Immediate "benefits" of the bill. Immediate something. The 2400 pages is a little much for myself.http://www.dems.gov/blog/the-top-ten-immediate-benefits-you-ll-get-when-health-care-reform-passes
3/22/2010 2:17:44 PM
3/22/2010 2:24:26 PM
As a father who is currently dealing with my 1yo's "pre-existing conditions".....there's at least something in there that's nice. I'll probably have it sorted out by the time these rules are actually enforced, though.
3/22/2010 2:25:59 PM
^ and ^^ I don't disagree that they can be good, but I have much less confident that something won't blow up with those.Regarding children, the same argument applies to say "why wouldn't people avoid buying coverage until they get sick?" And regarding 26-year olds, the ability to get covered by their parents only applies to certain people - those who have reliable and responsible parents. So I think there is a strong populist argument to say that we should provide affordable options for students to get covered period - thus addressing the issue directly.
3/22/2010 2:45:44 PM
I don't follow. Are you saying I shouldn't have had health insurance for my daughter? That really would have hurt when they took her to the hospital in an ambulance when she was 6 months old. The pre-existing condition bullshit is only popping up because she had since switched insurance providers.
3/22/2010 3:16:11 PM
3/22/2010 3:26:31 PM
too bad we got insurance "reform" instead of healthcare reform.
3/22/2010 3:29:09 PM
^Care to go into the details of the kind of reform you had in mind?
3/22/2010 3:36:58 PM
We've made plenty of good suggestions in this thread. None of them are in the bill.
3/22/2010 3:38:54 PM
Mind doing a quick bullet point list of the ones not related to health insurance?
3/22/2010 3:42:47 PM
Well the first bullet would be * attack healthcare costs instead of insurancewhich really means a complete overhaul of the system. The goal being that 90% of people pay for their care out of pocket directly to providers and that insurance (public or private) is rare or non-existant.A while back I posted a thing about healthcare costs varying widely (1500 -80000) for the same prodcedure depending on hospital. This happens because consumers dont care about the costs of healthcare, all they care about is insurance. They would never pay the prices that the high cost hospitals do because its ridiculous. Instead they complain when their insurance company tries to control costs and refuses to pay the hospital. The hospital then says fuck both ya'll and pushes in on the consumer. Either through price controls or the market you push down those costs of care so that people can pay them out of pocket. For those who cant or for chronic conditions you can have a form of wellfare. The goal should be to remove insurance entirely. Or atleast have it exist only for freak accidents. Maybe those cases get pushed into homeowners/auto insurance (where they already exist to some degree). For details you'd have to go back and read the stuff thats already been posted about 100 times. tl;dr: insurance is a stupid way to handle healthcare and simply paying for insurance for the uninsured has nothing to do with healthcare costs.
3/22/2010 4:01:50 PM
^^-Tax code reform (specifically, allow individuals to receive wages instead of benefits/purchase their own individual plans pre-tax, or make it so employers can't write off benefits on their taxes. I believe this is the #1 thing that must change if we actually want to see prices begin to go down. Employer-provided benefits mask the true cost of health care.)-Tort reform-Competition across state lines-Student loan reform (Yes, the fact that becoming a doctor requires years of school and a huge monetary investment affects health care costs, you shouldn't have to borrow 250k to become a physician)-Eliminate "minimum services" mandates. The problem we have now is that insurance is used for everything, even maintenance procedures. That's not what insurance is for. Health insurance should be for unexpected events. The insurance companies may be partially to blame for this, but so is the government. We need to work on getting back to a normal system where insurance is used as true "insurance," and routine check-ups or broken fingers are paid for out of pocket. How can we expect insurance to cover everything without insurance premiums shooting through the roof?And now for a couple other "radical libertarian" points that aren't talked about now but hopefully will be talked about in the future:-Throw out patents on prescription drugs. It's bullshit that someone can come out with a drug that treats X, and no one can make a generic version for a number of years. Old people are literally dying because they can't afford prescription drugs, and name-brand drugs can be thousands of dollars for a 90 day supply. The market isn't being allowed to work.-Abolish the FDA. They've proven time and time again that they ban useful substances and approve harmful substances. Let individuals decide what kind of treatment they want, and what they want to put in their body.
