$this->bbcode_second_pass_quote('Sixstrings', '
')And worst of all, this bill looks like a required wealth transfer form every American to Big Insurance, while many of us won't be able to afford to actually use these plans we're forced to buy.
PeakOil is You
Health Care Bill Threads (merged)
Re: Fact sheet: 18 myths about the health care bill debunked
by Ludi » Fri 19 Mar 2010, 17:42:34
This is pretty much exactly what I predicted would happen with "healthcare reform."
- Ludi
Re: Fact sheet: 18 myths about the health care bill debunked
by timmac » Fri 19 Mar 2010, 18:38:08
What about deductible limits, is there a provision for this, I currently have a very high deductible to keep my rate very very low but also not to be stuck with a 100,000 medical bill, currently I pay the 1st 10,000 before insurance kicks in and my premium is verrry low, will this still qualify as health insurance, because I will go to jail instead of paying the rates that are out there, this is absolutely wrong to force me into high pay insurance.
I am not like the normal American, I stay healthy and never get sick beyond a cold and I don't take medicine, I will not be forced into this.
I am not like the normal American, I stay healthy and never get sick beyond a cold and I don't take medicine, I will not be forced into this.
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Re: Fact sheet: 18 myths about the health care bill debunked
by Ludi » Fri 19 Mar 2010, 20:46:07
$this->bbcode_second_pass_quote('timmac', ' ')I stay healthy and never get sick beyond a cold and I don't take medicine
Lucky you!
- Ludi
Re: Fact sheet: 18 myths about the health care bill debunked
by Sixstrings » Fri 19 Mar 2010, 20:50:37
$this->bbcode_second_pass_quote('timmac', 'W')hat about deductible limits, is there a provision for this, I currently have a very high deductible to keep my rate very very low but also not to be stuck with a 100,000 medical bill, currently I pay the 1st 10,000 before insurance kicks in and my premium is verrry low, will this still qualify as health insurance, because I will go to jail instead of paying the rates that are out there, this is absolutely wrong to force me into high pay insurance.
I am not like the normal American, I stay healthy and never get sick beyond a cold and I don't take medicine, I will not be forced into this.
I am not like the normal American, I stay healthy and never get sick beyond a cold and I don't take medicine, I will not be forced into this.
I think you're referring to lifetime caps? There is no deductible limit, deductibles have to be met every year before coverage kicks in. As for the lifetime cap, I read somewhere that this bill will eliminate the caps starting in 2017 (I think). So that is one tiny sliver of reform we're getting here for the trillion dollars, but who knows there's probably a loophole for that too.
Also keep in mind that if you already have insurance, this bill doesn't affect you other than being able to keep your kids on the policy until 26, and rates will just keep going up like they always have. The other sliver of reform is that starting in 2016, the insurance company can't drop you for being sick. The catch is that they can raise your rate by three times, or drop you for some other reason and just say it's not because you're sick.
And even if they do say they've dropped you cuz your sick, the fine is only like $100 a day, so if you're very sick it would be cheaper for them to pay the fine and drop you.
To sum up, for everyone who already has insurance there won't be any change except that the reforms that are needed haven't happened. That means rates will keep climbing, consuming an ever greater portion of your budget.
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Re: Fact sheet: 18 myths about the health care bill debunked
by timmac » Fri 19 Mar 2010, 23:19:33
I beleave this bill is just going to mess things up, sure I would like a better coverage with little to no deductible but paying the rates I was quoted 2 years ago for me and my wife will mean no more vacations, extra toys, ect, my insurance now is to keep me from going bankrupt if somthing big happens but anything under $10,000 per year is my cost, been lucky so far and my wife also nothing to much just little stuff but as we get older I don't know.
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Re: Fact sheet: 18 myths about the health care bill debunked
by PrestonSturges » Fri 19 Mar 2010, 23:34:57
This is a very very very conservative bill. Nixon would have loved it.
In testimony to Henry Waxman last month, basically the insurance companies said that the recession has hit them worse than any industry, with healthy people dropping their insurance and only the sickest people struggling to stay insured. There is no business model for the insurance companies to stay afloat.
The health care reform bill throws them a life line, but they are still going the way of the banks.
In testimony to Henry Waxman last month, basically the insurance companies said that the recession has hit them worse than any industry, with healthy people dropping their insurance and only the sickest people struggling to stay insured. There is no business model for the insurance companies to stay afloat.
The health care reform bill throws them a life line, but they are still going the way of the banks.
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Re: Fact sheet: 18 myths about the health care bill debunked
by mos6507 » Fri 19 Mar 2010, 23:45:11
As someone who was recently in the hospital, and who would have gotten dinged over $5K in medical bills (if not for retroactive COBRA that I thankfully took care of when I got my life more organized) I can say that the main driver in die-off may very well be lack of access to medical care and not starvation. It may not be as dramatic as zombie hordes, but it won't be fun either.
- mos6507
Re: Fact sheet: 18 myths about the health care bill debunked
by Outcast_Searcher » Sat 20 Mar 2010, 12:05:14
$this->bbcode_second_pass_quote('timmac', 'W')hat about deductible limits, is there a provision for this, I currently have a very high deductible to keep my rate very very low but also not to be stuck with a 100,000 medical bill, currently I pay the 1st 10,000 before insurance kicks in and my premium is verrry low, will this still qualify as health insurance, because I will go to jail instead of paying the rates that are out there, this is absolutely wrong to force me into high pay insurance.
I am not like the normal American, I stay healthy and never get sick beyond a cold and I don't take medicine, I will not be forced into this.
I am not like the normal American, I stay healthy and never get sick beyond a cold and I don't take medicine, I will not be forced into this.
I THINK what you're getting at, unlike Sixstring's response about coverage caps (another issue), is what deductibles can you choose.
In your case, you've chosen a high deductible plan to keep premiums down. Your good health/habits has made this a good deal for you. Good for you, that SHOULD be your right. I do this, with a $2500 limit, and I have friends who are very healthy who chose a $10K limit like you.
(I like avoiding the stress of having to wrestle with the stupid insurance company for payment unless the amount is significant, as well).
Of course, a big part of the problem is it is hard to tell WHAT is in there. From what I read and see on CSPAN, I see a lot of things about forcing insurance companies to cover things like preventative care. This IMPLIES to me that there will be forced standarization of private plans, to at least some extent to "protect" people -- so I THINK this means we will likely be restricted from purchasing high deductible plans.
Another financial aspect that supports this idea is that, just like forcing everyone to participate to force more money into health care -- by opting for a high deductible plan, people wouldn't be paying enough to support this scheme -- i.e. their "fair" share.
(Don't blame the messenger - I'm just reporting what I read/see from the most responsible sources I find).
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Obama has two (or three) wars going - what's the strategic goal?