Current Events > Fun details about new GOP healthcare plan

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Antifar
07/15/17 11:31:38 AM
#1:


#1. If you go more than two months without coverage, you'll need to wait six months before insurers are required to cover your pre-existing conditions again
#2. The newest amendment allows states to create cheaper plans that don't cover all the things required under the ACA
#3. The plans under #2 do not qualify as "coverage" for #1.

http://www.latimes.com/business/hiltzik/la-fi-hiltzik-bcra-20170714-story.html

We’ve written before about the amendment crafted by Sen. Ted Cruz (R-Texas). It would effectively destroy the healthcare market nationwide.

The amendment would allow states to authorize any insurer to offer bare-bones policies as long as they also offered at least one ACA-compliant policy in that state. This opens the door to bifurcating the insurance market. Younger, healthier buyers, especially males, might sign up for cheap policies without coverage for hospitalization, substance abuse, prescriptions, maternity or preexisting conditions. That would force everyone else to buy a fully compliant plan; since such a plan would be filled with customers with potentially risky and costly conditions, its premium would soar. As it became progressively less affordable, all but the sickest buyers would leave, making it even more costly.

This is the definition of a “death spiral” that Republicans claim they want to avoid. It makes a mockery of their promise to protect people with preexisting conditions, since the cost of insurance for them would soon be stratospheric.

Buyers of cheap Cruz plans would be locked out of the insurance market if they get sick. A little-noticed aspect of the Cruz proposal is that the cheap plans it allows would not qualify as legitimate insurance coverage under the GOP’s “continuous coverage” rules.

Those rules, embodied in both the House and Senate GOP repeal bills, guarantee coverage for preexisting conditions as long as the buyer maintains insurance coverage without a break of longer than two months. Under the Senate bill, anyone with such a lapse would face a six-month waiting period for new insurance before the preexisting condition guarantee would be effective.

That means that individuals who get sick and discover that their Cruz plan won’t cover their illness wouldn’t be able to buy full coverage for at least six months. It’s a classic bait-and-switch, but you won’t hear it being bragged about by Senate Republicans. They don’t really want you to know.

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DarkChozoGhost
07/15/17 11:42:33 AM
#2:


Obamacare was worse. It has Obama in the name
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Banjo2553
07/15/17 11:42:35 AM
#3:


The fuck is wrong with my party.
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Antifar
07/15/17 11:43:59 AM
#4:


Banjo2553 posted...
The fuck is wrong with my party.

Their ideology.
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MutantJohn
07/15/17 11:44:00 AM
#5:


Best healthcare in the world but no one can afford it
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tremain07
07/15/17 11:44:48 AM
#6:


I'm going to hunt the shit out of Ted cruz if I die because of this, him, ryan and turtle man.
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ARZ_Cards4Life
07/15/17 11:50:25 AM
#7:


As someone who has multiple heart conditions, I'm so fucked.
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Manocheese
07/15/17 11:52:52 AM
#8:


What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?
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scorpion41
07/15/17 11:53:40 AM
#9:


Imagine paying cheaper prices for what you actually need instead of not being able to afford an umbrella plan and going without...
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LotrMorgoth
07/15/17 11:55:17 AM
#10:


Fundamentally, insurance as a payment method for health has never really made sense to me

the whole premise of insurance (especially for profit) is that more people pay into it without using it than people who need to use it. with the cost of healthcare what it is, one person using insurance is how many people not using it?

i don't see this being brought up in the healthcare debate at all
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nexigrams
07/15/17 11:55:24 AM
#11:


Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

maybe health inusrance is just broken and can't be fixed. maybe we should stop trying to hard to let corporations make billions off our pain and suffering.

idk
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ThePieReborn
07/15/17 11:57:09 AM
#12:


*slow clap*
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Manocheese
07/15/17 12:01:47 PM
#13:


nexigrams posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

maybe health inusrance is just broken and can't be fixed. maybe we should stop trying to hard to let corporations make billions off our pain and suffering.

idk

Nobody knew healthcare could be so complicated.
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Flermin
07/15/17 12:03:37 PM
#14:


Antifar posted...
#3. The plans under #2 do not qualify as "coverage" for #1.

holy shit what the fucking are these morons thinking?

If you're going to dismantle ACA have something BETTER in place....is that too hard to do for a Cuckservative CONTROLLED congress?

lol. literally fucking cucks.
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HydraSlayer82
07/15/17 12:03:54 PM
#15:


Still not healthcare. Just more forced insurance. Sigh.
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Antifar
07/15/17 1:21:37 PM
#16:


Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance
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MutantJohn
07/15/17 1:24:32 PM
#17:


Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance

Raging socialist
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PolishCockatiel
07/15/17 1:27:47 PM
#18:


So, uh, can we keep our current Obamacare plans or are those being dismantled?
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legendary_zell
07/15/17 1:28:57 PM
#19:


Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.
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Gojak_v3
07/15/17 1:31:56 PM
#20:


Antifar posted...
#1. If you go more than two months without coverage, you'll need to wait six months before insurers are required to cover your pre-existing conditions again


This is specifically an attempt at making up for the mandate. It will encourage people not to have a lapse in coverage thus helping do what the point of the mandate was. Have coverage.

