How to Protect Yourself From Obamacare

[Townsend]

Has anyone in Congress called for Roberts' impeachment yet?

[Hoss]

Has anyone in Congress called for Roberts' impeachment yet?

I found something out:  Coke Zero hurts when forced through the nasal cavities after laughing.

[Conan71]

Has anyone in Congress called for Roberts' impeachment yet?

Hannity already dropped "Judicial activism" this afternoon.

[Townsend]

Hannity already dropped "Judicial activism" this afternoon.

BOOM, here come the nutballs.

[Teatownclown]

Has anyone in Congress called for Roberts' impeachment yet?

Not Robert's yet, but there's some right wingnutz calling for Kagan's head.


Republican Congressman Suggests 'Impeachment' For Justice Kagan Over Obamacare Ruling
http://thinkprogress.org/justice/2012/06/28/508137/louie-gohmert-impeach-kagan/

[Townsend]

Is the "death panel"  thing still being pushed on people who refuse to read?

[Gaspar]

In response to the emotions expressed after the Obamacare announcement on Thursday, the organizers called in an insurance broker and consultancy firm (Willis Global) to give a presentation on a new option available to business owners released in response to Thursday's ruling.  They've created a program qualified as private benefit pooling, and it's got most of these guys quite excited.  It uses an unresolvable loophole in Obamacare.

Basically the companies stop providing health benefits directly to their employees.  No more shopping plans, or paying higher rates for all employees to cover a few employees with higher health risks.  Instead, the employer pays a "health & benefit payment" to each worker.  The insurance broker then offers dozens of plans from all over the country, and because the employee is purchasing it directly, many of the federal and state regulations barring interstate commerce among insurance providers does not apply.  By calling the payment a "health benefit" and making approved discounted plans available to workers, the business owner satisfies the requirements within Obamacare and is off the hook.  The responsibility then falls on the worker to purchase a plan that fits their needs, or they can pay the government fine for not purchasing insurance and use the rest of the money to go to Vegas. It's their choice.  Basically it removes employers from the benefit business all together. 

The consultant said that Obamacare was so poorly thought out that it may ultimately destroy the employer managed benefits monopolies and actually take us back to individual choice, basically doing the opposite of it's original intended purpose. One of the guys asked him about the possibility of the adoption of a single payer system, and he said that would simply resemble an expansion of medicare, and currently around 30% of physicians are no longer accepting medicare and that number is climbing.  To force people under a single payer program would require the government to force physicians to provide services, and there is no possible constitutionality in that.  He said, that sure other countries have done it, but they do not share the freedoms guaranteed under the constitution, and even those countries are beginning to allow doctors to function freely outside of the system now.

Everyone came out of the meeting feeling much better.  One of the guys actually started a chant of "Obama" "Obama" and there was much laughter.  So apparently there IS a way to protect yourself from Obamacare.

[AquaMan]

In response to the emotions expressed after the Obamacare announcement on Thursday, the organizers called in an insurance broker and consultancy firm (Willis Global) to give a presentation on a new option available to business owners released in response to Thursday's ruling.  They've created a program qualified as private benefit pooling, and it's got most of these guys quite excited.  It uses an unresolvable loophole in Obamacare.

Basically the companies stop providing health benefits directly to their employees.  No more shopping plans, or paying higher rates for all employees to cover a few employees with higher health risks.  Instead, the employer pays a "health & benefit payment" to each worker.  The insurance broker then offers dozens of plans from all over the country, and because the employee is purchasing it directly, many of the federal and state regulations barring interstate commerce among insurance providers does not apply.  By calling the payment a "health benefit" and making approved discounted plans available to workers, the business owner satisfies the requirements within Obamacare and is off the hook.  The responsibility then falls on the worker to purchase a plan that fits their needs, or they can pay the government fine for not purchasing insurance and use the rest of the money to go to Vegas. It's their choice.  Basically it removes employers from the benefit business all together. 

The consultant said that Obamacare was so poorly thought out that it may ultimately destroy the employer managed benefits monopolies and actually take us back to individual choice, basically doing the opposite of it's original intended purpose. One of the guys asked him about the possibility of the adoption of a single payer system, and he said that would simply resemble an expansion of medicare, and currently around 30% of physicians are no longer accepting medicare and that number is climbing.  To force people under a single payer program would require the government to force physicians to provide services, and there is no possible constitutionality in that.  He said, that sure other countries have done it, but they do not share the freedoms guaranteed under the constitution, and even those countries are beginning to allow doctors to function freely outside of the system now.

Everyone came out of the meeting feeling much better.  One of the guys actually started a chant of "Obama" "Obama" and there was much laughter.  So apparently there IS a way to protect yourself from Obamacare.

What a strange little world you live in. Little credibility left in your posts but I'm sure you all had a good time playing golf and sharing Obama jokes. Meanwhile the real world moves on.

[Gaspar]

What a strange little world you live in. Little credibility left in your posts but I'm sure you all had a good time playing golf and sharing Obama jokes. Meanwhile the real world moves on.

108 in the shade. Not good golf weather.

[nathanm]

The consultant said that Obamacare was so poorly thought out that it may ultimately destroy the employer managed benefits monopolies and actually take us back to individual choice, basically doing the opposite of it's original intended purpose. One of the guys asked him about the possibility of the adoption of a single payer system, and he said that would simply resemble an expansion of medicare, and currently around 30% of physicians are no longer accepting medicare and that number is climbing.

