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Healthcare Reform Passes the House

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cjik
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Re: Healthcare Reform Passes the House

Posted by DiamondGirl

Posted by BunnyWife

Posted by BabyBoy

For all you "Non-believers" is reform that currently "Have" insurance that won't be effect you, why do you disagree? What is the answer...

why must a person's health suffer when they have little or no benefits?



I'm curious as well. Are we supposed to continue to let 46 million people not have healthcare?



I do not get it either.

If I had to guess I would say people who have good insurance fear their insurance will be "compromised" by giving all people insurance coverage?

This is a guess...if I am wrong please feel free to explain it to me.

I think the more people covered the better. WHy should anyone go w/o insurance in America in this day and age?

I will not benefit from this bc I work for the city and have the best insurance a person could have. But I WOULD like to see the millions of people benefit who currently have no coverage.



My insurance is currently good, golden, I have no complaints with it. But my family is lucky. I do however feel our current system of healthcare does not work--there are too many people with little or no insurance. And I don't buy that "get another job if you aren't happy" arguement, which is ridiculous. The system we have is inequitable, leaves too many people in the dust, and if I have to pay more to correct this, doesn't bother me.

I don't understand why offering healthcare is such a horrible event. We ARE paying for those without insurance now, everyday, and many of them wind up with far worse healthcare costs than they may have if they had insurance in the first place. And presenting Medcaid as a viable option is a joke--if you earn a typical middle class income you won't qualify for Medicaid. And you also can't purchase your own insurance, so you are just SOL.

And if we want to shake off the shakles of impending socialism, we should dispense with Medicare and Medicaid while we are at it. Umemployment insurance too. And social security. Then we can be a truly capitalistic society--every man and woman for themselves.


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Message edited 11/8/2009 10:57:08 PM.

Posted 11/8/09 10:49 PM
 
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HeathKernandez
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Re: Healthcare Reform Passes the House

Posted by cjik

Posted by DiamondGirl

Posted by BunnyWife

Posted by BabyBoy

For all you "Non-believers" is reform that currently "Have" insurance that won't be effect you, why do you disagree? What is the answer...

why must a person's health suffer when they have little or no benefits?



I'm curious as well. Are we supposed to continue to let 46 million people not have healthcare?



I do not get it either.

If I had to guess I would say people who have good insurance fear their insurance will be "compromised" by giving all people insurance coverage?

This is a guess...if I am wrong please feel free to explain it to me.

I think the more people covered the better. WHy should anyone go w/o insurance in America in this day and age?

I will not benefit from this bc I work for the city and have the best insurance a person could have. But I WOULD like to see the millions of people benefit who currently have no coverage.



My insurance is currently good, golden, I have no complaints with it. I do however feel our current system of healthcare does not work--there are too many people with little or no insurance. And I don't buy that "get another job if you aren't happy" arguement, which is ridiculous. The system we have is inequitable, leaves too many people in the dust, and if I have to pay more to correct this, doesn't bother me.

I don't understand why offering healthcare is such a horrible event. We ARE paying for those without insurance now, everyday, and many of them wind up with far worse healthcare costs than they may have if they had insurance in the first place. And presenting Medcaid as a viable option is a joke--if you earn a typical middle class income you won't qualify for Medicaid. And you also can't purchase your own insurance, so you are just SOL.

And if we want to shake off the shakles of impending socialism, we should dispense with Medicare and Medicaid while we are at it. Umemployment insurance too. And social security. Then we can be a truly capitalistic society--every man and woman for themselves.


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Posted 11/8/09 10:55 PM
 

Palebride
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Lori

Re: Healthcare Reform Passes the House

Posted by prncsslehcar

I'm probably in the extreme minority here, but as someone who has incredible health insurance, I can honestly say that my husband and I both feel that if we have to pay more so that other people can also have health insurance, then we are ok with it. Sometimes it's for the greater good. Yes my insurance might change, yes the price might go up, but I'm ok with it because when it comes down to it, tomorrow, my husband could be out of a job and we'd be screwed and it could happen to anyone else, too.
That's just my opinion, and I just feel as someone who has wanted healthcare reform, I realistically understand that it will eventually end up costing me more. And I really am ok with that.



