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The new message: 'Improve' health care, don't talk cost

Re: New Dem message: 'Improve' health care, don't talk cost

i read it.....

To illustrate, suppose someone enrolls in a group health plan on January 1, 2006. This person had previously been insured from January 1, 2004 until February 1, 2005 and from August 1, 2005 until December 31, 2005. To determine how much coverage can be credited against the exclusion period in the new plan, start at the enrollment date and count backwards until you reach a significant break in coverage. So, the five months of coverage between August 1, 2005 and December 31, 2005 clearly counts against the exclusion period. But the period without insurance between February 1, 2005 and August 1, 2005 is greater than 63 days. Thus, this is a significant break in coverage, and any coverage prior to it cannot be deducted from the exclusion period. So, this person could deduct five months from his or her exclusion period, reducing the exclusion period to seven months. Hence, Title I requires that any preexisting condition begin to be covered on August 1, 2006.

You really didn't adress or contradict anything I said.

But... if the 6 year old's asthma were covered by the employees prior insurance policy (which is implied in the story) it's very likely they had the policy long enough to have the waiting period completely waived.
 
Re: New Dem message: 'Improve' health care, don't talk cost

You really didn't adress or contradict anything I said.

But... if the 6 year old's asthma were covered by the employees prior insurance policy (which is implied in the story) it's very likely they had the policy long enough to have the waiting period completely waived.

point being, it's not any issue anymore at all. no exclusion period. why is that a bad thing?
 
Re: New Dem message: 'Improve' health care, don't talk cost

i blame misinformation, as simple as that. "the sky is falling and taxes will be raised"........that's the never ending mantra we hear. dems are certainly not perfect, but they are damn sure more interested in people than republicans are.
There was no misinformation although maybe slight hyperbole. Taxes are going up, premiums are going up, "best practices" will end up hurting people and killing some(this is the "death panel"), IRS powers were increased and so was the Secretary of health and human services powers as well. States lost rights under this bill and things not related to health directly are being taxed. The opposition was exactly right.
 
Re: New Dem message: 'Improve' health care, don't talk cost

There was no misinformation although maybe slight hyperbole. Taxes are going up, premiums are going up, "best practices" will end up hurting people and killing some(this is the "death panel"), IRS powers were increased and so was the Secretary of health and human services powers as well. States lost rights under this bill and things not related to health directly are being taxed. The opposition was exactly right.

some taxes may go up. some, and probably NOT on the masses. and you do not know that people will be hurt and be killed as a result of this bill. THAT'S hyperbole, and it's why people have turned against this bill.
 
Re: New Dem message: 'Improve' health care, don't talk cost

point being, it's not any issue anymore at all. no exclusion period. why is that a bad thing?

Because to do so they had to require everyone to purchase insruance, and have also managed to increase the cost of coverage.
 
Re: New Dem message: 'Improve' health care, don't talk cost

Because to do so they had to require everyone to purchase insruance, and have also increased the cost of coverage.

yes, it's an awful, awful thing that insurance will be required. what will the ER's do, when people are treated for strep throat at the doctor's office? has your coverage cost increased, btw? mine hasn't.
 
Re: New Dem message: 'Improve' health care, don't talk cost

yes, it's an awful, awful thing that insurance will be required. what will the ER's do, when people are treated for strep throat at the doctor's office? has your coverage cost increased, btw? mine hasn't.

I don't know... What did MA do when all the uninsured had to stop being treated in their ERs? Oh, that's right. Recent studies have shown that the number of ER visits haven't dropped at all and people are still being treated in ER's for minor things like strep throat.
 
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Re: New Dem message: 'Improve' health care, don't talk cost

some taxes may go up. some, and probably NOT on the masses.
Yes, it is going to be on the masses. Group policies are already in talks to be eliminated because of the cost, the employers would rather pay the penalty. That would be a tax, premiums are going up so those people who now have to shop around have to pay premiums rather than the partial contributions in the group policy, while not a "tax" their liabilities are going up. If people cannot find acceptable coverage then they will be taxed. Anything that has an FDA number is subject to a tax(this includes dental hygiene products as well as anything over the counter and many toiletries) and cosmetic products along with personal hygiene products. So yes, everyone will be paying more in taxes......oh, and if you like to tan you will be assessed a new tax. So yes, EVERYONE's taxes just got increased. This is before the major provisions of the bill kick in. Everyone who voted for this should be legally declared an enemy of the state.
and you do not know that people will be hurt and be killed as a result of this bill.
Actually, yes I do. It happens everywhere socialized medicine takes effect, make no mistake that's the end goal of this bill. "Best practices" is a nice way of saying the right to deny coverage based on arbitrary factors such as age or medical history and this is regardless of the attending physician's opinion. Like Obama said and I'm paraphrasing "take a pill" instead of maybe getting that surgery that is medically necessary.
THAT'S hyperbole, and it's why people have turned against this bill.
People know this bill is ****, that's why they've rejected it, and hopefully the offending party as well come November.
 
