Health Care Reform and AARP

Health Care Reform and AARP

Posted in the Williamson Forum

Ridge Runner

Charleston, WV

#1 Sep 6, 2012
There is a readable article in the September, 2012 issue of the AARP Bulletin about the effects of healthcare in the US. Its simply written and most people will understand what it says. You may want to learn a little more about the reform before you decide on who to vote for in the Presidential election. The only surprise to me was the lenght of time its going to take the Part D (Prescription Drugs) "donut hole" to be eliminated completely by 2020.
wvsky

Charlottesville, VA

#2 Sep 6, 2012
Ridge Runner wrote:
There is a readable article in the September, 2012 issue of the AARP Bulletin about the effects of healthcare in the US. Its simply written and most people will understand what it says. You may want to learn a little more about the reform before you decide on who to vote for in the Presidential election. The only surprise to me was the lenght of time its going to take the Part D (Prescription Drugs) "donut hole" to be eliminated completely by 2020.


Okay Ridge Runner, I'll take you up on this one. In the first place you have to know that AARP could care less about the elderly. All they care about is profit. Now, before you say "how do you know this", if there is one company I know it is AARP. I belong to them but only because I have to, due to the fact that I work for them. AARP at one time was good for seniors, but now they are a left wing liberal group that serve the left's agenda. AARP's agenda right now is to scare seniors. Thank God many of them are waking up to the fact that AARP is an insurance company, nothing more. So please don't tell me that I should make a decision about who to vote for before I read an AARP article. They don't care about you, take if from someone who knows, I live it everyday.
Real Rick Starr

Murfreesboro, TN

#3 Sep 6, 2012
I'm scared that Rmoney will win to. I'll no longer be able to see my shrink and someone will probably die.
Ridge Runner

Charleston, WV

#4 Sep 6, 2012
What I said was that people may want to learn a little more about health care reform before they vote. The article is consistent with other articles I have read and what knowledge I have about the health care act but is in an easily readable form.

If you work for AARP, you should be more familiar with their agenda than most people but reading the article didn't scare me one way or another. You've given me food for thought and I will keep in mind what you've said when I do read about AARP but I'm not yet convinced its a left-wing liberal organization you claim it to be.
wvsky

Charlottesville, VA

#5 Sep 6, 2012
Ridge Runner wrote:
What I said was that people may want to learn a little more about health care reform before they vote. The article is consistent with other articles I have read and what knowledge I have about the health care act but is in an easily readable form.
If you work for AARP, you should be more familiar with their agenda than most people but reading the article didn't scare me one way or another. You've given me food for thought and I will keep in mind what you've said when I do read about AARP but I'm not yet convinced its a left-wing liberal organization you claim it to be.
You are always stressing that people should do their research. Let me suggest that you do much research in this area. Didn't mean to come across in such a harsh manner. A lesson learned, never post when your blood is boiling. Sorry.
Ridge Runner

Charleston, WV

#6 Sep 6, 2012
There's nothing for me to research, WVSKY. You made the accusation that the AARP is a "left wing liberal group" so the burden of proof is on you. And if you feel this way about the AARP, why are you still working for them? Is it because of a lack of other employment opportunities?

For all anyone knows, you simply could be a disgruntled employee.

And unless you're clairvoyent, then you don't know my state of mind when I replied and I can assure you this is not something that would cause my blood to boil. But, making inaccurate statements doesn't cause me to have a lot of faith in anything else you might have to say.
response

Elkview, WV

#7 Sep 6, 2012
Even though AARP is an insurance group, I feel they have their thumb on social issues affecting the retired people. I do not believe they would publish an article without facts. AARP is a very large organization.
I also worked for an insurance co. and can understand why an employee would be disgruntled as its not an easy position. Advasaries on both sides and you must walk a fine line between. Keep everybody happy.
wvsky

Charlottesville, VA

#8 Sep 7, 2012
Ridge Runner wrote:
There's nothing for me to research, WVSKY. You made the accusation that the AARP is a "left wing liberal group" so the burden of proof is on you. And if you feel this way about the AARP, why are you still working for them? Is it because of a lack of other employment opportunities?
For all anyone knows, you simply could be a disgruntled employee.
And unless you're clairvoyent, then you don't know my state of mind when I replied and I can assure you this is not something that would cause my blood to boil. But, making inaccurate statements doesn't cause me to have a lot of faith in anything else you might have to say.
Point taken...enough said, except for this. Were you hall monitor when you were in grammar school?
Vote Romney

Prestonsburg, KY

#9 Sep 7, 2012
Yes, please do your reseach on healthcare reform. When Obamacare is fully implemented, I believe there will be more unemployment, loss of jobs, businesses not hiring or expanding; cost of premiums, deductibles and copayments will rise. Obamacare will be nothing more than another entitlement program funded by you the taxpayer through another tax.

