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Healthcare Insurance Reform

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oldsoldier View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oldsoldier Quote  Post ReplyReply Direct Link To This Post Topic: Healthcare Insurance Reform
    Posted: 22 March 2010 at 1:33pm
Basically all that was accomplished, rerouting a private industry into government coffers, to be distributed in the usual 'efficient' government manner. With the 'success' of Medicare and Medicare to providers it is no wonder that many Doctors and Drug Store chains are no longer accepting Medicare/caid.

I still contend that the demand from the tax consumers that will use this new program to an excess (the fraud of the less than honest consumer on Health Insurance Companies and the loses therin was never addressed during the 'debate')soon will outpace the tax providers that will be paying for thier neighbors healthcare. The result will be higher and higher tax rates to continue to fund this fiasco.

And yes personal behavior will have to be adjusted in some way, means, manner, or form to minimalize the costs to the government for the healthcare allowcation to the individual. To think otherwise is purely delussional. Yes I see some form of government control on food consumption, vices such as alcohol/tobacco, and yes even 'hazardous' sports activities. An overweight, smoker, drinker that skydives is a serious healthcare risk in any system, and that behavior must be controled or demand some form of excemption for care provided based on these behaviors.

Another question never answered during the 'debate' is will there be a dedicated pool of funds or do all funds go into the 'general fund' simular to Social Security where the funds are diverted to other 'needs' deemed more immediate per the same congress that is setting up this program. We all know the status of Social Security and how it got there.

The 'supply' of health care will become overwhelmed by the new demand, and anytime this happens a form of rationing developes, it is a natural progression. Case in point was the 'downsizing' of the VA medical system with the lowered number of WW2 and Korea vets in the system, Hospitals closed, the hiring slowed of Doctors and Nurses and the funding was frozen at just barely sustainable levels. Then comes Iraq/Afghanistan and now the system for benifits as well as medical care is overwhelmed, with no relief in sight, since the closed medical facilities and old benifit offices are now homes to other bussinesses. The full sized Lincoln VA Hospital was closed in 1994, and the State has offices and other state agencies throughout the remodeled facility, all that is left is a small outpatient clinic and the Omaha VA hospital bears the entire load of Nebraska and western Iowa, and the waits are considerable. My surgury for example, recommended Nov09, procedure cancelled for 30Mar due to lack of surgical staff available, now resceduled for 20Apr. The kicker is that instead of the procedure being done internal at the Albany VA, my surgury will be performed at the Albany Medical Center, again since the staff required at the Albany VA across the street is still lacking.

BTW my knee surguries were also performed by a non VA orthopedic surgeon from Creighton University Hospital since the Omaha VA did not have a qualified primary. Again why would any good surgeon work for a fixed salary at the VA when the private sector offered so much.

And yes I see a 'Doctor' flight as the incentives to be a Doctor will be minmalized by government buearocrats who will actually be making potentially more than doctors, and have ensured that they are insulated from the system they are forcing on the populace.

Again good luck folks, as you all pay 2X for some time before the system kicks in, and lets see if the taxes go into some form of 'lockbox' till implimentation. My guess is the system will be in debt before it even begins in 2014, the history of government intervention programs shows no other results.

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God View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote God Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 1:41pm
And this somehow didn't fit somewhere in the three other threads on this same topics?
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oldsoldier View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oldsoldier Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 1:52pm
Independant though process. The other threads are already ready to veer off on the usual forum tangents.
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slackerr26 View Drop Down
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Strike 2 - language, 8/20

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Post Options Post Options   Thanks (0) Thanks(0)   Quote slackerr26 Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 2:00pm
so by that logic, what will stop this thread from veering off as well?
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oldsoldier View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oldsoldier Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 2:11pm
will take the usual page before it does, but not now as the intention will be to go off on a tangent for grins and giggles.
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brihard View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote brihard Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 2:15pm
Originally posted by oldsoldier oldsoldier wrote:

will take the usual page before it does, but not now as the intention will be to go off on a tangent for grins and giggles.

Self-fulfilling prophecy FTW!
"Abortion is not "choice" in America. It is forced and the democrats are behind it, with the goal of eugenics at its foundation."

-FreeEnterprise, 21 April 2011.