Re: New Dem message: 'Improve' health care, don't talk cost

I don't know... What did MA do when all the uninsured had to stop being treated in their ERs? Oh, that's right. Recent studies have shown that the number of ER visits haven't dropped at all and people are still being treated in ER's for minor things like strep throat.

but NOT because of universal health, which we don't have in the u.s, but because there are fewer doctors to treat more patients. that's something that can be remedied.
 
Re: New Dem message: 'Improve' health care, don't talk cost

of course not. when that bill was passed, it was NOT against the will of the people. that's changed, because so much misinformation has been spread that people don't even know what the bill is about, except they believe it will entail death panels. THAT'S what republicans are good at, staying on a simple, repeated message, "dems bad, republicans good".

I find it disheartening that you believe that little of your fellow Americans...that you think they are constantly duped.
 
Re: New Dem message: 'Improve' health care, don't talk cost

yes, it's an awful, awful thing that insurance will be required. what will the ER's do, when people are treated for strep throat at the doctor's office? has your coverage cost increased, btw? mine hasn't.
It hasn't happened in year one so the bill is okay? Seriously just wait, I am in the insurance field and am seeing the writing on the wall, it's coming and it's going to hurt. Enjoy.
 
Re: New Dem message: 'Improve' health care, don't talk cost

It hasn't happened in year one so the bill is okay? Seriously just wait, I am in the insurance field and am seeing the writing on the wall, it's coming and it's going to hurt. Enjoy.

Shoot, our company plan increased by almost 26% this year. Our organization is seriously considering getting rid of the insurance plan once Obamacare kicks in because they simply won't be able to afford to keep carrying us. And that's coming from the Finance department...
 
Re: New Dem message: 'Improve' health care, don't talk cost

Shoot, our company plan increased by almost 26% this year. Our organization is seriously considering getting rid of the insurance plan once Obamacare kicks in because they simply won't be able to afford to keep carrying us. And that's coming from the Finance department...
I can tell you compliance departments with the h.i. companies I deal with are in full meltdown right now trying to figure out how to work within the bounds of this bill, those extra costs alone are going to jack premiums way up, along with the mandatory coverage minimums being increased to what used to be a "prime" percentage and the other financial lunacy contained within. People are about to find out how bad the congress and president screwed them.
 
Re: New Dem message: 'Improve' health care, don't talk cost

but NOT because of universal health, which we don't have in the u.s, but because there are fewer doctors to treat more patients. that's something that can be remedied.

Massachussettes has had their version of Obamacare for 4 and half years or so... How long do we have to wait for all these mythical doctors to appear? What do you think teh remedy is? Lowering standards? Increasing doctor salries? *Shrug*
 
Re: New Dem message: 'Improve' health care, don't talk cost

It hasn't happened in year one so the bill is okay? Seriously just wait, I am in the insurance field and am seeing the writing on the wall, it's coming and it's going to hurt. Enjoy.

premiums go up all the time....how will you be able to attribute the rise to the bill? and no, the bill still needs tweaks.
 
Re: New Dem message: 'Improve' health care, don't talk cost

Shoot, our company plan increased by almost 26% this year. Our organization is seriously considering getting rid of the insurance plan once Obamacare kicks in because they simply won't be able to afford to keep carrying us. And that's coming from the Finance department...

We've already been ifnromed to prepare for higher premiums and higher copayments.
 
Re: New Dem message: 'Improve' health care, don't talk cost

We've already been ifnromed to prepare for higher premiums and higher copayments.

yeah........just like last year, and the year before, and the year before. at least at my company. and we're self insured, as are a lot of large companies.
 
