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Jim Allen

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RE: The Affordable Care Act Also Known as 0bamacare deserves its own thread
12/26/2013 1:09:29 PM

New ObamaCare fees coming in 2014

WASHINGTON — Here comes the ObamaCare tax bill.

The cost of President Obama’s massive health-care law will hit Americans in 2014 as new taxes pile up on their insurance premiums and on their income-tax bills.

Most insurers aren’t advertising the ObamaCare taxes that are added on to premiums, opting instead to discretely pass them on to customers while quietly lobbying lawmakers for a break.

But one insurance company, Blue Cross Blue Shield of Alabama, laid bare the taxes on its bills with a separate line item for “Affordable Care Act Fees and Taxes.”

The new taxes on one customer’s bill added up to $23.14 a month, or $277.68 annually, according to Kaiser Health News. It boosted the monthly premium from $322.26 to $345.40 for that individual.

The new taxes and fees include a 2 percent levy on every health plan, which is expected to net about $8 billion for the government in 2014 and increase to $14.3 billion in 2018.

There’s also a $2 fee per policy that goes into a new medical-research trust fund called the Patient Centered Outcomes Research Institute.

Insurers pay a 3.5 percent user fee to sell medical plans on the HealthCare.gov Web site.

ObamaCare supporters argue that federal subsidies for many low-income Americans will not only cover the taxes, but pay a big chunk of the premiums.

But ObamaCare taxes don’t stop with health-plan premiums.

Americans also will pay hidden taxes, such as the 2.3 percent medical-device tax that will inflate the cost of items such as pacemakers, stents and prosthetic limbs.

Those with high out-of-pocket medical expenses also will get smaller income-tax deductions.

Americans are currently allowed to deduct expenses that exceed 7.5 percent of their annual income. The threshold jumps to 10 percent under ObamaCare, costing taxpayers about $15 billion over 10 years.

Then there’s the new Medicare tax.

Under ObamaCare, individual tax filers earning more than $200,000 and families earning more than $250,000 will pay an added 0.9 percent Medicare surtax on top of the existing 1.45 percent Medicare payroll tax. They’ll also pay an extra 3.8 percent Medicare tax on unearned income, such as investment dividends, rental income and capital gains.

Meanwhile, the Obama administration touted a surge of more than 2 million visitors Monday at HealthCare.gov, plus about 250,000 calls to ObamaCare call centers.

“Volumes remain high but not equal to [Monday] and we have not had to deploy our queuing system on the site,” said Julie Bataille, a spokeswoman for the Centers for Medicare and Medicaid Services, referring to a virtual waiting room that is activated when the site is overloaded.

“We are taking thousands of calls at our call centers, which remain open until midnight, and we are seeing thousands of visitors complete enrollment online,” she said.

It wasn’t smooth sailing for everyone on the troubled site.

Software techie Jeff Karaaro tweeted in frustration: “Got three different codes trying to submit plan choices. No [one] can tell me what they mean. I nor call center can complete my application due to error.”

http://nypost.com/2013/12/25/new-obamacare-fees-coming-in-2014/

May Wisdom and the knowledge you gained go with you,



Jim Allen III
Skype: JAllen3D
Everything You Need For Online Success


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Jim
Jim Allen

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RE: The Affordable Care Act Also Known as 0bamacare deserves its own thread
12/30/2013 1:52:29 PM
I know you were hoodooed by the 0bama Administration and the Democratic congresses of 2006 and 2009, its true. More will be leaking out all year too, all related to 0bammycare.

Obamacare Shock: Strip Assets From Dead Seniors


Read more at http://www.westernjournalism.com/obamacare-shock-strip-assets-dead-seniors/#div7hhRjegpgODxK.99

elderly

The Affordable Care Act was designed to dramatically increase the number of Americans who qualify for Medicaid. In fact, the ACA will literally FORCE many low income seniors onto Medicaid rolls as subsidies for regular ObamaCare plans are NOT available to those over 55 years of age who earn less than 138% of the federal poverty level ($15,856 for individuals; $21,403 for married couples). And without such subsidies, ObamaCare plans are generally far too expensive for older, low-income individuals or couples.

Why should any of this matter to those getting “free” healthcare via Medicaid?

Because: “If you’re 55 or over, Medicaid can come back after you’re dead and bill your estate for ordinary health-care expenses.”

