perhaps it's time to hit the woods. General gun starts here this weekend, so maybe I'll hit it Monday or Tuesday.

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Re: Obama Care

Post by M12Gunboy » Fri Nov 08, 2013 6:25 pm

P'duck wrote:I feel for each and every single person on this forum, those I truly feel for are our children and grandchildren. Thank goodness for now at least my family is safe from Obamascare! Being medically retired from the Army we carry our insurance through Tri-Care and if need be I'm covered by the VA. I do not have a single clue what we would do if we were hit with a $600-1000 monthly bill for insurance with a very unrealistic deductible as well.
I heard a rumor our Tri-Care rate could go up again, hope it's like the last increase we had. I figure 21 years of service, 13 deployments and overseas assignments and many cold nights in the field earned me a rate of $118.00 a quarter for a family of four. This Obamacare plan is BS! I feel for every working American who will be forced to pay, one way or another, and in the end the freeloaders will continue to take and not contribute.

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Re: Obama Care

Post by drgn4sr » Fri Nov 08, 2013 10:36 pm

It is my understanding that FPL has a guaranteed rate of return-18%. I was advised this was to keep the investors. Now that is a business to be in. How can u pass a law that no one reads, understands and doesn't apply to himself. "you will have to pass it to know what is in it". Sound familiar?? I have become my father-as I get older the more frustrated I am with govt. think "TERM LIMITS". These idiots could not run a Saturday car wash!! :clap

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Re: Obama Care

Post by 9dawgs » Sat Nov 09, 2013 2:01 pm

M12Gunboy wrote:
P'duck wrote:I feel for each and every single person on this forum, those I truly feel for are our children and grandchildren. Thank goodness for now at least my family is safe from Obamascare! Being medically retired from the Army we carry our insurance through Tri-Care and if need be I'm covered by the VA. I do not have a single clue what we would do if we were hit with a $600-1000 monthly bill for insurance with a very unrealistic deductible as well.
I heard a rumor our Tri-Care rate could go up again, hope it's like the last increase we had. I figure 21 years of service, 13 deployments and overseas assignments and many cold nights in the field earned me a rate of $118.00 a quarter for a family of four. This Obamacare plan is BS! I feel for every working American who will be forced to pay, one way or another, and in the end the freeloaders will continue to take and not contribute.
Yeah, it ain't a rumor M12, the rates are scheduled increase every year until they get to something like $1300 a year for a family with Tri-Care Retiree Prime. It's still better than anything you can get on the outside. I ain't holding my breath though on that not climbing further or quicker than scheduled. Hagel has been talking about cutting the "entitlements" the "overpaid" (he is totally full of horse crap) military gets including active duty, reserve and retirees. He says the active duty folks will have to tighten their belts. I know when I was active duty we were eligible for food stamps with the pay I got. I never took them but I could have and was told to do so on several occasions when I was enlisted. These politicians have no clue what goes on in real life.

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Re: Obama Care

Post by blackpowderscout » Sat Nov 09, 2013 6:49 pm

I have almost 15 total and 11 active years and I'm seriously considering throwing it all away due to what Hagel and Obama and their cronie azz generals have created. I've spent more time in the last 2 years training how not to rape women and offend gay folks than I have how to do my job. Im over it. The leadership of the military at it's highest levels has sold out. I wish id done something else. At least id have a trade. Not much call for door kickers and trigger pullers these days. Oh well. Maybe it'll be easier once the women hit the ranks. We'll have lots of time to wait while they catch up.
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Re: Obama Care

Post by ArcheoGator » Sat Nov 09, 2013 7:00 pm

blackpowderscout wrote:I have almost 15 total and 11 active years and I'm seriously considering throwing it all away due to what Hagel and Obama and their cronie azz generals have created. I've spent more time in the last 2 years training how not to rape women and offend gay folks than I have how to do my job. Im over it. The leadership of the military at it's highest levels has sold out. I wish id done something else. At least id have a trade. Not much call for door kickers and trigger pullers these days. Oh well. Maybe it'll be easier once the women hit the ranks. We'll have lots of time to wait while they catch up.
All I can say blackpowder, is to at least thank you for being in. You and all the others. I went to a USMC recruiter during high school, and when they found out I was on insulin, he said, "Son, we would draft priests before you." So that went my shot. Branches of my family have been here since the 1500s, and made sacrifices from the Revolution on to what we have going on today.

As for door kickers and trigger pullers, I can only hope those skills won't be needed domestically.

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Re: Obama Care

Post by M12Gunboy » Sat Nov 09, 2013 9:12 pm

blackpowderscout wrote:I have almost 15 total and 11 active years and I'm seriously considering throwing it all away due to what Hagel and Obama and their cronie azz generals have created. I've spent more time in the last 2 years training how not to rape women and offend gay folks than I have how to do my job. Im over it. The leadership of the military at it's highest levels has sold out. I wish id done something else. At least id have a trade. Not much call for door kickers and trigger pullers these days. Oh well. Maybe it'll be easier once the women hit the ranks. We'll have lots of time to wait while they catch up.
I did 10 years enlisted to SSG/E6 and went Warrant Officer spending the next 11 years active and retiring a CW4. I hear you about being marketable as a combat arms guy, not likely. It was alot of BS and policy I didn't necessarily agree with but well worth it in the end. The switch from enlisted to Warrant was the best move I ever made, none of the enlisted BS games, details, additional duties, accountablity, etc and all of the privledges the regular commissioned officers received, including pay. Additionally, I didn't have to play nearly as many politics, although there were some, as the regular commissioned officers nor was I "over all responsible" as a commander when it came to the mission/troops. I did have command three times, but it was for three detachments with less than 20 troops each. My health care today is $480.00 a year, dental is $600.00 a year, and I get nearly $2500.00 a month to wake up on the 1st of every month in addition to what I get from VA in $$$$ and medical benefits.

Some advise... I was in the intelligence and security field, which has a civilian counterparts (GS) in all of the services and other DOD and national intelligence organizations. Most of my soldiers over the years were soldiers who reclassified, most former combat arms and made the switch to intelligence between the grades of E-4 and E-6. They too understood that they had to be marketable to do other things after the Army within the federal goverment or on the outside. I was one of the few who came in as an intell guy and stayed till the end. After retirement I worked as a government contract employee as a civilian for 4 years and have just accepted a GS-13 position as a full time government civilian. Find a military occupational speciality that has a civilian equivilent for the government and stay 20, then transition as a civilian (GS) doing the same work, for a bit more money plus your retirement.

My two cents...

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