*THANKS OBAMA*

So, last year I started a new job working part time, a couple days a month while I waited for a permanant post to open up. As you can guess I wasn't making much. Then Obama came out with his grand plan to provide insurance for all. Well, I didn't want to get hit with a penalty for not having insurance so, even though I thought the whole thing was a steaming pile, I checked it out. Now mind you I barly was making enuph to buy a happy meal each week. I checked out the California Echange site and found that they had a great basic plan for me and my broke ass, a whopping $309 per month with a $5000 deductable. Holy freeking mud pies I thought; well Obama you are a genius and a saint. A health plan that costs more than what I make and a penalty if I don't buy it. Smooth. So, I checked out the county health care and was told since I have Hypothyroidism which would not be cured within a year I did not qualify. So, I checked out Medical, and since I'm a man and do not have dependants I do not qualify. So, I checked out all the health insurance providers I could find and everyone was linked to Obamadontcare and wanted the same fees. Well, guess I have to just hope the whole thing gets repealed before any fines are levied. Oh, but I was told good news, there is an assistance set in place; a reduced rate for low income persons. Great! Well, turns out it's a tax refund. I still have to pay the full fee each month and the deductible. Sh't. So, time goes by and my job bumps me up to full time. Now I'm eligable for the company health plan. Awsome. I talked to the main office and was told the once Keiser plan at $75 per month was now Obamadontcare and it would cost me $320 per month and $5000 deductable. Fuc$ers! So, a few more months pass and low and behold I tear a ligament in my knee. It happed at home so no workers comp and I have many doc appoints, x-rays, cat scans, specialists and surgery. All paid out of pocket AND I'm out of work since I can't walk. So, when I could have had insurance, a steady job and no worries Obama had to stick his stupid nose into it and now I have no insurance, medical bills up the a$$, and very likely no more job. So from deep within my heart, thank you Obama.

It's a shame that your story doesn't exist and can not possibly be true. /sarcasm

It is seriously a shame that the more stories we hear about this are met with the attitude of "Deal With It"... there are sooo many people getting free healthcare so the ones working for it don't count. It is really beyond disgraceful what has happened with the rolling out of the monstrosity of a joke called Obamacare.

I have yet to see another bigger F-up than this is turning out to be in my life and we aren't even half way through it yet. I feel your pain and I hope something works out for you in the end. You did what you were supposed to do, and the system failed you like it is failing so many others and yet they keep trotting it out like it's the best thing since sliced bread.

I wish I had good advice for you, but it seems like the light at the end of the tunnel is getting dimmer by the day for a lot of folks. And all you get when you voice a complaint is



That shouldn't happen. I keep hoping Obamacare will just die, but nobody is willing to admit failure and as long as they do that.... here we all sit.

reply to post by Joki42

Wasn't nice I removed it myself

Oh man. That situation sucks big time. I don't live in your country and I really didn't understand what it was all about. You paint a clear picture however, so S&F for that. I just wonder after paying that, is there a sufficient amount left over for housing and food? It feels like someone (insurance companies) would be squeezing the life blood from those at the bottom of the pay scale.

reply to post by aboutface


Now that I am, or was before the injury, working full time as a security guard I make $12 an hour. As far as getting a better job? I have 15 years experiance in upper management when my company went under and it took me 5 years to land this job. I don't dare rock-the-boat and risk loosing it. So, at $12 an hour with a tax of 15 - 25%, I average $1500 per month take home. I work 40 miles from my house as there are no places affordable near my job. Gas for work runs me about $200 per month. My rent is $450 for a rv spot. So after rent and gas I am left with $850. I then have maintenance on the car to keep it runnimg 80 miles a day with 230,000 miles on it, groceries, school loans (big help that was), phone bill to keep in touch with my company for any schedual changes and extra shifts. Not including "entertainment" which I have not enjoyed for a while and any unforseen bills, I literaly have about $50 at the end of the month. So, an extra $320 would require giving up an esential. Either loosing the car and hence my job, or my house and live in my car. Just so I might be able to afford to get sick.

Lies, lies, lies, this can't possibly be the truth.
I mean there is no way our extremely intelligent, all knowing government could ever screw things up this bad.

Harry Reid, the senate majority leader, and democrat, said all of these horror stories of people losing coverage and lack of coverage, were all lies.
And since he is the majority leader, he must be very, very smart. So I must believe the smartest guy in congress.

Also I hear the cronies at these government controlled insurance companies need a bailout. Even after increases of premiums up to 700%.
I think we should give them a couple billion$. After all they have our best interests at heart.

Vote all the bastards out.
All of them.

