True,
One has to buy your own insurance-we have the same requirement in MA. Unfortunately, no one was willing to give healthcare to everyone (like Medicare from birth). But even in other countries, it's not free-you pay higher taxes for it.
The law does provide subsidies for people to buy insurance if you make under a certain income. So yes, in MA some people do go without if it's cheaper. But we all end up paying for it when someone goes through the ER without insurance.
Yes, Medicare does charge really low rates. Unfortunately we've let this happen. But if people realized how much care they receive for only $96/mo they would love Medicare more.
$400/mo is worth it for me-my neurologist alone charges over $200. And my pills without insurance would be unaffordable.
Hate the law/love it, but it is positive.
Elizabeth
Sent from Samsung mobile
Kelly Porter <race_12_1@porterfam.us> wrote:
>If the "positives" are going to be listed, so should the negatives.
>
>This law does not "give away" health insurance. It mandates you BUY it,
>that's right BUY it. You will pay for insurance or pay a tax to the
>government for not getting it. Everyone who doesn't have insurance now
>will have to pay one or the other. Nothing in it gives you fee
>insurance or healthcare.
>
>Also, the fine is much less then insurance will cost, which means many
>who don't have insurance still won't buy it. That means the group most
>in need of insurance still won't have it because they won't be able to
>pay for it.
>
>Most of those "positives" you listed could be made law WITHOUT most of
>the other stuff in this law. For example, mandating insurance purchase,
>creating giant government backed insurance cooperatives, or creating
>another governmental bureaucratic nightmare.
>
>Again, this law does not give anyone health insurance, it requires you
>BUY it. Again, the things you listed, such as pre existing condition
>laws, no co pay preventive care, and medicare changes, do not require
>the rest of the law to put into place.
>
>Also, the preexisting condition clause will become a nightmare. If you
>are paying $400 a month for insurance, and you don't have to in order to
>get covered later if you get sick, why would most people do it? Far too
>many people will say "I'm healthy, young, and would rather pay to see
>the dr. once or twice a year." Then, fit hey get really sick, they will
>just sign up for insurance, and it will be paid for. Insurance isn't
>something you get WHEN you need it, but before you need it. It is
>designed to protect you when something does happen. It is no longer
>insurance if you don't have to buy until you already need it.
>
>The law is full of garbage with a few positives sprinkled in to make
>people "feel good" about the law. It's still garbage no matter how it
>smells.
>
>Lastly, the single biggest reason health care costs int he country are
>so high is because healthcare provider must over charge private
>insurance companies for services to make up for the losses they suffer
>by treating medicare patients. That's right, medicare pays such a low
>amount to providers that they have to jack up what the "normal and
>customary charges" would be to recoup that. The best way to decrease
>costs would be if the government actually paid providers enough!
>
>Kelly
>>
>>
>> On Jun 29, 2012, at 2:04 PM, "Elizabeth Quinn" <equinn76@earthlink.net
>> <mailto:equinn76%40earthlink.net>> wrote:
>>
>> > As someone who works in healthcare, and deals with Medicare/Medicaid
>> daily, here is why everyone should be happy that healthcare reform was
>> upheld:
>> >
>> > 1) People with pre-existing conditions can no longer be denied
>> coverage beginning 2014--children cannot be denied already
>> >
>> > 2) Seniors with Medicare Part D receive lower prescription costs
>> when they go into the donut hole--it will be essentially closed in
>> 2020 (yeah, that's far away)
>> >
>> > 3) More people joining the insurance pool lower costs for
>> everyone--this will add healthy people to even the cost
>> >
>> > 4) the PCIP plan is already up and running
>> >
>> > 5) If your insurance company spends less than 80% on your
>> healthcare, they owe you a rebate
>> >
>> > 6) Preventive services!! Have you gone to see your PCP in the last
>> year for a check-up? It was free, right? Thanks healthcare reform. If
>> you're not on Medicare yet, you may not know that they are receiving a
>> lot of free preventive care now--colonoscopies, PCP visits,
>> mammograms, etc...
>> >
>> > 7) If you're in a Medicare advantage plan, they lowered the
>> percentage they can charge Medicare to operate--it used to be 14% on
>> average, now it's down to 11%, which saves the consumer money in their
>> premiums.
>> >
>> > 8) Expansion of Medicaid!! If States do not accept the expansion,
>> they will lose a boatload of money.
>> >
>> > There are a lot of other things that will start in 2014-but the
>> collection of money due to Medicare fraud has already begun. The law
>> will keep Medicare solvent, not take away from it. There are a lot of
>> other pieces to the law as well. If you want more information, the
>> Kaiser Family Foundation is a wealth of knowledge: www.kff.org .
>> >
>> > Please don't jump to conclusions about the law! It will benefit
>> everyone. For those of us with pre-existing conditions, it will
>> definitely help us. If you use your local community health center,
>> they are receiving more money due to the law.
>>
>
>
>
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>
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