The 2010 Reforms in the House Healthcare Reform Bill

Here is a first look at the House Health Insurance reform bill that would initiate these changes in 2010! It is truly worthy of our support.

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House leadership has released this fact sheet on the key elements of the House healthcare reform bill that will begin in 2010.

House leadership has released this fact sheet on the key elements of the House healthcare reform bill that will begin in 2010 [pdf].

Among the most important of these front-loaded provision are the creation of the high risk pool, extension of COBRA benefits (which should also include some sort of subsidy program, since COBRA rates are often unaffordable, though select groups do receive assistance under the Recovery Act), upping the age that people can be covered by their parents' plans, and the increased funding for Community Health Centers are all very good starts for 2010. The most key for staunching the bleeding in our system, if you will, are the high risk pool and the Community Health Center funding. More of the uninsured will be able to get insurance through the pool and the CHCs, which are absolutely critical to providing care for the uninsured, will at least see some increased ability to do so.

A handful of the reforms will immediately address issues for Medicare beneficiaries, all solid reforms that should also provide some political help in 2010--seniors vote.

Here's the full list of what will start happening in 2010 under the bill.

1. BEGINS TO CLOSE THE MEDICARE PART D DONUT HOLE — Reduces the donut hole by $500 and institutes a 50% discount on brand-name drugs, effective January 1, 2010.

1. IMMEDIATE HELP FOR THE UNINSURED UNTIL EXCHANGE IS AVAILABLE (INTERIM HIGH-RISK POOL) — Creates a temporary insurance program until the Exchange is available for individuals who have been uninsured for several months or have been denied a policy because of pre-existing conditions.

1. BANS LIFETIME LIMITS ON COVERAGE—Prohibits health insurance companies from placing lifetime caps on coverage.

1. ENDS RESCISSIONS—Prohibits insurers from nullifying or rescinding a patient’s policy when they file a claim for benefits, except in the case of fraud.

1. EXTENDS COVERAGE FOR YOUNG PEOPLE UP TO 27TH BIRTHDAY THROUGH PARENTS’ INSURANCE— Requires health plans to allow young people through age 26 to remain on their parents’ insurance policy, at the parents’ choice.

1. ELIMINATES COST-SHARING FOR PREVENTIVE SERVICES IN MEDICARE—Eliminates co-payments for preventive services and exempts preventive services from deductibles under the Medicare program.

1. IMPROVES HELP FOR LOW-INCOME MEDICARE BENEFICIARIES—Improves the low-income protection programs in Medicare to assure more individuals are able to access this vital help.

1. PROVIDES NEW CONSUMER PROTECTIONS IN MEDICARE ADVANTAGE— Prohibits Medicare Advantage plans from charging enrollees higher cost-sharing for services in their private plan than what is charged in traditional Medicare.

1. IMMEDIATE SUNSHINE ON PRICE GOUGING—Discourages excessive price increases by insurance companies through review and disclosure of insurance rate increases.

1. CONTINUITY FOR DISPLACED WORKERS—Allows Americans to keep their COBRA coverage until the Exchange is in place and they can access affordable coverage.

1. CREATES NEW, VOLUNTARY, PUBLIC LONG-TERM CARE INSURANCE PROGRAM—Creates a long-term care insurance program to be financed by voluntary payroll deductions to provide benefits to adults who become functionally disabled.

1. HELP FOR EARLY RETIREES—Creates a $10 billon fund to finance a temporary reinsurance program to help offset the costs of expensive health claims for employers that provide health benefits for retirees age 55-64.

1. COMMUNITY HEALTH CENTERS—Increases funding for Community Health Centers to allow for a doubling of the number of patients seen by the centers over the next 5 years.

1. INCREASING NUMBER OF PRIMARY CARE DOCTORS — Provides new investment in training programs to increase the number of primary care doctors, nurses, and public health professionals.

via The 2010 Reforms in the House Healthcare Reform Bill | PEEK | AlterNet.

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Health Care Public Option: Did money talk?

