personal reasons why? "Healthcare"

[Guest strelcevina]

first:

please spear me with all those socialist, Obama sucks, and we going to hell comments. they are childish, and insane.

give me One or more personal reasons why this bill is eider Good or Bad for you.

Don't think about Country , State , County or City or anybody else, it is all about you ,only You, and nobody but you .

give me some hardcore numbers

i will start.

I'm full time single Dad of 2 , i pay 5000$ a year for family insurance.

and on top of that i have to pay 20% extra of all cost when I or my kids go to doctor.

so this bill should lower my Insurance, and i hope it should lower that 20% payment to.

thanks for reading

[Guest HvyMtl]

I presently have insurance, and cancer. I must keep the present insurance, like it or not, as any new insurance would deny coverage for cancer. Or simply would not accept me...

The new law allows me to change insurance in the future, as the cancer would be a pre-existing condition, but does not prevent the new insurance from charging me more due to the cancer... So, it is a bonus, as if I have to change insurance in the future, I can with my pre-existing condition. But, it wont prevent the insurance from charging me an arm and a leg...

[Guest redbarron06]

You premium will go up no doubt about it. you are required to have insurance. Now the insurance company can charge you what ever they want to and you will have to pay it.

As far as me, I am Active duty military right now. thre was a exeption made for the "gold plated" policies made for the unions not for the military. How gold plated is a 100% no deductible insurance policy worth? How much do you think I am going to get taxed for it. I am going to have that tax for the rest of my life as I have 20 yeards and have the coverage for the rest of my life. To top that off they are going to tax my pre tax deductions for my savings accounts. How much are they going to take out of that?

[Oh Shoot]

My insurance just jumped over $50/month last time around.

Last two years I raised deductible and total yearly out of pocket to keep premium about the same.

So I pay $4228/year. Single coverage. No co pays. $8500.00 deductible, with total out of pocket of $12,500.

Had had a bowel resection about 4 years ago just before previous insurance ran out (pricey COBRA to extend from last job).

No malignancy, full normal recovery. They deemed it a pre-condition. Plus being 58 at time of new policy.

Guess I'll try shopping around here in a month or two, see if any better joy.

No idea, but I don't expect any better deal.

- OS

[dats82]

I cannot give you numbers because nobody really knows what the numbers are actually going to be. All the costs will not surface until the bill is fully in effect. I do know, however, that my expected salary will most likely go down.

What I can put numbers to is that I am in medical school right now to the tune of about $42k per year for tuition and about $12k per year living expenses. Plus about $15000 from undergrad, and we come up with about $230,000 that I owe before I make the first red cent. People always bitch about how much doctors make, but I can assure you, they very rarely make as much as people think they do. All I know is that I am spending close to 15 years of my life going in dept $230k at about 9% interest rate to come out of school and have the government impose restrictions on how much I can make.

If that were not enough, now they are talking about putting higher interest rates on student loans. This does not seem like a very good incentive to have the best and brightest go into medicine. Long term, what does this do to the system?

I have not even begun to think about what my insurance situation will be.

[Mark@Sea]

Retired military, same thing.

Also realize it isn't "all about me". Not to mention that I might want to change jobs, and the burden this bill puts on employers heavily discourages hiring. That isn't going to help us out of the recession, and eventually means higher prices, stagflation, and higher taxes on those who are working. Also pretty much guarantees my house value isn't going to start climbing again any time soon.

My sister in law is a nurse. She said nearly half the doctors at her hospital that are able plan to retire rather than deal with obamacare. The younger ones say they are screwed, won't be able to pay their school loans. I can have the best insurance in the world, but if it takes months to get an appointment, or years to get an operation (I'm not exaggerating, these delays are typical in Canada and Great Britain), I may die before I can get treatment.

Finally, Obama's start in politics was with the American Socialist Party, and his only constant has been wealth redistribution, so I feel it neither childish nor insane to assume he means what he says, which would make him a socialist. Ask Al Sharpton.

Edited March 26, 2010 by Mark@Sea

[Guest mikedwood]

My fear with the healthcare bill isn't about money.