I agree 100%!

Posted 11/8/09 10:55 PM
 

maybesoon
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Re: Healthcare Reform Passes the House

well my DH is in insurance so I'm not thrilled bc he is the breadwinner. but my bigger concern is who is going to pay for this?

Posted 11/8/09 10:58 PM
 

maybesoon
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Re: Healthcare Reform Passes the House

Posted by astroqueen74

I'm torn with this but my DH is in healthcare and he is not happy at all. We have our reasons and would love for everyone to have health care but if this bill its going to affect my household then I am concern.




same here, I'm not working now , just something else to worry about

Posted 11/8/09 11:04 PM
 

Erica
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Re: Healthcare Reform Passes the House

I have great insurance and am for it. I understand that there will be people inconvienced and I am willing to be part of that group for the good of my community.

From someone who used to work in Medicaid...it is NOT easy to qualify. If you saw the low standards, you wonder how people can survive at all.

And already we pay:

for illegal aliens as it is through medicaid - through emergency rooms.

increased health care costs when people need to declare bankruptcy b/c of medical bills. More than half of the people who file for bankruptcy have a serious health issue.
[Source: The Fragile Middle Class: Americans in Debt; Elizabeth Warren, Harvard Law School; Smith Business Solutions]

Posted 11/8/09 11:06 PM
 

lululu
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Re: Healthcare Reform Passes the House

Posted by prncsslehcar

I'm probably in the extreme minority here, but as someone who has incredible health insurance, I can honestly say that my husband and I both feel that if we have to pay more so that other people can also have health insurance, then we are ok with it. Sometimes it's for the greater good. Yes my insurance might change, yes the price might go up, but I'm ok with it because when it comes down to it, tomorrow, my husband could be out of a job and we'd be screwed and it could happen to anyone else, too.
That's just my opinion, and I just feel as someone who has wanted healthcare reform, I realistically understand that it will eventually end up costing me more. And I really am ok with that.



I COMPLETELY agree with this. I think it's so short sighted of people to not realize that very easily they could become one of the people without healthcare. I don't think people realize how bad that would be. The economy is crap right now. If people lose their job there is a good chance it will take a while for them to find a new one which means they could be without health insurance for a long time. And this is true for poor people, middle class and upper middle class people. Ultimately though I think that this country has a ME ME ME mentality and people are only concerned with their own families and not the greater good. I don't know if the current plan is the answer but something has to be done and we all have to pay for it!

Posted 11/9/09 8:24 AM
 

Blu-ize
Plan B is Now Plan A

Member since 7/05

32475 total posts

Name:
Susan

Re: Healthcare Reform Passes the House

Posted by HeathKernandez

Posted by cjik

Posted by DiamondGirl

Posted by BunnyWife

Posted by BabyBoy

For all you "Non-believers" is reform that currently "Have" insurance that won't be effect you, why do you disagree? What is the answer...

why must a person's health suffer when they have little or no benefits?



I'm curious as well. Are we supposed to continue to let 46 million people not have healthcare?



I do not get it either.

If I had to guess I would say people who have good insurance fear their insurance will be "compromised" by giving all people insurance coverage?

This is a guess...if I am wrong please feel free to explain it to me.

I think the more people covered the better. WHy should anyone go w/o insurance in America in this day and age?

I will not benefit from this bc I work for the city and have the best insurance a person could have. But I WOULD like to see the millions of people benefit who currently have no coverage.



My insurance is currently good, golden, I have no complaints with it. I do however feel our current system of healthcare does not work--there are too many people with little or no insurance. And I don't buy that "get another job if you aren't happy" arguement, which is ridiculous. The system we have is inequitable, leaves too many people in the dust, and if I have to pay more to correct this, doesn't bother me.

I don't understand why offering healthcare is such a horrible event. We ARE paying for those without insurance now, everyday, and many of them wind up with far worse healthcare costs than they may have if they had insurance in the first place. And presenting Medcaid as a viable option is a joke--if you earn a typical middle class income you won't qualify for Medicaid. And you also can't purchase your own insurance, so you are just SOL.

And if we want to shake off the shakles of impending socialism, we should dispense with Medicare and Medicaid while we are at it. Umemployment insurance too. And social security. Then we can be a truly capitalistic society--every man and woman for themselves.