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The so-called "public option" component of health care reform died today when the Senate Finance Committee's Health Care Subdivision essentially the entire committee rejected an attempt to include it in legislation the panel is considering. Other bills circulating at the Capitol still have "public option," but Sen. Max Baucus removed it from his bill under pressure from Republicans, who considered it Socialist. The number of Democrats refusing to support the idea pretty much sinks it.The vote was 15-to-8, with Democrats Baucus, Sen. Tom Carper, Sen. Kent Conrad, Sen. Blanche Lincoln, and Sen. Bill Nelson joining all of the committee's Republicans with "no" votes.Most of the Democrats voting against the bill, were among the biggest Democratic recipients of health care cash in campaign fundraising. Coincidence? Who can say? The campaign finance system is such that one can only speculate what role it plays when legislation is considered that affects the campaign contributors. So you have to decide.

via Did money talk? | News Cut | Minnesota Public Radio.

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Study links 45,000 U.S. deaths to lack of insurance

It's hard to believe that this country can tolerate this scale of problem without taking action. 45000 died each year due to lack of healthcare. Healthcare debt figures into most every bankruptcy. The time for action is now!

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Nearly 45,000 people die in the United States each year -- one every 12 minutes -- in large part because they lack health insurance and can not get good care, Harvard Medical School researchers found in an analysis released on Thursday.

"We're losing more Americans every day because of inaction ... than drunk driving and homicide combined," Dr. David Himmelstein, a co-author of the study and an associate professor of medicine at Harvard, said in an interview with Reuters.

Overall, researchers said American adults age 64 and younger who lack health insurance have a 40 percent higher risk of death than those who have coverage.

[..]

The Harvard study, funded by a federal research grant, was published in the online edition of the American Journal of Public Health. It was released by Physicians for a National Health Program, which favors government-backed or "single-payer" health insurance.



An similar study in 1993 found those without insurance had a 25 percent greater risk of death, according to the Harvard group. The Institute of Medicine later used that data in its 2002 estimate showing about 18,000 people a year died because they lacked coverage.



Part of the increased risk now is due to the growing ranks of the uninsured, Himmelstein said. Roughly 46.3 million people in the United States lacked coverage in 2008, the U.S. Census Bureau reported last week, up from 45.7 million in 2007.



Another factor is that there are fewer places for the uninsured to get good care. Public hospitals and clinics are shuttering or scaling back across the country in cities like New Orleans, Detroit and others, he said.



Study co-author Dr. Steffie Woolhandler said the findings show that without proper care, uninsured people are more likely to die from complications associated with preventable diseases such as diabetes and heart disease.

via Study links 45,000 U.S. deaths to lack of insurance | U.S. | Reuters.

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Franken Tap Dances So Fast Tea Party Can't Start!

YouTube - Franken Tap Dances So Fast Tea Party Can't Start!

[youtube=http://www.youtube.com/v/SCNs7Zpqo98&hl=en&fs=1&]

The Return of the Welfare Queen and Open Class Warfare

Michael Steele invoked class warfare in his fear mongering attempt to turn seniors against the working poor who can't afford health care by claiming the seniors will lose Medicare benefits if health care goes to the uninsured. This guy is as dishonest as anyone in the Republican Party.

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The healthcare reform debate took a rather remarkable turn last week when the Washington Post published an Op-Ed piece by Republican National Committee chairman Michael Steele telling retirees that his party would fight any effort to modify the benefits they derived from the government-run Medicare program in order to offer similar benefits to others. The Op-Ed was immediately supplemented by an item on the RNC Web page trumpeting a "Seniors' Health Care Bill of Rights," similarly pledging the GOP to a to-the-death defense of Medicare benefits and procedures, allegedly under dire threat from universal health coverage.Steele's gambit mainly got attention because it was laughably in conflict with nearly a half century of Republican attacks on Medicare, and because he adopted every ludicrous made-up claim about the impact of this or that health reform bill on Medicare. In a disastrous NPR interview later in the week, the GOP chieftain had a predictably difficult time explaining why the GOP wanted to "protect" Medicare because it was so bad a program that it couldn't withstand any "raids."

