I don't agree at all
"We agreed on the need to free Americans from Obamacare's mandate so Americans are no longer forced to buy insurance they don't need or can't afford," McConnell said on the Senate floor Thursday.
So Americans go without health insurance and show up at the hospital when they get sick with no way to pay for it.
NO ONE plans on getting sick. No one plans on or goes out and buys leukemia! But they WILL show up at the Hospital and want treatment.
Therefore either sign a waiver to go without insurance and if you can't afford treatment we let you bleed to death outside the ER, OR everyone has to have some kind of insurance.
If you are a billionaire I suppose we can allow you a waiver and you can be self insured. How many others can do that?
That may be single payer or private but everyone should have to fund their own healthcare not rely on buying insurance after you get sick or showing up for the public to pick up the cost.
Add a premium surcharge for being fat and/or smoking or drinking but YES everyone should have to pay for their healthcare.
So Americans go without health insurance and show up at the hospital when they get sick with no way to pay for it.
NO ONE plans on getting sick. No one plans on or goes out and buys leukemia! But they WILL show up at the Hospital and want treatment.
Therefore either sign a waiver to go without insurance and if you can't afford treatment we let you bleed to death outside the ER, OR everyone has to have some kind of insurance.
If you are a billionaire I suppose we can allow you a waiver and you can be self insured. How many others can do that?
That may be single payer or private but everyone should have to fund their own healthcare not rely on buying insurance after you get sick or showing up for the public to pick up the cost.
Add a premium surcharge for being fat and/or smoking or drinking but YES everyone should have to pay for their healthcare.
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Wonderful plan, mogley.
So when everyone has to buy insurance, they'll go to the hospital every time they need a bandaid or an aspirin. Because they want to get their money's worth.
And because they'll get paid by the insurance broker, the hospital can charge $100 or $1,000 for each bandaid and aspirin.
And to cover that, the broker will eventually have to up everybody's premiums to a million dollars a year.
So now, nobody can afford either the insurance or the medical care.
Yup, GREAT plan there, bud.0 -
Slow down Ace I only disagree that you can't go without and expect others to pay for it. Surely you don't want that?
Easy fix for your scenario, high deductibles, that way you will NOT go to the hospital for a bandaide or Aspirin.
You must have a great idea, so how would you fix all the people who go without and show up at the ER unable to pay?
quote:Originally posted by Rocky Raab
Wonderful plan, mogley.
So when everyone has to buy insurance, they'll go to the hospital every time they need a bandaid or an aspirin. Because they want to get their money's worth.
And because they'll get paid by the insurance broker, the hospital can charge $100 or $1,000 for each bandaid and aspirin.
And to cover that, the broker will eventually have to up everybody's premiums to a million dollars a year.
So now, nobody can afford either the insurance or the medical care.
Yup, GREAT plan there, bud.0 -
only people i have seen support obomocare yet to date are those that do not have it, they have no clue how crappy it is, but it makes them feel good that other people have an insurance card {even though they cant really use it}
edit: i have it, and still cannot show up at an emergency room to use it without paying for most of the visit out of pocket0 -
When the Government has the right to make you buy anything the potential for corruption is unlimited and inevitable. If you need insurance and don't buy it how in the hell is it the Republicans fault.
If you need insurance go buy it. I pay for mine why should I pay for yours?? The reason the Rates are so high is because the government is in the middle. You pay for Government administration and insurance administration both. Anytime the Government subsidizes anything the price goes up. If you had a car for sale and the government was willing to pay for 1/2 of it you would raise the price because the consumer wouldn't care. That's how it works. Guess who pays the governments part.YOU. THINK.0 -
It will be interesting to see how this plays out. 0 -
Mandatory insurance is un American. We don't need health insurance, we need competitive health care. Competition dives pricing to a natural level. Insurance companies drive the cost of health care and that is backwards. People get sick and die no matter which system we finally choose. The path we are on guarantees the enrichment of the insurers, who don't actually accomplish any health care. 0 -
quote:Originally posted by 1911a1-fan
only people i have seen support obomocare yet to date are those that do not have it, they have no clue how crappy it is, but it makes them feel good that other people have an insurance card {even though they cant really use it}
edit: i have it, and still cannot show up at an emergency room to use it without paying for most of the visit out of pocket
That would really suck. What about typical non-emergency room visits and care, Dan?0 -
I'm sure I have this wrong, so be kind but...
