Affordable Health Care Law Upheld

[Beach Runner]

This is really good news for at lot of people!

This is really good news for our daughter. She is on COBRA right now, but when that ends, she wouldn't have been able to get private health insurance due to a pre-existing condition. As a self-employed photographer, she will be able to get health insurance when her COBRA expires in 2014. What a relief!

I know that many of you are 100% against this law, and I understand why. As Kurt would probably say, don't attack me for my opinion but rather attack the law and explain why you are against it.

[Zebraspots]

Your family will all need to vote for Obama then - Romney has promised to repeal Obamacare on his first day of office!

[Arkiehawg]

Your family will all need to vote for Obama then - Romney has promised to repeal Obamacare on his first day of office!

Talks cheap when you are running for office. The only way for Romney to repeal it is to

1. Become POTUS
2. Have GOP control of both House AND Senate
3. Avoid a filibuster by the Senate Democrats.

Odds are greater that the world will end in 2012 before all of that happens...

[30A Skunkape]

Talks cheap when you are running for office. The only way for Romney to repeal it is to

1. Become POTUS
2. Have GOP control of both House AND Senate
3. Avoid a filibuster by the Senate Democrats.

Odds are greater that the world will end in 2012 before all of that happens...

At the risk of this devolving into a drunken brawl...what about an executive order!?

[BeachSiO2]

Talks cheap when you are running for office. The only way for Romney to repeal it is to

1. Become POTUS
2. Have GOP control of both House AND Senate
3. Avoid a filibuster by the Senate Democrats.

Odds are greater that the world will end in 2012 before all of that happens...

At the risk of this devolving into a drunken brawl...what about an executive order!?

Exactly. Romney has already been discussing waivers he would issue in lieu of repeal. I heard there is a brawl underway on another website with some interesting discussion.

[Arkiehawg]

Exactly. Romney has already been discussing waivers he would issue in lieu of repeal. I heard there is a brawl underway on another website with some interesting discussion.

It is my understanding that a XO wouldn't be allowed in this scenario. The only way to repeal is through the legislative process. True, he may be able to offer some waivers, but they wouldn't be immediate in being inacted and I'm sure that they would be challenged in a court and probably end up in front of SCOTUS after 4-5 years....

[BeachSiO2]

There are many different types of waivers the President can grant. Here is an article about 1200+ that have been granted to companies by the current administration and they are for the law.

http://thehill.com/blogs/healthwatch...thcare-waivers

IMO, a Romney administration would find ways to grant even more and different waivers. He has already stated he will give states waivers and it is mentioned again today in this article(six paragraph from the bottom).

http://thehill.com/video/campaign/23...-peoples-taxes

[Beach Runner]

On a less serious note, I received this email:

From: CNN Breaking News [mailto:BreakingNews@mail.cnn.com]
Sent: Thursday, June 28, 2012 10:09 AM
To: textbreakingnews@ema3lsv06.turner.com
Subject: CNN Breaking News

The Supreme Court has struck down the individual mandate for health care - the legislation that requires all to have health insurance.

That was soon followed by this email:

From: CNN Breaking News [mailto:BreakingNews@mail.cnn.com]
Sent: Thursday, June 28, 2012 10:18 AM
To: textbreakingnews@ema3lsv06.turner.com
Subject: CNN Breaking News

Correction: The Supreme Court backs all parts of President Obama’s signature health care law, including the individual mandate that requires all to have health insurance.

Apparently CNN jumped the gun when the Chief Justice rejected the mandate using the Commerce Clause, thus the first email. Then he said that the U.S. had the right to uphold the mandate due to its power of taxation, thus the second email.

[beachmouse]

This was making the rounds earlier today. Click on it to read the iPad screen.

[miznotebook]

I understand that Vermont has plans to use a waiver to put a single-payer system in place in the state: http://www.boston.com/business/healt...LvJ/story.html

There are many different types of waivers the President can grant. Here is an article about 1200+ that have been granted to companies by the current administration and they are for the law.

http://thehill.com/blogs/healthwatch...thcare-waivers

IMO, a Romney administration would find ways to grant even more and different waivers. He has already stated he will give states waivers and it is mentioned again today in this article(six paragraph from the bottom).

http://thehill.com/video/campaign/23...-peoples-taxes

[ReginaR]

There is nothing in the law about how to ensure adequate incentives to maintain a healthcare workforce to accomplish all this. There are however mandates that will deplete our already inadequate numbers because many new requirements will drive physicians and nurses of conscience to leave their profession. For instance the Independent Advisory Board made up of non healthcare people in some far off place will require us to deny some lifesaving measures to patients regardless of ability to pay if they deem it "for the common good". Bad news for some premies, elderly, disabled, chronic and terminally ill. Medicine is not a youthful profession and many if us who can retire but work because we care, will retire rather than look our patients in the eye and refuse. That is not the oath we took.

