Reality Check - health care

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Sherry1999

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Dear Friend,​

This is probably one of the longest emails I’ve ever sent, but it could be the most important.​

Across the country we are seeing vigorous debate about health insurance reform. Unfortunately, some of the old tactics we know so well are back — even the viral emails that fly unchecked and under the radar, spreading all sorts of lies and distortions.​


As President Obama said at the town hall in
New Hampshire, “where we do disagree, let's disagree over things that are real, not these wild misrepresentations that bear no resemblance to anything that's actually been proposed.”​


So let’s start a chain email of our own. At the end of my email, you’ll find a lot of information about health insurance reform, distilled into 8 ways reform provides security and stability to those with or without coverage, 8 common myths about reform and 8 reasons we need health insurance reform now.​



Right now, someone you know probably has a question about reform that could be answered by what’s below. So what are you waiting for? Forward this email.​



Thanks,​


David​



David Axelrod​


Senior Adviser to the President​



P.S. We launched www.WhiteHouse.gov/realitycheck this week to knock down the rumors and lies that are floating around the internet. You can find the information below, and much more, there. For example, we've just added a video of Nancy-Ann DeParle from our Health Reform Office tackling a viral email head on. Check it out:​






8 ways reform provides security and stability to those with or without coverage​



  1. Ends Discrimination for Pre-Existing Conditions: Insurance companies will be prohibited from refusing you coverage because of your medical history. Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays: Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses. Ends Cost-Sharing for Preventive Care: Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics. Ends Dropping of Coverage for Seriously Ill: Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill. Ends Gender Discrimination: Insurance companies will be prohibited from charging you more because of your gender. Ends Annual or Lifetime Caps on Coverage: Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive. Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
  2. Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.
Learn more and get details: http://www.WhiteHouse.gov/health-insurance-consumer-protections/


8 common myths about health insurance reform​



  1. Reform will stop "rationing" - not increase it: It’s a myth that reform will mean a "government takeover" of health care or lead to "rationing." To the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies. We can’t afford reform: It's the status quo we can't afford. It’s a myth that reform will bust the budget. To the contrary, the President has identified ways to pay for the vast majority of the up-front costs by cutting waste, fraud, and abuse within existing government health programs; ending big subsidies to insurance companies; and increasing efficiency with such steps as coordinating care and streamlining paperwork. In the long term, reform can help bring down costs that will otherwise lead to a fiscal crisis. Reform would encourage "euthanasia": It does not. It’s a malicious myth that reform would encourage or even require euthanasia for seniors. For seniors who want to consult with their family and physicians about end-of life decisions, reform will help to cover these voluntary, private consultations for those who want help with these personal and difficult family decisions. Vets' health care is safe and sound: It’s a myth that health insurance reform will affect veterans' access to the care they get now. To the contrary, the President's budget significantly expands coverage under the VA, extending care to 500,000 more veterans who were previously excluded. The VA Healthcare system will continue to be available for all eligible veterans. Reform will benefit small business - not burden it: It’s a myth that health insurance reform will hurt small businesses. To the contrary, reform will ease the burdens on small businesses, provide tax credits to help them pay for employee coverage and help level the playing field with big firms who pay much less to cover their employees on average. Your Medicare is safe, and stronger with reform: It’s myth that Health Insurance Reform would be financed by cutting Medicare benefits. To the contrary, reform will improve the long-term financial health of Medicare, ensure better coordination, eliminate waste and unnecessary subsidies to insurance companies, and help to close the Medicare "doughnut" hole to make prescription drugs more affordable for seniors. You can keep your own insurance: It’s myth that reform will force you out of your current insurance plan or force you to change doctors. To the contrary, reform will expand your choices, not eliminate them.
  2. No, government will not do anything with your bank account: It is an absurd myth that government will be in charge of your bank accounts. Health insurance reform will simplify administration, making it easier and more convenient for you to pay bills in a method that you choose. Just like paying a phone bill or a utility bill, you can pay by traditional check, or by a direct electronic payment. And forms will be standardized so they will be easier to understand. The choice is up to you – and the same rules of privacy will apply as they do for all other electronic payments that people make.
Learn more and get details:



