health care---almost there???

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  #61  
Old 03-24-2010 | 12:22 AM
dirt bike dave's Avatar
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[QUOTE=K-Mac Attack;4148331] If one group is oppressed too long, they will rise up and take over if they are the majority (Apartheid...South Africa??)
QUOTE]

Are you seriously comparing the freedoms the 'oppressed' have in 2010 USA with the plights of blacks under Apartheid in South Africa????

Really???? You know THAT little about history and your country???

Sorry, your credibility is ZERO.

You obviously have no appreciation of how lucky you are to live in the USA, and the price paid by others to provide you this gift.


Good day.
 
  #62  
Old 03-24-2010 | 08:35 AM
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Originally Posted by K-Mac Attack
4. Government may not be the full answer but this bill doesn't give the government full control of the health care system. Tighter regulation is placed on insurers for certain. Lets say you have your own private insurance and you get diagnosed with cancer. Do you think it would be fair for the insurer to raise your monthly bill from $100 to $2500 just because you are a higher risk? Worse yet to drop you because you are a higher risk? These insurance carriers aren't benevolent people serving our people...they are there to make money. If you are sick, it costs them money. It is a way to make health care more readily available to people. Yes some will pay more or be "forced" to have coverage. In reality it may be in their best interest. We all have to pay into unemployment and Social Security too. Many never use it and think they won't need it but it sure is nice to have it there.

5. I agree that public schools typically cost more than private schools and do unfortunately have worse outcomes. There are factors not accounted for here too.

First, public schools have to provide necessary services to all students including those with special needs. Some kids require more than others. While the average may be higher, the normal student is typically less. Private schools would charge more for extra services or refer parents to "special" private schools that charge significantly more.

Second, private schools typically have a group of kids/parents that are involved and care about school. Public schools often have kids that don't want to be there and their parents could care less too...they send their kids to school because they have to. It is cheaper to not have so many distractions.

Third, private school teachers usually make less money because they aren't required to have the same level of training. They tend to have a more homogeneous group of students and less issues to deal with.
4. You do realize that insurers on average only make a 2.2% profit, right? They are far from the top of the list as far as profitability goes. Taking profit from them is the wrong place to take money. It will lead to fewer insurance companies in the end. With the law that was just signed there is a limit on how much an insurance company can make. It is based on the "medical loss ratio" that has yet to be developed. There is no carry over provision for losses from one year to the next, so expect to receive a refund of excess profit every year from your health insurance company.

5. There are many reasons why a private school has better outcomes than a public one. One is the teachers are better. They have more personal desire to see the students succeed. The parents are more involved. I have the hardest time getting the public school teachers to even acknowledge e-mails with questions about my kid. Every year I typically have to send at least one CC to the principle where I am ripping the teacher a new one for the lack of communication. I think the biggest factor in private schools being more successful is the free market. If the student is getting an education no better than they would at a public school, it makes no sense to keep them in that private school. The one my kid is going to next year has a very good reputation for graduating many prominent people in society throughout it's 150 year history.

I will leave not comment on the rest of your post, because it would make me angry thinking about how stupid some of your comments were and I don't need that aggravation.
 
  #63  
Old 03-24-2010 | 08:54 AM
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Originally Posted by buckdropper
Okay this past monday i was in the hospital for testing for a kidney transplant. I did a battery of testing i wish for one one. I passed all the tests and it looks as if i am going to get onto the the national transplant list soon.

Now my medical plan here at work is blue cross/ blue shield 104, prescriptions are 15/25/50% Now after the transplant some of the scripts i need are going to be up wards of 1500 a month and my medical covers only 50% of the cost. That is for only 1 script and i may need as many as 5 so even thought i pay by weekly 200 bucks and pay 40 for every doctor visit i will go broke real quick after the transplant. While talking to the surgeons they told me the HMO';s call the shots and they are just the pawn doctors trying to save life's. I know for all you folks that are healthy you can debate and bicker but i have worked all my life and sponged off no one and now that i am ill i have to loose everything i have worked for and my children will get nothing........ I am confused man and don't know if it is even worth going through. Many here have said that Medicaid is for lazy folks and that maybe true but man there are many sick folks that have worked hard, served in our military and need to have Medicaid/Medicare just to help out.. I ask only that you should look deeply before coming to any decision...
Hey Bucky
Have you checked to see if the VA will cover some of your expenses. I don't know when you served, but there is a possibility they will.
 
