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President Obama Outlines Benefits of Health Reform to Take Effect This Year

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bigtree Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:22 AM
Original message
President Obama Outlines Benefits of Health Reform to Take Effect This Year
January 09, 2010

Weekly Address: President Obama Outlines Benefits of Health Reform to Take Effect This Year


{snip} . . . We’re fixing our broken health insurance system that’s crushing families, eating away at workers’ take-home pay, and nailing small businesses with double-digit premium increases.

And that’s what I’d like to focus on for a minute. After a long and thorough debate, we are on the verge of passing health insurance reform that will finally offer Americans the security of knowing they’ll have quality, affordable health care whether they lose their job, change jobs, move, or get sick. The worst practices of the insurance industry will be banned forever. And costs will finally come down for families, businesses, and our government.

Now, it’ll take a few years to fully implement these reforms in a responsible way. But what every American should know is that once I sign health insurance reform into law, there are dozens of protections and benefits that will take effect this year.

Uninsured Americans with a pre-existing illness or condition will finally be able to purchase coverage they can afford.

Children with pre-existing conditions will no longer be refused coverage, and young adults will be able to stay on their parents’ policy until they’re 26 or 27 years old.

Small business owners who can’t afford to cover their employees will be immediately offered tax credits to purchase coverage.

Early retirees who receive coverage from their employers will see their coverage protected and their premiums go down.

Seniors who fall into the coverage gap known as the donut hole will receive discounts of up to 50 percent on their prescriptions as we begin to close that gap altogether.

And every patient’s choice of doctor will be protected, along with access to emergency care.

Here’s what else will happen within the first year. Insurance plans will be required to offer free preventive care to their customers – so that we can start catching preventable illnesses and diseases on the front end. They’ll no longer be allowed to impose restrictive annual limits on the amount of coverage you receive or lifetime limits on the amount of benefits you receive. They’ll be prohibited from dropping your coverage when you get sick and need it most. And there will be a new, independent appeals process for anyone who feels they were unfairly denied a claim by their insurance company.

In short, once I sign health insurance reform into law, doctors and patients will have more control over their health care decisions, and insurance company bureaucrats will have less. All told, these changes represent the most sweeping reforms and toughest restrictions on insurance companies that this country has ever known. That’s how we’ll make 2010 a healthier and more secure year for every American – for those who have health insurance, and those who don’t.

We enter a new decade, now, with new perils – but we’re going to meet them. It’s also a time of tremendous promise – and we’re going to seize it. We will rebuild the American Dream for our middle class and put the American economy on a stronger footing for the future. And this year, I am as hopeful and as confident as ever that we’re going to rise to this moment the same way that generations of Americans always have: as one nation, and one people. Thanks for listening.


transcript and video: http://www.whitehouse.gov/briefing-room/weekly-address
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seeinfweggos Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:25 AM
Response to Original message
1. we are actually on the verge of imperfect but REAL reform
despite the nay saying
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fascisthunter Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:39 AM
Response to Reply #1
5. lol
yay
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Toots Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:26 AM
Response to Original message
2. Insurance plans will be required to offer free preventive care to their customers
This one thing alone will make it almost worth the wait. Preventative maintenance is mandatory for any successful business and it should be for the same for the american people
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 12:36 PM
Response to Reply #2
15. really?
I have insurance through my job. I have not been able to see a dentist in over 5 years, due to the out of pocket cost. I never in a million years thought that this bill would help me at all.
You say that this bill will require "free preventive care". So now I can see my pcp for free instead of paying $20.oo co-pay? That is good for me and I am surprised that the bill covers this.
Does it cover preventive dental care?
thanks for the info..
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Name removed Donating Member (0 posts) Send PM | Profile | Ignore Sat Jan-09-10 11:27 AM
Response to Original message
3. Deleted message
Message removed by moderator. Click here to review the message board rules.
 
bigtree Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:40 AM
Response to Reply #3
6. heh
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laughingliberal Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:43 AM
Response to Reply #6
8. Funny if not so true! Lol! nt
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 12:37 PM
Response to Reply #6
16. God bless Toles!
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MiniMe Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:38 AM
Response to Original message
4. But do they have regulators in place to make sure the insurance companies are
actually doing what is in the bill?
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EFerrari Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:41 AM
Response to Reply #4
7. And will tax credits actually help small business owners
who have to pay out of pocket?