Yup, he actually said that.
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Eville View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Eville Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 2:24pm
Looks to me like it has already veered.  Way to be ahead of schedule.
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Bolt3 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bolt3 Quote  Post ReplyReply Direct Link To This Post Posted: 22 March 2010 at 3:00pm

Originally posted by REUTERS REUTERS wrote:

WITHIN THE FIRST YEAR OF ENACTMENT

  • Insurance companies will be barred from dropping people from coverage when they get sick. Lifetime coverage limits will be eliminated and annual limits are to be restricted.
  • Insurers will be barred from excluding children for coverage because of pre-existing conditions.
  • Young adults will be able to stay on their parents' health plans until the age of 26. Many health plans currently drop dependents from coverage when they turn 19 or finish college.
  • Uninsured adults with a pre-existing conditions will be able to obtain health coverage through a new program that will expire once new insurance exchanges begin operating in 2014.
  • A temporary reinsurance program is created to help companies maintain health coverage for early retirees between the ages of 55 and 64. This also expires in 2014.
  • Medicare drug beneficiaries who fall into the "doughnut hole" coverage gap will get a $250 rebate. The bill eventually closes that gap which currently begins after $2,700 is spent on drugs. Coverage starts again after $6,154 is spent.
  • A tax credit becomes available for some small businesses to help provide coverage for workers.
  • A 10 percent tax on indoor tanning services that use ultraviolet lamps goes into effect on July 1. WHAT HAPPENS IN 2011
  • Medicare provides 10 percent bonus payments to primary care physicians and general surgeons.
  • Medicare beneficiaries will be able to get a free annual wellness visit and personalized prevention plan service. New health plans will be required to cover preventive services with little or no cost to patients.
  • A new program under the Medicaid plan for the poor goes into effect in October that allows states to offer home and community based care for the disabled that might otherwise require institutional care.
  • Payments to insurers offering Medicare Advantage services are frozen at 2010 levels. These payments are to be gradually reduced to bring them more in line with traditional Medicare.
  • Employers are required to disclose the value of health benefits on employees' W-2 tax forms.
  • An annual fee is imposed on pharmaceutical companies according to market share. The fee does not apply to companies with sales of $5 million or less.

WHAT HAPPENS IN 2012

  • Physician payment reforms are implemented in Medicare to enhance primary care services and encourage doctors to form "accountable care organizations" to improve quality and efficiency of care.
  • An incentive program is established in Medicare for acute care hospitals to improve quality outcomes.
  • The Centers for Medicare and Medicaid Services, which oversees the government programs, begin tracking hospital readmission rates and puts in place financial incentives to reduce preventable readmissions. WHAT HAPPENS IN 2013
  • A national pilot program is established for Medicare on payment bundling to encourage doctors, hospitals and other care providers to better coordinate patient care.
  • The threshold for claiming medical expenses on itemized tax returns is raised to 10 percent from 7.5 percent of income. The threshold remains at 7.5 percent for the elderly through 2016.
  • The Medicare payroll tax is raised to 2.35 percent from 1.45 percent for individuals earning more than $200,000 and married couples with incomes over $250,000. The tax is imposed on some investment income for that income group.
  • A 2.9 percent excise tax in imposed on the sale of medical devices. Anything generally purchased at the retail level by the public is excluded from the tax.

WHAT HAPPENS IN 2014

  • State health insurance exchanges for small businesses and individuals open.
  • Most people will be required to obtain health insurance coverage or pay a fine if they don't. Healthcare tax credits become available to help people with incomes up to 400 percent of poverty purchase coverage on the exchange.
  • Health plans no longer can exclude people from coverage due to pre-existing conditions.
  • Employers with 50 or more workers who do not offer coverage face a fine of $2,000 for each employee if any worker receives subsidized insurance on the exchange. The first 30 employees aren't counted for the fine.
  • Health insurance companies begin paying a fee based on their market share.

WHAT HAPPENS IN 2015

  • Medicare creates a physician payment program aimed at rewarding quality of care rather than volume of services.

WHAT HAPPENS IN 2018

  • An excise tax on high cost employer-provided plans is imposed. The first $27,500 of a family plan and $10,200 for individual coverage is exempt from the tax. Higher levels are set for plans covering retirees and people in high risk professions.

(Reporting by Donna Smith; Editing by David Alexander and Eric Beech)

http://www.reuters.com/article/idUSN1914020220100319



This is identical in many respects to the legislation proposed by the GOP during the Clinton Era.


See:

http://www.kaiserhealthnews.org/Stories/2010/February/23/GOP-1993-health-reform-bill.aspx



Edited by Bolt3 - 22 March 2010 at 3:01pm
<Removed sig for violation of Clause 4 of the New Sig Rules>
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