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Breaking NewsHow lawmakers may tackle rising health care costshttp://www.thesunchronicle.com/articles/2011/01/09/business/8632525.txt Obamacare Packs Crushing New Taxeshttp://www.newsmax.com/GroverNorquist/obamacare-taxes/2011/01/14/id/382849 ObamaCare Rationing Beginshttp://www.investors.com/NewsAndAnalysis/Article.aspx?id=557595&p=25 painful health-care lessons from Massachusettshttp://money.cnn.com/2010/06/15/news/economy/massachusetts_healthcare_reform.fortune/index.htm Federal Government Shells Out $1 Billion to 250,000 Dead Peoplehttp://www.mygovcost.org/federal-government-shells-out-1-billion-to-250000-dead-people/NJ Gov. Chris Christie to cut 1,200 public sector jobsSubprime mortgage crisis possibility identified as early as 2001fannie mae freddy mac and the federal government Health Care Reform creates startling number of new government departmentsmassive increase in number of government departmentsThe failure of a nanny state? The UK to cut up to 500,000 public sector jobshttp://www.bbc.co.uk/news/uk-politics-11579979Obamacare is even worse than critics thoughtAxe falls on British "Free Health Care" http://www.telegraph.co.uk/health/7908742/Axe-falls-on-NHS-services.html U.S. Healthcare Costs Projected to Continue to Climb http://articles.latimes.com/2010/sep/09/nation/la-na-health-costs-20100909 US breast cancer drug decision 'marks start of death panels'http://www.telegraph.co.uk/health/healthnews/7948878/US-breast-cancer-drug-decision-marks-start-of-death-panels.html
In America medical costs are perceived as being high, and for some reason it is thought that Canadians and Europeans live in some kind of Utopia where healthcare is “free” and of incredibly high quality. Also, for their own political gains some politicians in America have exaggerated the number of people under 65 years of age who don’t have health insurance. Approximately 170 million Americans under 65 have health insurance and the majority of them are satisfied with it. Nobody actually knows how many uninsured people there are in America, one thing we do know is, the figure isn’t 47 million. The figure includes about 9 million people who have not claimed that they are already on Government plans like Medicaid: This leaves about 27 million; some of whom can afford insurance but won’t buy it, for example; temporary workers, some people working in small companies, and many self employed. This probably leaves about 21 million genuinely uninsured. Why is it so important to insure them right now? Because some politicians who want Socialized Medicine think that now is their best opportunity to rush it through Congress, also it distracts the public from the soaring unemployment rate. What is Socialized Medicine? A system where the doctors and hospitals are employed by the Government, and healthcare is controlled by bureaucrats. WILL MEDICARE BE EFFECTED? Click Here The law cuts Medicare by $533 billion. WHAT IS DRIVING UP HEALTH CARE COSTS? Click Here We’ve all been told that the new healthcare reform law was supposed to lower insurance premiums by 14 percent to 20 percent—thereby making health insurance more affordable for everyone. The general consensus is that the new law virtually guarantees that health insurance premiums will rise even more—instead of becoming more affordable. But the Congressional Budget Office itself stated that insurance premiums for people buying their own coverage would go up by an average of 10 percent to 13 percent. WHAT IS HEALTH CARE LIKE OVERSEAS? Click Here The strategy of the administration is to allow premiums to rise then keep blaming the insurance companies, until they can justify forcing us into a single payer socialized system, even though this type of healthcare has failed in every country that has tried it. WHEN WILL THE NEW LAWS TAKE EFFECT? Click Here Americans are sharply divided on the new healthcare law, but one thing is for certain: Many provisions in the healthcare law carry with them serious consequences. And we won’t know their full effect until the provisions start in the year 2014. DO WE HAVE TO BUY HEALTH INSURANCE? Click Here The answer is no for 2010, but yes, for 2014. |
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Over 65?- Click Here |
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Guaranteed Insurability Many people tell me that in California sick people are uninsurable. This is incorrect. When I point out the three programs listed below, they say: “but those are expensive, we need healthcare reform”. Well guess what? Under the healthcare reform plans being considered, premiums will rise. Why? Because the premiums paid for COBRA and HIPPA are essentially the same as those paid by large Corporations who employ people with health issues. These plans reflect the true cost of health care. Premiums are not going down. If existing health care reform plans are enacted, premiums will go up for those people now on underwritten plans. What about all the uninsured healthy young people? Won’t they bring the premiums down when they buy insurance? Not if Nancy Pelosi has her way. She is already negotiating alternative low cost minimum coverage plans just like we already have for the people under 30 years of age! The under 30’s will NOT be forced into the risk pool with the older people. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as; voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium. The Health Insurance Portability and Accountability Act (HIPPA) was enacted by the U.S. Congress in 1996. According to the Centers for Medicare and Medicaid Services; HIPPA protects health insurance coverage for workers and their families when they change or lose their jobs. The California Major Risk Medical Insurance Program (MRMIP) is a program designed to provide health insurance for individuals who cannot obtain health coverage on the open market because of their medical conditions. Those who qualify for the program will pay premiums and MRMIP will supplement those premiums to cover the cost of the program. Other plans that are available: Healthy Families is low cost health, dental, and vision insurance. It is for children in low-wage families. |
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