  #64  
Old 03-24-2010 | 02:00 PM
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Someone in the medical field is making some money when they charge $1000.00 for a toothbrush! All of these industries are claiming low profit margins and that they are in the red.

Again, I am not stupid and do not believe this is going to save the country money, rather the regulation protects people. Insurance is by nature a shared risk venture. Hopefully a small percentage of people have claims and those are to be covered by the sum of everyone's payments.

Health insurance is the only one that gets nickle and dimed routinely. Every doctor visit and every prescription costs them money.

The problem is rooted in the cost to provide care. Few individuals can cover a major illness on their own. People without insurance have few options but to leave doctors and hospitals with bad debt that they will probably never pay back. Thus everyone's costs go up to allow for so much bad debt. Even people with insurance struggle just to pay the co-pays. I found an interesting article about costs.

http://www.communityhlth.org/communi..._CHP_Feb08.pdf

Regardless of what is put out there, there will be people who don't like it for one reason or another.

I hear tort reform but in another breath they say that juries are able to determine damages...the same ones that gives a woman money for spilling hot coffee on herself not realizing it is hot...hmmmm not really. It is a lot easier said than done. Where does their responsibility end? If a patient that has lived their life drinking, smoking and eating fattening burgers dies...is the doctor responsible if they recommend diet and excercise? It is like holding cigarette companies liable for smokers...they know it isn't healthy.

I can't drive my car without insurance. Why should I be able to have a family without insurance? I have heard that people don't have to drive but have to live, thus mandating insurance violates their rights. Having a family isn't a necessity...I have 3 kids and am married and wouldn't give them up for anything in the world. At the same rate, I wouldn't put them in the potential harms way that can exist without protection as I know that even a minor medical bill could wipe me out.

We live in a world of balances. Personal freedom versus the society as a whole is always at stake. I have the freedom of speech but can't yell fire in a theater. I have freedom of religon but still have to meet society's rules. I can't go out and drive drunk because I am going to put others at risk physically. If I go through life without health insurance and get sick...run up a bunch of bills that I can't pay...guess what society pays. A large percentage of personal bankruptcy filings have medical bills that people can't pay.

When I compare the oppression of people in the US on healthcare to the truly oppressed, yes it is an extreme comparison but people will take extreme measures to save their families. What if you couldn't afford the medical bills to keep your child alive? Want them to die just because you weren't rich? I know it is Hollywood and all but I encourage many of you to watch a 90's movie John Q. His son needed a transplant and his insurance's limits were maxxed out and with all the money the community could put together he still couldn't meet the expenses. They were going to send the child home versus giving him the needed heart transplant. He took over the hospital and of course everyone lived happily ever after.

Why put people in such helpless situations. Not everyone is able to make big money, not all get benefits. Sure some are useless and are a waste of oxygen but that's life. I would rather have most everyone covered than not. If it costs us a few more bucks, I think it is worth it. I would rather pay toward insurance that war in Iraq. Just me. No one else has to agree with me but it is what it is.
 
  #65  
Old 03-24-2010 | 04:48 PM
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From: south western NYS Latitude: 42.34 N, Longitude: 78.46 W
Originally Posted by Tumba
Hey Bucky
Have you checked to see if the VA will cover some of your expenses. I don't know when you served, but there is a possibility they will.
Thanks i am looking into VA for some assistance i served from 72-76...
 