Obama is just doing what he was told by the people 'who really control america'. Remember when they called it Romney-Care?? This is a big money scam so 'they' can sit back and rake in even more money from the sheep. But I feel for ya. My wife has refused to sign up so I guess we shall see how that turns out.

You do realize that if the ACA was not in place that the insurance companies could deny you coverage based on the fact that you have a pre-existing condition and if they DID provide you with coverage you would be paying well over a grand a month. More than likely you would have just been denied outright though. I know, I have worked in the insurance industry for years and have seen it happen over and over. I am glad they can't deny for pre-existing anymore.

reply to post by Joki42


I know what you are talking about.My brother who it totally unemployed tried to sign up for it.His cost out of pocket were $6500 per year premiums and $6500 deductible. I'm sorry but if you have $0 income,how in the heck are you supposed to pay for that? And maybe insurance companies can't deny him insurance now,but he still doesn't have any insurance at all. And guess what, he just got out of the hospital. He ended up there after he thought he was having a heart attack. They kept him for 5 days while they ran tests. Found out he's diabetic,heart is good,but triglycerides are bad.and he is under stress suffering from PTSD. Now they are telling him that he doesn't qualify for the free clinic because he lives with me and I make "too much money".Um yeah,I'm about to go under with my bills since I took a 20% pay cut because I'm disabled now. And I'm supposed to figure out how to pay for his meds ? Are you kidding me? Before this is over I doubt I'll be able to pay for my own. I'm sorry but this is not what people were wanting with the affordable care act. This is a total mess.

reply to post by Joki42


How can they think they can do something this obnoxious and destructive to society. In one swoop of Obamas pen he has created an eventual economic catastraphy. Either they feel that the've skrewed things up so much that there is no choice but to completely flock the nation, or they think they are so untouchable they can get away with it, or they are intentionaly trying to bring the people to a breaking point and start a revolt. This would be fine for them since it would be the perfect excuse to declare martial law and round everyone up as enemy combatents. A new class of slave labor. They have to remember, even Rome fell. And rest assured Obama will be playing a fiddle as America burns.

The ACA didn't jack up the insurance rates the insurance companies did that on their own so place the blame where it really belongs. Look at the state Romney was governor of the same thing happened when he enacted his healthcare plan. And for the people crying blame the Democrats the Heritage Foundation dreamed up the individual mandate and the Republicans pushed it for years.

AllInMyHead
You do realize that if the ACA was not in place that the insurance companies could deny you coverage based on the fact that you have a pre-existing condition and if they DID provide you with coverage you would be paying well over a grand a month. More than likely you would have just been denied outright though. I know, I have worked in the insurance industry for years and have seen it happen over and over. I am glad they can't deny for pre-existing anymore.

Nope. They certainly can't deny him now. Just make it unaffordable hence unobtainable. Is there really a difference? Besides semantics?

reply to post by bjax9er


Vote them out?

I'd prefer some clean, precise shots in between the ears. I think a lot of Americans would.

Government shrills are not excluded. You read that right. Come kick my door in. I dare you.

reply to post by Joki42


I really don't understand WTF is wrong with the US government (apart from the obvious idiocy, lying, cronyism, corruption, rotating door policies, etc.) that they can't get this health care thing right. We don't have the best health care in Canada, the UK, France and Cuba are better, but, we generally only pay extra for dentistry, elective/cosmetic surgery and our medications of course. The hospitals, doctors visits, specialists, etc. are paid for under our national/provincial health plan which is paid for by out taxes. I might add that our taxes might be considered ridiculously high but for large corporations here, they don't pay anything just like the US.

I think it all comes down to the promotion of capitalism in the US, but it's not the capitalism they preach. Capitalism in and of itself can be a good thing, but it can also be very dangerous. Since I've lived in Africa and worked for the military at the same time, I came to understand what predatory behavior really looks like since everything in Africa eats everything else in a very visible and distinctive manner. That is what I think is happening in the US, it happened with the military through the industrial complex, it happened with the banks and wall street, it happened with the car industry to some extent, it's now happening with the medical industry. The whole US system has become predatory capitalism. Society in the US has become tiered and each level preys on the level below it, in this case the medical industry quite literally preys on almost everyone. Unless of course you have a special dispensation (waiver) from the pontif of the ACA and many waivers exist.

The problem now is that there are a limited number of tiers, 4 or 5 at most and these are being reduced to 2 or 3, which produces increased stratification and an ever enlarging income cap between the middle class, poor and the uber-rich. Very soon, the uber-rich will use just the middle class (government) to engorge themselves on the poor (all the rest of us), actually, it's kind of already started with the 2008 bailouts and the ACA.