 

ina/puusty

New member
Good for listing this information..but on the whole..those who are frusterated by other situations..as to their view points..will be edgy..and crabby. Genuine clarity..is just not the hot seller..innuendo as to death scenarios is. I keep suggesting to those who do not want..the updated info..that they should post the fact that I am WELLbeyond..my..'code date'. Good attempt though..some may read the full listing..at least I hope so. Education..is a good thing, thanks much, ina n HB n Kesa
 

Sherry1999

New member
Yea....I agree Ina...I just felt the urge to post the facts. Not sure it will change any minds...one can hope...This whole thing is really more about the HUGE differences in the two parties than just the health care reform....I just hate the crap that is floating around out there and felt the need to do my part to spread the truth.
 

Windancer

New member
Sherri..thanks for posting these opinions....I did 'skim' thru it..and actually I have read it before. The problem I have with alot of it, it is promises that we have to assume will be fulfilled....Like linking to your bank account......If you read the ACTUAL segment of the proposal....It is not at all "absurd' that the government would have access to your checking account. Things like that...IF this makes me 'edgy' and 'crabby', I don't think so....I just don't trust them..and feel there is an agenda out there that I don't agree with.. Government controll....actually, a STATED agenda....nothing that we are dreaming up...
 

lola

New member
I have been watching the freak outs on TV and must say that from over here, I'm laughing.. The "death pannels" and "euthanasia" and the government deciding who lives or dies. Oh yes, and the comment about the British system and how Stephen Hawking never would have survived with his disablilities in such a system when in reality he was born in the UK and lived there pretty much all his life and credits the national health care system for his life (http://www.huffingtonpost.com/2009/08/12/stephen-hawking-enters-us_n_257343.html).

I know change is hard and because the bill is over 1000 pages long, almost nobody has read it, but I don't feel people should judge a bill until they have read it in full, therefore, most can't say much about it, and it's why I keep my head out of politics. There are always 2 sides of a story, the white house puts their spin on it, the opposition will put on their spin, but until you;ve actually gone through the whole bill, don't put it down.

I can say I wouldn't be alive today without our system up here, my life wasn't deemed "valuable" or "invaluable" by the government, I got my surgeries and lifesaving treatments as a child, and am quite thankful for that. Sure, waiting up to a year for a knee replacement surgery would suck, but it wont kill me, I couldn't afford the surgery if I had to pay, so I would NEVER have it. I have worked with countless children with minor physical/mental disabilities all the way up to major disabilities and they still get care, and have their surgeries paid for if they are needed.

Just my uninformed opinion based on personal experiences.
 

jstregis

New member
By yep, are you saying this is the unvarnished truth ? By way of clarification, I spend most of my day reading as many viewpoints as I possibly can , so as to form the opinions I ultimately have. The message coming from the White House is, a very narrow. one sided view of what health care should look like in America. The people are expressing their discomfort with this view. Most, if you believe the polls, do not want govt, involved to the extent the Bill seems to be going. Why not make necessary changes incrementally ? We could start with, let's say tort reform and gauge the savings that would bring - and, then, move to the next thing. There's no rush and there's no money for this (real money, that is ).
 

Bluedog

New member
I do agree that the majority of what the White House calls "myths" are fodder for those opposed to government run health care. However, the White House responses do not address the specific wording of the proposed bills...and yes I have just finished wading through one version. Much of that wording is non-specific...non-regulatory. That is, it leaves too much open for interpretation and abuse of the system. So it goes with many proposed bills and laws on the books..they are open for interpretation, application and judgement depending on the individual or group. So it's not surprising that there are diverse views on where the truth lies. Truth is relative.

