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Supreme Court Upholds Health Care Mandate

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Old 07-17-2012, 11:18 AM   #196
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Re: Supreme Court Upholds Health Care Mandate

Sammy, here you go. Premiums set to drop for women. I'll get to those other links later.

Health Insurance Prices For Women Set To Drop : Shots - Health Blog : NPR
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Old 07-18-2012, 06:46 PM   #197
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Re: Supreme Court Upholds Health Care Mandate

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@mlmpetert,

This is a really good way to frame the discussion. Good questions. Some I've considered but mostly on the pro-side. Before I delve into my answer(s), I just want to correct one or two things you said and then take a step back to help understand "Obamacare" from a slightly different angle.

It's not a bill. It's the law of the land and has been for two years. I know you know that, but it makes a difference in terms of how we discuss and/or debate the law. Once we peel back the term "Obamacare" for a second and call it by it's proper name, The Patient's Bill of Rights/Affordable Care Act, that too makes a huge difference. Most people hear "Obamacare" and immediately certain images, right or wrong, pop into their heads. For the sake of our discussion, Obamacare is fine. Just wanted to point that out.

Secondly, this law doesn't cover ALL Americans. It covers approximately 30 million (revised number per CBO). That's it. No undocumented immigrants and no one gets free medical care. No free rides. Period. That said, all Americans insurance plans aren't directly affected by this law. So most of what we're debating isn't what falls under the Patient Bill of Rights Act portion, because if we go point by point, the vast majority of people here -- left and right -- would agree with most of those rights. What we're debating is the individual mandate. Correct? The idea that those who *don't* have insurance should. Okay, that sounds pretty libertarian to me. Pull your own weight, pal. Is that an expansion of the social safety net. Sure. But it's also an economic imperative. Too much of the nations debt, too much of our GDP is driven by healthcare costs. It's ludicrous to say you're a fiscal hawk and want to do absolutely nothing about our broken healthcare system. It doesn't make moral sense or fiscal sense.

And to that end, I absolutely agree with the court's decision. Whether it falls under the Commerce Clause or the Congress' taxing authority is besides the point in my opinion. It's the law of the land. It was the right thing to do. Republicans believed so in the 90s, Democrats got it passed in the 2000s. This wasn't a unique idea. This wasn't some new radical Obama agenda. Both parties have embraced the idea of universal healthcare at one time or another. The political will power just wasn't there in the past. This time is was and the Supreme Court validated the law passed by the other two branches of government. So you have ALL three branches on the same page regarding a Republican concept.

In terms of Nanny State and redistribution of wealth. I touched on this earlier. There are no giveaways under this law. You can't give me one example, under this law, of "free health insurance". In fact, you appear to contradicting yourself. You say Congress is forcing people to buy insurance, then you turnaround and call it free and wealth distribution. Which is it? There are some tax credits for lower income families who decide to purchase insurance. That's hardly Nanny state. I've yet to see a definitive argument that explains how this is redistribution of wealth. I'm open ears if you want to take a stab it.

The Supreme Court limited the Medicaid provision of the law, basically giving the states ability to deny funding or opt out. In some cases I don't think it's a wise move, but I can live with states making decisions based on the needs of the people and not politics. My biggest concern is how do we address cost containment. I've neither read nor heard anything that says with certainty that costs will come down dramatically because of the law. It's an imperfect law with room for improvement. Just like Social Security and other social programs that passed in their original form. It will be a lot better in the coming years.
12th, my bad in not responding to you sooner. I honestly appreciate you taking the time to voice your thoughts, of which I enjoyed hearing.

I used to like these political threads because they moved slowly and allowed me to hear things I normally wouldnít, think about things in a thoughtful way, and have informative debate less focused on opinion and more focused on reason. In addition, of course, to calling out and making fun of politicians and their often ridiculous policies. Not saying that isnt true anymore, but for me some of these threads move too fast to keep up with in a casual manor. Not sure if ive changed or if these political threads turn into 15 pages faster than they used too.

When I was putting my post togather asking for your thoughts I literally started typing out Affordable Care Act (I was still gonna call it a bill though), but I just couldnít do it. The works of Ayn Rand popped into my head and I became even more disgusted with our political system than I normally am. Weve all been hearing about the impending expiration of The Economic Growth and Tax Relief Reconciliation Act (aka The Bush Tax Cuts), which just like ObamaCare and depending on the person or context can be viewed in opposite extremes. I wonder if Bush or Obama was thinking of Randís Equalization of Opportunity Act when they signed their respective bills? So while our populist jargon may do more to conjure up emotion than fact i got to think its much better than deceptive names decided for us, no matter your side of the aisle.