It's about rights. Now that they have taken this course it means it's not my body anymore. It's our body. Same as the rest of us. You don't own your body anymore, the state does and can make more adjustments to make sure you take care of it as you should. Eat like a king for the next year or so cause I can see calorie rationing around the corner soon and things like it.

I also hate it when they toss unrelated things in bills. Like using the healthcare bill to change the student loan program. I could understand special interest loans for those going in the medical fields, nope change it all.

The little kids coverage for preexisting conditions was left out? 2,400 pages what was left in and out, I don't think anyone still realy knows.

It's not about money to me cause I'll never be rich, don't plan on being that poor either. It's about rights and this bill, you just wait, if it stands. Watch the old movie "Demolition Man" with Sylvester Stalone and Westly Snipes. The society in that movie is what they are striving for.

[strickj]

I cannot give you numbers because nobody really knows what the numbers are actually going to be. All the costs will not surface until the bill is fully in effect. I do know, however, that my expected salary will most likely go down.

What I can put numbers to is that I am in medical school right now to the tune of about $42k per year for tuition and about $12k per year living expenses. Plus about $15000 from undergrad, and we come up with about $230,000 that I owe before I make the first red cent. People always bitch about how much doctors make, but I can assure you, they very rarely make as much as people think they do. All I know is that I am spending close to 15 years of my life going in dept $230k at about 9% interest rate to come out of school and have the government impose restrictions on how much I can make.

If that were not enough, now they are talking about putting higher interest rates on student loans. This does not seem like a very good incentive to have the best and brightest go into medicine. Long term, what does this do to the system?

I have not even begun to think about what my insurance situation will be.

Your student loans are Federal dollars.

Doesn't matter if it was a direct loan from the Government or from a private bank. Both are Fed dollars.

What the student loan amendment did was essentially cut out the middle man in the process.

That means the Government will now see the money from your interest instead of a bank.

What that will do to your interest rates is anybodies guess.

[Guest 6.8 AR]

Your student loans are Federal dollars.

Doesn't matter if it was a direct loan from the Government or from a private bank. Both are Fed dollars.

What the student loan amendment did was essentially cut out the middle man in the process.

That means the Government will now see the money from your interest instead of a bank.

What that will do to your interest rates is anybodies guess.

You can't get away with saying that they are just Federal Dollars, strickj.

They may have come from Sallie Mae or somewhere else through the gov,

but they were derived from taxation, ie. someone's income was taxed to provide that program. There are other ways tuition is covered and there are private loans and grants. The gov is stripping the ability of the private sector to make a profit. Profits make taxable income. Taking out the middleman is just prose for another theft by the gov. It is not unlike

this healthcare bill taking the ability of an insurance provider to make a

profit from providing a service. Theft!

[Guest 6.8 AR]

My fear with the healthcare bill isn't about money.

It's about rights. Now that they have taken this course it means it's not my body anymore. It's our body. Same as the rest of us. You don't own your body anymore, the state does and can make more adjustments to make sure you take care of it as you should. Eat like a king for the next year or so cause I can see calorie rationing around the corner soon and things like it.

I also hate it when they toss unrelated things in bills. Like using the healthcare bill to change the student loan program. I could understand special interest loans for those going in the medical fields, nope change it all.

The little kids coverage for preexisting conditions was left out? 2,400 pages what was left in and out, I don't think anyone still realy knows.

It's not about money to me cause I'll never be rich, don't plan on being that poor either. It's about rights and this bill, you just wait, if it stands. Watch the old movie "Demolition Man" with Sylvester Stalone and Westly Snipes. The society in that movie is what they are striving for.

You hit the nail on the head.

[Guest 6.8 AR]

I have a union job and my insurance which was considered "Cadillac" is supposedly exempted from everyone else's burden. I apologise for this Congress' theft from all of you, but mine will just come a little later. My wife is a nurse at a charitable hospital in Nashville and it will become less charitable after this bill. Neither of us see any benefits in the bill other than my so called exemption. It will prevent people needing immediate procedures by consulting some board in DC before dolling out those procedures. People have died in England and Canada because of that. Many other things will be to our detriment.

strel, God Bless you for being a single father with I'm sure two fine children. It's a

struggle for anyone to raise a family, nowadays, and you are to be admired for that.