No matter who you would be, any familial status. You have a lower or moderate income, you register for a plan and the premium is higher than you can afford. So there is a subsidy from the taxpayers to help you pay.
The plan is blown, the insurance companies are bailing out, the remaining ones are jacking up premiums and deductibles. So the plan you can't afford now has a humongous deductible, which you can't afford.
So do you really have insurance? Or just a feel good piece of paper? So you do without and you get gigged with tax penalty.
Seems we should be smarter than this. And politicians want to cling to this plan.
KC0 -
quote:Originally posted by kimi
quote:Originally posted by 1911a1-fan
only people i have seen support obomocare yet to date are those that do not have it, they have no clue how crappy it is, but it makes them feel good that other people have an insurance card {even though they cant really use it}
edit: i have it, and still cannot show up at an emergency room to use it without paying for most of the visit out of pocket
That would really suck. What about typical non-emergency room visits and care, Dan?
to see a doctor i have to go to a third world clinic and wait 3 hours on average with a 75 dollar co pay, my normal doctor was 120 out of pocket, a colonoscopy and ct scan are each 600.00 out of pocket, blood test are all out of pocket till i meet the 2500.00 deductible
all this on top of 1200.00 a month now, when i could just take my tax returns to the clinic and get this PAY EVEN LESS without the monthly premium
one my prescriptions cheaper than the co pay, one is 7.00 more
edit: my out of pocket max is 16,900 including premiums and that is just routine visits and test
WE HAD GREAT INSURANCE TILL OBOMO CANNED IT 480.00 a month, covered everything0 -
quote:Originally posted by skicat
Mandatory insurance is un American. We don't need health insurance, we need competitive health care. Competition dives pricing to a natural level. Insurance companies drive the cost of health care and that is backwards. People get sick and die no matter which system we finally choose. The path we are on guarantees the enrichment of the insurers, who don't actually accomplish any health care.
Bingo.
Well said Skicat.
I agree, 100%.
Why should I bust my Ass at work, to earn my living, and then get taxed to pay for your Lazy Ass to sit at home??
Epic Fail.0 -
quote:Originally posted by 1911a1-fan
quote:Originally posted by kimi
quote:Originally posted by 1911a1-fan
only people i have seen support obomocare yet to date are those that do not have it, they have no clue how crappy it is, but it makes them feel good that other people have an insurance card {even though they cant really use it}
edit: i have it, and still cannot show up at an emergency room to use it without paying for most of the visit out of pocket
That would really suck. What about typical non-emergency room visits and care, Dan?
to see a doctor i have to go to a third world clinic and wait 3 hours on average with a 75 dollar co pay, my normal doctor was 120 out of pocket, a colonoscopy and ct scan are each 600.00 out of pocket, blood test are all out of pocket till i meet the 2500.00 deductible
all this on top of 1200.00 a month now, when i could just take my tax returns to the clinic and get this PAY EVEN LESS without the monthly premium
one my prescriptions cheaper than the co pay, one is 7.00 more
edit: my out of pocket max is 16,900 including premiums and that is just routine visits and test
WE HAD GREAT INSURANCE TILL OBOMO CANNED IT 480.00 a month, covered everything
Horror story, Dan. I think the $480.00 per month was similar to what I paid before I retired.
What do you think might be the best outcome we can reasonably hope for on this issue in the short term?0 -
If we are going to make health insurance mandatory, make it like auto insurance (which already is mandatory.)
Insurance companies can compete for your business by offering good benefits at a discount.
The insurance does NOT cover every need like wiper blades and oil changes. It is for catastrophic damage.
Repair companies compete for your business by offering better service at discount prices.
Follow those three examples and the "health care insurance problem" takes care of itself. In short, get the goobermint the hell out of the picture and let competitive business thrive.0 -
quote:Originally posted by kimi
What do you think might be the best outcome we can reasonably hope for on this issue in the short term?
well they broke a system that wasnt broke to begin with
get rid of mandatory job requirements , many lost work with the 32 hour requirement, and this is still unaddressed as well as the outright lie of keeping your doctor
forcing people to buy insurance is asinine as forcing everyone to buy a boat
handing out a medical card would be cheaper than the subsidies tax payers fork out for now0 -
When my wife decided to retire at age 50, we got a catastrophic policy from Blue Cross with a $5000 deductible without any frills for $210 per month. Figured we could pay any dr visits and meds out of pocket.
