Okay, we've all seen the chain "scare the hell out of everyone" emails promising gloom and doom, and the end of American civilization. The most
paranoid interpretations possible of the bill are being passed around like a giant bong at a Grateful Dead concert.
Howzabout we have the democratic response, now.... And no, I didn't write it, but I sure read it.
This is the link to the original forum in which I found the analysis of the bill.
Why you should READ bills...
Pg 22 of the Bill MANDATES the Govt will audit books of ALL EMPLOYERS that self insure!!
Page 22 talks about a government STUDY on different forms of health care coverage. .. Particularly Large group insured and self insured employer based
The difference between them and the risks faced by the self insured being able to pay obligations or otherwise becoming financially insolvent. Etc.
NOWHERE on that page does it talk about auditing self insured businesses books.
> Pg 30 Sec 123 of bill - THERE WILL BE A GOVT COMMITTEE that decides what treatments/benefits you receive.
This talks about a government ADVISORY committee for both private and public options to RECOMMEND covered benefits and essential , enhanced and
Premiume (in otherwords, to advise what level certain things falls under etc..
> Pg 29 lines 4-16 in the HC bill - YOUR HEALTHCARE IS RATIONED.
Rationed? NO. .this sets a STANDARD of CARE for the ESSENTIAL BENEFITS Package as defined in another section.. in otherwords.. a level of insurance
that is the MINIMUM acceptable to be considered GOOD coverage and NOT underinsurance. As a matter of fact.. here is a line from the previous page
under that section
10 does not impose any annual or lifetime limit
11 on the coverage of covered health care items and
The subsequent sections also talk about what insurance has to cover MINIMALLY.. and INCLUDES maternity.. WHICH .. BTW. Is not ALWAYS covered under
every plan available NOW!
It limits cost sharing.. in otherwords.. out of pocket expenses for the insured individual so as not to be exorbetent and therefore overly expensive
making insurance at the MINIMUM level much more expensive BEYOND the monthly premiums for the insured.
And.. those lines you are referring to.. talk about MAXIMUMS that cost sharing.. ie: money out of the insureds pocket CAN NOT EXCEED.. NOWHERE in
there does it mention ANYTHING about rationing care!!!
> Pg 42 of HC Bill - The Health Choices Commissioner will choose your Health care Benefits for you. You have no choice in the decision.
WOW.. they really know how to twist things don’t they.
His job is to make sure that INSURANCE PLANS THAT ARE OUT THERE AND OFFERED ON THE EXCHANGE MEET THE MINIMUM STANDARD SET FORTH AND AS MENTIONED
Again.. this is in response to plans that basically offer NOTHING.. THIS is so that ALL OF US who purchase insurance can be CONFIDENT that there is a
MINIMUM STANDARD with things SET OUT that we KNOW will be covered at the very BASIC standard level!!!
He is also in charge of setting up the exchange of plans.. in otherwords.. all those submitted into the exchange comply with the law in regards to
cost sharing/ standards/etc.
> PG 50 Section 152 in HC bill - Healthcare will be provided to ALL non US citizens, illegal or otherwise.
NO.. it says that INSURANCE on the exchange can not be denied for discriminatory reasons.. in otherwords and illegal immigrant CAN purchase insurance.
NOWHERE in there does it even USE the words illegal and immigrant. ..
> Pg 58 - Govt will have real-time access to individual finances & a National ID Healthcard will be issued.
Here is the text you are referring to
enable the real-time (or near real6
time) determination of an individual’s financial
7 responsibility at the point of service and, to the
8 extent possible, prior to service, including
9 whether the individual is eligible for a specific
10 service with a specific physician at a specific fa11
cility, which may include utilization of a ma12
chine-readable health plan beneficiary identi13
Nowhere in there does it say ANYTHING About a National health Care CARD.. ONLY a BENEFITS CARD..which is basically your insurance ID card and talks
about REAL TIME availability of information right there about what you are covered for and what your charges are. It cuts down on the paperwork.. and
> Pg 59 HC Bill lines 21-24 Govt will have direct access to your bank accounts for direct funds transfers.
NO.. it talks about standardized electronic Adminstrative Transactions.. in otherwords the Dr.s office and/or insurance company will automatically
deduct your copay from your card. If you are on a government plan, then the government plan will withdraw your funds electronically ( ore really the
doctor will at the point of transaction) this also eliminates paperwork.
BTW.. the DR. is the one who collects the copays NOT the insurance company be it a private or public company. AND. FYI .. most likely any insurance
company ALREADY knows your bank account numbers etc… because it is there whenever you pay your bill!!
> PG 65 Sec 164 is a payoff subsidized plan for retirees and their families in Unions & community orgs (ACORN).
to provide reim19
bursement to assist participating employment-based
20 plans with the cost of providing health benefits to
21 retirees and to eligible spouses, surviving spouses
22 and dependents of such retirees.
Huh? Acorn.. so Acorn is the only employer, employee group out there that provides insurance to retirees?? Yeah.. okay.. not one mention of ACORN in
there AT ALL.
> Pg 72 Lines 8-14 Govt is creating a Healthcare Exchange to bring private healthcare plans under Govt control.
No.. it’s setting up the exchange to make sure that plans SOLD to consumers meets the MINIMUM STANDARD of insurance.. Do you know how many people
have insurance that is basically WORTHLESS and covers absolutely NOTHING of any substance?? And then that person thinking they were “insured” is
actually NOT!! Not really?
It’s basically acting as a HUB of choices for individuals and businesses. AND in order to BE in that “exchange” you MUST meet quality standards
set forth by the government. Simple to understand and it makes much sense!!
To be continued....
[edit on 8/13/2009 by Nightflyer28]