There may be a benefit for you in this bill, but what you will have to sacrifice, eventually, will cost you your freedom. What it will cost me is more troubling. There is no reason for the gov to force me to pay your healthcare. I hope you understand this

because of the place you live in, America. It's about you and your children's right to choose to live a certain way without infringing on others. That can't happen when I

am forced to pay your healthcare. What am I going to have to do for someone else,

next week. What liberty/achievement/success am I going to have to give up so you can benefit? Please don't take this as an attack on you. It's not. You can substitute

anyone's name you wish for the times I used "I" or "you" in what I write.

This bill will benefit no one except those who have no value for human life, the people

who wrote the bill.

It's not about healthcare, it's about undeserved power. This bill pits you against me.

Is that right?

[bronco302]

I think it is a bit to early to ask such a question. You don't even know what this bill is going to do for you yet. To me that is the kick in the head is, if this bill is so good why all the backroom dealing, all the exempting. If it is so good should not our Representatives be getting in line to set an example. I'm sorry but the example set is it's good enough for the masses but I your elected official want something better, and you get to pay for it.

I hope the question in the future is not "What has this bill done to me?"

Joe

[Smith]

You know when I was a little kid and didn't understand money but my older brother did, he would often trade me nickels for dimes. His argument was, "the bigger ones have to be worth more, right?"

Same thing with this bill. You will get something but it will be worth at less than half of what you give up. The bright side is, many will think they got a really good deal! My salary got cut in half, but at least I don't have to pay the doctor!

[-Bristol-]

I like the question, but don't know the answer. It's too early to tell. The bill is way too big, too complex and people are just now starting look at its impact. It was rushed thru and includes many back room deals to secure the votes. AND, congress promised they will continue to tweak it with additinal bills as the contents become more clear. They told us it wasn't perfect but that it was something to start with.

[DavidM]

I have a union job and my insurance which was considered "Cadillac" is supposedly exempted from everyone else's burden. I apologise for this Congress' theft from all of you, but mine will just come a little later. My wife is a nurse at a charitable hospital in Nashville and it will become less charitable after this bill. Neither of us see any benefits in the bill other than my so called exemption. It will prevent people needing immediate procedures by consulting some board in DC before dolling out those procedures. People have died in England and Canada because of that. Many other things will be to our detriment.

strel, God Bless you for being a single father with I'm sure two fine children. It's a

struggle for anyone to raise a family, nowadays, and you are to be admired for that.

There may be a benefit for you in this bill, but what you will have to sacrifice, eventually, will cost you your freedom. What it will cost me is more troubling. There is no reason for the gov to force me to pay your healthcare. I hope you understand this

because of the place you live in, America. It's about you and your children's right to choose to live a certain way without infringing on others. That can't happen when I

am forced to pay your healthcare. What am I going to have to do for someone else,

next week. What liberty/achievement/success am I going to have to give up so you can benefit? Please don't take this as an attack on you. It's not. You can substitute

anyone's name you wish for the times I used "I" or "you" in what I write.

This bill will benefit no one except those who have no value for human life, the people

who wrote the bill.

It's not about healthcare, it's about undeserved power. This bill pits you against me.

Is that right?

I'm afraid you are correct, my friend. Anytime the liberal (notice I did not say Democrat nor Republican) government can chip away at our rights and freedoms, it will. I am not a pessimist, but I AM a realist. This is yet another foot in the door. Nowhere in the Constitution does it spell out that we the people have the right to healthcare. True, it may seem to help those who are really struggling and really trying, like this single dad. But welfare helps some people who really need it, too. And we see how that system can be exploited. Now I will get to pay for the healhcare for the fat asses, lazy, drunk, high or otherwise uncaring individuals. It's a shame, but it's true. The result from this passge will only be more power to Washington, and damn to cost to we the people. I even have relatives who see it differently, and they are sorely mistaken.

[Rightwinger]

first:

please spear me with all those socialist, Obama sucks, and we going to hell comments. they are childish, and insane.

give me One or more personal reasons why this bill is eider Good or Bad for you.

Don't think about Country , State , County or City or anybody else, it is all about you ,only You, and nobody but you .

give me some hardcore numbers

i will start.

