PDA

View Full Version : Over 100 House Dems Support Banning Private Health Insurance Plans



Teh One Who Knocks
03-06-2019, 12:51 PM
By Haris Alic - Washington Free Beacon


https://i.imgur.com/IOsPTRR.jpg

A radical new health care proposal that, if implemented, would ban private insurance coverage has garnered the endorsement of more than 100 members of the House Democratic conference—nearly half of Speaker Nancy Pelosi's (Calif.) 235-seat majority.

Last week, Democratic congresswoman Pramila Jayapal (Wash.), the co-chair of the Congressional Progressive Caucus (CPC), introduced the Medicare-for-All Act of 2019. Billed as a means to provide "freedom of choice" to health care consumers, the legislation would require everyone, regardless of existing insurance coverage, to enroll in Medicare within two years of passage. Under the proposal, "all primary care, hospital, and outpatient" services would be covered by Medicare without any co-pay or out-of-pocket costs. Encompassed among the list of covered procedures are abortion, mental health and substance abuse treatment, and transportation to and from "health care" appointments for low-income individuals and those with disabilities.

The proposal's most controversial aspect, however, entails the phasing out of private insurance plans. The bill would make it illegal for private insurance providers to sell health coverage that "duplicates the benefits" offered by the taxpayer-funded Medicare-for-All program. Likewise, the bill prohibits employers from offering coverage to their employees if it mirrors those offered by the federal government. Private health insurance plans could only be sold to individuals or offered by employers if they "provide supplemental coverage" on top of Medicare-for-All. Other provisions in the bill limit the federal government from subsidizing any private insurance plans.

Despite polling showing that more than 80 percent of voters oppose eliminating private insurance plans, Jayapal's bill garnered the backing of 105 other House Democrats upon introduction. The support, although stemming largely from CPC stalwarts and liberal firebrands like Rashida Tlaib (Mich.), Alexandria Ocasio-Cortez (N.Y.), and Ilhan Omar (Minn.), also came from several moderate and freshman Democrats.

Some freshman Democrats, like Jared Golden (Maine), Katie Hill (Calif.), Susan Wild (Pa.), and Mike Levin (Calif.) signed as cosponsors of the bill after making it an issue during their 2018 congressional races. Each campaigned as bipartisan pragmatists and won their districts narrowly by promising to fix Washington, D.C.

Moderate Democrats like Ann Kirkpatrick (Ariz.), who was elected to the House in 2018 after a two-year absence, also backed the legislation even though she opposed the idea while campaigning, based on its fiscal implications. Kirkpatrick's office did not return requests for comment on this story.

It is unclear what impact eliminating private health insurance plans will have on the 2020 campaign.

Apart from banning private insurance plans, Jayapal's Medicare-for-All legislation is likely to be contentious because of its social and fiscal components. Tucked away in the 119-page bill is language requiring Medicare to cover abortion service by repealing the Hyde Amendment, which prohibits federal funds from being used for such a practice.

There are also outstanding questions concerning illegal immigrants and if they would be eligible to receive coverage under the plan. The legislation "requires" the secretary of health and human services to establish a "mechanism for automatic enrollment at birth, time of immigration into the U.S., or acquisition of qualified resident status."

Requests for clarification regarding citizenship standards for eligibility were not returned by Jayapal's office.

Jayapal, who proclaimed "health care a human right" in the initial rollout of her bill, has refrained from elaborating on how much the plan would cost or how it would be funded. Previous estimates for the Medicare-for-All bill championed by Sen. Bernie Sanders (D., Vt.), which is acknowledged to be less comprehensive than Jayapal's proposal, put the price tag at upwards of $32 trillion.

Pony
03-06-2019, 01:45 PM
Despite polling showing that more than 80 percent of voters oppose eliminating private insurance plans, Jayapal's bill garnered the backing of 105 other House Democrats upon introduction.

Once again, they are doing what THEY want to do, not what the general public wants. Does not sound democratic to me.

Teh One Who Knocks
03-06-2019, 01:55 PM
Once again, they are doing what THEY want to do, not what the general public wants. Does not sound democratic to me.

Settle down there Citizen or we may need to send you to the re-education camp :nono:

RBP
03-06-2019, 02:31 PM
Plan coverage has gotten so bad and hospital billing so predatory, it definitely needs to change and soon. My wife got a NET bill of $3000 for an ER visit. She's been paying every month. The billing department called and she lost her shit on the guy. :lol: They do not care if you are paying, apparently. You have 4 months to pay all bills or it goes to collections. Period. Fuck you, man.