Antifar posted...
#2. The newest amendment allows states to create cheaper plans that don't cover all the things required under the ACA


Good. Not sure why men had to buy policies with maternity leave. Not everyone needs or wants the kind of coverage under the ACA. If yer young and healthy it makes no sense. Catastrophic coverage is good enough if you see the doctor all of 2 or 3 times a year.

I know you tried to make these as out as negatives, but you failed tbh
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Antifar
07/15/17 1:33:08 PM
#21:


Gojak_v3 posted...
It will encourage people not to have a lapse in coverage thus helping do what the point of the mandate was. Have coverage.

The punishment here is "you can't get coverage for six months."
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Clad
07/15/17 1:34:08 PM
#22:


How is that different from Obamacare? You can't sign up whenever you want. You have to wait for predefined open enrollment periods unless you have some special circumstance.
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Gojak_v3
07/15/17 1:35:35 PM
#23:


Antifar posted...
Gojak_v3 posted...
It will encourage people not to have a lapse in coverage thus helping do what the point of the mandate was. Have coverage.

The punishment here is "you can't get coverage for six months."


Like I said the point was to make up for not having the mandate to keep as many people insured as possible to begin with. There was a punishment as well with the mandate, did you have a problem with that?
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itachi15243
07/15/17 1:36:10 PM
#24:


Gojak_v3 posted...
If yer young and healthy


A lot of times when you're not healthy you don't know it until it's too late.
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Antifar
07/15/17 1:36:43 PM
#25:


Gojak_v3 posted...
Like I said the point was to make up for not having the mandate to keep as many people insured as possible to begin with. There was a punishment as well with the mandate, did you have a problem with that?

The punishment wasn't "go without insurance for longer."
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#26
Post #26 was unavailable or deleted.
Clad
07/15/17 1:45:59 PM
#27:


shockthemonkey posted...
Clad posted...
How is that different from Obamacare? You can't sign up whenever you want. You have to wait for predefined open enrollment periods unless you have some special circumstance.

Surely you can see the difference between "you need to sign up during this quarter of the year instead of whenever you get sick" and "we designed this system to deliberately punish you for buying the affordable plans that we've been bragging about."


Both systems are employing the same type of time barrier to minimize how many people wait until they get sick to sign up for health insurance.

It's exactly what Obama was thinking - if people only buy it right when they get sick as opposed to buying it as insurance when they're healthy, it's not a sustainable system because the health insurance companies will run out of money and have to close their doors.
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DifferentialEquation
07/15/17 1:50:20 PM
#28:


legendary_zell posted...
Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.


http://www.telegraph.co.uk/news/0/charlie-gard-mitochondrial-disease-suffers-legal-battle/
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#29
Post #29 was unavailable or deleted.
legendary_zell
07/15/17 1:59:34 PM
#30:


DifferentialEquation posted...
legendary_zell posted...
Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.


http://www.telegraph.co.uk/news/0/charlie-gard-mitochondrial-disease-suffers-legal-battle/



This has nothing to do with death panels. This is a dispute between parents and doctors about the best treatment for a patient. This could and does happen anywhere there is such a dispute. The government isn't deciding not to pay because of financial concerns.
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DifferentialEquation
07/15/17 2:02:36 PM
#31:


legendary_zell posted...
DifferentialEquation posted...
legendary_zell posted...
Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.


http://www.telegraph.co.uk/news/0/charlie-gard-mitochondrial-disease-suffers-legal-battle/



This has nothing to do with death panels. This is a dispute between parents and doctors about the best treatment for a patient. This could and does happen anywhere there is such a dispute. The government isn't deciding not to pay because of financial concerns.


The parents are not being allowed to take their child for an experimental treatment that is being paid for by private donations.
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Ruvan22
07/15/17 4:13:22 PM
#32:


DifferentialEquation posted...
legendary_zell posted...
DifferentialEquation posted...
legendary_zell posted...
Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.


http://www.telegraph.co.uk/news/0/charlie-gard-mitochondrial-disease-suffers-legal-battle/



This has nothing to do with death panels. This is a dispute between parents and doctors about the best treatment for a patient. This could and does happen anywhere there is such a dispute. The government isn't deciding not to pay because of financial concerns.


The parents are not being allowed to take their child for an experimental treatment that is being paid for by private donations.