The government has long been permitted to seek reimbursement for healthcare services by attaching the assets of deceased Medicaid enrollees. But before ObamaCare, an asset test was mandatory for Medicaid applicants and only those with few or no assets could qualify for government provided care. As a result, there was little of value which the state could attach after death.

ObamaCare, however, has done away with the asset test. Eligibility for Medicaid is now dependent only upon income. And at 138% of the federal poverty mark, that eligibility level is much higher than in previous years. Therefore, countless Americans who have accumulated valuable assets yet show little income will now qualify as Medicaid recipients.

So if parents have been placed on a state Medicaid roll, the house, car or other assets they had intended leaving to their children will be attached by that state upon their death. A lien will be filed and full payment for those “free” healthcare services provided from the date of enrollment until the time of death will be confiscated from any available estate holdings.

“There was no intent on the part of the ACA to do estate recovery on people going into Medicaid,” claims Bob Crittenden, senior health policy adviser to Washington State Governor Jay Inslee. “The idea was to expand coverage.” According to Crittenden, the expanded authority which ObamaCare provides states to confiscate the assets of the dead is merely an unfortunate, unintentional accident. It was not a deliberate measure by which governments might enrich themselves at the expense of the poor and middle class.

Well of COURSE not! Just because government has an insatiable appetite for money doesn’t mean lawmakers would deliberately fashion a quiet, “fine print” means of confiscating wealth from an unsuspecting public! And we ALL know that such an underhanded scheme would never occur to anyone in the Obama Administration.

In any event, yet another shoe has dropped on authors of the Affordable Care Act. Not only have they been found working to transform citizens into subjects, they have now been discovered deliberately turning the dead into cash cows.

Since this despicable plot was exposed by the Seattle Times, a number of states have vowed to change estate recovery rules as revised by ObamaCare. All very nice of course. But what government provides it can also take away. How long will it be until tough financial times cause politicians to once again quietly insert asset confiscation measures into the fine print?

Thanks again, Chief Justice Roberts.


Read more at http://www.westernjournalism.com/obamacare-shock-strip-assets-dead-seniors/#div7hhRjegpgODxK.99

May Wisdom and the knowledge you gained go with you,



Jim Allen III
Skype: JAllen3D
Everything You Need For Online Success


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Jim
Jim Allen

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RE: The Affordable Care Act Also Known as 0bamacare deserves its own thread
12/30/2013 1:54:53 PM

According to Crittenden, the expanded authority which ObamaCare provides states to confiscate the assets of the dead is merely an unfortunate, unintentional accident. It was not a deliberate measure by which governments might enrich themselves at the expense of the poor and middle class.

Well of COURSE not! Just because government has an insatiable appetite for money doesn’t mean lawmakers would deliberately fashion a quiet, “fine print” means of confiscating wealth from an unsuspecting public! And we ALL know that such an underhanded scheme would never occur to anyone in the Obama Administration.


Quote:
I know you were hoodooed by the 0bama Administration and the Democratic congresses of 2006 and 2009, its true. More will be leaking out all year too, all related to 0bammycare.

Obamacare Shock: Strip Assets From Dead Seniors


Read more at http://www.westernjournalism.com/obamacare-shock-strip-assets-dead-seniors/#div7hhRjegpgODxK.99

elderly

The Affordable Care Act was designed to dramatically increase the number of Americans who qualify for Medicaid. In fact, the ACA will literally FORCE many low income seniors onto Medicaid rolls as subsidies for regular ObamaCare plans are NOT available to those over 55 years of age who earn less than 138% of the federal poverty level ($15,856 for individuals; $21,403 for married couples). And without such subsidies, ObamaCare plans are generally far too expensive for older, low-income individuals or couples.

Why should any of this matter to those getting “free” healthcare via Medicaid?

Because: “If you’re 55 or over, Medicaid can come back after you’re dead and bill your estate for ordinary health-care expenses.”

The government has long been permitted to seek reimbursement for healthcare services by attaching the assets of deceased Medicaid enrollees. But before ObamaCare, an asset test was mandatory for Medicaid applicants and only those with few or no assets could qualify for government provided care. As a result, there was little of value which the state could attach after death.

ObamaCare, however, has done away with the asset test. Eligibility for Medicaid is now dependent only upon income. And at 138% of the federal poverty mark, that eligibility level is much higher than in previous years. Therefore, countless Americans who have accumulated valuable assets yet show little income will now qualify as Medicaid recipients.

