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Old 09-15-2018, 09:08 PM
 
Location: Barrington
41,854 posts, read 31,715,364 times
Reputation: 14077

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Quote:
Originally Posted by sindey View Post
People with pre-existing conditions that can't afford a higher premium will not get medical help and they may die.
This is something that should not ever happen in the US.
Both republicans and Dems need to put aside their differences and do something once and for all about this health care debacle.
These politicians get premium health care and they have all forgotten they work for the people of this country.
Shame on all of them.
My brother in law had a preexisting condition ( DVT) years prior and was denied insurance at any cost, so he did without.

He was unaware the ACA was guaranteed issue and believed what he saw on prime time Fox News. Obamacare was bad, bad news, death panels, blah,blah,blah.

He did not seek medical attention for significant unexplained weight loss and pain, figuring he could wait till he was eligible for Medicare.

One morning he could not get out of bed. Off to the ER in an ambulance. He was diagnosed with multiple organ failures attributed to stage 4 Cancer. He died a few days later.

The preexisting condition was unrelated to the Cancer.

We’ll never know if he might have had a fighting chance had he been able to buy insurance and sought medical attention and age appropriate Cancer screening.

In absence of wage/ price and profit controls, the only way to meaningfully reduce the cost of healthcare premiums:

Enable insurers to deny to insure people with preexisting conditions, and

Increase co- insurance, and

Enable insurers to deny renewal to those who develop a condition, and

Reimpose annual / lifetime caps

Sooner or later nearly everyone develops a condition insurers would prefer to not cover.
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Old 09-15-2018, 09:21 PM
 
Location: Barrington
41,854 posts, read 31,715,364 times
Reputation: 14077
Quote:
Originally Posted by PCALMike View Post
Sounds like 1965 when Medicare was about to pass:


https://www.nytimes.com/2009/11/19/o...19kristof.html
There was substantial skepticism about Medicare in the early years. At that time Medicare was hospitalization insurance. Medicine was relatively primitive compared to today where so many formerly fatal diseases are now treatable and sometimes curable.

This Payroll taxes of the baby boom paid for Medicare of the prior generation who paid little to no Payroll Tases toward their Medicare benefits. Baby boomers are the first generation to have paid in their entire working lives. It is also the first generation where wives were substantially more likely to qualify based on their own employment, opposed to their spouces contributions. Same deal now for SSM partners.
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Old 09-15-2018, 09:31 PM
 
Location: Barrington
41,854 posts, read 31,715,364 times
Reputation: 14077
Quote:
Originally Posted by jojajn View Post
FYI, Medicare is a socialistic program with redistribution of medical dollars. For that matter, so is health insurance except there is more redistribution of medical dollars to high level executives of the health insurance companies.
Many types of insurance:

Agriculture

Auto

Deposit

Flood

Healthcare

Liability

Mortgage

Pension

Property

Reinsurance

Travel/ Accident

Workers Comp

All insurance mutualizes ( socializes) risk and makes the world go round.
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Old 09-15-2018, 09:43 PM
 
12,179 posts, read 4,064,703 times
Reputation: 4875
Quote:
Originally Posted by middle-aged mom View Post
There was substantial skepticism about Medicare in the early years. At that time Medicare was hospitalization insurance. Medicine was relatively primitive compared to today where so many formerly fatal diseases are now treatable and sometimes curable.

This Payroll taxes of the baby boom paid for Medicare of the prior generation who paid little to no Payroll Tases toward their Medicare benefits. Baby boomers are the first generation to have paid in their entire working lives. It is also the first generation where wives were substantially more likely to qualify based on their own employment, opposed to their spouces contributions. Same deal now for SSM partners.
Yes, I am sure there was tremendous elite opposition to Germany's universal health care system back in the 1880s as well. But like in the 1960s America, the elites felt threatened. When a large enough chunk of the elites feel threatened, good things tend to happen for the working man and woman. Whether its in the 1930s with the pitchforks coming out against Wall Street, or the 1960s at the height of the cold war, or in 1870s and 80s Germany with millions of desperate Germans moving to the Americas, depopulating large sections of the country and Germany being surrounded by enemies, a massive threat to German elites.
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Old 09-15-2018, 09:55 PM
 
Location: Sunshine Coast, QLD
3,150 posts, read 2,131,350 times
Reputation: 4533
Quote:
Originally Posted by T-310 View Post
Obama wanted wealth redistribution using ACA. He didn’t get mine.
I'm sure he lies awake at night stressing about it too.
Those of us who actually EARN our way in life see the value in a health care system that's fair to both taxpayers and citizens alike.
In the unlikely event that you begin to contribute to civilized society in even the slightest meaningful way, you may see that issues like this do become very important. Until then, keep on taking from others I suppose.
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Old 09-15-2018, 10:11 PM
 
436 posts, read 79,212 times
Reputation: 393
The ACA has its positives and negatives just like anything else. It is not all good and not all bad. Personally, I didn't like that it made it a business' problem to insure people.

