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-   -   I give up on the whole system (https://www.neurotalk.org/reflex-sympathetic-dystrophy-rsd-and-crps-/192448-system.html)

Hopeless 08-08-2013 03:37 PM

I do not want to get political but the bronze, silver, and gold plans under ObamaCare have HIGH co-insurance which is unaffordable to many. Who can afford a 40% co-insurance for a hospital stay? That is the co-insurance for the bronze plan, the most affordable plan by premium cost. Because of ObamaCare, many hospitals are closing, being leased out, etc. Doctors are taking early retirement, going to be staff at hospitals, leaving private practice, charging an annual fee for a concierge practice, etc. These are not things I have read but have personally seen in my community. I fear what my personal health care future will be under ObamaCare as I have several specialists I see on a regular basis for several different health conditions. I already pay $1000 per month for my health insurance with high co-pays. Just wanted to mention that ObamaCare may not be "good" for everyone. Some may benefit and some may be "destroyed".

Vrae 08-08-2013 03:43 PM

Quote:

Originally Posted by Hopeless (Post 1005825)
Just wanted to mention that ObamaCare may not be "good" for everyone. Some may benefit and some may be "destroyed".

I agree. This may very well be the case.

Hopeless 08-08-2013 03:43 PM

Sorry
 
Quote:

Originally Posted by Jo*mar (Post 1005769)
Just a small reminder that our guidelines do mention limiting of political type discussion/comments.

We know with health care changes there will be some discussion, which is fine, but leaving the politics out of it will be best for all of us.:cool:
Just helps to avoid arguments and bad feelings..

Dear JoMar

I did post a reply that I guess I should have refrained and I apologize but the comments pushed me into a reponse. I do apologize and do respect that this is NOT the forum for political views. I will be sure not to lose control again and respond. Thank you for the reminder. Again, my sincere apology for losing control and posting a response.

Hopeless

Jimking 08-08-2013 03:45 PM

Quote:

Originally Posted by Vrae (Post 1005811)
Oh no no no, JimKing my rant was not directed at you hon. Heck I helped to vote Obama in for a second term to ensure the Affordable Healthcare Act would happen for the very reasons I mentioned. Let me just follow that up with Obama has lost a lot of good graces with me personally. Just too many unkept promises, as is the case with most politicians.

I am so glad that you were able to eventually get your wife covered and not lose everything in the process. I think it’s ridiculous that one must fight the government for benefits that you’ve paid in to receive. I mean it’s well known that you will be denied the first time you apply for SS Benefits. Or at least VERY FEW receive benefits on an initial application. And then IF you get approved, more than likely you’ll be waiting another couple of years to be able to use it. That’s insane! And to add insult to injury, after the first couple of years you’ll be forced to requalify. Good grief! This was to my point of having to fight for everything, it seems.

Well, its going to be a nightmare if my wife has to requalify because she has given up with all the doctors, their fears of the DEA, poking and prodding...Doctors not excepting medicare leaving only a few who will take medicare and those doctors, to me, appear to be scumbags for some reason. I can go on and on. My wife stopped every narcotic last summer. She said, and I believe her, that those meds just did not do the trick and the stress they caused was not worth it. Now explain that to SS....

painman2009 08-10-2013 03:26 AM

Quote:

Originally Posted by Jimking (Post 1005723)
Vrae, that is a very bad place to find oneself! Like I stated in my earlier post, whether one likes the idea of Obamacare or not, that really is not the issue, but it could work in your behalf. Pre-conditions eliminated, affordable rates and subsidized if need be. But the issue could be what an earlier poster had stated in that many doctors may not except the coverage. That can happen but what may come out of it is if millions are effected by this behavior, pressure to change the system quickly could take place also. At one point we lost our coverage because of the economy and I had to pay out of pocket for my wife's care. We came within a hair's width of losing everything. I contacted my congressman whose staff helped us keep our home by keeping the dogs off our backs and sped up my wife's SSDI, which took 3+ years to acquire. The stress was horrible.

