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 Can someone please explain to me this Health care reform bill?

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FR1
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PostSubject: Can someone please explain to me this Health care reform bill?   Mon Mar 22, 2010 4:15 pm

Please explain it to me in non-complicated way- I keep watching TV and its all a big fighting thing but what does it mean for the regular Joe?
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DinoSVT
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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Mon Mar 22, 2010 9:32 pm

It means you will be more broke than ever before and if I heard right, if you dont have insurance, you can still get medical care for free. This dont sound right but I might be wrong.
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FR1
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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Mon Mar 22, 2010 10:12 pm

So we who do have insurance will the cost go down for care, meds, and procedures? What happens to medicaid & Medicare? From what I am gather is that taxes will go up to pay for this reform but damn, I want to know how it will benefit me? I mean I am all for helping the less fortunate but why make me pay more when some are wearing better clothing than me, drive nicer cars than I do and asks for hand outs is where I draw the line, better yet where are all these promised jobs? There is not one single law enforcement agency/fire dept in Miami Dade actively hiring right now, they may say apply but really.....ok, I'll stop ranting....
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FR1
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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Mon Mar 22, 2010 11:25 pm

That's what I mean....it is like trying to understand some foreign language that no has heard of, I have asked many the same question, please explain to me in baby words this whole thing but have yet to get a solid answer. These are rough times but hey, as long as we can still drive some V-8's I'll be content.... Smile

I just read this from someone's sig on SSF, kind of funny imo....

"Let me get this straight. We're going to be gifted with a health care plan written by a committee whose chairman says he doesn't understand it, passed by a Congress that hasn't read it but exempts themselves from it, to be signed by a president who also hasn't read it, with funding administered by a treasury chief who didn't pay his taxes, to be overseen by a surgeon general who is obese, and financed by a country that's broke. What could go wrong???"
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antonio1988

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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Fri Mar 26, 2010 12:52 am

ahhhhhhh... how do I start? Basically, what this socialist Washington has now done is create a a legitimate possibility of us adopting a bootleg version of the European health care system. What this means is that the ultimate goal of the bill is to take 75-80% of working Americans, tax them more than they have ever been taxed before, then use this money to give health insurance to the less fortunate. Who exactly are the less fortunate? All the people out there collecting unemployment checks on our behalf. If it were up to me, they would all be placed in Siberia to freeze to death. Why? Because everyone in this soon to be P.O.S. country is looking for a handout... I can understand giving my hard earned money to someone or a family of hardworking, underpaid people, but to all those who have no job, don't bother looking, get their hair done on food stamps and buy their boyfriend a car with the child support money? I condemn them all to hell. Nancy Pelosi and the rest of this circus has to get the f*** on out of Washington, American should seriously look into researching before putting their next candidate in political office.

/rant
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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Sat Mar 27, 2010 1:24 am

Luis wrote:
Never be the same it's the 911 of health care omg

sadly, it really is
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sarip016



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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Sun Mar 28, 2010 6:50 pm

Here are 10 things you need to know about how the new law may affect you:


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1. Your Kids are Covered

Starting this year, if you have an adult child who cannot get health insurance from his or her employer and is to some degree dependent on you financially, your child can stay on your insurance policy until he or she is 26 years old. Currently, many insurance companies do not allow adult children to remain on their parents' plan once they reach 19 or leave school.

2. You Can't be Dropped

Starting this fall, your health insurance company will no longer be allowed to "drop" you (cancel your policy) if you get sick. In 2009, "rescission" was revealed to be a relatively common cost-cutting practice by several insurance companies. The practice proved to be common enough to spur several lawsuits; for example, in 2008 and 2009, California's largest insurers were made to pay out more than $19 million in fines for dropping policyholders who fell ill.

3. You Can't be Denied Insurance

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Starting this year your child (or children) cannot be denied coverage simply because they have a pre-existing health condition. Health insurance companies will also be barred from denying adults applying for coverage if they have a pre-existing condition, but not until 2014.

4. You Can Spend What You Need to

Prior to the new law, health insurance companies set a maximum limit on the monetary amount of benefits that a policyholder could receive. This meant that those who developed expensive or long-lasting medical conditions could run out of coverage. Starting this year, companies will be barred from instituting caps on coverage.

5. You Don't Have to Wait

If you currently have pre-existing conditions that have prevented you from being able to qualify for health insurance for at least six months you will have coverage options before 2014. Starting this fall, you will be able to purchase insurance through a state-run "high-risk pool", which will cap your personal out-of-pocket expenses for healthcare. You will not be required to pay more than $5,950 of your own money for medical expenses; families will not have to pay any more than $11,900.

6. You Must be Insured

Under the new law starting in 2014, you will have to purchase health insurance or risk being fined. If your employer does not offer health insurance as a benefit or if you do not earn enough money to purchase a plan, you may get assistance from the government. The fines for not purchasing insurance will be levied according to a sliding scale based on income. Starting in 2014, the lowest fine would be $95 or 1% of a person's income (whichever is greater) and then increase to a high of $695 or 2.5% of an individual's taxable income by 2016. There will be a maximum cap on fines.

7. You'll Have More Options

Starting in 2014 (when you will be required by law to have health insurance), states will operate new insurance marketplaces - called "exchanges" - that will provide you with more options for buying an individual policy if you can't get, or afford, insurance from your workplace and you earn too much income to qualify for Medicaid. In addition, millions of low- and middle-income families (earning up to $88,200 annually) will be able to qualify for financial assistance from the federal government to purchase insurance through their state exchange.

8. Flexible Spending Accounts Will Become Less Flexible

Three years from now, flexible spending accounts (FSAs) will have lower contribution limits - meaning you won't be able to have as much money deducted from your paycheck pre-tax and deposited into an FSA for medical expenses as is currently allowed. The new maximum amount allowed will be $2,500. In addition, fewer expenses will qualify for FSA spending. For example, you will no longer be able to use your FSA to help defray the cost of over-the-counter drugs.

9. If You Earn More, You'll Pay More

Starting in 2018, if your combined family income exceeds $250,000 you are going to be taking less money home each pay period. That's because you will have more money deducted from your paycheck to go toward increased Medicare payroll taxes. In addition to higher payroll taxes you will also have to pay 3.8% tax on any unearned income, which is currently tax-exempt.

10. Medicare May Cover More or Less of Your Expenses

Starting this year, if Medicare is your primary form of health insurance you will no longer have to pay for preventive care such as an annual physical, screenings for treatable conditions or routine laboratory work. In addition, you will get a $250 check from the federal government to help pay for prescription drugs currently not covered as a result of the Medicare Part D "doughnut hole".

However, if you are a high-income individual or couple (making more than $85,000 individually or $170,000 jointly), your prescription drug subsidy will be reduced. In addition, if you are one of the more than 10 million people currently enrolled in a Medicare Advantage plan you may be facing higher premiums because your insurance company's subsidy from the federal government is going to be dramatically reduced.

Conclusion

Over the next few months you will most likely receive information in the mail from your health insurance company about how the newly signed law will affect your coverage. Read the correspondence carefully and don't hesitate to ask questions about your policy; there may be new, more affordable options for you down the road.
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DinoSVT
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PostSubject: Re: Can someone please explain to me this Health care reform bill?   Sun Mar 28, 2010 10:56 pm

This bill is the worse thing ever. I can see the end of this country soon.

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