Twenty Things You May Not Know About ObamaCare

Monday, March 22, 2010 \PM\.\Mon\.

Now that ObamaCare has become law rather than just the fevered dream of leftie bloggers, it is time to begin discovering what is in it.  David Hogberg begins the process at Investor’s Business Daily.

1. You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).

5. You are an employer and you would like to offer coverage that doesn’t allow your employers’ slacker children to stay on the policy until age 26? Tough. (Section 2714).

6. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care.

You’re a single guy without children? Tough, your policy must cover pediatric services. You’re a woman who can’t have children? Tough, your policy must cover maternity services. You’re a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a “Bronze plan,” which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d) (1) (A))

8. You are an employer in the small-group insurance market and you’d like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A).

9. If you are a large employer (defined as at least 101 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).

10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can’t do that. (Section 9005 (i)).

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Health Insurance and Abortion

Friday, February 19, 2010 \PM\.\Fri\.

It seems often the case that a heated political debate causes people to suddenly focus on issues which had previously been essentially ignored. One recent example of this in Catholic circles has been the way in which the debate over the Stupak Amendment to the House health care reform bill suddenly focused scrutiny on the question of abortion coverage in health care insurance.

To recap briefly: From the beginning, one of the concerns that many pro-lifers had expressed about “government health care” was that it would result in government funding for abortion. As the various reform bills coalesced, it became clear that no “government health care” per se would be offered, but rather an exchange on which private health insurance plans which fit specific government-set criteria would be offered. Given this situation, pro-lifers (and in particular, pro-life Democrats, who clearly had the prime say here since Republicans were unlikely to support the bill either way since they saw its overall structure as detrimental to the common good) insisted that one of the stipulations for the private health insurance policies offered via the exchange (and qualified for government subsidy for lower and middle-income Americans) be that the plan not cover abortions.

Pro-choice Democrats of course hated this provision. Some progressive Catholics also seemed eager to explain why the bill would be just fine even without Stupak, doubtless in order to avoid a situation in which pro-life advocates (backed by the bishops) successfully made the case to conservative Democrats that supporting a bill without language similar to the Stupak amendment was unacceptable for Catholics and other pro-lifers. The primary argument that surfaced was, “Most private insurance policies already cover abortion, so even without Stupak’s language, the status quo does not change. More people just get health care, and that’s good, right?”
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Senator Nelson Sells Out Unborn, Health Care Bill Heads to Vote

Saturday, December 19, 2009 \PM\.\Sat\.

(Updates at the bottom of this article.)

Harry Reid was able to make huge concessions to the state of Nebraska and bought Senator Ben Nelson’s vote a la Mary Landrieu.  The vote seems headed to the floor with all 60 votes secured to impose on American’s draconian laws that would hike insurance rates and begin the downward slope towards European style socialism.

Nelson secured full federal funding for his state to expand Medicaid coverage to all individuals below 133 percent of the federal poverty level. Other states must pay a small portion of the additional cost. He won concessions for qualifying nonprofit insurers and for Medigap providers from a new insurance tax. He also was able to roll back cuts to health savings accounts.

What’s in the bill that I’m aware of?  I’ve broken down the Washington Post article almost verbatim below:

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RNC Covers Elective Abortions For Its Employees?

Thursday, November 12, 2009 \PM\.\Thu\.

Have you donated to the Republican National Committee lately?

The national committee dedicated to electing members of the GOP to federal and state offices across America has undoubtedly sent numerous letters and emails campaigning against “ObamaCare.” One common objection against “ObamaCare” is that it would open the doors to federally funded abortions. Despite this objection, according to Huffington Post and Politco, the Republican National Committee is currently practicing hypocrisy.

The Republican National Committee’s health insurance plan covers elective abortion – a procedure the party’s own platform calls “a fundamental assault on innocent human life.”

Federal Election Commission Records show the RNC purchases its insurance from Cigna. Two sales agents for the company said that the RNC’s policy covers elective abortion.

Informed of the coverage, RNC spokeswoman Gail Gitcho told POLITICO…”The current policy has been in effect since 1991, and we are taking steps to address the issue.”

According to several Cigna employees, the insurer offers its customers the opportunity to opt out of abortion coverage – and the RNC did not choose to opt out.

There is no indication that any RNC employee has used the abortion coverage, but Planned Parenthood President Cecile Richards said it’s “no surprise” that the RNC is offering it.

I am terribly disappointed, but hardly surprised. I’m pleased (and thankful) that many Republicans that have been made aware of this scandal are stating that it should be changed. Though, one would have preferred that in the so-called “pro-life” party such a travesty would have never occured.


Church and Health Care

Sunday, October 25, 2009 \PM\.\Sun\.

I have been on the sidelines in the huge health care debate, I find so many good and bad effects in all the proposals I have seen up to now. The first thing to note is that I am swamped by health care bills- one-third of my gross income goes straight to United Health, and then add in co-pays, and some recent Mayo Clinic extra’s, and you get the idea- “Help!”.  I can see how many good people with fulltime jobs and HMO health insurance coverage, are still at risk of bankruptcy if they or their kids get struck down with anything approaching serious or chronic medically.

The problem is compounded by the very real situation of how almost all of us are in some or a lot of danger when it comes to being laid-off from that full-time work- and many Catholics like myself- have wives that are home by choice to better nurture our kids. Ugh! Lose your job, lose your insurance or pay for COBRA which you can’t afford because you don’t have a job- Double Ugh!

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