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shintao

Your ACA Health Care & Information

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Woooooooooo, This thread took an unexpected turn, so I will re-title it to ACA News & Information. Take your lead from Bluedog!!! :)

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Now now Shintao. It's nothing voluminous doses of meditation couldn't cure. And Honey attracts more flies than vinegar you know.

 

Obama knows that well. Look how cheerfully he cooperated with the insurance industry to establish the ACA, his signature piece of legislation. It has many good things in it like the elimination of disqualification for pre-existing conditions and others.

 

http://www.hhs.gov/healthcare/facts-and-features/key-features-of-aca/benefits-of-the-affordable-care-act-for-americans/index.html

Improving Quality and Lowering Health Care Costs
  • Free preventive care
  • Prescription discounts for seniors
  • Protection against health care fraud
  • Small Business Tax Credits
New Consumer Protections
  • Pre-existing conditions
  • Consumer Assistance
Access to Health Care
  • Health Insurance Marketplace.
Benefits for Women
  • Providing insurance options
  • Covering preventive services
  • Lowering costs
Young Adult Coverage
  • Coverage available to children up to age 26
Strengthening Medicare
  • Yearly Wellness Visit
  • Many Free Preventive Services for some seniors with Medicare
Holding Insurance Companies Accountable
  • Insurers must justify any premium increase of 10% or more before the rate takes effect

But it's doesn't help patients anywhere near what a Single Payer plan would have done.

 

The really bad thing about the ACA is that it's still a work in progress and it's bewilderingly complex.

 

http://www.hrdive.com/news/aca-complexity-in-2016-scaring-some-employers-survey-finds/408620/

ACA complexity in 2016 scaring some employers, survey finds
  • Facing a myriad of reforms and regulations, 60% of employers say they need help navigating the complex Affordable Care Act (ACA) terrain as new administrative and compliance requirements are around the corner, a recent survey found.
  • Additionally, 61% of employers surveyed cite “preparing for a post-healthcare reform era” as a highly important benefits objective, but only four in 10 feel prepared to meet the objective, according to the third annual Guardian Workplace Benefits Study, from The Guardian Life Insurance Company of America.
  • One in three employers expect to outsource more aspects of their benefits program as a direct result of the ACA, while nearly 70% expect greater compliance and administrative burdens. And of those thinking of self-insuring their healthcare plans, 58% say the ACA is the impetus and half of those planning to self-insure expect to carry stop loss insurance, as 78% of employers expect benefit cost increases due to the ACA

 

One of the problems with an open-ended plan like the ACA is that it can be changed and amended endlessly. The insurance industry is trying ceaselessly to get rid of profit-reducing patient benefits. Hillary has stated she wants to keep the ACA but amend it to her own specifications.

 

And if the Republicans win the White House, we can most likely expect the end of the Obamacare and the handing over of health care insurance industry, laissez-faire style. And expand the insurance industry as much as possible.

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I don't believe the GOP really wants to get rid of Obama Care. They just want to amend it. They will never get rid of the mandate that everyone must give lots of money to rich insurance executives. They just want to eliminate all requirements that the insurance company actually pay for anything. Of course whatever they pay for reduces their profit, so they will lobby non-stop to get rid of all those pesky things.

 

Keeping this "give your money to the rich" scheme is another reason it makes it difficult to vote for Hillary.

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Actually I was very much against a plan to mandate that all people pay for private insurance. In my middle fifties and being fortunate to always have employers supplement my medical insurance, I've seen yearly increases to both the amount my employer pays and what I pay. Being fortunate, most of my life I never really used the healthcare I was afforded, so it was a win win for the insurance companies. I also understood that those who are on Medicare require more medical attention, medicare is paid for by taxpayers and controlled by the Federal Government.

 

The ideal health insurance should mean that all pay what they can thereby making it possible for the medical industry to take good care of people who actually require it. My mother was a nurse who got her nursing degree during WWII. She worked at a pretty low wage considering what nurses make today, back then nurses were not allowed to go out on strike. I mention this not because I think we should have a totally socialistic medical system, because I don't think we should. I do however believe that we do need to promote more Federal research in drug discovery as well as promote systems that achieve the best care at the lowest cost. Obviously healthcare workers do in fact deserve a good wage, they are a super important part of a good health care system. That being said, we have too few doctors and not enough qualified nurse practitioners, laboratory technologists, nutritionists, etc... Today the profit motive in healthcare is far to expansive, and it needs a major correction.