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bigtree Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:48 AM
Response to Reply #7
9. good point
although . . .

The Senate would exempt companies with fewer than 50 workers from having to offer insurance. The House excuses companies with annual payrolls of less than $500,000; firms that are bigger would pay a fee equivalent to a portion of their payroll costs if they don't offer insurance. That payment would rise to 8 percent of payroll for the largest firms.

If your firm has no more than 25 employees, it might be eligible for tax credits as high as 50 percent of premium costs under both bills. The full credits are for the smallest firms with low-wage workers; they shrink as the size of your company and your work force's earnings rise.

http://www.newsobserver.com/news/nation_world/story/256278.html
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RagAss Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 12:40 PM
Response to Reply #4
17. Regulators? You'll need Mussolini's Brown Shirts !
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laughingliberal Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:50 AM
Response to Original message
10. Note the weaseling in the following statement:
They’ll no longer be allowed to impose restrictive annual limits on the amount of coverage you receive or lifetime limits on the amount of benefits you receive. They’ll be prohibited from dropping your coverage when you get sick and need it most.

Not the 1st sentence. Did they remove the loophole forbidding annual limits? Define restrictive.
Note the second sentence: Rescissions are still allowed for cases of 'fruad' which was always the reason given for rescinding policies.
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bigtree Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 12:04 PM
Response to Reply #10
12. let me try on the loophole and you tell me what you think
from David Dayen at FDL: http://news.firedoglake.com/2009/12/19/annual-limits-loophole-closed-mostly/


Saturday December 19, 2009

A pernicious loophole that would have allowed insurance companies to set “reasonable” annual limits on individual expenditures has been removed from the Senate health care bill in the manager’s amendment.

The word “unreasonable” has been dropped from the language, although there are differences between the limits in the period before the exchanges start (2010-2014) and after.

(a) Sec. 2711. No lifetime or annual limits. Prohibits all plans from establishing lifetime limits, and annual limits beginning in 2014, on the dollar value of benefits. Prior to 2014, plans may not have lifetime limits and may only establish restricted annual limits, as defined by the Secretary of Health and Human Services (HHS), on the dollar value of benefits with respect to the essential health benefits under section 1302(b). In restricting annual limits, the provision requires the Secretary to ensure access to needed services with minimal impact on premiums.

As you can see, the Health and Human Services Secretary is given authority to adjudicate annual limits in the 2010-14 period, and HHS is given broad guidelines (”ensure access to needed services with minimal impact on premiums”) to undergo that adjudication. After 2014 the practice of annual limits is banned completely.

The 2010-2014 period is another example of HHS being given tremendous powers in this bill, but in a general sense, this is a victory for those activists who were outraged at the loophole on annual limits that came out of Sen. Reid’s merged bill.


http://news.firedoglake.com/2009/12/19/annual-limits-loophole-closed-mostly/
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Peace Patriot Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 02:44 PM
Response to Reply #12
19. The fundamental flaw in this provision, as in the entire plan, is that Insurance corps have
scads and scads of highly paid lawyers and lobbyists to bend and contort everything back toward their profits and away from the good of individuals and the country. Imagine Diebold & brethren tossing Obama out in 2012 and installing Sarah Palin or Jim DeMint or John McCain (if he should remain fit enough via his senate health care plan to be installed in the White House). How quickly would the provisions of this bill fall to pieces under their 'tender loving care' and be dismantled? Individual patients have little enough chance against such lawyers and lobbyists with Obama running the government, and no chance if Pukes are running the government. And the country has no chance of retaining the provisions of even this sorry-ass bill with Pukes in power. How fast did George Bush, Dick Cheney and Donald Rumsfeld dismantle the Constitution? Less than a year, as I recall.