I'm full time single Dad of 2 , i pay 5000$ a year for family insurance.

and on top of that i have to pay 20% extra of all cost when I or my kids go to doctor.

so this bill should lower my Insurance, and i hope it should lower that 20% payment to.

thanks for reading

It has no basis in law to be done! That's it.

I do not care that your single, your issue.

You have two kids, again YOUR issue.

You seem to think that these things that are your issues should be solved by others. You knew or should have known that healthcare costs money. Just like gas or food. When you decide you wish to use those services or buy gas or food, you better come with some cash or insurance.

Stop thinking there is an unlimited magic source to all things and that the folks that make more money than you are evil because they planned better or even just got more lucky. Live to your means and don't let the envy eat you up.

[G27]

I'll tell you the main reason this law is bad - it's a reduction of my liberty. If you'll accept that for lower insurance rates then you're already lost.

You think it's going to lower your rates?

1. You are young and don't want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the "privilege." (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You'll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That's because insurance companies will no longer be able to underwrite on the basis of a person's health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you'd like a policy that is cheaper because it doesn't cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that's what the customer wants. (Section 2712).

5. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care.

You're a single guy without children? Tough, your policy must cover pediatric services. You're a woman who can't have children? Tough, your policy must cover maternity services. You're a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

You think you're going to get all this required extra coverage for free?

[Hgunner]

first:

it is all about you ,only You, and nobody but you .

unfortunately it's not, and that is the attitude that is ruining this country.

Selfish, spoiled, entiltiled......it's all about me, have to have it now....

The healthcare bill is about control of people and redistribution of wealth period, it will not help you or lower your premiums.

[G27]

The healthcare bill is about control of people and redistribution of wealth period, it will not help you or lower your premiums.

Yah, just wait until the clamor for government insurance becomes deafening from those who cannot afford the gov't mandated minimum coverages from those evil private health insurance corporations.

This is only the beginning, and if some folks want to walk around with blinders on thinking "sure, I'll give up a little liberty for some financial safety", they'll wake up eventually...

[Guest Askgeneral]

There already is a system in place that provides free health care......join the military.

[Daniel]

You premium will go up no doubt about it. you are required to have insurance. Now the insurance company can charge you what ever they want to and you will have to pay it.

As far as me, I am Active duty military right now. there was a exception made for the "gold plated" policies made for the unions not for the military. How gold plated is a 100% no deductible insurance policy worth? How much do you think I am going to get taxed for it. I am going to have that tax for the rest of my life as I have 20 years and have the coverage for the rest of my life. To top that off they are going to tax my pre tax deductions for my savings accounts. How much are they going to take out of that?

I was listening to NPR on the way home yesterday. They were interviewing someone knowledgeable on this but I didn't catch just who it was... basically Tricare is exempt. Problem with that was that some people want to have their kids covered until 26 and they cant be as the law is at the moment.

[G27]

Well, despite the loss of liberty, at least this will save us money!

A list of all the new boards, bureaucracies, commissions, and programs created in H.R. 3962:

1. Retiree Reserve Trust Fund (Section 111(d), p. 61)

2. Grant program for wellness programs to small employers (Section 112, p. 62)

3. Grant program for State health access programs (Section 114, p. 72)

4. Program of administrative simplification (Section 115, p. 76)

5. Health Benefits Advisory Committee (Section 223, p. 111)

6. Health Choices Administration (Section 241, p. 131)

7. Qualified Health Benefits Plan Ombudsman (Section 244, p. 138)

8. Health Insurance Exchange (Section 201, p. 155)

9. Program for technical assistance to employees of small businesses buying Exchange coverage (Section 305(h), p. 191)

10. Mechanism for insurance risk pooling to be established by Health Choices Commissioner (Section 306(, p. 194)

11. Health Insurance Exchange Trust Fund (Section 307, p. 195)

12. State-based Health Insurance Exchanges (Section 308, p. 197)

13. Grant program for health insurance cooperatives (Section 310, p. 206)

14. "Public Health Insurance Option" (Section 321, p. 211)

15. Ombudsman for "Public Health Insurance Option" (Section 321(d), p. 213)

16. Account for receipts and disbursements for "Public Health Insurance Option" (Section 322(, p. 215)

17. Telehealth Advisory Committee (Section 1191 (, p. 589)

18. Demonstration program providing reimbursement for "culturally and linguistically appropriate services" (Section 1222, p. 617)