Enter Obama care. Got a letter from Blue Cross that our policy did not meet the new government coverage requirements and we had to be covered for drug treatment and maternity, even though we are not drug users and pregnancy would be medically impossible. It really felt good to pay $420 per month, $210 of which was for something we'd never use.
Obama care with it's one size fits all really sucked for the year before my wife decided to return to her old job and we got off it.0 -
While at Jury duty had time to talk to folks while we waited. It would surprise you how many from this area hate Obama Care and how much their insurance is now with its high deductibles. 0 -
The simplest fix would be for doctors and hospitals to publish their menu of prices.
That's what an informed citizen needs, not mandatory wealthcare.
(d)s love the idea of taxing taxpayers for not complying with their idiocy, and not calling it a tax.
Scenario for those of you with jobs:
You reach for a pencil and your chest feels like somebody stuck a porcupine inside it. You suddenly have a LOT of trouble getting air in & out of your lungs. Your legs just feel tired. Your arms get really heavy, and you think," What the ????#960; is going on?!"
Will your insurance cover the ER charge for $500?
Can it cover any of the costs associated with a Cardiac Catheterization Lab & The horde of techs, nurses, surgeons, all the dyes & exploratory testing & interpretations?
Does it cover hospitalization for 3-8 weeks for a simple, affordable deductible?
I thought mine would, but I was stuck with a bill for $173,000 left over. I had $25,000 in the bank and couldn't work until I got cleared, and that could be months, potentially.
Circumstances dictated that I request assistance from Medicaid, which covered the remainder of the medical costs. Medicaid insisted on signing me up for SSDI, since I hadn't been cleared to go back to work.
That $25K had to last 2 years 11 months, until the Disability would have a final action to decide if I deserved it, or something.
Long story short, it's only because I worked for 52 years, paying for the taxpayer funding of the social security/Medicare Ponzi scheme that it worked as it should in my case.
There really are disabled folks that aren't getting rich off the program, and the chances are good that one of you might become one of "them".0 -
Why can't we go back like it was...if you have insurance you get admitted?...if you don't have insurance, you go with out.. 0 -
quote:Originally posted by Rocky Raab
If we are going to make health insurance mandatory, make it like auto insurance (which already is mandatory.)
Insurance companies can compete for your business by offering good benefits at a discount.
The insurance does NOT cover every need like wiper blades and oil changes. It is for catastrophic damage.
Repair companies compete for your business by offering better service at discount prices.
Follow those three examples and the "health care insurance problem" takes care of itself. In short, get the goobermint the hell out of the picture and let competitive business thrive.
You have covered it well, Rocky. Under ObamaCare, my 23 yo single son is required to have a policy that covers lactation therapy and geriatric care.
Why? Because having young people paying for coverage they do not need and cannot use means extra funds available to subsidize coverage for desired interest groups. Such as the reliable elder voters and the useless dependent class.
Before ObamaCare, my son could have purchased a catastrophic coverage policy and relied on his youth and good health to take care of everything else.0 -
Politicians are exempt. Their retirement is guaranteed as is their healthcare. So why on Earth do they need to fix it? 0 -
quote:Originally posted by skicat
Mandatory insurance is un American. We don't need health insurance, we need competitive health care. Competition dives pricing to a natural level. Insurance companies drive the cost of health care and that is backwards. People get sick and die no matter which system we finally choose. The path we are on guarantees the enrichment of the insurers, who don't actually accomplish any health care.
I agree 100% with you in a perfect world, but we both know insurance based health care is not going away.
The costs for both insurance and the actual care are OUT OF CONTROL. I pay almost 9K a year for my plan,....which is excellent BTW. $500.00 deductible, $2,500.00 max out of pocket, which includes prescriptions.
Here's where the issue is. I can easily afford this due to the amount of money I make. On the other hand, I personally know some good folks that work hard, but don't make a lot of money. What I pay for insurance would take 1/3 or more of their net pay for the year.
I know one guy that is having obvious hypertension/heart issues, but he can't afford to see a doctor or the almost certain prescriptions, so he ignores it. He falls in that gap where he can't go to the county health clinic, and can't get prescription assistance from the drug manufacturers.
There is a small slice of the population that are good people that fall in between the assistance deadbeats, and those that are doing well. Those are the ones I feel sorry for.0 -
quote:Originally posted by gunnut505
The simplest fix would be for doctors and hospitals to publish their menu of prices.
That's what an informed citizen needs, not mandatory wealthcare.
(d)s love the idea of taxing taxpayers for not complying with their idiocy, and not calling it a tax.
