rbass
Texas
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Joined: 01/02/2003
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Show me in the Constitution where it says I have the right to free (laughing real hard at free) medical care? Or for that matter show me in the Constitution anywhere that says I have a right to medical care provided by the government.
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buddyIam
Erie Trip from Hobohemia - Big Rock Candy Mountain
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Joined: 10/25/2002
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L.D. says
'CA does have a mandatory insurance acceptance plan but it is very costly, has a lot of exclusions and is designed to minimize insurance industry losses.'
Buddy says:
BALONEY! You know that we are talking about medigap policies. And you purposely report on regular private insurance policies.
Do you honestly believe that an insurance company, would on their own free will accept me. (Or any 100% disabled person on SSDI). Knowing that in less than 3 weeks they will be paying out over $50,000 in bills. And they would do this before they received my first premium payment of $60.
I have no idea what you are getting out of this spin. But it certainly isn't good information. Or are you purposely asking the wrong questions?
THE ONLY DISQUALIFICATION FOR MY HMO, IS END STAGE RENAL DISEASE.
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buddyIam
Erie Trip from Hobohemia - Big Rock Candy Mountain
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Joined: 10/25/2002
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KIDD
My HMO plan is considerably better than both plans . But that is because California requires HMO's to cover SSDI recipients. If you have read L.D.'s post you will know that many states don't require this until after age 65. (each state has it's own insurance commission).
The Democrat plan is guarantied to be as good or better than most private insurance plans. And should result in much better coverage for me in my HMO.
The Republican plan offers no guaranties. And because it offers a monopoly to private industry. I would not expect any cost saving to my plan.
Here is a summery of the two:
About the Plans
The Democratic Plan
The Democratic prescription drug plan would add a new Part D in Medicare that provides voluntary prescription drug coverage for all Medicare beneficiaries beginning in 2005. Because the plan would be part of the Medicare program, the benefits would be guaranteed. The basic benefit would have a $25 monthly premium, with a deductible of $100 per year. After the first $100 in expenditures, beneficiaries would be responsible for 20% of drug costs, with Medicare covering the remaining 80% of costs. All costs would be covered after a beneficiary spent $2,000 out-of-pocket.
The Republican Plan
The Republican bill does not guarantee any specific benefit. Instead, the Republican bill provides subsidies to insurance companies to provide private insurance to seniors. Individual insurers may design the coverage and set the premium. The assistance shown in the tables would only be available to beneficiaries who can find a private plan that offers the benefit described in the Republican bill. This benefit is described as follows: the benefit would have a $33 monthly premium, with a deductible of $250 per year. Beneficiaries would pay for all of the first $250 worth of drugs used, then pay 20% of the cost of between $251 and $1,000, and 50% of the costs of drugs from $1,001 to $2,000. After $2,000 worth of drugs are used by seniors, the plan would provide no further cost sharing until the beneficiary spent $3,700 out-of-pocket. All costs would be covered after a beneficiary spent $3,700 out-of-pocket. However, any amounts reimbursed by a third-party payer would not count toward meeting this catastrophic limit.
Information for Low-Income Seniors
Under the Democratic proposal, seniors with incomes below 150% of the poverty level will pay no premium. Seniors with incomes between 150% and 175% of the poverty level will receive a sliding scale premium subsidy. Both groups will pay nominal or no cost-sharing. Under the Republican proposal, seniors with assets of more than $4,000 will receive no additional assistance. Seniors with incomes below 150% of the poverty level and assets of less than $4,000 will pay no premium. Seniors with incomes between 150% and 175% of the poverty level and assets of less than $4,000 receive a sliding scale premium subsidy. In both cases seniors pay a flat fee of $2.00 or $5.00 per prescription. But once these seniors use over $2,000 worth of drugs the Republican plan offers no assistance in paying for the cost of drugs until they have spent $3,700 out-of pocket. This $3,700 must be paid by the individual, and any assistance from an employer-sponsored plan or other plan, or assistance from any charity, does not count toward the limit.