So if parents have been placed on a state Medicaid roll, the house, car or other assets they had intended leaving to their children will be attached by that state upon their death. A lien will be filed and full payment for those “free” healthcare services provided from the date of enrollment until the time of death will be confiscated from any available estate holdings.

“There was no intent on the part of the ACA to do estate recovery on people going into Medicaid,” claims Bob Crittenden, senior health policy adviser to Washington State Governor Jay Inslee. “The idea was to expand coverage.” According to Crittenden, the expanded authority which ObamaCare provides states to confiscate the assets of the dead is merely an unfortunate, unintentional accident. It was not a deliberate measure by which governments might enrich themselves at the expense of the poor and middle class.

Well of COURSE not! Just because government has an insatiable appetite for money doesn’t mean lawmakers would deliberately fashion a quiet, “fine print” means of confiscating wealth from an unsuspecting public! And we ALL know that such an underhanded scheme would never occur to anyone in the Obama Administration.

In any event, yet another shoe has dropped on authors of the Affordable Care Act. Not only have they been found working to transform citizens into subjects, they have now been discovered deliberately turning the dead into cash cows.

Since this despicable plot was exposed by the Seattle Times, a number of states have vowed to change estate recovery rules as revised by ObamaCare. All very nice of course. But what government provides it can also take away. How long will it be until tough financial times cause politicians to once again quietly insert asset confiscation measures into the fine print?

Thanks again, Chief Justice Roberts.


Read more at http://www.westernjournalism.com/obamacare-shock-strip-assets-dead-seniors/#div7hhRjegpgODxK.99

May Wisdom and the knowledge you gained go with you,



Jim Allen III
Skype: JAllen3D
Everything You Need For Online Success


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Jim
Jim Allen

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RE: The Affordable Care Act Also Known as 0bamacare deserves its own thread
1/3/2014 2:20:16 AM
http://d2tq98mqfjyz2l.cloudfront.net/image_cache/1351520751573834.jpg
http://d2tq98mqfjyz2l.cloudfront.net/image_cache/1351520751573834.jpg

More New Taxes and Fees: How You’ll Pay for Obamacare in 2014

January 2, 2014 at 6:30 am

Obamacare contains 18 specific tax hikes, mandates, or penalties that cost Americans money, and three new ones take effect in 2014. This is only the beginning—watch how two of these taxes get worse in the years to come.

1. Individual Mandate Tax. The individual mandate is designed to strong-arm individuals into purchasing government-approved health insurance or facing a tax penalty. In 2014, the penalty for not purchasing insurance will be either $95 or 1 percent of annual income (whichever is greater). Very few, if any, people will end up paying just $95, because individuals with an annual income of only $9,500 or less would likely qualify for Medicaid or a hardship exemption from the mandate. The mandate increases drastically in coming years, rising to $325 or 2 percent of income in 2015, and $695 or 2.5 percent of income in 2016—whichever is greater.

2. Health Insurer Tax. One of the largest tax increases in the law is an annual fee imposed on health insurers based on their share of the market. It is estimated to raise $8 billion in 2014 alone. The tax will more than likely be passed on to consumers through premium increases. An actuarial analysis by the consulting firm Oliver Wyman projects that in 2014, this tax will increase premiums by 1.9 percent to 2.3 percent. And the impact will be greater in later years as the tax increases.

3. Reinsurance Fee. This fee isn’t included in the list of 18 tax hikes, but it’s another one that will impact the cost of insurance. Health insurers will have to pay the temporary fee on group health plans to help spread the cost of the covering those in the individual market, inside and outside Obamacare’s exchanges. The fee begins in 2014, costing $63 per covered person and decreasing in 2015 and 2016. Like most taxes and fees, the result will likely be higher insurance premiums.

Sneak Peek at 2015: Employer Mandate. By law, the employer mandate was supposed to begin in 2014, but the Obama Administration delayed enforcing it until 2015. The employer mandate forces employers with 50 or more full-time employees (defined as those working 30 hours per week) to offer government-approved health coverage or pay a penalty. The penalty varies—either $2,000 per employee after the first 30 workers, or $3,000 per employee receiving subsidized coverage in the exchange, whichever is less.

Regardless of the delay, many businesses have already adapted by reducing hours for their employees—falling under the threshold to avoid both the cost of coverage and the penalty.

We need health reform that works for Americans—not against them. Learn more.

