General Discussion
In reply to the discussion: I don't think the Health Insurance Reform Act was a great progressive achievement. [View all]MedicalAdmin
(4,143 posts)And while I occasionally think about replacing the u with an o, that is merely my fervid imagination working with my frustration and squirting out sideways.
I have much to do and a short time to do it in.
This law, admittedly, is a step in the right direction. But my concerns about the lack of patient cost ( premium plus deductible costs) controls combined with an exception to anti trust laws as well as a working knowledge of how those criminal organizations work gave me great pause.
Did you know that the insurance companies have already lobbied for and received an administrative ruling that allows them to charge off any costs associated with denying claims ( this is phrased as any investigative work to determine the most effective treatments ) thus allowing them to account any costs associated with denying your claim as part of the 80% they are supposed to spend on CARE.
That's right, the law literally creates a loophole that allows them to write off expanding the "Dept. of NO way in hell are we going to pay." This will include more clerks to say know and more investigators to figure out a reason to say no, and more number crunchers to justify why they are saying no.
And this is my main complaint with this law. It is a reward to the very people who are the reason that the system is broken in the first place.
More will be covered and a lower percentage will be able to access care. And it will cost them more. For those of us on the fringe it will cheaper to pay the fine, and we will because even if sensible afford to pay more for the insurance we won't have the additional money to get past the copays and deducts. This will be an extra fee placed on those of us who are barely making it already.
And an increasing number of us would rather die than see our families destitute, impoverished, in debt, homeless, or all 4.
In my particular case, I would prefer to live, but I make too much on paper to qualify for aid, and not enough to afford it on my own. I am done. And it drives me crazy that others don't seem to give a shit that others are dying daily because if this and nothing is done about it. Mostly what I see here is a persistent group of posters who are, IMO, spamming any health care post with their spin on things. If I didn't know better I would suspect that muppets are posting.
I'll stop ranting now andthank you for your understanding. It's time for my morning bleed and barf session.