Patient Protection and Affordable Care Act

Discussion in 'Politics, Religion, Social Issues' started by iGary, Dec 30, 2010.

  1. iGary Guest

    iGary

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    May 26, 2004
    Location:
    Randy's House
    #1
    Just got an e-mail from our Health Savings Account Administrator. Apparently, purchases of over-the-counter meds will now be allowed.

    But you need a prescription.

    So if I have a headache and want to use my HSA, I have to go to my doctor to get a prescription for Tylenol?

    The more I dig into the Patient Protection and Affordable Care Act, the worse it gets.

     
  2. skunk macrumors G4

    skunk

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    #2
    In the UK we have to pay a prescription charge anyway, which in many cases makes it cheaper to buy the stuff without a prescription. Stop whingeing.
     
  3. iGary thread starter Guest

    iGary

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    Randy's House
    #3
    Well you guys also don't have to go straight to the doctor if you need a large variety of meds that require a prescription here, right?

    I'm just making the point that while it's nice that we can use our tax-free HSA money to buy over-the-counter drugs, they've made it ridiculously costly (a doctor's visit) to actually do it.
     
  4. Eraserhead macrumors G4

    Eraserhead

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  5. leekohler macrumors G5

    leekohler

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    Location:
    Chicago, Illinois
    #5
    Just how many over the counter drugs are you buying? I don't buy any. I don't even have aspirin. Just wondering how many drugs you're buying that would make using HSA money even worth it.

    $80 mostly. Not cheap.
     
  6. bruinsrme macrumors 601

    bruinsrme

    Joined:
    Oct 26, 2008
    #6
    Think of it this way.
    If the doctor requires a visit
    Co pay $20
    Doctor submission for services $120
    Tylenol $8

    Thinfs like this have me scratching my head trying to figure out how is this reform going to benefit me?
     
  7. bruinsrme macrumors 601

    bruinsrme

    Joined:
    Oct 26, 2008
    #7
    Lee, there were a lot of things that the HSA used to supported. The real advantage is they are pre-taxed dollars.

    A package of claritan that cost $30 (tax included) would cost just that with the HSA.
    Without the HSA a $30 purchase would cost more if you use net income dollars.
    In my case that $30 box essentially cost roughly $32.90
     
  8. skunk macrumors G4

    skunk

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  9. Ugg macrumors 68000

    Ugg

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    #9
    Generally a prescription is for more than just a month's supply if it's a maintenance drug for an ongoing problem like acid reflux or joint pain.
     
  10. leekohler macrumors G5

    leekohler

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    #10
    I understand what HSA does and how it works. I just wonder what amount of over the counter drugs people are buying to justify the outrage.
     
  11. eawmp1 macrumors 601

    eawmp1

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    FL
    #11
    If your consumption of OTC medications is significant enough to be financially worth the reimbursement, you probably should see the physician.

    Most OTC cold medicines are worthless. OTC analgesics, used in sufficient quantities, can do harm. OTC antacids work, but if you are taking them chronically you may be masking a more serious condition.

    We in the US are too quick to pop pills, rather than get to the root cause of our ailments.
     
  12. leekohler macrumors G5

    leekohler

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    #12
    Agreed. I have to say that I only see this as a good thing. Maybe people will think twice before buying all this garbage. We don't need to take more pills in this country, we need to take less.
     
  13. iJohnHenry macrumors P6

    iJohnHenry

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    #13
    This is true, ignoring the hidden costs built-in to support the NHS.

    I also paid nothing for my bowel resection.

    Like to hear what that would cost in the States. :rolleyes:
     
  14. leekohler macrumors G5

    leekohler

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    #14
    It would most likely break the bank at tens of thousands of dollars.

    EDIT- looked it up. A grand total of $15,142. But that's just an estimate.

    http://healthcarebluebook.com/page_Results.aspx?id=68&dataset=MD
     
  15. OutThere macrumors 603

    OutThere

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    #15
    I agree that if you're using enough OTC drugs to justify the use of an HSA, a consult might be in order. I can't remember the last time I took a OTC pill. I haven't even taken a pill of any kind since I had my wisdom teeth out two years ago.
     
  16. Ugg macrumors 68000

    Ugg

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    #16
    Ah, the innocence and healthiness of youth!
     
  17. leekohler macrumors G5

    leekohler

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    #17
    Hey- I'm almost 44 and don't take pills unless absolutely necessary. And that's with arthritis in both knees and postherpetic neuralgia (pain that lasts for years after shingles-been over two years so far). I'd rather deal with the pain than take that crap they call medicine and end up with worse problems later. There are better ways to manage pain, especially arthritis pain.
     
  18. macquariumguy macrumors 6502a

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    #18
    Ridiculous.
     
  19. skunk macrumors G4

    skunk

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    #19
    I know. I complain bitterly every time.
     
  20. samiwas macrumors 65816

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    Location:
    Atlanta, GA
    #20
    That's because you're liberal socialists who don't understand how free-market capitalism could save you even more money. Oh wait... :D

    I also don't take any medications unless I really feel the need to. The most I do is some ibuprofin every now and then if I get a really bad headache, or some Tylenol cold when I get a really bad runny nose. Both work for me. We're talking a handful of times a year on the ibuprofin.

    I agree that Americans pop pills waaaayy too much. My wife is a living example. Her medicine cabinet looks like a pharmacy. There are so many OTC pill bottles in there, it's insane. Something for each and every possible ailment. She used to use those things multiple times a day for whatever she was feeling at the moment. Then she just stopped using most of them. Guess what? She still functions just the same. They might offer a small amount of temporary relief, but in the end, the result is pretty minimal in general for most people. I think it's mostly psychological.
     
  21. citizenzen macrumors 65816

    Joined:
    Mar 22, 2010
    #21
    Late to the party...

    Seems a key aspect of this new regulation is the term "reimbursement".

    You can buy all the Tylenol you want. But if you want the government to reimburse you for the purchase there must be a legitimate medical need for it... confirmed by your doctor's prescription.

    Seems pretty simple and rational to me.
     
  22. leekohler macrumors G5

    leekohler

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    #22
    And I think a good way to go, quite honestly.
     
  23. satcomer macrumors 603

    satcomer

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    #23
    So how's your Snow removal?
     
  24. MyDesktopBroke macrumors 6502

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    Jun 2, 2007
    #24
    Probably better than in America, judging by how our NYC neighbors are faring.

    Having government death panels: Priceless
    (Actually, both cost tons of pounds due to socialist taxes trololol /sarcasm)

    And so I don't forget::rolleyes::rolleyes::p:D;):rolleyes::D
     
  25. Macky-Mac macrumors 68030

    Macky-Mac

    Joined:
    May 18, 2004
    #25
    $80? that's CHEAP!!!!

    My doctor, or rather the clinic that employs him, charges $205 for an office visit.....however the insurance company I buy my coverage from has negotiated a price of $115 per office visit at that clinic. Safe to say that only those without insurance have to pay $205
     

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