3/22/2010 4:05:42 PM
3/22/2010 4:16:07 PM
Granted I know almost 0 about health insurance, but are you arguing that a company should have to provide coverage on someone that they don't feel they can make money on? If that's so, isn't it forcing them to lose money?Like I said, I don't know much about insurance so please correct me if I'm wrong.[Edited on March 22, 2010 at 4:18 PM. Reason : .]
3/22/2010 4:17:47 PM
Thats exactly what its doing and exactly why depending on insurance for all costs is so fucking stupid.
3/22/2010 4:19:38 PM
3/22/2010 4:49:42 PM
3/22/2010 4:57:44 PM
At the least the FDA needs more transparency and reform. As it is right now the FDA is just as much as a political arena as it is a "safe guard" for american consumers.
3/22/2010 5:04:03 PM
yea, that doesn't mean we should abolish it
3/22/2010 5:06:10 PM
3/22/2010 5:10:00 PM
3/22/2010 5:24:32 PM
3/22/2010 5:53:10 PM
3/22/2010 6:02:24 PM
I think I know what he's saying. Let the companies that make drugs make them and the companies that create drugs create them.
3/22/2010 6:04:58 PM
1. Remove patent laws2. Research companies will sell their inventions3. Protect intellectual property rights by having research companies sue when their intellectual property is illegally violated
3/22/2010 6:05:53 PM
3/22/2010 6:05:56 PM
Well I'm not a liberitarian faggot first off. I believe their is money in innovating drugs, new drugs prove that. I also think that making drugs on a small scale is part of researching them, but it's different than the larger scale production done by companies that produce generics for example.
3/22/2010 6:09:35 PM
Maybe it's time we make the rest of the world respect our intellectual property rights when it comes to prescription drugs, while allowing only American health insurance companies to use generics.Right now it's the opposite, and in effect we are subsidizing the rest of the world's healthcare by paying for the majority of the R&D.
3/22/2010 6:13:42 PM
I actually just attended an FDA conference and one of the talking points was on generic drugs and approval. Currently, "big pharma" pays a pretty heavy fee to get their drugs examined for approval. These "user fees" are a source of income for the FDA that allows them to have the extra staffing that is required to fully go through each drug application. Generic companies don't have that kind of bankroll, which is why generics take longer to get approved after the patent on a brand name expires. There is also the entirely different discussion concerning biological generic drugs. If a drug is actually a protein, how do you ensure that the generic protein is equivalent? But I digress...Keep in mind that there is a significant money pit involved in developing new drug entities. A intellectual company would have to sell their inventions for potentially billions of dollars to make up the amount of money it costs to develop. This has little to do with the FDA. Just the fact that out of about 100 drugs innovated, only one will make it to market. With a billion dollar price tag, guess which compaines would be the only ones that had the bank roll to purchase the innovations?The way the system currently is would not support the removal of patent laws. I'm not sure how to reduce the cost associated with developing new drugs, either. You want to ensure that they are safe, and that requires a lot of time and money.
3/22/2010 6:15:36 PM
some pharmaceutical ownage itt
3/22/2010 6:18:11 PM
^^ Serious question, would you know how much of that drug research is done at an academic level instead of at a corporate level?
3/22/2010 6:22:13 PM
3/22/2010 6:26:28 PM
3/22/2010 6:28:51 PM
I missed this one earlier
3/22/2010 6:32:54 PM
What the fuck, did we actually find some common ground?
3/22/2010 6:33:33 PM
I'm kind of surprised too, patent law and NASA are generally the only topics I can agree with libertarians on.
