Get PJ Media on your Apple

The PJ Tatler

by
Bryan Preston

Bio

February 7, 2014 - 8:52 am

KTBS-TV reports on the plight of the Schmidt family of Texas. Both face surgery and rising insurance premiums from their private health insurance carrier. They worked two computers to find a new plan under Obamacare at Healthcare.gov. They hoped to save money.

Obamacare offered them a plan that did have a lower premium, but the overall cost is much higher. Out-of-pocket costs skyrocket, and the deductible jumped to an extremely pricey $12,700.

“This is insane,” Robert Schmidt told KTBS. “The deductible has gone crazy. $12,700 deductible. That’s…a lot of money.” Their current plan offers 100% coverage, so they plan to stick with it.

Bryan Preston has been a leading conservative blogger and opinionator since founding his first blog in 2001. Bryan is a military veteran, worked for NASA, was a founding blogger and producer at Hot Air, was producer of the Laura Ingraham Show and, most recently before joining PJM, was Communications Director of the Republican Party of Texas.
Top Rated Comments   
What o-care has done is create the catastrophic-care-with-birth-control insurance plan.
10 weeks ago
10 weeks ago Link To Comment
It's neither insurance nor a service plan. They get no services for their premiums. What they get is a bill to pay the "insurer." That's it. That's all they get. And then when they need medical care, they get another bill to pay the provider. It is nothing more than a plan to throw your money away, a plan that does nothing except impoverish you and enrich some corporation.
10 weeks ago
10 weeks ago Link To Comment
All Comments   (14)
All Comments   (14)
Sort: Newest Oldest Top Rated
You may be an Obama supporter, but are you really willing to support others who will be given your tax money to pay for their health insurance? Your rates go up to support them and your annual deductible amount goes up, too. Obama is trying to delay this, but from then on FOR THE REST OF YOUR LIFE you will pay those higher rates and deductible costs. Since the Democrats all voted for it, they can’t be depended on to join the effort. It’s up to us to vote for Republicans to get enough people in office who want to repeal the law. This is for all government levels. Remember, it’s YOUR money so vote your pocketbook. This situation is hardly different from your taxes being assigned to support an illegal alien, and that will happen when Amnesty is the law. If you don’t believe that surprise is buried in Obamacare, see
http://www.kaiserhealthnews.org/stories/2012/october/11/health-care-immigrants.aspx Also, medical taxes go up in 2014. See http://obamacarefacts.com/obamacare-taxes.php Join with us to our mutual benefit in the Primary elections and in November 2014. After obamacare is repealed or defunded we can go back to our normal bickering.
9 weeks ago
9 weeks ago Link To Comment
How's that Hopey-Changee thing working for you? MMM mmm MMM.
9 weeks ago
9 weeks ago Link To Comment
Old people who both need surgery should just offered a plan to climb onto a chunk of ice and be pushed out to sea and be done with it. That's how it's always been done, and that's what ObamaCare will end up as too. Although I'm still having trouble believing that the gazillion Baby Boomers will allow this to be done to them, and won't band together to Nixonize that horror in the White House.
10 weeks ago
10 weeks ago Link To Comment
What o-care has done is create the catastrophic-care-with-birth-control insurance plan.
10 weeks ago
10 weeks ago Link To Comment
This isn't insurance. There may be an upside here, though. If people start paying out of pocket for care, prices might regain some rationality, which doesn't happen with third party payers.
10 weeks ago
10 weeks ago Link To Comment
The issue is that it is being touted as comprehensive medical insurance. While in reality it is a scam. Once you get done paying your co-pays, deductible and hospital cost sharing you might as well have negotiated with the provider. It would end up cheaper.
10 weeks ago
10 weeks ago Link To Comment
It's neither insurance nor a service plan. They get no services for their premiums. What they get is a bill to pay the "insurer." That's it. That's all they get. And then when they need medical care, they get another bill to pay the provider. It is nothing more than a plan to throw your money away, a plan that does nothing except impoverish you and enrich some corporation.
10 weeks ago
10 weeks ago Link To Comment
No, it's actual insurance. You use it when you get cancer and hope that never happens...however, it also has full coverage for a laundry list of leftist interest groups that triples the market cost. Coverage for mental health no one will ever use, coverage for birth control, coverage for pregnancy for people unwilling to save to have a baby. Every irresponsible behavior is covered and then a real insurance plan is added.

