CrustyJeep
Well-Known Member
What pool? I know mine is company wide. What you pay has no effect on my rates, even if we happen to be with the same provider. I'm not at all clear how this bill effects how the pools are structured.
New Health Care Bill
- Thread starter slednecks1124
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Jaydog
Well-Known Member
I don't think anyone or any party is against healthcare reform, everyone that has ever paid a doctors bill or an insurance premium knows that it needs reform. :rolleyes:
Jaydog
Well-Known Member
They screwed that one up with the covering of pre-existing, for instance, if I choose not to get health insurance I am going to have to pay 700-800 to the government as a fee, if I get hurt then I can go out and purchase insurance and they have to pay to fix me, even though it was pre-existing, who in thier right mind is going to pay year round when they can just purchase insurance as they need?
CrustyJeep
Well-Known Member
I think there's at least a waiting period before a new policy has to pay out for pre-existing conditions. You won't be able to buy a policy today, and then have it pay for treatment of that cancer you've had for three months tomorrow.
crash2
-Oh no I picked a side-
By pool I mean across the board of all providers.
CrustyJeep
Well-Known Member
That won't happen - that would be a single payer system. The providers will still be private and distinct companies. The best we'll get is pools that cover everybody insured by an individual company.
Jaydog
Well-Known Member
True, but I could pay the penalty until I am diagnosed with some long term illness, or just wait the few months to get surgery, either way it is a loophole that will cost an endless amount of money, the penalty would have to be more than what the premium itself would cost for it to be effective.
CrustyJeep
Well-Known Member
This bill is so good that our premiums are going to drop to less than $700 a year :cheer: :lol:
crash2
-Oh no I picked a side-
I would be happy if it dropped below that a month :booo:
P
PUO-BANNED
Guest
I wouldn't be surprised if the companies come up with a way to put you under a contract as a way to prevent dumping your insurance after an operation/treatment.
crash2
-Oh no I picked a side-
But what about this jason.
Ok right now I am willing to bet we pay a hefty price(in our premiums) for folks who do not have any health coverage. Those folks use the ER's and skate on there bills so you have lots of lawers and so on involved sucking more from the system.
IMO even with pre exhisting illness's I think having them covered is better that not.
Duck Dodgers
Well-Known Member
Not really. All those bills that do not get paid can be written off thier taxes as "uncollectible debt" by the doctors and hospitals. So you do pay for it and maybe even twice. 1. Your premiums go up under the guise of "lost revenue". 2. Your taxes go up because the "uncollectible bills" were written off and Big Brother lost the revenue so it has to be collected somewhere.
The "pre-exisiting" condition clause being removed will make costs sky rocket. There is no way it can't. Look at it like one of those auto maintenance insurances deals. If the removed all the mileage restrictions on a policy how would they ever make any money. You'd people with Studebaker's getting frame off restores. Same concept with health care.
If they truly wanted to lower health care cost to the America people there is a simple way to do it.
1. Tort Reform plain and simple.
2. Make premiums based on income, a sliding scale if you will. You make 1mill you pay 10k you make 10k you pay $100.00 or so.
3. Let insurance companies compete across state lines.
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TooRisky
Well-Known Member
Well I guess the public outrage is being "pooh poohed" by the congress people who voted for it...Shots are being taken at em for real...Thats how the people feel about this BS healthcare reform.....
CrustyJeep
Well-Known Member
You really want to have to show your tax returns to your insurance company, in addition to the .gov? :puke:
Jaydog
Well-Known Member
Probably, but as the bill is written it leaves a lot of open loopholes that could drive up costs, which is the opposite of what they said they are trying to do, IMO, this was just a way to get everyone covered regardless of cost.
I agree, but I will venture to guess that the amount lost to the uninsured is just a drop in the bucket to what the pay in malpractice insurance, and crazy lawsuits, If a doctor cuts off your pinky on accident you should get some compensation, but not 500 million dollars, there needs to be tort reform that will limit these phony lawsuits, there needs to be a cap on how much somebody gets paid in a settlement, L&I has caps on every part of your body, why not insurance companies, and then like was previously stated, they need to open it up so that insurance companies can compete across the united states, that in itself would lower premiums, auto insurance is allowed to do this, but not health insurance.
I, like everyone else, believe that we need reform, I just believe this bill was rushed through without any thought to cost, it is not a reform bill, and in time we will all regret it....I hope I'm wrong though.
