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Thread: Health Care Bill has passed

  1. #341
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    Re: Health Care Bill has passed

    Quote Originally Posted by LaMidRighter View Post
    I thanked you because I agree with the overall premise. Now, insurance isn't a rip-off, it pays for what it is supposed to pay when you are with a good provider. Where the problems come in are those of abuse, people have a false assumption that policies are there to save people money on healthcare, they are not.....it is a catastrophic loss prevention measure. While people complain that they pay premiums and not need the insurance I argue that's a good thing, it means you don't have major health problems. The big problems with health affordability come from alot of factors that created an artificial market, it goes past providers and insurers although we aren't completely blameless, the main culprit are the idiots and party that have passed legislation overall throughout the last century that have created a problematic and over legislated health market.
    What is your view on HSA based policies that have the $5,000/person out of pocket measure yet kicks in 100% when your costs exceed the out of pocket stipulation? My current plan is quite similar and my premium is like 75% cheaper than if i were to have your standard 90/10. No prescription coverage though.
    It is not very unreasonable that the rich should contribute to the public expense, not only in proportion to their revenue, but something more than in that proportion.
    "Wealth of Nations," Book V, Chapter II, Part II, Article I, pg.911

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    Re: Health Care Bill has passed

    Quote Originally Posted by bicycleman View Post
    Medical care is so expensive because of all the malpractice suits. They need to limit or eliminate those suits, and watch medical costs go down. Fat chance of that happening because lawyers would fight that one into the ground.
    I think technology adds a lot to the price. I just had a implantable cardioverter defibrillator installed in my chest that cost pretty near a 100k.

  3. #343
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    Re: Health Care Bill has passed

    [quote]
    Quote Originally Posted by Goldenboy219 View Post
    You are talking like it is a great thing. On the contrary, the greater number of people covered lowers the overall health care costs for everyone.
    Not true, it's a risk pool, the reason group insurance is so expensive is because the least healthy in the pool skew the risk model towards the sub-standard end of the spectrum. Even if you have a full contributory policy, it is costing someone alot of money.
    This is very basic idea of risk management.
    Correct, but you don't add risk to save money. Forcing people into health rolls artificially with no gap-loss possibility will shock the system, I am not a fan of pre-existing conditions.......but, if time was to be allotted for absorbtion of risk slowly it would be a better solution.
    The deviation for individual health care costs (not including the elderly) in the US when we consider "accidents" is quite high which allows for much greater consumer benefit.
    Also correct, which is also a problem with overconsumption of the group model, healthier people should go individual, however group has recieved preference through the years and it has skewed data to unrecognizable figures.
    Equivocally saying it is "acceptable" not to carry any type of insurance regardless of how it effects others seems a little extreme to me.
    Eh, if someone can pay cash for care or can work out payment plans more power to them. I still say they should have a major med. policy or figure out a plan to absorb the risk. But I am a fan of choice.



    That is an empty statement. What about the costs that private insurance does not cover?
    Need solid examples, every plan is different.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by Ikari View Post
    It's a god damned scam and I wish I'd thought of it first. Horrifically overpriced, it uses such things as pre-existing conditions to rule out paying out, they will do their damnedest to not pay out, there isn't enough oversight, they are part of the problem with the inflated costs of health care, they use choices such as smoking to increase premiums, etc. Health insurance as it is run in this country is a scam. The best scam ever right after Scientology.
    Then you are quite lucky you have never had to file a serious claim on property, health, or personal liability. However, risk management remains a vital part of any developed nation. So. Opinions are like.......
    It is not very unreasonable that the rich should contribute to the public expense, not only in proportion to their revenue, but something more than in that proportion.
    "Wealth of Nations," Book V, Chapter II, Part II, Article I, pg.911

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    Re: Health Care Bill has passed

    The more of this I read, the more sickened by it I am. How in the hell did they think this was going to "help"?

    Here's some good ones just in the first 50 pages:

    • If your current health plan expires and you cannot find a comparable one after this bill takes effect, you must take the government option
    • The government will now waste money and resources auditing all employers who self-insure
    • Government committee will determine treatments and benefits. There is no appeal process if you are turned down for a treatment, unlike with insurance companies
    • The federal government is granted direct, real time access to all bank accounts for electronic funds transfers. That's individual bank accounts, YOUR bank account


    This isn't at all ok. Not at all.

