You are aware that many health insurance policies do NOT cover preventative
care? And that, because of Obamacare, they now all must?
I think we should go back to our old system of health care when billionaire
insurance companies could cut poor, sick, and old people at any time for any
reason. How dare poor people bother billionaire insurance companies for health
As I look at people who are tipping the scales, its clear they don't know
what to eat. I imagine they are dying to get out of their obese body.
Providing people with a personalized nutritional plan would go a long ways in
helping our society get better from its unhealthy epidemic.
My current choice of private insurance allows me to have preventative healthcare
already. Obamacare only increases my premiums, co-pays and deductibles and gives
me far less choices in doctors and treatment options. I like my healthcare
insurance and Obama promised me: "If I like it I can keep it, PERIOD"! I
fear my president lied to me to get his will forced upon me!
And preventative care is covered under Obamacare… imagine that.The bigger and far more relevant question (or insight if the answer is already
clear) is why doesn’t our healthcare system do more to prevent disease
rather than treating ailments after they become pathologies?
Mountainman, What insurance did you already have that you
can't keep? How much did your premium, deductible, and co-pay go up? Why
can't you keep your prefered doctor? It seems all the worst-case scenarios
happened to you. I don't know anyone in your situation. I'd like to
hear how and why this has happened. Nothing in my situation has
changed except my premium is going down $2 per month in January.
GZE,I am fairly confident that many are finding that they are NOT
getting dropped, their coverage improves and their costs are similar. However, they would never admit it. They want it to fail; they root for it to
fail. They would rather see the other side fail than the country succeed.Partisanship now trumps country.
I'm worried about Mountainman. His insurer is abusing him. My insurer is
giving me the same services as always and dropping my premium a few dollars. I
think Mountain guy ought to change insurers.
Some people were paying for products that really weren't health insurance.
For example, "Dianne Barrette, 56, appeared on CBS News for a
segment about the wave of cancelations. Barrette, was upset because her $54 a
month insurance plan was being canceled. She believed a new one would cost her
more than $500 a month due to Obamacare. "What I have right now is what
I'm happy with," she said. "I just want to know why I can't
keep what I have. Why do I have to be forced into something else?"Barrette's $54 plan wasn't even insurance. Barrette was unsure of
what her plan covered. But she said it was what Blue Cross calls a
"supplemental" or discount plan, which only pays $50 toward
doctor's office visits and a few other out-patient services, including
mammograms. What her plan doesn’t cover: hospitalization. Not at all. If
she gets hit by a car, or gets cancer, she’s basically out of luck.
"It's all I could afford," she told me.With a bronze
plan, she’d be paying $43 a month more, but in return, she would have true
protection and access to health care."(MotherJones)
The problem is that I don't need the insurance for the preventive care, but
for the emergency care. My insurance gives me 1 well check per year. It
doesn't pay for anything else until I have paid $1000 towards my
deductable, and then only pays 60% up to my out of pocket max. What that means
is that when my children get sick, I have to pay out of pocket. What is the
point of insurance that is more like a pre-paid maintenance plan? Yes some
problems will be picked up early, but it does no good for a sick child at 3AM.
@Midvaliean:"Providing people with a personalized nutritional plan
would go a long ways in helping our society get better from its unhealthy
epidemic."Under Obamacare people will not only have nutritional
plans, they will be required to have and use them. And if they don't they
will get on Sebelius' 'death panel' list.@JoeBlow:"Yea, an I was promised that Iraqi had WMD and that Iraqi..."Iraq did have WMD... Saddam Hussein used them on the Kurdish people in the
north of Iraq."Newsflash. Politicians, including presidents say
things that are not true. It is not a new thing."Yeah, but they
seldom punctuate their lies with 'PERIOD.'
@Mountanman;My premiums have gone up in the double-digits every year
for over a decade, and that was all BEFORE the ACA. Yours is probably just like
mine, imagine that, the premiums went up once again.
Mountanman --- My insurance premiums went from $70 per month to $500
per month for the last 12 years BEFORE the ACA.The ACA will prevent
this type of price gouging by greedy For-profit insurance providers.Just like the power companies now need to ask for permission and provide
evidence to the Government before they can hike prices, now Healthcare must do
the same.That's called "regulating", and we need
it when companies have been taking advantage of consumers.
Red Shirt,It sounds like you (or your employer) chose the cheapest
option. I probably pay more than you, but my plan pays 80 percent after I reach
an annual deductible of $250 per person or $750 for the family.You
knew you were gambling on having to pay higher out-of-pocket expenses in the
event of an emergency when you chose the cheapest monthly premium. That's
the way insurance works.
To "LDS Liberal" lets look at the promises of the ACA before it would
pass. It was estimated to be a deficit reducing bill. That meant that the
Government would PROFIT from it. In late 2011, it was estimated that the ACA
would cost roughly $800 billion over 10 years. At the same time the CBO
estimated that it would reduce the deficit by $110 billion over that same time.
That means the government set it up with a 14% profit margin. Now, you say that
the insurance companies are greedy, and they average 3% to 4% for their profit
margins. Doesn't this mean that the government is MORE GREEDY than private
companies?Granted now, they are projecting that the ACA will add to
the deficit and debt, so tell us which is worse, the government making 14%
profit margins, adding to the debt, or private companies making a 4% profit
margin?Your idea of "regulating" insurance companies is what
Europe called Fascism in the 1930's.
Thanks...this is a good reminder. And also, the ACA requires all health plans to
cover basic preventive checkups and required immunizations. (Not just on their
websites, but all health insurance plans). So, it makes good sense to have a
health plan and use it for these basics.
An ounce of prevention, is wortha pound of the cure.