In a survey, the majority of employers planned to respond to ObamaCare by passing more health care costs onto employees, the survey revealed. Sixty-nine percent of employers said they planned to increase cost-sharing, such as deductibles and co-pays, in the next three to five years, while 68 percent said they planned to increase employee health insurance premiums.
truth

Gilbert, WV

#10 Sep 15, 2012
neither one is any good
Bluejay

Charleston, WV

#11 Sep 15, 2012
Vote Romney wrote:
Yes, please do your reseach on healthcare reform. When Obamacare is fully implemented, I believe there will be more unemployment, loss of jobs, businesses not hiring or expanding; cost of premiums, deductibles and copayments will rise. Obamacare will be nothing more than another entitlement program funded by you the taxpayer through another tax.
In a survey, the majority of employers planned to respond to ObamaCare by passing more health care costs onto employees, the survey revealed. Sixty-nine percent of employers said they planned to increase cost-sharing, such as deductibles and co-pays, in the next three to five years, while 68 percent said they planned to increase employee health insurance premiums.
You're blaming health care reform for conditions that have already been happening for many years. Our country is already suffering from unemployment and rising health care costs as I'm sure you've noticed and read about so I don't think its reasonable to think Obamacare is going to create problems. Those problems already exists.

How much longer do you think we should ignore the problem that thousands of people are without affordable health care coverage? Unless we begin to take steps to correct this widespread problem now, its only going to get worse and reform will cost even more in the future.

Vote Romney

Prestonsburg, KY

#12 Sep 15, 2012
Bluejay wrote:
<quoted text>
You're blaming health care reform for conditions that have already been happening for many years. Our country is already suffering from unemployment and rising health care costs as I'm sure you've noticed and read about so I don't think its reasonable to think Obamacare is going to create problems. Those problems already exists.
How much longer do you think we should ignore the problem that thousands of people are without affordable health care coverage? Unless we begin to take steps to correct this widespread problem now, its only going to get worse and reform will cost even more in the future.
It will not only get worse, it will escalate! Already companies say they will stop providing healthcare for retirees. I used to be a member of AARP, but I stopped as soon as I read how they supported healthcare reform. Now, all I receive from them is insurance information and them wanting me to take out their insurance. They care NOTHING about the elderly and are only concerned about profits through their insurance. Just because you hear the words "healthcare for everyone" does not mean everyone will have healthcare. There will be deductibles and co-payments to providers that will need met. Many people will not be able to afford to buy insurance and, therefore, will be taxed. These taxes will only fund Medicaid. Most people would already have insurance if they could afford it. It will NOT solve the problem of people not having healthcare. There is one part of the reform that is good and that is the part where insurance companies cannot turn a person down due to pre-existing conditions. Medicaid is going to be expanded, probably with the taxes from the working-poor who cannot afford to buy insurance yet income is too high to qualify for Medicaid.
Bluejay

Charleston, WV

#13 Sep 16, 2012
Yes, if we sit around on our hind ends and do nothing, it will escalate and get worse and in the end cost even more to correct the problems. In case you haven't noticed, medical premiums have been dramatically increasing for many years with some employers alreading modifying their plans to pass on more of its costs to employees. No one has said healthcare will be free or that deducdtibles and copayment will go away for they won't. What the reform bill does is make it affordable for all Americans to have access to health care. It doesn't appear you and I will ever see eye-to-eye on this but I think I can safely say that some sort of health care reform will happen in our country sooner or late. Its needed and its inevitable simply because we can not sustain the health care delivery system as it exists for much longer.
Vote Romney

Prestonsburg, KY

#14 Sep 16, 2012
Bluejay wrote:
Yes, if we sit around on our hind ends and do nothing, it will escalate and get worse and in the end cost even more to correct the problems. In case you haven't noticed, medical premiums have been dramatically increasing for many years with some employers alreading modifying their plans to pass on more of its costs to employees. No one has said healthcare will be free or that deducdtibles and copayment will go away for they won't. What the reform bill does is make it affordable for all Americans to have access to health care. It doesn't appear you and I will ever see eye-to-eye on this but I think I can safely say that some sort of health care reform will happen in our country sooner or late. Its needed and its inevitable simply because we can not sustain the health care delivery system as it exists for much longer.
Even if insurance rates remain the same as of today and do not rise, many, and I mean many, people will not be able to afford it. With the rising cost of food and gas, people will opt to eat and drive before purchasing medical insurance, even if they have to pay the fine. I just don't see "affordable" medical insurance. It would be nice, though. However, even if it was affordable people will opt to pay the fine rather than purchase it. In addition, many people, such as those that don't file a tax return and whose income is above the threshold for Medicaid, will not be affected by healthcare reform thereby not having to pay the fine. So, what are these people going to do? Yes, it is inevitable that some form of healthcare reform will happen sooner or later. In my opinion, there should be some kind of medical malpractice reform which could possibly reduce provider costs thereby reducing our insurance rates.
Bluejay

Charleston, WV

#15 Sep 16, 2012
You won't hear any disagreement from me that some form of medical malpractice reform needs to take place and its up to us as citizens and voters to insist that our legislators take some action.