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Exactly as I see it. We pay for the uninsured anyway. If they were insured the costs would be managed better and we would pay less! That's right less!

I only pray that those who see it with blinders on never lose their jobs or their health benefits or never have a condition which would preclude them from gaining reasonably priced coverage.

Posted 11/9/09 8:46 AM
 

MikesWife
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Member since 1/06

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Karen

Re: Healthcare Reform Passes the House

I'm less concerned about the $$$ and more concerned about a matrix that may be formed.
I worry that doctors are going to be boxed in on how, when, and what kind of medicine can be given and to whom.
I'm concerned that federal funding will dictate these things and that doctors are going to lose their ability to actually treat patients.

Posted 11/9/09 9:10 AM
 

astroqueen74
Vibrant Health

Member since 1/07

2822 total posts

Name:
Karina

Re: Healthcare Reform Passes the House

Posted by maybesoon

Posted by astroqueen74

I'm torn with this but my DH is in healthcare and he is not happy at all. We have our reasons and would love for everyone to have health care but if this bill its going to affect my household then I am concern.




same here, I'm not working now , just something else to worry about



same here, unemployed since July 2009. My DH carries the insurance.

Posted 11/9/09 9:35 AM
 

annoyedTTCer
LIF Adult

Member since 4/09

3272 total posts

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Re: Healthcare Reform Passes the House

Posted by BabyBoy

For all you "Non-believers" is reform that currently "Have" insurance that won't be effect you, why do you disagree? What is the answer...

why must a person's health suffer when they have little or no benefits?



very narrow way to look at things.

I'm a taxpayer - I like to track how my government keeps getting further in debt since that impacts our lives in so many ways



Posted 11/9/09 9:50 AM
 

BriBri2u
L'amore vince sempre

Member since 5/05

9320 total posts

Name:
Mrs. B

Re: Healthcare Reform Passes the House

Another person with great healthcare coverage who supports this.

Like a pp stated, anyone of us could end up with no benefits shoud we lose of jobs, than what?

I worked on the opposite end of insurance branch - I reviewed EOB's for hundreds of claims to all different insurance companies world wide.

I couldn't even tell you the BS I would get from the insurance companies about why they were not paying claims or charges. Constant back & forth for years on one claim, providing them with EVERYTHING they requested so they can "pay" and nothing.

Someone needs to step in & MONITOR them. I have friends who work for insurance companies & part of their job is to "deny".

Medicare & Medicaid is no different. Standards for qualifying are set high.

Than you have people who scam their way into coverage. I saw this ALOT. People would cry that they didn't couldn't pay the owed amounts on the calims, yet there they were driving away in their $100,000 car or hanging up on me from the Upper west side address with medicare listed on their records. Ummm Chat Icon

Posted 11/9/09 9:51 AM
 

BunnyWife
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BunnyWife

Re: Healthcare Reform Passes the House

I don't understand why this is an argument? We have spent almost a trillion dollars, yes, a TRILLION dollars on the wars in Afghanistan and Iraq. Why aren't people getting up in arms about that? Think of how many people we could have covered with that money?

Posted 11/9/09 10:04 AM
 

Xelindrya
Mommy's little YouTube Star!

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Veronica

Re: Healthcare Reform Passes the House

Am I in the minority here?

I see a lot here who are "ok with it" to pay for this program. Really?

Wow.

I'm sorry.

I think that's great for you really but not for me. As one said, we already pay for the uninsured. Yes, we do, so the price we used to pay won't change its just going to increase. You're ok with paying more for the same thing? Not just you but your children as well?

I'm very confused how its ok to pay for services you already have which WILL be changed (and if you loved your program before, you think they will just leave it totally untouched?).

The ME ME ME attitude? Hrm, I can see how this 'may' look like that. It's all prespective. I have been laid off twice and uninsured while I was temping. I'm not saying there isn't a problem I'm saying this isnt the solution. It breeds fraudulant behavior and a attitude that the government will be responsible for our healthcare. We need to take ownership of our healthcare, not give it away. I fear our government lacks the balls to truly change the healthcare environment. How much pharmacuetical lobby money is going to move?

