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The Prescott Daily Courier | Prescott, Arizona

home : opinions : opinions September 15, 2014

8/19/2012 10:04:00 PM
Letter: Health care act already is paying off


The provision in Obamacare that requires insurance companies pay out at least 80 percent of premium dollars collected in medical payments became reality on Aug. 1. The insurers are refunding amounts that they collected in excess of the 20 percent allowed for the first time in history. Many of the refunds will go to the employers who provide medical insurance to their employees, but those that buy their insurance directly will also be eligible for refunds.

Many other provisions of the Health Care Act begin in 2014 including the elimination of pre-existing condition riders, the elimination of rescission practices by insurer's and the banning of lifetime dollar limits so important for those that are diagnosed with a major illness such as cancer.

In addition, when you lose your job, you don't lose your access to healthcare, so important in these days of outsourcing jobs.

These and other protections for policyholders are a part of the healthcare act. Repealing the act, which leaves in place private healthcare providers, private hospitals and private health insurers, would add $109 billion to the federal deficit in the next 10 years according to the nonpartisan Congressional Budget Office. Yet many of those running for office are pledging to repeal these protections by repealing the act.

Notice they aren't willing to give up the health insurance they will benefit from by being elected that the rest of us pay for. They are willing to sacrifice the rest of us for their own ideology.

Michael Phillips


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Reader Comments

Posted: Sunday, August 26, 2012
Article comment by: have insurance but still pay dearly

first off here is to the dr. that treats the elderly..I would really love to know your name you sound like you have a horrible bed side manner. and I do not want to end up going to you. we need more caring and sympathetic dr. around here not some that has been bought out by the industrial. yes I agree there is too much of a lot of things, and some are wanting all of these tests why maybe they just need someone to talk to, these elderly people need to live in a community of they're own age so they can get together, have a dr. that lives right along with them in a office so they can go there. NOT KIDDING!! this obama care people not only did he HELP write this but it was already written by hillery clinton!!! basically for the elderly they just make you comfortable for you to die no operations no nothing to help with your blood sugar or heart pills, or whatever they are taking, it will be no surgery, after a certain age, it will be pain meds probably morphine to relax you to die peacefully and fast!! the young do not see the dr. much except for the flu tonsilitus strep, broken bone. its when you start getting older that your body is starting to wear down that you need more care. I am 47 years old and I am trying to get my cholesterol down naturally and so far it is working and yes I have to watch what I eat, and Ihave put on weight and I am losing the weight. a lot harder now than it was back when I was younger. I have back problems that I had to go to the dr. MY INSURANCE vetoed an xray until after I went to the physical therepist. ok there is something wrong with that. you have to SEE first what is wrong before going to P.T so I went and it made it worse so I got the xray and it stated that I needed an mri to show more. it was finally ok'ed by my insurance, HA!!! only to find out that they did not even cover it. I had to pay it out of pocket. I have a very high deductable 3,000 for the whole family before the insurance pays 80%. I have arthritis degenerated disk, compressed disk tumors, cysts herniated disk, some other things I have no clue to what it is and on top of that I also have fibro. and I will not get better, I will continue to get worse as I age. and I am fighting it every step I take. I do agree with the dr. in somethings. people that do have insurance or welfare goes to the dr or the E.R for a tiny sniffle or cough. people use your head!!! the ER stands for EMERGENCY ROOM a cough and a sniffle is not considered for this. even for the weekend. if the cough is dry get the cough med. OT for this. if it is wet make sure it has guaffisen in it to help break up the mucus. if it is not bleeding (like squirting out) or if the bone is not sticking out of the skin or turning purple stay out and stop clogging up the ER dr. for the people that really need the fast attention!!!
and for those that voted FOR the obama care I really hope your proud of yourselves because you will not get the medical help you so deserve along with the rest of us. and thanks for voting in obama who wants to make AMERICA a communist country. I really pray that he does not get reelected again because if he does, we will be a communist country!!!

Posted: Wednesday, August 22, 2012
Article comment by: Namby Pamby Liberal

@ Hooty Hoo

Does that mean you have some amendments to suggest for ACeA, or are you trying to argue that we stick with our current system that is proven not to work?

I think for a lot of folks it is simply the fear of change. But the thing is, our current insurance system is so dysfunctional, we don't really have anything to fear from trying another one, almost any other one.

Posted: Wednesday, August 22, 2012
Article comment by: Hooty Hoo

Here's the problem with Obamacare:
1. No discounts from Big Pharma. He's in bed with them as was W. Bush.
2. Almost no discounts from Big Hospital. Token amount which will probably disappear.
3. Too many loopholes to have any teeth. Nobody who knows how to play the game is going to pay anything toward it. The healthy still won't buy health insurance and the employers still won't supply it.
4. Uncle Sam will indeed pay toward some people's insurance who don't get it now, so the bill will be heavily revenue negative.
5. Lots of hidden taxes on the folks, like the 3.8% one that starts next year, a whole year before most of the so-called "revenue" starts coming in.
6. It won't even cover a working stiff who pays 20% of his income for his family's health insurance if he gets his own from his employer. He'll still pay 20%. Nice. The bill is so poorly worded with so many loopholes it cannot ever work.

