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SO how's Health Care Going?

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JenniferMaxwell
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200 posted 04-04-2010 02:03 PM       View Profile for JenniferMaxwell   Email JenniferMaxwell   Edit/Delete Message      Find Poems  View IP for JenniferMaxwell

I think 5 - 10 billion might just about cover the cost of correcting all the rumors and lies re HCR spread by Fox News, right wing pundits and silly hat wearing teabaggers.

So if it's not a crime and there will be no criminal charges, and no "thugs with guns" beating down doors, what are the teabaggers whining about? Are they just too cheap to buy insurance, expect us to pay for their medical care when they can't?

Denise
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201 posted 04-04-2010 06:30 PM       View Profile for Denise   Edit/Delete Message      Find Poems  View IP for Denise

It shouldn't cost them that much, Jen. They could just farm it out to Factcheck. They might even do it for free!

JenniferMaxwell
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202 posted 04-04-2010 07:15 PM       View Profile for JenniferMaxwell   Email JenniferMaxwell   Edit/Delete Message      Find Poems  View IP for JenniferMaxwell

Last but not least, my personal favorite:
http://www.youtube.com/watch?v=cVX7h9sAYYY&feature=related
Bob K
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203 posted 04-04-2010 11:08 PM       View Profile for Bob K   Email Bob K   Edit/Delete Message      Find Poems  View IP for Bob K



     They could just farm it out to factcheck?

     Would you please, Denise, connect that comment to something I can recognize as having some connection to the discussion?

     Are the facts that disturbing for you?

     Do you think that factcheck always comes out on the side of the left-wing?
JenniferMaxwell
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204 posted 04-05-2010 02:29 PM       View Profile for JenniferMaxwell   Email JenniferMaxwell   Edit/Delete Message      Find Poems  View IP for JenniferMaxwell

I'm not totally convinced but I'm hopeful:


Small Businesses Will Gain Under New Health Reform Bill

Our current health care system creates particular challenges for small businesses. But the new Patient Protection and Affordable Care Act provides various forms of relief for small businesses who often struggle to pay for their employees' health coverage.

Small businesses spend about 18 percent more on average than large businesses for comparable health policies. This is largely due to high administrative costs, which can be up to 30 percent of premiums; their limited ability to spread risk because of these businesses' small scale; and a lack of market power when negotiating rates with insurers.

One-third of workers at firms with fewer than 25 employees are uninsured. High uninsurance rates among small business employees partly reflect the fact that their employers are less likely to offer coverage, especially at the smallest firms that pay the lowest wages. Firms with fewer than 10 employees that pay low wages (in the bottom quartile) had a coverage offer rate of 18.4 percent in 2008 compared to the national average of 56.4 percent. Overall employer sponsored coverage offer rates have declined by nearly 5 percent over the past decade, but the decline for small businesses was significantly steeper at 21 percent for firms with 10 to 24 workers and 28 percent for firms with fewer than 10 workers.

The recently passed Patient Protection and Affordable Care Act makes substantive improvements to our health care system that will better provide small business employees access to affordable, quality health coverage. The new health reform law provides certain small businesses with a tax credit to help pay for coverage in the years leading up to the establishment of state health insurance exchanges in 2014. The state health exchanges will have further reformed insurance market rules, which will provide small businesses with a new avenue for purchasing coverage. And if small businesses decide not to offer coverage, lower-income employees will likely receive subsidies to purchase coverage within the exchange. http://www.americanprogress.org/issues/2010/04/small_business_health_calculator.html
JenniferMaxwell
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205 posted 04-06-2010 01:24 AM       View Profile for JenniferMaxwell   Email JenniferMaxwell   Edit/Delete Message      Find Poems  View IP for JenniferMaxwell

Maybe Dr. Cassell should have used Factcheck. A doctor denying care because of political affiliation, lying about hospice care, scaring the sick and the elderly - how outrageous is that!

http://www.youtube.com/watch?v=xlRjRHp3xUM
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206 posted 04-16-2010 09:11 PM       View Profile for Balladeer   Email Balladeer   Edit/Delete Message      Find Poems   Click to visit Balladeer's Home Page   View IP for Balladeer

JCT: Healthcare law to sock middle class with a $3.9 billion tax increase in 2019
By Jay Heflin - 04/12/10 02:37 PM ET

Taxpayers earning less than $200,000 a year will pay roughly $3.9 billion more in taxes in 2019 alone due to healthcare reform, according to the Joint Committee on Taxation, Congress's official scorekeeper.

The new law raises $15.2 billion over 10 years by limiting the medical expense deduction, a provision widely used by taxpayers who either have a serious illness or are older.

