Melvin Waldron, CGCS said: Dennis Cook said: Touching video Scott. The only problem is that this couples situation has only one solution and that is to remove the caps that insurance companies pay. They already have health insurance, she said in the video that they have been paying premiums for 20 years (which she looks about 30 - 35) so that means she has been paying premiums since she was about 10 or 15 years old. That was obviously a blatant attempt to tug at our heart strings by telling a lie. Now if this couple didn't have private insurance and was covered under obamacare, the govt would have been making their decisions for them. As Obama himself stated, "maybe a pain pill is a better way to go"! They may have not gotten the surgeries that were needed, because Kathleen Sebelius would have been the deciding factor, not the doctor. Dennis where to you get that BS about Kathleen Sebelius deciding? For most people with insurance nothing will change, except now there is no cap, kids can stay on parents plans longer, and a few other reasonable things. If one doesn't have insurance the states (If I understand correctly) will have insurance exchanges offering insurance for purchase, the patient picks out a plan they could use and need, just like the members of congress get. Also she looks like she could be 40, or maybe the 20 years is a rhetorical statement.
As far as the cap goes, its there for a reason, its there to make sure that the insurance company survives long term. If every person in the country did not have a cap and the insurance companies paid 5 million over their lifetime for every person they insure, they would go bankrupt. it doesn't take a genius to figure out that if everyone pays a lifetime premium of say, $150,000 and then gets 5 million in return, then whose getting screwed? Obviously its the insurance company. But no one thinks about that, no one thinks about their viability when congress is mandating they pay for all these things. If congress wants to mandate no caps, they can do that individually after obamacare is repealed, but they shouldn't put limits on what the premiums can be then. Insurance companies have to pay for these added cost to their business and they would do that through higher premiums. But if the libs had their way they would limit premium increases to force insurance companies to close their doors.
Maybe congress could write a law that makes people automatically eligible for medicaid if they hit their lifetime cap. Albeit, that person would then pay their existing premium to the state. Isn't medicaid a government program? So why is that ok and not the APA?
There's consequences for every decision made for all folks. Its just in this case it has a child involved so automatically everyone thinks those insurance companies are so mean because they capped their lifetime maximum. Well no one ever says, thank god for that insurance company for paying 1 million dollars for that kid to have all the heart surgeries. The reason that kid is alive is first because of the great doctors that we have in this country, but second because that mean old insurance company paid for the procedures. This couple makes it out like the ACA saved their little girl, when in fact it had nothing to do with it. The doctors and insurance company saved that little girl. But everyone will just keep demonizing those mean old insurance companies. I say thank god they are there. In this situation where do you get a consequence? Who's fault is it this little girl had a genetic condition? It wasn't like someone that didn't take care of themselves and got sick...that is an asinine comment in this situation. Maybe knowing this was a problem with this little girl, maybe the family could have aborted her and saved the insurance companies all that money, but you people on the right don't want that either. (I apologize for going in that direction, it took me away from the issue Dennis is bringing up, your right Dennis, the doctors saved that little girl and the insurance company paid for it, but before this law and the law allowing you to change insurance companies and still be covered for a disease one has, chances are the insurance company would have dropped them. Yes they helped save that girl too.
Mel
Mel,
Under Obamacare the Health and human services director has ultimate authority and decision making on individual cases. Remember those "death panels" everyone was talking about? They werent talking about them for no reason. Ultimately the left wants to go to an entirely govt controlled system and Obamacare was the first part of it. When that happens, who knows what would have happened in this case. At least with private sector insurance, it was paid for regardless of the new caps being removed. This couple was talking about future coverage for their child, because they used up a large portion of their lifetime max. It wasnt the little girls fault she had the defect, but it wasnt the insurance companies either and this couple signed up for this policy knowing it had lifetime maximums and agreed to the premiums for that particular policy and now they are complaining about it. Like i said, if someone hits their lifetime max, allow them to pay their premiums to the state and get on medicaid (regardless of income). Removing the caps on the insurance companies, is only going to force premiums up to cover those extra cost.
You say kids can stay on their policies longer, you mean adults can stay on their parents policies longer. Another thing that is forcing the premiums up so the insurance companies have a way to pay for it.
As far as consequences, im not talking about her condition, im talking about all the decisions congress makes and they dont think about the consequences after. Like removing lifetime maximums. That will only increase premiums. If a customer wants a policy with no lifetime max, Im sure the insurance company would accomodate, but your gonna pay through the nose. Also letting adults stay on their parents policies longer is another consequence which will drive premiums up. Every other law that congress had made requiring insurance companies to cover certain things, they all drive premiums up. Govt doesnt think about that, because the left thinks insurance companies are evil anyway and should just pay for it. Well someone has to pay for all these added requirements and its going to be the consumer. Every regulation costs the consumer, because business has to pass the cost onto the customer or they will close their doors. I thought all this health care talk within the govt is supposed to make it more affordable? I just named several situations where its going to make it more expensive.
This is all ginned up to make it unsustainable for insurance companies. The left wants them to shut down. Obama said it himself, he said this was just the start and that he can see within ten or fifteen years that we no longer have private insurance and we have a single payer system. Why doesnt anyone listen to what comes out of his mouth. This guy has said he wants gas prices to be on par with europe, said he wants to shut down the energy business and force people to use crap that dont work, and he said he wants single payer, universal health care. HELLO! This is the most radical president that ever stepped foot in the white house.
As far as insurance not changing for most people, WRONG. Starting in 2014, it is illegal to have the insurance that I have. I currently have an HSA with a 2400 family deductible, which my club funds the deductible in an HSA account and i pay 30% of the premiums. So basically I have a very affordable, cadillac policy. This is a policy i would love to have for my entire existence, but guess what, Obamacare gets rid of it. HSA's are no longer allowed. For the life of me, I cant figure that one out, because it works and its affordable, and its the model that most smart people in congress wanted to persuade people to purchase. But now we cant, only one more year of it and then I have to find another policy. Maybe i should make a video of my child, who is slightly autistic, and put it on the internet beggin Obama not to take away my HSA. Would that tug on everyones heart strings? That would depend, once they found out i vote conservative, the compasion for that would be gone in an instant.
Congress could have very easily wrote a law that required insurance companies to sell policies to those individuals who do not want a lifetime max (but pay extra for it), required insurance companies to not turn you away for pre existing conditions (but make you pay for it), and not allow you to be dropped (but allow higher premiums for high risk people). But thats not what they want, they want everything to be free. Well nothings free, someone has to pay for it. Oooh theres another consequence, someone gets a freebie, someone else pays for it. Yeah they do it in Europe, but look how thats going. its sucking the life right out of every economy over there