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Health Reform - A Good Start...

First In plain English, let me explain just WHAT the bill is enabling/enacting for reform in a nutshell:

Effective Immediately:
  • 1.) Tax Credits for Small Business
  • 2.) Drug Help for Seniors (Doughnut Hole price gap GONE! $250 rebate checks to be sent immediately.)
  • 3.) Coverage Made Available for Pre-Existing Conditions - (High Risk Government Pools (money)  for These people! Effective @ 90 Days)


Effective September 2010:
  • 4.) All Kids COVERED (No Child Denied for Pre-existing... PERIOD!)
  • 5.) Cannot get Dropped if you Get Sick (No rescinding benefits for risk change ie: Diagnosed with Cancer)
  • 6.) No more Lifetime Limits (No more CAPS!) ***
  • 7.) Coverage for Kids up to Age 26 (Your child can now get a master's degree and not worry about Job/Healthcare before they are no longer covered under parents. NICE! Encourage education at the same time!)


Effective January 2011:
  • 8.) 80-85% of your premium MUST be spent on your medical care If they (Insurance) do not spend that, they must issue you rebate checks for the difference! Their profit is limited to 15-20% of your premium.
  • 9.) FREE Preventative Care for Medicare!


Now here's the Republicans slowing things down in interest of the giants that the Dems had to cave to to get the bill this far...
 
Not until 2014:
  • 10.) Total Ban on Pre-Existing Condition Denials
  • 11.) Health Exchanges Open
  • 12.) End to ANNUAL LIMITS on Benefits... (So be prepared folks. Lifetime limits will be gone in 6 months, expect your policies to change drastically to annual limits until 2014. Trust me, I worked for CIGNA for YEARS. I know how that game is played. They are going to reduce/impose very strict annual limits until 2014....) ***


Not perfect, but a great giant leap toward BETTER.... Now the Republicans want to REPEAL this.

Of course you do, your insurance lobby kick-backs will go down! Those are very REAL, progressive, SIMPLE improvements to a broken system.

Listen here Mr. Republican. I am the American Public and everyone I speak to is in favor of Health Care Reform, in fact we wanted a lot more, but we'll take what we can get!

Let me enlighten you rich fat cats a little.

My husband and I are Small Business Owners, We have watched the preimums for our employees SKYROCKET 75% last year and an additional 52% this past November. Why? Our workforce is older, some of our employees have been with the company 30+ Years. They have pre-existing conditions. So every time our group policy comes up for renewal you FUCK US with soaring premiums. I have only 2 companies to choose from In my city. HUMANA or BLUE CROSS, that's it. You have us over a barrel. It's one of those or NOTHING.

We USED to pay 100% of our employees benefits, we did NOT deduct out of their paychecks, we paid for it. These past 2 years, we couldn't and still stay in business. We had to ask our employees to start paying toward their own insurance 25%. Oh they were NOT HAPPY. I can understand that. Even when I worked FOR CIGNA, and insurance company I paid 50% toward my own benefits, so my current employees still have it better than most. But the point it, Insurance FORCED US to have to do this, we did not want to make our employees pay anything. Now at least I can get some tax credits to help pay these soaring premiums and hopefully go back to paying 100% benefits.

It was either that or fire all the sick/older people on my workforce. Um NO. But Republicans want that, they are so OUT OF TOUCH with real Americans.

NOW, me personally?

Let's see, Diabetes, Asthma, Neuropathy, Diabetic Gastro Paresis just to name a few of my PRE-EXISTING conditions. I couldn't get health insurance on my own. I *HAVE* to get it through a group plan where they cannot deny me for pre-existing conditions already in the law. Without a group plan I was SCREWED. My medication alone, if I did not have insurance, would cost me in excess of $2500.00 a MONTH. That is more than I make, more than MOST people make. Then add in Rent, Utilities, kids, food ya know necessities... Is it any wonder people are dying for lack of health care? without insurance I WOULD DIE, I couldn't afford it on my own. That's just my medication, OH LORD do not add in every trip I have to make to a doctor in a month, then the hospital stays. I need the insurance negotiated discounts and copays that help me LIVE. Republicans however, quite happy with the status quo. After all, they HAVE insurance and even if they didn't are wealthy enough to never have to worry about medical bills. Get your heads OUT OF YOUR ASSES. I do not know what POLLS you are quoting, but every single person I talk to. EVERY SINGLE ONE, wants reform, NEEDS IT!

