What is the argument AGAINST allowing insurance to be sold across state lines?
-
I work in healthcare. A single payer system would likely put me out of a job. I will find something else to do.
A few years ago a few states decided to allow plans to be sold across state lines. Not a single insurer was interested. The only way it would work is if the thousands of insurers across the country consolidated into a small number of companies. That is the opposite of what the GOP is trying to accomplish.
This is really interesting. Working in healthcare you have insight that most of us don't.
From your perspective 1) I The Affordable Healthcare Act working as it should and 2) how do you think it should be amended (or should it be repealed and replaced with something else)?
The ACA is actually working better. Every county will have a plan next year despite Trump telling us that it's a total disaster. The places with only one plan option are mostly rural areas so maybe something needs to be done in those areas. Any business is tough for rural areas. The FCC just allowed Verizon to cut off a bunch of rural customers (some of them fireman and police officers) because they were too expensive.
ObamaCare can be fixed very easily. We need to have a public option. A state run health plan would force costs down because most people are going to choose the public option. This isn't unheard of. This is exactly how Medicare operates. 85% of people on Medicare choose the public option. Medicaid operates the same way in my state (and a few others). Most people choose the public option there too but I do believe there are benefits to the private plans.
If Obamacare can be fixed easily, then why don't the democrats come up with a fixed plan to promote? They have done nothing but sit on their hands. When it comes to congressmen, there is not that much difference between a republican and a democrat. It's like choosing whether to have your left leg amputated or your right leg amputated.
-
The Democrats don't have any power. Any plan they come up with will be rejected by Republicans. The GOP promised to save healthcare. They lied.
-
are can be fixed very easily. We need to have a public option. A state run health plan would force costs down because most people are going to choose the public option. This isn't unheard of. This is exactly how Medicare operates. 85% of people on Medicare choose the public option. Medicaid operates the same way in my state (and a few others). Most people choose the public option there too but I do believe there are benefits to the private plans.
-
1. Private businesses/companies shouldn't be allowed to give their employees healthcare as a perk.
-
2. The state should have its own health plan (I'm guessing this is how Medicaid/Medicare work)
-
3. The federal government should operate a public option that individual businesses can pay into rather than pay for their employee's healthcare themselves.
-
-
are can be fixed very easily. We need to have a public option. A state run health plan would force costs down because most people are going to choose the public option. This isn't unheard of. This is exactly how Medicare operates. 85% of people on Medicare choose the public option. Medicaid operates the same way in my state (and a few others). Most people choose the public option there too but I do believe there are benefits to the private plans.
-
1. Private businesses/companies shouldn't be allowed to give their employees healthcare as a perk.
-
2. The state should have its own health plan (I'm guessing this is how Medicaid/Medicare work)
-
3. The federal government should operate a public option that individual businesses can pay into rather than pay for their employee's healthcare themselves.
I don't know if the federal government necessarily needs to offer the public plan. It could be administered at the state level provided that it is portable and a person can freely move from state to state. This has risks as states like Alabama and Mississippi will happily create the worst plans in the country. They seem to like to be at the bottom.
-
-
are can be fixed very easily. We need to have a public option. A state run health plan would force costs down because most people are going to choose the public option. This isn't unheard of. This is exactly how Medicare operates. 85% of people on Medicare choose the public option. Medicaid operates the same way in my state (and a few others). Most people choose the public option there too but I do believe there are benefits to the private plans.
-
1. Private businesses/companies shouldn't be allowed to give their employees healthcare as a perk.
-
2. The state should have its own health plan (I'm guessing this is how Medicaid/Medicare work)
-
3. The federal government should operate a public option that individual businesses can pay into rather than pay for their employee's healthcare themselves.
I don't know if the federal government necessarily needs to offer the public plan. It could be administered at the state level provided that it is portable and a person can freely move from state to state. This has risks as states like Alabama and Mississippi will happily create the worst plans in the country. They seem to like to be at the bottom.
You hit on something that I noticed when driving several times from Florida, Georgia, Alabama, Mississippi, Lousiana, and Texas… and that is.. Alabama and Mississippi are toilets compared to other states.
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
Healthcare is a cesspool of abuse. Other than a broken arm, my father never went to a doctor his entire life other than for his stent at 81 years old which only took 1 hour. I have never needed a doctor other than a $50 out of pocket visit to get a pain killer and antibiotic for one bout of gastroenteritis.
Another thing about health insurance that is insane.. is that it nearly always excludes medical issues that all people face, such as vision, hearing, and dental.
-
-
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
That all depends. For most people healthcare is tied to employment so if they move to another state they probably have a new job or they have an insurer that operates in multiple states.
ObamaCare plans are actually sold at the COUNTY level. If you don't live in a county where that plan is sold you need to change plans. You are allowed to change plans.
