What is Romney's plan for pre-existing conditions? - Page 5 - TigerDroppings.com

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Toula
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504
Member since Dec 2006
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re: What is Romney's plan for pre-existing conditions?


Mitt's comment on the decrease in Medicaid/Medicare reimbursement will force providers to refuse to care for that population was spot on.

It's already happening in the high cost service lines.






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DEANintheYAY
USA Fan
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Member since Jan 2008
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re: What is Romney's plan for pre-existing conditions?


quote:

remove government from health care by slashing medicaid and medicare

remove government from health care further by removing the incentive for employers to provide health insurance

push health savings accounts and high deductible plans that are affordable and make people pay for minor care, while being insured for major medical disasters.

individuals will have to pay for their health care, which will incentivize avoiding wasteful treatment AND healthier lives


So what would your plan do with those that can't afford insurance?

And preventative care reduces cost by catching cancer early or by dealing with issues before they become a problem.

How often do you get bloodwork done? or get a check up? or get a prostate exam if you are older than 50 (which I don't think you are, but you get my point).






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SlowFlowPro
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re: What is Romney's plan for pre-existing conditions?


quote:

So what would your plan do with those that can't afford insurance?

buy a higher deductible plan

i pay $108/month for awesome coverage, with a $2500 (i think) annual deductible. my cell phone costs the same, and that's like 2 nights of going out. eating out a month costs probably double that. my disability insurance is at $105/month.

quote:

And preventative care reduces cost by catching cancer early or by dealing with issues before they become a problem.

and the current scheme (i mean pre-Obamacare) TELLS YOU PREVENTATIVE CARE DOESN'T MATTER

you're in no different spot with or without preventative care, b/c insurance/government will pay for your problems regardless. why would a large population start to care about preventative care when it makes no difference to them?







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Scruffy
USA Fan
Member since Jul 2011
30760 posts

re: What is Romney's plan for pre-existing conditions?


I think we need a stickied thread that lists the details of both their plans for everything.

I can't make it since I'm at work or studying most of the time. Someone needs to take the initiative.






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ottothewise
LSU Fan
Member since Sep 2008
32094 posts

re: What is Romney's plan for pre-existing conditions?


quote:

Why should it be ok for Insurance to be forced to accept pre-existing conditions without giving them a reasonable chance to pay for it. There is a roll here for the Government and they botched it during the healthcare debate. Those with pre-existing conditions should be given an option to buy from a federally subsided exchange or private insurance. Insurance Companies should be allowed to sell policies that exclude the pre-existing condition. Allow them to buy a supplemental policy from the exchange.



you actually addressed the matter Trola.


You just eliminated yourself as a contender for the presidency.

FWIW, the Dems answer is that insurance companies are making big money and can afford to be forced to be gracious to the least amongst us. We now have law in place that caps their profit at 15% or so. We customers now get a refund of all profit over that 15%. Some posters have received a refund.









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Duke
USA Fan
Gonzales, La
Member since Jan 2008
19222 posts

re: What is Romney's plan for pre-existing conditions?


quote:


the problem with our medical system is people don't appreciate the cost of it, b/c they're removed from the price


He speaks the truth.

quote:


remove government from health care by slashing medicaid and medicare


Easier said than done. The elderly would have huge premiums on fixed incomes. I appreciate the idea that prices would eventually fall, but end of life care is still going to be supremely expensive relative to your average healthcare consumer.

We do need to rethink how we approach end of life care though. Do you really need a $100,000 procedure to give you six more months?

quote:


remove government from health care further by removing the incentive for employers to provide health insurance


In complete agreement here.

quote:


push health savings accounts and high deductible plans that are affordable and make people pay for minor care, while being insured for major medical disasters.


Spot on.

quote:


individuals will have to pay for their health care, which will incentivize avoiding wasteful treatment AND healthier lives


Will they "have" to though? I doubt we as a society are ever going to be ok with refusing care to someone who is dying. I agree 100% in theory here, but am worried about the same free rider problem we have now with ERs.






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DEANintheYAY
USA Fan
LEFT COAST
Member since Jan 2008
31029 posts

re: What is Romney's plan for pre-existing conditions?


quote:

you're in no different spot with or without preventative care, b/c insurance/government will pay for your problems regardless. why would a large population start to care about preventative care when it makes no difference to them?



And that is why costs are spiraling out of control. Well that and all the fat fricks we have in this country.






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SOUTHFLATIGER
LSU Fan
South Florida
Member since Dec 2003
339 posts

re: What is Romney's plan for pre-existing conditions?


quote:

So what would your plan do with those that can't afford insurance?


I know I'm generalizing, but how many of those who can't afford insurance can afford to smoke, to drink, to have a cell phone, to have cable, to have a big screen TV? Again, personal responsibility also means prioritizing. For those who can't work or really need the help, have a safety net. Even better, what about charity / church hospitals?