If just money...

Well I dont have enough to pay for groceries anymore. I seriously doubt this is going to help me. I can barely afford AJ's food and hubby and I have moved to meager rations of PB&J and ramen soup, but now you want me to pay for someone else too? I'm sorry - yes it's selfish, but I need to take care of my family. If I could help theirs I would, but I can't and forcing me to do so because it makes politicans look good is horribly wrong.

I'm just 'not ok' with paying for insurance for others by taking from my own. This isnt a communist country, it *IS* a capitalist society. I'm not ashamed of that. I worked hard to get what little I have. I will not apologize for wanting to keep it.

But I will say, I'm glad I moved to Texas when I did. I'm glad I haven't bought a home yet because with this, the so-called american dream is more or less GONE. Now I can just hope to keep working long enough to pay for taxes that may free my daughter enough to get a chance a truly free life.
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Posted 11/9/09 10:21 AM
 

BunnyWife
Insert Witty Comment Here

Member since 5/07

8274 total posts

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BunnyWife

Re: Healthcare Reform Passes the House

Posted by Xelindrya



I'm just 'not ok' with paying for insurance for others by taking from my own. This isnt a communist country, it *IS* a capitalist society. I'm not ashamed of that. I worked hard to get what little I have. I will not apologize for wanting to keep it.




We are not a purely capitalist society. As much as some people would like to believe that, we aren't. There would be no medicaid, medicare, family health plus, healthy NY and the like, funding for the arts, schools, hospitals, fire departments, public libraries, air traffic control system, highways, parks, police, unemployment insurance......I could go on but I won't. It's not black and white. It's not that the country is either a socialist (which is very different the Communist) or capitalist, it's a bit of both as most countries in the world are.

Posted 11/9/09 10:32 AM
 

DeniseMarie
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Re: Healthcare Reform Passes the House

Posted by prncsslehcar

I'm probably in the extreme minority here, but as someone who has incredible health insurance, I can honestly say that my husband and I both feel that if we have to pay more so that other people can also have health insurance, then we are ok with it. Sometimes it's for the greater good. Yes my insurance might change, yes the price might go up, but I'm ok with it because when it comes down to it, tomorrow, my husband could be out of a job and we'd be screwed and it could happen to anyone else, too.
That's just my opinion, and I just feel as someone who has wanted healthcare reform, I realistically understand that it will eventually end up costing me more. And I really am ok with that.



i agree with you. It could be any one of us one day who now currently have good insurance.

I am not sure if this impacts life insruance or disability ins but i was denied both due to a blood disorder that i have. The one company that would give it to me was $$$$$$$

Posted 11/9/09 10:39 AM
 

Porrruss
Nya nya nya

Member since 5/05

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Name:
Amy

Re: Healthcare Reform Passes the House

I've read the bill and a few "Cliffs Notes" versions over the past few weeks and perhaps I've missed it but can someone show me exactly where it states this is going to cost those who have private health insurance more money or lessen the amount of coverage they receive? Is this just an assumption people are making or has it been outlined? I'm seeing there will be a tax for those who elect to not take part in the plan (or any plan), but not seeing where it will financially affect those with private care through their employer.

As for getting hit doubly because your spouse elects to have no insurance at his job, you are mistaken. As long as acceptable insurance is provided by the spouse, then he is fine.

I understand that change is scary- but really, this current system is so incredibly broken the way it is. Has anyone here actually read the bill, or are you listening to bloggers and biased sources?

After reading the bill, I am concerned about changes (because change is scary) but don't see the need for people to feel like we're going to hell in an uninsured handbasket. Chat Icon

Posted 11/9/09 10:42 AM
 

Blu-ize
Plan B is Now Plan A

Member since 7/05

32475 total posts

Name:
Susan

Re: Healthcare Reform Passes the House

Where does it say that our taxes will increase. I think if you look at what we won't be paying for anymore you will see that we will be paying less.

If we go on this way with no reform our taxes will increase. We cannot afford to go on this way.

The use of ERs is not a cost effective way to pay for healthcare. The costs are staggering. We pay for that now. ERs can't handle the load either.

DH went to the ER in June for Shingles because our doc wanted an Infectious disease doc to see him to make sure of the diagnosis.

