Does anyone know how the new health care law will effect our co-pay. Mine are pretty hefty. Was just wondering
Got my letter from Blue Cross/Blue Shield just today! It states 'No more lifetime dollar limits on benefits" it also says if your coverage was previously cancelled because you reached the lifetime dollar limit under your plan,you have a one time special enrollment right under the law.I can also keep my 2 childern on until they are 26 yrs old.This is great-it will save them some money too !!!
We can only go forward with health care , sometimes
I wonder though.
"here's to hoping and praying that where we are is a step in the right direction. "
Amen. All 3000+ pages of it.
Healthcare shouldn't be political, it should be universal -- but until it is, we do what we have to in a less than perfect system. Years ago I had to make the difficult decision to abandon self-employment so that I could get affordable health care coverage. Though it was a difficult decision and I don't regret it today, it's unfortunate that insurance coverage and premiums were (and are) such that they dictate major decisions about our careers and our families and our lives -- the status quo certainly is a long way from universal -- here's to hoping and praying that where we are is a step in the right direction.
The silence is deafening.
http://www.msnbc.msn.com/id/39215770/ns/health-health_care
We can leave this up if it doesn't get political. If you can talk about this without politics, go for it.
Em
The search is on for that large and healthy (and wealthy) majority
starting to sound like a political thread to me, and on the main page....... Hmmmmm
>How is it paid for?
indeed, that's the question. The choices seem limited. Either pay all your own expenses - which means the very wealthy can afford health care and every one else can die early or hope for charity OR distribute the costs so that a large and healthy majority pays for the costs (which need not include Angela Braly's bonuses) of the much smaller group in need.
How is it paid for?
This is the basic tenant of health care in the industrial world. By increasing the pool of the insured the cost evens out as most persons are healthy and do not use the cost they are paying into the system. I've been paying for health insurance for the past 30+ years, only seeing my doctor if a had a bad flu or something minor. Now that I need health care services all I am asking is for the insurance company to provide the services they are in business to provide. This is a business model that is used throughout the insurance business whether it is car insurance, life insurance, disaster insurance, etc. No rocket science needed. :)
Also without going to far into it, under the new law, the insurance companies must use at least 80% of income from subscribers to provide health care services. Not overhead and perks. This may moderate some of the executive salaries such as my own insurance company's WellPoint CEO Angela Braly who received a 51% year-over-year pay increase, per an SEC filing on Friday. Ms. Braly’s overall compensation rose from $8.1 million in 2008 to $13.1 million in 2009.
Where do I sign up? How many of us have gotten a 50% raise?
How can we achieve this?
Most insurance companies have already implemented these provisions and apparently few here on a forum concerning health issues are even aware of it.
For more information for people concerned about there coverage paying for the new STAT-C HCV treatments it might be helpful to follow the changes to the health care system as provisions are rolled out of over time.
Hectorsf
Required,
universal,
unlimited healthcare?
That's not a question of who pays, but of where do you find the resources. If our doctors worked 16 hour days and we devoted our entire economy to healthcare and meds production, I still don't know if we could achieve this.
Still, a noble goal and if you don't try you'll never know what the actual limits are.
FLG - I know I thought about that too.
The dirty little question....who pays?
Wow that is some great information I hadn't known about at all. I agree wholeheartedly with eureka and angel 100%. Unless you've lived with someone in that boat it would never occur to you (as it never did to me). Wow.
Hi Hector, thanks for posting this information
I'm with Eureka on this ....wholeheartedly.
It does cost that much a year for hemophiliacs or more.
I know at least 50,000 per month or more.
I hope it helps every single disease there is in this sometimes
upside down world.
Great info, Hector! I didn't know that the new health care legislation provided this golden nugget. All this is especially pertinent for patients with hep c who may encounter costly treatments or have to face transplantation.
I know from experience about having to switch insurances in order not to max out -- I've had to do it twice in the last three years to prevent my husband's prescriptions from capping out the annual maximum -- and I've been fortunate enough to have the option to change policies, which I know many people do not. Both insurances last year removed their caps, though, to my relief -- most likely in anticipation of the upcoming rules you outlined above.
Thanks for the post, and as always, wishing you well and all the best. ~eureka