Taxpayers can currently deduct medical expenses in excess of 7.5 percent of their adjusted gross income. Starting in 2013, most taxpayers will only be able to deduct expenses greater than 10 percent of AGI. Older taxpayers are hit by this threshold increase in 2017.

Once the law is fully implemented in 2019, the JCT estimates the deduction limitation will affect 14.8 million taxpayers 14.7 million of them will earn less than $200,000 a year. These taxpayers are single and joint filers, as well as heads of households.

"Loss of this deduction will mean higher taxes for 14.7 million individuals and families making under $200,000 a year in 2019," Sen. Chuck Grassley (R-Iowa) told The Hill. "The new subsidy for health insurance would not be available to offset this tax increase for most of these households."

The healthcare law contains tax breaks for individuals purchasing health insurance, but the breaks phase out for those making $88,000 a year.

President Barack Obama in his Saturday radio address said the healthcare law keeps his campaign pledge to not raise taxes on the middle class. In his bid for the White House, he promised that individuals earning less than $200,000 and joint filers earning less than $250,000 would not see a tax increase under his watch.
http://thehill.com/blogs/on-the-money/domestic-taxe s/91669-healthcare-law-socks-middle-class-with-a-39-billion-tax-increase

Another promise down the tubes. Ho-hum. So what's new?
Bob K
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207 posted 04-17-2010 12:19 AM       View Profile for Bob K   Email Bob K   Edit/Delete Message      Find Poems  View IP for Bob K



     Since more people will be covered by insurance and the cost of insurance is supposed to come down as a result of the larger insurance pool, exactly how is there supposed to be a real difference, Mike?  More things should be covered in the first place.
serenity blaze
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208 posted 04-17-2010 12:23 AM       View Profile for serenity blaze   Email serenity blaze   Edit/Delete Message      Find Poems  View IP for serenity blaze

Whether I'm here, or if I am there, I'm still a piece of meat.

How's it going for YOU?
Denise
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209 posted 04-17-2010 06:13 AM       View Profile for Denise   Edit/Delete Message      Find Poems  View IP for Denise

Bob, can you explain how increasing demand  while not increasing supply brings down the cost of something?
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210 posted 04-17-2010 07:46 AM       View Profile for Grinch   Email Grinch   Edit/Delete Message      Find Poems  View IP for Grinch


If Bob can't Denise I certainly can - the answer is inherent in the way insurance works.

.
Denise
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211 posted 04-17-2010 08:23 AM       View Profile for Denise   Edit/Delete Message      Find Poems  View IP for Denise

What happens to insurance rates when medical costs continue to rise due to rising demand (increased amount of consumers) with no corresponding increase on the medical supply side, Grinch? Will insurance premiums increase or decrease as a result?
Bob K
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212 posted 04-18-2010 02:31 AM       View Profile for Bob K   Email Bob K   Edit/Delete Message      Find Poems  View IP for Bob K



     All medical care is not the same, actually, Denise.

     A lot of the demand is on misused medical care emergency rooms being used to treat colds, and ambulances being called for non-emergency situations.  This is the only way that some patients can get any medical care at all, and it is very expensive.  It drives up the total cost of hospital care for everybody.  If more of these patients can use regular medical care, the cost of emergency care comes down and the cost of hospital care in general should stabilize and possibly (perhaps too much to hope for) come down as well, while the patients with colds can see regular physicians.  These physicians have been traditionally underpaid, and could do with a bit of a raise.  If more of their time wasn't wasted in dealing with insurance companies and rejected claims and paper work, they could probably get it without working extra hours.  A lot of the medical overhead also goes to hiring folks to do the billing for them, and in doing insurance paperwork themselves.  Talk to them about this if you can and get their input.
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213 posted 04-18-2010 11:00 AM       View Profile for Denise   Edit/Delete Message      Find Poems  View IP for Denise

I don't see that the cost of emergency room care will go down, Bob, if the new law creates a shortage of doctors and wait times to see a doctor or medical professional. Usage may very well go up.

Ambulance regulations also need to be changed. Right now, at least in Pennsylvania, if someone calls for an ambulance, and it's determined that the 'emergency' is not truly an emergency, even for 'frequent flyers' who are known abusers of the system, the ambulance crew must take them to the emergency room.