No less than 5 doctors and 5 nurses along with 3-4 administrator type people "saw" him. How efficient is that????

Unfortunately that was an emergency situation that could not have been avoided with preventative doc visits but people use the ER that don't have coverage because hospitals cannot turn people away. Doctors can.

If everyone was insured, they would go to doctors. The bill rate would be so much lower and cost less and people who be able to contribute to their plans within their budget and get better care and have relationships with their health care professionals. They would be cared for instead of treated in an emergency situation.

Bill from Winthrop for DH's visit=$3,790. Included everything but the $150 co=pay. He was there for 6 hours.

Doc visit would have been a $30 co-pay. Doc would have billed about $150 and the meds would have been about $200. Net cost $380. Ten times less.

Posted 11/9/09 10:48 AM
 

annoyedTTCer
LIF Adult

Member since 4/09

3272 total posts

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Re: Healthcare Reform Passes the House

If Obama wants a second term he should postpone his focus on health care and start focusing on unemployment issue. All the polls on electin day showed Americans care about the ecnomy over health care by a 3:1 margin!

We are over 10% (true measure is closer to 17%) and a lot of expects expect us to max out over 11% (with true umemployment rate being closer to 25%).

Projections for getting under 8% are 2012/2013.

We are sitting in the eye of the storm, the economy will get worse before it gets better and that should be the focus of our government.

Posted 11/9/09 11:02 AM
 

Xelindrya
Mommy's little YouTube Star!

Member since 8/05

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Name:
Veronica

Re: Healthcare Reform Passes the House

Posted by BunnyWife

Posted by Xelindrya



I'm just 'not ok' with paying for insurance for others by taking from my own. This isnt a communist country, it *IS* a capitalist society. I'm not ashamed of that. I worked hard to get what little I have. I will not apologize for wanting to keep it.




We are not a purely capitalist society. As much as some people would like to believe that, we aren't. There would be no medicaid, medicare, family health plus, healthy NY and the like, funding for the arts, schools, hospitals, fire departments, public libraries, air traffic control system, highways, parks, police, unemployment insurance......I could go on but I won't. It's not black and white. It's not that the country is either a socialist (which is very different the Communist) or capitalist, it's a bit of both as most countries in the world are.



Ok.. I'll concede that.

Posted 11/9/09 11:04 AM
 

annoyedTTCer
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Member since 4/09

3272 total posts

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Re: Healthcare Reform Passes the House

Posted by Blu-ize

Where does it say that our taxes will increase. I think if you look at what we won't be paying for anymore you will see that we will be paying less.

If we go on this way with no reform our taxes will increase. We cannot afford to go on this way.

The use of ERs is not a cost effective way to pay for healthcare. The costs are staggering. We pay for that now. ERs can't handle the load either.

DH went to the ER in June for Shingles because our doc wanted an Infectious disease doc to see him to make sure of the diagnosis.

No less than 5 doctors and 5 nurses along with 3-4 administrator type people "saw" him. How efficient is that????

Unfortunately that was an emergency situation that could not have been avoided with preventative doc visits but people use the ER that don't have coverage because hospitals cannot turn people away. Doctors can.

If everyone was insured, they would go to doctors. The bill rate would be so much lower and cost less and people who be able to contribute to their plans within their budget and get better care and have relationships with their health care professionals. They would be cared for instead of treated in an emergency situation.

Bill from Winthrop for DH's visit=$3,790. Included everything but the $150 co=pay. He was there for 6 hours.

Doc visit would have been a $30 co-pay. Doc would have billed about $150 and the meds would have been about $200. Net cost $380. Ten times less.




Most reports from the GAO show these plans costing the government more than is made up in their cost cutting schemes.

Our deficint is so out of control our only option is to raise taxes just to service our debt.


Posted 11/9/09 11:05 AM
 

Xelindrya
Mommy's little YouTube Star!

Member since 8/05

14470 total posts

Name:
Veronica

Re: Healthcare Reform Passes the House

Posted by annoyedTTCer

If Obama wants a second term he should postpone his focus on health care and start focusing on unemployment issue. All the polls on electin day showed Americans care about the ecnomy over health care by a 3:1 margin!