The White House response and the President's proposals on how this is all to be financed are all based on assumption of how business, small and large, will respond to changes in the system. Unfortunately one cannot change human nature or the desire to be profitable...even to the point of excess profit. Profit funds expansion in business...yes it lines pockets of a few greedy buggers, but in essence it keeps the business machine well oiled and running smoothly and competitively. With required health care coverage for every employee, each employee suddenly becomes a larger expense to the company. So in order to maintain their desired profit level they either will limit the number of employees hired or pass on those costs to the consumer. So you either pay for this program in taxes or you pay out of your pocket in increased price of retail goods...or both. Same with the insurance incentives paid out by the government for employers. We will all pay one way or another. With the unemployment rate what it is today, our chunk of viable taxable citizens has dwindled and is continuing to change monthly. Yes the so called "wealthy" have lost jobs, gone into foreclosure, closed businesses, and gone bankrupt as well. Lets hear a big sarcastic "awwwwww that's a shame" from everyone. ;) Huge chunk of tax income lost, especially if you are counting on "taxing the wealthly" and tax breaks for the middle class to fund the enormous government spending that is going on and on the horizon for the future. So the numbers crunched to pay for changes in health care when these bills were drafted are questionable at best.

Could go on with other items that don't add up, but I think you get the gist of my problems with some of the proposals. No scare tactics, just observations on the reasons for some of the myth building and lack of what I feel is fiscally and implementally realistic on the part of the government.

Thanks for posting this Sherry. :)
 
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Sherry1999

New member
I do not live in a fantasy world... I know this info came from the White House...I do feel it is more important and closer to the truth than a lot of the BS and Fear that is being passed along through the media and "right wingers". I do think Tort Reform is a great place to start! Do I think the plan is perfect, no way....but it is better than what we have. I do feel the need to help out my fellow man... even if it means more taxes.
Money really is the root of all evil!
 

Angela

Super Moderator
OK, I have a question that I would like at least one of you to answer!

I was stewarding at an obedience trial here in Canada last weekend, the judge was an American. I was asking him about this Health Reform you are all talking about.

He told me that at least 30 million Americans do not have any medical insurance.

So, my question is what happens to those 30 million if they get sick, and do they get the same treatment as those who pay for their insurance?

If they do, then why have private insurance?
 

Sherry1999

New member
OK, I have a question that I would like at least one of you to answer!

I was stewarding at an obedience trial here in Canada last weekend, the judge was an American. I was asking him about this Health Reform you are all talking about.

He told me that at least 30 million Americans do not have any medical insurance.

So, my question is what happens to those 30 million if they get sick, and do they get the same treatment as those who pay for their insurance?

If they do, then why have private insurance?[/quote

I am assuming that not all 30 million will be sick at the same time...
YES... I would want them to. They would get treatment now... only it would be at an er and the tax payers would be paying for it now... so would we...we are now...in outragous premiums...and YES there would still be private Insurance...I have private insurance and intend to keep it, unless I am ever in a position to keep it.
I am not of the opinion that excellent medical care for only those who can afford it....are you???? I do not think people should be allowed to suffer and die untreated... or half ass treated... regardless if they can afford it or not...
 
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lola

New member
OK, I have a question that I would like at least one of you to answer!

I was stewarding at an obedience trial here in Canada last weekend, the judge was an American. I was asking him about this Health Reform you are all talking about.

He told me that at least 30 million Americans do not have any medical insurance.

So, my question is what happens to those 30 million if they get sick, and do they get the same treatment as those who pay for their insurance?

If they do, then why have private insurance?

As far as I know, a person without insurance can go to the hospital just like anyone else, but they will get a hefty bill in the mail.. I could be wrong, but that's what i've been told..
 