Scenario for those of you with jobs:
You reach for a pencil and your chest feels like somebody stuck a porcupine inside it. You suddenly have a LOT of trouble getting air in & out of your lungs. Your legs just feel tired. Your arms get really heavy, and you think," What the ????#960; is going on?!"
Will your insurance cover the ER charge for $500?
Can it cover any of the costs associated with a Cardiac Catheterization Lab & The horde of techs, nurses, surgeons, all the dyes & exploratory testing & interpretations?
Does it cover hospitalization for 3-8 weeks for a simple, affordable deductible?
I thought mine would, but I was stuck with a bill for $173,000 left over. I had $25,000 in the bank and couldn't work until I got cleared, and that could be months, potentially.
Circumstances dictated that I request assistance from Medicaid, which covered the remainder of the medical costs. Medicaid insisted on signing me up for SSDI, since I hadn't been cleared to go back to work.
That $25K had to last 2 years 11 months, until the Disability would have a final action to decide if I deserved it, or something.
Long story short, it's only because I worked for 52 years, paying for the taxpayer funding of the social security/Medicare Ponzi scheme that it worked as it should in my case.
There really are disabled folks that aren't getting rich off the program, and the chances are good that one of you might become one of "them".
Something that is not often stated.0 -
quote:Originally posted by Marc1301
quote:Originally posted by skicat
Mandatory insurance is un American. We don't need health insurance, we need competitive health care. Competition dives pricing to a natural level. Insurance companies drive the cost of health care and that is backwards. People get sick and die no matter which system we finally choose. The path we are on guarantees the enrichment of the insurers, who don't actually accomplish any health care.
I agree 100% with you in a perfect world, but we both know insurance based health care is not going away.
The costs for both insurance and the actual care are OUT OF CONTROL. I pay almost 9K a year for my plan,....which is excellent BTW. $500.00 deductible, $2,500.00 max out of pocket, which includes prescriptions.
Here's where the issue is. I can easily afford this due to the amount of money I make. On the other hand, I personally know some good folks that work hard, but don't make a lot of money. What I pay for insurance would take 1/3 or more of their net pay for the year.
I know one guy that is having obvious hypertension/heart issues, but he can't afford to see a doctor or the almost certain prescriptions, so he ignores it. He falls in that gap where he can't go to the county health clinic, and can't get prescription assistance from the drug manufacturers.
There is a small slice of the population that are good people that fall in between the assistance deadbeats, and those that are doing well. Those are the ones I feel sorry for.
Thank you, Mark.0 -
quote:Originally posted by kimi
It will be interesting to see how this plays out.
It will play out as intended by Obama....it will drag out until Obamacare collapses, the republicans will likely take the blame for it, get killed at an election down the road giving the majority back to the Dems who will usher in single payer, Government healthcare.
As long as pre-existing conditions are guaranteed to be covered, with out higher premiums, as long as there is no tort reform, and no mandate no realistic, successful solution will be found.0 -
oh my...then how will the millions of illegals get medical care for FREE 0 -
quote:Originally posted by shilowar
quote:Originally posted by kimi
It will be interesting to see how this plays out.
It will play out as intended by Obama....it will drag out until Obamacare collapses, the republicans will likely take the blame for it, get killed at an election down the road giving the majority back to the Dems who will usher in single payer, Government healthcare.
As long as pre-existing conditions are guaranteed to be covered, with out higher premiums, as long as there is no tort reform, and no mandate no realistic, successful solution will be found.
That certainly comes to mind.0 -
quote:Originally posted by shilowar
quote:Originally posted by kimi
It will be interesting to see how this plays out.
It will play out as intended by Obama....it will drag out until Obamacare collapses, the republicans will likely take the blame for it, get killed at an election down the road giving the majority back to the Dems who will usher in single payer, Government healthcare.
As long as pre-existing conditions are guaranteed to be covered, with out higher premiums, as long as there is no tort reform, and no mandate no realistic, successful solution will be found.
I agree with higher premiums for people getting coverage for the first time, or after a period of being uninsured.
On the other hand I don't agree that it should be broadly applied to people like myself that have maintained continuous health care coverage since my early twenties. Of course I have pre-existing conditions at the age of 55, but they were not pre-existing to having insurance coverage.
Trust me, over all the years I have had insurance versus what they have had to pay out on me, the insurance companies have made nice hefty profits. I have paid in considerably more than they have paid out on my behalf.0 -
quote:Originally posted by Marc1301
quote:Originally posted by shilowar
quote:Originally posted by kimi
It will be interesting to see how this plays out.
