Obamacare in Laymen's Terms

[Anenome]

@Prime

My wife is a clinical pharmacist in the cardiology unit of a major regional hostpital, and I am a retail pharmacist. Her and I are very familiar with this stuff, and on October 1st some major changes went into effect in the hospital setting. If you would like me to go over some practical, specific examples of how this affects our practice I would be more than willing. As for what the guy posted on reddit, it looks to be accurate. Of course, the conclusions he draws are all bogus. But for the most part, what he typed is what is getting implemented.

For example there is this: “A limit is placed on what type of insurance accounts can be used to pay for over-the-counter drugs without a prescription. Basically, your insurer isn’t paying for the Aspirin you bought for that hangover.”

This is inaccurate. This law applies to health savings accounts or flexible spending accounts. These, of course, are not insurance. They are accounts that you personally deposit money from your pay check into, and are tax deductible. So when he makes comments about aspirin and hangovers, he’s just totally misleading you. You literally have to get a Rx from your Dr. now to use those accounts to purchase Tylenol or Benadryl. Obviously, nobody is going to do this. And it is completely separate from your actual insurance company.

Edit: If you would like a better timeline from the government itself, see here : http://www.healthcare.gov/law/timeline/index.html

How would you guys like to go back to a pure cash basis for working with patients?

I’m setting up a permanent seastead off the California coast within the next few years. It occurred to me that at least some doctors and healthcare providers might enjoy escaping the Obamacare system by moving just into international waters, 14 miles out, and doing business outside the healthcare law there, for profit again, with clients as customers and none of the red tape.

I can see a market for all sorts of high-end procedures, surgeries, and drugs that will be price-controlled, tamped down, or rationed under obamacare.