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  • #16
    Re: HealthCare Law Unconstitutional

    Well, today's ruling on the health plan being "required" for everyone may be just another judge's opinion, but in consideration of the present Supreme Court's lean, I would expect that such opinions will prevail.

    That doesn't necessarily mean that the health care plan will go away though. It simply means that the government cannot make it mandatory for people to subscribe to a plan. That may make health insurance premiums a bit more expensive, unless the number of participants is still high.

    This reminds me quite a lot of a "letter to the editor" in our local newspaper, many years ago. One of the guys in our company passed away. I knew him only by name and that he worked out in the shop. In any case, the letter was written by the fellow's widow and it scornfully blamed the company because she was left pennyless and with quite a few unpaid medical bills. Her husband had been a hard worker, and it was shameful that in his death, there was nothing but debt. Anyone reading this would think that the company had to be completely heartless.

    What the story didn't say, and obviously the wife didn't know, was that the company offers a nice life insurance and health insurance plan. As I recall, at that time employees, got a very basic $10,000 life plan, which was free and the option to increase that with a premium which the company would match and thus double the insurance amount. (like pay for $50K and the company paid the difference for $100K of life insurance.)

    The company also offered a health plan, but that was purely optional and the employee had to pay thier part of the premium. You could choose not to participate at all, or select a level of coverage for you and your family based on the level of insurance coverage and the almount of deductable you felt comfortable with. Obviously the more coverage and the less deductable, the higher the premium would be deducted from your paycheck.

    Problem with this poor widow was that her husband had opted out, apparently preferring to have that extra money in his check. Of course in his death, he wasn't going to be burdened with any of the blame or with any of the debt.

    That's how I look at so-called Obamacare. We have millions of people who loose thier jobs and their savings and their children's chance for college and a better life.... because of an accident or illness in the family. Insurance is presently too expensive for many of them. On the poor side of our society, millions go to the emergency ward for simple things like the flu or even a headache. Why? Because they can't afford a doctor and the "emergency" ward generally won't turn them away. Of course the burden of that falls to the community, state, or whatever to cover the growing debt of the hospitals. And of course, that debt sometimes can't be covered and therefore thousands of small community hospitals get closed around the country. Which means that there is a growing number of people who have no local hospital and are forced to either go without care or bear the additional expense to travel some distance to get to a hospital care.

    So, what happens if you opt out of national health care? Bet your butt that if you get into an accident or get seriously sick, you're going to want to get treated. Maybe you are lucky enough to have private insurance and maybe you don't; and maybe, your private insurance might just drop your butt or really hike your insurance to an unaffordale level because you or your wife or one of your kids just got a year's worth of cancer care or worse and you've just spent your "lifetime limit".

    If you don't have insurance, should the hospital and doctors just turn you away? Maybe you can write a letter to the editor and tell everyone about your loss and sorrow. Let us just hope that life always treats us perfectly.

    CWS
    Last edited by CWSmith; 08-13-2011, 01:31 AM.

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    • #17
      Re: HealthCare Law Unconstitutional

      Originally posted by CWSmith View Post
      James,

      Is THAT a bad thing? Would it be better if she didn't have insurance coverage or would that mean she could get her care via Medicaid?

      CWS
      The ruling is bad IMO. Her having health ins. is a good thing. My premium went up, but I can live with it. I have no problem with the individual mandate, everybody should take some responsibility for their health care costs. Unlike the way it is now.

      Comment


      • #18
        Re: HealthCare Law Unconstitutional

        So far I have not seen the so called benefits of this plan. I been trying to get health insurance for years. In the past they turned me down due to pre-existing issues (had sever pulmonary embolisms and on blood thinners). Now that this so called miracle plan is in effect, the insurance companies can no longer turn you down, but they sure as hell can make the premiums so high there is no way anyone can afford it. The least expansive plan I could find has a 5k deductible with just major medical coverage for 2500 a month.
        Ron Hasil Lic #058-160417
        A-Archer Sewer & Plumbing specializing in:
        Tankless Water Heaters | Drain and Sewer Cleaning
        Sump and Ejector Pumps | Backflow RPZ Testing

        Comment


        • #19
          Re: HealthCare Law Unconstitutional

          I don't know all the ins and outs, but most of the healthcare laws take effect in 2014.