3/22/2010 6:37:03 PM
then why are you surprised
3/22/2010 6:41:52 PM
has this already been mentioned?10 states line up to sue over health billhttp://www.cnn.com/2010/POLITICS/03/22/health.care.lawsuit/
3/22/2010 6:46:56 PM
3/22/2010 6:47:48 PM
In light of recent developments, I think I've had a moment of clarity.Several years ago, I saw an old friend and his family eating lunch in their minivan outside of Wal-Mart on Glenwood. I waved, and they did not wave back.I don't think I'm gonna blow any minds here, but, yes, they were living in their van. It turns out his mother, the woman who cared for me when my parents weren't around, had fallen ill, and her medical bills bankrupted the family. I eventually got to visit them in their new apartment, but I still drive by the house they lost and remember what a loving home they made for me.Anyway, I guess I'm finally realizing that this legislation, with all its flaws, was inevitable. People were dying and losing their livelihoods and their homes. I'm surprised we didn't pass this earlier, like in the early 90's under Clinton, but even then, the market had another decade to adapt and serve the unserved and it didn't. Instead, it got worse.Something had to be done, and if the Republicans really cared, they woulda done something in the 8 years they had control...but instead they blew it on war and the Patriot Act and denying federal funding for needle exchange programs in DC and debating gay marriage...
3/22/2010 6:56:45 PM
3/22/2010 7:00:12 PM
[Edited on March 22, 2010 at 7:13 PM. Reason : wrong thread]
3/22/2010 7:13:19 PM
3/22/2010 7:14:42 PM
I think it would be good to increase co-development. I'm just not sure that the actual cost of drug innovation would decrease. You'd still basically have the 1 out of 100 to market and you'd still have to prove that the drug is safe and effective.I'm not saying it isn't worth talking about. The economics of this is something I'll have to raise my ignorance flag on as I have little relevant experience.[Edited on March 22, 2010 at 7:20 PM. Reason : ed]
3/22/2010 7:17:16 PM
From the recent CNN poll:
3/22/2010 7:39:13 PM
Look conservatives, you finally get an opportunity to prove that the free market can fix itself, or that this while thing was a stupid idea. Either they will take the passage of this bill as a giant wake up call, actually start working towards becoming more efficient and working with health care providers to lower costs. Or, they won't, and the healthcare industry will continue spiraling towards collapse which will eventually lead to some form of socialized medicine. Everybody wins!
3/22/2010 7:58:25 PM
so I havent been staying very well informed on the particulars of the bill that was passed, who can summarize how this is going to affect me? (both health coverage and money wise)right now I have a salary job and have around $350 taken out of my paycheck every two weeks (around $700 a month) that covers health insurance for me, my wife and my daughter. My company used to pay for my health insurance, but almost two years ago when the economy dropped my company stopped paying for the insurance and the employees were responsible for paying for 100% of the coverage if they wanted to keep the policy. At that time I switched to blue cross blue shield insurance, but once my wife got pregnant, I switched back to my companies insurance policy (united healthcare) because it is a much better plan and was marginally more expensive than my BCBS plan wouldve been after my daughter was born and added to my policy.Will I eventually have some of my health insurance covered by the government and/or my employer, where I wont have to pay so much? Or will I still have the same coverage and premium, but with raised taxes and longer lines when I go to the doctors office?
3/22/2010 8:32:14 PM
^ unless you make over 200k/year your taxes won’t be higher.And if there will be longer lines, they won’t be seen for another 2 or 3 years.If you make less than $44k/year, then there is a credit for you to help pay for health insurance.Other than that, nothing else should change for you.http://www.usnews.com/articles/news/politics/2010/03/22/what-is-and-isnt-in-the-healthcare-bill.html[Edited on March 22, 2010 at 8:35 PM. Reason : ]
3/22/2010 8:35:31 PM
3/22/2010 8:39:53 PM
[Edited on March 22, 2010 at 8:41 PM. Reason : needless snark, sorry]
3/22/2010 8:41:33 PM