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7th March 2017, 07:07 AM | #641 |
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7th March 2017, 07:08 AM | #642 |
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1. He'd never do that. 2. Okay but he's not currently doing it. 3. Okay but he's not currently technically doing it. 4. Okay but everyone does it. 5. He's doing it, we can't stop him, no point in complaining about it. 6. We all knew he was going to do it which... makes it okay somehow. 7. It's perfectly fine that's he's doing it. |
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7th March 2017, 07:16 AM | #643 |
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Responding to my own post. Meadmaker seems to have answered that question. Thanks. So the Republicans new plan is just going to give everyone some money, and that's going to make healthcare affordable to each of them? I'm not sure I understand how that works. |
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7th March 2017, 07:19 AM | #644 |
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7th March 2017, 09:06 AM | #645 |
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Does the new proposal permit consumers to buy health insurance across state lines?
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7th March 2017, 09:09 AM | #646 |
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7th March 2017, 09:14 AM | #647 |
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Trump gave the greatest tweet ever on that
https://mobile.twitter.com/realDonal...08868584124417 "Don't worry, getting rid of state lines, which will promote competition, will be in phase 2 & 3 of healthcare rollout. " I don't recall him ever mentioning phase 2. Now there is both a phase two and a phase 3. This encapsulates everything wrong with him as a person, a businessman, and politician. He sounds like every contractor that ever screwed you over. I don't know get his popularity. |
7th March 2017, 09:27 AM | #648 |
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It's easy really: https://www.theguardian.com/us-news/...irst-six-weeks
"I don’t listen to the news" would be one explanation. |
7th March 2017, 09:31 AM | #649 |
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Saw an ad for the House Republican healthcare plan last night. It was about how a family lost access to their existing health care plan and Obgyn due to the evil Obamacare law. Apparently there was only physician in the world that could properly care for this upper class woman and her uncomplicated pregnancy. Oh the humanity.
ETA: Is there anything in the new law that mandates that insurance companies keep the same doctors on their approved list? Might be a fun question to ask if your GOP Congressperson ever has another town hall. |
7th March 2017, 09:36 AM | #650 |
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7th March 2017, 09:40 AM | #651 |
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Missing the point.
My take is that it would be more like the the energy tax credit. with the energy tax credit, you have to document what you spent and you get a credit for 30% of that. Having paid for something is part of the qualification. You have to have already spent the money to get the credit. There seems to be some confusion about the difference between a tax credit and a deduction. The difference has nothing to do with how it's documented. A deduction reduces your taxable income. So a $1000 deduction may reduce your taxes by $200. A tax credit reduces taxes owed directly, so a $1000 credit reduces your taxes by $1000. If your taxes were less than $1000 you would get money back with a refundable credit. Both credits and deductions may require receipts or documentation to prove you spent money on eligible items. Usually, they are for conditions that existed in the previous year, not conditions anticipated for the next. (This includes the EIC and child tax credit.) So if this credit works like the others, where you met the income/age requirements in the previous year AND paid for your own health insurance (as opposed to provided by work) you would be eligible for the credit. The problem is that you need the money up front to pay now in order to be reimbursed later. The idea that someone might be reimbursed $4000 at tax time is very nice, but to get it, they have to have paid $333/month for the year. Low income people can't afford to lay out $333/month and wait until tax time to be reimbursed. Hell, that would put a serious crimp in my budget too. Now, if it's a credit given throughout the year or in advance rather than at tax time, fine. But that's what a subsidy is, isn't it? |
7th March 2017, 09:42 AM | #652 |
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I don't know about the ad but in my daughter's case after Obamacare with a difficult pregnancy she did lose access to the doctor group, hospital and neonatal group that had helped her in her first pregnancy.
I wasn't involved in the details but eventually she was able to get back with the same hospital. I know she paid out of pocket for her first few visits. |
7th March 2017, 09:48 AM | #653 |
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According to Forbes
Quote:
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7th March 2017, 09:51 AM | #654 |
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7th March 2017, 09:52 AM | #655 |
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It's not necessarily intended as an argument against reforming the health care industry - the industry is clearly in need of reform. It is, however, an argument against blindly assuming that such reform will immediately result in a net improvement with no downsides. It's an argument against short-sighted policies without due consideration of repercussions.
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7th March 2017, 09:52 AM | #656 |
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7th March 2017, 09:53 AM | #657 |
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7th March 2017, 09:55 AM | #658 |
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This was the case with my daughter.
But how does it not have to do with ACA when it was what caused the doctors and companies to consider how to deal with it.