  #66  
Old 03-25-2010 | 11:07 PM
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From: western washington
I can't drive my car without insurance. Why should I be able to have a family without insurance? I have heard that people don't have to drive but have to live, thus mandating insurance violates their rights. Having a family isn't a necessity...I have 3 kids and am married and wouldn't give them up for anything in the world. At the same rate, I wouldn't put them in the potential harms way that can exist without protection as I know that even a minor medical bill could wipe me out.
You really need to stop using the car insurance argument. That is the worst one you could use. Your not forced to drive. Therefore your not forced to have insurance. AND the fact is, the state can make you buy the insurance. They have the power to do that. The federal government, by constitution DOES NOT HAVE THE POWER TO MAKE THE PUBLIC PURCHASE A COMMODITY. You need to read and learn the constitution. Specificly the 10th amendment in this case.
 
  #67  
Old 03-26-2010 | 02:49 AM
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True, mandatory health insurance is unfair. It is also unfair that my property taxes pay for those who don't have health insurance and show up at county facilities and don't pay a dime.
 
  #68  
Old 03-26-2010 | 07:50 AM
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Originally Posted by ONELOWF
True, mandatory health insurance is unfair.
It's not just unfair, it costs a fortune. Take a look at Massachusetts to see how unfair and costly mandatory health insurance is. Our system has only been in place for a hand full of years and already the hole it's in is deep. It should be interesting to see this play out on a national scale.
 
  #69  
Old 03-26-2010 | 09:40 PM
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Originally Posted by buckdropper
I know for all you folks that are healthy you can debate and bicker but i have worked all my life and sponged off no one and now that i am ill i have to loose everything i have worked for and my children will get nothing........ I am confused man and don't know if it is even worth going through. Many here have said that Medicaid is for lazy folks and that maybe true but man there are many sick folks that have worked hard, served in our military and need to have Medicaid/Medicare just to help out.. I ask only that you should look deeply before coming to any decision...
I'm sorry to hear this, it's a gut-wrenching story but one that is played out thousands of times a year all over the U.S. I hope the new rules for insurance companies kick in soon enough that you are able to afford better insurance but the cogs of democracy move relatively slowly. Actually, I'm surprised how much was able to be accomplished so quickly considering this is the platform Obama was elected on just over a year ago. That's democracy in action. Seven U.S. presidents (including at least two republican Presidents) before Obama ran (and won) on a promise of national health care but none of the previous Presidents were able to carry through on their promises. Big money insurance companies and lobbiests of the wealthy scuttled their ideas in Congress. Obama did it without even one vote from the party of "no" and that is a credit to his leadership, especially considering that democrats tend to be more independent, especially when compared to Republicans who are notorious for banding together and voting lockstep (regardless of whether they believe it is good for *their* constituents) like a well oiled army who does exactly what their leader tells them to do. This is certainly an important feather in Obama's cap and like Joe (Biden) said, "This is a big ********ing deal"! And it really is.

I get a kick out of the loonies that say Americans don't want healthcare when that's exactly what a majority of Americans elected Obama to do.

And if you think that's wrong then you are an enemy of democracy.
 
  #70  
Old 03-26-2010 | 09:46 PM
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Originally Posted by 1depd
4. You do realize that insurers on average only make a 2.2% profit, right? They are far from the top of the list as far as profitability goes.





gul·li·ble   /ˈgʌləbəl/ Show Spelled[guhl-uh-buhl]
–adjective
easily deceived or cheated.

—Related forms
gul·li·bil·i·ty, noun
gul·li·bly, adverb


—Synonyms
credulous, trusting, naive, innocent, simple, green.
 