On the flip side, as someone with a pre-exisitng condition, it gave me the freedom to leave a job I detested to go back to school for software development. I stayed at that job for 7 years, the last three were solely for the healthcare.

My first year on the ACA, I got no subsidies because I made too much the previous year, the second year, I got $188/mo subsidy for 8 months. I kept my doctor and it worked great for my purposes. It gave me the freedom to go back to school, and still have good coverage. I know it wasn't good for everyone, but I cannot tell you what the freedom to buy an individual plan means for someone with a pre-existing condition that couldn't before.

It is the only social program I have ever used. I used to always find it amusing to hear friends or co-workers talking about subsidizing healthcare costs. Never for a moment did it occur to them that I subsidize their kids and churches with my property taxes.
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Old 09-15-2018, 10:17 PM
 
8,708 posts, read 2,323,384 times
Reputation: 2772
Quote:
Originally Posted by LeaveWI View Post
I'm sure he lies awake at night stressing about it too.
Those of us who actually EARN our way in life see the value in a health care system that's fair to both taxpayers and citizens alike.
In the unlikely event that you begin to contribute to civilized society in even the slightest meaningful way, you may see that issues like this do become very important.
Working for a railroad isn't contributing to civilized society in a meaningful way ?

People other than T-310 who work for railroads might be insulted by your comment.

Shame on you.

Quote:
Until then, keep on taking from others I suppose.
And how, pray tell, does T-310 take from others ?
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Old 09-15-2018, 10:24 PM
 
Location: Unperson Everyman Land
28,988 posts, read 19,002,476 times
Reputation: 7763
Quote:
Originally Posted by Cida View Post
Well, we already knew most of this.


Get Sick, Go Bankrupt and Die

In the case of health care, however, there’s an even deeper problem: The G.O.P. can’t come up with an alternative to the Affordable Care Act because no such alternative exists. In particular, if you want to preserve protection for people with pre-existing conditions — the health issue that matters most to voters, including half of Republicans — Obamacare is the most conservative policy that can do that...

For what Obamacare did was provide incentives to get healthy people to sign up, too. On one side there was a penalty for not having insurance (the individual mandate). On the other, there were subsidies designed to limit health expenses as a share of income. The point, again, is that Obamacare is the most conservative option for covering pre-existing conditions...

https://www.nytimes.com/2018/09/03/o...-bankrupt.html

What Obamacare did was punish the working poor for being unable to afford a ****ty healthcare plan that would still send them to bankruptcy court the first time a policy holder landed in the hospital.

Everyone knows that the purpose of Obamacare was to create a system that would fail miserably and usher in single-payer.

Instead, what it ushered in was Republican control of the House and Senate and the 2016 Trump victory.
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Old 09-15-2018, 11:17 PM
 
Location: my little town
765 posts, read 243,607 times
Reputation: 874
The constantly rising cost of healthcare is a problem with frequent government meddling but never a solution, like any other act of the bloated and dying federal bureaucracy. The healthcare industry will either simplify and reduce cost, or be kicked to the curb by other providers with less bureaucratic baggage and expense: midwives, holistic healers, osteopaths, etc.
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Old 09-16-2018, 06:24 AM
 
Location: In the desert
2,441 posts, read 1,852,855 times
Reputation: 1057
Quote:
Originally Posted by middle-aged mom View Post
My brother in law had a preexisting condition ( DVT) years prior and was denied insurance at any cost, so he did without.

He was unaware the ACA was guaranteed issue and believed what he saw on prime time Fox News. Obamacare was bad, bad news, death panels, blah,blah,blah.

He did not seek medical attention for significant unexplained weight loss and pain, figuring he could wait till he was eligible for Medicare.

One morning he could not get out of bed. Off to the ER in an ambulance. He was diagnosed with multiple organ failures attributed to stage 4 Cancer. He died a few days later.

The preexisting condition was unrelated to the Cancer.

We’ll never know if he might have had a fighting chance had he been able to buy insurance and sought medical attention and age appropriate Cancer screening.

In absence of wage/ price and profit controls, the only way to meaningfully reduce the cost of healthcare premiums:

Enable insurers to deny to insure people with preexisting conditions, and

Increase co- insurance, and

Enable insurers to deny renewal to those who develop a condition, and

Reimpose annual / lifetime caps

Sooner or later nearly everyone develops a condition insurers would prefer to not cover.
This just breaks my heart, I am so so sorry this happened and you are correct. We will never know how many others have suffered like your brother in law.
If politicians who make the decisions had to have the same insurance as others maybe things would be different.
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