General Discussion

girl gone mad

(20,634 posts)

31. They can both deny claims and impose caps.

Thu Jun 28, 2012, 06:56 PM

Jun 2012

Last edited Fri Jun 29, 2012, 01:05 AM - Edit history (1)

Strange that so many people who support this bill don't seem to have read it very thoroughly.

The ACA actually makes it easier for insurance companies to drop patients who get sick, deny claims, or refuse coverage for pre-existing conditions since the insurance companies will be allowed to cancel policies or refuse payment if the insured “made an intentional misrepresentation of material fact as prohibited by the policy” according to the fraud provisions.

Insurers can easily design their policies to in a way that makes it virtually impossible for customers to avoid committing what the insurers label fraud. In terms of the caps, the insurance companies will be allowed to pay for the least expensive treatment available, not the most appropriate according to your treating physician.

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It's official, folks - your for-profit health insurance company is now part of the government [View all] derby378 Jun 2012 OP

And 20 cents of every dollar goes not to your health care, but to them. The middlemen. nt Poll_Blind Jun 2012 #1

Don't worry! The Insurers are *only* guaranteed a 20% profit margin! That's not much... Romulox Jun 2012 #2

You are not stating that figure correctly.... Swede Atlanta Jun 2012 #78

My bad--the government now guarantees a 20% GROSS margin for insurers. Romulox Jun 2012 #79

And that'll change (read: go upwards) with the help of the GOP in Congress. Zalatix Jun 2012 #84

Exactly. Plus, each insurer must set its premiums competitively or get eaten alive in the Exchanges. Hoyt Jun 2012 #81

good, now our foot is in the door rurallib Jun 2012 #3

Right after we renegotiate NAFTA! nt Romulox Jun 2012 #4

whatever - it is still better than teabagger care rurallib Jun 2012 #9

Um, the plan was drafted by the Heritage Foundation and first implement by Mitt Romney... Romulox Jun 2012 #10

yes, we know, we know rurallib Jun 2012 #24

You fought for the Heritage Foundation's master plan and the Heritage Foundation won. Happy? Zalatix Jun 2012 #65

can you understand that it is a foot in the door rurallib Jun 2012 #66

I never once said that I oppose the entire ACA. Zalatix Jun 2012 #67

sorry - it was sure as hell implied by your response rurallib Jun 2012 #68

I don't see how that could be interpreted from my remarks but far stranger things have happened. Zalatix Jun 2012 #69

ok - my last post rurallib Jun 2012 #75

"I never once said that I oppose the entire ACA." dionysus Jun 2012 #71

Because I am vehemently dissing exactly and only one aspect of the ACA... Zalatix Jun 2012 #76

It is teabagger care. girl gone mad Jun 2012 #29

It's certainly thanks to the Teabaggers that we didn't get a public option. joshcryer Jun 2012 #37

And the DEM centrists who either agree with them, or were too frightened to fight them. Dr Fate Jun 2012 #89

+ 1. SomeGuyInEagan Jun 2012 #93

Exactly Harmony Blue Jun 2012 #14

Oh no, stay home, pointless voting now. Clearly we have lost to the corporations. joshcryer Jun 2012 #36

I don't view it this way Harmony Blue Jun 2012 #5

This is how I view it also GObamaGO Jun 2012 #7

Correct. nt hifiguy Jun 2012 #12

I agree. Once people see a benefit to government sufrommich Jun 2012 #16

The conversation of universal health care can start Harmony Blue Jun 2012 #21

Exactly. HappyMe Jun 2012 #83

I understand the anxiety about being mandated to assume another financial obligation HereSince1628 Jun 2012 #6

I see it as laws for insurance companies... cynatnite Jun 2012 #8

They can both deny claims and impose caps. girl gone mad Jun 2012 #31

"The devil is in the details". n/t PoliticAverse Jun 2012 #51

and, THIS IS HUGE!!! a kennedy Jun 2012 #91

And my beautiful daughter can stay on my healthcare for three more years DainBramaged Jun 2012 #11

That is wonderful Harmony Blue Jun 2012 #17

That's good, but that could have easily passed as a stand alone bill. girl gone mad Jun 2012 #32

Please, stop the NONSENSE ! This law was the best we could PASS. You really need to find reality. RBInMaine Jun 2012 #13

WRONG, you pay the tax to the government, not to a corporation GarroHorus Jun 2012 #15

