Yeah, see, that's another thing that makes me sad. There's so much more information out there about alternative candidates that I had NO FUCKING IDEA ABOUT. It's just not talked about much. Or maybe my circles are just rather closed (admittedly, almost all of my friends are liberal, probably since most of them are college friends and we went to a private school in MA...). I wish I'd known more about this before yesterday. At least I have another 4 years to educate myself. I feel better equipped for next time around. I think I was more excited to be part of the process than the actual outcome and Obama and all that. I get swept up in the propaganda (even that which is spread through my friends and not the media) pretty easily. I don't regret my vote, anyway.
Just to be clear on the Vitacost rewards, it only works if you're signing up for the first time and making a purchase. I think. Brain power is fading, so I'm not really sure about the whole process now ><
Tash, Obamacare doesn't go into effect until 2014, so if your sister is still on your parents' insurance, it is of the insurance's own doing, or the doing of the Mass insurance program.
Personally, I think it's a good deal for various reasons. Mostly b/c it regulates insurance companies and prevents them from dumping people when they get sick, prevents them from capping benefits at such a low dollar value that no one would be able to see the end of their healthcare costs, and because it makes women well-checks free. :) But, it also allows college graduates to get on their feet and land jobs before they have to worry about insurance coverage. The girl who lives across the street from me is 22. She's graduated college and works as a nurse's aide, but the facility she works at does not offer affordable insurance b/c nurse's aides get paid peasant's wages in Iowa... she can't be on her parents' policy b/c she's graduated. She has something going on and is blacking out a lot, for no apparent reason, and she can't see a doctor because she already owes thousands for the testing she's had done so far... which is only a CT scan so far, I believe. So, she's walking around, having unexplained blackouts, and praying to whatever diety that she doesn't black out while driving as she goes to her 12-16 hour a day job as a nurse's aide... I feel badly for her and think this program will help people like her who don't qualify for state aid (Medicaid) or other low cost insurance policies.
Anyhow, like you, I don't like to talk about politics b/c it usually ends badly, but those are my thoughts on the ACA... I truly think it'll be a benefit to those without and will only enhance the benefits of those who have insurance already.
Actually there are provisions of ACA that have already been phased in. The pre-existing conditions provision was one such (June 2010), although it's via a temporary pool. Once everyone is paying into the system, HC insurers will need to cover such conditions.
I'd be pretty happy to see us go single payer. Just simplify the shit and cut out the profiteering.
Let me clear up Healthcare Reform aka Obamacare. In 2014, pre-existing conditions will be a thing of the past. Most preventive care(women's health for example) are now covered. Also, children can be covered under their parents plan until they are of 26 years of age even if they are dependent from their parents and are married with children of their own. It will take up to 2020 for most of the provisions to take place. Now to what is shit about Obamacare. Its a damn tax increase. Starting on your 2013 tax return, if you do not healthcare, whether through your employer, state or on your own, you will be MAJORLY penalized on your taxes. I am looking at being penalized as my employer doesn't offer insurance coverage(I'm a temp), my husband's coverage is way too expensive for the shit it is, we make too much to get coverage through the state and going self insured won't work with us either.
Yeah, I give P-Bo major cudos on screwing us over on this. They could've found a much better way to do this without penalizing the electorate.
What I don't understand is that I already pay 7% of my income for healthcare and have done since I got my first job at 12 years old. Yet, it doesn't cover me until I turn 65, has a huge 'donut hole' in prescription coverage, has a higher denial rate than any private insurance company, and apparently is going broke long before I get to use it. Why the frack would I want more government healthcare especially given it takes me 6 months to get an appointment at the VA?
What does "single payer" mean? I don't really understand how health insurance works, just how the billing process works for me ><. I've always wondered where the money comes from in insurance. Say I accrue $10,000 of medical procedures in a year. But company pays the premium, and it's not that much. And my bills for whatever insurance doesn't cover aren't nearly that much. Where do the companies get the money to pay the medical facilities?
BTW, thank you all for this enlightening and civil discussion. Really appreciate the information and perspectives being brought out.
They depend on people that genrally don't use it. Most insurances also have "discount programs", so to speak, with the medical institutions in their network.
[QUOTE=naiadknight;998320]They depend on people that genrally don't use it. Most insurances also have "discount programs", so to speak, with the medical institutions in their network.[/QUOTE]
Exactly. Nameless, you may use $10K, while Naiad, me, and 50 others use next to nothing. Our premium, lets say $100 plus the $300 the company kicks in for all of us, covers you. The insurance company pays some smart people to figure out how much they need to charge to cover what they pay out plus profits and we go from there.
They give a discount within network as usually they have prearranged fees for procedures with doctors. That way they know what they are going to pay (and usually it is less than the 'normal' price) so want you to go to their doctor so it costs them less.
Edit to add: single payer is where all medical fees are paid through one fund. Much like they have in England. The government pays in, employers pay in, people pay in through taxes. When someone goes to the doctor the fund pays out. This works great until you collect $1 billion and by August it is gone. Now by the end of the year you have spent $2 billion and what covers the excess? Do you ration care? Do you deny care? Do you let people die? Do you make people wait longer for care? Do you borrow the money? Do you start charging more etc...
I don't think we're going to see much of a difference at the emergency room, people without insurance go there anyway. Our problem is going to come, like canio with the VA, from seeing a doctor on a non-emergency visit. I've heard of some people waiting to see an unusual specialist (not heart, lung, etc) have an appointment maybe 6 weeks out or so. Now add 30 million more people to the waiting list and you have waits to see a doctor out 12 months.
[QUOTE=justyouraveragecavemen;998732]I don't think we're going to see much of a difference at the emergency room, people without insurance go there anyway. Our problem is going to come, like canio with the VA, from seeing a doctor on a non-emergency visit. I've heard of some people waiting to see an unusual specialist (not heart, lung, etc) have an appointment maybe 6 weeks out or so. Now add 30 million more people to the waiting list and you have waits to see a doctor out 12 months.[/QUOTE]
Exactly. The issue will be a shortage of doctors. It took my wife a year to find a doctor in our area accepting new patients. It takes me so long to get an appointment at the VA becuase they have two doctors for good lord knows how many vets in this area. An 'urgent' appointment takes a minimum of 3 weeks and this is after they try to tell you to go to the emergency room. Waiting 3 weeks to see a doctor when you have strep throat is the suck btw.
Also many docs refuse to take medicare/medicaid. It is not cost effective. The government doesn't pay enough. Now add 13 million new patients, stacks more paperwork, increased cost of compliance with government redtape, limited pricing, and whatever else and I would not be surprised to see a ton of doctors retire and the shortage get even worse.