US Health Reform

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3s.WyldGoat
 
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US Health Reform

Postby 3s.WyldGoat on Tue Mar 16, 2010 1:26 pm

So I enjoy reading you guys' points of view on different topics and how you butt heads and it becomes a shit throwing thread. How come I haven't seen anything in regards to Obama's health care?

I'm curious to see the pro/vs point of view on this.

Ding ding ding! Fight!

-wicked-toon-X
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Re: US Health Reform

Postby -wicked-toon-X on Tue Mar 16, 2010 1:43 pm

i don't know if there is a way to make heads or tail of most of the health care debate to tell the truth.

i mean everyone will have their opinion and as much as i keep with this stuff i can't imagine i know jack shit about
what this all encompasses. i know there are plenty of things that aren't right now but as far as what to do to fix
them...

James
 
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Re: US Health Reform

Postby James on Wed Mar 17, 2010 2:45 pm

part of the problem is that no one knows whats really in it. other than some kick backs for certain districts and etc. No one quite knows what it is going to do. The CBO should have thier numbers out today so we'll see. My only problem with it is that they have not put in any of the Conservative requests, like tort reform yet. Once they pass it there is nothing that says they have to put that in.

MaDSpartus
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Re: US Health Reform

Postby MaDSpartus on Wed Mar 17, 2010 4:24 pm

my understanding is that they have stapled hundreds of unrelated things to it to get support.

i was reading today that one of the people who flipped to voting yes is only flipping because they put in restrictions on abortions and he went to seminary school or something and votes for everything anti-abortion automatically

Cane
 
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Re: US Health Reform

Postby Cane on Wed Mar 17, 2010 7:24 pm

I like the plan, I've read a huge gist of it and it's good stuff. My only concern is I want solid concrete ways of how we're going to pay it back.

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Re: US Health Reform

Postby James on Mon Mar 22, 2010 10:09 am

well it passed..., :shock: <sarcastic shock face now we'll see how good or bad it is. Prolly somewhere in the middle as usual.

buzz
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Re: US Health Reform

Postby buzz on Mon Mar 22, 2010 12:01 pm

In the end, I think we're going to find that it's a whole lot of no-big-deal.

HangOver
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Re: US Health Reform

Postby HangOver on Mon Mar 22, 2010 1:39 pm

on the surface, to me, it seems like a giant step backwards. however, the status quo just wasn't cutting it so we have to try SOMETHING. to me though, it seems like this bill helps the insurance companies, not the american people.

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Re: US Health Reform

Postby buzz on Mon Mar 22, 2010 2:25 pm

Summary of the bill... I don't think any of it applies to me, some stuff applies to people I know and in a positive way which I'm happy for. Some stuff, I don't agree with but can only hope it's for the greater good. I am concerned that my insurance bill is going to go up, hopefully not by much but from what I've read, it would be worse to do nothing. FYI - For a family of 4, I pay around $500/mnth to health insurance.

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)

buzz
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Re: US Health Reform

Postby buzz on Mon Mar 22, 2010 2:34 pm

Not listed but also..

Reduces deficit $136 billion over first ten years, then $1.3 trillion the next ten.
No public option but I believe they're going to go down that road in a separate bill. However, states are allowed to create their own government run insurance programs as a result of this legislation. sauce

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Re: US Health Reform

Postby James on Mon Mar 22, 2010 3:46 pm

buzz wrote:A 10 percent tax on indoor tanning services that use ultraviolet lamps goes into effect on July 1.


Well its about damn time!

buzz
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Re: US Health Reform

Postby buzz on Mon Mar 22, 2010 4:35 pm

That was a weird one for me but I figure thats why Boehner hated this bill so much.

HangOver
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Re: US Health Reform

Postby HangOver on Mon Mar 22, 2010 5:18 pm

i'm guessing they are saying that artificial tanning causes health issues so they should be penalized. seems silly to me. while we're at it, lets tax the sun too.

awp-killer
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Re: US Health Reform

Postby awp-killer on Mon Mar 22, 2010 11:42 pm

Cane wrote:I like the plan, I've read a huge gist of it and it's good stuff. My only concern is I want solid concrete ways of how we're going to pay it back.

You can't do all this health care reform without money.

The health care overhaul gets money from letting the bush tax cuts expire on people making over 250k. It also gets revenue from taxing Cadillac health plans, and through negotiations with the pharmaceutical industry (~$80b) and health care industry (~$100b+). And finally it gets a bump from an extra 30-40 million "customers". So all this money comes from somewhere, just maybe not "your" paycheck.

With that, we can afford to:
· Get (near) universal health care
· Ban the exclusion of pre-existing conditions
· Create a Health Insurance Exchange to compare health plans (much like how you can go to Expedia to shop for the lowest airline tickets)
· Make health insurance affordable to the poor (i.e. cover their premiums…It still isn't "free". They still have copays, deductibles, etc.)
· Ban insurance companies from putting lifetime limits on what they will pay, and bans insurance companies from dropping you if you get sick.
· Reduce the deficit by $130b over ten years, and another ~$1T over the next ten years, according to the CBO.

Some of the benefits go into effect immediately. But as Buzz points out, some of the things don't get implemented until 2014. That's because the first few years are expensive, so we have to push those back a little while we save up for it. But don't worry, because after that the revenue starts rolling in faster than the costs, by quite a bit. As long as we don't mess with it, that is.

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Re: US Health Reform

Postby 3s.WyldGoat on Tue Mar 23, 2010 8:32 am

Is anyone here opposed to the bill? I've been watching the Reps talk absolute shit about it, and wondering if it's the same for the Reps over here.

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