Posted: Wednesday, August 22, 2012
Article comment by: Attentive Listener

@ no name

I will not reply to trolling.

Posted: Tuesday, August 21, 2012
Article comment by: The health Care waivers

Are temporary until 2014 when the health exchanges are enacted. Business and unions have been granted TEMPORARY waivers. According to factcheck.org and politifact claims that unions will not have to comply with the affordable care act are false. Many provisions of the act don't take effect until 2014. You're spreading propaganda contrived by Rove's Crossroad GPS .

Posted: Tuesday, August 21, 2012
Article comment by: Chris Bergman

@Open Book, always happy to be of service (though not the kind of "service" you self appointed neo-nobility seem to prefer). Perhaps, after we've taught you the difference between voluntary and involuntary, we can teach you the difference between insult and observation. bergman_blogs@yahoo.com

Posted: Tuesday, August 21, 2012
Article comment by: open book

Bergman: Somehow coming from you, your insults feel like a compliment. Thanks. Have a good evening!

Posted: Tuesday, August 21, 2012
Article comment by: open book

@@ open book:

Do you have anything in your repertoire besides insults?

You told me where to begin my Bible studies?
Satan is responsible for most of the Bible?
Huh? Your comments don't even make sense.

Posted: Tuesday, August 21, 2012
Article comment by: @ Attentive Listener & open book. ~ Worry about your own life, not others.

Attentive Listener: You state time and again that according to no real facts in the long run, according to those great analysts at CBO, who have changed their mind several times, the practice of medicine and hospital treatments will all be cheaper under Obamacare.

Not better, not more of it, just cheaper.

Well, my question is: 'Cheaper for whom.?'

It sure won't be cheaper for me, as I have no intentions of indulging in some 3rd World visit to the local free clinic to stand in line behind illegals, TB carriers, AIDS patients, criminals, drug addicts, drunks, ex-cons, crazy persons, and the chronically dirty.

Still, I will be forced to pay into ObamaCare, both directly (via fines) and indirectly (via my own health insurance plan) so people like yourself and open book, whom I can tell from your posts do not pay any income tax, are getting about 300% more out then you ever put in, and would not know an insurance premium from a wombat, can have 'free' medical treatments at your leisure while I am at work to pay for it all.

People like yourself and clone open book, dm, MD et all (likely the same person) all crow and rant about how everyone will be paying into the system, and thus risk will be shared, and all will be perfect and happiness shall walk the halls of the ER 'cuz it's all free.

So, tell me since you won't be paying, and illegals won't be paying, the perpetually impoverished won't be paying, people currently on SSI won't be paying, those on Medicare won't be paying, there have been millions of union workers exempted by Obama who won't be paying, the members of the DC Frat Team in the White House, Senate, Congress, and all the federal agency employees won't be paying, Obama sure ain't paying...so, tell me again how this is 'cheaper' for the average responsible, hard working American.

Posted: Tuesday, August 21, 2012
Article comment by: Zig E.

As I drove to and from work today, mostly on paved roads, I realized that I haven't received a monthly bill for those roads. Why ? Because government believes that it " Promotes the general welfare " to have paved roads. I drove by a public school today and again I realized that I hadn't received a bill to pay for those kids education. Why ? Again because government believes that providing an education " Promotes the general welfare ". Now that's not to say that I don't pay for those services or that they're free. There not. And neither is healthcare. Its just how its paid for, who's making the profit, and whether it can be done on a large scale for less money in order to " Promote the general welfare ". The fact that people like Lyle hate the idea because they will have to pay more is just icing on the cake.

Posted: Tuesday, August 21, 2012
Article comment by: And so it is

Liberals can talk all day long about how wonderful and necessarry Obamacare is. But they don't seem to care that it is not financially sustainable. They just get mad when you bring that up and accuse you of not caring about children and poor people getting medical care. And that's how liberals address all other important matters in our society. Facts and details are not important. Only emotion and what makes them feel good about themselves.
They'll talk all day about the problems with the existing system, but they don't seem to care about the fact that taking a bad situation and making it WORSE...all in the name of "doing something", is not an improvement.

I'd love just once to hear a liberal explain why Obama, his family and hundreds of thousands of other Americans who belong to unions (that support Obama) are EXEMPT from Obamacare. How could that be? If it's such a wonderful plan that we should all shut up and accept, then WHY would there be so many Americans EXEMPT from it's guidelines?

