Defend Your Health Care

[Skull Pilot]

I have yet to see an answer.

the fact is I won't be able to keep the plan i have now. and i will be fined thousands of dollars if i don't have an acceptable plan.

Those are the truths you are refusing to acknowledge.

No, you won't be forced to give up your current plan. And your questions were answered. You're refusing to accept them.

the bill is written so as to make many current plans unacceptable.

If you bothered to read it you would see that.

Oh sure, i cam keep my plan but if it changes at all in any way, it will be deemed unacceptable.

it doesn't matter if i am OK with the changes.

And when , not if, the government deems a plan unacceptable anyone on such a plan will be fined.

So yeah you're right I can keep my unacceptable insurance as long as i don't mind paying and extra 2.5% of my AGI to the government.

 

[OneWorld]

the bill is written so as to make many current plans unacceptable.

If you bothered to read it you would see that.

Oh sure, i cam keep my plan but if it changes at all in any way, it will be deemed unacceptable.

it doesn't matter if i am OK with the changes.

And when , not if, the government deems a plan unacceptable anyone on such a plan will be fined.

So yeah you're right I can keep my unacceptable insurance as long as i don't mind paying and extra 2.5% of my AGI to the government.

Are you interested in understanding the truth, or just regurgitating right-wing lies they're feeding you? Because if you don't really want to know, then I won't waste my typing.

The provision is in place so that your insurer can't change your policy outside of new regulations. The regulations are things such as they can't deny you care for pre-existing conditions, etc... it's in place to protect you. This is part of health care reform, making sure that insurers live up to their end of the bargain, and it's one of the stipulations that will be put in place from that point forward. Read it a little further.

They are trying to confuse and lie to you on purpose.

 

[OneWorld]

These are some of the changes your insurance company will have to abide by IF they change their policies:

* No Discrimination for Pre-Existing Conditions
* Insurance companies will be prohibited from refusing you coverage because of your medical history.
* No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
* Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
* No Cost-Sharing for Preventive Care
* Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
* No Dropping of Coverage for Seriously Ill
* Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.
* No Annual or Lifetime Caps on Coverage
* Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.
* Guaranteed Insurance Renewal
* Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.


Is it making sense yet... click on any level for you? Because do you know what the consequence of this means? Wonder if you can put 2 and 2 together and understand why the insurance company and Republicans are flodding your head with lies and false information?

 

[Skull Pilot]

the bill is written so as to make many current plans unacceptable.

If you bothered to read it you would see that.

Oh sure, i cam keep my plan but if it changes at all in any way, it will be deemed unacceptable.

it doesn't matter if i am OK with the changes.

And when , not if, the government deems a plan unacceptable anyone on such a plan will be fined.

So yeah you're right I can keep my unacceptable insurance as long as i don't mind paying and extra 2.5% of my AGI to the government.

Are you interested in understanding the truth, or just regurgitating right-wing lies they're feeding you? Because if you don't really want to know, then I won't waste my typing.

The provision is in place so that your insurer can't change your policy outside of new regulations. The regulations are things such as they can't deny you care for pre-existing conditions, etc... it's in place to protect you. This is part of health care reform, making sure that insurers live up to their end of the bargain, and it's one of the stipulations that will be put in place from that point forward. Read it a little further.

They are trying to confuse and lie to you on purpose.

Excuse me,

I am not listening to any "right" or "left" wing spin machines.

I read the bill, did you?

the bill clearly states that If my current insurance changes in any way it will be considered unacceptable and i will be fined if I have unacceptable insurance.

The preexisting condition stuff does not apply. if i have insurance with company X and i get sick i still get to keep my insurance with company X because as far as company X is concerned i do not have a preexisting condition.

However if my policy changes one iota, the government will deem it unacceptable and again I will be fined.

For example if my current policy changes to increase a co pay on substance abuse counseling, even though I don't use substance abuse counseling and hence don't care if the co pay goes up, the government will still call my insurance unacceptable and will fine me if i keep it.

 

[Skull Pilot]

These are some of the changes your insurance company will have to abide by IF they change their policies:

* No Discrimination for Pre-Existing Conditions
* Insurance companies will be prohibited from refusing you coverage because of your medical history.
* No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
* Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
* No Cost-Sharing for Preventive Care
* Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
* No Dropping of Coverage for Seriously Ill
* Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.
* No Annual or Lifetime Caps on Coverage
* Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.
* Guaranteed Insurance Renewal
* Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.


Is it making sense yet... click on any level for you? Because do you know what the consequence of this means? Wonder if you can put 2 and 2 together and understand why the insurance company and Republicans are flodding your head with lies and false information?

What do you not understand about being fined for an "unacceptable"insurance plan?