I'm not following - how is that related to the "death panels" people worried Obamacare would produce?
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KiwiTerraRizing
07/15/17 4:14:50 PM
#33:


America is not a country to the right, it's a business. They care only about money and nothing for the lives of its people unless its fake outrage used to go to war.
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DifferentialEquation
07/15/17 4:37:24 PM
#34:


Ruvan22 posted...
DifferentialEquation posted...
legendary_zell posted...
DifferentialEquation posted...
legendary_zell posted...
Antifar posted...
Manocheese posted...
What's the alternative? Force young, healthy people to buy expensive insurance that they don't want or need?

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.


http://www.telegraph.co.uk/news/0/charlie-gard-mitochondrial-disease-suffers-legal-battle/



This has nothing to do with death panels. This is a dispute between parents and doctors about the best treatment for a patient. This could and does happen anywhere there is such a dispute. The government isn't deciding not to pay because of financial concerns.


The parents are not being allowed to take their child for an experimental treatment that is being paid for by private donations.


I'm not following - how is that related to the "death panels" people worried Obamacare would produce?


It's not the same thing, but it's just as bad. These parents were forbidden to take their own kid back into their custody to attempt an experimental treatment with their own money (or private donations, to be more precise). This is the kind of shit that you'll get with socialized medicine.
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Ruvan22
07/15/17 5:12:31 PM
#35:


DifferentialEquation posted...
Ruvan22 posted...
DifferentialEquation posted...
legendary_zell posted...
DifferentialEquation posted...
legendary_zell posted...
Antifar posted...

Pay for healthcare with tax revenues rather than having this patchwork of private insurance



But....DEATH PANELS. I seent em in Cuba and Canada, I sware.


http://www.telegraph.co.uk/news/0/charlie-gard-mitochondrial-disease-suffers-legal-battle/



This has nothing to do with death panels. This is a dispute between parents and doctors about the best treatment for a patient. This could and does happen anywhere there is such a dispute. The government isn't deciding not to pay because of financial concerns.


The parents are not being allowed to take their child for an experimental treatment that is being paid for by private donations.


I'm not following - how is that related to the "death panels" people worried Obamacare would produce?


It's not the same thing, but it's just as bad. These parents were forbidden to take their own kid back into their custody to attempt an experimental treatment with their own money (or private donations, to be more precise). This is the kind of shit that you'll get with socialized medicine.


So if it's not the same thing, why did you post it in reply to "Death panels"?

It doesn't even seem reflective of "socialized medicine". The court is ruling that the definite pain and suffering will be much more than the slim chance of a treatment working. Whether you agree with that decision or not, there were similar court cases in the US longggggg before Obamacare.
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Axiom
07/15/17 5:14:54 PM
#36:


Can't say I'm surprised. It's not like anyone expected the healthcare plan to not be shit
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metralo
07/15/17 5:16:10 PM
#37:


mfw their health care plan literally advocates people dying and people still support the GOP
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daftpunk_mk5
07/15/17 5:17:28 PM
#38:


Those are all good things. If someone just wants a catastrophic plan and wants to pay out of pocket for routine care, they should have that option.
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luigi13579
07/15/17 5:26:53 PM
#39:


DifferentialEquation posted...
It's not the same thing, but it's just as bad. These parents were forbidden to take their own kid back into their custody to attempt an experimental treatment with their own money (or private donations, to be more precise). This is the kind of shit that you'll get with socialized medicine.

I know it's probably not a popular opinion (particularly in the US), but I think it's right that the courts have a role here. There's such a thing as being too close to a situation to be able to think rationally about what is in a person's best interests (especially if it's your own child), if they lack the capacity to make decisions for themselves (as Charlie does). It's not as simple as the evil socialists wanting to deny medical treatment just for the sake of it.

It's a horrible situation all-round, and I absolutely sympathize with the parents, but if the chance of recovery is incredibly slim (as it seems to be due to the nature of the structural brain damage), is it worth prolonging his suffering?

It's hard to say for sure given the fact that we're outsiders looking in (and probably don't have the medical knowledge that the doctors do), but it's not necessarily the evil thing that it's being made out to be. The abuse the staff at GOSH are taking is shocking tbqh, and it's not helping the situation at all.

One thing I will say, is that in the time that all of this has went on, he could potentially have been over to the US for the treatment. If he's going to die anyway, maybe it's worth one last-ditch attempt. I don't know what toll the upheaval of being flown over to the US would take on him though...

It's just a tough situation and there isn't a clear right answer, as much as people would like to think there is.
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daftpunk_mk5
07/16/17 1:57:14 PM
#40:


Also you have to have some kind of penalty for not getting coverage for preexisting conditions when your insurance lapses, like thr 6 month wait (should be harsher imo). Otherwise, people would go without insurance until they get sick. Which, as you should recognize, goes against the very foundation of a functional insurance system.
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