Posts
6184
Joined
8/27/2006
Location
Acworth, GA, USA
Edited Date/Time
1/24/2012 5:30pm
I personally don't understand why everyone is so upset about healthcare reform. Our current system has some major flaws and it looks to fix some of those.
Good:
-Can't be denied for pre-existing conditions
-More affordable healthcare for people that are self-employed and can get coverage similar to group coverages
-On parents plan until 26-this is great for youngsters entering job market. We know anyone under 26 typically is still trying to gain job experience and are on the lower income bracket.
Bad:
Not real sure
Would love some input. I have pretty good insurance under business group coverage. My girlfriend had to pay $200 a month for individual coverage and it was a $5000 deductible. Nothing was really covered except just a doctors visit but no bloodwork, mri, etc. We pay the same per employee here for $500 deductibles. Doesn't make sense. Hopefully this bill will clear up some of that bullshit.
Here's some info from an article I read that I thought said it pretty good.
"The legislation is neither as bad as the Republicans make it out to be, nor as fabulous as the Democrats claim.
The bill changes the health care system to an amazing depth and breadth, and despite the proclamation of economists, politicians and policy wonks, we do not really know the full impact of the bill.
Reform is needed; we will soon be hitting the point at which employers have trouble providing health insurance to employees at an affordable price, the alternatives being dropping coverage or taking more from employees’ pockets.
President Obama will be hammered by the political right for going too far too fast, and by the progressive left of his own party for being timid. The left wanted a single payer system, was willing to settle for a public option, but left the table with only hope that reform will be revisited, as it will.
The amount of misinformation, overgeneralization and plain old hot air tossed around during the debate make a calm analysis difficult, and will leave citizens and patients confused and alarmed, probably more than required. The bill is full of slow phase-ins and long transitions as we attempt to turn around one-sixth of our economy and attempt to attain several seemingly contradictory goals."
Good:
-Can't be denied for pre-existing conditions
-More affordable healthcare for people that are self-employed and can get coverage similar to group coverages
-On parents plan until 26-this is great for youngsters entering job market. We know anyone under 26 typically is still trying to gain job experience and are on the lower income bracket.
Bad:
Not real sure
Would love some input. I have pretty good insurance under business group coverage. My girlfriend had to pay $200 a month for individual coverage and it was a $5000 deductible. Nothing was really covered except just a doctors visit but no bloodwork, mri, etc. We pay the same per employee here for $500 deductibles. Doesn't make sense. Hopefully this bill will clear up some of that bullshit.
Here's some info from an article I read that I thought said it pretty good.
"The legislation is neither as bad as the Republicans make it out to be, nor as fabulous as the Democrats claim.
The bill changes the health care system to an amazing depth and breadth, and despite the proclamation of economists, politicians and policy wonks, we do not really know the full impact of the bill.
Reform is needed; we will soon be hitting the point at which employers have trouble providing health insurance to employees at an affordable price, the alternatives being dropping coverage or taking more from employees’ pockets.
President Obama will be hammered by the political right for going too far too fast, and by the progressive left of his own party for being timid. The left wanted a single payer system, was willing to settle for a public option, but left the table with only hope that reform will be revisited, as it will.
The amount of misinformation, overgeneralization and plain old hot air tossed around during the debate make a calm analysis difficult, and will leave citizens and patients confused and alarmed, probably more than required. The bill is full of slow phase-ins and long transitions as we attempt to turn around one-sixth of our economy and attempt to attain several seemingly contradictory goals."
It passed and we all have to live with it, so may as well take it in stride.
I am however glad that funding for abortions paid for by the Govt has been removed from the bill. that was a major dislike for me.
I'm sure in the coming weeks as the bill gets dissected more and more there will be hot button issues, but like anything, that's to be expected.
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2. Medicare Payroll Taxes increased.
3. 85% of Americans had Health-Care ALREADY v. 95% of Americans are Supposed to End-Up with Health-Care under this Trillion Dollar Bill.
$950,000,000,000.00 is the same as a "Billion" in the Big-Picture...
And that's if you are stupid enough to trust their "Math" to begin with.
This is where we have someone chime in and tell us how "It's going to be GOOD for us!".
