When did $100 a month become Chump Change? An Obamacare reality check

Obamacare? And are the advertised costs Real?

Let me start of with the statement; I truly feel that not only every American, but every human being in the world deserves to have basic health care.

I believe that every human being on this planet has a right to live a full and healthy life.

Now, how does our country pay for such a rash assurance to our fellow citizens? Honestly, I don't have a clue. But regardless, I firmly believe this should be so in a caring and evolved society.

On the other hand, do I believe Obamacare is the way for us Americans to implement such a goal for our fellow citizens?

Again, I really don't know exactly what the historians of the future will look back and say about this period in our national history as we grapple with this Liberal dream as opposed to the nations fight with financial reality, to pay the costs.

But, I do know that this political fodder our Congress and our President are feeding us, the citizens of America, about the cost of this specific health care package, is just, well, BS!

Obamacare is expensive

Source

The real cost of Medical Insurance

I don't know about you, but in my world a spare 100 dollar bill is a rare thing to see and having that much extra money to spend each month is a dream.

And, No! I am not what the government defines as Poor. I am a middle-class retiree who has a little bit of money put away for emergencies.

My wife and I consider ourselves to be what we call "comfortable". We have a small home in a retirement community, we drive a nice car, we wear nice clothes, and we go out to eat at a restaurant when we want to get out.

But we also have a number of health problems that cost us a lot of money.

I have a kidney transplant and luckily I'm doing well, relatively speaking.

I pay for my Medicare Part A and B. I pay for my Medicare Part D. I also pay for a supplemental insurance policy which covers my excess medical costs over and above what Medicare Part A and B pay for. And my drugs (11 prescriptions, not generics) cost me significant money for the drug costs Medicare Part D doesn't cover.

Add to this the fact that my wife has the same costs for her insurances as well as her own uncovered extra costs, and you can see where the large portion of our money goes.

I mention all of this because I want you to understand that I KNOW ABOUT MEDICAL COSTS. I live in and deal with this special health insurance Hell, daily.

What about the other costs of being Ill?

OK, as I said, I have worked my whole life and I have retirement income that allows me to pay for all of my medical costs, presently!

Our president and Congress tend to go on and on about their claim that many of the average healthy persons who sign up for Obamacare will only be charged less than $100 a month for their new socialized medical care.

My question is why don't they mention the other costs that go with this medical coverage.

Why don't they mention that your deductible can run from hundreds to several thousands of dollars?

Why don't they mention that the $100 is for ONE PERSON! IF you are married and if you have kids, this monthly cost will be even bigger. So big in fact that it can be devastating to the American standard family size of four people.

Why don't they mention that when they go to a doctor, there will be the same 80%, 20% split of the actual bill.

Why don't they mention that although you can get generic drugs for as little as $5 for a 30-day supply, or for free in some cases, real drugs cost a lot of money. And assuming that Obamacare will be similar to Medicare, there will be significant charges for these non-generic drugs.

Why don't they mention that unless you are essentially indigent, there will be these extra costs for even Obamacare insurance holders.

And, why don't they mention that fewer and fewer doctors and hospitals and treatment centers are willing to accept the Medicare standard payments and will also, in all probability, reject Obamacare patients as well.



When did $100 become Chump Change?

That is something that really anger me as an American.

The fact that telling our struggling citizens and even most of our middle-class that $100 is so little money that everyone can afford it.

Really? As I mentioned, it is a significant sum for me and I am "comfortable" financially.

Has inflation eaten our economy down so much that we need to issue a new currency?

I mean, pennies cost more than a penny to make.

Parking meters only accept credit cards or a stack of quarters for an hours parking.

Gas costs enough per gallon that a round-trip drive to a doctor will cost most people $6 to $10 dollars for a round trip assuming a typical distance of 12-15 miles each way. In traffic.

Car payments are typically $300 to $600 per month over 6 to 7 years, which is significant of you consider the extra wear and tear from doctor visits.


Welcome to my world as a Retiree.

Yes, welcome to my world.

You see, I was FORCED by my government to pay into Medicare for my whole life. And, I was FORCED to use Medicare as my insurance carrier, whether liked it or not.

And, people, I am being FORCED to watch as our Congress rapes my medical coverage a little more each year because it costs too much.

So, sign up for Obamacare, and you too can join the ranks of the Medicare recipients who are not loved anymore by Congress. You too can watch as they call your health care an ENTITLEMENT and attempt to strip your medical care as they waste more and more of our tax dollars on frivolous expenditures around the world.

