Pre-existing condition protections still in the GOP's crosshairs

[RealityNow]

Quote Originally Posted by Greenbeard
In a given year, 80% of the population accounts for 18% of the nation's health expenses. The other 20% accounts for the remaining 82% of costs.

There's no way to have a health system where the 80% isn't disproportionately paying for the 20%. The 20% isn't simply going to come up with the $3 trillion needed to pay their bills by themselves. Schemes to segment the risk pool to try and get the 80% off the hook for the 20% can't succeed without gutting the American health system while bankrupting millions of Americans in the process. And guess what? People bounce between the 80% and the 20% from year-to-year.

PEOPLE AGE !!!! and Young Children get sick...... so throwing out "raw numbers" for the sake of drama spins... sound far too much like a Right Wing Republican Spin, rather than the "actual reality facts".

And among that % one is claiming is using services, is a vast number and % of those who vote Republican....and look at the volume of population over 50 who have met with every kind of corporate system stripping benefits since the 1970's. Then, go look across Rural America, the same Rural America that does not have mill towns anymore, and no industry and the falling down system of once upon a time farming communites, mining communities and metal working communities.... then look at the massive expanse of small business closures that once upon a time repaired things, or sold things, that can't compete with Walmart, Amazon and Ebay and other big mega companies, or Foreign Imports. Some small and moderate size town only have "medical system employment", local, state and federal government employment, and a few low paying commercial establishments as the basis of make up of these localities. In many of these especially the white sectors, they don't advertise they get and use benefits, because they already know the negative attitude and how they will be looked down upon, so they try and be covert in how they use it, but never the less, they still use it.
Maybe some of the people tripping should pay more attention when they are in the grocery store's and they'd know this. But many don't want to know, they only want to complain about the inner cities where white flight left and took the banks and the system of banking industry to lend, and people who own the broken down building and keep them as a tax write off, rather than structure a means to rent it to help the towns and challenged cities grow. "We need a crack down" of these types who damage cities by being determined to hang on to these for the sole sake of using it as a continuing tax write off... at the full detriment to the city.

Mississippi has a town that recognized this madness, and moved forward with an "economic imminent domain" program, to break the cycle of a few holding down cities by this tax sham gaming, other cities are striking back at the "slum lords"... and they are finding, job creation by forcing them to upgrade their properties to meet HUD housing standards, and not use these properties for guaranteed Section 8 income, while leaving the people living in slum dilapidated properties.

Tax Reform did not work, it only gave the wealthy a means not to invest in "anything".... and left in place the system of riding the system, by gaming it for even more tax writes off on using the closed building as a gambit piece to reduce taxes.

Now... let's get moving with the young people who will not allow anymore of the Right Wing Discrimination Gaming about Health Care.

 

[Cramer]

It would be great if those with pre-existing conditions have their own personal health insurance and those without pre-existing conditions have their own insurance.

It is unfair to mix these groups of people into the same pool, and unfair for healthy individuals to pay for those that have pre-existing conditions. My solution would be simple but fair. Allow healthy individuals to be insured privateley and the other people to be insured through a federal program where we can syphon funds from medicare, medicaid, and social security into the high risk pool. The federal program can also take in donations.

Can't tell if serious.

 

[Cramer]

Can't tell if serious.

Further reading indicates you are serious.

I truly hope you and those with the same mindset, insist Republicans push for such a plan you endorse.

 

[marke]

Do you think we should eliminate Medicare for those over 65?

My guess is that it is entirely too late to try to start fixing Medicare now.

 

[BlueTex]

My guess is that it is entirely too late to try to start fixing Medicare now.

That really doesn't answer the question... Do you supporting eliminating Medicare? What should we do with those over 65 who can not afford the inevitable high premiums that they would be forced to pay?

 

[marke]

That really doesn't answer the question... Do you supporting eliminating Medicare? What should we do with those over 65 who can not afford the inevitable high premiums that they would be forced to pay?

No, I do not support eliminating Medicare now that it is inexorably embedded in the fabric of the American economy. It started out badly but now stopping Medicare would create disastrous consequences for millions of people on both the giving and the receiving ends of healthcare in America if the program was suddenly just cut off cold-turkey.

 

[BlueTex]

No, I do not support eliminating Medicare now that it is inexorably embedded in the fabric of the American economy. It started out badly but now stopping Medicare would create disastrous consequences for millions of people on both the giving and the receiving ends of healthcare in America if the program was suddenly just cut off cold-turkey.