*** This that I marked above means so very much to people like me. Who are lucky to have a group plan, BUT that plan has a $1,000,000.00 Lifetime maximum. What is that? That means you have coverage only up to a million, after that, plan GONE, DEAD. That seems like a lot. It is not. Not if you end up in the hospital, in the ICU, on life support for just 3 weeks. That will suck up that million in a heartbeat. I know. I've once been in the hospital 4 MONTHS! yes, 4 MONTHS! That was in 1999/2000 I nearly DIED. I was on lifesupport, in a medically induced coma, in the ICU for the first 3 weeks, then in the Hospital, learing how to walk, talk, eat, fart, shit all over again! My bill a decade ago? 2.5 Million Bucks. THANK GOD I had a killer HMO back then and I paid a $500 Copay and that was it. I had an unlimited lifetime max then. A decade ago. Now? 1 million that tomorrow I could implode if I end up back in the hospital like that again and it is a very REAL possibility. Most healthy people never think of that, believe me, people with medical conditions like mine, think about it every single day we are alive. It's frightening. It's a little LESS frightening today now that President Obama signed this first part of the bill. I'll still be terrified of annual limits until 2014.

People complaining about those bullet points at the begging of my post, are out of touch with people, like me, like millions of other Americans who live every day with crippling, debilitating conditions. We would like to keep living thank you, we need health care! we need REFORM! We need more, we'll take this olive branch, but you can do better and republicans stop trying to KILL IT with lies, fear tactics etc... Stop taking kick backs from insurance lobbyists and start taking care of the PEOPLE WHO VOTED YOU INTO OFFICE DAMN IT!

Comments

( 17 comments — Leave a comment )
caerfree
Mar. 23rd, 2010 08:36 pm (UTC)
Yes. I just spent 3 weeks in the hospital last March. I paid $4300 just in copays. I have what is considered "good" health insurance on Nao's plan. If I didn't have that, i would now be bankrupt. I would have nothing. It's hard enough the way it is. Plus, the pneumonia I had puts me in that pre-existing condition category. If I couldn't get employer based health insurance, I would be f*cked. This bill isn't everything we wanted, but it's a damn start. There is a lot of work to do, but you can't turn the Titanic on a dime. We just have to keep making our voices heard.
fablespinner
Mar. 23rd, 2010 09:00 pm (UTC)
What gets me is the sheer number of republicans who RACED outside to the camera to begin shouting "We WILL repeal this!" Every, single ONE.

The Fuck?

Who are these people? How on EARTH did they get elected? Who are they scaring into voting for them?
ranuel
Mar. 23rd, 2010 09:08 pm (UTC)
I have a cousin who has always been pretty healthy. She and her husband own a 3 bedroom 2 bath home on a large lot and two cars.

If I get one more teabagger forwarded email from her I will lose it.

I cannot get insurance unless it is through work. I ran up a LOT Of debt that is cripling me financially because I was hospitalized for 3 days 10 years ago before I got my current job and had no insurance.

But hey, her taxes might go up a couple of percentage points so too bad for me.
fablespinner
Mar. 23rd, 2010 09:40 pm (UTC)
Ya know, too bad, You make more money, you pay more taxes. Unless you vote republican. They make sure the rich stay rich and get tax cuts and the every day slobs like you and I drown in debt.
peacewind
Mar. 24th, 2010 03:29 am (UTC)
I know firsthand about the doughnut hole - my sister had to pay thousands and thousands of dollars ($7700!) last year out of pocket for her cancer and other critical drugs (like her anti-seizure meds). Every single year for the past 5 she hit that hole before the amounts reached the "catastrophic" level. Fortunately she had Medicare, but if she'd been much younger...!!!

I don't know what people are using for brains anymore, thinking we don't need reform. ANY REFORM, IMO, is better than the sinkhole we're in now! It baffles me that our health care system is so screwed up compared to other "advanced" nations! *hugs*
fablespinner
Mar. 24th, 2010 05:13 am (UTC)
They can spot SOCIALIST!!!!! all they want... ya know what. that system at least WORKS! HELLO! Use it as a model for pete's sake, that should not be difficult. USE MEDICARE as a model. That works for the most part!
spubba
Mar. 24th, 2010 01:21 pm (UTC)
South Dakota's "socialist" banking system kept its economy relatively stable during the crash. Result? People are now flocking there in droves. (Or they were for a while at least.)

