Posted on 05/07/2017 1:33:44 PM PDT by taildragger
How about an overview on how the Seniors are going be the pot of gold that will pay for this plan or am I wrong here?
Define Seniors, those still in the work force under group plans or self employed purchasing insurance or Retired on Medicare which gets the $700 billion back Obama stole?
Retired with SS and still under the Company health plan.
What is a Senior in your view?
They way I see it and easy to see and has been, no affect.
Basically your insurance coverage ends every year.
Under Obamacare your plan may not be offered the following year and or your insurance carrier may not be offering any plans in your area the following year.
So, when your existing coverage ends (as it does every year), a new plan and/or company may be compelled to take you on board regardless of pre-existing conditions, but they may charge much higher premiums.
This is as it was before Obamacare as well. Insurance companies changed their plan offerings from year to year ... and sometimes left a market altogether, leaving people (or their employer) to find a new carrier with similar plans and similar prices. Sometimes the changes were small but other times they were profoundly different in coverage and/or price.
I did not see this addressed in the article.
posted link not working.
maybe cached link will work for a while:
The article seems to imply that preexisting conditions are due to careless behavior. In many cases, preexisting conditions are just a bad genetic draw and the victim could have done nothing to prevent it. How many people are going to be shuffled off into these high-risk insurance pools with unaffordable premiums so that a bunch of people can save a few bucks a month on their medical insurance? Preexisting conditions coverage was about the only good thing of Obamacare. Don’t throw the baby out with the bathwater.
Yes, I got some message that makes me think it is being read / re-posted so much they don’t have the bandwidth for all the demand at the moment...
Is this a seperate retiree group plan or is it identical to current employees? My guess is your Group Plan will start to see the freemarket reforms that will potentially lower the rate of cost increases for starters. Do they offer more plans that do not have all the obamacare "Qualified Plan" bells and whistles? Perhaps, depending on when the bill passes, your enrollment period, and how soon new policy types can be drafted by the insurers. Team Trump is also noting lower cost, does that mean your policy prices go down? One can hope, again, we are reverting back if you will to policies not much different than before Obama screwed them up. I don't have an answer to the expansion of Direct Primary Care to other than group plans as a tax free event with HSA dollars, that is a must IMHO. I have a message out to someone who might know I'll try to update you when I find out...
What services did taking away Medicare dollars do to seniors and what will putting dollars back do pursuant to law?
I have heard others talk about this, (Congressman) and I get the impression you'd pay your normal policy cost they can't deny that, but above and beyond Pre-Existing is where the High Risk Pool kicks in. I don't know what the $ cut off levels are, but their are large numbers being floated to help those effected pay or in some cases maybe help for all of it. A lot of moving parts of this, I am waiting for a really good synopsis and or wonk like Betsy McCaughey really get into how this works, especially the roll over to the State Level.
At some point, my guess is the states compare their ideas and pretty much mimic best practices other than what might fit their states more specific needs.
I don't know the services specifically, but many have pontificated that Ezekiel Emanuell's whole life systems was being implemented and Seniors were effected and not in a good way. 700 billion is a lot services, to be "nudging" the system not to spend on real people.
Medicare kicks in at 65, so there aren’t many “seniors” to pay anything but the Medicare costs, which, by the way are rising every year.
However, there is no such thing as a free lunch.People over 65 use the healthcare system more than any other group, so they will have to pay more as their costs mount. A healthy 25 year old should pay cheap premiums because they don’t have many visits to the doctor every year. Hopefully, younger people today will not smoke, become obese, or have other unhealthy habits that now plague our older generation.
A lot of ado about nothing at this point in time. The Senate still has to come out with their version and then on to the conference committee. I suspect more changes before there is a final bill.
If you have an IM plan already, you're all set.
If you have a group plan, you're all set.
If you have Medicaid or Medicare, you're all set.
If you have a hangnail, psoriasis, shingles or are overweight, you're probably all set.
If you haven't had insurance, or never had insurance, can't join a group and have a terminal or very expensive condition like hemophilia, cancer, AIDs, are a brittle diabetic, and finally decided to apply for insurance....you're probably going into a high risk pool.
How many people are going to be shuffled off into these high-risk insurance pools
Probably about 1% of the those in the total individual market.
with unaffordable premiums
So who told you they would be unaffordable premiums....and why shouldn't you pay more....it's not insurance, and you're going to be making $100,000 plus claims every year. To qualify for health insurance, you have to have good health to insure in the first place.
so that a bunch of people can save a few bucks a month on their medical insurance?
That "bunch of people"... hundreds of millions, most of the market (healthy insurable people) may well see their premiums cut by 50 to 70%.
Preexisting conditions coverage was about the only good thing of Obamacare.
Covering preexisting conditions is no longer insurance. Insurance covers unknown future risk.
(Hello, I just wrecked my car and my house is on fire...I'd like you to insure them)
“Yes, I got some message that makes me think it is being read / re-posted so much they don’t have the bandwidth for all the demand at the moment...”
that’s what it looked like to me, too.
Points well made. I am waiting for the liberals to demand that they can sign up for auto insurance after they wreck their car.
It will happen.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.