Quick ED by Timsomor
Friday, November 26, 2010 5:00PM ET
The bill isn't the government takeover of healthcare that Republicans say it is, and it isn't a socialist scheme. But it would significantly change the way healthcare is paid for and delivered in the United States, and it would represent an enormous expansion of access to medical care.
With all the good things that the Health care bill has included in it like:
For people with preexisting health conditions: Insurance companies would no longer be allowed to deny coverage to people based on their past medical history; everyone would be entitled to insurance, and insurers couldn't charge vastly higher prices for people with preexisting conditions. Right now, states allow insurers to deny coverage to people with any number of conditions -- from acne to cancer -- and some let insurers deny coverage to victims of domestic violence.
For people who get insurance through their jobs: Employers with more than 50 workers would be required to offer insurance. Businesses that don't offer coverage would have to pay $2,000 per employee if any of their employees got federal subsidies to buy their own coverage.
Other reforms to the insurance market: Most plans would be required to cover preventive care with no co-payments, so you could get something like an annual physical for free. Children would be allowed to stay on their parents' insurance until they turn 26. Insurers would have to spend 80 to 85 percent of what people pay in premiums on actual medical services; right now, they're allowed to spend less, pocketing the difference. Insurance companies would no longer be able to drop people from coverage once they get sick, a practice known as "recision." Lifetime limits on the amount of medical care your insurer would pay for would be illegal, and annual limits would be "tightly restricted."
For seniors: The Medicare prescription drug "donut hole," which left seniors on the hook for significant drug bills, would be closed completely by 2020. Seniors who spend enough to fall into the gap in coverage now would get $250 rebates. Medicare taxes would be charged on dividends, capital gains and other unearned income for people making more than $250,000 a year, which would help keep the program solvent.
What about the deficit? The Congressional Budget Office says the bill would lower the deficit by $138 billion over the next 10 years. The decade after that, the bill would cut the deficit by $1.2 trillion. Projections that far out are hard to put much stock in, though.
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Friday, November 26, 2010 5:00PM ET
The bill isn't the government takeover of healthcare that Republicans say it is, and it isn't a socialist scheme. But it would significantly change the way healthcare is paid for and delivered in the United States, and it would represent an enormous expansion of access to medical care.
With all the good things that the Health care bill has included in it like:
For people with preexisting health conditions: Insurance companies would no longer be allowed to deny coverage to people based on their past medical history; everyone would be entitled to insurance, and insurers couldn't charge vastly higher prices for people with preexisting conditions. Right now, states allow insurers to deny coverage to people with any number of conditions -- from acne to cancer -- and some let insurers deny coverage to victims of domestic violence.
For people who get insurance through their jobs: Employers with more than 50 workers would be required to offer insurance. Businesses that don't offer coverage would have to pay $2,000 per employee if any of their employees got federal subsidies to buy their own coverage.
Other reforms to the insurance market: Most plans would be required to cover preventive care with no co-payments, so you could get something like an annual physical for free. Children would be allowed to stay on their parents' insurance until they turn 26. Insurers would have to spend 80 to 85 percent of what people pay in premiums on actual medical services; right now, they're allowed to spend less, pocketing the difference. Insurance companies would no longer be able to drop people from coverage once they get sick, a practice known as "recision." Lifetime limits on the amount of medical care your insurer would pay for would be illegal, and annual limits would be "tightly restricted."
For seniors: The Medicare prescription drug "donut hole," which left seniors on the hook for significant drug bills, would be closed completely by 2020. Seniors who spend enough to fall into the gap in coverage now would get $250 rebates. Medicare taxes would be charged on dividends, capital gains and other unearned income for people making more than $250,000 a year, which would help keep the program solvent.
What about the deficit? The Congressional Budget Office says the bill would lower the deficit by $138 billion over the next 10 years. The decade after that, the bill would cut the deficit by $1.2 trillion. Projections that far out are hard to put much stock in, though.
Most of those savings would come because the government would be spending less on Medicare and Medicaid.
How will medicine change?The bill includes incentives to use more electronic medical records, which should make healthcare more efficient and effective. It would set up pilot programs for medical malpractice tort reform. Community health clinics, which help serve people who often don't have access to other forms of care, would get more funding. Medicare payments would be linked to quality of care, which should shift more providers toward evidence-based standards to see how well treatments work.
What doesn't it do? Even if the bill passes, the fundamental structure of the U.S. medical system will remain more or less the same -- you'll pay a private insurance company, they'll reimburse your doctors for care. There's no public health insurance option, which many progressives wanted; there's nothing remotely like a single-payer healthcare system, which progressives had hoped for at the outset.
That's by design. The White House decided early on to try to work with the big industries involved in healthcare and get them to join the effort, rather than trying to fight against them. Believe it or not, that's made it easier to pass the bill (the opposition would be far greater if most industry groups weren't still on board). But it also limited its ambition -- the goal was to tinker with the way the system worked, not scrap it and replace it with something else.
How did it get to this point?Congress debated the bill for more than a year. It went through three House committees and two Senate committees, including one --Finance -- where Democrats spent months trying to get a bipartisan proposal put together. A lot of Republican ideas made their way into the legislation, even though no Republicans are likely to vote for it.
The House passed its version of the bill on Nov. 7, and the Senate passed its own on Dec. 23. But after Scott Brown won a Massachusetts Senate special election in January, Republicans had enough votes to filibuster any additional healthcare action. So the only way forward was for the House to pass the Senate bill unchanged -- sending it to President Obama to sign -- and then for both chambers to pass a package of changes using the budget reconciliation process.
Still, even after all of that, you have many people acting out against this bill as if their way would be better. Even after seeing all the things that have gone down with the passing of this bill, with all the in fighting with the democrats themselves who really hung their own necks during these pass elections by in some case blocking and sitting on their own parties hands.
This President did not choose this issue because it was the hardest thing to pass, so he believe, but as it was and should have been one of the easiest.
Instead, most of us learned that even with a large number of Democrats (Majority) you still have to deal with a Conservative base from within (Consevadems). When talking about conservative issue's and agenda's we all see they can move with lighting speed, but with liberal ideals there is always intention of moving quickly but always having the spotlight, microscope, or looking glass focused squarely on process.
So when having access to healthcare should be an easy fix we must let scenes like the one below be a representation of so called Obama care, when I myself do not recommend having the conservative mindset of do it your self, many Americans helped those with a very similar concept make is so.
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