| Topic: |
Politics > Politics-USA |
| User: |
"Wayne H. Wilhelm" |
| Date: |
17 Mar 2006 12:31:59 PM |
| Object: |
Aultcare health insurance equals disaster |
What they didn't tell me...
Not even two (2) months into my new health insurance agreement (switched
Feb. 1, 2006), disaster has already struck, not once, but twice. The latest
news to hit me:
I no longer get the heart medication discount offered via the mail and I am
required to pay the full price up-front. In my case, this comes to a
whopping $520.00, even though my prescriptions will still be handled by
Bioscrip Pharmacy Services
http://www.hiddenpolitics.com/hsa.htm (full story)
Aultcare high-deductible health insurance plan equals disaster.
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| User: "RobH" |
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| Title: Re: Aultcare health insurance equals disaster |
17 Mar 2006 01:55:11 PM |
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"Wayne H. Wilhelm" <doremewayne@quadracalc.com> wrote in
news:zgDSf.40963$9I5.4828@tornado.ohiordc.rr.com:
What they didn't tell me...
Not even two (2) months into my new health insurance agreement
(switched Feb. 1, 2006), disaster has already struck, not once, but
twice. The latest news to hit me:
I no longer get the heart medication discount offered via the mail and
I am required to pay the full price up-front. In my case, this comes
to a whopping $520.00, even though my prescriptions will still be
handled by Bioscrip Pharmacy Services
http://www.hiddenpolitics.com/hsa.htm (full story)
Aultcare high-deductible health insurance plan equals disaster.
What do you expect. This is America, healthcare is only for the upper
class. If you don't like it, move to Canada, or France, or Germany, or
practically any other civilized country in the world. They all have
communist health care systems
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| User: "Larry Hewitt" |
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| Title: Re: Aultcare health insurance equals disaster |
17 Mar 2006 04:09:23 PM |
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"Wayne H. Wilhelm" <doremewayne@quadracalc.com> wrote in message
news:zgDSf.40963$9I5.4828@tornado.ohiordc.rr.com...
What they didn't tell me...
Not even two (2) months into my new health insurance agreement (switched
Feb. 1, 2006), disaster has already struck, not once, but twice. The
latest
news to hit me:
I no longer get the heart medication discount offered via the mail and I
am
required to pay the full price up-front. In my case, this comes to a
whopping $520.00, even though my prescriptions will still be handled by
Bioscrip Pharmacy Services
http://www.hiddenpolitics.com/hsa.htm (full story)
Aultcare high-deductible health insurance plan equals disaster.
And you are surprised??
I've posted a few times the results of different surveys and analyses that
show that HSAs:
--- increase costs for the patient
--- only benefit employers
--- reduce patient satisfaction with the quality of their care
--- cause more people to lose their health insurance
But that shouldnl;t have been a surprise. They were pushed by neocons
wanting to incrfease profits for thier business contirbuters.
Larry
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| User: "Wayne H. Wilhelm" |
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| Title: Re: Aultcare health insurance equals disaster |
18 Mar 2006 01:09:34 PM |
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"Larry Hewitt" <larryhewi@comporium.net> wrote in message
news:dvfc40$ca69$1@news3.infoave.net...
"Wayne H. Wilhelm" <doremewayne@quadracalc.com> wrote in message
news:zgDSf.40963$9I5.4828@tornado.ohiordc.rr.com...
What they didn't tell me...
Not even two (2) months into my new health insurance agreement (switched
Feb. 1, 2006), disaster has already struck, not once, but twice. The
latest
news to hit me:
I no longer get the heart medication discount offered via the mail and I
am
required to pay the full price up-front. In my case, this comes to a
whopping $520.00, even though my prescriptions will still be handled by
Bioscrip Pharmacy Services
http://www.hiddenpolitics.com/hsa.htm (full story)
Aultcare high-deductible health insurance plan equals disaster.
And you are surprised??
I've posted a few times the results of different surveys and analyses that
show that HSAs:
--- increase costs for the patient
--- only benefit employers
--- reduce patient satisfaction with the quality of their care
--- cause more people to lose their health insurance
But that shouldnl;t have been a surprise. They were pushed by neocons
wanting to incrfease profits for thier business contirbuters.
Larry
The mere existence of health insurance promotes extremes in the cost of
medical treatment and coverage. The two are intertwined and feed each
others growth and cost.
In making my post, the intent was to raise a red-flag, to show
high-deductible policies and their HSA counterpart do have problems needing
to be resolved. I 'will' overcome the problem I presented and I will
survive. I have been pulling miracles out of my sleeves for the past 5
years and will continue to do so (some say with the Grace of God.) I was
interested in seeing if anyone had any comments on their experiences. I was
hoping to find a consensus on improvements which could be promoted to the
system, and how.
To Larry, you have confirmed the plans have problems. That's a start.
Before corrective actions can be implemented, it must be first established
that there is a problem. After the problem has been identified, solutions
need to be defined. After the solutions have been defined, they need to be
promoted with the hope they'll be incorporated into the relevant policies.
As to the other two posters, all they've promoted is that Bush's Medicare
plan is a disaster. When a problem is red-flagged, you don't simply dispose
of it as ill-begotten, especially in politics. The plan, whether it works
or not, was originally promoted as a solution to a problem. If the plan is
looked at, it can have problems yet be 85% effective in it's goal. If my
liberal counterparts spent as much time on trying to find out how to fix the
15% that is wrong with the current program rather than using what is wrong
as an excuse to denounce anything the GOP promotes, this country wouldn't
have any problems.
**additional plan discussion
My employer has designated a $190 company contribution (single family) and
$380 (family) to the HSA as an incentive for employee participation.
Although I didn't fully understand how those funds would be applied when I
signed up for the plan, when my son had foot surgery two weeks after I
started the plan, I only had $50 in the HSA (I've authorized $50 pre-tax
every two weeks). The medical prescription to help the wound heal was $97
dollars and 97 cents. I wrote an HSA check for $50 and a non-HSA personal
check for the balance. A week later, I received a re-imbursement check as
per my employers agreement to offset the first $380 of my high deductible
for $97.97..
To cover the expense of the $520 for my heart medications, I'll authorize my
employer to made a one-time pre-tax payroll transfer of $370. The HSA has a
current balance of $100. I owe $50 of the $97.97 back to the HSA which will
bring the balance to $520 which will enable me to pay for my meds. I'll
just have to inform more of the bill collectors that they'll have to wait a
bit longer for any payments.
**what goes around - comes around
Autlcare health insurance and Aultman Hospital are in this together. They
feed each others pockets. When I confront them on this, they deny it. Be
as that may, since Aultcare insists I must foot the bill for my heart meds
"in full" upfront, and that later they'll reimburse me, I'll be informing
Aultman Hospital that what comes around - goes around. They'll have to wait
even longer to get any money from me. That instead of perhaps $100.00 per
month payments from me to them, I'll give them perhaps $10.00 per month
until the HSA has accumulated a balance of at least $520.
Perhaps that will make them understand that their arrogant attitude in
thinking they can force me to pay upfront for what their insurance
counterpart is going to reimburse 100%, is the ultimate in stupidity. Oh,
they deny being responsible for the actions of Aultcare health insurance;
yeh, right.
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