It will play out as intended by Obama....it will drag out until Obamacare collapses, the republicans will likely take the blame for it, get killed at an election down the road giving the majority back to the Dems who will usher in single payer, Government healthcare.
As long as pre-existing conditions are guaranteed to be covered, with out higher premiums, as long as there is no tort reform, and no mandate no realistic, successful solution will be found.
I agree with higher premiums for people getting coverage for the first time, or after a period of being uninsured.
On the other hand I don't agree that it should be broadly applied to people like myself that have maintained continuous health care coverage since my early twenties. Of course I have pre-existing conditions at the age of 55, but they were not pre-existing to having insurance coverage.
Trust me, over all the years I have had insurance versus what they have had to pay out on me, the insurance companies have made nice hefty profits. I have paid in considerably more than they have paid out on my behalf.
'Pre-existing conditions' are a creation of tax law that ties insurance to employment. Changing tax law to allow people to purchase their own insurance as individuals, rather than through a plan provided by their employer would mostly eliminate the pre-existing condition problem.
As with so many things, the involvement of the government has caused the healthcare/insurance market to become FUBAR.0 -
We don't need insurance. We need healthcare. There is a difference. Too many people in the middle have horned their way in. 0 -
quote:Originally posted by Dads3040
quote:Originally posted by Marc1301
quote:Originally posted by shilowar
quote:Originally posted by kimi
It will be interesting to see how this plays out.
It will play out as intended by Obama....it will drag out until Obamacare collapses, the republicans will likely take the blame for it, get killed at an election down the road giving the majority back to the Dems who will usher in single payer, Government healthcare.
As long as pre-existing conditions are guaranteed to be covered, with out higher premiums, as long as there is no tort reform, and no mandate no realistic, successful solution will be found.
I agree with higher premiums for people getting coverage for the first time, or after a period of being uninsured.
On the other hand I don't agree that it should be broadly applied to people like myself that have maintained continuous health care coverage since my early twenties. Of course I have pre-existing conditions at the age of 55, but they were not pre-existing to having insurance coverage.
Trust me, over all the years I have had insurance versus what they have had to pay out on me, the insurance companies have made nice hefty profits. I have paid in considerably more than they have paid out on my behalf.
'Pre-existing conditions' are a creation of tax law that ties insurance to employment. Changing tax law to allow people to purchase their own insurance as individuals, rather than through a plan provided by their employer would mostly eliminate the pre-existing condition problem.
As with so many things, the involvement of the government has caused the healthcare/insurance market to become FUBAR.
I believe that employer provided health insurance was one of the worst things to ever happen. It largely detached people from the true cost of healthcare in general, and ingrained the "I am entitled to free/cheap healthcare" mantra that widely exists today.
It's a benefit, not a responsibility anymore.
PS: I have employer provided health insurance too,...it still costs me 9k a year though. One of the instances where it's a bummer to be both employee/employer as it's coming out of one of my pockets regardless.[:)]0 -
quote:Originally posted by mogley98
Slow down Ace I only disagree that you can't go without and expect others to pay for it. Surely you don't want that?
Easy fix for your scenario, high deductibles, that way you will NOT go to the hospital for a bandaide or Aspirin.
You must have a great idea, so how would you fix all the people who go without and show up at the ER unable to pay?
quote:Originally posted by Rocky Raab
Wonderful plan, mogley.
So when everyone has to buy insurance, they'll go to the hospital every time they need a bandaid or an aspirin. Because they want to get their money's worth.
And because they'll get paid by the insurance broker, the hospital can charge $100 or $1,000 for each bandaid and aspirin.
And to cover that, the broker will eventually have to up everybody's premiums to a million dollars a year.
So now, nobody can afford either the insurance or the medical care.
Yup, GREAT plan there, bud.
Wrong question Sir.
The question is why is the federal government involved in health care at all? The states can take care of their citizens much better than the Federal Monster can. If Ohio sends 4 billion to DC the feds strip 30% for operating expenses and stupid regulations then send the remainder back to the states with moronic mandates that serve few except for DC wealth, corruption and crony capitalism.
Cut out the middle man.
Get the feds the hell out of health care. If you want to see the PERFECT example of Federal Healthcare in action look no further than the VA nightmare. When the VA does not like the results of investigations they simply lie; changing nothing letting more vets die.0
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