[Arkiehawg]

There is nothing in the law about how to ensure adequate incentives to maintain a healthcare workforce to accomplish all this. There are however mandates that will deplete our already inadequate numbers because many new requirements will drive physicians and nurses of conscience to leave their profession. For instance the Independent Advisory Board made up of non healthcare people in some far off place will require us to deny some lifesaving measures to patients regardless of ability to pay if they deem it "for the common good". Bad news for some premies, elderly, disabled, chronic and terminally ill. Medicine is not a youthful profession and many if us who can retire but work because we care, will retire rather than look our patients in the eye and refuse. That is not the oath we took.

The members will be national experts in health care, including physicians and other health professionals, employers, consumers, and seniors. In other words, the Independent Payment Advisory Board will not be a board of government bureaucrats.

Experts agreed that the board has no say in whether any individual receives dialysis, chemotherapy or any other treatment. It is barred by Section 3403 of the health care law from making policy recommendations that would block patients from needed care.

Since you are incorrect on the IPAB makeup, would you provide us factual information to substantiate your other claims of genocide and mass exodus of healthcare professionals....

[tsutcli]

How about attacking the funding provisions in the Bill? No money=no implementation

[jcpd2]

The 15 members of the board are appointed by the President and confirmed by the Senate. I think that places them into the government bureaucrat league.

[LuciferSam]

http://www.huffingtonpost.com/daniel...usaolp00000009

If you don't want your government in the business of healthcare, there are number countries you can move to. Haiti, Liberia, Turkmenistan, and Bangladesh to name a few.

But maybe Haiti is still a little too close to our socialist empire for comfort. (Dear God, what if America's newfound brand of Marxist, fascist dictatorship were to spread?!) Don't worry, because the majority of the continent of Africa is far away from both Obamacare -- and any sort of care whatsoever. In fact, for you diehard libertarians who hate having your government provide things, there aren't many places better-suited for you than Liberia. Not only will the Liberian government not provide you with health care, but it will also fail to provide for just about every other basic human need. It's no coincidence that the country's motto is, "The love of liberty brought us here," because nothing represents the anti-Obamacare brand of liberty than a very high risk of catching a serious infectious disease and a low likelihood of finding the resources to treat it. As a bonus for you fans of the Second Amendment who feel that it's necessary to have a gun on you at all times, you're going to love this beautiful land where that's probably a pretty good idea.

[Beach Runner]

None of us know when we might have a family member who can't get health insurance due to a pre-existing condition and have an event that could wipe out your retirement account. Email your Congressperson and ask them to vote NO on the repeal of the Affordable Care Act.

[jcpd2]

If they already had insurance, coverage for pre-existing is moot. Does it make any sense that I have paid for health insurance for 40 years in case I need it. Maybe I could wait until a hurricane is 24 hours out to buy a wind policy.

[Beach Runner]

If they already had insurance, coverage for pre-existing is moot. Does it make any sense that I have paid for health insurance for 40 years in case I need it. Maybe I could wait until a hurricane is 24 hours out to buy a wind policy.

It's our daughter, and she was covered under our policies. But that stopped at 26 (it used to be 25, but the ACA gave her an extra year), then she is on COBRA under our insurance until she's 29. That'll be in early 2014 when the ACL kicks in. Her husband should finish his Ph.D. in 2013 and already has job offers. If all of that happens, she can get on his group policy.

We have been making plans for her future ever since she left for college and got diagnosed when we were not privy to her health records. So we are not making plans for a wind policy 24 hours before a hurrricane. We are not stupid.

[lvswb]

It's is amazing how the GOP celebrated the Supreeme Court decision (regarfing the election results) in 2000 but they concider the judges a bunch of wack jobs now days because they upeld the Health Care Law.

[lvswb]

Sorry about the typos in my previous post, wishing you all to have a great evening and remember that America is a compassionate nation. It is time to show it by taking care of our own.

[JudyJames]

I left a COBRA plan last week. Without ACA, insurance plans could (and would) deny my son's pre-existing condition. He is 6 years old. Multiple surgeries ahead. Paid premiums through corporate jobs for 25 years. You geniuses who hate ACA should pray every night that you keep a group plan. Without a corporate plan or ACA, we are all one accident, birth defect or malady away from financial and physical ruin.

[jcpd2]

Sounds like you should have had better lines of communication with your daughter instead of being surprised by her health records.

[JudyJames]

Jcpd2.... That was a jerky thing to say. You have no idea what this family's journey has been.

[Beach Runner]

Sounds like you should have had better lines of communication with your daughter instead of being surprised by her health records.

One has no parental rights when one's child turns 18, yet we pay their tuition and all of their expenses. So jcpd2, you have no clue.

Thanks, JudyJames for your support.

