Medical & losing your doctor, what's your story?
This is a discussion on Medical & losing your doctor, what's your story? within the Off Topic & Humor Discussion forums, part of the The Back Porch category; After my appointment today I left my RA doctors office this afternoon furious, not at them but at the new rules. I've applied for medicade ...
November 12th, 2013 11:33 PM
Medical & losing your doctor, what's your story?
After my appointment today I left my RA doctors office this afternoon furious, not at them but at the new rules. I've applied for medicade since I have been sick for so long. Asked the girl at the RA office when I was paying (self pay) if they accepted it. She was very nice and explained it to me this way. No they do not accept it nor does the only other RA doctors in town. I'd have to travel 2 hours away to somewhere in Charleston to see if they have a RA doc that takes it. IF I was on the medicade plan, then legally they cannot see me even if I pay them cash!!!! This is not their rules but the new healthcare rules they must legally abide too or they can't practice. My family doctor that I'm seeing tomorrow doesn't accept it either. He has been my doctor for many years.
Weren't we told "If you like your doctor then you can keep your doctor?". Well, yes I can if I pay for it myself even though I've been without work since July. Needless to say I was madder than a wet hen. I am going to call and cancel the medicade I just applied for a week ago and let them know to ahem.....put it somewhere safe in a dark crevasse.
I am able to work very part-time (can hang for about 14 hrs a week if I can get some sitting time, 2-5 hours shifts) and will continue to self-pay. The gas alone to get to Charleston would cost more than what the doctors (so far) are charging me for being self-pay. Actually, the self-pay has been even less than when I was working and had insurance for part time workers.
Has anyone else run into situations like this or roadblocks with their medical insurance or lack of? Please don't get political and let's keep this about medical - maybe somebody can share something I haven't thought of yet. I'm 52 so Medicare is not in the picture for quite a while.
November 12th, 2013 11:41 PM
I volunteer at our local Habitat for Humanity affiliate. There are 5 staff members. The affiliate has always provided health insurance for the employees. As with many non profits, in addition to doing something they believe in as a job, medical coverage is one big reason people work for lower wages. As of December they will no longer have health insurance. Like millions of other Americans, the insurance company that the affiliate had sent a letter saying they had to cancel the policy because of Obamacare rules.
VERY Few doctors in our area are accepting medicaid and a lot of them are not accepting any new medicare patients either. They can't afford to keep their offices open with the new lower payments, and those seem to get lower every year. Also our doctor told us a lot of other doctors he knows are choosing to retire rather than to deal with this mess.
Getting old was not on my list of "things to do" in the Golden Years!
Talking to each other here is good, but taking action is better.
November 12th, 2013 11:43 PM
November 13th, 2013 12:39 AM
Quite a few specialists are no longer accepting insurance. Even aside from the "Affordable" Care Act, insurance providers have been driving reimbursements down so low that its not worth it for private doctors to have pay staff $10-12/hour to do the billing to maybe receive a miniscule insurance reimbursement. Instead they are taking a position of the patient pays, then the patient can seek reimbursement if their insurer deigns to give them something in return. Expect it to become more common, and to have less access to care. Even if you find a plan that is affordable, your local doctors and hospitals may not accept that plan and you may have to drive quite far to find a healhcare provider who is in network, or pay a significantly higher portion for treatment if you choose to go out of network. That is what comes of ramming through slipshod legislation that no one has read, driven by emotional appeal, not facts nor intelligent review. As we all know, there simply is no free lunch.
November 13th, 2013 12:44 AM
Well, I sure wish you didnt have insurance problems. But, me being me, I have a different take on it all.
Im very glad that it was not bad MEDICAL news that you got today. I know many here were worried about you after your other post.
November 13th, 2013 01:08 AM
November 13th, 2013 03:55 AM
Bill Clinton, in what was mostly a "faith in Obamacare speech", nonetheless started out with a good dig at Obama - said since the President promised people would be able to keep their own plan - he thought the Govt should do good by their word, i.e DO what they promised: let people keep their own insurance. Now in most political things I'm a Centrist, sometimes a little towards the Right, sometimes a little towards the Left.
So, forgetting politics, seemed to me sensible and pragmatic answer. "Give 'em what you said you would". The screw-ups (which I hope will get straightened out since I'd like those who can't afford insurance to have it) are not anybody's fault but the Administration. Clinton seemed to point to the obvious. "So don't make it THEIR problem" "Time to ante-up like it was promised"
November 13th, 2013 05:14 AM
Something similar happened to me. Instead of being able to pick my doctor, the insurance company gave me a short list. Surprisingly short.
