
Daniel asks…
how many lie has the RNC told about healthcare reform?
(http://www.newsweek.com/id/214254/output/print)
The Five Biggest Lies in the Health Care Debate
By Sharon Begley | NEWSWEEK
Published Aug 29, 2009
From the magazine issue dated Sep 7, 2009
To the credit of opponents of health-care reform, the lies and exaggerations they’re spreading are not made up out of whole cloth—which makes the misinformation that much more credible. Instead, because opponents demand that everyone within earshot (or e-mail range) look, say, “at page 425 of the House bill!,” the lies take on a patina of credibility. Take the claim in one chain e-mail that the government will have electronic access to everyone’s bank account, implying that the Feds will rob you blind. The 1,017-page bill passed by the House Ways and Means Committee does call for electronic fund transfers—but from insurers to doctors and other providers. There is zero provision to include patients in any such system. Five other myths that won’t die:
You’ll have no choice in what health benefits you receive.
The myth that a “health choices commissioner” will decide what benefits you get seems to have originated in a July 19 post at blog.flecksoflife.com, whose homepage features an image of Obama looking like Heath Ledger’s Joker. In fact, the House bill sets up a health-care exchange—essentially a list of private insurers and one government plan—where people who do not have health insurance through their employer or some other source (including small businesses) can shop for a plan, much as seniors shop for a drug plan under Medicare part D. The government will indeed require that participating plans not refuse people with preexisting conditions and offer at least minimum coverage, just as it does now with employer-provided insurance plans and part D. The requirements will be floors, not ceilings, however, in that the feds will have no say in how generous private insurance can beNo chemo for older Medicare patients.
The threat that Medicare will give cancer patients over 70 only end-of-life counseling and not chemotherapy—as a nurse at a hospital told a roomful of chemo patients, including the uncle of a NEWSWEEK reporter—has zero basis in fact. It’s just a vicious form of the rationing scare. The House bill does not use the word “ration.” Nor does it call for cost-effectiveness research, much less implementation—the idea that “it isn’t cost-effective to give a 90-year-old a hip replacement.”
The general claim that care will be rationed under health-care reform is less a lie and more of a non-disprovable projection (as is Howard Dean’s assertion that health-care reform will not lead to rationing, ever). What we can say is that there is de facto rationing under the current system, by both Medicare and private insurance. No plan covers everything, but coverage decisions “are now made in opaque ways by insurance companies,” says Dr. Donald Berwick of the Institute for Healthcare Improvement.
A related myth is that health-care reform will be financed through $500 billion in Medicare cuts. This refers to proposed decreases in Medicare increases. That is, spending is on track to reach $803 billion in 2019 from today’s $422 billion, and that would be dialed back. Even the $560 billion in reductions (which would be spread over 10 years and come from reducing payments to private Medicare advantage plans, reducing annual increases in payments to hospitals and other providers, and improving care so seniors are not readmitted to a hospital) is misleading: the House bill also gives Medicare $340 billion more over a decade. The money would pay docs more for office visits, eliminate copays and deductibles for preventive care, and help close the “doughnut hole” in the Medicare drug benefit, explains Medicare expert Tricia Neuman of the Kaiser Family Foundation.
Illegal immigrants will get free health insurance.
The House bill doesn’t give anyone free health care (though under a 1986 law illegals who can’t pay do get free emergency care now, courtesy of all us premium paying customers or of hospitals that have to eat the cost). Will they be eligible for subsidies to buy health insurance? The House bill says that “individuals who are not lawfully present in the United States” will not be allowed to receive subsidies.
The claim that taxpayers will wind up subsidizing health insurance for illegal immigrants has its origins in the defeat of an amendment, offered in July by Republican Rep. Dean Heller of Nevada, to require those enrolling in a public plan or seeking subsidies to purchase private insurance to have their citizenship verified. Flecksoflife.com claimed on July 19 that “HC [health care] will be provided 2 all non US citizens, illegal or otherwise.” Rep. Steve King of Iowa spread the claim in a USA Today op-ed on Aug. 20, calling the explicit prohibition on such coverage “functionally meaningless” absent mandatory citizenship checks, and it’s now gone viral. Can we say that none of the estimated 11.9 million illega