"In the state-run health insurance marketplaces, the government-approved
health insurance plans are divided into five tiers: platinum, gold, silver,
bronze, and catastrophic. Analysts expect young adults to gravitate towards the
bronze and catastrophic plans, which are the lowest-cost options.Both the bronze and the catastrophic plans cover basic preventative health
services including cholesterol tests, immunizations and screenings for
depression and alcoholism (a full list is here). Both also cover, to varying
degrees, all 10 categories of “essential health services”:
hospitalizations, emergency services, ambulatory (outpatient care) services,
some maternity and newborn care, pediatric care, vision and dental care for
children, mental health and behavioral health treatment, rehabilitative and
habilitative services and devices, laboratory services, and chronic care
services.There are some key differences between these two tiers,
however. For example, catastrophic plans are available to only those
under age 30 or who cannot find coverage for less than 8 % of their income.
Catastrophic plans are not eligible for subsidies.
So what's the repub alternative? We're all waiting. Tort reform? Yeah, that was included in the ACA.For the
repubs who hate their insurance rates going up, GOOD! So do we! Lets all agree
to get rid of insurance, shall we? Get rid of the lazy middle-man who
doesn't provide any medical service. Lets grow up and finally
go to a single payer system.
Nobody is getting a cheaper health insurance policy, unless they are getting
SUBSIDIZED. Where do you think that subsidy money is coming from? Most libs
think it comes from magic, or it just materializes out of thin air. It is just
another form of a handout, and transfer of wealth, but again does NOTHING to
bring down actual costs. Those of us who don't live in fairytale land, know
that very few additional people are going to go to the doctor for
"preventative" healthcare, that aren't already going. Who is going
to provide it to them anyway. Most clinics, and healthcare providers are already
at capacity. Many people now, who don't have to pay for it, don't use
@The Real Maverick: So what's the repub alternative?"Well
for sure it wouldn't be insurance covering males giving birth.
So you are saying that we are justified to go to war with anyone who has the
"capacity to easily re-create them (WMD)."Wow, you sure set
the bar low and take war a bit too casually.Yes, there are many who
voted to go to war. They all admitted it was a mistake and that no WMD's
were found. Even Bush admitted that Iraq had no WMD.I guess your
need to defend your party trumps logical and reasonable analysis.
To "The Real Maverick" we don't want a "Republican
Alternative" to Obamacare. We want a Free Market solution that works. Get
the government out of the way. The fact that they have taken us froma few
hundred insurance mandates in the early 1980's to over 2200 now is a
testament that government micromanagement of health insurance does NOT work.You are wrong about Tort reform being part of the ACA. See
Politifact's article "The health care law includes tort reform".
Even the liberal leaning politifact says that you are wrong.Why do
you want a single payer system? The government wastes money twice as fast as
private insurance companies do. Do you think that healthcare can get better if
we lose more money to fraud? Look at it this way. If they are already wasteful
insuring 1/3 of the population, what do you think happens when they pay for
@MountanmanIf your insurance plan complies with the ACA it can't
charge a copay for preventitive services. If thinks like well child exams, adult
physicals, colonoscopys or labs aren't paid at 100% of you maximum
allowable than your plan is grandfathered. And if it's a grandfathered plan
than than your insurance company can't make large rate increases. Either
something in your story is inaccurate or you should report them to the state
insurance commission or to the HHS, whatever regulatory body they fall under.
Because doing what you say they are doing is illegal and not part of the ACA.
Re:NoodlekaboodleMany health plans are required to cover certain
preventive care services at no cost.BUT not necessarily for health
plans created or bought before March 23, 2010, which are known as grandfathered
plans. Rate Review helps protect you from unreasonable rate
increases. Insurance companies must now publicly justify any rate increase of
10% or more before raising your premium. This does not apply to grandfathered
While I generally prefer a socialized health care system, there is no question
that personal responsibility is important, particularly as to diet! But the
medical profession has been giving us the WRONG advice for years - no animal fat
and all the sugar you want. Of course, the result has been a public health
disaster. Cavaet Emptor still applies.
To "marxist" you are doing better than usual today. You are half right.
We have been given the wrong advice for years. Unfortunately it has come from
the Government.Just look at when obesity began to be a problem, and
it is a few years after the government began their first attempt at telling us
how we should be eating.
@The Real Maverick:"So what's the repub alternative?"The Repubs' alternatives were set forth in committee when the
Obamacare bill was in progress... and they got completely shut out.@pragmatistferlife:"That is absolutely false. Iraq had no WMD
capacity at all."All it takes to create chemical WMDs is a few
chemicals and a lab to mix them in. They coulda done it in Saddam's garage.
Besides, a US investigation following the invasion, concluded that Iraq intended
to resume WMD production if/when the Iraq sanctions were lifted."They barely had a functioning country after years of war with
Iran..."Wars don't cause non-functioning countries. In
fact, it generally spurs economies."Our sanctions alone killed
over a million people."Shame on us."Why do you
think the country crumbled like it did..it had no war capacity as a state
military."Saddam never did have a very powerful military
compared the the US military... and considering how he was routed re his
invasion into Kuwait.
Andrew, do you mean to tell me there are things I can do on my own which can
help me stay healthy? That I don't need to sit around and wait for the
government to tell me what to do? Wow, what a remarkable concept.So
when the government encourages people to smoke by passing higher and higher
cigarette taxes, explaining that the tax is going to pay for health care, I
shouldn't feel guilty of I don't buy them or smoke them?You mean if I decide on my own to watch what I eat and drink that's okay?
If I decide on my own to get screened for cancer or tested for heart disease or
other health issues, that's okay too? I don't need to wait for the
government to tell me?