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The IPAB(Independent Payment Advisory Board). This ghoulish board will decide what procedures are necessary and which ones are not from Washington D.C. See my thread on the horrible death panel called the IPAB.
- It allows the Food and Drug Administration to approve more generic drugs (making for more competition in the market to drive down prices) ( Citation: An entire section of the bill, called Title VII, is devoted to this, starting on page 766 )
- It increases the rebates on drugs people get through Medicare (so drugs cost less) ( Citation: Page 235, sec. 2501 )
- It establishes a non-profit group, that the government doesn't directly control, PCORI, to study different kinds of treatments to see what works better and is the best use of money. ( Citation: Page 684, sec. 1181 )
- It makes chain restaurants like McDonalds display how many calories are in all of their foods, so people can have an easier time making choices to eat healthy. ( Citation: Page 518, sec. 4205 )
- It makes a "high-risk pool" for people with pre-existing conditions. Basically, this is a way to slowly ease into getting rid of "pre-existing conditions" altogether. For now, people who already have health issues that would be considered "pre-existing conditions" can still get insurance, but at different rates than people without them. ( Citation: Page 49, sec. 1101, Page 64, sec. 2704, and Page 65, sec. 2702 )
- It forbids insurance companies from discriminating based on a disability, or because they were the victim of domestic abuse in the past (yes, insurers really did deny coverage for that) ( Citation: Page 66, sec. 2705 )
- It renews some old policies, and calls for the appointment of various positions.
- It creates a new 10% tax on indoor tanning booths. ( Citation: Page 942, sec. 5000B )
- It says that health insurance companies can no longer tell customers that they won't get any more coverage because they have hit a "lifetime limit". Basically, if someone has paid for health insurance, that company can't tell that person that he's used that insurance too much throughout his life so they won't cover him any more. They can't do this for lifetime spending, and they're limited in how much they can do this for yearly spending. ( Citation: Page 33, sec. 2711 )
- Kids can continue to be covered by their parents' health insurance until they're 26. ( Citation: Page 34, sec. 2714 )
- No more "pre-existing conditions" for kids under the age of 19. ( Citation: Page 64, sec. 2704 and Page 76, sec. 1255 )
- Insurers have less ability to change the amount customers have to pay for their plans. ( Citation: Page 66, sec. 2794 )
- People in a "Medicare Gap" get a rebate to make up for the extra money they would otherwise have to spend. ( Citation: Page 398, sec. 3301 )
- Insurers can't just drop customers once they get sick. ( Citation: Page 33, sec. 2712 )
- Insurers have to tell customers what they're spending money on. (Instead of just "administrative fee", they have to be more specific).
- Insurers need to have an appeals process for when they turn down a claim, so customers have some manner of recourse other than a lawsuit when they're turned down. ( Citation: Page 42, sec. 2719 )
- Anti-fraud funding is increased and new ways to stop fraud are created. ( Citation: Page 718, sec. 6402 )
- Medicare extends to smaller hospitals. ( Citation: Starting on page 363, the entire section "Part II" seems to deal with this )
- Medicare patients with chronic illnesses must be monitored more thoroughly.
- Reduces the costs for some companies that handle benefits for the elderly. ( Citation: Page 511, sec. 4202 )
- A new website is made to give people insurance and health information. (I think this is it: www.healthcare.gov... ). ( Citation: Page 55, sec. 1103 )
- No more "pre-existing conditions". At all. People will be charged the same regardless of their medical history. ( Citation: Page 64, sec. 2704, Page 65, sec. 2701, and Page 76, sec. 1255 )
- If you can afford insurance but do not get it, you will be charged a fee. This is the "mandate" that people are talking about. Basically, it's a trade-off for the "pre-existing conditions" bit, saying that since insurers now have to cover you regardless of what you have, you can't just wait to buy insurance until you get sick. Otherwise no one would buy insurance until they needed it. You can opt not to get insurance, but you'll have to pay the fee instead, unless of course you're not buying insurance because you just can't afford it. (Note: On 6/28/12, the Supreme Court ruled that this is Constitutional, as long as it's considered a tax on the uninsured and not a penalty for not buying insurance... nitpicking about wording, mostly, but the long and short of it is, it looks like this is accepted by the courts) ( Citation: Page 164, sec. 5000A, and here is the actual court ruling for those who wish to read it. )
- Insurers now can't do annual spending caps. Their customers can get as much health care in a given year as they need. ( Citation: Page 33, sec. 2711 )
- Limits how high of an annual deductible insurers can charge customers. ( Citation: Page 81, sec. 1302 )
- Cut some Medicare spending
- Place a $2500 limit on tax-free spending on FSAs (accounts for medical spending). Basically, people using these accounts now have to pay taxes on any money over $2500 they put into them. ( Citation: Page 820, sec. 9005 )
- Establish health insurance exchanges and rebates for the lower and middle-class, basically making it so they have an easier time getting affordable medical coverage. ( Citation: Page 107, sec. 1311 )
- Congress and Congressional staff will only be offered the same insurance offered to people in the insurance exchanges, rather than Federal Insurance. Basically, we won't be footing their health care bills any more than any other American citizen. ( Citation: Page 100, sec. 1312 )
- A new tax on pharmaceutical companies.