Then if you really want to watch a liberal go nuts, ask them why the Obamacare bill was rushed so hastilly through congress. The Democrats all admitted that none of them had time to read, let alone understand and debate, the contents. Obama and the Dems knew that their majorities in the House and Senate wouldn't last long, so they rammed the bill through in the most dispicable of partisan displays.

Posted: Tuesday, August 21, 2012
Article comment by: Chris Bergman

OK, let's see here. “Open Book” your response to “@ Zig E” shows that you, like Zig E, cannot tell the difference between provide and promote. No newsflash there, but that incapacity does have consequences, as I will demonstrate later. Your response to “@Open Book” demonstrates that you are likewise incapable of applying a simple analogy. Still, not really news worthy. Your response to me proves what I suspected all along, that you do not understand the fundamental difference between voluntary and involuntary participation as it relates to the human condition, nor do you care to, so long as this self induced ignorance comforts you as you seek to persecute some for the benefit of others. Your philosophy is fundamentally flawed and your ideology is inhumane. The upshot of this is that you have yet to post anything, anywhere, at any time, in any of these threads, that was not utterly inane. And yes, I know, you just don't understand.

@ab c, my statement stands. It's not my opinion, it's history. If you have a problem with it, go talk to H. G. Wells. I understand he may have a machine you can use to change that. Until then, deal with it. bergman_blogs@yahoo.com

Posted: Tuesday, August 21, 2012
Article comment by: Geezer Cows

16% of our GDP does for healthcare. Some Euro countries do it for 5-6% and live longer and better. Why? Because the have fewer human cows than us, and everybody doesn't need their knees replaced, $300/month of diabetes drugs, sleep masks and heart stents. All for the fat folks. You know the ones you see at Walmart in the electric scooters because they're too fat to walk. They should charge by the pound for health insurance.

Posted: Tuesday, August 21, 2012
Article comment by: Really .

To the bloviator, Pt. 1:
Good grief, give it a rest, Bergman. You constantly bloviate to others about 'involuntary participation,' but you yourself are an accomplice simply if you are a taxpaying citizen of this country. You beat the ‘my property’ drum until dead horses begin to stink up the valley. No one really asked whether you liked it or not, nor do we much care. You’re like a scared child who tightly holds all of his toys to his chest. Shhhh. Quit crying Bergman. Be a good boy and nobody will take your toys away…
You detest paying taxes and contributing to the collective welfare of others and/or the infrastructure of the country – we get that. Guess what? You don’t have to do any of that. You can leave altogether. Move. Try Thailand. I’ll help you pack. Or stay, and live in your own model of reality, bearing in mind the big bad govt. will eventually come collect from you using the easy or hard way. It’s your choice either way. Personally, you strike me as completely self-obsessed. How is that working out for you?
You resent contributions being a requirement in terms of making health care affordable to citizens under 65, yet you are mostly silent about Medicare. Why is that? Could it be because you’re being a giant hypocrite, perchance?
I’m likely wasting my time. It’s not as if you’ll address any of this, anyway. In your own inflated sense of self importance, you are content with consistently missing the point and dealing in petty semantics.

Posted: Tuesday, August 21, 2012
Article comment by: @fee for Sevice

You are correct that we need to find a way to incentivize results rather than services. Obamacare didn't create that condition, it was in place before Obamacare. Surely you understand that if he were to address that issue, he would be accused of rationing by those not wanting improvements because they profit from having the system that profits from all those tests.

Posted: Tuesday, August 21, 2012
Article comment by: @ Attentive Listener

We get the Obamacare rundown. Here's what you don't get: It's going to cost way more than they say it will. Government programs ALWAYS cost many times what they say they will. The program does almost zero about the rising medical costs, about rising drug costs. But it magically pays to insure just about everyone, who will then use more healthcare goodies. It assumes people who are insured with use less healthcare, and that's a load of bull. Ask Romneycare, ER visits went up, everything went up. Americans use a ton of healthcare, especially when they don't have to pay for it.

Posted: Tuesday, August 21, 2012
Article comment by: Ron Pauly

I was at the doctors and the nurses were looking at an newspaper article where the feds were giving rural Arizona six million dollars for,healthcare.Part of obama care.It looked like an unpaid for bribe to me.

Posted: Tuesday, August 21, 2012
Article comment by: @tom Lyle

You are mistaken. Section 1312 para D of the affordable care act requires members of congress and their staff to purchase healthcare through the health exchanges created by the act beginning in 2014. Until 2014 they will continue to receive insurance through the federal employees insurance as they have done for years, and which you and I pay for. All the republicans who are threatening to repeal Obamacare are not threatening their access to coverage, only yours.

Posted: Tuesday, August 21, 2012
Article comment by: Not Bergy Again!!