Medicare Insurance AZ staff answers:
Countless. Conservatives never wanted health care reform in the first place, like they never wanted Medicare. The definition of conservative is opposed to change, and there is apparently more money in working for insurance companies than there is in working for the public. It appears that they will do everything they can to water down the bill and then not vote for it anyway, since they can’t kill it altogether. The plan seems to be to block the public option so the insurance companies won’t have any competition and can continue to raise premiums, causing the number of uninsured to increase. If they require those people who can’t afford it now to buy from private insurance companies, as the premiums go up and coverage goes down, they can blame the Democrats, because Conservatives won’t even vote for the bill after they have ruined it. The fact that health care reform is President Obama’s top priority gives them another unreasonable reason to work to make it fail. If so many people didn’t stand to lose so much you could almost feel sorry for the party, which is disintegrating before our eyes and stubbornly goes deeper into the elitism, bitter partisanship, and obstructionist policies that got them into trouble in the first place.

Thomas asks…
McCain`s Health Plan Spread Wealth FROM Elderly/Disabled TO the rich Insurance Co.s? ?
What if your Health care plan at work only costs $700? But McCain`s $5,000 “Tax Break” goes right to the insurance co.s Mean while the poor, disabled and elderly, Who by the way paid into Medicare/Medicade all there lives with the promise that they would be covered, will have there benefits cut to the tune $1.3TRILLION over 10 years! Didn’t Bush just do this same thing for the Rx co.s with “Part D Rx coverage. My part D plan requires that I meet a $3,600 deductible(every 6 months) before it will cover my meds. The state has to pick up the differance. $3,600 Thats 1/2 of my income for 6 months. But the Rx co.s got a sweet deal, the Gov. can not have other countries bid for drugs so they charge GREATLY inflated prices that the tax payer is stuck with. This is much like McCain’s Health care plan Another huge “Gimme” for the insurance Co.s and the disabled ,poor and elderly get SCREWED! Why should he care we pay for his health care and he has $100,000,000.**
http://firstread.msnbc.msn.com/archives/2008/10/06/15

Medicare Insurance AZ staff answers:
Good points. There is a way to help RX companies with new research called grants. This would help them originate new treatments without a heavy burden left to pay and it would bring cost down for insurers as well as those who have no RX plans. The best way to pay for the lower and mid income levels is to assess their incomes and allow them to buy in to a plan that regulates costs fairly and then the state buying the leftover unpayable amount by the person who doesn’t have enough to pay the co pays. It lets state/federal funds reach further and people to get what they need. The other part is that the systems work together. They are not playing games to hold more and more wealth to gain pure investment profit for CEOs and higher management or investors only. They fulfill their actual purpose first as money managers and tragic loss funds.
Tax credits to people encourage higher price because the companies know they can now get it.
Obama will do something similar to grants and efficient working of programs with minimal taxes and will repeal bush tax cut to wealthy. McCain will be problamatic as free market healthcare with no controls is not working. What competition is there when more need exists than is being purchased due to too high of cost. Normally demand will bring high cost, but with healthcare purchases not being made to match need and price continuing to rise because it can, demand will grow and no one gets paid, so providers become less. It is a royal mess. We do not need to continue this path and McCains plans will do that.

