The same benefit of the health reform keeps getting repeated over and over again: Insurance companies can no longer deny people for pre-existing
conditions. Most of us would agree this is a good thing. But I have some questions about other things we don't seem to be hearing a lot about.
1). Is there anything in this bill that caps the cost of premiums or deductible? For instance, let's say a family of four is forced to pay $700 a
month for an insurance plan under this new bill. One of them becomes ill. But their deductible is $5,000. They can't afford it. So it seems they were
forced to purchase insurance but will not be able to use that insurance because they can't afford the deductible.
2). A family of four in the lower income bracket receives credits to pay for an insurance plan. However, they have the same problem as the family
above. They have a $5,000 deductible. Exactly how does this bill help them?
3). Businesses under this plan will be required to provide their employees with insurance. Of course, this will probably result in a spike in
unemployment when companies have to lay off employees in order to afford the new tax increases and forced insurance plans. So we'll have uninsured
unemployed people. But beyond that, what is to stop these companies from buying the cheapest plans possible and leaving the employees with
a $10,000 deductible?
The health reform bill that just passed is very similar to health care in Massachusetts on which the national bill was modeled. In other words, it
seems this plan has already been tested on a small scale but has some severe problems.
1). IT'S NOT ECONOMICALLY SUSTAINABLE
Mass.-type health care could wipe out economy, state Treasurer
Timothy Cahill says
2). SOME CANNOT AFFORD TO PAY THEIR DEDUCTIBLES OR USE THEIR INSURANCE
BOSTON – The Massachusetts treasurer said Tuesday that Congress will “threaten to wipe out the American economy within four years” if it
adopts a health-care overhaul modeled after the Bay State’s.
Treasurer Timothy P. Cahill – a former Democrat running as an independent for governor – said the local plan enacted in 2006 has succeeded only
because of huge subsidies and favorable regulatory changes from the federal government.
“Who, exactly, is going to bail out the federal government if this plan goes national?” he asked.
Medical costs still burden many despite
Although far more Massachusetts residents have health insurance coverage than residents nationwide, a significant portion of Bay Staters are still
struggling to pay for needed healthcare, a new survey shows...
Thirteen percent of residents with insurance said they were unable to pay for some health services in the past year. The same percentage of insured
people said they did not fill at least one prescription because it was too expensive or their insurance copayment was too high. The numbers rise to 14
percent if both insured and uninsured residents are considered.
with 97 percent of Massachusetts adults reporting they have some sort of insurance, according to the survey. Yet for some that did not translate into
getting needed care.
Gruber Doesn’t Reveal that
21% of MA Residents Can’t Afford Health Care
It showed that 21% of the total population–and even 12% of children–forgo necessary medical care because they cannot afford it. Of the 21%
forgoing care, most (something like 18 or 19%) have health insurance–but it is health insurance they can’t afford to use.
People with robust health insurance are putting off doctors’ appointments and skimping on prescriptions because they can’t afford the
increasing costs of copayments and deductibles, according to managers of patient-assistance hot lines in Massachusetts.
So, exactly how is this bill really supposed to help the common man and not just the insurance companies?
1). Is there a cap on premiums/deductibles?
2). What prevents companies from buying their employees cheap plans that come with a $5K-10K deductible and extremely high co-pays?
3). How will the problems that are taking place in Massachusetts be different on a national scale?
Does anyone have any insight on these questions/issues?
IMO, it seems like all this bill really did was raise taxes, pass crazy legislation that forces citizens to purchase something against their will (or
out of their budget) or face fines, benefits the insurance companies when they accept their payments from their clients but won't have to pay out
when clients can't afford deductibles and co-pays, etc.
The only good thing about it is the fact we can't be denied for pre-existing conditions. But nothing was done to include tort reform, nothing was
done to regulate the crazy costs of medical care itself ($75 for an aspirin at the hospital for example), inflated prescription medicine costs from
pharmaceutical companies, to ensure people would be able to afford to actually use their insurance once they were forced to purchase it, etc. Or was
there? Honest question.