          Comment


          • #20
            Re: HealthCare Law Unconstitutional

            What I do know is there is a humongous problem when you have medical costs that are able to exponentionally outrun the cost of inflation. Which causes insurance to go up as well faster than the majority's wages.

            A mess.


            J.C.

            Comment


            • #21
              Re: HealthCare Law Unconstitutional

              I worked and then retired with full coverage major medical and dental. I pay a small copay and can see any doctor I choose. Medications cost five or ten dollars in most cases. Yes, I worked for a billion dollar corporation but there is still plenty of money to reduce the cost of healthcare
              in our country. The problem is fraud, high cost of malpractice insurance and greed. What the heck happened to America? How can folks justify paying for medical procedures for illegals in our country when tax paying Americans can't get coverage?

              Comment


              • #22
                Re: HealthCare Law Unconstitutional

                Originally posted by SewerRatz View Post
                So far I have not seen the so called benefits of this plan. I been trying to get health insurance for years. In the past they turned me down due to pre-existing issues (had sever pulmonary embolisms and on blood thinners). Now that this so called miracle plan is in effect, the insurance companies can no longer turn you down, but they sure as hell can make the premiums so high there is no way anyone can afford it. The least expansive plan I could find has a 5k deductible with just major medical coverage for 2500 a month.
                Ron, I do agree that we should NOT deny someone because of pre-existing conditions.

                But there are too many things wrong with this bill and it should be partially done over. For example...if this bill stands the way it is, and the SCOTUS deems everything constitutional, the government could have say in what you eat because they will want to keep the cost of healthcare down. Plus illegal aliens are covered in this plan, and the government has the power to decide what plan is acceptable for you! Everyday new things that are bad with this plan are coming out, and the majority of the country don't even know what's in it.

                A 1 size fits all healthcare plan is not the answer imo.

                Obama and congress were racing to get this bill done because they knew they were going to lose seats in congress last November. If this plan was so great then why all the exemptions for Politicians, the Unions, and other special interest groups? Obama ripped the Tea party for playing partisan politics, but yet let his own party ram-rod this bill down the country's throat.

                There are so many bad things about this bill that out weigh the good parts.

                There is no question that something needs to be done, but this bill should be repealed. Think about all of the things in life you ***** about with government..your thoughts will be much worse when this bill goes into affect.

                Comment


                • #23
                  Re: HealthCare Law Unconstitutional

                  I gave up on health care of any sort. I recently lost what little help I was getting here in Illinois when my daughter turned 19. So I been with out any health and prescription coverage for a year now. I can not even afford the meds I am supposed to be taking, so I no longer take the meds. I figured its better not to take them at all instead of one month on when I scratched up enough dough to pay for them and one month off cause all the jobs I did that month where billed out and waiting for them to pay. When I was covered I had to pay at the most $5.00 for a script now that same script is $634.00 so that is one that I dropped permanently.

                  Guess the way I look at life now is when my number is up its up.
                  Ron Hasil Lic #058-160417
                  A-Archer Sewer & Plumbing specializing in:
                  Tankless Water Heaters | Drain and Sewer Cleaning
                  Sump and Ejector Pumps | Backflow RPZ Testing

                  Comment


                  • #24
                    Re: HealthCare Law Unconstitutional

                    Originally posted by SewerRatz View Post
                    I gave up on health care of any sort. I recently lost what little help I was getting here in Illinois when my daughter turned 19. So I been with out any health and prescription coverage for a year now. I can not even afford the meds I am supposed to be taking, so I no longer take the meds. I figured its better not to take them at all instead of one month on when I scratched up enough dough to pay for them and one month off cause all the jobs I did that month where billed out and waiting for them to pay. When I was covered I had to pay at the most $5.00 for a script now that same script is $634.00 so that is one that I dropped permanently.