Read the Morning Bell and more en español every day at Heritage Libertad.

Quick Hits:

Posted in Economics, Front Page, Obamacare [slideshow_deploy]

May Wisdom and the knowledge you gained go with you,



Jim Allen III
Skype: JAllen3D
Everything You Need For Online Success


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Jim
Jim Allen

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RE: The Affordable Care Act Also Known as 0bamacare deserves its own thread
1/3/2014 6:18:49 PM

'They had no idea if my insurance was active or not!': Obamacare confusion reigns as frustrated patients walk out of hospitals without treatment

  • MailOnline spoke with patients who were told they would have to pay their bills in full if they couldn't prove they had insurance
  • One was faced with a $3,000 hospital room charge and opted to leave the hospital after experiencing chest pains
  • 'Should I be in the hospital? Probably,' she said
  • Another, coughing in the cold, walked out without receiving a needed chest x-ray
  • Consumers face sticker-shock from medical costs under the new Obamacare system, made worse if they can't prove they're insured
  • As many as one-third of new enrollees' applications have seen problems when the government transmits them to insurance companies

By DAVID MARTOSKO, U.S. POLITICAL EDITOR

|

Read more: http://www.dailymail.co.uk/news/article-2532869/They-no-idea-insurance-active-not-At-Virginia-hospitals-Obamacare-confusion-reigns-frustrated-patients-walk-out.html#ixzz2pMP3ZDuu
Follow us: @MailOnline on Twitter | DailyMail on Facebook


Hospital staff in Northern Virginia are turning away sick people on a frigid Thursday morning because they can't determine whether their Obamacare insurance plans are in effect.

Patients in a close-in DC suburb who think they've signed up for new insurance plans are struggling to show their December enrollments are in force, and health care administrators aren't taking their word for it.

In place of quick service and painless billing, these Virginians are now facing the threat of sticker-shock that comes with bills they can't afford.

'They had no idea if my insurance was active or not!' a coughing Maria Galvez told MailOnline outside the Inova Healthplex facility in the town of Springfield.

She was leaving the building without getting a needed chest x-ray.

'The people in there told me that since I didn't have an insurance card, I would be billed for the whole cost of the x-ray,' Galvez said, her young daughter in tow. 'It's not fair – you know, I signed up last week like I was supposed to.'

The x-ray's cost, she was told, would likely be more than $500.

SCROLL DOWN FOR VIDEO

Going home: One patient left the hospital without being admitted for chest pains after she was warned she might have to pay full-price. She asked MailOnline not to publish a photograph of her face

Going home: One patient left the hospital without being admitted for chest pains after she was warned she might have to pay full-price. She asked MailOnline not to publish a photograph of her face

MailOnline spoke to patients outside hospitals in Virginia's Washington, D.C. suburbs, many of them confused about the state of their insurance coverage

MailOnline spoke to patients outside hospitals in Virginia's Washington, D.C. suburbs, many of them confused about the state of their insurance coverage

Galvez said she enrolled in a Carefirst Blue Cross bronze plan at a cost of about $450 per month through healthcare.gov, three days before Christmas.

'No one has sent me a bill,' she said.

Health and Human Services Secretary Kathleen Sebelius testified in a December 11 congressional hearing that the federal government can't say how many new enrollees have written checks for their first month's premiums.

'Some may have paid, some may have not,' she conceded.

It's unlikely that a valid insurance card would have changed Galvez' fortunes, however.

GALLUP: MOST AMERICANS HAVE OBAMACARE HORROR STORIES

Fifty-nine percent of Americans told Gallup pollsters that they have had negative experiences with the Affordable Care Act, according to the public opinion giant's latest survey.

Just 39 per cent said their experiences were positive.

Only 7 per cent called their Obamacare journeys 'very positive,' but 29 per cent said their interaction with the new system has been 'very negative.'

Gallup interviewed 1,500 uninsured Americans in December, 450 of whom said they had visited health insurance exchange websites.

As dismal as those numbers are, they represent a slight improvement: In November, Gallup found that 63 per cent of uninsured Americans had negative experiences with the president's new health care overhaul.

Her Carefirst plan, identified on the Obamacare website as BlueChoice Plus Bronze, carries a $5,500 per-person deductible for 2014 – an amount she would have to pay out-of-pocket before her coverage would apply to medical expenses.

The Inova radiology department wouldn't speak with MailOnline, and Carefirst did not respond to a request for comment.