Welcome aboard!

Remember, it's only less than $100 a month.

In Summary

OK, I think I have made my point.

$100 a month is not the only cost of getting ill.

And, really, will a person who can barely afford the basic insurance cost really go to the doctor when he sees how much these other costs really are?


Click on this link to go to the NPR site and use their calculator of the Cost of Obamacare.

Enrollment Shortfall a catastrophe.

Doctors against Obamacare

© 2013 Don Bobbitt

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9 comments

Jed Fisher profile image

Jed Fisher 3 years ago from Oklahoma

It's insurance. That's the problem.


The Frog Prince profile image

The Frog Prince 3 years ago from Arlington, TX

The problem with Obamacare is that it was totally misguided and no more than a takeover of 1/6th of our economy. As it rolls out it increasingly becomes more unpopular. Time to repeal it and then actually concentrate on health care reform.

The Frog


lmmartin profile image

lmmartin 3 years ago from Alberta and Florida

I don't for one minute pretend to understand the US model for health care, having spent most of my life living in Canada where we have managed a reasonably good job of providing care for all. It seems so incredibly complicated when it should be so simple. I work in health care in Florida, so I see a lot of the problems up close and personal. I see patients undergo miracle cures which coincide with their insurance allotted days in rehab run out and ready or not, home they go. Of course, the only option for some is to turn up an emergency room and start the whole process all over again... I see people who cannot get the procedures they need because they can't afford them. I see elderly who need a knee transplant or a new hip who are being asked to pay $300/day in the hospital and $150/day for rehab over an above their Medicare and supplementals -- and so the go without the surgery and suffer great pain as their conditions worsen. And this is just the tip of the iceberg but my comment would be longer than your hub if I listed ALL the sad stories I've encountered. No, I don't understand. I don't understand what deficiencies exist in American society that they cannot figure out a way to do what most other advanced nations have done. Perhaps you can enlighten me?


LuxmiH profile image

LuxmiH 3 years ago from Fort Pierce, Florida

I do wish America would wake up to read between the lines. Thank you for writing this. Well done!


Don Bobbitt profile image

Don Bobbitt 3 years ago from Ruskin Florida Author

Frog Prince- I am in total agreement with you. What we are seeing right now is just the tip of the Iceberg, To attempt to make such a radical change to a government was ridiculous to start with. And to have the unknowing writing a Heath Care law exceeds what even our elected idiots should have thought possible.

Don


Don Bobbitt profile image

Don Bobbitt 3 years ago from Ruskin Florida Author

lmmartin= Your experiences are far too common for Americans. Members of our society think nothing of casting once productive citizens aside, once their bodies have been worn out. And the easy way to do this is to strip them of their last few dollars when they get ill.

To them and our congress, let them be billed to the point that they even lose their homes in most states as these non-profit hospitals who put the elderly onto the streets.

It is the system that was already broken that we should be fixing, before we attempt to fulfill some socialist presidents dream that he read about in a book.

Thanks for the comment,

DON


Don Bobbitt profile image

Don Bobbitt 3 years ago from Ruskin Florida Author

luxmiH- Thanks for the read and comment.

I agree with you that too many f us are just sliding through life without getting involved in how our country is changing.

DON


cclitgirl profile image

cclitgirl 2 years ago from Western NC

Eh, if it's any help, my husband and I signed up on Saturday (wanted to wait until the website was fixed). We got on the Silver $35 plan. Based on our income, we could have paid $0 (I swear I am not exaggerating) but the deductibles were like $10,000. We have a HUGE tax credit for our income bracket. We went for the $500 deductible and it'll cost us - together - $35 a month. Granted, I am a teacher living in NC - the state that is #49 in teacher pay and I work part time while I'm in grad school (and don't qualify for insurance at my school). My husband is trying to get a business off the ground...so he doesn't have insurance, either. But...it'll be interesting to see how it plays out. So far, I'm pleasantly surprised. :)


Don Bobbitt profile image

Don Bobbitt 2 years ago from Ruskin Florida Author

cclitgirl- Thanks for the comment. And good for you with your $35 monthly fee and on now having some kind of medical coverage. Having something is so important.Believe me, I know!

I hope you both stay healthy and do not have to use that deductible at all or at least only maybe once or twice a year.

Thanks again for commenting,

DON

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