The fix is to have a policies with 5,000, 10,000 and 15,000 deductibles which pay for any and all medical care above that number, and make them available at market cost. NO OTHER COVERAGE ALLOWED ON THOSE POLICIES. Then have "supplemental" pre-paid health plans to cover anything else people want, but you can see the cost and decide.

Unbundling allows consumers to make choices.
9 weeks ago
9 weeks ago Link To Comment
@KatherineinRB: Correct, it's not insurance, it's a service plan. Insurance is for catastrophic events which people can't normally afford all at one time (e.g. house burning, car getting totaled, lengthy hospital stay) not for routine dr visits, check-ups, coughs/colds or hangnails. When you are mandated to pay a $12.7K deductible, you may be better off saving the premiums & the deductible & paying for your own dr visits, combined with a true catastrophic medical insurance plan or MSA. When people figure out they're paying in more than what they're getting in return, they should stop paying & Obamacare will collapse, and hopefully sooner than later. Car insurance doesn't pay for gasoline, oil changes, tires, batteries - all things you know you will need at some point. Homeowners insurance doesn't pay for light bulbs, painting, mowing the yard - again all things you know you will need at some point.
10 weeks ago
10 weeks ago Link To Comment
@RockThisTown, and once you have paid the deductable, guess what? It's
time to start paying all over again, and again, and again, and on & on & on.
No end in sight.
10 weeks ago
10 weeks ago Link To Comment
Yep - and guess what else? You pay the premium, the deductible, co-pays, co-insurances, & you never see that money again - it's gone regardless of how healthy you keep yourself & you keep paying & paying. There is zero incentive to become & remain healthy but there is significant incentive for those who pay nothing to use services, even if they don't need them. Moreover, numerous studies have shown that Medicaid doesn't substantially improve health outcomes, that is, Medicaid recipients may go to the dr or hospital, be treated & get meds, but many of them continue with their unhealthy lifestyles - smoking, drinking, drugging, overeating, not engaging in physical activity, etc. Government (and some argue any third party) involvement in the health care system only enhances the potential for fraud, waste & abuse.
9 weeks ago
9 weeks ago Link To Comment
This baffles and scares me that "they" would present this as a good thing. The insurers get a monthly route into your wallet, but they are not compelled to pay out until the wallet, your bank account and any equity in your home is emptied. And then it will pay "some costs".
What does insurance mean? I don't want auto insurance to pay for my gas, I don't want "health" insurance to pay for doctor visits, but what is insurance? That deducible takes me into an unknown land.
9 weeks ago
9 weeks ago Link To Comment
You pay for everything that everyone uses. You cannot have "insurance" for food, clothing, gas etc. because those are not insurability events, they are inevitable events.

Insurance is for low incident risk, crash your car, house burns down, cancer.

Pre paid health plans are for either annual care or inevitable or near inevitable risk, such as end of life care. Our economy has products for all these things, but the Left makes hay by confusing them, and protecting bad behavior.

You cannot purchase end of life coverage a year before you die, not economically, as there is no investment period for your premiums to grow and pay for your care. The Left acts like this is because greedy insurers are bad people.

It's all a political game for power.
9 weeks ago
9 weeks ago Link To Comment
"I don't want "health" insurance to pay for doctor visits . . . "

I hate to break the bad news to you, but you'll pay for routine dr visits whether or not you want to. You'll also pay for a multitude of other services you'll never need - (in)fertility treatment, birth control, maternity, abortions and a whole lot more. Welcome to the wonderful world of overreaching, meddlesome government bureaucrat-run healthcare.
9 weeks ago
9 weeks ago Link To Comment
View All