Honestly my biggest issues with The Patient Protection and Affordable Care Act To Save Your Momís Life isnít the forced participation (aka individual mandate). Itís the complexity and length of the law. Like most I donít know much about the law, its hard to understand because its hard as hell to figure out the particulars of it. And in my opinion transparency is the most important thing in a good law, even if its notÖ. I guess thatís the emotion before reason political ideology im guilty of. But while I am the type of person that says pull your own weight, I will admit that youre more than right in that pulling your own weight in terms of healthcare costs has become a fiscal burden and drag on others/our economy. But im not too sure Obamacare fixes that?

And im not too sure you do either as our biggest concern is shared; how do we address cost containment. This is a huge issue and what I thought the bill was supposed to fix (in addition to saving our moms). I mean me and you are expecting healthcare costs to continue to rise. And while actuarial tables may say more people = less risk/average cost, elementary school tables say more people covered also equal higher total costs (even if the average is less). I just donít see how this ends well. At some point the actuaryís "proverbial" (sounds ridiculous right?) slide rule breaks.

But while ill say thats my biggest concern its only my biggest concern when it comes to this billÖerr law of the land. Obviously thatís the case with most people, but this law has kind of broken politics for me. I just think people are getting too worked up about things that are out of their control.

Donít get me wrong I still care and like to follow politics and their affects/effects on the world. And I still thoroughly believe that progressivism is a cancer and acts as democracies only kryptonite. If people can vote to entitle themselves to stuff then its only a matter of time. Sadly progressivism is a cancer that even Obamacare cant cure. But I now realize that carcinogens/progressivism is something that democracies allow for. So while getting cancer sucks its also inevitable.
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Old 08-08-2012, 10:45 AM   #198
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Re: Supreme Court Upholds Health Care Mandate

U.S. scores dead last again in healthcare study | Reuters

Why is it we keep being spoon fed about how wonderful our system is and how we have the best care in the world....blah..blah...blah


Not even remotely close.
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Old 08-08-2012, 11:07 AM   #199
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Re: Supreme Court Upholds Health Care Mandate

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Originally Posted by NC_Skins View Post
U.S. scores dead last again in healthcare study | Reuters

Why is it we keep being spoon fed about how wonderful our system is and how we have the best care in the world....blah..blah...blah


Not even remotely close.
for someone who decries using Fox News as a source, listen to how the study publisher is described in the linked article:

Quote:
Previous reports by the nonprofit fund, which conducts research into healthcare performance and promotes changes in the U.S. system, have been heavily used by policymakers and politicians pressing for healthcare reform.(emphasis added)
Anytime the US is compared in a world study, you need to ask yourself, is the US going to stack up equally with a country like the Netherlands(#1 on the list). They are two completely different animals with 2 different economies. Sometimes statistics just don't say the whole truth.
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Old 08-08-2012, 11:20 AM   #200
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Re: Supreme Court Upholds Health Care Mandate

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for someone who decries using Fox News as a source, listen to how the study publisher is described in the linked article:
Did you just compare Reuters to Fox?...lol Also, I'm missing your point about The Commonwealth Fund group.(the people who conducts these surveys)


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Anytime the US is compared in a world study, you need to ask yourself, is the US going to stack up equally with a country like the Netherlands(#1 on the list). They are two completely different animals with 2 different economies. Sometimes statistics just don't say the whole truth.

Well, I'm not looking as much as what we pay out as compared to these aspects.