Windancer

New member
Lola..It is too bad you are 'laughing' at what you call our 'freak outs'.....A lot of us here in this country are very unhappy with the bail outs...the fed printing money...and now a government run health care system.. I have a friend that is a citizen of Canada...She had such a serious heaart condition that the Dr didn't even recommend she fly up there. She finally got there, in a wheel chair half comotose, went into the emergency room where they 'stabalized' her. And promptly showed her the door. She said "Aren't you going to find out what is wrong with me?" They said..."Oh no, you are stable now, so you have to go to your GP." She said "I don't have a GP" They said to get on the list for one.....The story goes on...but we don't want that here. We have the best health care in the world....If you need an MRI you get it THAT DAY...The government health care system has to do with covering everyone....I'm not sure about the illegals....But there is NO ONE in this country now, that would not get full care and treatment if needed whether they had insurance or not....If you go to an emergency room, you will not be turned away..Even Illegals. So before you 'make fun' of our protestors, walk in our shoes...We don't want to suffer a year for a knee replacement either. I am gald you like your Canadian system. What is your tax rate?
"own a country's health care, and you own the people"
 
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Sherry1999

New member
The good news is that everyone is treated now... the bad news is that, hardly anyone can afford the bill when it is sent for the care. Then they do not pay it and it gets passed along to everyone else.... increasing preimum and etc. I have insurance and it is a struggle to pay my share... so many are going bankrupt because of healthcare, all it takes is one BIG thing and you are broke.
 

Largo

Active member
That is what it boils down to. Profit. Health care is not a right of every American citizen, but rather a privilege of fortunate American citizens. And it possibly will always remain so. Even though a hard working toilet cleaner should have the same access to breast cancer treatment as a top company executive, business model profit does not allow for it. Every excuse in the book real or imagined has been and will continue to be thrown at the case for health care reform and health care for all American citizens. Americans were damn lucky to get medicare. The ironic thing is, the very profit model that is so vehemently protected, is the very model that is going to break what is left of the back of the American economy. Health care reform is going to happen one way or the other, it is inevitable. What kind of reform? Well that remains to be seen. I hope it is one that sees every American life as worthy and more important than profit. And I hope that Americans' innovation and creativity, their get it done attitude, is not a thing of reality only because of profit. That the only thing that truly makes us a 'Great' Nation, one were we care for one another, help one another, see after one another etc., is not only because of the profits that can be had. If that is so, what a facade.
 

Largo

Active member
Those that think people in America without health insurance or with inadequate health insurance policies, still get health care in America, should spend a few years in the lives of those people before they speak on how good or adequate they have it. Should have to live under the same health care access and treatment conditions first.
 

KodysGrandma

New member
My issue again, as I posted before is that our representatives admit they HAVE NOT read the bill(s), don't think they can understand it without a lawyer if they do but will VOTE anyway. Now, I believe that this is morally, ethically wrong and disasterous for the country. Frankly I don't care WHAT the issue is, to say the bill is so GD complicated that you can't understand it and so GD long that you're not going to read it if you could means THE WHOLE DAMN SYSTEM IS OUT OF WHACK!!

Some little idiot of a staffer(s) is/are writing junk where THEY will know what they get inacted (and how that can benefit them and theirs) and the rest of us will be stuck with it. Then the hordes that have time to peruse will figure out how to make the most of it and again those of us who have to earn a living and don't have time to plow through hundreds of pages of gobbledy gook will be stuck once more.

Not so damn different from IRS- too complicated, the people enforcing can't give you the same answer from 2 different ones most times, excellent source of throwing people in jail because who knows whether or not you're violating the law. Thousands of IRS attorneys and accountants making a living off of it. STUPID! One flat tax, no exemptions. Period, end of difficulties.

There are LOTS of other ways to improve health care, they just aren't as damn obvious as handing it to the govt and will require real thought. They don't "play in Peoria" because they are not so obvious. Suggestions- bills must be written so the layman can say- Yes, I got that test, they did that procedure whatever and the purchaser gets a copy. The person who gets the health service needs to be back in the paying equation. I can't tell when I get paperwork whether or not what is being billed is accurate or not. The purchase needs "skin in the game" and the ability to recognize something out of order just for starters.
 
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