Clearly you and this consultant don't really grok the law. You'll note that most of the changes have the effect of making the individual market more realistically useful for a broader segment of society.

Regarding non-acceptance of Medicare, you may note that an increasing number of doctors don't accept any insurance at all. You pay cash at the time of service and if you want it paid for by an insurer, you get to submit all the paperwork for reimbursement. Fantastic if you're not too poor to pay out of pocket until you get the money from the insurance company.

[Conan71]

Clearly you and this consultant don't really grok the law. You'll note that most of the changes have the effect of making the individual market more realistically useful for a broader segment of society.

Regarding non-acceptance of Medicare, you may note that an increasing number of doctors don't accept any insurance at all. You pay cash at the time of service and if you want it paid for by an insurer, you get to submit all the paperwork for reimbursement. Fantastic if you're not too poor to pay out of pocket until you get the money from the insurance company.

He drank the



Man are you in for a shock in the next five years.  But keep on preaching against the obvious.

[heironymouspasparagus]

In response to the emotions expressed after the Obamacare announcement on Thursday, the organizers called in an insurance broker and consultancy firm (Willis Global) to give a presentation on a new option available to business owners released in response to Thursday's ruling.  They've created a program qualified as private benefit pooling, and it's got most of these guys quite excited.  It uses an unresolvable loophole in Obamacare.

Basically the companies stop providing health benefits directly to their employees.  No more shopping plans, or paying higher rates for all employees to cover a few employees with higher health risks.  Instead, the employer pays a "health & benefit payment" to each worker.  The insurance broker then offers dozens of plans from all over the country, and because the employee is purchasing it directly, many of the federal and state regulations barring interstate commerce among insurance providers does not apply.  By calling the payment a "health benefit" and making approved discounted plans available to workers, the business owner satisfies the requirements within Obamacare and is off the hook.  The responsibility then falls on the worker to purchase a plan that fits their needs, or they can pay the government fine for not purchasing insurance and use the rest of the money to go to Vegas. It's their choice.  Basically it removes employers from the benefit business all together. 

The consultant said that Obamacare was so poorly thought out that it may ultimately destroy the employer managed benefits monopolies and actually take us back to individual choice, basically doing the opposite of it's original intended purpose. One of the guys asked him about the possibility of the adoption of a single payer system, and he said that would simply resemble an expansion of medicare, and currently around 30% of physicians are no longer accepting medicare and that number is climbing.  To force people under a single payer program would require the government to force physicians to provide services, and there is no possible constitutionality in that.  He said, that sure other countries have done it, but they do not share the freedoms guaranteed under the constitution, and even those countries are beginning to allow doctors to function freely outside of the system now.

Everyone came out of the meeting feeling much better.  One of the guys actually started a chant of "Obama" "Obama" and there was much laughter.  So apparently there IS a way to protect yourself from Obamacare.

I suspect one of the unintended consequences of that course will be that your best employees will be looking very hard at other possibilities where the employer takes care of those issues, rather than putting yet another burden dealing with an HR issue onto the employee - like 401k versus defined benefit.

I have been in a company where they did that kind of health insurance game - basically had only major medical available that the employee had to deal with themselves.  We lost several people who were the ones we wanted to lose least (out of about 45 total size).  Cost a LOT more than any "savings" they thought they were gonna get.  I hear they are still struggling a little bit with those consequences, and it has been about 8 years.

But hey, it's your choice.  And could be your loss....

[Teatownclown]

Why? What happens in 5 years?

Look into your Krystal Ball....round one's over and the dim wit righties fail to see that single payer, the only solution, is coming soon after states realize that medicare for all will work. Especially, when you compare the 3 billion a year shortfall next to the gigamous amounts lost to the MIC.

BTW, what's Mary Mary to do?? Bail on the poor and indigent and the disabled and the elderly and the non-profit hospitals?
She's an idiot.

[Gaspar]

Regarding non-acceptance of Medicare, you may note that an increasing number of doctors don't accept any insurance at all. You pay cash at the time of service and if you want it paid for by an insurer, you get to submit all the paperwork for reimbursement. Fantastic if you're not too poor to pay out of pocket until you get the money from the insurance company.

REAAAALLLYYYY?  You should probably look into that.  Cash payment and use of out-of-network or unapproved services if reimbursed at all, are typically only partially covered and require the physician to submit paperwork to the insurance company.  If the physician runs a cash-only business he will not code and submit insurance reimbursements on the behalf of cash patients (that's kind of the point).

[Gaspar]

Why? What happens in 5 years?

Look into your Krystal Ball....round one's over and the dim wit righties fail to see that single payer, the only solution, is coming soon after states realize that medicare for all will work. Especially, when you compare the 3 billion a year shortfall next to the gigamous amounts lost to the MIC.

BTW, what's Mary Mary to do?? Bail on the poor and indigent and the disabled and the elderly and the non-profit hospitals?
She's an idiot.

Will we force physicians to operate under "expanded medicare?"  Will we make it illegal for doctors to open independent fee or membership clinics?

Remember. . .this has already happened elsewhere.