Quote:
The report looks at five measures of healthcare -- quality, efficiency, access to care, equity and the ability to lead long, healthy, productive lives.
The economies should have absolutely nothing to do with the quality and efficiency of the health care received. Aren't we touted as having the best doctors in the world, yet the foreigners get better quality care? The major thing that economies would affect is the cost and the access to health care.
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Old 08-08-2012, 11:36 AM   #201
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Re: Supreme Court Upholds Health Care Mandate

Looking at one sampling of the detail points on the medical survey (it won't let me cut and paste, so here is the specific link:MIRROR, MIRROR ON THE WALL: AN INTERNATIONAL UPDATE ON THE COMPARATIVE PERFORMANCE OF AMERICAN HEALTH CARE)

Under timeliness of care:
Waiting time to see a specialist less than 4 weeks: US rank #1, (with 74% saying true, next closest was 69%, with others in the 40-50% area)

Had to wait over 4 months for elective surgery: US rank #3 (with only 8% saying true, others had percentages of over 25%)

But one we come in last : Primary care practices that have an arrangement where patients can be seen by a doctor or nurse if needed when the practice is closed, not including ER (high is 89%, we are at 29%) but why do they say not including ER, that clearly would skew against how our system works. Add in ER as an option, and I imagine it would be a much closer comparison.

an axe to grind is an axe to grind whether liberal or conservative based.
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Old 08-08-2012, 11:43 AM   #202
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Re: Supreme Court Upholds Health Care Mandate

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Did you just compare Reuters to Fox?...lol Also, I'm missing your point about The Commonwealth Fund group.(the people who conducts these surveys)
The point is, Reuters is just reporting what a survey group reported, a la Fox, the underlying group has a very specific axe to grind, and the impartiality of their survey is what has to be questioned. Reuters did due diligence by stating the group's bias, but that doesn't suddenly mean that the report has no flaws...






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Well, I'm not looking as much as what we pay out as compared to these aspects.



The economies should have absolutely nothing to do with the quality and efficiency of the health care received. Aren't we touted as having the best doctors in the world, yet the foreigners get better quality care? The major thing that economies would affect is the cost and the access to health care.
Go look at the underlying questions and how the rankings were achieved, then see if it doesn't also have to do with how societies are structured, and what the surveyer are trying to achieve.
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Old 08-10-2012, 12:05 AM   #203
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Re: Supreme Court Upholds Health Care Mandate



Yovany Gonzalez's Wells Fargo Lawsuit Alleges Bank Fired Him, Cut Dying Daughter's Health Insurance



Reality sucks big time when it comes to capitalism. It's not as pretty as we are told it is. Also, **** Wells Fargo.
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Old 08-10-2012, 05:01 AM   #204
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Re: Supreme Court Upholds Health Care Mandate

if you have money, the US healthcare system as currently implemented is the greatest thing ever. ask anyone in the nfl how long they have to wait to see a doctor or get surgery.
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Old 08-10-2012, 11:35 AM   #205
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Re: Supreme Court Upholds Health Care Mandate

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Yovany Gonzalez's Wells Fargo Lawsuit Alleges Bank Fired Him, Cut Dying Daughter's Health Insurance



Reality sucks big time when it comes to capitalism. It's not as pretty as we are told it is. Also, **** Wells Fargo.
What would you propose as prettier?


This guys story is a little odd too. If anything he should sue the hospital or the insurance company for not going foward with the surgery.

Everyone knows he would have been covered under COBRA so im not sure why the surgery would have been canceled. It almost sounds like he canceled the surgery because he didnt think he would have been covered, which would have only been true if he was fired for gross misconduct. Perhaps "falsifying his time records" suffices as gross misconduct?

Regardless a charity (i wonder if it was a disgusting Christian charity???) ended up paying his COBRA premium, although the article doesnt say if his daughter ever got the surgery. Maybe she got the surgery an inconsequential amount of time later? I wonder what type of cancer she had?

And this guy had life insurance on his daughter (and it sounds like other kids). Ive always questioned the practice of getting life insurance on your kids and unless it was a "free" employee benefit i would question the purpose of the life insurance in this instance. Oddly a charity (pleeeease dont let it be an evil Christian one) payed for this guys COBRA premium, but he apperantly had money to pay the premium for his dying daughter's life insurance of which he was the beneficary.

To me the life insurance sounds like the whole basis of the lawsuit. He got fired and Wells Fargo didnt give him timely info on how to extend his dying daughters life insurance.
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Old 08-10-2012, 11:51 AM   #206
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Re: Supreme Court Upholds Health Care Mandate

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Originally Posted by NC_Skins View Post


Yovany Gonzalez's Wells Fargo Lawsuit Alleges Bank Fired Him, Cut Dying Daughter's Health Insurance



Reality sucks big time when it comes to capitalism. It's not as pretty as we are told it is. Also, **** Wells Fargo.
Do you honestly believe you can't go to any other country and find a hard luck story, where a doctor made an error, or government regulators screwed up and didn't let an operation occur when they should have?