19. Demonstration program for shared decision making using patient decision aids (Section 1236, p. 648)

20. Accountable Care Organization pilot program under Medicare (Section 1301, p. 653)

21. Independent patient-centered medical home pilot program under Medicare (Section 1302, p. 672)

22. Community-based medical home pilot program under Medicare (Section 1302(d), p. 681)

23. Independence at home demonstration program (Section 1312, p. 718)

24. Center for Comparative Effectiveness Research (Section 1401(a), p. 734)

25. Comparative Effectiveness Research Commission (Section 1401(a), p. 738)

26. Patient ombudsman for comparative effectiveness research (Section 1401(a), p. 753)

27. Quality assurance and performance improvement program for skilled nursing facilities (Section 1412((1), p. 784)

28. Quality assurance and performance improvement program for nursing facilities (Section 1412 ((2), p. 786)

29. Special focus facility program for skilled nursing facilities (Section 1413(a)(3), p. 796)

30. Special focus facility program for nursing facilities (Section 1413((3), p. 804)

31. National independent monitor pilot program for skilled nursing facilities and nursing facilities (Section 1422, p. 859)

32. Demonstration program for approved teaching health centers with respect to Medicare GME (Section 1502(d), p. 933)

33. Pilot program to develop anti-fraud compliance systems for Medicare providers (Section 1635, p. 978)

34. Special Inspector General for the Health Insurance Exchange (Section 1647, p. 1000)

35. Medical home pilot program under Medicaid (Section 1722, p. 1058)

36. Accountable Care Organization pilot program under Medicaid (Section 1730A, p. 1073)

37. Nursing facility supplemental payment program (Section 1745, p. 1106)

38. Demonstration program for Medicaid coverage to stabilize emergency medical conditions in institutions for mental diseases (Section 1787, p. 1149)

39. Comparative Effectiveness Research Trust Fund (Section 1802, p. 1162)

40. "Identifiable office or program" within CMS to "provide for improved coordination between Medicare and Medicaid in the case of dual eligibles" (Section 1905, p. 1191)

41. Center for Medicare and Medicaid Innovation (Section 1907, p. 1198)

42. Public Health Investment Fund (Section 2002, p. 1214)

43. Scholarships for service in health professional needs areas (Section 2211, p. 1224)

44. Program for training medical residents in community-based settings (Section 2214, p. 1236)

45. Grant program for training in dentistry programs (Section 2215, p. 1240)

46. Public Health Workforce Corps (Section 2231, p. 1253)

47. Public health workforce scholarship program (Section 2231, p. 1254)

48. Public health workforce loan forgiveness program (Section 2231, p. 1258)

49. Grant program for innovations in interdisciplinary care (Section 2252, p. 1272)

50. Advisory Committee on Health Workforce Evaluation and Assessment (Section 2261, p. 1275)

51. Prevention and Wellness Trust (Section 2301, p. 1286)

52. Clinical Prevention Stakeholders Board (Section 2301, p. 1295)

53. Community Prevention Stakeholders Board (Section 2301, p. 1301)

54. Grant program for community prevention and wellness research (Section 2301, p. 1305)

55. Grant program for research and demonstration projects related to wellness incentives (Section 2301, p. 1305)

56. Grant program for community prevention and wellness services (Section 2301, p. 1308)

57. Grant program for public health infrastructure (Section 2301, p. 1313)

58. Center for Quality Improvement (Section 2401, p. 1322)

59. Assistant Secretary for Health Information (Section 2402, p. 1330)

60. Grant program to support the operation of school-based health clinics (Section 2511, p. 1352)

61. Grant program for nurse-managed health centers (Section 2512, p. 1361)

62. Grants for labor-management programs for nursing training (Section 2521, p. 1372)

63. Grant program for interdisciplinary mental and behavioral health training (Section 2522, p. 1382)

64. "No Child Left Unimmunized Against Influenza" demonstration grant program (Section 2524, p. 1391)

65. Healthy Teen Initiative grant program regarding teen pregnancy (Section 2526, p. 1398)

66. Grant program for interdisciplinary training, education, and services for individuals with autism (Section 2527(a), p. 1402)