Generally, all plans offer emergency coverage out of state. Most plans do not offer ANY type of coverage out of the country. Medicare has some limited circumstances in which it can be used in Canada but no other country.
-
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
That all depends. For most people healthcare is tied to employment so if they move to another state they probably have a new job or they have an insurer that operates in multiple states.
ObamaCare plans are actually sold at the COUNTY level. If you don't live in a county where that plan is sold you need to change plans. You are allowed to change plans.
Generally, all plans offer emergency coverage out of state. Most plans do not offer ANY type of coverage out of the country. Medicare has some limited circumstances in which it can be used in Canada but no other country.
,
hmm.. if someone moves to another country.. I am sure they still get their social security checks / benefits, but I bet they lose their medicare benefits. They take money out of mt dad's ss before he ever sees it. If he moved to another country, I wonder if they would continue to talke $$ from his ss to pay for medicare that he isn't getting.
Here's a wild idea.. put a tax on tobacco that is used to fund cancer treatments.
-
As for benefits, if you move to a country that is part of the "partnership" then your SSI counts toward that countries state pension.
If I stay in the UK, my US SSI credits go toward my UK state pension. If I return to the US, my UK pension credits go toward social security.
As far as Medicare, that ends once you leave the US.
-
It's my understanding, from living in TX, that the issue is regulations on insurance. Texas is the most protectionist against interstate stuff.
If we have interstate insurance sales, then we end up with the same situation we have with credit cards, where a couple states make their laws so lax to draw the insurance companies in. Delaware and South Dakota control (at least they did 16 years ago) the entire credit card industry because they made their laws benefit the companies and not the customers.
Also, it's a huge loss in tax revenue for the states that don't pander to the insurance industry.
-
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
That all depends. For most people healthcare is tied to employment so if they move to another state they probably have a new job or they have an insurer that operates in multiple states.
ObamaCare plans are actually sold at the COUNTY level. If you don't live in a county where that plan is sold you need to change plans. You are allowed to change plans.
Generally, all plans offer emergency coverage out of state. Most plans do not offer ANY type of coverage out of the country. Medicare has some limited circumstances in which it can be used in Canada but no other country.
,
hmm.. if someone moves to another country.. I am sure they still get their social security checks / benefits, but I bet they lose their medicare benefits. They take money out of mt dad's ss before he ever sees it. If he moved to another country, I wonder if they would continue to talke $$ from his ss to pay for medicare that he isn't getting.
Here's a wild idea.. put a tax on tobacco that is used to fund cancer treatments.
You don't have to be enrolled in Medicare. You can cancel. You can continue to get SS if you are out of the country. I've seen people with US Social Security and Social Security from another country. They worked enough in both countries to get both.
-
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
That all depends. For most people healthcare is tied to employment so if they move to another state they probably have a new job or they have an insurer that operates in multiple states.
ObamaCare plans are actually sold at the COUNTY level. If you don't live in a county where that plan is sold you need to change plans. You are allowed to change plans.
Generally, all plans offer emergency coverage out of state. Most plans do not offer ANY type of coverage out of the country. Medicare has some limited circumstances in which it can be used in Canada but no other country.
,
hmm.. if someone moves to another country.. I am sure they still get their social security checks / benefits, but I bet they lose their medicare benefits. They take money out of mt dad's ss before he ever sees it. If he moved to another country, I wonder if they would continue to talke $$ from his ss to pay for medicare that he isn't getting.
Here's a wild idea.. put a tax on tobacco that is used to fund cancer treatments.
You don't have to be enrolled in Medicare. You can cancel. You can continue to get SS if you are out of the country. I've seen people with US Social Security and Social Security from another country. They worked enough in both countries to get both.
Hmm.. I wonder if some elderly people, such as those who have a DNR or live in a hospice cancel their medicare?
-
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
That all depends. For most people healthcare is tied to employment so if they move to another state they probably have a new job or they have an insurer that operates in multiple states.
ObamaCare plans are actually sold at the COUNTY level. If you don't live in a county where that plan is sold you need to change plans. You are allowed to change plans.
Generally, all plans offer emergency coverage out of state. Most plans do not offer ANY type of coverage out of the country. Medicare has some limited circumstances in which it can be used in Canada but no other country.
,
hmm.. if someone moves to another country.. I am sure they still get their social security checks / benefits, but I bet they lose their medicare benefits. They take money out of mt dad's ss before he ever sees it. If he moved to another country, I wonder if they would continue to talke $$ from his ss to pay for medicare that he isn't getting.
Here's a wild idea.. put a tax on tobacco that is used to fund cancer treatments.
You don't have to be enrolled in Medicare. You can cancel. You can continue to get SS if you are out of the country. I've seen people with US Social Security and Social Security from another country. They worked enough in both countries to get both.
