The phrase "those with pre-existing conditions cannot be excluded from coverage" says and does

[T Wolf]

NOTHING about how much the insurance corps will charge people in those categories. The buy-in (premium) my be regulated but there has been nothing that says that the corporations cannot deny to pay for any procedure or med or anything that they do not want to.

People will be "covered" meaning they will have a policy. But we will still have to pay out-of-pocket for care that should be paid for by the policy but is denied by the company.

[Schema Thing]

1. oh jesus

because Obama is really, really dumb?

[FreakinDJ]

2. READ the BILL

America's Affordable Health Choices Act of 2009

(Introduced in House)

SEC. 122. ESSENTIAL BENEFITS PACKAGE DEFINED.

(a) In General- In this division, the term `essential benefits package' means health benefits coverage, consistent with standards adopted under section 124 to ensure the provision of quality health care and financial security, that--

(1) provides payment for the items and services described in subsection (b) in accordance with generally accepted standards of medical or other appropriate clinical or professional practice;

(2) limits cost-sharing for such covered health care items and services in accordance with such benefit standards, consistent with subsection (c);

(3) does not impose any annual or lifetime limit on the coverage of covered health care items and services;

(4) complies with section 115(a) (relating to network adequacy); and

(5) is equivalent, as certified by Office of the Actuary of the Centers for Medicare & Medicaid Services, to the average prevailing employer-sponsored coverage.

http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.3200:">HR 3200

[Tansy_Gold]

4. Link don't work n/t

[FreakinDJ]

7. LINK FIXED

http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.3200:">HR 3200

Sorry it won't let you post links to Subsections

[Tansy_Gold]

3. OMG -- another "Obama basher"

And one with whom I agree completely!

:hi: and :hug:



Tansy Gold, who isn't alone

[stray cat]

5. Actually look at the bills proposed and do a little homework

they are not allowed to charge extra to different groups in most bills and regulation will ensure payment where applicable.

[TheDebbieDee]

6. I also specifically remember him saying last night that

people with pre-existing conditions couldn't/wouldn't be charged higher premiums for their coverage.

He also said sick people couldn't have their coverage revoked after falling ill.

[FreakinDJ]

8. You mean Subtitle B / SEC. 111 of HR3200

Subtitle B--Standards Guaranteeing Access to Affordable Coverage

SEC. 111. PROHIBITING PRE-EXISTING CONDITION EXCLUSIONS.

A qualified health benefits plan may not impose any pre-existing condition exclusion (as defined in section 2701(b)(1)(A) of the Public Health Service Act) or otherwise impose any limit or condition on the coverage under the plan with respect to an individual or dependent based on any health status-related factors (as defined in section 2791(d)(9) of the Public Health Service Act) in relation to the individual or dependent.

[T Wolf]

9. Premiums may not be higher, but the out-of-pocket expenses are guaranteed to be.

The corps can still deny anything in particular they want, for any reason.

Perhaps if the bill said explicitly that all physician-recommended care will be fully paid for would eliminate the ability for denial of coverage. But that is nowhere.

So, for those still believing that the President has a worthwhile goal in mind and defend his caving to corporate power...

they will be forced to let everyone in the door for the same admission price, but they can still say you have to pay (a lot) extra for anything they feel like denying.

The same thing applies to revoking "coverage". Coverage in their universe refers to having a "contract" with the corporation - in mine, it refers to having the care I want paid for. What good is a policy if you have to pay for everything out of pocket, after paying their extortion-level premium?

[FreakinDJ]

10. AGAIN - Read the Bill

There are Caps on Out of Pocket Expenses

Any way - Try having a 80 / 20% Co-pay plan and have an emergency surgery - a Guaranteed Bankruptcy