Prescription drug plan savings calculator:
http://www.house.gov/reform/min/drug_plan/
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rbass
Texas
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Joined: 01/02/2003
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Let's get to the real issue here. It's not Government it's lawyers. Dallas just lost one of it's few trauma surgeons because he couldn't afford the insurance (nearly 1 million a year). Stop the BS law suits and the price drops dramatically.
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rbass
Texas
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Joined: 01/02/2003
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Buddy
"Imagine the world that you dream of. A world with more body collectors than trash collectors. But I suppose in you immoral minds they are the same job.
Your thinking disgusts me and, And if by chance the devil should get his way and your dreams should come true. May all the poor, die at your doorstep."
WOW have you found religion, I thought it might be banned in your world. Exactly what is your definition of IMMORAL? Someone who believes providing something for everyone is wrong because it holds them down, is that immoral? I.E. welfare, why work to better yourself if you can live off of someone elses hard work. Health care, why work to better yourself and to get better insurance if it's given to you. I was wrong about you Buddy your not a democrat your a Socialist.
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rbass
Texas
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Joined: 01/02/2003
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I have spent many days at the VA and have never received decent care. The GI docs (all civilians) are pushed to process through as many cases in 1/2 a day as possible. You see they contract out their Gastrointerology dept. the docs are there one day a week and only have 1/2 to process everyone through for that week. Just like herding cattle, next please. So Buddy what's your disablity rating?
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L.D.
Greenwood, Louisiana
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Joined: 01/28/2002
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Buddy,
Are you the same person that was once in trouble for controversial postings that leaned toward agitation?
You were talking HMO and guarenteed acceptance. HMO is private and not government funded. Medigap is funded from I do not know where but it was YOU that said that the HMO had to accept an applicant.
Others here have said you are only baiting me and drawing me into this fray. I do not know what you are doing but you are not playing with the same rules. Read your own postings. All I did was contact CA about their insurance laws. I do it with other states frequently. You said a HMO has to accept you. CA says they do not. They are not forcing a company into potential bankruptcy by having mandantory accpetance.
If I find a state that has a really good program for high risk insurance, I will move there. TX is right now on the top of my list to try and I will set up dual residence if need be to take advantage of this. CA was getting there based on your postings. Yet the Insurance Commission advised me that you were in grave error.
I admit to not knowing about medigap or at least not understanding it fully. I think you should admit to not knowing the basis for some of the statements you make.
As for my responses to you, I am going to be civil and do as has been suggested. I am not going to respond to your postings on this matter since you flip flop, post things that are only half truths and then claim this about my postings.
The form of your postings and the lack of passion in them causes me to even wonder if health care concerns you now.
have a nice day and I wish you well in whatever life holds for you.
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rbass
Texas
Senior Member
Joined: 01/02/2003
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Police Officers and Fire Departments are protection issues. The primary job of the government is to protect it's citizens, thus items which are used for protection are seperate from all others. Go back in time 100 years and tell me who paid for schools? Public libraries were almost unheard of? Where does it say in the Constitution you have the right to have books supplied to you by the Government? As for flood controls, if you setup flood control to protect a city you can cause worse flooding both up and downstream.
Why is it people think they have a right to have everything handed to them instead of having to work for it?
How did people get an education without federal taxes being used.
Why is it people used to be able to afford to go to a doctor without insurance?
How did people every read books without libraries?
How did people ever survive snow storms without help from the governent?
Last item but by no means the least. Police, Fire, Snow removal, sewer, schools and libraries are all LOCAL issues from local taxes. Why does the Federal Government need to be involved?
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rbass
Texas
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Joined: 01/02/2003
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Crawdad, open your eyes. Although the military has done a great job of preparing it's Soldiers, Sailors, Marines and Airmen for their primary job of combat does not mean they are not broken. Do you realize the end of each fiscal year each unit wastes a large amount of money. You see if they don't spend it they will lose it the next year. So if one year they don't need as much they have to waste it on things they don't need so next year if they do need it they will have it. Do you realize our weapons systems are made by the lowest bidder. They are constantly fighting other branches for money. etc...
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rbass
Texas
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Joined: 01/02/2003
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Buddy, once again from where do you get your information. I'd like to do a little research on it.
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