Duuuuude. so true, one of my biggest problems right now is durning a workers comp overhaul in 2010. alot of Dr,s dropped out of comp, I no longer can find a vascular surgeon, Psychs re really limited, same as places I can go for testing.. what a pain in the......

fbodgrl 08-10-2013 09:22 AM

Yeah I think none of us will really know how it is going to be until it starts. I'm hopeful that it will make things easier and more accessible :smileypray:

LIT LOVE 08-10-2013 07:15 PM

Quote:

Originally Posted by painman2009 (Post 1005382)
Ok ive put it off, because I knew it would cause me more grief , but today i thought I had it in me to deal. Im talking about setting up an appointment with my pain psychiatrist. last time I went they advised me that I needed authorization in writing from comp. that they intend to pay. Now comp in NY does not work that way, I see a dr they billcomp they get paid or denied then I get billed and have to fight for payment if an issue is present, but this DRs office said I will be responsible for paying the office visit the day of visit if I didnt have written authorization. now I spoke with atty, as last time I had a hearing this was brought up and judge "said" as long as I had resonable need for it, then he looked into notes and said he found sufficient evidence supporting the need, of course my written decision did not have that on it. Ok so atty said that the dr,s office should call carrier and get what they need them selves, so I called Dr,s office back. they said sorry. they do not do this. Now Im pretty confident I understand all the laws for comp, but to make sure I call NYWCB and using my WCB# I ASKED LOADS OF QUESTIONS.. just to be walled out . they said to ask my attorney they will not discuss this with me. so . angry and defeated I still refused to give up, so i searched the internet for answers, (not easy to find out detailed laws for NY workers comp)finally I got a hint to what i was looking for so .. again I called NYWCB. this time I asked questions that actually reaped benefits.. all that work to find I understood the law better than my atty,s office. so Here in new york ; any doctor participating in Ny WCB must accept the patient, with out authorization ,(those are meant for tests costing more than $500) and then bill comp with evidence of needed follow up of clearing the patient from future need of their services. and that is Against the law to bill PATIENT for service,s prior to a denial from the carrier and the NYS WCB> all that said this is a psychiatrists office and their job is to care for the mental stability of a patient, this BS is not in the best interest of mental stability for the patient. this being said, though I HAVE seen this dr before ... I shal not return, and I am now completely done with the system. .. the treatment of a patient should come first,, and their wallet should come secondary or better yet??? further down the line. this also further strengthens my distrust of psychiatry.. (hi let me see you to help you out.. the way I do that is to 1.) make sure you can afford me ,, if not tough poop you suffer with the paupers. 2.) seat you down whilst i pretend to listen, and I catch up on some Z,s after my late night partying on the money paid to me by the poor schmuck I saw yesterday, then when you are done give you some of the same repetitive advice that means nothing that I gave the poor schmuck yesterday and day before. then tell you that you must follow up because you need help and must get better.. but the real reason is.. you just bought a third house an new BMW, yacht and you have a big trip planned to Europe and this all needs to be paid for.. If they really were in it to help people, the last thing they would deal with is insurance and payment.. I mean come on .. 600 dollars for 30 minutes.. and then you complain that your landscaper bills you $40 a weak to mow your lawn.. 120 for fertilizer, or $35 and hour per person for landscape design or other labor work not maintenance related?? yeah they are not in it for the patient or to help and make a difference. they get paid to be judgmental , for stature, and accolades . so stop lying to us..


Sorry .. had to Vent.. other wise It play over and over in my head tonight while I pretended to sleep so my wife wont worry.

Thanks again for letting me.. I hope every one is doing ok.

I have been in the WC system a VERY long time in CA and consider myself lucky to have been injured prior to "reform". For things that are not emergencies, I have found you have to accept that it might takes months and you might need the intervention of your attorney. This can mean unnecessary complications to your health and it costs WC more in the long run--penny wise and pound foolish IMO. I have found that every few years they seem to try and make my life hell (likely to try and get me to settle) but if you can stomach those periods they will generally give up. Switching doctors offices might be needed if they have a policy that seems unusual. Finding a doc that has fewer WC patients can sometimes help. There is a WC site that is state specific if you want to dig in and fight, I'll hunt it up if you're interested.

ginnie 08-10-2013 07:33 PM

Hi Painman
 
If you could post that about WC, to Don1956, I think he would appreciate it. He is in SNY and is having the same kinds of problems with doctors and WC. They just finished sending him to someone who represents WC, sounded like a quack to me. They are denying him surgery he really needs. I cannot believe how many hoops a person is made to jump through before adequate care is received. He has a lawyer, but it may be months and more hoops before anything can be resolved. I am so sorry you have had to go through all that. I hope your own situation improves to where you care is given 100%. I would transfer the thread myself, but my own abilities on the PC arn't so good. I never really used a PC before I found this site. I have a lot to learn. I will keep you in my thoughts. Please give my best to your wife too, it is good you have someone by your side while you go through the hoops. ginnie


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