ok: can someone tell me what good is left for the health care reform

[Aecetia]

My favorite part of this is Nancy Pelosi:

Actually, this one is better:
http://www.youtube.com/watch?NR=1&v=EFWdiS55_j8

[poorgradstudent]

[quote=GH]Want to reform health insurance in a way that saves money and makes sense? Let me go to CostCo or my favorite Health insurance store and buy the SAME EXACT policy they give to their employees. Let me buy across state lines. If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…

IMO – None of these issues are addressed in ObamaCare and it is a Cluster …[/quote]
As you may recall, these were some of the original goals of “National RomneyCare”, but were largely blocked by Republicans and conservative Democrats.

[poorgradstudent]

[quote=GH]Want to reform health insurance in a way that saves money and makes sense? Let me go to CostCo or my favorite Health insurance store and buy the SAME EXACT policy they give to their employees. Let me buy across state lines. If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…

IMO – None of these issues are addressed in ObamaCare and it is a Cluster …[/quote]
As you may recall, these were some of the original goals of “National RomneyCare”, but were largely blocked by Republicans and conservative Democrats.

[poorgradstudent]

[quote=GH]Want to reform health insurance in a way that saves money and makes sense? Let me go to CostCo or my favorite Health insurance store and buy the SAME EXACT policy they give to their employees. Let me buy across state lines. If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…

IMO – None of these issues are addressed in ObamaCare and it is a Cluster …[/quote]
As you may recall, these were some of the original goals of “National RomneyCare”, but were largely blocked by Republicans and conservative Democrats.

[poorgradstudent]

[quote=GH]Want to reform health insurance in a way that saves money and makes sense? Let me go to CostCo or my favorite Health insurance store and buy the SAME EXACT policy they give to their employees. Let me buy across state lines. If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…

IMO – None of these issues are addressed in ObamaCare and it is a Cluster …[/quote]
As you may recall, these were some of the original goals of “National RomneyCare”, but were largely blocked by Republicans and conservative Democrats.

[poorgradstudent]

[quote=GH]Want to reform health insurance in a way that saves money and makes sense? Let me go to CostCo or my favorite Health insurance store and buy the SAME EXACT policy they give to their employees. Let me buy across state lines. If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…

IMO – None of these issues are addressed in ObamaCare and it is a Cluster …[/quote]
As you may recall, these were some of the original goals of “National RomneyCare”, but were largely blocked by Republicans and conservative Democrats.

[bearishgurl]

[quote=GH]….If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…[/quote]

GH, this is the way individuals bought medical insurance for themselves before “Obamacare.” The pricing of the premiums was ALSO based largely upon the individual’s prior health-care usage, reasons for that prior usage and their daily habits, past habits, current weight and a barrage of medical tests before deciding to underwrite.

Now, under “Obamacare,” even fit and well individuals are charged “extra” in their monthly premium to “even out” premiums for high-usage policyholders in their age groups who formerly were “uninsurable” due to pre-existing conditions. A large percentage of those “pre-existing conditions” were directly caused by the behavior of the (formerly uninsurable) individual.

There is a point where a monthly health premium becomes exorbitant, even for a high-usage person. My understanding is that beginning in 2014, these high monthly premiums (> $1,000 month for one individual) will be regulated under Obamacare …. that is, the insurance companies will be regulated as to how much they can charge for premiums for different categories of high-usage individuals. This will only serve to raise EVERY policyholder’s monthly premiums in a particular age group even MORE.

The insurance companies aren’t going to lose money so the money to pay for the “high users” medical bills has to come from somewhere.

[bearishgurl]

[quote=GH]….If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…[/quote]

GH, this is the way individuals bought medical insurance for themselves before “Obamacare.” The pricing of the premiums was ALSO based largely upon the individual’s prior health-care usage, reasons for that prior usage and their daily habits, past habits, current weight and a barrage of medical tests before deciding to underwrite.

Now, under “Obamacare,” even fit and well individuals are charged “extra” in their monthly premium to “even out” premiums for high-usage policyholders in their age groups who formerly were “uninsurable” due to pre-existing conditions. A large percentage of those “pre-existing conditions” were directly caused by the behavior of the (formerly uninsurable) individual.

There is a point where a monthly health premium becomes exorbitant, even for a high-usage person. My understanding is that beginning in 2014, these high monthly premiums (> $1,000 month for one individual) will be regulated under Obamacare …. that is, the insurance companies will be regulated as to how much they can charge for premiums for different categories of high-usage individuals. This will only serve to raise EVERY policyholder’s monthly premiums in a particular age group even MORE.

The insurance companies aren’t going to lose money so the money to pay for the “high users” medical bills has to come from somewhere.

[bearishgurl]

[quote=GH]….If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…[/quote]

GH, this is the way individuals bought medical insurance for themselves before “Obamacare.” The pricing of the premiums was ALSO based largely upon the individual’s prior health-care usage, reasons for that prior usage and their daily habits, past habits, current weight and a barrage of medical tests before deciding to underwrite.

Now, under “Obamacare,” even fit and well individuals are charged “extra” in their monthly premium to “even out” premiums for high-usage policyholders in their age groups who formerly were “uninsurable” due to pre-existing conditions. A large percentage of those “pre-existing conditions” were directly caused by the behavior of the (formerly uninsurable) individual.

There is a point where a monthly health premium becomes exorbitant, even for a high-usage person. My understanding is that beginning in 2014, these high monthly premiums (> $1,000 month for one individual) will be regulated under Obamacare …. that is, the insurance companies will be regulated as to how much they can charge for premiums for different categories of high-usage individuals. This will only serve to raise EVERY policyholder’s monthly premiums in a particular age group even MORE.