A similar situation frustrated Mary, an African-American woman small businesswoman who asked MailOnline not to publish her last name. She was leaving the Inova Alexandria Hospital in Alexandria, Virginia with two family members.

'I had chest pains last night, and they took me in the emergency room,' Mary said. 'They told me they were going to admit me, but when I told them I hadn't heard from my insurance company since I signed up, they changed their tune.'

She told MailOnline that a nurse advised her that her bill would go up by at least $3,000 if she were admitted for a day, and her doctor told her the decision was up to her.

No x-ray for you: This patient left a Virginia medical facility without receiving a test her doctor recommended

No x-ray for you: This patient left a Virginia medical facility without receiving a test her doctor recommended

'Should I be in the hospital? Probably,' she said. 'Maybe it's one of those borderline cases. I have to think that if I were really in danger, they wouldn't give me the choice. But what if I think I'm covered and I'm really not?'

'The emergency room bill is going to be bad enough.'

No card, no service: Hundreds of thousands of Americans are likely in health-insurance limbo with no proof of insurance as the new year begins

No card, no service: Hundreds of thousands of Americans are likely in health-insurance limbo with no proof of insurance as the new year begins

The Obamacare system has suffered from a long list of setbacks since its October 1 rollout, starting with an inoperable website and ending with rampant uncertainty about whether Americans who enrolled are actually covered.

"We're telling consumers if they're not sure if they're enrolled they should call the insurer directly," White House Press Secretary Jay Carney old reporters on December 2.

The Washington Post reported that day that because of computer glitches in the 'back end' of healthcare.gov, enrollment records for as many as one-third of new insurance customers were corrupted or otherwise contain errors.

Given the Obama administration's latest claim that 2.1 million have signed up nationwide, that means as many as 700,000 Americans might falsely believe they have a current health insurance policy.

Mary and others like her, who took the time to enroll but may not follow the daily flood of news about Obamacare, likely don't know one way or the other.

'Why is this so complicated?' she asked. 'I had my own private insurance last year, but they cancelled me in November. I'm not sure which end is up.'

Private industry estimates put the number of policy cancellations as high as 4.7 million in the last quarter of 2013, mostly involving health care plans that didn't meet the Affordable Care Act's strict minimum standards.

Democrats serving on the House Committee on Energy and Commerce dispute that number, saying in a new report that no more than 10,000 will wind up without affordable insurance options after losing their old policies.

The Inova Healthplex in Springfield, Virginia offers free valet parking, but if you want to see a doctor you'll need proof that you've paid your Obamacare premium

The Inova Healthplex in Springfield, Virginia offers free valet parking, but if you want to see a doctor you'll need proof that you've paid your Obamacare premium

Still working: Emergency services are still being provided at Northern Virginia hospitals, whether or not patients can prove they're covered -- but getting a bed in a hospital ward could come with a tremendous sticker-shock

Still working: Emergency services are still being provided at Northern Virginia hospitals, whether or not patients can prove they're covered -- but getting a bed in a hospital ward could come with a tremendous sticker-shock

President Obama has attracted widespread criticism, and a 'lie of the year' award from one newspaper's fact-checker, for promising that Americans who liked their health plans would be allowed to keep them.

Dr. John Venetos, a Chicago gastroenterologist, told the Associated Press on Thursday that he is seeing 'tremendous uncertainty and anxiety' among his patients who signed up for Obamacare plans but don't have insurance cards.

'They’re not sure if they have coverage,' Venetos said. 'It puts the heavy work on the physician.'

'At some point, every practice is going to make a decision about how long can they continue to see these patients for free if they are not getting paid.'



Read more: http://www.dailymail.co.uk/news/article-2532869/They-no-idea-insurance-active-not-At-Virginia-hospitals-Obamacare-confusion-reigns-frustrated-patients-walk-out.html#ixzz2pMOuIiUS
Follow us: @MailOnline on Twitter | DailyMail on Facebook



Read more: http://www.dailymail.co.uk/news/article-2532869/They-no-idea-insurance-active-not-At-Virginia-hospitals-Obamacare-confusion-reigns-frustrated-patients-walk-out.html#ixzz2pMOgKWuX
Follow us: @MailOnline on Twitter | DailyMail on Facebook

May Wisdom and the knowledge you gained go with you,



Jim Allen III
Skype: JAllen3D
Everything You Need For Online Success


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