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cherylm

Health Care Reform

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Hi, Gang...

The following posts turned up as a distinctly "off-topic" branch of one of the Introduction threads. I think this is a timely and important topic for us, so I'm moving the discussion to its own thread.

Whatever your viewpoints, please try to hold to verified facts and to keep the debate civil: we're a "family" here, and I'd hate to see a controversial topic create bad feelings.........

And now, some quotes from:

MOAMPUTEE:

...Maybe soon those of us in the US will have a national health system. I'm lucky to have insurance now - I was laid off from Enterprise Rent a Car after 12 years and here in the US you lose your job you lose your insurance. I am working again, I took a job with the gov't because they do not count your medical condition against you.

Nice to meet you all.

MMARIE:

I'm wondering....do we want a national health care system? I just want something everyone can afford. I don't know what the answer is...dammit!

--------------------

Marcia

eag:

QUOTE (mmarie @ Oct 6 2009, 04:46 AM) *

I'm wondering....do we want a national health care system? I just want something everyone can afford. I don't know what the answer is...dammit!

Maria,

In my opinion we need an update in health care....not a national health care system. I do not want the govt. telling me what my doctor will OK. Definately going to cut alot out of medicare {not good} in fact it is going to be real hard for the senior citizens. I do not think we should pay for illegals! If they want to come to america & pay taxes like the rest of us then that's fine. I want those laid off to be able to keep their insurance coverage {if wanted}

I want them to let me alone.

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Thanks Cherylm...you {JUST} knew sooner or later we would get around to this National Health Topic. :ph34r:

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I agree, this topic could be a hot one if we're not careful. I'm lucky to have a good job with good insurance, but I'm just like everyone else, costs on everything keep raising. I also do not want the government in my business when it comes to what I need or who I see or when I can see them. But, I also know there are many people who because of the types of jobs they have, aren't offered insurance and have to purchase it privately which is outrageously priced. Right now, I honestly don't know what the answer is. It probably depends on where each one of us is in our own personal life as to where we stand on the subject.

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Unfortunately our health care system didn't get horrible overnight, and so there is no easy fix.

There are so many things that are wrong, and so many that are right.

I don't believe the government should be the one who says what is the best for all individuals unless they themselves participate. Not a well it's good for the people, but I still get to have my own private insurance.

I think the biggest step would be to hold everyone accountable: doctors, lawyers, insurance companies, and the people themselves.

The more we try to get something for nothing or abuse what is needed by others, the quicker we will have nothing that anyone can afford.

Stop the stupid lawsuits, get the pharmacuticals out of the doctor's pocket, and let's get the job done like Americans can do.

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I'm self-employed and pay for my own individual plan with BCBS. I'd rather pay that than have someone tell me what will be done. I have choices this way. I also have coverage through the Indian Health System. It is gov't operated and doesn't cover prosthetics at all. They refer amputee patients to the Department of Rehabilatative Services. More red tape.

I think it is necessary to have a choice, maybe gov't run, for those who are unemployed or can't get insurance through other methods. I do agree with Erik that this mess didn't happen overnight.

I think the Brits and other non-Americans can chime in here to let us know how they feel about the care they get through their national health plans. We had a member from Britatin, I don't remember her name and I don't think she posts anymore, who had to wait 8-9 months for a revision surgery after the approval for said surgery. That is not acceptable. That in itself can break a person who needs income.

That's my rant this morning.

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hi i am lbk i have been waiting for revision surgery from the 1 may after approval and still waiting on the nhs

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Now, if I'm wrong on what I'm hearing, don't anybody go chewing on me, please. With the farm, harvest, Jon and a new job, I haven't had a whole lot of time devoted to this or any other news for that matter.. but.........one of the days that I was actually able to listen to one of the news channels, my understanding was, that as far as the health plan goes in the US, if you have it, you keep that plan, you would get a bonus deduction/credit (and quite substantial) on your tax returns, for having your insurance. The purpose of that is so that people can't/won't mass exodus off their insurance plans to go onto a goverment plan. It would help those who don't have any at all..I'm not saying I am for it, or against it, just what I was understanding..I know people on both sides of the fence, those that have and those that have nothing...It would also help in regulating big insurance companies from cost increases, and doctors from charging so much that it gets outrageous.. Where I live, it's cheaper to see a specialist, than to see a general practioner.