67. University centers for excellence in developmental disabilities education (Section 2527(, p. 1410)

68. Grant program to implement medication therapy management services (Section 2528, p. 1412)

69. Grant program to promote positive health behaviors in underserved communities (Section 2530, p. 1422)

70. Grant program for State alternative medical liability laws (Section 2531, p. 1431)

71. Grant program to develop infant mortality programs (Section 2532, p. 1433)

72. Grant program to prepare secondary school students for careers in health professions (Section 2533, p. 1437)

73. Grant program for community-based collaborative care (Section 2534, p. 1440)

74. Grant program for community-based overweight and obesity prevention (Section 2535, p. 1457)

75. Grant program for reducing the student-to-school nurse ratio in primary and secondary schools (Section 2536, p. 1462)

76. Demonstration project of grants to medical-legal partnerships (Section 2537, p. 1464)

77. Center for Emergency Care under the Assistant Secretary for Preparedness and Response (Section 2552, p. 1478)

78. Council for Emergency Care (Section 2552, p 1479)

79. Grant program to support demonstration programs that design and implement regionalized emergency care systems (Section 2553, p. 1480)

80. Grant program to assist veterans who wish to become emergency medical technicians upon discharge (Section 2554, p. 1487)

81. Interagency Pain Research Coordinating Committee (Section 2562, p. 1494)

82. National Medical Device Registry (Section 2571, p. 1501)

83. CLASS Independence Fund (Section 2581, p. 1597)

84. CLASS Independence Fund Board of Trustees (Section 2581, p. 1598)

85. CLASS Independence Advisory Council (Section 2581, p. 1602)

86. Health and Human Services Coordinating Committee on Women's Health (Section 2588, p. 1610)

87. National Women's Health Information Center (Section 2588, p. 1611)

88. Centers for Disease Control Office of Women's Health (Section 2588, p. 1614)

89. Agency for Healthcare Research and Quality Office of Women's Health and Gender-Based Research (Section 2588, p. 1617)

90. Health Resources and Services Administration Office of Women's Health (Section 2588, p. 1618)

91. Food and Drug Administration Office of Women's Health (Section 2588, p. 1621)

92. Personal Care Attendant Workforce Advisory Panel (Section 2589(a)(2), p. 1624)

93. Grant program for national health workforce online training (Section 2591, p. 1629)

94. Grant program to disseminate best practices on implementing health workforce investment programs (Section 2591, p. 1632)

95. Demonstration program for chronic shortages of health professionals (Section 3101, p. 1717)

96. Demonstration program for substance abuse counselor educational curricula (Section 3101, p. 1719)

97. Program of Indian community education on mental illness (Section 3101, p. 1722)

98. Intergovernmental Task Force on Indian environmental and nuclear hazards (Section 3101, p. 1754)

99. Office of Indian Men's Health (Section 3101, p. 1765)

100.Indian Health facilities appropriation advisory board (Section 3101, p. 1774)

101.Indian Health facilities needs assessment workgroup (Section 3101, p. 1775)

102.Indian Health Service tribal facilities joint venture demonstration projects (Section 3101, p. 1809)

103.Urban youth treatment center demonstration project (Section 3101, p. 1873)

104.Grants to Urban Indian Organizations for diabetes prevention (Section 3101, p. 1874)

105.Grants to Urban Indian Organizations for health IT adoption (Section 3101, p. 1877)

106.Mental health technician training program (Section 3101, p. 1898)

107.Indian youth telemental health demonstration project (Section 3101, p. 1909)

108.Program for treatment of child sexual abuse victims and perpetrators (Section 3101, p. 1925)

109.Program for treatment of domestic violence and sexual abuse (Section 3101, p. 1927)

110.Native American Health and Wellness Foundation (Section 3103, p. 1966)

111.Committee for the Establishment of the Native American Health and Wellness Foundation (Section 3103, p. 1968)

[oldogy]

There already is a system in place that provides free health care......join the military.

Do you not suppose that the "free medical care" as provided by the military is a perk for the job. Like a reduced pay rate in exchange for the insurance.