Jaydog
Well-Known Member
The sad part about the whole thing is the media spin, they are making it sound like the people that are mad about it are a bunch of heartless, prejudice tea baggers, when in fact the polls showed that 55%-65% were opposed to this bill, not opposed to health care reform, just this bill and the way they were sneaking it through, I am angry with my Rep for voting against the American people that he represents, or was suppose to represent.
Actually Mike, that's not accurate. People not having insurance has nothing to do with your premiums. Who loses out, is our medical providers who get stuck having to treat patients and not get paid for it. On a back door way, the doctors have to get enough money from those who do pay, to make up for those who don't. People with pre-existing conditions getting insurance will undoubtable raise our premiums.
One area that does raise our premiums, is young healthy people not getting insurance because they don't need it.
It's like Medicare, all the young people pay so that the older people have insurance, because Medicare premiums alone don't even touch the amount of money most Medicare recipients go through. With our insurance programs the young and healthy by inexpensive insurance or don't buy any at all, and this does affect our premiums.
The American Medical Association has weighed in on the new Universal Health Plan.
Allergists voted to scratch it, but the Dermatologists advised not to make any rash moves. The Gastroenterologists had sort of a gut feeling about it, but the Neurologists thought the Administration had a lot of nerve. The Obstetricians felt they were all laboring under a misconception. Ophthalmologists considered the idea shortsighted. Pathologists yelled, "Over my dead body!" while the Pediatricians said, 'Oh, Grow up!' The Psychiatrists thought the whole idea was madness, while the Radiologists could see right through it. Surgeons decided to wash their hands of the whole thing. The Internists thought it was a bitter pill to swallow, and the Plastic Surgeons said, "This puts a whole new face on the matter." The Podiatrists thought it was a step forward, but the Urologists were pissed off at the whole idea. The Anesthesiologists thought the whole idea was a gas, and the Cardiologists didn't have the heart to say no...
In the end, the Proctologists won out, leaving the entire decision up to the a . . . . . . s in Washington .
Allergists voted to scratch it, but the Dermatologists advised not to make any rash moves. The Gastroenterologists had sort of a gut feeling about it, but the Neurologists thought the Administration had a lot of nerve. The Obstetricians felt they were all laboring under a misconception. Ophthalmologists considered the idea shortsighted. Pathologists yelled, "Over my dead body!" while the Pediatricians said, 'Oh, Grow up!' The Psychiatrists thought the whole idea was madness, while the Radiologists could see right through it. Surgeons decided to wash their hands of the whole thing. The Internists thought it was a bitter pill to swallow, and the Plastic Surgeons said, "This puts a whole new face on the matter." The Podiatrists thought it was a step forward, but the Urologists were pissed off at the whole idea. The Anesthesiologists thought the whole idea was a gas, and the Cardiologists didn't have the heart to say no...
In the end, the Proctologists won out, leaving the entire decision up to the a . . . . . . s in Washington .
Broken Again
Well-Known Member
I've heard people talk about how this is going to be a war between the wealthy and the poor.
I disagree, I think this will turn into a war between the healthy and un-healthy.
People who smoke, are over weight, have a drug problem etc will become the enemy of the people that have to pay for their health insurance. Even those who are healthy but take part in high risk activites like sky diving or mountian climbing will be seen as bad guys.
Then at some point, the young will start to resent the old because they use up more health care dollars.
If your old, fat and smoke watch out.:fawkdancesmiley:
I disagree, I think this will turn into a war between the healthy and un-healthy.
People who smoke, are over weight, have a drug problem etc will become the enemy of the people that have to pay for their health insurance. Even those who are healthy but take part in high risk activites like sky diving or mountian climbing will be seen as bad guys.
Then at some point, the young will start to resent the old because they use up more health care dollars.
If your old, fat and smoke watch out.:fawkdancesmiley:
JPTHING
Well-Known Member
In my opinion, most of the people who are against this are against it strictly because of who wrote it. Because it was written in BLUE ink instead of RED.
Again I don't agree 100% with being requred to have insurance, but in the same respect, hospitals shouldn't have to float your bill when you get hurt, and then default on your bill. Which is the case for most people like us who are technically considered living in Poverty. If we can't afford to pay for the healthcare, then we just don't pay for it. We pay all the other bills, but the healthcare bills don't get paid. I know this cause in my job we are running credit reports and 80% of these people have unpaid medical bills, and we overlook that cause we know that the current healthcare system sucks.
First great idea... sorry if you have to do a better job! the new health care bill will also implement a test system in Medicare in which payments are made based on the quality, rather than quantity of health care services. Health insurers will also be barred from charging different premiums to customers based on gender.
