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Thread: One of the Most Helpful Parts of ObamaCare Just Kicked In

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    BAMAPHIN 22's Avatar
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    One of the Most Helpful Parts of ObamaCare Just Kicked In

    You probably missed it because of the media's focus on the fiscal cliff, but a provision of ObamaCare took effect on January 1 that can help you avoid making costly mistakes when you sign up for health insurance. At the very least you'll be able to understand what you're actually signing up for.
    From now on, health insurers will have to provide us with information in plain English, and in no more than four pages, about what their policies cover and how much we'll have to pay out of our own pockets when we get sick. And they'll have to provide it in a standard format that will enable us to make apples-to-apples comparisons among health plans.
    As you can imagine, insurers fought hard to kill that part of the law. That's because they've profited for years by using legalese and gobbledygook in describing their policies, and also by purposely withholding information we really need to make informed coverage decisions.
    Now at long last, thanks to ObamaCare, you can say goodbye and good riddance to "explanations" like this one:
    Benefits are payable for Covered Medical Expenses (see "Definitions'') less any Deductible incurred by or for a Covered Person for loss due to Injury or Sickness subject to: (a) the Maximum Benefit for all services; (b) the maximum amount for specific services; both as set forth in the Schedule of Benefits; and (c) any coinsurance amount set forth in the Schedule of Benefits or any endorsement hereto. The total payable for all Covered Medical Expenses shall never exceed the Maximum Benefit stated in the Schedule of Benefits. Read the "Definitions'' section and the "Exclusions and Limitations'' section carefully.
    Yes, that's from an actual policy the folks at Consumers Union found during research they did a few years ago into the consequences to patients of indecipherable policy descriptions.
    http://www.huffingtonpost.com/wendel...b_2425058.html
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    Re: One of the Most Helpful Parts of ObamaCare Just Kicked In

    I love it when people quote the Huffington Post ass some unbiased bastion of knowledge. However,I will concede that some clarity in insurance jargon would certainly help...and this is coming from a director at a medical center! A golden nugget indeed.

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    GoFins!'s Avatar
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    Quote Originally Posted by Buddy View Post
    I love it when people quote the Huffington Post ass some unbiased bastion of knowledge.
    We should be grateful that no one here uses the Daily Show as a source.
    ďIím somewhat disappointed that more African Americans donít think for themselves and just go with whatever theyíre supposed to say and think."


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    Locke's Avatar
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    Quote Originally Posted by GoFins! View Post
    We should be grateful that no one here uses the Daily Show as a source.
    I don't see why they shouldn't. It's more credible than Fox...

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    Spesh's Avatar
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    Quote Originally Posted by Locke View Post
    I don't see why they shouldn't. It's more credible than Fox...
    Because we are on the subject, hilariously:
    Because the aim of the study was to isolate the effects of each type of news source, they then controlled for variables such as other news sources, partisanship, education and other demographic factors.

    They found that someone who watched only Fox News would be expected to answer 1.04 domestic questions correctly compared to 1.22 for those who watched no news at all. Those watching only "The Daily Show with Jon Stewart" answered 1.42 questions correctly and people who only listened to NPR or only watched Sunday morning political talk shows answered 1.51 questions correctly.
    http://www.businessinsider.com/study...#ixzz2HKN823g5

    If you google the subject, Huffington Post has a story about it but, more importantly, also the actual study. For some reason i couldnt copy the Post article and i didnt think people on here would like to read the entire 11 page paper on the study.

    edit in: Pictures!





    So yeah, perhaps we should be linking the Daily show on here.
    "Ignorance is not an excuse" were the words Goodell used when describing why those involved in the Saints bounty scandal would not avoid punishment.
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    Quote Originally Posted by Spesh View Post
    Because we are on the subject, hilariously:
    http://www.businessinsider.com/study...#ixzz2HKN823g5

    If you google the subject, Huffington Post has a story about it but, more importantly, also the actual study. For some reason i couldnt copy the Post article and i didnt think people on here would like to read the entire 11 page paper on the study.

    edit in: Pictures!





    So yeah, perhaps we should be linking the Daily show on here.


    awesome, you just wasted 10 minutes of your life looking up graphs and data. which avid poster in this forum says they get their "news" from fox? i think most of us (except for the crazy righties and crazy lefties) get our information from all kinds of sources. are you suggesting that your primary source of news is from "the daily show".
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    Quote Originally Posted by jared81 View Post
    awesome, you just wasted 10 minutes of your life looking up graphs and data. which avid poster in this forum says they get their "news" from fox? i think most of us (except for the crazy righties and crazy lefties) get our information from all kinds of sources. are you suggesting that your primary source of news is from "the daily show".


    You're missing the point. In a controlled study you have to artificially control certain variables in order to get useful results. Tell me that's not news to you.
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    Spesh's Avatar
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    Quote Originally Posted by jared81 View Post
    awesome, you just wasted 10 minutes of your life looking up graphs and data. which avid poster in this forum says they get their "news" from fox? i think most of us (except for the crazy righties and crazy lefties) get our information from all kinds of sources. are you suggesting that your primary source of news is from "the daily show".
    Fascinating. You quoted my post, yet seem to have completely missed where i responded to Locke's reference to Fox News. Outstanding stuff.

    And i most certainly did spend some time looking at those graphs and studies. I prefer making a informed opinion on many subjects, including but not limited to media bias. To help make that informed opinion some of us try and look outside our own predetermined prejudices and examine the situation from a objective position. Studies can help when differentiating lies from facts. Granted, the other side of the coin is to not do any of that and make bold claims with absolutely no evidence. Each to their own i suppose.

    Had graphs not proven to be anathema to you, you might have noticed that the study used multiple sources. What i personally found most interesting about that study is how those who dont watch the news at all are better informed than Fox/NBC viewers . I believe the original study had a catagory for those who get their information from various sources, i gave instructions on how to find it. Admittedly, if you decide to check it out, you might run across some graphs. So you know...prepare yourself.

    Oh, and to answer your question, no. I watch the Daily Show for entertainment purposes. Though given how much better they are keeping their viewers accurately informed, i might have to reconsider how often i watch it.
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    Any other outcome and we'd be arguing about the bias of the questions.

    On average, people were able to answer correctly 1.8 of 4 questions about international news, and 1.6 of 5 questions about domestic affairs.
    Where'd they find so many uniformed people?

    The first indication of a potentially flawed sample is that these people either don't have caller ID or are lonely enough to answer the phone regardless just to have someone to talk to.
    Last edited by GoFins!; 01-08-2013 at 09:57 PM.
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