All this private employee provided insurance got started as a perk to get folks to come to work, to sweeten the pot.

oldogy

[leroy]

first:

.... (You please give -- LEROY Edit...) One or more personal reasons why this bill is eider Good or Bad for you.

....

give me some hardcore numbers

i will start.

I'm full time single Dad of 2 , i pay 5000$ a year for family insurance.

and on top of that i have to pay 20% extra of all cost when I or my kids go to doctor.

so this bill should lower my Insurance, and i hope it should lower that 20% payment to.

thanks for reading

As you have asked; I aint gonna lecture you about why this is bad. If you don’t understand that; you have simply chosen not to believe the truth of things.

I worked for a large multi-state company for many years (...38 to be exact...). Did the usual thing that everyone who is employed did; I paid part of my insurance and the company paid part (... by the way, that's baloney too; you pay for all of it. If "the company pays part of your insurance" -- as they like to say; the secret is that you pay for all of it because it is part of your total compensation package).

I have since retired this company and their insurance is set up where the total premiums for the insured population (... the total number or population of employees and retirees...) have to equal the total payments made for the entire population for that entire year. In english, the total cost for covered services plus the fees for BCBS administering the insurance have to equal the total premium for each member times the number of members in the plan.

My insurance is pretty good. It is an 80/20 co pay thing with individual maximum out of pocket max being $500 and total family out of pocket max equaling $1500. Ever doctor visit is $25. Emergency Room is probably $100 (… don’t know for sure, try not to go…).

Here is the bad part. In round numbers my premium is $1000 / month or $12,000 per year that I PAY; NO BODY ELSE PAYS IT. IF I DROP IT, IT’S GONE. I am 63 years old in relatively good health, have a wife and a boy in school. Is my insurance expensive? It is, but I have friends that are paying about $14 or $15 k for the same insurance (... they are self employed and about my age...).

Rhetorical questions follow:

·Do I think it’s too expensive? Yeah it is. But the government sure aint going to lower it. They never have. iF I CHOOSE TO, i can get a policy that costs less. The premium is lower; but the out of pocket costs go up. That's what younger folks do (... some of them in the company i worked for...). That's ok.

·Do i think that the insurance companies are fat cats making too much money? No. As I said, for my peer group (... mostly older folks...) the cost is what it is with a small adder for administration. The fact is that the insurance companies are regulated entities that have a ton of rules to go by; all of them made by the state insurance commissions. By the way, thes commissions are populated by lawyers and polititians. Take a look and see. The insurance companies are not just out there running wild like some politicians say.

· Who is to blame for high insurance costs today? The Federal Government thru its meddling in Medicare and Medicaid. The Tort law lobby that sues the doctors and pharmaceutical companies for alleged (...and a few real...) mistakes. The politicians who have lied to the average guy and said that insurance is a right that he is entitled to and not a product that is for sale. The ole "green eyed" devil himself who has entered into lots of people and made them envious of their neighbor's goods. It’s called class envy by the pundits.

·Do I think that there ought to be some changes in insurance coverage? Yeah. What are they?

oPeople should be able to keep their insurance if they change jobs with the provision that they can pay it. Insurance aint free. It should be portable.

oIF YOU DEVELOP A LIFE THREATENING PRECONDITION, you should not have your insurance dropped; but they may be an adder to cover a portion of the extra cost that the insurer knows he is going to pay.

·Do I think insurance is a right that i'm entitled to? No and neither should you. It is a product you buy for the price you should decide. That means you, not the government are responsible for you and yours. The government has no money, it takes money from its citizens and uses that money to do whatever they do (…most of which, by the way, is wrong and wasteful—take a look around….) Does government buy votes with the dollars they confiscate from its citizens? Yes they do. That is what this whole thing is about.

Hope this helps.

Kind regards,

Leroy

PS: REMEMBER, THERE AINT NO RAINBOW STEW!!

[molonlabetn]

As a single, healthy male with good income who won't be eligable for any discounts or provisions from this bill (actually will be losing deductions and paying additional 4 1/2% next year on top of everything else). I'll be paying for insurance for myself, and from what I can calculate thus far, approximately 2 additional families who I do not know, nor am responsible for.

You're welcome.

Makes me just want to work less and take my investments offshore.