top 5 lies about health care plan

strollingbones

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Sep 19, 2008
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The Top 5 Lies About Obama's Health Care Reform | Newsweek Health | Newsweek.com for the full article...i just hit the highlights

You'll have no choice in what health benefits you receive. The myth that a "health choices commissioner" will decide what benefits you get seems to have originated in a July 19 post at blog.flecksoflife.com, whose homepage features an image of Obama looking like Heath Ledger's Joker. In fact, the House bill sets up a health-care exchange—essentially a list of private insurers and one government plan—where people who do not have health insurance through their employer or some other source (including small businesses) can shop for a plan, much as seniors shop for a drug plan under Medicare part D. The government will indeed require that participating plans not refuse people with preexisting conditions and offer at least minimum coverage, just as it does now with employer-provided insurance plans and part D. The requirements will be floors, not ceilings, however, in that the feds will have no say in how generous private insurance can be.



No chemo for older Medicare patients. The threat that Medicare will give cancer patients over 70 only end-of-life counseling and not chemotherapy—as a nurse at a hospital told a roomful of chemo patients, including the uncle of a NEWSWEEK reporter—has zero basis in fact. It's just a vicious form of the rationing scare. The House bill does not use the word "ration." Nor does it call for cost-effectiveness research, much less implementation—the idea that "it isn't cost-effective to give a 90-year-old a hip replacement."



Illegal immigrants will get free health insurance.
The House bill doesn't give anyone free health care (though under a 1986 law illegals who can't pay do get free emergency care now, courtesy of all us premium paying customers or of hospitals that have to eat the cost). Will they be eligible for subsidies to buy health insurance? The House bill says that "individuals who are not lawfully present in the United States" will not be allowed to receive subsidies.



Death panels will decide who lives.
On July 16 Betsy McCaughey, a former lieutenant governor of New York and darling of the right, said on Fred Thompson's radio show that "on page 425," "Congress would make it mandatory…that every five years, people in Medicare have a required counseling session that will tell them how to end their life sooner, how to decline nutrition." Sarah Palin coined "death panels" in an Aug. 7 Facebook post.

This lie springs from a provision in the House bill to have Medicare cover optional counseling on end-of-life care for any senior who requests it. This means that any patient, terminally ill or not, can request a special consultation with his or her physician about ventilators, feeding tubes, and other measures. Thus the House bill expands Medicare coverage, but without forcing anyone into end-of-life counseling.

The government will set doctors' wages. This, too, seems to have originated on the Flecksoflife blog on July 19. But while page 127 of the House bill says that physicians who choose to accept patients in the public insurance plan would receive 5 percent more than Medicare pays for a given service, doctors can refuse to accept such patients, and, even if they participate in a public plan, they are not salaried employees of it any more than your doctor today is an employee of, say, Aetna. "Nobody is saying we want the doctors working for the government; that's completely false," says Amitabh Chandra, professor of public policy at Harvard's Kennedy School of Government.
 
The government will dictate minimum coverage policies that will mandate coverage for things like substance abuse counseling whether you want them or not, you'll have to pay for them.

that sounds like decreasing my choices to me.

I have never needed substance abuse or mental health counseling so why on earth should I be forced to pay additional premiums for coverage I neither need nor want?
 
skull i dont agree with that....it would be like making us all pay for the preggies insurance...regardless but it is time we stop the baiting and address the facts. the american health care system is in dire need of reform. it needs to be addressed.
 
Bones, Ever hear of Ezekiel Emanuel? You might want to read up on his money saving ideas with respect to health Care and he's NOT switching to Geico!
 
skull i dont agree with that....it would be like making us all pay for the preggies insurance...regardless but it is time we stop the baiting and address the facts. the american health care system is in dire need of reform. it needs to be addressed.

I don't disagree with you but mandated minimum coverages and tax penalties for not having a government approved policy are not the way to go.
 
and that is the fault of the american voter....and this thread reminded me.....my granny in law will be 101 this month...my son has gone to see her for 20 years thinking it will be the last time...

has nothing to do with the topic
 
The Top 5 Lies About Obama's Health Care Reform | Newsweek Health | Newsweek.com for the full article...i just hit the highlights

You'll have no choice in what health benefits you receive. The myth that a "health choices commissioner" will decide what benefits you get seems to have originated in a July 19 post at blog.flecksoflife.com, whose homepage features an image of Obama looking like Heath Ledger's Joker. In fact, the House bill sets up a health-care exchange—essentially a list of private insurers and one government plan—where people who do not have health insurance through their employer or some other source (including small businesses) can shop for a plan, much as seniors shop for a drug plan under Medicare part D. The government will indeed require that participating plans not refuse people with preexisting conditions and offer at least minimum coverage, just as it does now with employer-provided insurance plans and part D. The requirements will be floors, not ceilings, however, in that the feds will have no say in how generous private insurance can be.