Or about the "Tax-Breaks" for small business...right.
Where are the New Rates for all this "Affordable Helath Insurance"?
How much are we going to pay for these "Subsidies" when the REAL NUMBERS are in?
I'm jus' laffin'...
I get a kick outta "Subsidizing" households "below" $88,000...
Right, I guess there's a newer...higher...number for the "Working Poor".
Classic.
What's next: Subsidize their Flat-Screen T.V.s?
Hasta la Vista, Baby!
MANDATED COVERAGE....I think congress is using the constitution for toilet paper in DC....
Health insurance premiums are going to go up for the healthy (to pay for the unhealthy)...I thought this was going to lower costs?
Penalties for not having insurance (up to $3K/year for families).
They talked about health CARE, and are trying to fix CARE costs by providing INSURANCE. They COMPLETELY missed the friggin' mark.
Small businesses don't offer insurance for a reason...THEY CAN'T AFFORD IT...so forcing them to buy it, is going to force them out of business or to lay people off so they have less than 50 employees.
Ultimately I' against it because it mandates coverage, and is going to increase my insurance costs.
Did anyone notice that they MANDATED coverage? And gave the IRS the authority to raid our piggy banks to collect the penalty (coughTAXcough) for not having insurance.
The problem with this country is that they want us to be free to succeed without the risk of failure. And mandating health insurance is a perfect example. if I want to not have insurance, and I get sick/hurt, I want them to let me die. I want the freedom to choose, and I knowingly accept the consequences of not (potentially death, in this case, and I'm okay with that).
This bill blows....MANDATED COVERAGE!!!!! This is the first time in my life the government actually FORCED me to do something...what the hell? This makes the patriot act look like a board game.
2. Complete violation of the founding principles of individual liberty.
Any increase in government comes with a commensurate decrease of individual liberty.
3. Preventive healthcare dictated by the inbred control freaks running the government.
Consider the Social Security ponzi scheme (and it is a ponzi scheme). Did you ever read those letters you get from the IRS that say what you've contributed and what you can expect as a payout during retirement? And then check the fine print where it says there is NO guarantee you will receive ANYTHING?
The definition of a ponzi scheme is:
: an investment swindle in which some early investors are paid off with money put up by later ones in order to encourage more and bigger risks
Isn't that virtually the same as what we have going on now? Any monies you contributed are long gone and the current SS recipients are paid by the inflow from the current workforce?
Or how about What happens to the money contributed to the Social Security system when a person dies before retirement age? You would think the honest thing to do would be to roll that money over to the surviving family members, but it appears instead the government just walks with it and nobody thinks anything of it and it's never mentioned. There were approximately 2,400,000 deaths in the U.S. in 2000 according to the mortality tables. Let's say that 400,000 of them were between the ages of 40 and 60 with an average contribution amount of $30,000. That would mean the government is walking with $12,000,000,000 of technically unaccounted for tax (retirement) dollars per year.
And you trust these same thieves to take over healthcare?
A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a democracy always collapses over loose fiscal policy, always followed by a dictatorship. The average age of the world's greatest civilizations has been 200 years.
Great nations rise and fall. The people go from bondage to spiritual truth, to great courage, from courage to liberty, from liberty to abundance, from abundance to selfishness, from selfishness to complacency, from complacency to apathy, from apathy to dependence, from dependence back again to bondage.
I'm jus' sayin'...
So it goes to the WH and the President for signature (tomorrow)
The House did send a package of changes that are to be implemented, but those were sent as a separate bill. Senate has the votes to pass, and even if they don't pass it, the HC Bill passed last night is still law.
What the house sent was basically tweaks to what, by that time, will be existing law
Pit Row
Will get healthcare payed for by these people
Oh, and it will kill small business. That counts.
Let's take this point which is central to the post
Or how about What happens to the money contributed to the Social Security system when a person dies before retirement age? You would think the honest thing to do would be to roll that money over to the surviving family members, but it appears instead the government just walks with it and nobody thinks anything of it and it's never mentioned. There were approximately 2,400,000 deaths in the U.S. in 2000 according to the mortality tables. Let's say that 400,000 of them were between the ages of 40 and 60 with an average contribution amount of $30,000. That would mean the government is walking with $12,000,000,000 of technically unaccounted for tax (retirement) dollars per year.
