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 Posted: Thu Mar 16th, 2017 08:56 pm
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Big Garea Fan

 

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indikator wrote: I read that pre-existing conditions will be handled like now only if you don't have gaps in coverage. Trumps fanbase wouldn't like that at all.
This is a big reason why I don't think health insurance should be employer based:

1) If a person is laid off from a job, the unemployment pay isn't enough to get by - much less make the COBRA payments. As a result, many unemployed will forego health insurance to be able to cover other expenses and pray that that don't get sick or injured during their period of unemployment. This will result in a gap in coverage. Plus, many people don't understand the basics of insurance (co-pay, deductible, formularies, etc) so can you imagine the number of people who will get burned by the coverage gap rule simply because they didn't know about it / understand it?

2) If an unemployed person (or dependent family member) has a pre-existing condition, he would be pressured to take any job just to prevent a lapse in coverage. Instead of being able to return to school to pursue a better career, he would be forced to take a "McJob" (if he is able to find one) just to maintain insurance coverage.

So, consider this scenario...

What would you do if your wife was battling breast cancer and you just got laid off from your factory job (that provided her health insurance) since the company is going bankrupt?

If you have never seen it, try watching "John Q" with Denzel Washington. I wouldn't be surprised if there would be a lot of "John Q"-like incidents all around the country if this provision passes.

Last edited on Thu Mar 16th, 2017 09:31 pm by Big Garea Fan

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 Posted: Thu Mar 16th, 2017 09:05 pm
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Big Garea Fan

 

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Ultimark wrote: The bottom line is that Ocare must be fixed. We have 1 insurer left where I live and they are threatening to leave. So, what happens then? Of course the pols could cave and I could wind up paying $2500 a month in which case fuck it, I won't pay it.

This bill doesn't do it. From what I am told they are trying to do the things that can get through reconciliation. The pitch to the conservatives is that the rest will pass in part 2 and 3. Don't buy it. Both sides are motherfucking liars.

Insurance companies have all of the power in this system. Even so-called "government programs" such as Medicare, Medicaid, and various state insurance programs are all run by insurance companies - not the government. Anytime something is privatized, you have the extra cost of "profit for the private company" to factor in. A single payer system is sounding better and better. Get the greedy insurers out of the system and let the government run it.

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 Posted: Sun Mar 19th, 2017 02:26 pm
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Ultimark



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Big Garea Fan wrote: indikator wrote: I read that pre-existing conditions will be handled like now only if you don't have gaps in coverage. Trumps fanbase wouldn't like that at all.
This is a big reason why I don't think health insurance should be employer based:

1) If a person is laid off from a job, the unemployment pay isn't enough to get by - much less make the COBRA payments. As a result, many unemployed will forego health insurance to be able to cover other expenses and pray that that don't get sick or injured during their period of unemployment. This will result in a gap in coverage. Plus, many people don't understand the basics of insurance (co-pay, deductible, formularies, etc) so can you imagine the number of people who will get burned by the coverage gap rule simply because they didn't know about it / understand it?

2) If an unemployed person (or dependent family member) has a pre-existing condition, he would be pressured to take any job just to prevent a lapse in coverage. Instead of being able to return to school to pursue a better career, he would be forced to take a "McJob" (if he is able to find one) just to maintain insurance coverage.

So, consider this scenario...

What would you do if your wife was battling breast cancer and you just got laid off from your factory job (that provided her health insurance) since the company is going bankrupt?

If you have never seen it, try watching "John Q" with Denzel Washington. I wouldn't be surprised if there would be a lot of "John Q"-like incidents all around the country if this provision passes.

The USA is one of the only countries on earth where health ins is employer based.  It is a model no one would ever set up today from scratch.  The sad part is that there are solutions to this but each side has to be willing to sacrifice something.  Just some things that I think could help:
1.  Since 50 to 64 year olds seem to be a huge issue for Trumpcare, why not expand Medicare to potentially cover them?  Make the premium double for a 50 year old as compared to a 65 year old which would slope down to what a 65 yr old pays the closer you come to 65.  Also, for this option to work, the person would have had to pay in for a certain amount of years to the program and be a legal citizen obviously.  This would help Trumpcare since it would take some of the more at risk people out of the pool and probably help Medicare since 50 to 64 year olds would be a healthier pool than what is there currently.  The GOP would have to compromise on this.
2. Tort Reform - set caps and stop the nonsense "let me get paid" lawsuits.  This is a huge factor in the cost increase of health insurance.  Watch TV during the day and most commercials are for lawyers wanting to sue Doctors.  The Democrats need to budge on this. 
3. Smokers pay more - I know this already being done to an extent.  Double the premiums.  I know the response.  What about people who eat bad?  Apples and oranges.  There is nothing more expensive in the long run from a medical perspective than a smoker.  
4. Interstate Competition - any insurance company can compete anywhere for health insurance business.   The states insurance commissions hate this idea. 
5. Premium reductions for good health.   You go the gym?  Have good blood pressure?  Have decent cholesterol levels and so on.  You get a 10% reduction.  Even modest improvements can be rewarded with a slight premium reduction. 
6. You MUST have health insurance.  The libertarians hate this idea.  Tough shit.  This is where they need to compromise.  No more free riders.  You only have to have only major medical with a higher deductible.  These plans used to cost very little.  Trips to the ER for BS will now result in a penalty. 
7. Your plan can be customized.  I know, I know.  Women bitch and moan because they have to pay more because of maternity.  Well, men pay more for car and life insurance.  Get over it.  My plan would allow people to customize based on their time of life and particular needs.  
8. Associations should be encouraged to offer a version of group life.  Think AARP and the AICPA.  We get life insurance through the AICPA and pay about half of what a person would pay on their own.  
Anyway, I know none of this will happen since the above manages to piss pretty much everyone off. 

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 Posted: Sun Mar 19th, 2017 02:51 pm
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Papa Voo



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All those are good, but the major thing that needs to be completed for options like those are for the insurance industries to become more regulated. That is the pink elephant in the middle of the room. It is that or single-payer. One or the other. It cannot continue the way it is now.

Last edited on Sun Mar 19th, 2017 05:32 pm by Papa Voo

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 Posted: Mon Mar 20th, 2017 08:01 pm
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Ultimark



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Heh. Trump is meeting with one of the architects of Obamacare this week. Just a reshuffle.

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