I take slight issue with this part of your post. I'll go grab my writeup from another thread and post my opinion of why i take issue in 2 min.
 
The party line is that if you currently have health insurance, sure, you can keep it. They call this “grandfathering” in your plan. But Section 102: PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE doesn’t protect anything except the government-run “gateways” and “exchanges” because the day you decide to give up your current plan, it’s all over but the shouting because unless you enroll in an employer-provided plan (that must provide no less than exactly the same benefits as the government’s plan), it’s straight into the machine for you.

These are the key excerpts (section 102):

(1) LIMITATION ON NEW ENROLLMENT-

(A) IN GENERAL- Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1.

(Notice that this is the sum total of verbiage in “this paragraph”. There are NO exceptions. Health insurers may no longer enroll new plan participants.)
(c) Limitation on Individual Health Insurance Coverage-

(1) IN GENERAL- Individual health insurance coverage that is not grandfathered health insurance coverage under subsection (a) may only be offered on or after the first day of Y1 as an Exchange-participating health benefits plan.

**This means that if a health insurance company wants to stay in business, it must get in bed with the government.**

(2) SEPARATE, EXCEPTED COVERAGE PERMITTED- Excepted benefits (as defined in section 2791(c) of the Public Health Service Act) are not included within the definition of health insurance coverage. Nothing in paragraph (1) shall prevent the offering, other than through the Health Insurance Exchange, of excepted benefits so long as it is offered and priced separately from health insurance coverage.

***How very kind of them. Separate insurance policies will be “permitted” by the government. If you didn’t ask “What are excepted benefits?” then you deserve the government we’ve got today and don’t come crying to us when some government official tells people that their life isn’t worth the cost of saving it. But because I’m feeling generous today, I’ll ask the question for us all. What are these “excepted benefits”? Well, basically anything except what we all think of as common medical treatments, such as:

  • Coverage only for accident, or disability income insurance, or any combination thereof.
  • Coverage issued as a supplement to liability insurance.
  • Liability insurance, including general liability insurance and automobile liability insurance.
  • Workers’ compensation or similar insurance.
  • Automobile medical payment insurance.
  • Credit-only insurance.
  • Coverage for on-site medical clinics
  • Other similar insurance coverage, specified in regulations, under which benefits for medical care are secondary or incidental to other insurance benefits.

Not exactly the “choice” the President, Pelosi, Reid, and those in the media are leading us to believe, is it?

So just what happens to your “health care” once the government gets their guaranteed hold of it? Pull out your airsickness bag and read on.


What is covered:

From section 122 (Essential benefits)

(b) Minimum Services To Be Covered-

  1. Hospitalization.
  2. Outpatient hospital and outpatient clinic services, including emergency department services.
  3. Professional services of physicians and other health professionals.
  4. Such services, equipment, and supplies incident to the services of a physician’s or a health professional’s delivery of care in institutional settings, physician offices, patients’ homes or place of residence, or other settings, as appropriate.
  5. Prescription drugs.
  6. Rehabilitative and habilitative services.
  7. Mental health and substance use disorder services.
  8. Preventive services, including those services recommended with a grade of A or B by the Task Force on Clinical Preventive Services and those vaccines recommended for use by the Director of the Centers for Disease Control and Prevention.
  9. Maternity care.
  10. Well baby and well child care and oral health, vision, and hearing services, equipment, and supplies at least for children under 21 years of age.


(1)NO COST-SHARING FOR PREVENTIVE SERVICES- There shall be no cost-sharing under the essential benefits package for preventive items and services (as specified under the benefit standards), including well baby and well child care.

This is the 2008 list of those “preventative services” from the U.S. Preventive Services Task Force:

Grade A:

  • Cervical cancer screening for women
  • Colorectal cancer screening for men and women over 50
  • Discuss aspirin chemoprevention with adults who are at increased risk for coronary heart disease
  • Screening for high blood pressure in adults aged 18 and older
  • Screening for chlamydial infection for all sexually active non-pregnant young women aged 24 and younger and for older nonpregnant women who are at increased risk
  • Prophylactic ocular topical medication for all newborns against gonococcal ophthalmia neonatorum
  • Screening for hepatitis B virus (HBV) infection in pregnant women at their first prenatal visit
  • Screening for human immunodeficiency virus (HIV) all adolescents and adults at increased risk for HIV infection
  • Screening all pregnant women for HIV
  • Screening persons at increased risk for syphilis infection
  • Screening all pregnant women for syphilis infection
  • Screening all adults for tobacco use and provide tobacco cessation interventions for those who use tobacco
  • Screening all pregnant women for tobacco use and provide augmented pregnancy-tailored counseling to those who smoke
  • Rh (D) blood typing and antibody testing for all pregnant women during their first visit for pregnancy-related care
  • Screening for sickle cell disease in newborns