[jcpd2]

We all love our kids and want the best for them. I'm just saying that neither hell nor high water stops me from doing whatever is necessary for them. If that's your case, I'm proud of you for fighting for her. But we are straying pretty far away from the discussion on Obamacare. Get a good night's sleep. No one is trying to slam your family.

[JudyJames]

Are there statistics you are using (JCPD2), that indicate that the uninsured are making a decision to remain uninsured because they are healthy? Do the statistics show that their devious plan is to wait until they get sick, then force insurance companies to cover them?

[NotDeadYet]

Without a corporate plan or ACA, we are all one accident, birth defect or malady away from financial and physical ruin.

This is the reality, thanks Judy.

Unfortunate that so many people think they have planned so well that it won't happen to them.

[jcpd2]

There can't be any statistics because this has never been in existence. For some reason, it seems everyone wants to attack me simply because I have a different philosophy. For me personally, I don't want the government involved in my life anymore than it is, and I wish it was less. If you want more of a government safety net, fine. Just don't expect everyone to walk in lockstep with you on every issue. By the way, my passion is taking care of our seniors in society who have become our throw away population. I've raised over $250,000 for a nursing home that goes to an endowment to pay for their care after they have exhausted their funds. This is what I care about and do in the private sector so the government can stay out of it. So just take a deep breath and agree to disagree. But don't believe you can continue to attack me personally in this blog without my responding to it. If so, you better get your big girl pants on and be prepared.

[JudyJames]

No one has attacked you personally. They have disagreed with your statements. You have the right to your own opinions. Not your own facts. The government has never paid a dime for my health care. Never asked them to.

Regarding your need for self-enggrandizement regarding the money you have raised for a nursing home endowment. A $250,000 endowment with today's interest rates would produce about $5000 per year in interest income available for patient assistance. The average cost for nursing home care in this state is estimated by the Florida Health Care Association at $93,000 per year. While your efforts ar truly noble and should be applauded, I think you can see that they will not solve the problem. Those are FACTS, not opinions.

[LuciferSam]

From what I can see, the first person to do the attacking was the one who out of nowhere made assumptions about somone else's situation.

[JudyJames]

Regarding neither hell or high water would stop someone from taking care of their kids, I agree. But, if every insurance company denies you, what do you do then? Quit your job so that you are eligible for Medicaid to get him the expensive services he needs? No, that would be taking a government hand out and make me a low-life living off of others. Rob a bank? No, that would be illegal.

I'd like some meaningful advice.

Until then, don't you dare lecture me about taking care of my child. You have no idea. Not all issues in life can be shortened to three words and put on a bumper sticker.

You think I need to put on my big girl pants...man up, bud.

[PearlSB4U]

Our family situation is the similar to Beach Runne'sr: our daughter has a pre-existing condition. She was kicked off our Blue Cross/Shield insurance at age 22. With Obamacare, she was reinstated on our insurance up to age 26, at which point the for-profit insurance companies can't deny her insurance coverage.
It's a ruse to say that Obamacare is a gov't takeover of health insurance; most insurance will still be provided by for-profit companies, that really only want to insure healthy people & don't want to pay claims because it hurts their bottom line. We never had the government standing between us & our doctor, but we've had Blue Cross/Shield standing between us & our doctor lots of times.

[jcpd2]

I'm not lecturing anyone. But if you don't think I would do something at all costs for my kids, you are sadly mistaken. I wish I could offer you some meaningful advice. I wish I could make it all go away for you. I'll offer you prayers if you aren't offended by them. I wish there was a magic wand we could all use. I hope your youngster will be fortunate that a private support group will take up his cause and help you raise funds to make your situation less stressful. And for the endowment, I said I contributed to it. I didn't say it was only $250,000. Please slow down and read the FACTS as you like to say. I live part-time in Kentucky and the costs are not the same. As I said before, there is no set solution to any of this and I think the politicians have simply added to all of our frustrations as evidenced by all of those weighing in on this topic. We have to hold them to accountability instead of dividing ourselves.

[JudyJames]

The only pre-existing illnesses that are protected by law are:

1. Pregancy.
2. Children with no lapse in coverage of more than 63 days.
3. Genetic markers in which the disease has not been diagnosed as active

All others can be subjected to up to a 12 month waiting period. Corporate group policies usually negotiate no preexisting illness waivers as long as the new employee had no break in coverage.

Individuals are at the whim of the insurance companies' underwriters. This is particularly true if they are moving from a corporate policy to an individual one. (Example, COBRA ends). These are facts, not opinions.

[NotDeadYet]

We never had the government standing between us & our doctor, but we've had Blue Cross/Shield standing between us & our doctor lots of times.

