5 key freedoms you will lose in Health Care Reform - DFWstangs Forums
 
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post #1 of 8 (permalink) Old 07-25-2009, 09:10 PM Thread Starter
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5 key freedoms you will lose in Health Care Reform

If you're in a good mood and don't want to ruin it, stop reading and go somewhere else.


http://money.cnn.com/2009/07/24/news...ion=2009072410


Here is a list of the freedoms you lose:

1. Freedom to choose what's in your plan
Quote:
The bills in both houses require that Americans purchase insurance through "qualified" plans offered by health-care "exchanges" that would be set up in each state. The rub is that the plans can't really compete based on what they offer. The reason: The federal government will impose a minimum list of benefits that each plan is required to offer.

Today, many states require these "standard benefits packages" -- and they're a major cause for the rise in health-care costs. Every group, from chiropractors to alcohol-abuse counselors, do lobbying to get included. Connecticut, for example, requires reimbursement for hair transplants, hearing aids, and in vitro fertilization.

The Senate bill would require coverage for prescription drugs, mental-health benefits, and substance-abuse services. It also requires policies to insure "children" until the age of 26. That's just the starting list. The bills would allow the Department of Health and Human Services to add to the list of required benefits, based on recommendations from a committee of experts. Americans, therefore, wouldn't even know what's in their plans and what they're required to pay for, directly or indirectly, until after the bills become law.
2. Freedom to be rewarded for healthy living, or pay your real costs

Quote:
As with the previous example, the Obama plan enshrines into federal law one of the worst features of state legislation: community rating. Eleven states, ranging from New York to Oregon, have some form of community rating. In its purest form, community rating requires that all patients pay the same rates for their level of coverage regardless of their age or medical condition.

Americans with pre-existing conditions need subsidies under any plan, but community rating is a dubious way to bring fairness to health care. The reason is twofold: First, it forces young people, who typically have lower incomes than older workers, to pay far more than their actual cost, and gives older workers, who can afford to pay more, a big discount. The state laws gouging the young are a major reason so many of them have joined the ranks of uninsured.

Under the Senate plan, insurers would be barred from charging any more than twice as much for one patient vs. any other patient with the same coverage. So if a 20-year-old who costs just $800 a year to insure is forced to pay $2,500, a 62-year-old who costs $7,500 would pay no more than $5,000.

Second, the bills would ban insurers from charging differing premiums based on the health of their customers. Again, that's understandable for folks with diabetes or cancer. But the bills would bar rewarding people who pursue a healthy lifestyle of exercise or a cholesterol-conscious diet. That's hardly a formula for lower costs. It's as if car insurers had to charge the same rates to safe drivers as to chronic speeders with a history of accidents.
3. Freedom to choose high-deductible coverage

Quote:
The bills threaten to eliminate the one part of the market truly driven by consumers spending their own money. That's what makes a market, and health care needs more of it, not less.

Hundreds of companies now offer Health Savings Accounts to about 5 million employees. Those workers deposit tax-free money in the accounts and get a matching contribution from their employer. They can use the funds to buy a high-deductible plan -- say for major medical costs over $12,000. Preventive care is reimbursed, but patients pay all other routine doctor visits and tests with their own money from the HSA account. As a result, HSA users are far more cost-conscious than customers who are reimbursed for the majority of their care.

The bills seriously endanger the trend toward consumer-driven care in general. By requiring minimum packages, they would prevent patients from choosing stripped-down plans that cover only major medical expenses. "The government could set extremely low deductibles that would eliminate HSAs," says John Goodman of the National Center for Policy Analysis, a free-market research group. "And they could do it after the bills are passed."
4. Freedom to keep your existing plan

Quote:
This is the freedom that the President keeps emphasizing. Yet the bills appear to say otherwise. It's worth diving into the weeds -- the territory where most pundits and politicians don't seem to have ventured.