  #71  
Old 03-26-2010 | 10:00 PM
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From: south western NYS Latitude: 42.34 N, Longitude: 78.46 W
Originally Posted by Real
I'm sorry to hear this, it's a gut-wrenching story but one that is played out thousands of times a year all over the U.S. I hope the new rules for insurance companies kick in soon enough that you are able to afford better insurance but the cogs of democracy move relatively slowly. Actually, I'm surprised how much was able to be accomplished so quickly considering this is the platform Obama was elected on just over a year ago. That's democracy in action. Seven U.S. presidents (including at least two republican Presidents) before Obama ran (and won) on a promise of national health care but none of the previous Presidents were able to carry through on their promises. Big money insurance companies and lobbiests of the wealthy scuttled their ideas in Congress. Obama did it without even one vote from the party of "no" and that is a credit to his leadership, especially considering that democrats tend to be more independent, especially when compared to Republicans who are notorious for banding together and voting lockstep (regardless of whether they believe it is good for *their* constituents) like a well oiled army who does exactly what their leader tells them to do. This is certainly an important feather in Obama's cap and like Joe (Biden) said, "This is a big ********ing deal"! And it really is.

I get a kick out of the loonies that say Americans don't want healthcare when that's exactly what a majority of Americans elected Obama to do.

And if you think that's wrong then you are an enemy of democracy.
Dude i did not say i could not afford better insurance, this is what my company can afford they pay over 1/2 and i pay the other 1/2. I think you are a lost soul and please don't reply to anything else i say here. You are a hater and haters will ruin the world....
 
  #72  
Old 03-26-2010 | 11:05 PM
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From: western washington
Originally Posted by Real





gul·li·ble   /ˈgʌləbəl/ Show Spelled[guhl-uh-buhl]
–adjective
easily deceived or cheated.

—Related forms
gul·li·bil·i·ty, noun
gul·li·bly, adverb


—Synonyms
credulous, trusting, naive, innocent, simple, green.
You and your fellow progressives are the gullible ones. That or stupid. Which one is it? Yes, the insurance companies profits are about 2.2%. Why is that hard to believe for you? And what profit do you think they should make? How about drug companies? Health and human services director says that the drug company profits must fall by 90%.... so who is going to develop new drugs? You think they will do it out of the goodness of there heart? Or maybe you should concider that they develop new drugs (outragesly expensive) out of profits they make... so they can make more profits.. oh those evil capitalists!
 
  #73  
Old 03-27-2010 | 12:43 AM
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Originally Posted by Real
I'm sorry to hear this, it's a gut-wrenching story but one that is played out thousands of times a year all over the U.S. I hope the new rules for insurance companies kick in soon enough that you are able to afford better insurance but the cogs of democracy move relatively slowly. Actually, I'm surprised how much was able to be accomplished so quickly considering this is the platform Obama was elected on just over a year ago. That's democracy in action. Seven U.S. presidents (including at least two republican Presidents) before Obama ran (and won) on a promise of national health care but none of the previous Presidents were able to carry through on their promises. Big money insurance companies and lobbiests of the wealthy scuttled their ideas in Congress. Obama did it without even one vote from the party of "no" and that is a credit to his leadership, especially considering that democrats tend to be more independent, especially when compared to Republicans who are notorious for banding together and voting lockstep (regardless of whether they believe it is good for *their* constituents) like a well oiled army who does exactly what their leader tells them to do. This is certainly an important feather in Obama's cap and like Joe (Biden) said, "This is a big ********ing deal"! And it really is.

I get a kick out of the loonies that say Americans don't want healthcare when that's exactly what a majority of Americans elected Obama to do.

And if you think that's wrong then you are an enemy of democracy.
I am a very proud enemy of a democracy. Anyone that is in favor of a democracy believes in majority rule over the few...


"Remember, democracy never lasts long. It soon wastes, exhausts, and murders itself."
John Adams

"Democracy is two wolves and a lamb voting on what to have for lunch. Liberty is a well-armed lamb contesting the vote!"
Benjamin Franklin

"If ye love wealth greater than liberty, the tranquility of servitude greater than the animating contest for freedom, go home from us in peace. We seek not your counsel, nor your arms. Crouch down and lick the hand that feeds you; and may posterity forget that ye were our countrymen."
Samuel Adams


Keep licking...
 
  #74  
Old 03-27-2010 | 05:02 AM
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Originally Posted by Super FX4
I am a very proud enemy of a democracy. Anyone that is in favor of a democracy believes in majority rule over the few...