My question again is what will happen to insurance premiums when medical care costs continue to rise? Is there anything in the new law that addresses these problems?
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214 posted 04-18-2010 11:25 AM       View Profile for Balladeer   Email Balladeer   Edit/Delete Message      Find Poems   Click to visit Balladeer's Home Page   View IP for Balladeer

There's at least as much about that as there is on tort reform....
Denise
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215 posted 04-18-2010 02:07 PM       View Profile for Denise   Edit/Delete Message      Find Poems  View IP for Denise

Indeed.
Ron
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You should start a thread on that, Mike. It's a little more complicated than many might think and mixing it in with health care reform (sic) only muddies the waters of both.
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217 posted 04-18-2010 07:00 PM       View Profile for Balladeer   Email Balladeer   Edit/Delete Message      Find Poems   Click to visit Balladeer's Home Page   View IP for Balladeer

Tort reform is certainly one of the reasons health care is as high as it is. Since this health care reform is supposed to have ways to lower costs, it's omission is glaring, IMO.
Grinch
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218 posted 04-18-2010 07:10 PM       View Profile for Grinch   Email Grinch   Edit/Delete Message      Find Poems  View IP for Grinch

How much would tort reform save Mike?

.
JenniferMaxwell
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219 posted 04-18-2010 07:20 PM       View Profile for JenniferMaxwell   Email JenniferMaxwell   Edit/Delete Message      Find Poems  View IP for JenniferMaxwell

A brief easy to digest article that lays out pros and cons: http://74.125.45.132/search?q=cache:LVF9hnF9JxgJ:www.bankrate.com/brm/news/pf/20050727a1.asp+tort+reform+pros+and+cons&cd=1&hl=en&ct=clnk&gl=us
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220 posted 04-18-2010 08:21 PM       View Profile for Balladeer   Email Balladeer   Edit/Delete Message      Find Poems   Click to visit Balladeer's Home Page   View IP for Balladeer

More than it would not save by not having it in there, grinch.

Seems to me that tort reform was one of the areas Obama listed as being something to be controlled, and yet ignored it in the bill. I'll look for that.

When you think about the significant amount doctors have to pay to be fully covered against any type of aggregious lawsuits, it becomes a large amount...and, of course, that expense is passed on to patients.

A good start would be limiting lawyer fees, which are despicable.
Bob K
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221 posted 04-19-2010 12:05 AM       View Profile for Bob K   Email Bob K   Edit/Delete Message      Find Poems  View IP for Bob K



     I think, perhaps, it was a question about percentages, Mike, not a question that would allow you to duck out quite so easily.  The insurance industry like to blame everybody else for increases in it rates, and if it can set the doctors and the patients against each other, so much the better.  The insurance companies seem to make money on both sides of the deal, and they raise rates in each direction, so the more paranoid they have everybody about each other, the better off they are.

    
Ron
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222 posted 04-19-2010 12:14 AM       View Profile for Ron   Email Ron   Edit/Delete Message      Find Poems   Click to visit Ron's Home Page   View IP for Ron

Having your electric company shut off power to your house would save you money, too, Mike. More, indeed, that it would not save by not having it turned off?

You can't, however, look at savings without also looking at costs. Certainly, it would cost you something to live without electricity, even if that cost can't be easily measured in dollars and cents. Similarly, what I think you are calling tort reform I might characterize as making people less responsible for their actions. To me, that's a pretty high price to pay for savings you seem unwilling to define.


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223 posted 04-19-2010 06:51 AM       View Profile for Balladeer   Email Balladeer   Edit/Delete Message      Find Poems   Click to visit Balladeer's Home Page   View IP for Balladeer

Ron, I'm not unwilling to define it. The truth is I'm not capable of defining it. I'll admit that.

I'm no lawyer and no politician, not even a doctor. I'm just a fellow on the outside making a few observations I don't like. My observations are...

Doctors are paying through the nose for malpractice insurance. Why? Because of the inordinate amount of lawsuits. These expenses get passed on to the patients.

Doctors have to run barrages of tests, even ones they feel may not even apply to the care of their patients. Why? As a CYA move in case of future lawsuits. These expenses get passed on to the patient.

Lawyers take 30-50% of the awards, and some even tack on more expenses on top of that, sometimes going over 70%. This I have seen. They spew out emotional speeches on how their client's lives have been damaged and the hardships they will have to go through as a result and how they deserve X amount of dollars - and then they keep most of it. I happen to think that's wrong, not only because of the amount of money they take from them but also it spurs them on to press for incredible amounts because they know they are getting a good share of it.

To my mind, I happen to think these things are wrong and need to be changed.
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224 posted 04-19-2010 06:55 AM       View Profile for Balladeer   Email Balladeer   Edit/Delete Message      Find Poems   Click to visit Balladeer's Home Page   View IP for Balladeer

not a question that would allow you to duck out quite so easily

Once again, Bob, you have shown you cannot direct a comment toward me without injecting some type of sarcasm or insult. Please direct your comments to someone else. When I see your name on the left of a comment, I won't be reading it.
 
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