Now, more food for thought,, there is a state or two, here in the US that it is mandatory that every one living in the state have health coverage.. I'm thinking it is Maryland or Maine, but not sure which one for sure.

I, like others, do have health insurance, but I can tell you, that they have changed a lot of things as far as coverage and premiums, and non of it is getting better.... something has to be done..one way or another.

Myself, I think fear of the unknown, is hardest on anyone.. It's gathering all the facts and understanding them first that really helps us the best.

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I agree with you, Tammie...fear of the unknown. I have been extremely blessed with good insurance coverage. Sadly, only when I became ill several years ago, did I begin to become concerned as to what would happen to people without insurance in a situation such as mine. Shame on me. I guess I just didn't think about before. I don't know what the answer is. I'm even a little worried as to what will happen when I become eligible for Medicare (next month) because I'm so happy with my present insurance coverage. I pay dearly for it but it's there when I need it. I want to tell the government thanks, but no thanks, I don't want Medicare. I want things to stay just as they are. Fear of the unknown.

What I know for sure - everyone should have the care they need. I have no idea as to how that should be accomplished.

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I am not trying to stir the pot here, but....

Should someone that is not paying any taxes (unemployed, illegal or whatever) get the same type of insurance that those that do?

I understand and support that everyone should have some form of medical coverage, but if you don't earn it then do you really care about it until you need it?

I am very fortunate to have coverage, I understand that, but I also pay for it and know how important it is to have, even prior to the accident.

Tammie:

I didn't even hear about that policy they were trying to impose. Makes sense. Now what are they going to do to fix the outrageous costs so I don't decide to say forget about paying for it since I can't afford anything it doesn't cover (like a new leg).

I hope this will keep going and discussions are the way things get worked out to a solution that everyone would like.

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I'm even a little worried as to what will happen when I become eligible for Medicare (next month) because I'm so happy with my present insurance coverage. I pay dearly for it but it's there when I need it. I want to tell the government thanks, but no thanks, I don't want Medicare. I want things to stay just as they are. Fear of the unknown.

What I know for sure - everyone should have the care they need. I have no idea as to how that should be accomplished.

Marcia:

Don't worry about Medicare. It's great coverage. Try to get your Plan-65 coverage with the same insurer you now have and you should be happy as a clam.

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Thanks for the advice, Neal. I have BCBS so maybe everything will be fine.

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I didn't even hear about that policy they were trying to impose. Makes sense. Now what are they going to do to fix the outrageous costs so I don't decide to say forget about paying for it since I can't afford anything it doesn't cover (like a new leg).

I hope this will keep going and discussions are the way things get worked out to a solution that everyone would like.

Eric,

I was watching the president one day/evening... he was explaining it.With all going on, I can't remember just quite when it was.We have satellite so it might of been CSPAN or one of the channels that has a lot of coverage from D.C. running at all hours. It is all part of the overhaul that they are talking about with this national health plan. It was supposed to do just what you were talking about. In the aspect of if you already pay for it, you would be given a credit or deduction I can't remember the exact word that he used that day.When he was talking about this and it included all things... including the pricing from providers and what insurance companies do and don't pay for. That's one of the reasons that every amputee should get involved in getting the Parity Law passed, federal and state.. Those laws help.. If someone happens to live in one of the states that have already passed a Parity law, then I hope they are compassionate enough to help on the federal level so they can help someone who is living in a state that doesn't have it.. Also, be aware. If you have a parity law in your state, and your insurace would change/move to a provider that is in another state, you could be bound by that state's laws. If they don't have a parity law then you would have to settle for their coverage. That's the way that Morgan Sheets explained it to me, and in an interview she done on radio in Florida, I believe. We're all in this mess together, and we need to look out for each other.

I too, have coverage, but as I stated, it's changed a couple of times in the last ten years, and I don't want to loose any more coverage if I can help it.

You are also right Eric, these discussions are important... and it doesn't have to come down to a screaming match between people. We just need to talk to be effective.

Back to the parity law for a moment .. I went to a democratic "fall festival"in our county just to talk to a Senator from our district... he had no idea what the parity law really was, and it had been through the senate house for a vote once already! His wife told me they have a friend/relative that is an amputee, so now, it instantly became more personal to them.It was a more casual atmosphere, and he was willing to listen. I found that it is the best way to talk with them in my state... democratic or republican.. They are out surfing for votes, so they will give me a bit of their time willingly.. They don't ask which way I vote, it's a good way to get their ear. Gets interesting if I am in the Capitol building and see both sides though, sometimes. :wacko:

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Wow Tammie, you are so informed compared to me. :biggrin:

So the next thing I want to go for is an insurance company that is based in a parity state, so I can get my gear. :tongue:

Is there some kind of posting of political meetings that representetives are at so the general public can go listen and speak?