But I don't think the medical system as currently structured can survive on medicare reimbursement rates. Private insurance has always subsidized public insurance; take that away and the system collapses.

Is this being done anywhere in the world? Where the government pays the bills but the care system remains privatized and profit-based? I thought all national programs controlled both the costs and providing care.

Teh One Who Knocks
03-06-2019, 02:57 PM
Plan coverage has gotten so bad and hospital billing so predatory, it definitely needs to change and soon. My wife got a NET bill of $3000 for an ER visit. She's been paying every month. The billing department called and she lost her shit on the guy. :lol: They do not care if you are paying, apparently. You have 4 months to pay all bills or it goes to collections. Period. Fuck you, man.

But I don't think the medical system as currently structured can survive on medicare reimbursement rates. Private insurance has always subsidized public insurance; take that away and the system collapses.

Is this being done anywhere in the world? Where the government pays the bills but the care system remains privatized and profit-based? I thought all national programs controlled both the costs and providing care.

You know, I guess I never put much thought into that. :-k You would think to completely control costs in a government run single-payer, the government would also need to take control of the medical industry as well (doctors and hospitals).

From a quick Google search on the two biggest single payers:

It looks like in Canada, most medical care is funded publicly, but the doctors and hospitals are all private: https://en.wikipedia.org/wiki/Healthcare_in_Canada

Not sure about the NHS, but it sounds like they run a majority of the hospitals/clinics, but also contract out to private medical facilities as well: https://en.wikipedia.org/wiki/Healthcare_in_England


Also saw this :shock:


The NHS is the world's largest health service and the world's fourth-largest employer; only the Chinese People's Liberation Army, Indian Railways, and Wal-Mart employ more people directly.

RBP
03-06-2019, 03:10 PM
https://www.forbes.com/sites/timworstall/2017/03/26/its-surprising-how-few-countries-have-national-single-payer-health-care-systems/#f7d613a5c5a6

Interesting article on the subject.

Muddy
03-06-2019, 03:56 PM
Medicare is a good program. I have see and been involved in it with my great uncle. I wonder what the costs would be if we diverted the CLUSTER TRAIN FUCK of money away from the insurance companies (who do fucking nothing but deny treatment and stifle payments) and poured it into that program.

fricnjay
03-06-2019, 05:01 PM
I think this is a great idea, should be awesome and save Americans a lot of money while giving everyone amazing health coverage. :thumbsup:



























































https://i.imgur.com/ZEr80Io.png

RBP
03-06-2019, 05:02 PM
Medicare is a good program. I have see and been involved in it with my great uncle. I wonder what the costs would be if we diverted the CLUSTER TRAIN FUCK of money away from the insurance companies (who do fucking nothing but deny treatment and stifle payments) and poured it into that program.

I hear you, the insurance companies are part of the problem and cost needs to be viewed as the broader systemic cost.

Medicare has coverage limits as does any other insurance. Most people have to buy a private plan to cover what medicare doesn't. I think my mom pays ~$300 a month for her supplemental plan.

Teh One Who Knocks
03-06-2019, 05:27 PM
Medicare is a good program. I have see and been involved in it with my great uncle. I wonder what the costs would be if we diverted the CLUSTER TRAIN FUCK of money away from the insurance companies (who do fucking nothing but deny treatment and stifle payments) and poured it into that program.

Sorry, I feel the opposite, Medicare sucks ass. I know it first hand with having to deal with all the bullshit after my dad had his massive stroke and had to go to the ER and then spend weeks in the hospital for recovery afterwards. Medicare covered absolutely nothing but the bare minimum unless he would have paid out of pocket for Medicare part B and/or supplemental private insurance. Fucking Medicare wouldn't even pay for the fucking ambulance ride to the ER.

And with everything we had to deal with, all I can say is THANK GOD for the Adventist hospital. They were saints when it came to helping my dad. They took him in without any insurance whatsoever, he had a private room, around the clock care, his own therapists (multiple therapists, speech, physical, psychological) and they didn't charge us a dime. I have no idea how they did it because it would have easily been a million dollar plus bill for what he received there. And on top of all that, when it was getting close to time to discharge him there because it was at the end of what they could do, they're the ones the helped as the liaison between us and the nursing homes when we had to find a place for the next step in his care and then eventually a permanent place for him when it was obvious that he wasn't going to be able to come home ever again. It was an absolutely shitty time in our lives and they were amazing. That's far more than I could ever say about the fucking government run Medicare system.