Hmm.. I wonder if some elderly people, such as those who have a DNR or live in a hospice cancel their medicare?
Hospice is a Medicare benefit so that is doubtful. Very few people actually go to a Hospice center. Those services are usually provided at home or in a nursing home. Hospice is short term. Generally people who need Hospice services will die pretty quickly.
-
You hit on something else too.. if someone lives in one state, and purchases their health insurance in that state.. What happens when that person moves to another state? Or even if they are just on vacation in another state? Or overseas?
That all depends. For most people healthcare is tied to employment so if they move to another state they probably have a new job or they have an insurer that operates in multiple states.
ObamaCare plans are actually sold at the COUNTY level. If you don't live in a county where that plan is sold you need to change plans. You are allowed to change plans.
Generally, all plans offer emergency coverage out of state. Most plans do not offer ANY type of coverage out of the country. Medicare has some limited circumstances in which it can be used in Canada but no other country.
,
hmm.. if someone moves to another country.. I am sure they still get their social security checks / benefits, but I bet they lose their medicare benefits. They take money out of mt dad's ss before he ever sees it. If he moved to another country, I wonder if they would continue to talke $$ from his ss to pay for medicare that he isn't getting.
Here's a wild idea.. put a tax on tobacco that is used to fund cancer treatments.
You don't have to be enrolled in Medicare. You can cancel. You can continue to get SS if you are out of the country. I've seen people with US Social Security and Social Security from another country. They worked enough in both countries to get both.
Hmm.. I wonder if some elderly people, such as those who have a DNR or live in a hospice cancel their medicare?
Hospice is a Medicare benefit so that is doubtful. Very few people actually go to a Hospice center. Those services are usually provided at home or in a nursing home. Hospice is short term. Generally people who need Hospice services will die pretty quickly.
You don't HAVE to be on medicare to be in a hospice. A hospice is basically a place to go for elderly - not necessarily even physically ill - where they are kept comfortable - sometimes just as a vacation for their caregivers. No surgeries or other life-extending procedures are done.
https://www.nahf.org.uk/what-is-a-hospice.html -
A hospice is a type of medical treatment that helps take care of people who are very sick and have an illness that they will not be able to heal from. Many people staying in hospices have cancer or AIDS. People who stay in hospices are expected to die soon, but sometimes they get better.
-
A hospice is a type of medical treatment that helps take care of people who are very sick and have an illness that they will not be able to heal from. Many people staying in hospices have cancer or AIDS. People who stay in hospices are expected to die soon, but sometimes they get better.
.. I would say that very few of them get better.. but quite a few of them do not die soon. It is not usual for someone to live another 15 years after their condition is "terminal'. In fact, some cancer patients decide to forego chemotherapy because the chemotherapy is brutal. In many cases, the cancer doesn't kill the person who doesn't take chemo.. but the chemotherapy kills people who do have chemo.
-
Nobody receives Hospice services for 15 years. Medicare actually caps it at six months (which is a long time for this service) and it's rather difficult to continue with the services via Medicare. Hospice is for end of life care. It's basically when treatment has stopped and you are just trying to make the patient comfortable until they die.
-
A hospice is a type of medical treatment that helps take care of people who are very sick and have an illness that they will not be able to heal from. Many people staying in hospices have cancer or AIDS. People who stay in hospices are expected to die soon, but sometimes they get better.
.. I would say that very few of them get better.. but quite a few of them do not die soon. It is not usual for someone to live another 15 years after their condition is "terminal'. In fact, some cancer patients decide to forego chemotherapy because the chemotherapy is brutal. In many cases, the cancer doesn't kill the person who doesn't take chemo.. but the chemotherapy kills people who do have chemo.
I think it also depends on the age you are diagnosed..
-
Nobody receives Hospice services for 15 years. Medicare actually caps it at six months (which is a long time for this service) and it's rather difficult to continue with the services via Medicare. Hospice is for end of life care. It's basically when treatment has stopped and you are just trying to make the patient comfortable until they die.
People rarely die when they are expected to. They also don't die when their insurance coverage runs out (although sometimes I wonder…).
Just in my very limited personal experience:
My aunt was diagnosed with terminal breast cancer that had gotten to her lymph nodes. She was told she would be gone within 3 months. She lasted over a year.
My dad's 2nd wife's mother had all sorts of medical problems including severe dementia, heart problems, diabetes, legs swollen up like tree trunks.. could not walk, could not even operate her wheelchair.. and lingered like that for 15 years.