We are over 10% (true measure is closer to 17%) and a lot of expects expect us to max out over 11% (with true umemployment rate being closer to 25%).

Projections for getting under 8% are 2012/2013.

We are sitting in the eye of the storm, the economy will get worse before it gets better and that should be the focus of our government.




Good Point.

Posted 11/9/09 11:05 AM
 

annoyedTTCer
LIF Adult

Member since 4/09

3272 total posts

Name:

Re: Healthcare Reform Passes the House

Posted by BunnyWife

I don't understand why this is an argument? We have spent almost a trillion dollars, yes, a TRILLION dollars on the wars in Afghanistan and Iraq. Why aren't people getting up in arms about that? Think of how many people we could have covered with that money?



I see anti-war protestors every wek in NCY and in the malls of LI

People have been calling our withdrawl from both fronts since day one. Hell Obama's win can be partly attributed to his promises to wrap things up over there asap.

To say there is no protest over those wars is silly

Posted 11/9/09 11:08 AM
 

HeathKernandez
Our Ron is an awesome Ron

Member since 4/07

9091 total posts

Name:
baby fish mouth

Re: Healthcare Reform Passes the House

Posted by Xelindrya

I see a lot here who are "ok with it" to pay for this program. Really?

Wow.

I'm sorry.




don't be sorry. I absolutely love being empathic towards those less fortunate than me.

Posted 11/9/09 11:11 AM
 

Xelindrya
Mommy's little YouTube Star!

Member since 8/05

14470 total posts

Name:
Veronica

Re: Healthcare Reform Passes the House

Posted by Porrruss

I've read the bill and a few "Cliffs Notes" versions over the past few weeks and perhaps I've missed it but can someone show me exactly where it states this is going to cost those who have private health insurance more money or lessen the amount of coverage they receive? Is this just an assumption people are making or has it been outlined? I'm seeing there will be a tax for those who elect to not take part in the plan (or any plan), but not seeing where it will financially affect those with private care through their employer.



This is an educated guess based on how the healthcare program works as well as how insurance works. Insurance is based on the law of large numbers. Easiest way to explain is a car. If you insured all drivers equally at the same coverage regardless of age (health qualifications) or driving records (pre-existing conditions) then rates would be forced to increase. Why? Because insurance in a very basic term gathers a ‘pool’ of risk or individuals and calculates what the estimated total losses will be for that group then allocates the premium to cover those losses among the group. So 10 cars, one will total for $25,000, each is in for $2,500 even if some cars are worth 50,000 and some worth 5,000. This bill so-called levels the playing field. Each carrier MUST insure everyone at the same cost regardless. Well that’s fine but how do those claims get paid. Since you can no longer charge more for those who you KNOW will have higher costs, everyone else must share the costs instead.

Posted by Porrruss
As for getting hit doubly because your spouse elects to have no insurance at his job, you are mistaken. As long as acceptable insurance is provided by the spouse, then he is fine.



Yes and no. Yes he won’t HAVE to pick up insurance. No, because his company MUST now offer it. They can not just say “we’ll pick it up if we need it” they must keep it in place always. What if I get laid off or die or something drastic. They can’t tell him “We’ll get to you with our options as soon as we find some.” To keep a quote in place or to secure a carrier in the likelihood they may need it cost money.

Posted by Porrruss
I understand that change is scary- but really, this current system is so incredibly broken the way it is. Has anyone here actually read the bill, or are you listening to bloggers and biased sources?



I agree. 100% with you. The current system is broken and needs change. Yes, I have read the hundreds of pages. I’ll say this. It’s a good concept but its like having a 5th grader solve a budgeting problem without him understanding the effects. Also.. the House Bill at least had TORT REFORM included. I think this is AWESOME. Malpractice suits have caused doctors to cover their butts so bad that it costs us MILLIONS in visits to be triple, quadruple sure that that cold really is just a cold.

Posted by Porrruss
After reading the bill, I am concerned about changes (because change is scary) but don't see the need for people to feel like we're going to hell in an uninsured handbasket. Chat Icon



LOVE it! “uninsured handbasket”
Chat Icon Chat Icon Chat Icon

Posted 11/9/09 11:16 AM
 
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