It is also too complicated, as with the tax code, and the insurance corps have scads and scads of well-paid analysts and accountants, on top of their highly paid lawyers and lobbyists, to exploit every complication, while the rest of us--including the sick and the elderly and the poorly educated and workers and parents with no time--are mindboggled with bureaucratic fine print just trying to obtain bottom-line health care. Ever try to negotiate the Medicare drug nightmare? This is the same.

We needed something simpler and more solid, which either evicted insurance corps from the health care system or severely curtailed their power, as well as the power of the drug corps and others who make big profits from illness. We needed a simple, straightforward, progressive tax, like Social Security and basic Medicare. You pay into it according to your ability to pay; the fund covers your basic health care needs in a cost-controlled system.

This bill will not likely even have a public option to create true competition on costs--and the inflated cost of medical care for profit is likely where this bill's system will break down under the pressure of highly paid lawyers, lobbyists, analysts and accountants.

As FDR said, "Organized money hates me--and I welcome their hatred." We needed a system that "organized money" hates, because that is the only kind of system that will work to provide health care for all at a reasonable cost.

I applaud provisions such as the one that tries to stop the insurance corps from dumping a customer when he or she gets sick. But how long is that provision going to last under industry assault? They have the lawyers; you don't. Put a Puke or a "Blue Dog" in the arbitrator's chair and you have no chance at all. You have little enough chance with a real Democrat, and you can be sure that, as that system is set up, it is inherently going to disfavor dumped customers because we have too few advocates with too little power and the insurance corps have many--entire law firms that run Washington DC.

Consider this analogy. Why is it that, when an ordinary citizen consults a secretary of state's web site, or seeks information about voting systems in other forms--say, attending hearings--unless you are a computer expert savvy in the alphabet soup of corporate "provider" hardware and software, you have no idea what they are talking about? And, further, if you were to seek review of the programming code that runs these machines--say, you hired your own computer expert to review it for you--you would be told that it is a "TRADE SECRET" and you have no right whatsoever to see the code by which your vote is counted.

I have actually seen an interview of the county registrar of a large jurisdiction in which the registrar accuses an inquiring citizen (a computer expert) of not being a "professional." I believe that what she meant was that the citizen computer expert was not one of the elite, inner circle of private corporate owners and technicians and their hired hands in government who are privy to the SECRETS of vote counting. Even someone who knows the language is barred. As for your average voter--your grandmother, your dad, Joe Blow at the office, the people who collect your garbage or roof your house, or, indeed, professionals in other fields (doctors, nurses, accountants, English teachers)--we all have no clue, any more, as to how our votes are counted and are barred by law from knowing.

What's wrong with this picture?

That's what private corporations do to "the commons." They make it possible for them to easily negotiate the complications of modern life, and no one else, and they up the ante of complication as a method of exclusion. They introduce of culture of secrecy into "the commons," as further exclusion. And on top of all that they charge us taxpayers a lot of money for the very privatization of everything that benefits the rich. Electronic vote counting, with its constant need for upgrades and maintenance, run by private corporations on their 'TRADE SECRET' code, is the most costly way to perform this relatively simple task, as well as the least secure. That the task is the most essential, bottom-line requirement of democracy--the counting of our votes, to determine the "will of the people"--makes this over-complication and obscurity even worse.

Vote counting is something that everybody should be able to see and understand. It should not be complicated and obscure. And God knows it should never contain 'TRADE SECRETS.'