Cheers - Dave

Why don't you see if there's a " charitable fund" at your local hospital your going through for your knee....that may help with bills. .....or if you go to a church, they have funds too.

reply to post by bobs_uruncle


ACA is really an insurance company bailout.
And with cuts to Medicare continuing, it's also a way to force some private doctors out of business.

I know I was forced onto ACA when my insurer threw me out, and I could not afford to get my knee fixed if it were me....I have a 6300$ annual deductible, on top of my rather expensive premium.

buster2010
The ACA didn't jack up the insurance rates the insurance companies did that on their own so place the blame where it really belongs. Look at the state Romney was governor of the same thing happened when he enacted his healthcare plan. And for the people crying blame the Democrats the Heritage Foundation dreamed up the individual mandate and the Republicans pushed it for years.

The ACA requires insurance companies to cover everyone for everything under the sun. Coverage that individuals used to be able to opt out of if it didn't apply to them. Example: Maternity insurance for a 60 yr. old man, or testicular cancer ins. for a 21 yr. old woman. Which of course caused the companies to raise their rates. So yes, the ACA caused the increase in insurance rates.

Yes it did happen in Mass., for the same reasons. Do love though how you've made it all Romneys plan, even though he had a supermajority Dem. State House.

Also yes, the Heritage Foundation 'dreamed up' the individual mandate. Obama used to be very against the mandate. Yet look at what's now very prominent in HIS law, and the one thing that he ABSOLUTELY WILL NOT sign a waiver to delay.

reply to post by Joki42


Oh man I am so sorry. ObamaCrap sucks.

I have insurance through my husbands company but even that went up and almost double in fees and everything else. I can't even afford the visits right now because the co pay is too high and forget payments. Oh I remember the good old days when you could go to the doctor and they would just bill you for your co pay or let you make payments, NOT anymore! The first thing they ask for is your insurance card and credit card. They don't even care why you are there they just want to get PAID!

My sister can't get state insurance because she doesnt' qualify and she can't get Obamacare either. She is not married and does not work. She is a stay at home mom and her BF works, they are not married. He is a independent contractor for one of the cable companies. I have no idea what she will do for her insurance. She was on a plan that was a locally funded plan up until this year, thanks to ObamaCrap.

I know quite a few people in her shoes and yours.

What really irks me is when people think it's the best thing since sliced bread but they don't think of the big picture. Sure it benefits some people but what about the majority it screws?! So it's ok if it benefits you?? I don't even have ObamaCare and I am pissed at what it is doing. Heck doctors are not happy about it either. All three of my doctors have made negative comments about ObamaCare and what it is doing their practices and said it will only get worse.

How can someone pay $300 a month then have a deductible of $5000 when they can't even afford the life they live now!? It is INSANE! My deductible was $1000 last year and it went up to $2000 this year and my co-pays are $50 instead of $20. My prescription plans all went up too thru Aetna. I don't even bother with the scrips unless I need it. I paid $45 for one and it made me a zombie and I can't take it with a baby! I just deal with the mind numbing headaches now.

On another note the insurance sent MY HUSBAND a form asking about MY MRIs and what was the reason I was getting them. It was a questionnaire to make sure that they were really needed but of course they say "oh someone else could be responsible for your MRI's" Um yea no. It really pissed me off they sent that to him. I mean really? They are questioning the MRI's so they don't have to pay them? I had to jump through hoops and wait months to even get them and I STILL need two more. The health care system is an utter joke even when you don't have ObamaCrap.


I am sorry for your situation and I hope things work out for you. I would be just as pissed as you are.

reply to post by Joki42


I know it doesn't mean much, but S & F, my friend...

Sadly, there are tens of millions more like you out there. Believe it or not, I've heard far worse horror stories coming out of the Barrycare fiasco.

Personally, I made a decision on principle that I am NOT going to sign up. I am self-employed and calculate my quarterly SE tax contributions down to the penny. The ONLY way these Obamanazis can "penalize" me is by garnishing my tax refund. I can self-insure to an extent, I was blessed with good genetics, have no health issues, and am very healthy and fit. If something catastrophic were to befall me, if I didn't have adequate assets to pay the bills -- hey, Chapter 13, baby!

I truly do believe that A) because this "Obama" (if that's even his real name) has been such an abysmal failure across the board, and B) the Republicans are going to hang blame for his idiotic "healthcare" scheme around the Democrat's necks, conservatives are going to win HUUUGE in November.

After that, I think the odds are very good that the whole idiotic liberal cluster-f**k will be repealed or replaced with something less destructive.

But I think Barry Soetoro Soebarka "Obama" is going to begin to have some very serious issues popping up long before that and he might not even be in office in November.