Muddy
03-06-2019, 06:06 PM
I hear you, the insurance companies are part of the problem and cost needs to be viewed as the broader systemic cost.

Medicare has coverage limits as does any other insurance. Most people have to buy a private plan to cover what medicare doesn't. I think my mom pays ~$300 a month for her supplemental plan.

Insurance only takes a loss ONCE..


Sorry, I feel the opposite, Medicare sucks ass. I know it first hand with having to deal with all the bullshit after my dad had his massive stroke and had to go to the ER and then spend weeks in the hospital for recovery afterwards. Medicare covered absolutely nothing but the bare minimum unless he would have paid out of pocket for Medicare part B and/or supplemental private insurance. Fucking Medicare wouldn't even pay for the fucking ambulance ride to the ER.

And with everything we had to deal with, all I can say is THANK GOD for the Adventist hospital. They were saints when it came to helping my dad. They took him in without any insurance whatsoever, he had a private room, around the clock care, his own therapists (multiple therapists, speech, physical, psychological) and they didn't charge us a dime. I have no idea how they did it because it would have easily been a million dollar plus bill for what he received there. And on top of all that, when it was getting close to time to discharge him there because it was at the end of what they could do, they're the ones the helped as the liaison between us and the nursing homes when we had to find a place for the next step in his care and then eventually a permanent place for him when it was obvious that he wasn't going to be able to come home ever again. It was an absolutely shitty time in our lives and they were amazing. That's far more than I could ever say about the fucking government run Medicare system.

You and I have had different medicare experiences.. I was POA and chief care-giver for my Great uncle for 3 years and we had no trouble out of medicare (he was a chronic user of medical services, I think even maybe a hypo).. When he got towards the end of his time they even brought in hospice on their dime.. With that being said, we never had any stroke level events to deal with..

perrhaps
03-07-2019, 09:23 AM
Sorry, I feel the opposite, Medicare sucks ass. I know it first hand with having to deal with all the bullshit after my dad had his massive stroke and had to go to the ER and then spend weeks in the hospital for recovery afterwards. Medicare covered absolutely nothing but the bare minimum unless he would have paid out of pocket for Medicare part B and/or supplemental private insurance. Fucking Medicare wouldn't even pay for the fucking ambulance ride to the ER.

And with everything we had to deal with, all I can say is THANK GOD for the Adventist hospital. They were saints when it came to helping my dad. They took him in without any insurance whatsoever, he had a private room, around the clock care, his own therapists (multiple therapists, speech, physical, psychological) and they didn't charge us a dime. I have no idea how they did it because it would have easily been a million dollar plus bill for what he received there. And on top of all that, when it was getting close to time to discharge him there because it was at the end of what they could do, they're the ones the helped as the liaison between us and the nursing homes when we had to find a place for the next step in his care and then eventually a permanent place for him when it was obvious that he wasn't going to be able to come home ever again. It was an absolutely shitty time in our lives and they were amazing. That's far more than I could ever say about the fucking government run Medicare system.

MEDICARE is only a base coverage program. People on it need to either purchase a supplemental plan, or, if low-income, become enrolled in a state-sponsoredsupplement.

My wife and I spend @$360.00 monthly for our supplements, and 13 months later, the only money we've paid out of pocket are relatively small copays for some of our prescriptions (most have no copays). I had surgery six weeks ago, and my total personal costs have been zero.

lost in melb.
03-07-2019, 12:16 PM
Plan coverage has gotten so bad and hospital billing so predatory, it definitely needs to change and soon. My wife got a NET bill of $3000 for an ER visit. She's been paying every month. The billing department called and she lost her shit on the guy. :lol: They do not care if you are paying, apparently. You have 4 months to pay all bills or it goes to collections. Period. Fuck you, man.

But I don't think the medical system as currently structured can survive on medicare reimbursement rates. Private insurance has always subsidized public insurance; take that away and the system collapses.

Is this being done anywhere in the world? Where the government pays the bills but the care system remains privatized and profit-based? I thought all national programs controlled both the costs and providing care.

Yes, we have that system here - more or less. As you move into more urgent/elective care and hospital treatment the system the public-based vs private-based becomes more distinct. Many specialists work both in the private and public hospitals. IF you have something semi-urgent you can have him/her treat you in the public system hospitals ( cheaper with longer wait) or private system ( more expensive & quicker). For urgent stuff and cancer our public system is excellent and affordable.

I have had treatment under both systems - the private system is much more affordable here than in the US - i.e. costly but fair. Drugs will almost always have significant rebate. From our perspective the private system/health insurance in the US is basically a rort.