If you like your insurance and want to keep it..BS of the nth degree

[SoCalDem]

Think about it...

Let's say you are union and have a great plan..(like ours..we pay about $100 a month deducted from husband's paycheck)..

You lose your job and have to go with COBRA... "technically" it's the "same" insurance, but is it really? "YOUR" likable insurance comes with a $100 a month price tag on it..so COBRA @ $1500 a month is NOT the "same" ....or even an option for an unemployed person


or

you change jobs, due to a layoff and get hired for a lot less money at a non-union place. Just HOW on earth are you to get that new employer to pay the $$$$ for YOUR "likable" insurance, so you can keep paying $100...or ANY insurance at all, if he does not offer it to the other employers already, and is unprepared to offer any to you..?


IT'S ABOUT THE PAYING FOR IT.... NOT THE ACTUAL INSURANCE

and this sore fact is always left out of the "debate"..

Your insurance may be great and may have the BEST coverage ever..BUT if you cannot afford it, and cannot "take it with you at the same price", it's a phony premise.

a flippant comment like .."Hey, if you like your insurance, you can keep it"..is like saying "Hey, if you like that Mercedes of yours, you can keep it"..without mentioning that without a job, the repo man will be taking it back..

[Bluebear]

1. And if you have a pre-existing condition, forget about it unless you are a child.

Everyone else has to wait four years for adult pre-existing condition help. By which time you could be dead.

[Nikki Stone1]

2. Right

.

[SoCalDem]

4. It's the "Kill the Boomers" clause

Lots of Boomers are entering the danger-decade, and 4 years waiting time is a death-sentence for many of us..but all that SS money we won't be collecting if we are dead is a plus to the government types..

a win-win for them:(

[laughingliberal]

6. +1 nt

[Windy]

7. Not true. The bill provides for a fund to help pay the premiums of those with pre-existing

conditions until the provisions kick in for adults.

Please don't spread falsehoods.

[Bluebear]

15. Please cite it in the bill.

[Windy]

30. Links

http://www.whitehouse.gov/blog/2010/03/05/weekly-address-what-health-reform-will-deliver-year

Sec. 1101. Immediate access to insurance for uninsured individuals with a preexisting condition. Government is to establish an interim pool for high risk individuals soon after the passage of this bill. The management of this pool could be done by government or non-profit organizations as deemed appropriate by the Secretary. State governments if interested in managing this pool must ensure that they will not reduce their expenditure on the management of high risk individuals. Insurer must share more than 65% of the cost burden for this pool and also does not impose high out-of-pocket expense per IRS 1986 code. The premium rate for higher age people ratioed with low income people is required to be 400%. The premium shall be standard with standard population.

The high risk pool will be open to US citizens and legal residents. The bill gives HHS secretary leverage in defining “pre-existing condition”.

Bill also have provision to prevent dumping of high risk individuals by insurers.

http://blogs.biproinc.com/healthcare/?p=1848

http://seattletimes.nwsource.com/html/nationworld/2010708304_healthnow06.html

[Bluebear]

32. "soon after".."could be done"..."if interested"...

Still worrisome, no?

[Bluebear]

37. Here's a link for YOU

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x7951114

[Cleobulus]

19. So it will help with premiums, well, what about treating the preexisting condition...

will it help pay for that too?

[Bluebear]

21. Also, how much "help" will people get for their premiums? Is that specified?

[ChiciB1]

8. Plus... How MUCH MONEY Will It Cost For THAT Insurance?? The One

if you HAVE a pre-existing condition? Even AFTER four years?? Are there ANY caps or regulations here? The MORE they talk, the confusidered I get!!!

And, do we even really KNOW ALL of it yet??

I'm a'feared, I tell ya... really a'feared! But maybe it's because "they" rarely tell the whole truth, and then the truth they tell leaves more untruths untold! Or so it seems!

[quiet.american]

12. What if that weren't true? Which it's not:

Immediate Benefits
http://dpc.senate.gov/dpcdoc-sen_health_care_bill.cfm

Access to Affordable Coverage for the Uninsured with Pre-existing Conditions
The Patient Protection and Affordable Care Act will provide $5 billion in immediate federal support for a new program to provide affordable coverage to uninsured Americans with pre-existing conditions. This provision is effective 90 days after enactment, and coverage under this program will continue until new Exchanges are operational in 2014.

[Bluebear]

16. You need to cite the passage if you know it's in there.

[quiet.american]

22. No, I don't. Why can't you look it up for yourself?

The language regarding this starts on page 45 of HR 3590, the pdf of which is freely available at the link included in my earlier post. Further, the language I cited in my post comes directly from a HCR summary document located at the website of the The Democratic Policy Committee.