[..]This should be familiar to any political observer over the age of 30 as a new version of the old "welfare wedge": the emotionally powerful conservative argument that Democrats want to use Big Government to take away the good things of life from people who have earned them and give them to people who haven't.

[..]What's most interesting, and dangerous, about the new "welfare wedge" is that it's not about poor people who don't work for a living. After all, most very poor families often already have health insurance (depending on where they live) via Medicaid, and those who don't work these days generally don't have the option of working. The target of "welfare" shouters seems to be the working poor, or middle-class minority families who are struggling to stay in the middle class.

via The return of the welfare queen | Salon.

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Who's behind the attacks on a health care overhaul?

Those behind the fight against health care are profiteers. Do you want to pay more for health care just to keep money in these guys pockets?

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Much of the money and strategy behind the so-called grassroots groups organizing opposition to the Democrats' health care plans comes from conservative political consultants, professional organizers and millionaires, some of whom hold financial stakes in the outcome.If President Barack Obama and Congress extend health insurance coverage to millions of uninsured Americans, raise taxes on the wealthy to pay for it, and limit insurers' discretion on who they cover and what they charge, that could pinch these opponents.Most of them say they oppose big government in principle. Despite Obama's assurances to the contrary, many of them insist that the Democrats' legislation is but the first step toward creation of a single-payer system, where the federal government hires the doctors, approves treatments, sets the rules and imperils profit.These opposition groups appear to have spent at least $10 million so far on ads attacking the Democrats' plans. Still, supporters of a health care overhaul have outspent opponents by more than 2-to-1 so far, according to Evan Tracey of the Campaign Media Analysis Group, which tracks ad spending. Supporters include drug makers angling for their own protections, unions, the American Medical Association and AARP, the seniors' lobby. Supporters announced this week that they intend to spend $150 million promoting an overhaul.

more at: Who's behind the attacks on a health care overhaul? | McClatchy.

Talking Points for Healthcare Reform

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1. When you need life-saving care, private insurance companies only profit by denying you and letting you die. If you have payed your premiums on time all your life, you're as likely to be dropped by your private insurance company when you need life-saving care as you are to get treated. A public option gives you a lifeline.

2. Private insurance companies are spending over $1M a day to kill the public option by inventing phony citizen groups, and trying to scare the elderly about euthanasia and pro-lifers with abortion; they know the only way to kill reform is to get people of good conscience fighting, while they laugh all the way to the bank. They don't think very highly of our intelligence.

3. We pay more than any other country to be 24th in life expectancy: while the average Canadian family spends less than $2000 a year on health care with no waiting periods, the average American family spends $29,000 a year, waiting for private insurance companies to approve every procedure.

4. 14,000 Americans lose their health insurance every day; 46M are uninsured.

5. 18,000 Americans DIE each year due to lack of health care: THAT'S 50 A DAY.

6. Two-thirds of American personal bankruptcies are related to health care costs.

7. Businesses - particularly small businesses - cannot afford to provide health insurance for their employees under the current employer based private insurance system, and will be forced to either drop their coverage or go out of business unless a public option is passed.

8. One-sixth of all our government spending is on health care, twice as much as any other country spends out of its budget. Our nation pays $2.5 trillion for care costing $912 billion .

9. Every independent estimate says the public option will save us money, from saving 150 billion dollars (CBO) to saving 265 billion dollars (Commonwealth). The Congressional Budget Office estimates the current bill in the House would leave a 6 billion dollar surplus.

10. So - if you'd rather spend more taxpayer money, bankrupt businesses, AND pay $29,000 a year for your family's private insurance coverage in exchange for a policy that can be dumped the second you actually need it, then the current system is great for you. If you'd rather spend less, wait less, have less of a chance of dying, and want to remove the corporate bureaucrat from between you and your doctor, then a public option is the way to go. Right now, even if you're lucky enough not to be dropped by your provider when you need urgent medical care, your private insurance company can overrule your doctor's advice for life-saving treatment and only offer to cover something cheaper; a public option would remove that middleman and leave these decisions where they belong, between the patient and doctor.

via Daily Kos: State of the Nation.

How can the richest people in the world allow millions to be homeless and without health care. Fifty American's die every day!

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