It will start with the poor Harmony Blue Jun 2012 #18

Sorry, but no. Most western Democracies do not allow what we think of as insurance companies Egalitarian Thug Jun 2012 #63

I'm not so sure...is that really more than faith-based? HereSince1628 Jun 2012 #20

That would only be true if you get health care with the tax, you don't. Lionessa Jun 2012 #27

Not correct davekriss Jun 2012 #35

Yep, almost 50 million Americans covered by 2014. But who gives a fuck about them. joshcryer Jun 2012 #38

Okay, perhaps, I have indeed misunderstood something, then, Lionessa Jun 2012 #47

The Medicaid issue davekriss Jun 2012 #49

SCOTUS just said that states could refuse to expand Medicaid n/t eridani Jun 2012 #61

Regressive taxation seems an unlikely back door to single payer. girl gone mad Jun 2012 #60

I don"t like it and would have still pushed for the public option, instead of.. mvd Jun 2012 #19

if this means an insurance executive's son can get a lotus on his 16th b-day, i will do my patriotic datasuspect Jun 2012 #22

So if you don't get insurance and pay the government a tax penalty instead, are you saying ... ieoeja Jun 2012 #23

Slouching towards? Obama is making a mad dash to give them global corporatism/oligarchy. Lionessa Jun 2012 #25

You have tried to use this to get us to go against our own interests and opinions treestar Jun 2012 #26

Speaking of our own interests... derby378 Jun 2012 #28

You are wrong, they need to spend at leastr 80% on member healthcare pimpbot Jun 2012 #30

So how much would it cost if you had no insurance but then treestar Jun 2012 #33

Subsidies can be whittled away derby378 Jun 2012 #34

Just put your money in a Health Savings Account. joshcryer Jun 2012 #39

Wait, living paycheck to paycheck? In 2 years if you make under 14k you meet the 100% Medicare... joshcryer Jun 2012 #40

Nope, doesn't cover me derby378 Jun 2012 #41

Must not be in 133% poverty. joshcryer Jun 2012 #42

This message was self-deleted by its author derby378 Jun 2012 #77

They will use civil penalties, not criminal charges. AnotherMcIntosh Jun 2012 #52

Deeper and deeper, every day. woo me with science Jun 2012 #43

It's small step. Texasgal Jun 2012 #44

you are correct... this is a double-edged sword fascisthunter Jun 2012 #45

Bullshit. JoePhilly Jun 2012 #46

Why should anyone give a crap about the tax? $90.00 and it doesn't even have to be paid. lonestarnot Jun 2012 #48

It is a tax if you choose not to be covered. Otherwise it is just you using a useful product. morningfog Jun 2012 #50

if it were that simple, the U.S. would have universal health care CleanLucre Jun 2012 #56

It is that simple, and that is the way we could have universal health care. morningfog Jun 2012 #57

Understand and Disagree CleanLucre Jun 2012 #58

If Health Insurance premiums are 8% of your earnings, you're not liable for the 1-2.5% tax shcrane71 Jun 2012 #53

I make about $18K a year, and I don't even get health insurance derby378 Jun 2012 #85

If you make +400% of the poverty level, you'll receive subsidies to pay for healthcare. shcrane71 Jun 2012 #87

Good to know; thanks for sharing that derby378 Jun 2012 #88

Here's more information. It seems you'll be getting quite a bit of help paying for health insurance shcrane71 Jun 2012 #92

And because of that, they can no longer deny coverge for pre existing conditions. Warren DeMontague Jun 2012 #54

And your preference would be Jack Sprat Jun 2012 #55

No. The Midway Rebel Jun 2012 #59

Sorry, but I disagree. I would say: It's official, folks -- your for-profit health JDPriestly Jun 2012 #62

You poor poor delusional creature. kenny blankenship Jun 2012 #73

In California, we have an independently elected insurance commissioner. JDPriestly Jun 2012 #94

one man's ceiling is another man's floor spanone Jun 2012 #64

You going to respond to posts 15, 30 and 53 snooper2 Jun 2012 #70

And the countdown to Social Security Privatization has begun. kenny blankenship Jun 2012 #72

My son just enrolled in a not-for-profit... meaculpa2011 Jun 2012 #74

It's only fair. ithinkmyliverhurts Jun 2012 #80

It's a protection racket with the government as the enforcers. Tierra_y_Libertad Jun 2012 #82

bingo. why else would the SC support it? nt StarryNight Jun 2012 #90

Wrong on so many levels. The 'tax' which is only for those who refuse sinkingfeeling Jun 2012 #86