Quote:
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7th March 2017, 09:55 AM | #659 |
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7th March 2017, 09:57 AM | #660 |
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7th March 2017, 09:58 AM | #661 |
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Community Rating
Short version: Community Rating means that each insurer's covered lives are treated as a complete pool. They are not allowed to rate individuals in that pool based on the medical risk of that specific person; the medical risk of the entire pool is shared within the whole pool. Note that they are NOT pooled with the insured lives of competing carriers. In pure community rating, insurer's aren't allowed to vary the price of their products for individuals for any reason other than the actual benefit (a plan that covers more services will be more expensive, a plan that covers fewer will be less expensive). Under ACA, states use modified community rating. The rates are allowed to vary based on the age of the insured life, as well as the region in which they live, and whether or not they smoke. Community rating also doesn't mean that the insurer can charge whatever they like - they still need to have justifiable and fair rates, approved by the insurance commissioner of their state. Under ACA rules, that means no less than an 80% loss ratio, which means that 80% or more of the premium collected is directly passed through to doctors, pharmacies, and medical providers to pay for care delivered. Additionally, any requested rate increase of 10% or higher can be denied by the commissioner, regardless of whether it is justified. |
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7th March 2017, 09:58 AM | #662 |
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Or that compels the doctors to stay in-system. It isn't just the insurance companies dropping doctors. That knife cuts both ways. Entire hospitals routinely quit accepting insurance from insurers they can't come to an accommodation with. Not sure what the gov. can do about that. |
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7th March 2017, 09:58 AM | #663 |
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Was it? The only explanation for it being the cause is basic post hoc propter hock. Insurances always change and renegotiate. That was true before the ACA and is still true now.
It might have played a role in it, but with out a lot of details even your daughter does not have there is no way to know. Unless you sit in on the contract negotiations between insurers and hospitals. |
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7th March 2017, 09:59 AM | #664 |
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7th March 2017, 10:01 AM | #665 |
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I didn't see that.
But doesn't that amount to a subsidy? Isn't the difference between this and what Obamacare does a matter of semantics? It seems to me that the primary difference is that they want to decrease subsidies for many who are likely to need them and increase subsidies for many who likely don't. And then instead of calling them "subsidies," calling them "tax credits." |
7th March 2017, 10:08 AM | #666 |
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Insurance companies and medical providers have been playing this game for decades. During one year I had to choose a new primary physician three times after the insurance company dropped my doctor from their approved list. It's a feature of how the insurance business and medical providers operate in the United States. The new GOP health care plan does nothing to change this problem.
A single payer system would eliminate this issue but that isn't what the House bill is proposing. It is simply Obamacare light with fewer subsidies, less revenue, and lower standards for coverage. |
7th March 2017, 10:08 AM | #667 |
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7th March 2017, 10:10 AM | #668 |
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Weird. Even if its implementation was to be delayed, why couldn't they have put it in the current bill? I was under the impression that this was something Republican lawmakers really wanted. It always seemed like a demand being driven by the political leadership more than the base.
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7th March 2017, 10:15 AM | #669 |
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7th March 2017, 10:31 AM | #670 |
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True.
Also, employers sometimes change insurance providers. This has happened several times in my 20+ years at my job. You really couldn't expect to keep the same doctor your whole life before obamacare. Your employer can change plans or your plan can change providers. For example, Peoria IL has three hospitals. (My older daughter lived there with her mom, but was under my insurance.) At one point, my insurance had a contract with St. Francis. That changed to Methodist at some point. And then my employer changed to a different carrier completely, and we were back to St. Francis. Additionally, doctors come and go from medical groups and medical groups come and go from insurance plans. As long as insurance companies negotiate rates with providers there will be times when you have to change doctors. This will not necessarily happen at convenient times. |
7th March 2017, 11:04 AM | #671 |
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7th March 2017, 11:15 AM | #672 |
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Where is the money going to come from? I don't agree with a family of 4 making 150,000 getting an $8,000 credit. What happened to personal responsibility?
In my opinion subsidies should be for those truly in need. |
7th March 2017, 11:19 AM | #673 |
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7th March 2017, 11:25 AM | #674 |
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That was because this article was about when agreements were being made. I couldn't find the original older article when the SUNY hospital said they would not accept the ACA plans. The quote i took from this article was the caption under the picture. i do remember remember reading a few articles about it back when my daughter told me.
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7th March 2017, 11:26 AM | #675 |
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Debt, I should think. Maybe they'll cut spending somewhere instead but debt would be my bet.
Personal responsibility is one of those delightfully flexible concepts that means whatever the user wants it to. I'm inclined to agree but subsidies and welfare have a long and storied tradition of being used to pay off various constituents on bases other than need. |
7th March 2017, 11:28 AM | #676 |
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It's insanity gone wild. You run out of money, or lose your job and can't keep up your insurance premiums and the GOP would have you the priced out of the insurance market for years hence.
The alt-thinking on this boggles the mind. It speaks to their world view that all poor people are shiftless and lazy so let's threaten them for letting their health insurance lapse. Then there is the alt-reality that these uninsured people will not cost the rest of us money when they seek their health care in the ED and leave the hospitals with bad debt to pass on to the rest of us paying consumers. |
7th March 2017, 11:30 AM | #677 |
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Let Them Eat Cake, Baby.
http://www.politico.com/story/2017/0...re-plan-235762 Chaffetz is due for a session with Ryan and other GOP House leaders where they will tell him to, basically, STFU. he has a way of putting his foot in his mouth bigtime. |
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7th March 2017, 11:31 AM | #678 |
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For the record, some tax credits come out of taxes owed. If you are too poor to owe income tax (remember you still pay FICA and other taxes) then the credit does you no good. And I'm sure the Republicans know that full well.
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7th March 2017, 11:36 AM | #679 |
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7th March 2017, 11:49 AM | #680 |
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