 

 

That said, Bludog listed some very good things about the ACA that were a step in the right direction. The problem is, the ACA needs a whole lot of improvement, and yes, it needs to eventually lead us to a more sensible single payer system.

 

Peace!

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I don't believe the GOP really wants to get rid of Obama Care. They just want to amend it. They will never get rid of the mandate that everyone must give lots of money to rich insurance executives. They just want to eliminate all requirements that the insurance company actually pay for anything. Of course whatever they pay for reduces their profit, so they will lobby non-stop to get rid of all those pesky things.

 

Keeping this "give your money to the rich" scheme is another reason it makes it difficult to vote for Hillary.

 

The ACA was deliberately written as an open-ended program so that it always remains a work in progress. It started out largely as a giveaway to the insurance industry. But it had some things in it that help patients and deny profits to the insurance companies like forcing them not exclude pre-existing conditions and coverage of young adults up to age 26 and brakes on premium increases ... Free preventive checkups.

 

Since the can always be altered, all the above can be taken away and the program itself can easily be made into a powerful tool to deny patients quality care while increasing insurance company profits.

 

That's just one reason the Medical Insurance Industry needs to be cut out of the loop. We need some form of single payer, just like every other first world country.

 

Actually I was very much against a plan to mandate that all people pay for private insurance.

 

You were correct OldBarn. The quarterly profits bottom line is too much of an incentive for the Insurance Companies to gut the program of all patient benefits.

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But it had some things in it that help patients and deny profits to the insurance companies like forcing them not exclude pre-existing conditions and coverage of young adults up to age 26 and brakes on premium increases ...

Except for brakes on increases, these measures don't deny profits to insurance companies. All they do is spread risk and the cost of risk more widely, which single payer would also do.

 

Single payer would be non-profit and would take competition out of the system. Right now, insurance must compete for customers and they use coverage as a competitive factor. With single payer, there will be political pressure to save money and limit coverage.

 

That's why I would like a two tier system: single payer, plus more private insurance that would cover anything the government didn't want to cover, or couldn't cover due to political pressure.

 

Kind of like a Medicare Advantage Plan.

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Except for brakes on increases, these measures don't deny profits to insurance companies..

 

They don't?

 

The insurance companies would welcome any chance to nullify their responsibility to provide medical compensation in return for premiums. If they could have it all their own way, they would collect premiums and give very little except, perhaps, lip service in return.

 

If insurance companies could flout the following benefit providing provisions of the ACA, their profit margins would shoot through the roof.

  • Free preventive care
  • Prescription discounts for seniors
  • Protection against health care fraud
  • Small Business Tax Credits
  • Pre-existing conditions
  • Consumer assistance
  • Covering preventive services
  • Coverage available to children up to age 26
  • Yearly Wellness Visit
  • Many Free Preventive Services for some seniors with Medicare
  • Insurers must justify any premium increase of 10% or more before the rate takes effect.

The insurance companies would welcome any chance to do away with the above provisions because they cut into profits. Since the ACA was deliberately written as an open-ended plan and is always a work in progress, it could easily become nothing more than a profit-making tool for the insurance industry if they are able to gut its provisions in the future.

 

Medicare is essentially single payer and it works superbly. There has not been much successful political pressure to "save money and limit coverage". Various forms of single payer are in effect across all countries in the First World except the United States.

 

They recognize that health care should be a right, not a privilege.

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Except for brakes on increases, these measures don't deny profits to insurance companies. All they do is spread risk and the cost of risk more widely, which single payer would also do.

 

Single payer would be non-profit and would take competition out of the system. Right now, insurance must compete for customers and they use coverage as a competitive factor. With single payer, there will be political pressure to save money and limit coverage.

 

That's why I would like a two tier system: single payer, plus more private insurance that would cover anything the government didn't want to cover, or couldn't cover due to political pressure.

 

Kind of like a Medicare Advantage Plan.

I don't believe there is any competition in the plan. There is too much collusion among the insurance providers to consider that there might be competition. Each corporation has a duty to try to increase profits.

 

With single payer, the insurance companies and all the profit they improperly remove from our pockets won't have to occur. Further, with a single payer, they could foster competition among the health care providers.

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