And you trust these same thieves to take over healthcare?
Well, that would just be horrible if true.
The facts are these:
When a person who has worked and paid Social Security taxes dies, certain members of the family may be eligible for survivors benefits.
Up to ten years of work is needed to be eligible for benefits, depending on the person's age at the time of death.
If you apply, please be ready to supply the information we need to approve your application for these benefits:
* Lump Sum Death Payment
* Widow's, Widower's, or Surviving Divorced Spouse
* Child's
* Mother's or Father's
* Parent's
Who is eligible for survivors benefits
Social Security survivors benefits can be paid to:
* A widow or widower -- full benefits at full retirement age, or reduced benefits as early as age 60
* A disabled widow or widower -- as early as age 50
* A widow or widower at any age if he or she takes care of the deceased's child who is under age 16 or disabled, and receiving Social Security benefits
* Unmarried children under 18, or up to age 19 if they are attending high school full time. Under certain circumstances, benefits can be paid to stepchildren, grandchildren, or adopted children.
* Children at any age who were disabled before age 22 and remain disabled.
* Dependent parents age 62 or older
Note: If you are divorced, you may still qualify for survivors benefits.
http://www.ssa.gov/ww&os2.htm
1. Medical Expenses
A study done at Harvard University indicates that this is the biggest cause of bankruptcy, representing 62% of all personal bankruptcies. One of the interesting caveats of this study shows that 78% of filers had some form of health insurance, thus bucking the myth that medical bills affect only the uninsured.
Rare or serious diseases or injuries can easily result in hundreds of thousands of dollars in medical bills - bills that can quickly wipe out savings and retirement accounts, college education funds and home equity. Once these have been exhausted, bankruptcy may be the only shelter left, regardless of whether the patient or his or her family was able to apply health coverage to a portion of the bill or not.
I KNOW FOR A FACT of several racers who were paralyzed who were essentially left by the wayside because they had reached either their lifetime or annual caps....insurance just cut them off, and then you get an eviction notice from the hospital, and of course no other insurer will touch you
Those days are over
I was listening to a lady who works in the insurance industry say that she gives it about 2-3 years. Evidently, this new bill mandates insurance companies to operate on a 85/15 instead of the current 65/45 (i know, it equals 110). She said she did expect premiums to go up 200%-300% come January. I'm sure it's just more dman right-wing fear mongering but if we get rid of the insurance co.s, then the govt. has to step up with more of our money. Then what?
Since the public option wasn't mandated, insurance companies will now have 30+ MILLION more enrollees. They HAVE to go to an insurance provider.
How could they be unhappy or go out of business?
Like auto insurance companies in most states, they got a shitload of new business courtesy of the government.
Single-payer National Health will be here sooner than the righties would expect in their worst nightmares.
Because NOW they have to insure everyone, and can't even put lifetime caps in place.
They didn't insure everyone, and had lifetime caps to reduce their losses, which did indeed make the company more profitable, but it also kept premiums low.
I'm worried my premiums are going to go up, even more than they would have if they didn't "reform" healthcare...and I won't be surprised to see that happen.
My issue, is that I've cut virtually all expenses I can cut from my life, and I can barely afford the insurance I have (at $700/month)....I budget for 25% increases annually, but from what I've heard this is going to force insuranc companies to increase premiums far more than that, or go out of business.
And that brings up another point, what if a person can't afford health insurance? Maybe they make more than $88K/year (so they don't qualify for the supplements), and say they have a bunch of kids, or are just plain dumb with their money and can't afford health insurance....do they drop it and pay the penalties? What do they do?
And I won't blame the insurance companies....I'll blame the government.
This will all be based on national averages and zip code averages.
So you say you can't afford it because of other living expenses? no problem, here is a work sheet, and it shows you CAN afford what we tell you.... have fun..
Just wait, want to buy a house, oh, you were penalized last year for no insurance, sorry, no home loan.... I know, reaching, but there is so much in this bill that is so unclear and open for multiple interpretation. But, Hell we got it, so make the best of it...
Post a reply to: List good and bad about healtcare here.