Again this is from the bill

GRANDFATHERED HEALTH INSURANCE COV4
ERAGE DEFINED.—Subject to the succeeding provisions of
5 this section, for purposes of establishing acceptable cov
6erage under this division, the term ‘‘grandfathered health
7 insurance coverage’’ means individual health insurance
8 coverage that is offered and in force and effect before the
9 first day of Y1 if the following conditions are met:
10 (1) LIMITATION ON NEW ENROLLMENT.—
11 (A) IN GENERAL.—Except as provided in
12 this paragraph, the individual health insurance
13 issuer offering such coverage does not enroll
14 any individual in such coverage if the first ef
15fective date of coverage is on or after the first
16 day of Y1.
17 (B) DEPENDENT COVERAGE PER18
MITTED.—Subparagraph (A) shall not affect
19 the subsequent enrollment of a dependent of an
20 individual who is covered as of such first day.
21 (2) LIMITATION ON CHANGES IN TERMS OR
22 CONDITIONS.—Subject to paragraph (3) and except
23 as required by law, the issuer does not change any
24 of its terms or conditions, including benefits and
25 cost-sharing, from those in effect as of the day be26
fore the first day of Y1

So again you can keep your non approved insurance only if there are no changes in deductibles or co pays even if those changes are fine with you.

If any changes are made you must change to a government approved plan.

if you are not on a government approved plan or you choose to go without insurance.

TAX ON INDIVIDUALS WITHOUT ACCEPTABLE
11 HEALTH CARE COVERAGE.
12 (a) IN GENERAL.—Subchapter A of chapter 1 of the
13 Internal Revenue Code of 1986 is amended by adding at
14 the end the following new part:
15 ‘‘PART VIII—HEALTH CARE RELATED TAXES
‘‘SUBPART A. TAX ON INDIVIDUALS WITHOUT ACCEPTABLE HEALTH CARE
COVERAGE.
16 ‘‘Subpart A—Tax on Individuals Without Acceptable
17 Health Care Coverage
‘‘Sec. 59B. Tax on individuals without acceptable health care coverage.
18 ‘‘SEC. 59B. TAX ON INDIVIDUALS WITHOUT ACCEPTABLE
19 HEALTH CARE COVERAGE.
20 ‘‘(a) TAX IMPOSED.—In the case of any individual
21 who does not meet the requirements of subsection (d) at
22 any time during the taxable year, there is hereby imposed
23 a tax equal to 2.5 percent of the excess of—
VerDate Nov 24 2008 23:22 Jul 14, 2009 Jkt 079200 PO 00000 Frm 00167 Fmt 6652 Sfmt 6201 E:\BILLS\H3200.IH H3200 jlentini on DSKJ8SOYB1PROD with BILLS
168
•HR 3200 IH
1 ‘‘(1) the taxpayer’s modified adjusted gross in2
come for the taxable year, over
3 ‘‘(2) the amount of gross income specified in
4 section 6012(a)(1) with respect to the taxpayer.
5 ‘‘(b) LIMITATIONS.—
6 ‘‘(1) TAX LIMITED TO AVERAGE PREMIUM.—
7 ‘‘(A) IN GENERAL.—The tax imposed
8 under subsection (a) with respect to any tax9
payer for any taxable year shall not exceed the
10 applicable national average premium for such
11 taxable year.

[/B]

You will be assessed a fine in the form of a tax if you do not have "acceptable" insurance

so I cannot keep what i have now and i will be forced to choose a government approved plan or else have to pay a fine

What don't you understand about that?

 

[ba1614]

These are some of the changes your insurance company will have to abide by IF they change their policies:

* No Discrimination for Pre-Existing Conditions
* Insurance companies will be prohibited from refusing you coverage because of your medical history.
* No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
* Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
* No Cost-Sharing for Preventive Care
* Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
* No Dropping of Coverage for Seriously Ill
* Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.
* No Annual or Lifetime Caps on Coverage
* Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.
* Guaranteed Insurance Renewal
* Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.


Is it making sense yet... click on any level for you? Because do you know what the consequence of this means? Wonder if you can put 2 and 2 together and understand why the insurance company and Republicans are flodding your head with lies and false information?

An extremely simple and straight forward question for you.
What would the options be for people who change, or lose, their job?

 

[Skull Pilot]

These are some of the changes your insurance company will have to abide by IF they change their policies:

* No Discrimination for Pre-Existing Conditions
* Insurance companies will be prohibited from refusing you coverage because of your medical history.
* No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
* Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
* No Cost-Sharing for Preventive Care
* Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
* No Dropping of Coverage for Seriously Ill
* Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
* No Gender Discrimination
* Insurance companies will be prohibited from charging you more because of your gender.
* No Annual or Lifetime Caps on Coverage
* Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
* Extended Coverage for Young Adults
* Children would continue to be eligible for family coverage through the age of 26.
* Guaranteed Insurance Renewal
* Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.


Is it making sense yet... click on any level for you? Because do you know what the consequence of this means? Wonder if you can put 2 and 2 together and understand why the insurance company and Republicans are flodding your head with lies and false information?

An extremely simple and straight forward question for you.
What would the options be for people who change, or lose, their job?

the option would be to buy a government "approved" plan or else pay an additional tax

 

[ba1614]

Thanks Skull Pilot, I know you are looking at this bill objectively. I was hoping for an answer from this OneWorld character.

The government "approved" plan, what exactly are they going to look like, and how expensive is it going to be?
Or is this really a provision to eventually get everyone on the federal plan by making it impossible for private insurers to compete with the subsidized federal plan?