  6. #346
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    Re: Health Care Bill has passed

    Quote Originally Posted by Goldenboy219 View Post
    You are talking like it is a great thing.
    Freedom of choice regarding how I spend my own money that *I* make IS a good thing. Freedom for me to decide for myself what is best for ME and my health care IS a good thing. Freedom for me to choose whether or not I wish to buy a private sector product IS a good thing. Freedom for me to take that same money that would otherwise go into a black hole and instead invest it wisely and see a return on that investment IS a good thing.

    On the contrary, the greater number of people covered lowers the overall health care costs for everyone. This is very basic idea of risk management. The deviation for individual health care costs (not including the elderly) in the US when we consider "accidents" is quite high which allows for much greater consumer benefit.
    Health Insurance is part of the reason FOR the high costs. How the **** can adding more health insurance ever hope to decrease costs?

    Equivocally saying it is "acceptable" not to carry any type of insurance regardless of how it effects others seems a little extreme to me.
    Of course it's acceptable to choose not to purchase a private sector product. It's perfectly acceptable to not be fined just for being alive.


    That is an empty statement. What about the costs that private insurance does not cover?
    The patient pays them. See, this is how it *should* be. No govt involvement. No insurance. Just the doctor, and the patient. Period. Costs would drop dramatically.


    The externalities associated with such practices have been shown to raise the cost of health care, and contribute to the majority of bankruptcies in the United States.
    Insurance, govt, and malpractice are what have raised the costs of healthcare.
    Last edited by rivrrat; 03-22-10 at 01:23 PM.

  7. #347
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    Re: Health Care Bill has passed

    Quote Originally Posted by bicycleman View Post
    Logically, her workplace should keep supplying her with health insurance, and she would keep paying her part to keep it. Then again, that's logic, and the Obama administration and his minions don't seem to embrace that concept.
    But she opts out of her plan entirely because I have her and our kids on my plan.

    So does she get to opt out, or does she get fined for not participating. Do I have to take her off of my plan? Must we have different plans altogether?

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    Re: Health Care Bill has passed

    Quote Originally Posted by jallman View Post
    The more of this I read, the more sickened by it I am. How in the hell did they think this was going to "help"?

    Here's some good ones just in the first 50 pages:

    • If your current health plan expires and you cannot find a comparable one after this bill takes effect, you must take the government option
    • The government will now waste money and resources auditing all employers who self-insure
    • Government committee will determine treatments and benefits. There is no appeal process if you are turned down for a treatment, unlike with insurance companies
    • The federal government is granted direct, real time access to all bank accounts for electronic funds transfers. That's individual bank accounts, YOUR bank account


    This isn't at all ok. Not at all.
    Holy crap.

  9. #349
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    Re: Health Care Bill has passed

    Quote Originally Posted by Goldenboy219 View Post
    What is your view on HSA based policies that have the $5,000/person out of pocket measure yet kicks in 100% when your costs exceed the out of pocket stipulation? My current plan is quite similar and my premium is like 75% cheaper than if i were to have your standard 90/10. No prescription coverage though.
    HSAs are great as long as you don't have immediate risk. With time to accumulate you can cover OOP easily and still get the 100% coverage, honestly the premiums pretty much pay for themselves. As for the 90/10, I would usually go 80/20 when I was more active in the health market, while it has a higher ded.+OOP, the premiums were more tolerable, usually I would sell that as a Preferred Provider Organization, but it is nowhere near the quality of an HSA when you are in good health, as well, HSAs are still relatively new, admittedly I have ralatively limited experience in them, but so far so good IMO. As well, prescription coverage could be paid for with your cash value if I'm correct, but you may want to talk to your agent about that one.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by BmanMcfly View Post
    So, the house did not have a vote on this specific bill then?

    Now, you'll have to correct me if I'm wrong here... but if this is the case, isn't this an invalid law because it didn't go through the proper constitutional process?

    If that happens to be the case. what would the implications be of such a precedent?

    Also, if what I've heard is correct, how is this being framed as being a proper process of making new laws??

    If I'm wrong then disregard... but at least explaonm... thanks.
    Actually, the vote on the first resolution WAS the vote on this specific bill. This goes to Obama's desk now. The vote on the third resolution was for the changes in the first bill. This one goes on to the Senate to be voted on. If the Senate passes the third resolution, then that goes to Obama's desk, and the changes in the first resolution become law.

    This is perfectly Constitutional.

    Note: I believe you were referring to "deem and pass", which was dropped.
    The ghost of Jack Kevorkian for President's Physician: 2016

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