And here's Bergy's fundamental problem: "Society was created for the good of me." Just how arrogant do you think you are? News flash for his Holiness Bergman... Jefferson and Madison and the Founders knew nothing of you, so no, society wasn't created for your good. You like to say that you are at the service of no one, but then subjugate workers and the lower-middle class to the whims of the wealthy "job providers." Yes, you have chained the workers to labor their entire life at the pleasure of those that bestow jobs upon them like blessings from heaven. Since slavery was abolished, you and those like you (Lyle Senseless, Tom Steele, et al.) have sought ways to keep members of society in servitude. You place capital above all else, especially labor. Guess what? That's wrong. Without labor, there is no capital. Lincoln knew this to be true.
You want to be on your own, responsible for you and only you? Good. Don't call the fire department or the police department for anything, don't drive on the roads or collect Medicare or Social Security, don't visit a city or national park. Go be your society of one.

Posted: Tuesday, August 21, 2012
Article comment by: Fee for Service Baby!

In countries like England there is no incentive to order a bunch of tests or do knee replacements instead of ibuprofen. Here there is. The more stuff you order the more you get. The more you operate the more you get. Anyone that doesn't think that leads to huge costs has their head in the dirt. That's why the US healthcare expense is double the next lowest country. And they are healthier too. Obamacare does next to nothing to address that either. He pays lip service to it but there's no real solution.

Posted: Tuesday, August 21, 2012
Article comment by: Here's Why Medicare is Broke

I'm a doctor for a lot of Medicare patients. I also did this in another country prior. In the US everybody wants to run every test on everyone. CT, MRI, ultrasound, stress tests, Xrays, blood work. They want Physical Therapy, Cardiac Rehab, stents, pacemakers, knee and hip replacements with more Rehab. Cataracts, skin cancers, hearing aids, injections, back surgery, prostate surgery it never freaking ends with this bunch. They call 911 for an ambulance for their heart skipping beats and go to the ER. Every time they burp they end up in the ICU for a possible heart attack. They get an MRI for dementia or if they're dizzy. Everyone has sleep apnea, more sleep tests and CPAP masks. This stuff ain't cheap. Older Americans are really expensive when it comes to health care because they have Medicare and they want it all baby. They don't pay nearly enough out of pocket. If they had to pay more they would use less, trust me. I know. In my other nation people did just as well with way less money spent. The government ran the show and did just fine with it.

Posted: Tuesday, August 21, 2012
Article comment by: Attentive Listener

Bottom line: prior to the Affordable Care Act, Americans who chose to have insurance paid health insurance premiums which provided healthcare both to themselves and to those who either could not afford it or chose not to have it. With the Affordable Care Act, all Americans will pay insurance premiums which will provide health care to themselves and to those who cannot afford it, while those who can afford it and choose not to will pay a tax to offset the costs that they will inevitably place on the system. The CBO predicts that this will cost less in the long run while providing more care. What exactly is the problem again?

Posted: Tuesday, August 21, 2012
Article comment by: Tom Lyle

If the President, the Senate,and Congress had to take Obamacare for their insurance instead of the insurance they have, they would NOT have voted in Obamacare and we would be talking about something else. One way or the other either the Government or the insurance companies are going to get in our pockets big time and tell us what we can and cannot do.Like it or not.

Posted: Tuesday, August 21, 2012
Article comment by: Hooty Hoo

Do health insurance companies have a right to make a ton of profit from the policy holders? That's a very basic question in this issue. Because of the extremely high charges for hospital care people really regard health insurance and a neccessity. Insurance companies have a monopoly in the policies. It's not like we have many choices like we do buying food or cars or car insurance. They can charge whatever they want and raise their rates 15%/year. Everyone knows they are crooks, but it's an unregulated industry.

Posted: Tuesday, August 21, 2012
Article comment by: The name Calling

Insults and demagoguery used by some on here is an admission that they have lost the argument and they are trying to cloud the issue. It is a verbal bullying tactic used against those who are seeking a solution that allows access to healthcare for all. I've always enjoyed the benefits of health insurance paid for by either myself or my employer. I have seen people including relatives contract a major illness that limits their ability to work. They lose their job, their family then loses access to healthcare and they lose access to treatment and the medical bills lead to bankruptcy which causes the providers to write off the debt which cause those costs to be rolled over in higher fees for others, which then causes insurance premiums to rise,You don't save money by denying access to health insurance. Medical costs are the number 1 cause of bankruptcy. The same could happen to someone who has a car accident. Are we to blame those for being irresponsible and label them as lazy? If you think you are immune to cancer, to heart disease, a drunk driver, to a child born with debilitating birth defects, or any number of issues that life can deal even the best prepared, you are living in one of Lyle's fantasy worlds. Just remember. " There, but for the Grace of God, go I.
Michael Phillips

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