We could give seniors their contributions back minus any received in benefits and they could go buy insurance on the open market. Sounds fair... Why would oppose this?

 

[RealityNow]

Why are so many of these people so "hateful" ???

Where do these people come from who go from one type of discrimination to another and then within such seek out one type of segregation or another.
It's just plain "evil thinking"!!! Are these people that desperate to hoard money??? Are they so void of human dignity and compassion?

Some of these attitudes are straight out of "Jim Crow" !! It's why President Johnson took the bold steps in the promotion of the creation of "A Great Society" to develop,implement and promote Medicare...... because he knew the hateful people would push their Jim Crow mentality of "discriminating, and segregation" in every means and manner they could.. Not just against minorities, but against women and poor whites as well, and deny the elderly and the sick the care they need. He understood the need for the whole spectrum of what is Medicare....

Still we have the hateful mentalities still to this day, many don't even know their attitudes are groomed and born of the Jim Crow ingrained ideology that was spread for generation into their parents and their parents passed it on to them, and they spew it still to this day, having learn nothing nor even come to the learning that Johnson had already expanded upon and beyond more than 55 yrs ago. They just go on spewing the same hate driven aims to "discriminate" because all they know is to discriminate, and they go from one thing to the next, trying to discriminate.

Many of these comments sound like they come out of the Mouth of the 1960's George Wallace.... it's just.... Pure Ignorance!!!! some are incapable of learning, because to learn would 'upset the whole concepts of being discriminating of which their lives was built upon and around"... they don't have the capacity to think beyond it.

they gloss over what they can't handle and go right back into the spins of trying to conjure up ways to "deny something to others", and then grandstand about it, never knowing it shows their lack of depth and the void within their being of not having the capability of human compassion and humane regard for life and others. They whine and spin about "money" as if that's their God and their measure of what is life.

Too willfully ignorant to know... we have $22 Trillion in debt... not because we help people, but because of Corporate Greed that fleece the government through every kind of corporate contract that is within the public arena, that does not involve health and health care. they are too insidious to know that the cost of medicine skyrocketed, because these same types voted against Unions and the millions who had health care through the unions, which kept premiums cost low and managed service cost.

One can't fix that level and type of ignorance, sad as it is to say... "time" has to bring the new generations to replace the old, then American moves forward.

 

[RealityNow]

We could give seniors their contributions back minus any received in benefits and they could go buy insurance on the open market. Sounds fair... Why would oppose this?

I'd like to see you get past 65 and go try what you suggest.... :roll:

 

[BlueTex]

I'd like to see you get past 65 and go try what you suggest.... :roll:

I'm not suggesting we do it at all... I'm suggesting that many of the opponents to covering pre-existing conditions seem to have no problem covering pre-existing conditions past 65.

 

[Middle_Ground]

I do not want to pay gastric bypass surgery for someone that eats unhealthy, or pay drug treatment for an addict. These are all self-inflicting costs. Kicking people out for their own failed life decisions seems fair.

And there's the problem.

 

[Greenbeard]

1. We shouldn't be worried about making everyone insured, the main issue is driving down the cost. Remember that. If you cannot drive the cost, making everyone insured is not possible.

We'll just have to walk and chew gum at the same time.

 

[independentusa]

It would be great if those with pre-existing conditions have their own personal health insurance and those without pre-existing conditions have their own insurance.

It is unfair to mix these groups of people into the same pool, and unfair for healthy individuals to pay for those that have pre-existing conditions. My solution would be simple but fair. Allow healthy individuals to be insured privateley and the other people to be insured through a federal program where we can syphon funds from medicare, medicaid, and social security into the high risk pool. The federal program can also take in donations.

What do you think insurance is all about, it is the sharing of risk. What happens if tomorrow you develop a condition that places you eventually in the insurance for pre-existing conditions. It can and has happened. Insurance companies can just as they have in the past made your plan year by year and if you get an expensive condition, they will not re-up your plan for another year. Then to get re-insured you would have to join the pre-existing condition insurance.

 

[marke]

We could give seniors their contributions back minus any received in benefits and they could go buy insurance on the open market. Sounds fair... Why would oppose this?

If the US government turns socialist then the government should feel free to give its money to whomever it likes for whatever reason it feels best, as long as the government allows most people keep enough of their government grant salaries to live on, albeit frugally.