The legislation divides the insured into two main groups, and those two groups are treated differently with respect to their current plans. The first are employees covered by the Employee Retirement Security Act of 1974. ERISA regulates companies that are self-insured, meaning they pay claims out of their cash flow, and don't have real insurance. Those are the GEs (GE, Fortune 500) and Time Warners (TWX, Fortune 500) and most other big companies.

The House bill states that employees covered by ERISA plans are "grandfathered." Under ERISA, the plans can do pretty much what they want -- they're exempt from standard packages and community rating and can reward employees for healthy lifestyles even in restrictive states.

But read on.

The bill gives ERISA employers a five-year grace period when they can keep offering plans free from the restrictions of the "qualified" policies offered on the exchanges. But after five years, they would have to offer only approved plans, with the myriad rules we've already discussed. So for Americans in large corporations, "keeping your own plan" has a strict deadline. In five years, like it or not, you'll get dumped into the exchange. As we'll see, it could happen a lot earlier.

The outlook is worse for the second group. It encompasses employees who aren't under ERISA but get actual insurance either on their own or through small businesses. After the legislation passes, all insurers that offer a wide range of plans to these employees will be forced to offer only "qualified" plans to new customers, via the exchanges.

The employees who got their coverage before the law goes into effect can keep their plans, but once again, there's a catch. If the plan changes in any way -- by altering co-pays, deductibles, or even switching coverage for this or that drug -- the employee must drop out and shop through the exchange. Since these plans generally change their policies every year, it's likely that millions of employees will lose their plans in 12 months.
5. Freedom to choose your doctors

Quote:
The Senate bill requires that Americans buying through the exchanges -- and as we've seen, that will soon be most Americans -- must get their care through something called "medical home." Medical home is similar to an HMO. You're assigned a primary care doctor, and the doctor controls your access to specialists. The primary care physicians will decide which services, like MRIs and other diagnostic scans, are best for you, and will decide when you really need to see a cardiologists or orthopedists.

Under the proposals, the gatekeepers would theoretically guide patients to tests and treatments that have proved most cost-effective. The danger is that doctors will be financially rewarded for denying care, as were HMO physicians more than a decade ago. It was consumer outrage over despotic gatekeepers that made the HMOs so unpopular, and killed what was billed as the solution to America's health-care cost explosion.

The bills do not specifically rule out fee-for-service plans as options to be offered through the exchanges. But remember, those plans -- if they exist -- would be barred from charging sick or elderly patients more than young and healthy ones. So patients would be inclined to game the system, staying in the HMO while they're healthy and switching to fee-for-service when they become seriously ill. "That would kill fee-for-service in a hurry," says Goodman.

In reality, the flexible, employer-based plans that now dominate the landscape, and that Americans so cherish, could disappear far faster than the 5 year "grace period" that's barely being discussed.

Companies would have the option of paying an 8% payroll tax into a fund that pays for coverage for Americans who aren't covered by their employers. It won't happen right away -- large companies must wait a couple of years before they opt out. But it will happen, since it's likely that the tax will rise a lot more slowly than corporate health-care costs, especially since they'll be lobbying Washington to keep the tax under control in the righteous name of job creation.

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post #2 of 8 (permalink) Old 07-25-2009, 09:12 PM
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Nice thread, quite informative.

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post #3 of 8 (permalink) Old 07-25-2009, 09:25 PM
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And that is why the Obama Administration does not want to wait to pass it. If people read it, they will reject it.
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post #4 of 8 (permalink) Old 07-25-2009, 09:34 PM
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The end is near

Wake up people it's time!!!

Our government needs our help, they have an addiction. Our government is addicted to our money. Since they always have our best interest at heart it's time we return the favor. We need to have an intervention, for the governments own good of course. It's just irresponsible for us to let people with a known money addiction continue to handle our money. Lets have an intervention now so we can help these sick individuals.
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post #5 of 8 (permalink) Old 07-25-2009, 09:53 PM
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Exclamation I'll add to it if I may.