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SlowFlowPro
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re: What is Romney's plan for pre-existing conditions?


quote:

Easier said than done

social security and medicare will have to be slowly dissolved. we obviously can't just pull the plug

quote:

We do need to rethink how we approach end of life care though. Do you really need a $100,000 procedure to give you six more months?

yes. my grandmother had late-term alzheimer's and smoked her entire life and was over 90. she had open heart surgery due to CHF and it gave her like, 6 months. i'm sure the total cost was easily 6-figures






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Alabama Slim
Alabama Fan
2009,2011 BCS National Champions
Member since Jul 2007
9452 posts

re: What is Romney's plan for pre-existing conditions?


quote:

Why should pre-existing conditions even be covered? If you get into a car wreck without insurance, you can't just buy car insurance the next day and expect them to cover it. Why should an insurance company be liable for something that happened while you were not insured?


so what if you're insured and dropped after a car accident. and then can't get re-insured because of the accident?

there's a lot of misunderstanding of what pre-existing conditions are in this thread.



This post was edited on 10/4 at 12:59 pm


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SlowFlowPro
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re: What is Romney's plan for pre-existing conditions?


quote:

And that is why costs are spiraling out of control.

did you miss what i said?

they're spiraling out of control because we ALREADY create incentives in the PRE-OBAMA plan for people NOT to use preventative care

how will MORE COVERAGE make the problem BETTER?






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DEANintheYAY
USA Fan
LEFT COAST
Member since Jan 2008
31029 posts

re: What is Romney's plan for pre-existing conditions?


quote:

yes. my grandmother had late-term alzheimer's and smoked her entire life and was over 90. she had open heart surgery due to CHF and it gave her like, 6 months. i'm sure the total cost was easily 6-figures



So you are okay with spending $100k for 6 months of life?






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Decatur
New Orleans Saints Fan
Member since Mar 2007
17594 posts

re: What is Romney's plan for pre-existing conditions?


quote:

I think we need a stickied thread that lists the details of both their plans for everything.


Obama's Plan

Good luck find details for Romney's "plan"






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SlowFlowPro
Stanford Fan
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Member since Jan 2004
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re: What is Romney's plan for pre-existing conditions?


quote:

So you are okay with spending $100k for 6 months of life?

no

i'm not

that was the entire point






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Decatur
New Orleans Saints Fan
Member since Mar 2007
17594 posts

re: What is Romney's plan for pre-existing conditions?


I think the question will boil down to how many people will lose out for having a pre-existing condition when Romney tries to dismantle the Affordable Care Act.





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Toula
Kentucky Fan
504
Member since Dec 2006
27870 posts

re: What is Romney's plan for pre-existing conditions?


quote:

they're spiraling out of control because we ALREADY create incentives in the PRE-OBAMA plan for people NOT to use preventative care



not necessarily, especially in Medicare Advantage.

Romney hinted at this but didn't dive into the topic like I hoped.

This is a capitated population, i.e. receive 1 payment to manage the care for the entire year.

This is a huge motivator for population mgmt and preventative health--and it works!






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TROLA
LSU Fan
BATON ROUGE
Member since Apr 2004
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re: What is Romney's plan for pre-existing conditions?


quote:

So what would your plan do with those that can't afford insurance?


People on the whole need to prioritize spending better. We all shouldnt be responsible for those that refuse responsibility. If you dont get insurance and you go to the emergency room, guess what, you pay for it. If they bankrupt you in return, guess what, that's your fault

A high deductible plan will prevent big disasters from bankrupting an individual or family. In every high deductible plan I've ever had it allowed for a yearly check-up and physical.






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SlowFlowPro
Stanford Fan
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re: What is Romney's plan for pre-existing conditions?


quote:

I think the question will boil down to how many people will lose out for having a pre-existing condition when Romney tries to dismantle the Affordable Care Act.

as opposed to the questions of how we will pay for it (more debt) and who ends up paying for it (my generation)?






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TROLA
LSU Fan
BATON ROUGE
Member since Apr 2004
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re: What is Romney's plan for pre-existing conditions?


quote:


Obama's Plan

Good luck find details for Romney's "plan"



Why the hell does he need a new plan? He has had four years, two of which were spent on healthcare with both houses controlled by his party. Medicare is a function of healthcare and if he couldn't get anything done then well then I dont care what plan or detail he has now.






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Sheep
USA Fan
In the beer room at Stein's
Member since Jun 2007
15695 posts

re: What is Romney's plan for pre-existing conditions?


quote:

Okay what about Republicans in 1994 at the FEDERAL level.

1st, that was 28 years ago



THAT'S arithmetic.







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