What I am finding here in NE Florida is a hard enough time to get the proper construction of roads let alone people listening to parity conversations.

But I still want to get a voice out there so change can happen.

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So the next thing I want to go for is an insurance company that is based in a parity state, so I can get my gear. :tongue:

Is there some kind of posting of political meetings that representetives are at so the general public can go listen and speak?

But I still want to get a voice out there so change can happen.

:blush: Not really..... I just have been paying attention to the parity stuff. Morgan Sheets did a radio interview in Florida last month, I think, and really explained things a lot better.

You need to find out who your Senators and Representatives are, if there is a parity law passed, not, or in the works in your state, and go from there. Morgan Sheets, from the Amputee Coalition of American can help you there a lot. Also, if you got to their website, and then just start following the advocacy tab, it will give you more information and resource tools to use. It will also give you the contact information that you need plus how to get involved.

Getting your insurance in a state that has parity isn't the easy answer. If your state had it, and your carrier was from there, and then changed to a carrier in a state that had no parity law, that is where you would be. Sounds confusing, I know.

The biggest thing here is, you have to look out for yourself, having all the facts,and in doing that, it helps others as well. You have a voice to heard, but if you don't try speaking, no one will hear you..

One thing I have found, is the politians will at least hear you, especially if you are a voter in their district..

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The USA has the best health care of any other country. It's not the health care that is the problem, it's the availability of affordable health care insurance. National health care is certainly not the answer to the problem. It will lead to health care rationing and will destroy the Medicare system. Fix what is bad in the system and leave the rest of it alone. You don't knock down and rebuild you home just because you want to rebuild your kitchen.

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I agree, you don't bull doze your house to fix one room..however... what they are talking about is not supposed to effect Medicare, that is the point of the President's plan to keep all of what you just said from happening. To have safe guards in place, and to keep the healthcare providers/hospitals, etc from the exhorbitant rates and costs. Change has to start some where, some how..We have to have some kind of reform to keep big brother from putting all of the healthcare money in their pocket... to provide prosthetics to those who can't work and don't have insurance, and can't afford them. So the question now would be, where/how should this start?

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I agree, you don't bull doze your house to fix one room..however... what they are talking about is not supposed to effect Medicare, that is the point of the President's plan to keep all of what you just said from happening. To have safe guards in place, and to keep the healthcare providers/hospitals, etc from the exhorbitant rates and costs. Change has to start some where, some how..We have to have some kind of reform to keep big brother from putting all of the healthcare money in their pocket... to provide prosthetics to those who can't work and don't have insurance, and can't afford them. So the question now would be, where/how should this start?

Sure something needs to be done. The U.S. government becoming an insurance company is not the answer at all. When my accident happened over a year ago I had no insurance. I was on my way to sign papers for my new job to have insurance stating that day. I was 5 minutes away. Almost!

We already have Medicaid and Medicare and Social Security. I have been trying since the day of the accident 09-06-2008 to get an of them.

They make it so hard to get help. We need to start there and reform those programs so that people who need them can get them right a way. We lost our home while my wife worked as an LPN and trying to give me almost around the clock care as I was in a hospital bed in our living room. Seems people who do not really need the programs can get them without problems. Seems to be based more on financial and racial status not medical need. That is a big problem.

Next up is the cost that has been so inflated because of law suites and insurance companies. But we need to first start with Medicaid and Medicare and Social Security. That would also help cut cost because the number of people who need medical care who are not covered would be. Therefore we are not paying for them overflow. I just don;t understand why to many this seems like such a hard thing to figure out. Some of these problems are simple to fix. How about this one. What to stimulate the economy? Great! Instead of giving banks who are just going to pocket the money give $50,000.00 to all American citizens. There you have it. Things would be back on track with in a week. !!!!!!Corey for President 2012!!!!!!! LOL

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What a mess!! :wacko::blink::wacko:

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I'm going to take exception to one of amptrooper's claims, here. I agree with quite a bit of what everyone has said here...we do have an excellent reputation for developments in health care practices and procedures in this country, and it also is troubling that so many of us can't avail ourselves of these advances due to cost and interference from insurance companies. I also think that medicare and medicaid could be expanded to provide assistance to more folks. I even agree with amptrooper that "financial need" as currently defined may not be the best way to allocate access to those programs. It's too easy for someone who does not meet the "financial need" standard as currently written to be financially devastated by the costs of a medical crisis. But "racial status??" No. I don't think so. Only so far as one's "racial status" might impact one's financial need, which is something I really hope we're starting to see the end of.

