12-24-2009, 07:47 PM
No sir - I do not want the gov't thinking for me.
It's apparent that many people have not read the bill themsleves and are getting their information from litening to the radio and watching the television. Not many people can cite their problems with this bill by saying "on page 345, there is a section which says abc."
Here's an example of what I mean...There's an FB group which is against Healthcare Reform...What appears below is from an earlier version of the Bill when the hysteria was at its height-->
Complaint from fb group: Pg 29 lines 4-16 in the HC bill - YOUR HEALTHCARE IS RATIONED!!!
What I found:
At first, I did not understand what it says on page 29 in the pdf copy because I did not know what "cost sharing" is defined as. So....I looked under "General Definitions" and found this:
Ok - got it.
So I read page 29, lines 4-16 referred to in the statement above from the fb group:
This seems to be referring to the maximum out of pocket costs for covered services (not including premiums) for an individual ($5000) and a family ($10,000). That's a good thing. It means your insurance provider covers 100% of covered costs if you hit $5000 or your family hits $10,000. Example: You get into a terrible car accident and are required to stay in the hospital for months. You have an 80⁄20 plan...so you are responsible for 20% of the TOTAL costs which are now approaching 60,000....Under the Reform Bill, once your co-pays and deductibles hit $5,000 the insurance provider must for pay all other bills as they continue to accrue. Instead of your bills piling up to financially destroy you, you have $5000 of expense & that's it.
There are more examples of misstatements & fearmongering like this one...And, I would not be surprised if it's still going on.
Ant, you yourself even typed "SYBER read this bill". Well, here's my response: READ IT FOR YOURSELF.
I'm not saying I'm 100% on board with this bill...and I'll tell the truth and say why: I have EXCELLENT coverage & I'm afraid that I'll end up paying for "the less fortunate." That's my biggest freaken fear. [/b]The thing is - I can read & most Americans can too...yet we're not doing that. We're listening to other people and relying on them to read the document for us.
It's apparent that many people have not read the bill themsleves and are getting their information from litening to the radio and watching the television. Not many people can cite their problems with this bill by saying "on page 345, there is a section which says abc."
Here's an example of what I mean...There's an FB group which is against Healthcare Reform...What appears below is from an earlier version of the Bill when the hysteria was at its height-->
Complaint from fb group: Pg 29 lines 4-16 in the HC bill - YOUR HEALTHCARE IS RATIONED!!!
What I found:
At first, I did not understand what it says on page 29 in the pdf copy because I did not know what "cost sharing" is defined as. So....I looked under "General Definitions" and found this:
Quote: (4) Cost-sharing.--The term ``cost-sharing'' includes
deductibles, coinsurance, copayments, and similar charges but
does not include premiums or any network payment differential
for covered services or spending for non-covered services.[/size]
Ok - got it.
So I read page 29, lines 4-16 referred to in the statement above from the fb group:
Quote: (2) Annual limitation.--
(A) Annual limitation.--The cost-sharing incurred
under the essential benefits package with respect to an
individual (or family) for a year does not exceed the
applicable level specified in subparagraph (B).
(B) Applicable level.--The applicable level
specified in this subparagraph for Y1 is $5,000 for an
individual and $10,000 for a family. Such levels shall
be increased (rounded to the nearest $100) for each
subsequent year by the annual percentage increase in
the Consumer Price Index (United States city average)
applicable to such year.[/size]
This seems to be referring to the maximum out of pocket costs for covered services (not including premiums) for an individual ($5000) and a family ($10,000). That's a good thing. It means your insurance provider covers 100% of covered costs if you hit $5000 or your family hits $10,000. Example: You get into a terrible car accident and are required to stay in the hospital for months. You have an 80⁄20 plan...so you are responsible for 20% of the TOTAL costs which are now approaching 60,000....Under the Reform Bill, once your co-pays and deductibles hit $5,000 the insurance provider must for pay all other bills as they continue to accrue. Instead of your bills piling up to financially destroy you, you have $5000 of expense & that's it.
There are more examples of misstatements & fearmongering like this one...And, I would not be surprised if it's still going on.
Ant, you yourself even typed "SYBER read this bill". Well, here's my response: READ IT FOR YOURSELF.
I'm not saying I'm 100% on board with this bill...and I'll tell the truth and say why: I have EXCELLENT coverage & I'm afraid that I'll end up paying for "the less fortunate." That's my biggest freaken fear. [/b]The thing is - I can read & most Americans can too...yet we're not doing that. We're listening to other people and relying on them to read the document for us.
I will not be participating at this forum.
This is a toxic place. Goodbye.
This is a toxic place. Goodbye.