Monday, January 16, 2017

Gleaning Facebook: Are You Paying Attention? (The ACA)

This post about the ACA got lots of comments:

If we can share the costs of roads, we can share the costs of health care.

Are you paying attention?
This is all true:
If you're thinking that repeal of the Affordable Care Act (AKA Obamcare) doesn't affect you or maybe that it will be better to just start over from scratch, you might want to think about what you--yes, you!--have to lose.
Just a reminder that even if you are "safely" ensconced behind employer-provided insurance, the protections set forth in the ACA apply to you, too--and if those protections are repealed along with the rest (or any part) of the program, you will also be affected.
That means you may be trapped in a job, because your pre-existing condition may mean you will not qualify for new insurance offered by another employer, and the cost of private insurance would be prohibitive. If your employer shuts down, lays you off, or even changes insurers, well, you are out of luck. (The Senate GOP voted this week that they would not require an eventual ACA replacement to protect against discrimination for pre-existing conditions, which was the standard before the ACA.)
It means that you (a young adult under the age of 26) or your adult children (over 18) may find yourselves without the protection of insurance, as the Senate GOP voted the other night that an eventual ACA replacement will not be required to allow young people to remain on their parents' insurance up to the age of 26.
It means that if you have a high-risk pregnancy, or life-threatening illness such as cancer, you may not be able to afford all the care you need, because you may hit lifetime or annual caps. If you have an infant born with any kind of severe medical condition, or premature, they may hit their lifetime insurance cap before they are old enough to walk. The Senate GOP voted last night that an eventual ACA replacement program would not be required to prohibit lifetime insurance caps.
It means that if you are a struggling parent who is un- or underinsured, you will no longer be able to count on at least your kids getting the routine medical and dental care they need under the Children's Health Insurance Plan (CHIP). The Senate GOP voted that CHIP is not required to be protected by an eventual ACA replacement.
These provisions of the ACA affect everyone in this country, not just those without insurance through their employers.
If you are not okay with these changes, call your representatives and let them know what's important to you. Nothing has been set in stone yet, but our legislators have shown us a map of what they plan to do if constituents don't make their voices heard loud and clear.
If you want to share this, rather than clicking "share" (which will only make it visible to people we are both Facebook friends with), you are better off copying and pasting the text.



Andi Rouse Beyer
Sorry, we agree on a lot of things but Obamacare/ACA is not one of them.

Terrell Shaw
Sorry to hear that Andi. The ACA is far short of perfection, but it has saved many lives, provided people that I know with healthcare coverage for the first time, and slowed the increasing costs of insurance. Without the extension of Medicaid and a strong enough mandate left some folks with terrible increases, those things need to be fixed.
When it comes to healthcare I am a full-on "socialist", I s'pose, despite my entrepreneurial enthusiasm! I want full national health insurance with health-protection costs shared by We the People just like our military protection costs, police-protection costs, meat-inspection costs, environmental-protection costs, etc.

Dan Ledford
andi why are you against aca give me one good reason that you can prove yourself not just what the right has said? if it said bushcare romenycare regancare would it then be ok ? one last thing alot of folks forget thtis was originally thought up by a famous Republican a Governor of of the state of ma mitt romey and by the way its still in effect in ma to this very day so again what don't you like about the ACA aka obamacare give me a real good reason Remember the real name is affordable care act?

Sam Burnham
I wish it would mean that I could go back to the days when my deductibles weren't so high that I didn't have to pay my premiums AND ALL of my medical bills.

Paula Graves
That isn't Obama's fault. That is the insurance company.

Sam Burnham
Paula Ledbetter Graves nope. Didn't have that problem before Obamacare

Paula Graves
It doesn't matter. Obama doesn't set the prices. That is the insurance company. I've had insurance since the early 1990's and every single year my premiums have increased. Some companies offer plans with higher premiums with lower copays/deductibles or lower premiums with higher copays/deductibles. When the protections that we have from the ACA are repealed, we will all see our premiums go up. Insurance companies in the past were allowed to sell crappy plans with little coverage for an arm and a leg. The ACA did away with that because it established minimum coverages.

Sam Burnham
Oh, yes, I forgot. Nothing has ever been his fault. Even the market reactions to his failed policies. My mistake.