David asks…
When disability pay is gone, does Pepsico still give me full medical coverage?
I am trying to prepare for Medicare and I am not sure I will need it. It is impossible to get a hold of a real person at Pepsico so I am posting here.
I am on disability from Pepsico and now have medical coverage that I pay for. When my disability is gone, am I allowed to keep my medical coverage with Pepsico. They send a letter saying that yes I will be covered if I do NOT take part D with Medicare. They said nothing about the health insurance. I cannot seem to get answers from anyone. I am trying to figure all of this out before I turn 65 in a few months.
Thank you

Medicare Insurance AZ staff answers:
Will you still be disabled? Can you retire disabled and get your medical coverage?
You probably won’t get full medical coverage without paying some portion of the premium….isn’t medical coverage the same as health insurance?

Robert asks…
Help with Medicare? I need advice.?
Sorry, if this is a pain. I am really confused and need help.
I am on disability and get Social Security.
My one year waiting period for Medicare is almost up. I got my Medicare Card in the mail with booklet that I have read 3 times and went online. I am more confused than ever!
I am 41.
I know I get part A and B for 115.00 month. I take a lot of medication so I want a good drug coverage for my part D but I have to be certain with my plan that all medication is covered.
Do I need Medigap? If so I could not find the price? Then I read about Medicare Advantage Plans….is this needed?
Then everyone says you need supplemental insurance. Do I? How does that work and what plan should I go with if needed?
Sorry for asking so many questions. I am just really confused here!
I talked to AARP and other companies already. The issue I have is my age being 41 and I don’t qualify for a lot of options out there. That is why I am confused with all of this. I have contacted local private agencies (like Humana). I can get it from them but due to my age and preexisting conditions, I will be paying out A LOT more due to those factors. But, if I was 65 there would be no problem.

Medicare Insurance AZ staff answers:
1. Medigap is a privately paid insurance supplemental plan to cover the 20% of costs that Medicare does not cover. It has no connection to Medicare. You have to call an insurance company to buy this type of policy and it costs about $125-150 a month. If you dont get a Medigap supplementary policy then you are responsible for that 20% of your costs that Medicare wont cover.
2. If you have Medicare Advantage which is like an HMO, that includes your Part D drug plan. If you choose Original Medicare, then you have to add a drug plan which are on the open market to purchase and you have to find out which one covers your drug.
3. Part A is automatic for almost everyone. Part B is what you will be paying your monthly premiums for. Part B covers outpatient costs.
4. Medicare Part D does not cover every medication and every year it covers fewer brand names so you might have to get a generic or similar drug.

Laura asks…
Is this really supposed to help health care?
Obamacare:
1) Individual Mandate Excise Tax
2) Employer Mandate Tax
3) Surtax on Investment Income
4) 40% Excise Tax on Comprehensive Health Insurance Plans
5) Hike in Medicare Payroll Tax
6) Medicine cabinet tax.
7) HSA Withdrawal Tax Hike
8) Flexible Spending Account Cap – aka“Special Needs Kids Tax”
9) Tax on Medical Device Manufacturers
10) Raise “Haircut” for Medical Itemized Deduction from 7.5% to 10% of AGI
11) Tax on Indoor Tanning Services
12) Elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D
13) Blue Cross/Blue Shield Tax Hike
14) Excise Tax on Charitable Hospitals
15) Tax on Innovator Drug Companies
16) Tax on Health Insurers
17) $500,000 Annual Executive Compensation Limit for Health Insurance Executives
18) Employer Reporting of Insurance on W-2
19) Corporate 1099-MISC Information Reporting
20) “Black liquor” tax hike
21) Codification of the “economic substance doctrine”
http://www.atr.org/comprehensive-list-tax-hikes-obamacare-a5758

Medicare Insurance AZ staff answers:
I’ve read the new health care laws, and I recognize about 15 of those. I’ll have to look for the others.
I’ve already done tax returns with several, and everyone in my office has read AICPA literature on several that haven’t taken affect yet.
(Your item #19 has been repealed.)
You left out a little-known tax because it’s not really a tax. Insurance companies are now mandated to pay out 85% of premiums to claims. This effectively reduces overhead to 15% and eliminates profits, which is why many carriers have gone out of the health insurance business.
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