Molly wrote:
Dennis.. did you check your states exchanges and see what they offered yet? I am still waiting to see if you have because I am curious to see what you will find. And if you find something cheaper... most companies still allow you to use your flex spending it is just a p.i.a because you must provide receipts for all of it.
Floyd.. I have been screaming for years that a bill needs to be just a bill.. with none of the fluff. I feel this is the one major thing wrong with government at this point and that we would see some things fixed if they addressed this.
Here are a few ways the cost of health care are addressed. First, the exchanges. Companies competing for your business. There are so many in my state I found myself wading through many different offers. None of them were my exact plan I have (and I work for a huge state wide health care provider and work in a major hospital). My insurance isn't changing and I will stick with mine because it is comfortable and easy and its very competitive as they strive to make where I work a place where people want to work and stay. But there were plenty of offers. I helped my brother go through his stuff and he found many great offers that were lower than he expected. If you haven't bothered to check your states exchanges than I don't really think you can speak on how terrible it is for you. There is a huge range in price and in what each plan offers. Before you complain, go look and then let me know. The 80/20 rule means they cannot spend more than 20% of what you pay on their costs. Meaning 80% must go to your care and many people have received checks back from insurance companies. This was a great addition to the law, this is also why many states have seen a drop in premiums. Also, if more people are insured, the price of health care will go down. Right now you are charged for your own care and you also cover part of the bill for those who don't pay. I do understand how insurance works. And not all pre existing conditions require constant care. Here is an example for you. I have to have brain surgery because I was recently diagnosed with a chiari malformation. I was born with this but for many people it doesn't manifest until you hit middle age (yay for me right?). So we had our 17 year old checked and she will have to likely go through all of this as well... but since we had her tested it will now be considered pre existing. However, she is currently very healthy and will remain so for many years.. Lord willing. So you can assume all the fat lazy people milking the system are the ones getting money.. but I have been busting my butt since I was 15 and I now find myself in a position I never expected where I will need some of these benefits. This is all so easy in theory, way more personal when it starts affecting you. There are some financial benefits to this bill, and it does serve many deserving Americans. Possibly even you Dennis.. it won't hurt you to go look :)
Dennis.. did you check your states exchanges and s... (
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Before you get all, "gushy," about having coverage, maybe you ought to listen to someone that has to use it!
How Obamacare is Hurting My Family with Chronically Ill Kids
http://www.youtube.com/watch?v=sbHd5qTHktAHere's Herman Cain's take on Obama Care:
ObamaCare's redistribution of health and death
Published by: Herman Cain
The way ObamaCare works is disturbingly similar to the tax code. That is not good.
Most people and businesses clearly understand, now, how ObamaCare redistributes the cost of health insurance and the cost of health care. It does it with a plethora of rules, taxes and penalties.
But little attention has been given to how these same rules, penalties and taxes also redistribute health, sickness and death. Maybe it is because it's a sensitive subject, or maybe it might cause the PC police to declare a full attack on anyone who would use such provocative narrative. That's what happened, after all, when Sarah Palin was crucified by the mainstream media for correctly identifying "death panels" in ObamaCare.
Well, bring it on, PC police! The truth shall set some people free!
When the "death panel" (also known as the Independent Payment Advisory Board, or IPAB) decides whether you are allowed a procedure or not, they are deciding whether your chance of survival is worth the cost in their opinion. If they say no then you die sooner than maybe later.
When the cost of insuring the uninsurable is spread across everybody that buys insurance, rather than a dedicated subsidized pool, somebody's coverage is going to be denied or delayed because they are forced to buy less expensive insurance coverage if they cannot afford to pay more for their insurance. Just like minor car accident claims, people might ignore minor ailments to keep their rates from going up.
In my own personal case, a minor ailment wich I thought was acidity from coffee turned out to be stage four cancer. Because I was able to get diagnosed and treated on my timetable instead of the government's, and at the expense of my insurance coverage and my out of pocket expenses, my 30 percent chance of survival turned into now seven years of being cancer-free!
When someone is notified that their Medicare insurance will no longer cover certain medications, such as the cost of their insulin medication, that person is forced to choose between paying their bills or staying alive.
Many doctors have announced that they can no longer afford to take new Medicare patients because of cuts in Medicare payments to doctors. These patients can't just find another doctor who will take Medicare patients because chances are that they can't take anymore either. As a result, some people will not get medical assistance until their condition is an emergency from waiting too long, or until they are on their death bed.
Rural communities will be especially negatively impacted by a shortage of doctors who will see Medicare patients, because rural communities tend to have more Medicare-eligible patients. A majority of Medicare payments means most of a doctor's revenue is coming from Medicare payments made by Uncle Sam, which is not sufficient to sustain a financially viable medical practice.
As a result, doctors will relocate to more lucrative areas and people living in rural areas will have to travel farther to get medical care, or they will not be able to get treatment at all. Thus, illnesses will advance more quickly, thus reducing survival rates.
The U.S. tax code redistributes wealth and income, and one does not have to be rich to be subjected to our archaic, punitive and complex system. The more you make, the more they (the bureaucrats) take from you using the force of law. That's why we must change the law by replacing the tax code.
ObamaCare works in much the same way. It confiscates the entire cost structure and dynamics of our health care and health insurance system, as well as life and death decisions that should be made by individuals and their family members. ObamaCare also commandeers decisions that should be made by doctors, by denying payment for certain diagnostic procedures deemed unnecessary by, again, government bureaucrats.
Sticker shock causes people to wake up to the truth about the cost of ObamaCare, which is nothing like the promises made by its advocates. They can buy less insurance coverage with the same dollars, as most people will be forced to do, or pay more for the same coverage, or be forced to buy more coverage with more dollars to meet minimum requirements of ObamaCare.
But when people are denied or wait too long for a medical treatment due to rules, taxes and penalties, the medical condition can't be quickly reversed or cured after waiting on a bureaucrat to say yes or no.
If the government says yes, a person's chances of survival are already reduced. If they say no, well, you just might die sooner rather than later.