RavenHawk, on 21 June 2012 - 07:14 PM, said:
Obamacare is a surrogate over the insurers. The private insurers are no longer independent.
Insurers have never been “independent” of the law. The ACA simply cracks down on some of the more unsavory practices that the incentives of the current dysfunctional individual market promote. Being subject to laws doesn’t make folks in the insurance business government employees. That’s an absurd statement.
Quote
It does not simply put some restrictions. It is total government take over. Total control over insurer, employer, and individual.
I think I’ve mentioned this already but I’m not impressed by meaningless rhetoric. I’ll assume you’re aiming this at someone more impressionable.
Quote
To expand coverage and to protect consumers does not require a 2700 page document filled with expensive, government expanding legislation.
As you noticed (and yet, inexplicably, rejected), the actual final legislation is about 900 pages long. But it isn’t 900 pages of consumer protections. It’s comprehensive health reform, covering the waterfront.
There are nine major sections of the legislation:
- Private insurance market reforms, consumer protections, etc. Pretty much everything you’ve focused on thus far.
- Medicaid reform.
- Medicare reform.
- Promoting prevention of chronic diseases and bolstering the nation’s public health infrastructure.
- Bolstering the health care workforce
- New program integrity (i.e. anti-fraud) provisions relating to Medicare and Medicaid.
- Reforms aimed at certain FDA approval processes.
- Voluntary long-term care insurance (Ted Kennedy’s ill-fated pet project)
- The pay-fors for the legislation.
The first section is not the entirety of the 900 pages of legislation, even if it gets 95% of the attention.
Quote
In essence, that is exactly what is happening. Obamacare *IS* the public option. Doctors drop Medicare/Medicaid because either doctors don't get reimbursed within a reasonable time and/or doctors only get paid what the program thinks they should get paid, not the amount requested because averages are followed. With Obamacare, you'll see the same thing but with insurers. You'll see many insurers get out of the business.
Insurers still decide what they’re going to reimburse health care providers under the ACA. Or rather, health care providers still decide what insurers are going to reimburse them. That’s actually an area where something
should be changed but isn’t by the ACA.
Quote
Sorry, I don't trust you. This may be a draft of the window dressing but it is not all of the legislation. Like the portion where the individual pays the piper.
That’s the entirety of the ACA. You’ve simply been reading the wrong legislation the entire time. I can only help you to help yourself; if you're not interested in doing that, there's nothing I can do about it.
Quote
OMG! What a convoluted crime against the American people. I was wondering if the underlings were busy? And they were. The propaganda masters are at work. The HillaryCare fiasco comes rushing back to mind. Do you really think that the average American is going to spend the time to understand all of this? . . . Why even have a website? One could die from a pre-existing condition before reading everything, let alone understand it.
If the average American wants a quick overview of the pieces directly relevant to them, that's available to them:
healthreform.gov: Key Features of the Law
They certainly don't need to "read everything, let alone understand it" to get insurance coverage. That's the beauty of the exchange--it'll have a very streamlined, user friendly interface that makes it very easy to understand what's available to you.
Quote
I keep seeing this phrase "Amendment to the Interim Final Regulations" throughout this site. This confirms not everything is written, especially on governance. You can't have this kind of crap without someone who is responsible, like a commissioner.
Again, there is no commissioner. The concept you're referring stems from version of the legislation in which a single national health insurance exchange was being proposed. That, of course, is not what became law. In the ACA, the exchanges are designed, built, and managed at the state level, meaning responsibility for governance of your exchange rests with your state and not the feds (unless the state doesn't want the responsibility). Similarly, as I've already pointed out, responsibiity for determining essential health benefits is also left to the states.
The federal government is providing only high-level guidance via a division of the existing Centers for Medicare & Medicaid Services. But you're correct that not all of the guidance is written.
Quote
Yes, there is a Commissioner. It is called for in sections 141-144 of the Reconciliation Bill.
Look, I don't know what you're reading and I don't particularly care at this point. But you should know that there is no Section 141 of the reconciliation bill (
P.L. 148-151) or any section below "1001", nor does the word "commissioner" appear anywhere in that piece of legislation. Not once. Whatever it is you're reading, you're reading the wrong thing.
Quote
The bill was passed with the terms "basic", "enhanced", "premium", and "premium-plus".
No, it wasn't. You're referring to language in defunct House legislation that never became law. The "basic/enhanced/premium/premium-plus" language from H.R. 3200/3962 legislation is not law and it's not equivalent to what's in the ACA. You're reading and reacting to the wrong legislation. How many times does this need to be told to you before it sinks in?
Quote
It doesn't matter what they are called. If the EHBs are identical, then why the tier approach? Everyone should just have the same basic coverage and if you need something extra, then go from there.
That’s exactly how it works here. The tier essentially refers to the ratio of premiums to cost-sharing/out-of-pocket expenses you’re willing to pay for. The basic slate of benefits is equivalent across plan types (although you can buy additional benefits in any tier) and available to anyone who wants to buy a plan, what varies is how expenses are distributed.