Re: New Dem message: 'Improve' health care, don't talk cost

premiums go up all the time....how will you be able to attribute the rise to the bill? and no, the bill still needs tweaks.
Premiums go up to adjust for expenses "all the time", which isn't even a quantifiable value. Typically they slightly increase every one to two years and not by any significant margins, maybe 10-15$ as an average and those are usually inflation or state compliance issues. Under Obamacare these compliance costs are ridiculous and you are about to see much larger increases over a shorter time period. Like Jallman said, 26% increase in their premiums since Obamacare, it will be coming to other plans as well. You can use arbitrary numbers like "all the time" if you like but the reality is that is irrelevant to the massive increases coming from this particular bill.

Secondly, it's easy to attribute to the bill. Just look at financial numbers when you see your premiums increase and compare them to the previous increases. Third, this bill needs to be repealed, reworked, and those who passed it imprisoned. The good bad ratio in this bill is around 1:8, keep in mind this is a +2K page monstrosity so the multiplying factors mean this thing is horrid.
 
Re: New Dem message: 'Improve' health care, don't talk cost

yeah........just like last year, and the year before, and the year before. at least at my company. and we're self insured, as are a lot of large companies.
Not anymore.
 
Re: New Dem message: 'Improve' health care, don't talk cost

Premiums go up to adjust for expenses "all the time", which isn't even a quantifiable value. Typically they slightly increase every one to two years and not by any significant margins, maybe 10-15$ as an average and those are usually inflation or state compliance issues. Under Obamacare these compliance costs are ridiculous and you are about to see much larger increases over a shorter time period. Like Jallman said, 26% increase in their premiums since Obamacare, it will be coming to other plans as well. You can use arbitrary numbers like "all the time" if you like but the reality is that is irrelevant to the massive increases coming from this particular bill.

Secondly, it's easy to attribute to the bill. Just look at financial numbers when you see your premiums increase and compare them to the previous increases. Third, this bill needs to be repealed, reworked, and those who passed it imprisoned. The good bad ratio in this bill is around 1:8, keep in mind this is a +2K page monstrosity so the multiplying factors mean this thing is horrid.

ok, it's friday. and we'll see, but as far as a 26% increase next year? how could that possibly be attributed to the new bill? and since you're in the business, you know that when the market is down, insurance companies raise rates. it's not the premiums, it's the investments that garner the profit. that's why malpractice limits don't tend to lower the cost of insurance. what we will probably see is record ins company profits, becasue you know the industry isn't going to let this opportunity pass them by.
 
Re: New Dem message: 'Improve' health care, don't talk cost

of course not. when that bill was passed, it was NOT against the will of the people. that's changed, because so much misinformation has been spread that people don't even know what the bill is about, except they believe it will entail death panels. THAT'S what republicans are good at, staying on a simple, repeated message, "dems bad, republicans good".

That bill was so good the dems had to bribe their own people to vote for it..... and you think that was all propaganda by the Republicans? :lamo
 
Re: New Dem message: 'Improve' health care, don't talk cost

That bill was so good the dems had to bribe their own people to vote for it..... and you think that was all propaganda by the Republicans? :lamo

nice spin.
 
Re: New Dem message: 'Improve' health care, don't talk cost

Premiums go up to adjust for expenses "all the time", which isn't even a quantifiable value. Typically they slightly increase every one to two years and not by any significant margins, maybe 10-15$ as an average and those are usually inflation or state compliance issues. Under Obamacare these compliance costs are ridiculous and you are about to see much larger increases over a shorter time period. Like Jallman said, 26% increase in their premiums since Obamacare, it will be coming to other plans as well. You can use arbitrary numbers like "all the time" if you like but the reality is that is irrelevant to the massive increases coming from this particular bill.

Secondly, it's easy to attribute to the bill. Just look at financial numbers when you see your premiums increase and compare them to the previous increases. Third, this bill needs to be repealed, reworked, and those who passed it imprisoned. The good bad ratio in this bill is around 1:8, keep in mind this is a +2K page monstrosity so the multiplying factors mean this thing is horrid.


btw, premiums increased by 119% from 1999 to 2008. that's NOT a small amount.


have a great weekend.

http://www.kff.org/insurance/upload/7692_02.pdf
 
Re: New Dem message: 'Improve' health care, don't talk cost

premiums go up all the time....how will you be able to attribute the rise to the bill? and no, the bill still needs tweaks.

Got that right....

1st tweak, defund it.

2nd tweak, repeal it.
 
Re: New Dem message: 'Improve' health care, don't talk cost

nice spin.

Spin? Do you deny that the HC bill didn't have the votes to pass until some Dems were bribed?..... really?

Do I have to give you some links to refresh your memory?..... really?

Or are you saying that the bill was so good that they had to bribe some people to get their vote?
 
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