The insurance companies aren’t going to lose money so the money to pay for the “high users” medical bills has to come from somewhere.

[bearishgurl]

[quote=GH]….If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…[/quote]

GH, this is the way individuals bought medical insurance for themselves before “Obamacare.” The pricing of the premiums was ALSO based largely upon the individual’s prior health-care usage, reasons for that prior usage and their daily habits, past habits, current weight and a barrage of medical tests before deciding to underwrite.

Now, under “Obamacare,” even fit and well individuals are charged “extra” in their monthly premium to “even out” premiums for high-usage policyholders in their age groups who formerly were “uninsurable” due to pre-existing conditions. A large percentage of those “pre-existing conditions” were directly caused by the behavior of the (formerly uninsurable) individual.

There is a point where a monthly health premium becomes exorbitant, even for a high-usage person. My understanding is that beginning in 2014, these high monthly premiums (> $1,000 month for one individual) will be regulated under Obamacare …. that is, the insurance companies will be regulated as to how much they can charge for premiums for different categories of high-usage individuals. This will only serve to raise EVERY policyholder’s monthly premiums in a particular age group even MORE.

The insurance companies aren’t going to lose money so the money to pay for the “high users” medical bills has to come from somewhere.

[bearishgurl]

[quote=GH]….If and I am approved for insurance, make the legal assumption the insurer has run ALL needed background investigations and concluded I am qualified for their plan, rather than having them deny my claim later after finding out I tried a cigarette in High School…[/quote]

GH, this is the way individuals bought medical insurance for themselves before “Obamacare.” The pricing of the premiums was ALSO based largely upon the individual’s prior health-care usage, reasons for that prior usage and their daily habits, past habits, current weight and a barrage of medical tests before deciding to underwrite.

Now, under “Obamacare,” even fit and well individuals are charged “extra” in their monthly premium to “even out” premiums for high-usage policyholders in their age groups who formerly were “uninsurable” due to pre-existing conditions. A large percentage of those “pre-existing conditions” were directly caused by the behavior of the (formerly uninsurable) individual.

There is a point where a monthly health premium becomes exorbitant, even for a high-usage person. My understanding is that beginning in 2014, these high monthly premiums (> $1,000 month for one individual) will be regulated under Obamacare …. that is, the insurance companies will be regulated as to how much they can charge for premiums for different categories of high-usage individuals. This will only serve to raise EVERY policyholder’s monthly premiums in a particular age group even MORE.

The insurance companies aren’t going to lose money so the money to pay for the “high users” medical bills has to come from somewhere.

[njtosd]

[quote=UCGal]

Economies of scale are NOT working in insurance and big pharma. Look at Lipitor – it’s actually MORE expensive now, despite being one of the most prescribed meds out there. Shouldn’t it have gone down in price if true market forces were allowed to be in place?[/quote]

UCGal – Lipitor is still on patent, so it’s been insulated from “true market forces” and will be until November of this year. Notwithstanding that, Pfizer’s stock price is barely above what it was in 1997. Blame it on overbuying (Wyeth, etc.) or poor management, or whatever. But really – Lipitor (which was a revolutionary drug) is about $3 a day – as much as a cup of coffee and probably less than most people’s cable bills. From a value standpoint, if you have cardiovascular disease, it still seems like a good deal to me . . .

[njtosd]

[quote=UCGal]

Economies of scale are NOT working in insurance and big pharma. Look at Lipitor – it’s actually MORE expensive now, despite being one of the most prescribed meds out there. Shouldn’t it have gone down in price if true market forces were allowed to be in place?[/quote]

UCGal – Lipitor is still on patent, so it’s been insulated from “true market forces” and will be until November of this year. Notwithstanding that, Pfizer’s stock price is barely above what it was in 1997. Blame it on overbuying (Wyeth, etc.) or poor management, or whatever. But really – Lipitor (which was a revolutionary drug) is about $3 a day – as much as a cup of coffee and probably less than most people’s cable bills. From a value standpoint, if you have cardiovascular disease, it still seems like a good deal to me . . .

[njtosd]

[quote=UCGal]

Economies of scale are NOT working in insurance and big pharma. Look at Lipitor – it’s actually MORE expensive now, despite being one of the most prescribed meds out there. Shouldn’t it have gone down in price if true market forces were allowed to be in place?[/quote]

UCGal – Lipitor is still on patent, so it’s been insulated from “true market forces” and will be until November of this year. Notwithstanding that, Pfizer’s stock price is barely above what it was in 1997. Blame it on overbuying (Wyeth, etc.) or poor management, or whatever. But really – Lipitor (which was a revolutionary drug) is about $3 a day – as much as a cup of coffee and probably less than most people’s cable bills. From a value standpoint, if you have cardiovascular disease, it still seems like a good deal to me . . .

[njtosd]

[quote=UCGal]

Economies of scale are NOT working in insurance and big pharma. Look at Lipitor – it’s actually MORE expensive now, despite being one of the most prescribed meds out there. Shouldn’t it have gone down in price if true market forces were allowed to be in place?[/quote]

UCGal – Lipitor is still on patent, so it’s been insulated from “true market forces” and will be until November of this year. Notwithstanding that, Pfizer’s stock price is barely above what it was in 1997. Blame it on overbuying (Wyeth, etc.) or poor management, or whatever. But really – Lipitor (which was a revolutionary drug) is about $3 a day – as much as a cup of coffee and probably less than most people’s cable bills. From a value standpoint, if you have cardiovascular disease, it still seems like a good deal to me . . .

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