                    Guess the way I look at life now is when my number is up its up.
                    I just got married a few months ago, and got onto my wife's plan, because I was paying for my own health insurance.($200.00 a month) The lady told me I was grandfathered in and they will no longer insure single people now, so I better make sure I'm on her policy before I cancel.

                    My question would be...why would the insurance companies turn away a single person for health coverage? Money is money....right?

                    Comment


                    • #25
                      Re: HealthCare Law Unconstitutional

                      Health insurance is a necessary evil. Coverage for my wife and I was $1,500 per month then jumper to $1,800 per month. Because my medications would be $3,600 per month without coverage I can't drop my insurance. We did change our co-pay as an experiment this year so the premium dropped to $1,100 per month. I sure miss the $5 co-pay but I will have to wait and run the totals at the end of the year.

                      Mark
                      "Somewhere a Village is Missing Twelve Idiots!" - Casey Anthony

                      I never lost a cent on the jobs I didn't get!

                      Comment


                      • #26
                        Re: HealthCare Law Unconstitutional

                        The health system in the US (or rather how it is funded) really does suck. Since insurance companies are profit making entities it makes sense for them to want to insure low risk people - ie collect premiums and not pay out - that's what increases the profit margin. So the people who need heathcare the most will likely be outpriced in premiums or just not be insured.

                        Another scam (I think) by the health insurance companies is all the copay stuff. Why can they not cover everything 100%.

                        I's not clear to me why this cannot be funded through a tax collected as is done in many countries. For example in the UK this is done through something called National Insurance contributions. I have been treated under that scheme and to be honest the healthcare is reasonable. However, as is the case in many social medical systems some non critical operations and so on can slow. But private options are also available and several companies offer do offer that. But the national system does offer everyone a decent level of care and no one is denied coverage as is common here.

                        The problem with the Obama healthcare is that it still keeps the private insurance system as the only option which is the problem.

                        Comment


                        • #27
                          Re: HealthCare Law Unconstitutional

                          Originally posted by ToUtahNow View Post
                          Health insurance is a necessary evil. Coverage for my wife and I was $1,500 per month then jumper to $1,800 per month. Because my medications would be $3,600 per month without coverage I can't drop my insurance. We did change our co-pay as an experiment this year so the premium dropped to $1,100 per month. I sure miss the $5 co-pay but I will have to wait and run the totals at the end of the year.

                          Mark
                          I don`t seem to understand are you saying that you are paying $1800.00 per month which works out to be $21,600.00 per year for health insurance for two people and is that private health insurance alone does the government pay for anything.

                          Tony

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                          • #28
                            Re: HealthCare Law Unconstitutional

                            The government paying for health insurance for a working class family is deemed socialism / communism, and "Unamerican".

                            The short answer is "No", the government does not help pay for private health insurance.

                            Comment


                            • #29
                              Re: HealthCare Law Unconstitutional

                              Originally posted by AFM View Post
                              I don`t seem to understand are you saying that you are paying $1800.00 per month which works out to be $21,600.00 per year for health insurance for two people and is that private health insurance alone does the government pay for anything.

                              Tony
                              There is something called Medicare? which I think is a government program but I think it is for people over a certain age. Someone on here probably knows more about that I do and can clarify. For most Americans the cost of paying for your healthcare is through private insurance. If you are working then usually companies have a group plan which in many cases means the insurance companies cannot deny coverage to individual employees. Depending on the company they will also pay some or all of your insurance premiums.

                              As you can see from Mark's post the premiums are not cheap either. If you are self employed you are on your own and even if you wanted health coverage the insurance companies will probably not insure you if you have a serious condition such as a heart condition. This leaves you having to pay for everything yourself. That is also pretty much impossible for most people as the cost of healthcare is also very high here which is also a factor and another subject entirely.

                              Comment


                              • #30
                                Re: HealthCare Law Unconstitutional

                                The other problem with high insurance premiums is it leaves the industry highly vunerable to fraud, which in turn drives up premium costs, where it provides even greater incentives to commit more fraud, and so on.

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