Happened about ten years ago. Things are better now. Same employer, current insurance company.
November 13th, 2013 06:34 AM
I haven't had medical insurance for about 5 and a half years. In 2010 I was in the hospital for 2 days. Ran up a bill of 13 grand. Afterwards I had to continue with these twice-3 times a week followup visits. I was paying as I went. They were nickel and dimeing me to the poor house. One day I got fed up. We had some words. Haven't been back.
I'm just a spoke in the wheel but not a big deal.
America...a Constitutional Republic. NOT a democracy as the liberals would have us believe.
Give me Liberty or give me BACON!!! Sent via Hemp string and C Rat cans
You know that look women give you when they want some sugar? Me neither
November 13th, 2013 06:44 AM
The problem is they can't. The bigger problem is they knew it when they said it, but the main problem is all the dupes who believed it and still do.
Originally Posted by detective
November 13th, 2013 07:56 AM
My husband, a mental health care provider (LPC), said something about him not being able to legally able to see Medicare people. I don't know why that is; something to do with his degree I think. The laws and rules just don't make a lot of sense in many ways. An LCSW has less schooling than my husband, but the rules for who they can see are more lax. My husband said they have a lobby that works for them and against the LPCs. He is able to see Medicare people.
Reimbursement for the public options tend to be lower than private, so he's careful to not have too many of them. We've got bills to pay, too. We can only expect the reimbursement to get even worse, and even more people will lose their providers. Insurance companies have been dumping providers, too; I think there was a mass dumping in FL recently, and a lot of elderly patients lost their long-time doctors.
We're losing our current health insurance in August. We are self-employed. When we planned ours years ago, it was cheaper to get ours separately than as a family plan. So I have my own, my husband has his, our son has his own, and our daughter is on our husband's (BCBS stopped doing individual policies for minors when she was born). None of us have maternity coverage, so that's why we're losing ours. Apparently a four-year-old boy needs maternity coverage, and I guess there are no exceptions made for medical procedures to make one unable to have more children.
"Americans have the will to resist because you have weapons. If you don't have a gun, freedom of speech has no power." - Yoshimi Ishikawa
November 13th, 2013 08:08 AM
Not good, Sister. However, this and much, much more fallout from the O'Care Law will come eventually, I believe this is only the tip of the proverbial iceberg.
I have insurance through the County Commission in the place I work and for now we still have it, but I'm just waiting for the eventual "your insurance is being cancelled" letter that millions of Americans are bound to receive. My wife does payroll & benefits at her work place and she still does not know if the O'Care tentacles will reach their work and insurance.
This was supposed to help people get and pay for Health Care but has done exactly the opposite of the "promise." I really don't know what people are going to do unless by some miracle, this nasty piece of crap law is totally repealed and we get back to really fixing how people PAY for health care. That is the problem, the inability for some to pay extremely high costs to get health care not the "denial" of health care that some Liberals are so fond of yelling about.
I hope your situation gets better.
"A Smith & Wesson always beats 4 aces!"
The Man Prayer. "Im a man, I can change, if I have to.....I guess!" ~ Red Green
November 13th, 2013 08:14 AM
Sister, from what I've seen of the plans, self pay is the way to go right now until the ACA is repealed. Most of the deductibles are very high (in the 6-9k range) and that's on top of the monthly premium. I think a lot of Doctors will go with self pay patients and start offering their own in-house insurance or "concierge service". It used to be considered more expensive, but now, with the ACA, it looks very affordable.
What a complete and utter mess, and it didn't need to be.
November 13th, 2013 08:25 AM
Just got a letter this week concerning my Health Insurance through work. Due to all the new requirements from Obamacare my WEEKLY premium is going up $28, and my Deductible has TRIPLED.
Cuz ya know, Obama thinks it's imperative that I carry coverage for mammograms and other female centric stuff.
November 13th, 2013 08:28 AM
What a horrible catch 22 people are in. If you are in a low income group you can apply for Medicade but many Doctors aren't accepting it because the reimbursements are too low. So, even though you now have insurance, there are no doctors to see you AND you can't then self pay because it would be illegal for the doctor to accept it.
Originally Posted by Sister
Last edited by Jeanlouise; November 13th, 2013 at 11:29 AM.
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