"Remember, democracy never lasts long. It soon wastes, exhausts, and murders itself."
John Adams

"Democracy is two wolves and a lamb voting on what to have for lunch. Liberty is a well-armed lamb contesting the vote!"
Benjamin Franklin

"If ye love wealth greater than liberty, the tranquility of servitude greater than the animating contest for freedom, go home from us in peace. We seek not your counsel, nor your arms. Crouch down and lick the hand that feeds you; and may posterity forget that ye were our countrymen."
Samuel Adams


Keep licking...
Very well put...I agree with you totally on this part!!

We do have to put laws on the books for the greater good of all though.

I have freedom of speech but I can't yell fire in a theater. The second amendment gives us the right to bear arms but I would rather not have people walking up and down the aisles of the local grocery store with rifles slung over their shoulders.

I read the twenty reasons you are losing your freedom due to the health care bill passed and had to laugh. If anyone takes the author serious, they truly don't get it...SATIRE!!!

The argument of car insurance is the perfect example...who cares if it is the state, federal, city or your neighborhood that imposes rules...they all breach our freedoms in some way. I truly hate the argument that you don't HAVE to have a car...BS! Unless you live in the major cities in our country, you need a car. Public transportation is a joke in most other areas of our country.

The bottom line is that having health insurance, car insurance, vehicle safety requirements, etc are all about personal responsibility. While day to day expenses can be covered out of pocket by most...some can't. Worse yet...most of us can't afford to guard against catastrophic problems...then what...you don't want to pay for insurance and I still have to pay to cover your kid...I don't think so.

I guess what I really don't get is how financial freedom is more important that actual freedom to people. Rules like the Patriot Act that were put in place by the Bush Administration really encroached on our liberties. That is something we should scream and protest.

I guess I am not too greedy to put a few hundo in the mix if it helps others. I agree that we have to reign in spending but there are better ways. It is unconscionable to cut taxes on the richest 1% of Americans and subsidize industries to move outside of the US.

I hear people yelling "Baby Killer" at anyone that is Pro Choice and this is insanity! Do you think that people who are pro-choice are sitting at home saying...hmmmm there just aren't enough abortions happening? Abortion is a terrible thing. However, people are going to carry out these things whether legal or not. I would rather it be done right by a doctor than someone attempting in their kitchen and messing up. Then we end up with a baby born a vegetable that's life is destroyed...what a great outcome!

There are protests against gay marriage. What does it matter to anyone else but those two people? Does it make you or I less married to our opposite gender spouses because two men or two women decide to be a couple? Whether it is natural or whatever...let people live their lives the way they want to. It wasn't that long ago a justice of the peace refused to marry an inter-racial couple. Let's get out of the stone age.

The other interesting fact is that most of the legislation signed by the president is rooted in ideas that have been passed around the Republican for decades back to Nixon and Bush Sr. on how to handle health care.

http://news.yahoo.com/s/ap/20100327/...ring_insurance

It seems that most conservatives would be happy living with Sharia Law as long as it doesn't raise their taxes!

Also as far as insurers being such a low profit business...only 80% of their earnings go toward claims. Hmmmm....someone is pocketing some money there! Maybe cut down on the lobby to congress and provide better coverage and stop fighting claims due to frivolous reasons.
 

Last edited by K-Mac Attack; 03-27-2010 at 05:05 AM.
  #75  
Old 03-27-2010 | 08:59 AM
1depd's Avatar
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From: Gulf Coast
Originally Posted by Real





gul·li·ble   /ˈgʌləbəl/ Show Spelled[guhl-uh-buhl]
–adjective
easily deceived or cheated.

—Related forms
gul·li·bil·i·ty, noun
gul·li·bly, adverb


—Synonyms
credulous, trusting, naive, innocent, simple, green.
You can call me what you want, but the stat comes from a left leaning finacial magazine.
http://money.cnn.com/magazines/fortu...tries/profits/
 


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