Paula Graves
The ACA is not perfect by any means. I do know people personally who've never had insurance or can afford to take their meds now. I believe that placing blame where it belongs and the pricing stuff isn't Obama's fault. I've never blamed a president for my health insurance rates increasing. It's the for-profit companies that are doing it.
If Trump DOES repeal the ACA and the protections it provides in relation to pre-existing conditions, I will blame him and Congress for that. The cash price for my monthly meds is about $800 and there is no way I can afford that on my own if I was to lose my insurance.
Congress and Trump are so hyped up on "repeal and replace" that they aren't using common sense. Keep the parts that are working and work on improving those that aren't.

Sam Burnham
I'd say that while we are waiting on the details of the replacement it would be reasonable to be patient. Perhaps people will actually read this bill rather than just shoving it through in the dark of night.

Paula Graves
Well that didn't exactly happen either (the dark of night bill passing). Here is the track it took to become a law. I think there were 36 roll call votes taken as well as numerous changes made due to comments from both sides of the aisle, etc. If people didn't read it from 9/17/2009 to when it was signed on 3/23/2010, then they are just making excuses. Everyone was given ample time to read and make comments.
https://www.congress.gov/.../house-bill/3590/all-actions...

Paula Graves
I'm not going to be patient and wait to see what happens. NOW is the time to scream and jump and down to make sure that we are heard. This affects all of us, like Terrell said, so complacency is not an option.

Sam Burnham
Well, I'll hold my jumping up and down for the unlikely event that they don't repeal it.

Paula Graves
It's going to be interesting few months that's for sure. LOL

Terrell Shaw
I could do with a little boredom instead.... 
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Joan Ledbetter
I am currently on OC or the ACA; I have a prexisting condition and have used a lot of health insurance in the past (cancer at age 32). We need universal health care. I cannot get insurance otherwise (am an adjunct professor - do not have full-time status) and have likely reached a lifetime cap. Another fact that few people realize: Students can now attend college full-time instead of having to work full-time to get health insurance (until age 26). This helps more young people to get a degree. The ACA needs improvements but we need to keep it (and make it better).

Anne Edwards Langley
Many people think Obamacare and ACA are two different things which is really sad.

Dan Ledford
Annie you are so right by law it does not say obamacare the Republicans starty that so folks would think hey black guy create this it must be bad and alot of folks fell right in line just like the koo aid drinks they are no minds of there own just being lead around like sheep the true name is the affordable care act it never says Obamacare anywhere and you could show the folks in writing wht it say but because the right does not like it cause it does not fit with the folks who line there pockets they are against even if its good they sell there country out for money that's treason they should arrested and tried and lock up

CeCe Baker
The Talking Red Yam and his constituents, and moron voters/supporters, are going to ruin the country for EVERYONE - including themselves.

Juretha Mc Millian
Thank you for speaking for those that can not speak!

Gary Greene
I need the Donut Hole GONE from my medicare $5000 a Year for Insulin. 
Hopefully I can come up with $1100 (which I still don't have) I can reapply with Eli-Lilly maybe I can get help..

Jim Geist
Take what you like, leave the rest....keep the good stuff, make amendments to make it better.....the GOP is so committed to party over what is best for the people, they have become the enemy of the working people....too bad so many vote against their own self interest.

Paula Graves
I tried to have a conversation with my dad and mother in law about this. Both are on Medicare and Tricare. I asked them what are they going to do when Medicare is done away with and they have to get a policy on the market? Then because of pre-existing conditions, they can't get a policy. What if Tricare decides that they don't want to insure old people any longer? My dad is currently on chemo, on dialysis, is diabetic, and this year struggled with heart issues, so I worry about him. His response to me was "Well at least the lying b**** isn't in office!" At what point do I say, "you'll reap what you've sown?" Is it when he no longer has insurance? When he dies because he can't afford 3x week dialysis and chemo? When he's financially ruined? I'm going to keep fighting for me and my family and him as well even if he doesn't appreciate it now. How can anyone look at what's happening right now and not be scared?

Gary Greene
Trump is going to give us all health care? But no idea how but he is going to do it trust.him?

David Matheny
"Death Panels" were screamed about, starting with Sarah Palin. Yep. The Death Panels are meeting in the U.S. House and Senate right NOW.

Paula Graves
Republicans have had 6 years to come up with a replacement. Every session they complain about it and talk about replacing it. Now Trump has said he wants to repeal and replace simultaneously right after he's sworn in. It's going to be interesting to see how this pans out

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