There is the ideology and there is the reality. I personally don't see regulation as "socialism". World of difference.
yummycoffee
Mar. 24th, 2010 05:16 am (UTC)
Hear fucking hear. It's not a perfect bill by any means, but it's a step in the right direction. I'm not even a big political person, but all this Republican fear mongering against it makes me sick. OH NOES CHANGE! KILL IT, KILL IT!

One guy I went to highschool with posted "well enough back door deals happened so health care passed by 4 votes, it is a sad day. Bring on the debt and higher taxes"...did I mention he's going to school to become a doctor?!
fablespinner
Mar. 24th, 2010 05:55 am (UTC)
Rich people = OUT OF TOUCH with the common man.
Redneck (the people who will benefit MOST) so NRA and flag waving republicans they BELIEVE the fear mongering.

Everyone in the middle? Weeping.
spubba
Mar. 24th, 2010 01:00 pm (UTC)
If it's any consolation - I don't think they will be able to repeal the bill. By the time that effort came to any fruition, more people will find themselves able to buy insurance and HAPPY about it and they'll happily vote OUT OF OFFICE anyone who would take health care away from themselves or their newly insured loved ones.

Health care is here to stay. I feel uncomfortable with the mandate, but after reading more about it, I think even that part will be workable.

I think it is our duty as citizens to speak up in favor of this, in any way we can. Using whatever means we have at our disposal. I wonder if my chibis could convey the message in a friendly way to folks who're uncomfortable with HCR.
fablespinner
Mar. 24th, 2010 05:28 pm (UTC)
Chibis poking fun of Republican Senators would ROCK.

Fight fear with MOCKING CHIBIS!
spubba
Mar. 24th, 2010 01:18 pm (UTC)
Also, a very sad part of this is, the people who will benefit the most from this (the blue collar working class) are the ones being courted the most by FOX news, the Republicans, the tea partiers, etc.

They are cogs in the machine that's eating them up and they don't even know it.
forloveofsnape
Mar. 24th, 2010 06:19 am (UTC)
Well said. :) As a near college graduate with health issues (Crohn's being the worst of it) I was watching this thing verrry closely. My mom's got great insurance as a teacher, and let me tell you I was not looking forward to leaving her plan as I pursue graduate work! People without medical issues have no freaking clue. Even without any emergencies, I go for routine test procedures every six months(colonoscopies, etc), those things cost frickin thousands without insurance.

There is a reason the man got the youth vote. Many parts of that bill are great (and some ok), but the extension to 26 got cheers on my campus. :)
spubba
Mar. 24th, 2010 12:56 pm (UTC)
I am freakin' ECSTATIC that at least SOMETHING got passed...!

My Boy could not get insurance today because of a pre-existing condition, and I could not cover him on my insurance unless I (a) married him, and he is over $20,000 in debt over his condition so I would inherit that debt, and (b) paid an ASTRONOMICAL premium because our company only pays a portion of insurance premiums and our insurance SUCKS.

I am personally butthurt and INSULTED by the RACIST, SEXIST, and CLASS-IST (Is that a word? They favor the rich idiot rednecks) attitude of the Republicans who are doing everything they can to BLOCK and OBSTRUCT the passage of health care reform and ending their own kickbacks. It's greed, plain and simple.

These people are not governing. They are LYING to the American people so they can keep lining their pockets.

I am writing letters to ALL my Republican congressmen and this November I am TAKING MY BUTTHURT TO THE POLLS.
fablespinner
Mar. 24th, 2010 05:26 pm (UTC)
I'm already taking BUTTHURT to polls. Unless there is a drastic, 180 turn around in the party, I will never vote Republican. I'm just sad I live in Redneck central... My state goes RED every fucking election. Mitch McConnell (my senator) needs to be hit by a flaming meteor!
spubba
Mar. 25th, 2010 01:34 am (UTC)
I'm afraid that after this debacle, I am not ever voting Republican again - and I am NOT a huge fan of the Democrats! But seriously! They are wink-wink-nudge-nudge ENCOURAGING these monsters to threaten, curse, and physically ATTACK their congressmen and the congressmen's families.

And the attacks are coming in the most cowardly ways - anonymous phone calls, bricks through windows after dark, sabotage of a propane tank so far. I'm sure more is to come- mail bombs, anthrax, good old fashioned homegrown terrorism.

But you know, THEY are the ones in the right, etc. etc.
fablespinner
Mar. 25th, 2010 01:48 am (UTC)
I'm terrified someone is going to die before the republican congressmen/senators will speak out against violence. Silence is condoning, we need someone to stop the madness before someone dies.
( 17 comments — Leave a comment )

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