D-Mama (37) D-Dada (43) and D-Baby (11/02/2011)
ITA with this.
Christina, there are some provisions that people really like. Like companies cannot deny you for pre-existing conditions. Like my sister got denied everywhere....because she had some ear surgeries in her past....more than five years in her past and it's not an ongoing issue. My coworkers daughter got kicked off her insurance because she had lap done for endo.
It is also nice that young people can stay on their parents plans longer. I was lucky and had until I was 25 but that was rare. I basically married DH when I did just so I could have his insurance.
There are some other interesting things going on...not sure that it's part of this act but it's a big push....like getting places on electronic medical records. This is going on where I work. So if I go to see doc A and get a test, all the docs can see the results and that can reduce repeat testing reducing costs. And there is a big push towards evidence based care....looking and see what the evidence shows....the newest flashiest thing (and most expensive usually) is not always the best. Another is an idea called medical homes....where you have a team based approach to chronic conditions and the hope is to keep things like say diabetes under control instead of letting it go until it's bad...and more expensive to take care of. There is a big emphasis on prevention recently...even since I started in 2003....instead of just focusing on curing things or managing them.
A lot of interesting things going on. I know my institution is pretty heavily involved in many of these things....I just wish that I had the time to read more than just scanning titles and sometimes abstracts before passing the literature searches on.
I am interested to hear what will happen in situations like mine. I am insured through my employer, and my benefit package basically allows me to insure myself at no cost to me (I voluntarily pay an extra $60/paycheck to bump up my insurance to a better plan, but I only pay the difference between the two plans). However, to insure DH i would have to pay the entire cost of his insurance, which would work out to $500 or more per month - basically it would be cheaper to self-insure. He is out of work and because he is a veteran and can use the VA services anytime for a sliding scale, we have chosen not to insure him. Medicaid is out of the question because I may way too much to qualify our family for any assistance, however with him out of work we are essentially living paycheck to paycheck because of our house. Another option available to us is to pay for Tricare because he is in the National Guard, and we have discussed that once I have a child we will insure him/her through Tricare. However, does DH being covered by the VA count as being insured? I suspect it doesn't. So we would either need to insure him or pay the tax if we can't - when he has access to healthcare without it.
I really don't think this will impact New Yorkers very much. Not only have we had Medicaid (even available to single men without children) but we have Child Health Plus as well as Family Health Plus available through the state. They're income based. My SIL had insurance available through her work, but it cost over 1/2 her paycheck. She made too much for Medicaid, so she had CHP for her kids for something like $9/month plus copays and FHP for herself for $13/month plus copays.
This sounds like it has a good core, obviously there are going to be some kinks. Hopefully in the long run it will be beneficial for everyone
Last edited by Smplyme89; 06-28-2012 at 11:40 AM.
Oh, I understand that logic. I just don't know that the prices will even out enough that prices will truly be that affordable. My employer has over 9000 employees, but I pay more for insurance through them than I did when I worked for a company of less than 300 people. The question is really how many more people will be paying into the system and how much will what they pay help to level out the difference in premiums? I don't know that anyone has shown the actual numbers involved (they couldn't).
Last edited by Gwenn; 06-28-2012 at 11:44 AM.
Oh and thanks for helping me get a better grasp on this. I really appreciate it, ya'll are awesome
I tend to tune out all things political. It's one of those things where my feelings on the subject are not going to matter in the end, so I just go with the flow. Nothing is perfect in the beginning and that is true for all new things, I just hope that the Insurance companies do not take advantage of people being forced to be insured. That is my primary concern at the moment.
I look at this as as step in the right direction. Change never comes easy. But we need change.
Dbf is Canadian. So we can escape if need be
I agree with that. I think that this is better than nothing but not really wanted I wanted. Why pay a middle man if you don't have to? And I hate that some people seem to be "valued" more just because they are LUCKY enough to have good coverage.
Interesting enough....the UK was way ahead of the US in terms of actually using evidence based medicine. I subscribe to a number of their journals....
I am feeling irked by all the fb stati acting like this is about deadbeat welfare recipients. It's so much more complex than that. Like your sister, for example, Jennifer. Even my parents were pretty worried toward the end of my mom's life that she would lose her insurance if she stopped working. She was far from a deadbeat. *sigh.
I'd likely have to marry him. But the kids get to have dual citizenship which I love for them!