A government health care program that seeks to have medical care available to all citizens should be simple, straightforward and fair. The fact that it is not going to be is probably fatal. It is set up to fail, because it was set up largely by the very profiteers who have caused the medical care crisis.**

The program needed to create a solid foundation in public service--not a bunch of private parties running around, each trying to chip off the juiciest morsels, each trying to sabotage the rules, each with batteries of lawyers and lobbyists trying to screw each other as well as the victims--the "consumers," te patients--with the goal of profiteering on every level, with every product, and with the death of sick people still being the preferred outcome (if the truth were known) to insurers, and decisions continuing to be made on the basis of cost and not on the basis of medical ethics. Such a system inherently attracts vultures--as our current system has--and vultures swallow each other up, creating monopolistic vultures with too much power.

Our nation's voting system is now run by a handful of rightwing-connected, private corporations--with one of them, the worst of the lot, the one with the most extremist rightwing connections--ES&S (which just bought out Diebold-Premier)--now controlling 70% of the U.S. vote counting 'market.'**

I am not kidding when I say that Sarah Palin or Jim DeMint or John McCain can easily--EASILY!--be Diebolded into office in 2012. Then what happens to your health insurance? How fast would they fuck up this complicated, big business-friendly program? How fast would they dismantle any provisions that protect the "customer" (the sick person, the patient)?

Like our voting system, our health care system is now in the hands of very rich people who truly mean us ill. And all I can say is, "Look out!" They have all the lawyers, lobbyists, analysts, accountants and P.R. propagandists, and we have almost no one on our side in the halls of power. They will loot us again on health care--as they have on anything else you can name: privatization of war, privatization of energy, banksterism/bailouts, the S&L lootings, privatization of prisons, privatization of "the war on drugs," private monopolistic control of the public airwaves, filthy amounts of private money in political campaigns (which almost all goes to the corpo-fascist 'news' media), privatization of the CIA, privatization of many aspects of education (with jacked up costs--always)--all manner of privatization, along with starvation of public services for corporation invasion of anything left of our "commons."

We needed to establish our "commons" on health care. We were prevented from doing so. And we will pay dearly for it. And I think that this failure is related to the loss of our 'commons" in the most critically important system of all: vote counting.

--------------------------------------


**(See Dan Rather's "The Trouble With Touchscreens," www.HD.net. The program has a section on who fucked up the punchcard ballots in Florida 2000, that was then followed by the "fix" of this "broken" system--the Anthrax Congress creating the $3.9 billion e-voting boondoggle, by which the 'TRADE SECRET' voting machines were fast-tracked all over the country, during the 2002 to 2004 period. The same corps who caused the fuckup in Florida then benefited from the e-voting boondoggle in more ways than profit--they gained 'TRADE SECRET' control of the whole system.)
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clear eye Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jan-10-10 04:54 AM
Response to Reply #10
21. But they don't forbid denying any particular treatment
and insurers have been great at calling life-saving expensive treatments "experimental" or "elective". So you keep your "coverage" for what it's worth as you die. The safety is supposed to be that you can "appeal" a denial...if you live so long.
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Obamanaut Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 11:55 AM
Response to Original message
11. Is a bill ready for a signature? There are several "...once I sign ...
into law..." statements in the address. Is this a foregone conclusion?
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Moosepoop Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 12:24 PM
Response to Reply #11
13. Here's how I read it...
He starts his remarks on insurance reform with the phrase "we are on the verge of passing health insurance reform that will finally" do A,B,&C. He ends with "I am as hopeful and as confident as ever that we’re going to rise to this moment..."

In between are the "once I sign it" statements.

My take is that he's acknowledging that the bill still has to be passed and sent to his desk, but he's hopeful and confident that it will, and I'm guessing that the provisions he laid out as facts are points that are no longer in dispute between the two Houses, and therefore will be in whatever legislation get passed (assuming it ultimately does).
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Obamanaut Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 01:47 PM
Response to Reply #13
18. Thanks. That was helpful for me. nt
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 12:32 PM
Response to Original message
14. So my employer provided health insurance will still be too expensive
to utilize..

Horray for everything..
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bigtree Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jan-09-10 06:53 PM
Response to Original message
20. kick
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