Grade B:

  • One-time screening for abdominal aortic aneurysm (AAA) by ultrasonography in men aged 65 to 75 who have ever smoked
  • Genetic counseling and evaluation for women whose family history is associated with an increased risk for deleterious mutations in BRCA1 or BRCA2 genes (breast & ovarian cancer)
  • Chemoprevention for women at high risk for breast cancer and at low risk for adverse effects of chemoprevention
  • Screening mammography, with or without clinical breast examination (CBE), every 1-2 years for women aged 40 and older
  • Screening for chlamydial infection for all pregnant women aged 24 and younger and for older pregnant women who are at increased risk
  • Screening all sexually active women, including those who are pregnant, for gonorrhea infection if they are at increased risk for infection (that is, if they are young or have other individual or population risk factors)
  • Screening and behavioral counseling interventions to reduce alcohol misuse (go to Clinical Considerations) by adults, including pregnant women, in primary care settings
  • Screening adults for depression in clinical practices that have systems in place to assure accurate diagnosis, effective treatment, and followup
  • Intensive behavioral dietary counseling for adult patients with hyperlipidemia and other known risk factors for cardiovascular and diet-related chronic disease. Intensive counseling can be delivered by primary care clinicians or by referral to other specialists, such as nutritionists or dietitians
  • Routine screening for iron deficiency anemia in asymptomatic pregnant women
  • Routine iron supplementation for asymptomatic children aged 6 to 12 months who are at increased risk for iron deficiency anemia
  • Screening all adult patients for obesity and offer intensive counseling and behavioral interventions to promote sustained weight loss for obese adults
  • Screening women aged 65 and older routinely for osteoporosis. The USPSTF recommends that routine screening begin at age 60 for women at increased risk for osteoporotic fractures
  • Structured breastfeeding education and behavioral counseling programs to promote breastfeeding
  • Primary care clinicians prescribe oral fluoride supplementation at currently recommended doses to preschool children older than 6 months of age whose primary water source is deficient in fluoride
  • Screening to detect amblyopia, strabismus, and defects in visual acuity in children younger than age 5 years

(2) ANNUAL LIMITATION-

Y1 is $5,000 for an individual and $10,000 for a family. Such levels shall be increased (rounded to the nearest $100) for each subsequent year by the annual percentage increase in the Consumer Price Index (United States city average) applicable to such year.

****Pay particular attention to this. It’s your annual out-of-pocket expenses for for anything not included in the Grade A or Grade B list of “preventative items and services”. So although a preventative test may be covered, you’ll still be liable for co-pay expenses to walk in the door to get it. And just like with most plans today, you’ll still be liable to share the costs of fixing anything found wrong with you by those tests.****

Of course we have to have a “Health Benefits Advisory Committee to recommend covered benefits and essential, enhanced, and premium plans.” This will be chaired by the Surgeon General and will have “9 members who are not Federal employees or officers and who are appointed by the President”, “9 members who are not Federal employees or officers and who are appointed by the Comptroller General”, and an “even number of members (not to exceed 8 ) who are Federal employees and officers, as the President may appoint.” A committe with up to 27 members, 18 of whom are picked by the President. The bill says these people will “reflect providers, consumer representatives, employers, labor, health insurance issuers, experts in health care financing and delivery, experts in racial and ethnic disparities, experts in care for those with disabilities, representatives of relevant governmental agencies, and at least one practicing physician or other health professional and an expert on children’s health”. But with no checks and balances on the selection of this group, you can bet they will reflect this or any FUTURE President’s personal opinions and/or especially those to whom they may owe campaign favors.

And, of course we have to have a Health Choices Administration and a Health Choices Commissioner. At least the commissioner will be appointed by the President “by and with the advice and consent of the Senate”. This will be an independent agency that will audit and enforce compliance for all “qualified health benefit plans”, whether or not the plan participates in the government’s “exchange”. They will be able to levy financial penalties and shut down plans that fail to make their grade. The Commissioner will appoint a “Qualified Health Benefits Plan Ombudsman” to help people stuck in the maze of government’s plan find their way out.

Ok this post is way too long winded, i'll stop here.

I have more :)
 

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