Quote:
Originally Posted by Greatday
You are right - while some might try to spin it away - the fact remains, Obama said what he said.
And why on earth should someone who has a great insurance program (the "Cadillac" plan) have to give up the plan so they won't be taxed?
Oh, I got it - Obama (and TM by her own words) don't want "you" to have a Cadillac when others can only afford a Chevy Aveo
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Well.. GD..
Everyone complains about the cost of health care reforms..
And so one way to pay for it is so that those with the "luxury" plans get taxed for having an excessive.. YES EXCESSIVE plan..
Or.. I suppose the rest of us should go without insurance so the snobs can have their "Cadillac" plans
Please..
You can't have your cake and eat it too.
Funny.. in arguments with those about the health care issue many argue that a part of the problem with health care is that people are not "feeling the costs" of going to the Dr. for every little "thing" because of the plans that require no or little out of pocket for familes.
AND, by the way, Cadillac plans are plans that have low deductibles and out of pocket co-pays and no limits on such how many visits, etc.
Many on the side that opposes reform often site the fact that people are going to the doctor more frequently because they don't have to pay more than $20 for a visit and unlimited amount of visits. That more tests are given with those that have such plans and patients do not question BECAUSE they do not have a high deductible or a higher out of pocket co-pay on such procedures OR limitations.
It would seem that the tax on these "cadillac " plans are combating and causing penalties against just the very practice that is said to contribute to just such a thing.
This tax on those "cadillac plans" are meant to limit just that ..excessive use of a system with NO consequence to the person that uses it.
As I've stated.. I think that copays SHOULD be higher for Dr. Visits. AS a matter of fact, to see my regular Doctor would be $60. THat isn't much at all.
Yet to see my endocronologist is $250 just to walk into the door.
Many of those "cadillac" plans do not require any authorization for someone to go to a specialist. So, in essence, if Joe Smith has a belly ache and suddenly thinks he has a gastro-intestinal problem he can bypass the $60 office visit with his primary care (general practitioner) and go right to the specialist for $250 (not including tests)..when , in fact, he could have avoided that costs (not incurred by him , mind you.. all it cost him was $20) by going to his regular Dr. first for an evaluation to see if he truly needed to see a specialist... But to him, the "cost" doesn't matter. Whereas, if he had to pay more to see the specialist he may consider getting the once over from his regular Dr. first to see if his problem warrants having to spend that extra coin on a specialist!
Instead, we should encourage plans that have a slightly higher out of pocket and deductible, but lower premiums...
THEN a person will need to be more personally responsible for their health decisions, and even their health..
Isn't the word personal responsibility the same ones that your side throws around a lot? Where is the personal responsibility in a plan that costs an employer $25K and that allows for excessive use of the health care system without feeling any burden of that excess?
For the most part, in places that do not have public transportation, we all may have a need for a vehicle to get to work, but we all do not certainly need to have a Lambourghini to get to said work.
By the same token, if people want the luxury of wonton Dr. visits at a whim with a cadillac plan, then by all means pay the high premiums if you can afford it.. otherwise, you will be fine with a non cadillac plan.
Yup.. this health care plan needs to be paid for ..I get that.. and I have no problem taxing excess to pay for it.