My grandfather had rheumatism as a child which gave him what is called a "rheumatic heart" that is like a time bomb. He was told several times that he needed heart surgery to fix some problem, but he refused. But then, when he was quite frail and weak, he consented to the heart surgery. Unfortunately, by the time he consented to the surgery, they told him he was too frail and weak to survive the surgery and they would not do it. He was in a wheelchair that he could not operate, and in a motorized hospital bed at home, and wearing an oxygen mask for over 2 years before dying.
My sister in law had severe multiple sclerosis, attempted suicide with an intentional fall - leaving her a quadraplegic with broken vertebrae in her neck. That left her head fused at a 30% angle. She couldn't talk, the pupils of her eyes were unresponsive, on a feeding tube, and looked like a corpse for over 15 years before her heart gave out. My idiot brother fought to keep her alive so he could continue to collect her benefits. He kept her in a vegetative state of hell just so he could live off the income of her benefits. -
Nobody receives Hospice services for 15 years. Medicare actually caps it at six months (which is a long time for this service) and it's rather difficult to continue with the services via Medicare. Hospice is for end of life care. It's basically when treatment has stopped and you are just trying to make the patient comfortable until they die.
People rarely die when they are expected to. They also don't die when their insurance coverage runs out (although sometimes I wonder…).
Just in my very limited personal experience:
My aunt was diagnosed with terminal breast cancer that had gotten to her lymph nodes. She was told she would be gone within 3 months. She lasted over a year.
My dad's 2nd wife's mother had all sorts of medical problems including severe dementia, heart problems, diabetes, legs swollen up like tree trunks.. could not walk, could not even operate her wheelchair.. and lingered like that for 15 years.
My grandfather had rheumatism as a child which gave him what is called a "rheumatic heart" that is like a time bomb. He was told several times that he needed heart surgery to fix some problem, but he refused. But then, when he was quite frail and weak, he consented to the heart surgery. Unfortunately, by the time he consented to the surgery, they told him he was too frail and weak to survive the surgery and they would not do it. He was in a wheelchair that he could not operate, and in a motorized hospital bed at home, and wearing an oxygen mask for over 2 years before dying.
My sister in law had severe multiple sclerosis, attempted suicide with an intentional fall - leaving her a quadraplegic with broken vertebrae in her neck. That left her head fused at a 30% angle. She couldn't talk, the pupils of her eyes were unresponsive, on a feeding tube, and looked like a corpse for over 15 years before her heart gave out. My idiot brother fought to keep her alive so he could continue to collect her benefits. He kept her in a vegetative state of hell just so he could live off the income of wher benefits.Your straight brorher?
;D
-
Nobody receives Hospice services for 15 years. Medicare actually caps it at six months (which is a long time for this service) and it's rather difficult to continue with the services via Medicare. Hospice is for end of life care. It's basically when treatment has stopped and you are just trying to make the patient comfortable until they die.
People rarely die when they are expected to. They also don't die when their insurance coverage runs out (although sometimes I wonder…).
Just in my very limited personal experience:
My aunt was diagnosed with terminal breast cancer that had gotten to her lymph nodes. She was told she would be gone within 3 months. She lasted over a year.
My dad's 2nd wife's mother had all sorts of medical problems including severe dementia, heart problems, diabetes, legs swollen up like tree trunks.. could not walk, could not even operate her wheelchair.. and lingered like that for 15 years.
My grandfather had rheumatism as a child which gave him what is called a "rheumatic heart" that is like a time bomb. He was told several times that he needed heart surgery to fix some problem, but he refused. But then, when he was quite frail and weak, he consented to the heart surgery. Unfortunately, by the time he consented to the surgery, they told him he was too frail and weak to survive the surgery and they would not do it. He was in a wheelchair that he could not operate, and in a motorized hospital bed at home, and wearing an oxygen mask for over 2 years before dying.
My sister in law had severe multiple sclerosis, attempted suicide with an intentional fall - leaving her a quadraplegic with broken vertebrae in her neck. That left her head fused at a 30% angle. She couldn't talk, the pupils of her eyes were unresponsive, on a feeding tube, and looked like a corpse for over 15 years before her heart gave out. My idiot brother fought to keep her alive so he could continue to collect her benefits. He kept her in a vegetative state of hell just so he could live off the income of wher benefits.Your straight brorher?
;D
My oldest brother is one of those few people that are 100% straight. He doesn't care what a woman looks like, nor how obnoxious they are. If they have a source of income (benefits) and can tolerate him, he is goo goo gaa gaa in love with them. He is also ultra liberal.
Hello! It looks like you're interested in this conversation, but you don't have an account yet.
Getting fed up of having to scroll through the same posts each visit? When you register for an account, you'll always come back to exactly where you were before, and choose to be notified of new replies (either via email, or push notification). You'll also be able to save bookmarks and upvote posts to show your appreciation to other community members.
With your input, this post could be even better 💗
Register Login