As a 30-year employee of a health care insurance plan, let me try to explain why the premiums will become affordable and its very simple. The more people enrolled in a insurance plan, the less the premiums will cost. That's why current insurance plans are so burdensome for small employers. For example, if you have 1,000 people enrolled in your medical plan, the monthly cost of premiums may be $200 a month. But, if you have 2,000 people enrolled in the plan, the premiums will decrease because the risk of providing the insurance is spread amoung more people. Health care reform will add thousands of people to an insurance plans thereby driving the premium cost down. Those who don't enroll will face the fine you mention.

You also mentioned the loss of employment. Adding thousands of people to the insurance rolls will create more jobs in both the insurance industry and health care industries because of the significant increase in the number of customers.

1 post removed
MandM72

Fredericksburg, VA

#17 Sep 17, 2012
Bluejay wrote:
You won't hear any disagreement from me that some form of medical malpractice reform needs to take place and its up to us as citizens and voters to insist that our legislators take some action.
As a 30-year employee of a health care insurance plan, let me try to explain why the premiums will become affordable and its very simple. The more people enrolled in a insurance plan, the less the premiums will cost. That's why current insurance plans are so burdensome for small employers. For example, if you have 1,000 people enrolled in your medical plan, the monthly cost of premiums may be $200 a month. But, if you have 2,000 people enrolled in the plan, the premiums will decrease because the risk of providing the insurance is spread amoung more people. Health care reform will add thousands of people to an insurance plans thereby driving the premium cost down. Those who don't enroll will face the fine you mention.
You also mentioned the loss of employment. Adding thousands of people to the insurance rolls will create more jobs in both the insurance industry and health care industries because of the significant increase in the number of customers.
I am so glad to read a discussion on this forum that did not result in childish name calling and rude behavior. I worked for several years in a hospital serving as the go-between hospital and insurance companies as an UR nurse. I witnessed first-hand honest hardworking people whose companies did not offer insurance go bankrupt, lose their house, lifesavings, etc because of a sudden illness. This were truck drivers, waitress, etc who through no fault of their own would lose everything. As the system was, this small community hospital had no choice to seek payment or it would have not survived. A large percentage of bankruptcies can be attributed to hospital bills. We all suffer whenther directly or indirectly when someone goes bankrupt in your community. I will admit I don't have all the answers but, what I do know is that something needs to change an soon. The afforable healthcare act although not perfect is in my opinion a start.
Bluejay

Charleston, WV

#18 Sep 18, 2012
MandM72 wrote:
<quoted text>
I am so glad to read a discussion on this forum that did not result in childish name calling and rude behavior. I worked for several years in a hospital serving as the go-between hospital and insurance companies as an UR nurse. I witnessed first-hand honest hardworking people whose companies did not offer insurance go bankrupt, lose their house, lifesavings, etc because of a sudden illness. This were truck drivers, waitress, etc who through no fault of their own would lose everything. As the system was, this small community hospital had no choice to seek payment or it would have not survived. A large percentage of bankruptcies can be attributed to hospital bills. We all suffer whenther directly or indirectly when someone goes bankrupt in your community. I will admit I don't have all the answers but, what I do know is that something needs to change an soon. The afforable healthcare act although not perfect is in my opinion a start.
Then you of many people know the importance of everyone having some type of medical insurance. God only knows the number of people who go without medical care or prescripiton drugs because its cost prohibitive they lack insurance.
MandM72

Fredericksburg, VA

#19 Sep 19, 2012
Bluejay wrote:
<quoted text>
Then you of many people know the importance of everyone having some type of medical insurance. God only knows the number of people who go without medical care or prescripiton drugs because its cost prohibitive they lack insurance.
Absolutely. I just cannot understand why some cannot see the big picture. At some point any anyone's life they or someone they love will be ill. Not if, but when that happens, if you have insurance your charges are somewhat inflated to offset the cost of someone who did not have insurance. Sad but true. Why do you think an asprin is $5. My experience is not so the hospital could give huge bonuses, although my understanding is that some do, but so they could make payroll or pay for that $5 million dollar scanner. Insurance companies, while increasing our copays and deductibles are decreasing their reimbursement rates, especially medicare and medicaid. again, I can only speak from my experience. Something has to change. Everyone of us should demand that healthcare is not only a need but our right.
Bluejay

Charleston, WV

#20 Sep 25, 2012
I agree that affordable healthcare should be a right for all Americans. What kind of society are we if we continue to have a healthcare system that locks out hundreds of thousands of people?

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