- A new tax on the purchase of medical devices.
- A new tax on insurance companies based on their market share. Basically, the more of the market they control, the more they'll get taxed.
Originally posted by Sulie
i'll tell you what.............there was such an outrage in Arizona over illegals with children receiving benefits, while tax paying citizens were denied.........lawsuit after lawsuit........
It's gong to get dirty and nasty, because while illegals in Arizona were receiving benefits, single people in Arizona who had paid taxes were denied unless they had a catastrophic illness........like cancer.
It has been eye opening for people who pay taxes in this state, and outrageous!
Originally posted by xuenchen
We know from reading the PPACA law that much power has been delegated to HHS.
HHS is the one creating all these boards and panels.
Has anyone seen a complete list of HHS authorities ?
Especially Medicare related powers.
Many HHS authority may not be "reversible" by Congress ?
And I wonder what future administrations will do with present rules and regulations set up by HHS?
Obamacare has death panels!: That sounds so cartoonishly evil it must be true, right? Well, no. No part of the bill says anything about appointing people to decide whether or not someone dies. The decision over whether or not your claim is approved is still in the hands of your insurer. However, now there's an appeals process so if your claim gets turned down, you can challenge that. And the government watches that appeals process to make sure it's not being unfair to customers. So if anything the PPACA is trying to stop the death panels. ( Citation: Page 42, sec. 2719 )
What about the Independent Medical Advisory Board? Death Panels!: The Independent Medical Advisory Board is intended to give recommendations on how to save Medicare costs per person, deliver more efficient and effective care, improve access to services, and eliminate waste. However, they have no real power. They put together a recommendation to put before Congress, and Congress votes on it, and the President has power to veto it. What's more, they are specifically told that their recommendation will not ration health care, raise premiums or co-pays, restrict benefits, or restrict eligibility. In other words, they need to find ways to save money without reducing care for patients. So no death panels. In any sense of the (stupid) term. ( Citation: Page 426, sec. 3403 )
Originally posted by seeker1963
If you can't find a doctor to accept you, how is that NOT cutting benefits??? I will say it again, "GO AND TALK TO YOUR DOCTOR!".
Originally posted by Sulie
i'll tell you what.............there was such an outrage in Arizona over illegals with children receiving benefits, while tax paying citizens were denied.........lawsuit after lawsuit........
It's gong to get dirty and nasty, because while illegals in Arizona were receiving benefits, single people in Arizona who had paid taxes were denied unless they had a catastrophic illness........like cancer.
It has been eye opening for people who pay taxes in this state, and outrageous!
Originally posted by neoholographic
Secondly, if you cut money that goes to healthcare providers then you're cutting benefits. It's a way to try and say you're not cutting benefits but you're cutting money that goes to the people that give out those benefits.
How do you think they will make up the cost? Some of them will stop accepting Medicare patients while others will reduce services for Medicare patients.
Obamacare is designed to kill Grandma and take money away from the elderly healthcare providers because they use too many healthcare services and put that money into younger, uninsured people that don't use a lot of healthcare.
Congress and Congressional staff will only be offered the same insurance offered to people in the insurance exchanges, rather than Federal Insurance. Basically, we won't be footing their health care bills any more than any other American citizen. ( Citation: Page 100, sec. 1312 )
Originally posted by beezzer
reply to post by neoholographic
The ACA will be the death knell for far more than the elderly.
But S&F for posting this.
Originally posted by neoholographic
reply to post by queenannie38
Everything you copied and pasted is just nonsense. This occurs because people don't understand the system so they copy and paste large portions of talking points.
For instance, you said:
Congress and Congressional staff will only be offered the same insurance offered to people in the insurance exchanges, rather than Federal Insurance. Basically, we won't be footing their health care bills any more than any other American citizen. ( Citation: Page 100, sec. 1312 )
Again, this just means they will be OFFERED the same insurance as the exchanges. Most of them will not take it but the American people will not have this choice. They will be forced into the exchanges.