 

[Skull Pilot]

Thanks Skull Pilot, I know you are looking at this bill objectively. I was hoping for an answer from this OneWorld character.

The government "approved" plan, what exactly are they going to look like, and how expensive is it going to be?
Or is this really a provision to eventually get everyone on the federal plan by making it impossible for private insurers to compete with the subsidized federal plan?

people like O.W. accuse everyone who disagrees with them of being somehow mesmerized by the "right wing" but he has obviously not read the bill and swallows the government lies hook line and sinker

 

[Skull Pilot]

so it seems Obama Is being disingenuous.

The public option is designed to lead to a government run single payer model

[youtube]zZ-6ebku3_E&eur[/youtube]

 

[Jay Canuck]

this thread should read - "defend your rich insurance company"

 

[Skull Pilot]

this thread should read - "defend your rich insurance company"

How about defend your right to make your own decisions

but you wouldn't know about that would you. you like the government wiping your ass.

 

[Navy1960]

[ame=http://www.youtube.com/watch?v=B-_SGGcJu_c]YouTube - Obama Single Payer Strategy State Power[/ame]

I don't need to comment on healthcare any better on the goals of this bill than the president and his minions.

 

[toomuchtime_]

so it seems Obama Is being disingenuous.

The public option is designed to lead to a government run single payer model

[youtube]zZ-6ebku3_E&eur[/youtube]

It's hard to believe there is anyone in the US who doesn't understand this by now, so why do the Dems continue to lie about the purpose of the "public option"?

Thirty-two percent (32%) of voters nationwide favor a single-payer health care system where the federal government provides coverage for everyone. A Rasmussen Reports national telephone survey finds that 57% are opposed to a single-payer plan.

32% Favor Single-Payer Health Care, 57% Oppose - Rasmussen Reports™

 

[Jay Canuck]

"I saw a thing on YouTube, a town hall meeting in Little Rock, Arkansas. And a woman from Brockside, Arkansas, stood up. She was weeping about the threat of socialism. You know what, lady, Brockside, Arkansas, doesn't have capitalism yet. Your idea of health care is leeches and moonshine and you're worried about socialism? Oh, Lord." -Bill Maher

 

[Skull Pilot]

barney Frank "Public option best way to reach single payer"
[youtube]f3BS4C9el98&eurl[/youtube]

The public option is single payer by stealth

[youtube]RkJehFI7qr4&eurl[/youtube]

Sebelius: I'm all for a single payer

[youtube]ZOyNCnN3NRg&eurl[/youtube]

Schakowski; Goal of health care reform is to destroy private insurance

[youtube]dT4mV3R7vu4&eurl[/youtube]

 

[Jay Canuck]

this thread should read - "defend your rich insurance company"

How about defend your right to make your own decisions

but you wouldn't know about that would you. you like the government wiping your ass.

I like the idea of not ending up homeless if I or someone in my family get's sick...but you wouldn't know about that would you - you're too busy kissing insurance company ass.

 

[Skull Pilot]

"I saw a thing on YouTube, a town hall meeting in Little Rock, Arkansas. And a woman from Brockside, Arkansas, stood up. She was weeping about the threat of socialism. You know what, lady, Brockside, Arkansas, doesn't have capitalism yet. Your idea of health care is leeches and moonshine and you're worried about socialism? Oh, Lord." -Bill Maher

I saw this thing about stupid Canadians. And you're worried about the USA. Oh Lord


[youtube]4kkYhCX1uqQ&eurl[/youtube]

 

[Jay Canuck]

Medical bills underlie 60 percent of U.S. bankrupts: study

WASHINGTON (Reuters) - Medical bills are behind more than 60 percent of U.S. personal bankruptcies, U.S. researchers reported on Thursday in a report they said demonstrates that healthcare reform is on the wrong track.

More than 75 percent of these bankrupt families had health insurance but still were overwhelmed by their medical debts, the team at Harvard Law School, Harvard Medical School and Ohio University reported in the American Journal of Medicine.

"Unless you're Warren Buffett, your family is just one serious illness away from bankruptcy," Harvard's Dr. David Himmelstein, an advocate for a single-payer health insurance program for the United States, said in a statement.

"For middle-class Americans, health insurance offers little protection," he added.

CANCELED COVERAGE

"Nationally, a quarter of firms cancel coverage immediately when an employee suffers a disabling illness; another quarter do so within a year," the report reads.

Medical bills underlie 60 percent of U.S. bankrupts: study | U.S. | Reuters

 

[toomuchtime_]

"I saw a thing on YouTube, a town hall meeting in Little Rock, Arkansas. And a woman from Brockside, Arkansas, stood up. She was weeping about the threat of socialism. You know what, lady, Brockside, Arkansas, doesn't have capitalism yet. Your idea of health care is leeches and moonshine and you're worried about socialism? Oh, Lord." -Bill Maher

Bill Maher is basically an insult comic, and that's fine, but when politicians like Pelosi respond to the passionate concerns of their constituents with the same kind of contempt and ridicule, that's unAmerican.