[Bluebear]

23. You made the assertion. Which is not correct. Only kids will benefit immediately

http://www.dems.gov/blog/the-top-ten-immediate-benefits-you-ll-get-when-health-care-reform-passes

[quiet.american]

24. You're wrong.

Edited to add:

You asserted that if you have a pre-existing condition, forget about it unless you're a kid. What Michael Moore is leaving out of his statments about this, is that there will be a subsidized high risk pool that will be established after the bill is enacted for those (not limited to children) with pre-existing conditions:

Access to Affordable Coverage for the Uninsured with Pre-existing Conditions
The Patient Protection and Affordable Care Act will provide $5 billion in immediate federal support for a new program to provide affordable coverage to uninsured Americans with pre-existing conditions. This provision is effective 90 days after enactment, and coverage under this program will continue until new Exchanges are operational in 2014.

[Bluebear]

25. And you, madame, are lying. /ignore

[quiet.american]

26. Bluebear, what is your response to the actual language I posted to support my position? nt

[RaleighNCDUer]

38. So who decides what is 'affordable coverage'?

A millionaire senator who hasn't worried about his own insurance for 20 years?

A millionaire health insurance lobbyist?

A millionaire lawyer who is tasked with being the regulator?

[slipslidingaway]

3. knr - and if you do not like your employer insurance, you are stuck. n/t

[mdmc]

5. worse.. you are fully insured yet cannot afford medical treatment

that is my boat..

[ChiciB1]

9. Off Topic... But I Have to Say This! EVERY TIME I See Those Wabbits

it cracks me up!! At least I can laugh at SOMETHING!! Been meaning to comment on this many times, so now I have!!

On the flip side, pretty sad but true!!

[SoCalDem]

10. It's my all-time favorite easter cartoon.. I drag it out every easter

Thanks for noticing:)

[ChiciB1]

11. Yes, I've Seen It Before... LOVE IT! Very Appropriate Right Now... As Before Too... n/t

[Nikki Stone1]

13. Is there a card with that on it?

My friend would love it. :D

[SoCalDem]

17. Copy paste & make one

I have Publisher..but you can probably find an online card generator & make 'em up :)

Here's a bigger version of the pic..

[Nikki Stone1]

27. LOL!!!!!

I'll give it a try.

[upi402]

14. lol

beautiful
:rofl:

[Bluebear]

33. We must have the same warped sense of humor.

Love it!

[SoCalDem]

34. My "next" one always gets me into "trouble"..but I love it

see if you can guess?
http://socaldem.smugmug.com/Other/easter/3777071_me6tg#115753654_bNgBP

[Bluebear]

35. ---

easter bunny jesus?? :) CRUCIBUNNY? LOL!

[frazzled]

18. This is getting lame

I'm getting pretty tired of all the hypothetical situations and the "what's in it for me" complaints.

If your husband loses his union job now it will be WORSE if HCR fails. There wouldn't be an exchange or subsidies or rules against denying for pre-existing conditions. You'd still have to pay the fucking $1500 for Cobra, and when that runs out, good luck finding something.

My final word directed to all the naysayers: this isn't about YOU or your particular situation. It's about everybody. And a lot of people will be better off than they are now, and certainly better off than if we do nothing and continue to let the costs rise and the insurers go totally unregulated.

These kinds of posts are starting to remind me of the old George Carlin routine about the kid who keeps posing hypothetical questions until it gets to the line "But what if you crossed the international date line!"

[Bluebear]

20. 'It's about everybody.' - that will be true when we have Universal health care or medicare buyin

for everybody.

[hfojvt]

29. the International Dateline!!!

Nobody has even mentioned that!! :wtf:

[karynnj]

28. That's not fair

The point made was that the LEGISLATION would not change your insurance.

[ljm2002]

31. Yes, total BS!

What if you don't like your insurance? -- too bad, for most of us that means we get to (have to) keep it

What if you love your Cadillac plan? -- good, now you will pay an extra tax on the excess coverage. Well, not on the excess coverage, really, but on any extra $$ that you pay for premiums over a certain amount.

What if you love your plan but the rates keep going up? -- tough, it's just the way things are. Probably your employer will have to pare down their health care plan, but that's okay, we had to find cost containment somewhere...


It's what you get when you write a 2000+ page bill designed to placate the industry you were proposing to regulate.

Oh well -- I do see that it would be political suicide not to pass the bill at this point. Problem is, it may just be political suicide to pass it. Only time will tell. I sincerely hope not, that the good within the bill outweighs the bad, and that when 2012 rolls around, enough people will have benefited that it will be something to campaign on and not run from.

[deaniac21]

36. You are so on top of the issue!