Pg 22 of the HC Bill
MANDATES the Govt will audit books of ALL EMPLOYERS that self insure!!
Pg 30 Sec 123
THERE WILL BE A GOVT COMMITTEE that decides what treatments/benes u get
Pg 29 lines 4-16
YOUR HEALTHCARE IS RATIONED!!!
Pg 42
The Health Choices Commissioner will choose UR HC Benefits 4 you. U have no choice!
PG 50 Section 152
HC will be provided 2 ALL non US citizens, illegal or otherwise
Pg 58
Govt will have real-time access 2 individs finances & a National ID Healthcard will b issued!
Pg 59 lines 21-24
Govt will have direct access 2 ur banks accts 4 elect. funds transfer
PG 65 Sec 164
Is a payoff subsidized plan 4 retirees and their families in Unions & community orgs (ACORN).
Pg 72 Lines 8-14
Govt is creating an HC Exchange 2 bring priv HC plans under Govt control.
PG 84 Sec 203
Govt mandates ALL benefit pkgs 4 priv. HC plans in the Exchange
PG 85 Line 7
Specs for of Benefit Levels for Plans = The Govt will ration ur Healthcare!
PG 91 Lines 4-7
Govt mandates linguistic approp svcs. Example - Translation 4 illegal aliens
Pg 95 Lines 8-18
The Govt will use groups i.e., ACORN & Americorps 2 sign up indiv. for Govt HC plan
PG 85 Line 7
Specs of Ben Levels 4 Plans. #AARP members - U Health care WILL b rationed
PG 102 Lines 12-18
Medicaid Eligible Indiv. will b automat.enrolled in Medicaid. No choice
PG 124 lines 24-25
No company can sue GOVT on price fixing. No “judicial review” against Govt Monop
PG 127 Lines 1-16
Doctors/ #AMA - The Govt will tell YOU what u can make.
Pg 145 Line 15-17
An Employer MUST auto enroll employees into pub opt plan. NO CHOICE
Pg 126 Lines 22-25
Employers MUST pay 4 HC 4 part time employees AND their families.
Pg 149 Lines 16-24
ANY Emplyr w payroll 400k & above who does not prov. pub opt. pays 8% tax on all payroll
PG 150 Lines 9-13
Biz w payroll btw 251k & 400k who doesnt prov. pub. opt pays 2-6% tax on all payroll
Pg 167 Lines 18-23
ANY individual who doesnt have acceptable HC accrdng 2 Govt will be taxed 2.5% of inc
Pg 170 Lines 1-3
Any NONRESIDENT Alien is exempt from indiv. taxes. (Americans will pay)
Pg 195
Officers & employees of HC Admin (GOVT) will have access 2 ALL Americans finan/pers recs
PG 203 Line 14-15
“The tax imposed under this section shall not be treated as tax” Yes, it says that
Pg 239 Line 14-24
Govt will reduce physician svcs 4 Medicaid. Seniors, low income, poor affected
Pg 241 Line 6-8
Doctors, doesnt matter what specialty u have, you’ll all be paid the same
PG 253 Line 10-18
Govt sets value of Dr’s time, prof judg, etc. Literally value of humans.
PG 265 Sec 1131
Govt mandates & controls productivity for private HC industries
PG 268 Sec 1141
Fed Govt regulates rental & purchase of power driven wheelchairs
PG 272 SEC. 1145.
TREATMENT OF CERTAIN CANCER HOSPITALS - Cancer patients - welcome to rationing!
PG 280 Sec 1151
The Govt will penalize hospitals 4 what Govt deems preventable readmissions.
PG 298 Lines 9-11
Drs, treat a patient during initial admiss that results in a readmiss-Govt will penalize u.
PG317 L 13-20
OMG!! PROHIBITION on ownership/investment. Govt tells Drs. what/how much they can own.
PG 317-318 lines 21-25,1-3
PROHIBITION on expansion- Govt is mandating hospitals cannot expand
PG 321 2-13
Hospitals have oppt to apply for exception BUT community input required. Can u say ACORN?!!
PG 335 L 16-25 Pg 336-339
Govt mandates estab. of outcome based measures. HC the way they want. Rationing
PG 341 Lines 3-9
Govt has authority 2 disqual Medicare Adv Plans, HMOs, etc. Forcing peeps in2 Govt plan
PG 354 Sec 1177
Govt will RESTRICT enrollment of Special needs ppl! WTH. My sis has down syndrome!!
Pg 379 Sec 1191
Govt creates more bureaucracy - Telehealth Advisory Cmtte. Can u say HC by phone?
PG 425 Lines 4-12
Govt mandates Advance Care Planning Consult. Think Senior Citizens end of life
Pg 425 Lines 17-19
Govt will instruct & consult regarding living wills, durable powers of atty. Mandatory!
PG 425 Lines 22-25, 426 Lines 1-3
Govt provides apprvd list of end of life resources, guiding u in death
PG 427 Lines 15-24
Govt mandates program 4 orders 4 end of life. The Govt has a say in how ur life ends
Pg 429 Lines 1-9
An “adv. care planning consult” will b used frequently as patients health deteriorates
PG 429 Lines 10-12
“adv. care consultation” may incl an ORDER 4 end of life plans. AN ORDER from GOV
Pg 429 Lines 13-25 -
The govt will specify which Doctors can write an end of life order.
PG 430 Lines 11-15
The Govt will decide what level of treatment u will have at end of life
Pg 469
Community Based Home Medical Services=Non profit orgs. Hello, ACORN Medical Svcs here!!?
Page 472 Lines 14-17
PAYMENT TO COMMUNITY-BASED ORG. 1 monthly payment 2 a community-based org. Like ACORN?
PG 489 Sec 1308
The Govt will cover Marriage & Family therapy. Which means they will insert Govt in2 ur marriage
Pg 494-498
Govt will cover Mental Health Svcs including defining, creating, rationing those svcs
Here’s the full Health Care bill that sits in the House.