Second great idea, insurance companies wll have a harder time screwing us... Exchanges will be created so individuals without employer-provided health care or small business can shop for health care coverage
Again I don't agree 100% with being requred to have insurance, but in the same respect, hospitals shouldn't have to float your bill when you get hurt, and then default on your bill. Which is the case for most people like us who are technically considered living in Poverty. If we can't afford to pay for the healthcare, then we just don't pay for it. We pay all the other bills, but the healthcare bills don't get paid. I know this cause in my job we are running credit reports and 80% of these people have unpaid medical bills, and we overlook that cause we know that the current healthcare system sucks.
First great idea... sorry if you have to do a better job! the new health care bill will also implement a test system in Medicare in which payments are made based on the quality, rather than quantity of health care services. Health insurers will also be barred from charging different premiums to customers based on gender.
Second great idea, insurance companies wll have a harder time screwing us... Exchanges will be created so individuals without employer-provided health care or small business can shop for health care coverage
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Broken Again
Well-Known Member
On one point of your post....
I don't care what color your ink is.
It's a great ideal, unless your the one paying.
JPTHING
Well-Known Member
We'll pay for it one way or another, whether it be through taxes, lost revenue for hospitals... then they claim it on their taxes(so we pay anyway) or tax increases, which no matter what anyone says happens with either political party.
Broken Again
Well-Known Member
JPTHING
Well-Known Member
Now I have health insurance, only because I have to, for one my wife has a skin disorder that requires medication that cost $4000 per month, and my younger daughter decided to live with my parents(she didn't like all the moving). So I will not be affected much really by the new health care bill. But I make $8.65 per hour, as well as my wife makes $8.65 per hour, we have to pay $160 every 2 weeks for me and my two kids, and she pays $130 every 2 weeks for her alone(she needs better insurance tha we do). So I know it is difficult paying for health insurance, but it is a requirement in my household.
Broken Again
Well-Known Member
I pay under $100 month for myself and my family.
I'm at the point that I can retire with full insurance(and pension) for the rest of my life with the premiums fixed to a reasonable adjustment. I've worked at the same place for longer that many of the people on this board have been alive. I've worked hard and earned the position I'm in. It was not easy, there were over 500 applications for my position. I didn't get the job by accident.
I believe that hard work, comitment and building a marketable skill have played a big part in what I have.
So, yeah, I do resent that I will have to pay for insurance for people that don't make any effort to better themselves or thier situation.(not saying your one of them).
I'm at the point that I can retire with full insurance(and pension) for the rest of my life with the premiums fixed to a reasonable adjustment. I've worked at the same place for longer that many of the people on this board have been alive. I've worked hard and earned the position I'm in. It was not easy, there were over 500 applications for my position. I didn't get the job by accident.
I believe that hard work, comitment and building a marketable skill have played a big part in what I have.
So, yeah, I do resent that I will have to pay for insurance for people that don't make any effort to better themselves or thier situation.(not saying your one of them).
JPTHING
Well-Known Member
Trust me my job is created to help those who abuse the system. I am a property manager of a Tax Credit property, who specializes in "Affordable Housing"(low-income) and I would say the majority of them are abusing the system. From "disabilities", to the husband not working so they don't make too much so they can only pay $402 a month in an area that the average rent is from $1300 to $4000 per month, then there are the people who are working under the table, claiming they are unemployed, so they can live in a million dollar neighborhood and only pay $49 per month through Section 8. I too spent 20 years working construction which never paid for anything except for an aching body. So I hear ya on paying for everyone else and I really don't like loosing my hard earned taxes to help loser who are too selfish/lazy to become self sufficient.
Insurances cannot claim lost money on their taxes. Since they never received it, they cannot claim they lost it. The can claim the loses or decreased revenues caused by the expenses incurred when someone bails on their bill, but the taxpayer does NOT end up footing the bill.
I was a health care provider and had my on clinic for 7 years. It's a myth that a health care provider can "write off" their bad debt accounts or the contractual write offs between their Usual and Customary Rate and the contracted rate that say, Medicare pays. Believe me, I tried...
I am curious, how do you figure that if a hospital was able to claim the lost revenue on their taxes, how the taxpayer would end up paying for it. I think a lot of people misunderstand how this works so just wondering how you think the write offs work and how this affects their taxes. I ask only to help set the issue straight, if need be.
chuck pierce
Well-Known Member
you worked construction for 20 years and now you do what for 8 bucks an hour.thats it,you want an 8 dollar an hr job so you dont have to work hard but you want me to pay your bill.what a joke.25 yrs same union construction outfit.ive busted my balls so i can make a 100G a year and i dont mind payin my way.why should i have to pay for yours?
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