Just How Affordable is “Affordable Care”?

When the Affordable Care Act (ACA) went into effect in 2014, those of us on the front lines were in for some roller coaster ride experiences in helping people cope with the changes that came with it.

As a Registered Nurse (RN) Case Manager at the time, part of my job was to find out what the patient’s insurance would and would not cover and what out-of-pocket costs the patient would be responsible for as we made plans for transitioning the patient’s care to another setting after the patient left the hospital.

Much to the surprise of most patient’s who were covered by health insurance for the first time or whose policy had changed due to higher costs to their employers, there were now huge deductibles ranging from $2000 to $12,000 as well as copays up to 60%. Many of the individuals were having trouble paying their part ($25) of the monthly premium that was mostly covered by government subsidy. And had no way to pay the deductible or copay.

As a RN Case Manager, my job was to arrange home care and durable medical equipment for home use. Prior to ACA, most patients with insurance could afford their $500 deductible or had already met it prior to hospitalization. Most could afford the $20 – $40 copay for their rolling walker or bedside commode. Most had the $5 to $100 copay for the prescriptions the doctor wrote for the patient to continue treatment at home. Many could arrange to pay the $25 – $30 per visit copay for their home nurse or home physical therapist.

Not so much after the ACA came into being.

For purposes of discharge planning, I now had to treat my insured patients as if they were uninsured. I was sending family members to the local Goodwill in search of the rolling walker and bedside commode. I was begging home health agencies for home visits. I was asking doctors to re-write the home prescriptions for something on the $4 list.

The patients were shocked that their insurance didn’t cover everything 100%.

Another group of patients in for a rude awakening were those who were used to having coverage through their employer. Small business owners who had been able to offer health insurance to their employees in the past, now found the massive increase in cost to be totally out of reach even with cost-sharing with the employees. Therefore, the employer could no longer offer health insurance to his employees. Instead, these employees were left to shop the insurance marketplace on their own. Because they had full time, good paying jobs, they were not eligible for assistance with paying the premiums. And the premiums, even for the cheapest plans, were out of reach financially. Therefore, the employee had no choice but to go without insurance.

A third group of patients in for a very rude awakening were the ones with insurance through their employer and the employer had been able to continue paying the same amount in premiums, but for much less coverage and much higher deductibles and co-pays. This situation was brought to my attention by a patient who was undergoing chemotherapy on a monthly basis. Up through December the hospital co-pay had been $100 per hospital stay. She and her husband had been able to handle that. He had continued working passed retirement age to keep insurance to cover her cancer treatments.  When she came in to the hospital for her January treatment the year that the ACA went into effect, her husband talked with the insurance company and discovered that the new insurance policy had a $12,000 annual deductible and only covered 40% of the charges after the deductible had been met. When her husband told the patient what he had found out, her response was, “Well, I guess we might as well go home so I can die. We can’t afford that and I won’t be responsible for putting you out on the street after I am dead and gone.”

He smiled and kissed her and said, “I already took out a second mortgage on the house. Don’t you worry about me.  We’re going to get you the care you need to get well!.”

So again, I ask: Just how affordable is the Affordable Care Act? And for whom?

Telling it like it is,

Zona

Save on Father’s Day Gifts with Memorial Day Sale!

I found some great deals on Father’s Day Gifts that I just had to share!

Start Date: May 20, 2016
End Date: Jun 19, 2016
Type: Seasonal
Categories: Patio, Lawn & Garden

Make Father’s Day Great!!


Start Date: May 20, 2016
End Date: Jun 19, 2016
Type: Seasonal
Categories: Patio, Lawn & Garden

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Start Date: May 15, 2016
End Date: Jun 19, 2016
Type: Deals & Special Offers
Categories: Tools & Hardware

Top MOBE Affiliate Earnings Revealed

Every month, MOBE publishes a list of their Top 10 affiliates. Normally, the ranking is just the names of their affiliates and where they placed in the list. However, for April, MOBE included the amount of commission each affiliate made.

Here’s the Top Ten Earners in MOBE and how much they made in commissions – that means profit!

  • Darren Salkeld: $781,509
  • John Chow: $148,974
  • Shaqir Hussyin: $98,632
  • Rhonda Michele: $98,171
  • Jashin Howell: $78,708
  • Satyajit Purkayastha: $29,070
  • Paul Lynch: $26,430
  • Nick Pratt: $21,522
  • Dale Bundy: $20,126
  • Tim Atkinson: $16,912

In case you are not familiar with MOBE, it is My Own Business Education at mobe.com. The products are designed to help any business owner either online or offline. The products cover a wide range of topics and are up-to-date addressing current trend topics, cutting edge strategies and methods for business success.

MOBE has an affiliate program that is very lucrative with products ranging in price from free to $10,000 and above. The power of the program is the built-in training for new affiliates so they will know how to start making money right away and how to continue building to a freedom lifestyle.

If you are unfamiliar with the term “freedom lifestyle”, it refers to being able to work when and where you want with a portable, sustainable business model based on solid business principles. MOBE offers each of those:

The only job of a MOBE affiliate is to drive traffic to MOBE marketplace products.

Portable – You can choose to promote online or offline and run your business from your laptop on the beach or in the mountains — as long as you have an internet connection.

Sustainable – The key to success is building a profitable email list. The way to do this is to build a relationship with the people who make up the list so that they know, like, and trust you. As you learn their needs, wants, dreams, and desires, you can then introduce them to solutions that will meet those needs and wants, and help them achieve those dreams and fulfill those desires. Because they know, like, and trust you, they are likely to trust your offer and become customers.

MOBE has paid out more than $51million in commissions since its inception by Matt Lloyd four years ago and continues to grow. Matt Lloyd has built and continues to build MOBE as a long-term business model that will serve new and established business owners, managers, marketing professionals, and more for years and decades to come.

The best way to get started in MOBE is with a $49 application fee that is refundable within 30 days if you decide MOBE is not for you. During that first 30 days, you will go through a 21-step training program and have a personally assigned coach who will work with you to help you succeed. There is no other program available that does it better.

The best part of the MOBE model is that after you start bringing in people to the 21-step training program, there is a phone team specially trained to follow up with your prospects. On those phone calls, your prospects have the opportunity to purchase additional training and support and you healthy earn commissions even though the sales were handled by the MOBE team.

You never have to talk to any one on the phone or in person to be successful in MOBE!

Here’s you chance to apply for the 21-step training program for only $49.

Remember it is 100% refundable if you change your mind within 30 days!

We are so confident that the MOBE training will work for you that MOBE guarantees that you will make money if you apply what you learn in the 21 steps.

If you don’t make money, MOBE will pay you $500!

What have you got to lose?

Apply for the 21-step training today!

Let me know if I can be of assistance in helping you reach your goals!

God Bless!

Zona Taylor

http://SpeedyOnlineWealth.com
http://MyReservationZone.com
http://YouFeelingBetter.info