Here’s the full Health Care bill that sits in the House.
http://frwebgate.access.gpo.gov/cgi-...=f:h3200ih.pdf





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post #6 of 8 (permalink) Old 07-26-2009, 06:52 PM
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They must be doing some quick revisions the link doesn't work.

Our government needs our help, they have an addiction. Our government is addicted to our money. Since they always have our best interest at heart it's time we return the favor. We need to have an intervention, for the governments own good of course. It's just irresponsible for us to let people with a known money addiction continue to handle our money. Lets have an intervention now so we can help these sick individuals.
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post #7 of 8 (permalink) Old 07-26-2009, 08:02 PM
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I can see a lot of Doctors getting out of the business.

I see long lines, and long waiting periods for anything to get done.

I see a lot of people lashing out at this one.


By the way. If you where ever wondering how to kill freedom, and bankrupt a free nation. Well boys and girls, this, and the crap and tax bill is the way to do it.



All men should know Honor first, above all else!

Honor is not holding your hand out for something you did not earn.
Honor is not forcing your ideas, or belief on others.
Honor is not something given to you by way of job, or title.

Honor is learned, earned, practiced and respected by all decent men and women.
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post #8 of 8 (permalink) Old 07-26-2009, 08:36 PM
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the thing im wondering about right now is that the medical field is hiring like crazy. People are flocking to it to escape the other job markets that have been outsourced/destroyed. Whats gonna happen when we get national healtcare and wages in the field drop to shit? I got two family members right now in school for the medical field, but will there be a market when they are ready?

I thought americans were stupid and needed to go to school and thats why they were broke.....fucking dumbasses. America needs JOBS, as many jobs as it can get and we have been doing the opposite. We now are like mexico...too many people and not enough work, means wages will go to shit and people will be out of work. Great plan but hey aleast the big corps can post big profits and talk about how successful america is.

The trouble with doing something right the first time is that nobody appreciates how difficult it was.
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