 

[AGENT J]

Pre-existing condition protections still in the GOP's crosshairs

As platform (not all GOPers agree with this nonsense) it never left "thier" crosshairs no matter what lie Trump told about it.
Just another example of how some want to make healthcare even worse and dont care about the people it hurts at all

 

[Checkerboard Strangler]

Bunch of whining ignoramuses who refuse to accept the function of insurance or accept the ideas that make it work. All they're interested in is gaming it for themselves at everyone else's expense...until THEIR OX is gored.
The news is overflowing with stories of rampaging angry idiots who spend the better part of their lives yelling about how they don't want to pay for someone else's problems, who are then suddenly whacked over the head by the reality of their own condition.

It's also overflowing with millions of people who don't even realize that the Affordable Care Act and "Obamacare" are the same thing, yet when polled, a large majority of these same people say that they like the provisions of the Affordable Care Act, even despite its flaws, which could be fixed WITHOUT repeal.

Barring cancellation of insurance policies due to "pre-existing conditions" is simply barbaric.
Millions of people have no way to find out that they had or have pre-existing conditions when they buy insurance, and the criteria that defines these "conditions" are often arbitrary and nonsensical, like in cases where acne is grounds for canceling a premium which is covering a cancer treatment or a heart ailment, or defining PREGNANCY as a justification to cancel or deny coverage, two examples among many.

 

[BlueTex]

If the US government turns socialist then the government should feel free to give its money to whomever it likes for whatever reason it feels best, as long as the government allows most people keep enough of their government grant salaries to live on, albeit frugally.

Isn't that what we are doing for the average Medicare recipient these days? Giving them far more in benefits than they had paid?

 

[Bucky]

Further reading indicates you are serious.

I truly hope you and those with the same mindset, insist Republicans push for such a plan you endorse.

Wouldn't it be great if you needed knee surgery you can easily find prices like you could find a pair of pants, like an Amazon for medical services?

The current system is wasteful and lacks transparency. The concepts of 80/20 coinsurance and the entire system is flawed. We need to have a true market place.

 

[Cramer]

Wouldn't it be great if you needed knee surgery you can easily find prices like you could find a pair of pants, like an Amazon for medical services?

The current system is wasteful and lacks transparency. The concepts of 80/20 coinsurance and the entire system is flawed. We need to have a true market place.

That can work in some instances. years ago, I needed an MRI for my shoulder. My insurance got 3 quotes., (I had a $2500 deductible).

$4500
$3000
$500

i chose the cheapest one, and when I asked the doc if it was good, he said it was just fine.


Of course, that can happen when one can schedule a simple, single procedure.

ER visits?
Complicated procedures, not so much.

Which is why Single payer is the most efficient, and cost effective system.

 

[Bucky]

That can work in some instances. years ago, I needed an MRI for my shoulder. My insurance got 3 quotes., (I had a $2500 deductible).

$4500
$3000
$500

i chose the cheapest one, and when I asked the doc if it was good, he said it was just fine.


Of course, that can happen when one can schedule a simple, single procedure.

ER visits?
Complicated procedures, not so much.

Which is why Single payer is the most efficient, and cost effective system.

I think the problem with a single payer is that a poor person with no funds should not get the same service as that of someone with more means to spend for quality insurance.

 

[Mr Person]

"People should be unable to get insurance AND they shouldn't get this handout of medical care!"

 

[jghiretire]

Listen, those with pre-existing conditions should have insurance, however it should be through high-risk pools where healthy people have to pay for it.

Still in great health huh??? Good luck.

 

[jghiretire]

Not sure who in their right mind does not folks with pre-existing conditions have insurance. The true question is how to make it happen without making insurance ultra expensive for the young and/or healthy. ACA fixes one problem while making the other worse. One size fits all works for just about nothing in a country as large and diverse as ours.

So yes, the GOP needs to better communicate a solution to this complex issue. Not sure if any complicated issue can be communicated to the public at large with a media which has turned into an entertainment echo chamber.

For example my sense was that the GOP had provisions for state cataphoric plans. Perhaps I am wrong about this. So not sure the above is accurate although much of the public thought it was thanks to the echo chamber I referenced.

Yes they did have catastrophic plans - HUGE deductible and doesn't cover much.
If we don't figure something out, people will be going back to the ER for regular care. That costs taxpayers megabucks. But seems they just want to be stubborn and say - "sorry chump - you get to die".
Home of the Free and Land of the Brave.

 

[jghiretire]

I think the problem with a single payer is that a poor person with no funds should not get the same service as that of someone with more means to spend for quality insurance.

WOW - quite the happy person aren't you??

 

[Bucky]

WOW - quite the happy person aren't you??

If it was mandated that everyone had cars are we going to give the poor bmw's?