Unfortunately people don't get this one until they experience it for themselves. Unless you happen to be well off enough to afford to pay out of pocket for whatever you need, sooner or later you are quite likely to discover that your decisions are not as much in your own hands as you thought.
The ACA is an attempt to fix some of what is wrong with the way we pay for health care in this country. For profit insurance companies will not do it on their own; private support groups cannot possibly help more than a fraction of people who need assistance. That only leaves the govt.
Just about every other industrialized country in the world figured this out long ago.

[JudyJames]

I appreciate the tone of your last message. The point I was trying to make is this:

You stated ..."If they already had insurance, coverage for pre-existing is moot. Does it make any sense that I have paid for health insurance for 40 years in case I need it. Maybe I could wait until a hurricane is 24 hours out to buy a wind policy."

The truth is not on your side here. The only way adults can ensure a pre-existing illness is covered is by staying in the same job with the same insurance benefits. This is actually not good for the economy. It causes people to be unwilling to open their own businesses or start new endeavors for fear that they will lose their insurance. Or worse yet, become a government employee!

Your point about paying for insurance for 40 years in case you need it is exactly the reason the mandate is in place. So all people (especially when they are young and healthy) have insurance so that no one else has to pay for their care.

The wind policy argument holds no water.

If you do not have wind insurance, there is not a builder in the world who is required by law to fix your house for free, then pass the cost onto everyone else. There is a law, however, (Emergency Medical Treatment and Active Labor Act) passed in 1986 and signed by RONALD REAGAN, that requires hospitals to provide care regardless of the person's ability to pay.

Who pays for it in the end? You and I do through increased charges from the hospital to our insurance companies who in turn raise our premiums.

Regarding your post about the nursing home... in your first post you said, "I've raised over $250,000 for a nursing home that goes to an endowment to pay for their care after they have exhausted their funds." Then chastise me for calling you out on it by saying, "And for the endowment, I said I contributed to it."

By the way, the average nursing home cost per year is, in fact, less in KY. It is $83,000 per year. The interest amount you raised will pay for 22 days per year for one person in a nursing home. Commendable, but not a long-term solution.

[jcpd2]

Not to nitpick, but the average nursing home care in the largest metropolitan area in Kentucky is $60,000 because I'm paying it so I don't know how they arrive at the inflated numbers. The rest of the state is less. What my other worry is how many doctors will leave their practice when everything is implemented. I won't keep debating this further, but I wish the best for your family's future. Regarding the funds we raise, it is continuous. Fortunately, only a few residents are in the situation that funds are needed. Very few people understand Medicaid and its regulations. Just pray you never have to utilize it for nursing home care. In Kentucky, they can, and do, ship the patient out to Medicaid's choice of facilities and it can be 200 miles from a patient's home and family. Again, good luck to you and you'll be in my prayers whether you want them or not.

[jcpd2]

Actually, one more thing before I conclude. The endowment of which I spoke is several million which has generated enough until this year.

[Beach Runner]

Judy, your numbers are pretty close to what we've experienced. The cost of assisted living and nursing homes is just unbelievable. My Mom lives in a quite nice assisted-living facility south of ATL for $4000 a month, so that's costing $48,000 a year after taxes. Prior to that for a year she was in a nursing home with 4 people per room. We couldn't find a nicer one with any availability. That place was just awful -- the care was good, but the facility was run-down. It cost $8500 a month, so $102,000 a year. That was in 2009, so I'm sure they've increased their prices since then. We looked at hiring several CNAs to stay at her house with her 24/7 and rotate their hours. That was gonna be $130,000 a year. And if what if one of the CNAs did a no show for their shift? My brother and I both work, and our sister lives too far away to help.

After being stunned by the cost of elder care, I purchased a long-term-care insurance policy so I wouldn't have to burden my family or live in a nasty place.

But I don't think the Affordable Care Law addresses long-term care. Does anyone know? I hadn't even thought about that question until jcpd2 brought this up. Yikes!

I'd take care of her, but then I'd have to quit my job and lose my health insurance and our daughter's COBRA.

[Zebraspots]

The only pre-existing illnesses that are protected by law are:

1. Pregancy.
2. Children with no lapse in coverage of more than 63 days.
3. Genetic markers in which the disease has not been diagnosed as active

All others can be subjected to up to a 12 month waiting period. Corporate group policies usually negotiate no preexisting illness waivers as long as the new employee had no break in coverage.

Individuals are at the whim of the insurance companies' underwriters. This is particularly true if they are moving from a corporate policy to an individual one. (Example, COBRA ends). These are facts, not opinions.

I don't think these are facts. Maternity coverage for BCBS has to be added more than 30 days prior to conception for them to cover anything. Less than 30 and no coverage for anything related to pregnancy.

[LLL]

Not true with bcbs... I was pregnant when my when I got coverage with them- they covered everything.

[JudyJames]

All I cam say is google "ore existing conditions insurance exemptions.". Reputable sites spell it out.