I spent eight years of my working life doing hospital insurance billings and medical clinic utilization review. It was a very frustrating job, and I burned out at it. It was downright depressing watching various private insurance companies do all they could to deny assistance ("coverage") to folks who were in dire straights. It was heartbreaking to see people come in thinking they had "excellent coverage" while knowing that their particular insurance carrier was notorious for disallowing claims...or that the carrier "covered" a wide variety of charges, but at such a low level that the patient would still be hit with major costs. And all of this went on over 30 years ago...and it's only gotten worse with time.

I have what is considered very good insurance coverage through my employer...but my carrier still has limits for "pre-existing conditions," and whenever a patient presents with something "outside the norm," it can create major delays while the question of "coverage" is debated. I learned that one myself when one of my sockets became unusable before the end of what my carrier considered its "average life span." It took months and months of me limping about on an extremely ill-fitting socket, with multiple visits to be measured to "make sure I had really lost that much muscle" before a new socket was finally authorized. In other words, they came pretty close to stalling long enough that my socket remained in use for its "average life span," my mobility be damned. That's the sort of insurance company "practice" that we need to be looking at eliminating.

I don't know what the answer is. I just know that we need REAL coverage for ALL Americans. How do we get there? Probably not all in one great leap...but we need to take some steps.

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I'm going to take exception to one of amptrooper's claims, here. I agree with quite a bit of what everyone has said here...we do have an excellent reputation for developments in health care practices and procedures in this country, and it also is troubling that so many of us can't avail ourselves of these advances due to cost and interference from insurance companies. I also think that medicare and medicaid could be expanded to provide assistance to more folks. I even agree with amptrooper that "financial need" as currently defined may not be the best way to allocate access to those programs. It's too easy for someone who does not meet the "financial need" standard as currently written to be financially devastated by the costs of a medical crisis. But "racial status??" No. I don't think so. Only so far as one's "racial status" might impact one's financial need, which is something I really hope we're starting to see the end of.

I spent eight years of my working life doing hospital insurance billings and medical clinic utilization review. It was a very frustrating job, and I burned out at it. It was downright depressing watching various private insurance companies do all they could to deny assistance ("coverage") to folks who were in dire straights. It was heartbreaking to see people come in thinking they had "excellent coverage" while knowing that their particular insurance carrier was notorious for disallowing claims...or that the carrier "covered" a wide variety of charges, but at such a low level that the patient would still be hit with major costs. And all of this went on over 30 years ago...and it's only gotten worse with time.

I have what is considered very good insurance coverage through my employer...but my carrier still has limits for "pre-existing conditions," and whenever a patient presents with something "outside the norm," it can create major delays while the question of "coverage" is debated. I learned that one myself when one of my sockets became unusable before the end of what my carrier considered its "average life span." It took months and months of me limping about on an extremely ill-fitting socket, with multiple visits to be measured to "make sure I had really lost that much muscle" before a new socket was finally authorized. In other words, they came pretty close to stalling long enough that my socket remained in use for its "average life span," my mobility be damned. That's the sort of insurance company "practice" that we need to be looking at eliminating.

I don't know what the answer is. I just know that we need REAL coverage for ALL Americans. How do we get there? Probably not all in one great leap...but we need to take some steps.

What is really sad and your right we should be way past this, is that I have a relative who works for Medicaid and they have Federal mandates to have a minimum number of "minority's" that they are to have per fiscal year. The more the better. So, she said they will flat out turn down others so that they can get their numbers in. It is not fair for the minority groups or anyone else for that matter. It should not be about that at all. If you need help then you need help. It is so sad. I have hated watching this happen to my family. Am I for Obama health care reform? No way. That is called government takeover not reform. If insurance was what it is suppose to be and affordable their would be less uninsured allowing Medicaid and SSI to reform themselves and get people the help they need. There are so many people just in my area who are collecting Social Security Disability who are out working on their car or playing B ball in the drive way. Yet, I lost my leg and have waited over a year and still nothing.

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