(D) MEMBERS OF CONGRESS IN THE EXCHANGE.—
(i) REQUIREMENT.—Notwithstanding any other
provision of law, after the effective date of this sub-
title, the only health plans that the Federal Govern-
ment may make available to Members of Congress and
congressional staff with respect to their service as a
Member of Congress or congressional staff shall be
health plans that are—
(I) created under this Act (or an amendment
made by this Act); or
(II) offered through an Exchange established
under this Act (or an amendment made by this
Act).
(ii) DEFINITIONS.—In this section:
(I) MEMBER OF CONGRESS.—The term ‘‘Mem-
ber of Congress’’ means any member of the House
of Representatives or the Senate.
(II) CONGRESSIONAL STAFF.—The term ‘‘con-
gressional staff’’ means all full-time and part-time
employees employed by the official office of a
Member of Congress, whether in Washington, DC
or outside of Washington, DC.
According to the Congressional Research Service, the FEHBP offers about 300 different private health care plans, including five government-wide, fee-for-service plans and many regional health maintenance organization (HMO) plans, plus high-deductible, tax-advantaged plans. All plans cover hospital, surgical and physician services, and mental health services, prescription drugs and “catastrophic” coverage against very large medical expenses. There are no waiting periods for coverage when new employees are hired, and there are no exclusions for preexisting conditions. The FEHBP negotiates contracts annually with all insurance companies who wish to participate. There is plenty of competition for the business; FEHBP is the largest employer-sponsored health plan in the U.S.
As President Bush’s chief of personnel Kay Coles James said in 2003, while lecturing at the conservative Heritage Foundation, “the FEHB program is not centralized, government-run health care.” It has drawn praise both from conservatives and liberals, including President Obama, who held it up as a model for his own health care proposals.
So Obama and the Democrats are basically killing people as they get older because they use more health care.
Doctors have to do a lot of tests to find out what's wrong with you. For instance, I had a friend go to the Doctor because he was having a persistent headache. The Doctors did blood work and test and found out he had a tumor. They caught it early and now he's doing fine. Doctors are not psychics so they have to do these tests.
Originally posted by neoholographic
Is there abuse? Yes. But you don't need a death panel like the IPAB board to try and fix the problem. The Independent payment advisory board is designed to slow life expectancy. It's basically death panels. This board will decide what procedures can and can't be done. There decisions are basically final. It will be almost impossible to overturn their decisions. Judicial review of the IPAB board is prohibited by Obamacare. These will be 15 unelected officials with unlimited power.
The reason Obama takes 716 billion from Medicare is to basically take services away from the elderly and spread that money to the uninsured who are mostly young people that don't use a lot of healthcare. Again, Obama said they were cuts and they are.
YOU CAN'T CUT MONEY TO HEALTH CARE PROVIDERS WHO GIVE OUT THE BENEFITS TO THOSE ON MEDICARE AND NOT EXPECT THE BENEFITS OF THOSE ON MEDICARE TO BE CUT!
So, you take from the elderly because they use more healthcare than the younger, uninsured. It's a horrible and GHOULISH way to do this.
Basically the elderly have become enemies of the state to Obama and the Democrats because they're living longer and that threatens Social Security and Medicare.
Originally posted by Annee
Originally posted by seeker1963
I rarely see a doctor for anything unless I am deathly sick or in severe pain. Maybe been to a doctor twice in the past 7 years. The last time I went, I called to make my appointment and one of the first things I was asked, "Are you already a patient?".
I didn't go to a doctor for 12 years. I just recently went because once you go on Medicare you get a free physical if you do it within the year.
I searched online for a doctor taking new patience with Medicare. Love my doc. Great choice.
I really think we're doctor happy. I think its weird people go to a doctor for a cold.
Anyway - - mostly when people are complaining about "killing gramma" - - - they're talking about the provision of not extending life. Which I fully agree with.
President Obama struggled to explain today whether his health care reform proposals would force normal Americans to make sacrifices that wealthier, more powerful people -- like the president himself -- wouldn't face.
The probing questions came from two skeptical neurologists during ABC News' special on health care reform, "Questions for the President: Prescription for America," anchored from the White House by Diane Sawyer and Charles Gibson.
Dr. Orrin Devinsky, a neurologist and researcher at the New York University Langone Medical Center, said that elites often propose health care solutions that limit options for the general public, secure in the knowledge that if they or their loves ones get sick, they will be able to afford the best care available, even if it's not provided by insurance.
Devinsky asked the president pointedly if he would be willing to promise that he wouldn't seek such extraordinary help for his wife or daughters if they became sick and the public plan he's proposing limited the tests or treatment they can get.
The president refused to make such a pledge, though he allowed that if "it's my family member, if it's my wife, if it's my children, if it's my grandmother, I always want them to get the very best care."
"Oftentimes we know what makes sense and what doesn't," the president responded, making a push for evidence-based medicine.