Capitalistic approaches have problems, as do socialistic ones or any other -ism you feel like trying out. Reality sucks big time when it comes to life's unfairness and hardship. That's just Reality.
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Old 08-10-2012, 02:52 PM   #207
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Re: Supreme Court Upholds Health Care Mandate

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The point is, Reuters is just reporting what a survey group reported, a la Fox, the underlying group has a very specific axe to grind, and the impartiality of their survey is what has to be questioned. Reuters did due diligence by stating the group's bias, but that doesn't suddenly mean that the report has no flaws...
I think there was a difference in what Fox was doing and what Reuters did. First off, the guy who wrote the Fox piece is a psychiatrist. He should have known the study was flawed and that while he wasn't dishonest, he didn't go out of his way to point out the flaws with this. Now, had the guy been a simple reporter, I wouldn't have had as much as issue, but this is a professional in that particular field and should have known better. That's where I think the difference between the two pieces are.

I'll concede the point that yes, there probably are flaws with the US health care ranking as noted in this article.

An Ill-Conceived Health-Care Ranking - WSJ.com


My other issue is with your assertion that the group doing the survey has a axe to grind? What axe do they have to grind? Mind you, this report was done after Obamacare was already passed through legislation. Also, these type of reports have been out long before Romney/Obamacare even existed. Whatever "axe they have to grind" certainly isn't clear.




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Originally Posted by CRedskinsRule View Post
Go look at the underlying questions and how the rankings were achieved, then see if it doesn't also have to do with how societies are structured, and what the surveyer are trying to achieve.
We are the most prosperous nation on the planet (well china is) yet we rank as low as we do? I think culture aspects play a bigger part in all of this than does the economics of it. Obesity rates are astronomical in our country and probably plays a huge part in many of our healthcare issues.

What is the surveyor trying to achieve? I still haven't come across anything that would say otherwise. To improve health care in the US? If that's what they are trying to achieve, than that's a good goal to have.
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Old 08-10-2012, 02:57 PM   #208
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Re: Supreme Court Upholds Health Care Mandate

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What would you propose as prettier?

Probably a mix of it all. The problem with any system still lies with its run by humans and as such, is flawed.

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Originally Posted by CRedskinsRule View Post
Do you honestly believe you can't go to any other country and find a hard luck story, where a doctor made an error, or government regulators screwed up and didn't let an operation occur when they should have?

Capitalistic approaches have problems, as do socialistic ones or any other -ism you feel like trying out. Reality sucks big time when it comes to life's unfairness and hardship. That's just Reality.
Actually, there are worse stories around the world than this one. I was being a smart ass about capitalism because of the myth of how the system will benefit you if you work hard and play by the rules. (or that's what is indoctrinated in many) Reality is, capitalism was doing exactly what it was supposed to do. It has no conscience. It doesn't care who it hurts or who gets killed. All it cares about is the bottom line. I agree with you though. That is just reality.
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Old 08-10-2012, 03:54 PM   #209
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Re: Supreme Court Upholds Health Care Mandate

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Probably a mix of it all. The problem with any system still lies with its run by humans and as such, is flawed.
Redskinsrat was right all long! We DO need robots! :cheeky-sm


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Actually, there are worse stories around the world than this one. I was being a smart ass about capitalism because of the myth of how the system will benefit you if you work hard and play by the rules. (or that's what is indoctrinated in many) Reality is, capitalism was doing exactly what it was supposed to do. It has no conscience. It doesn't care who it hurts or who gets killed. All it cares about is the bottom line. I agree with you though. That is just reality.
Well, capitalism isn't an entity in itself, it's just a state of mind where the bottom line is, well, capital. Nothing more, nothing less. At the same time, Socialism isn't always the caring about the people "ism" some claim for it to be either. More times than not, Socialism becomes more of the problem than the solution. I believe the country needs the right mix of both, too much of one thing can be detrimental IMO.
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Old 08-10-2012, 04:11 PM   #210
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Re: Supreme Court Upholds Health Care Mandate

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I sell alot of life insurance on children. I can do a 100,000 pernament life policy for next to nothing and its something they can keep for the rest of their life. It guarantees them the coverage for life at a low cost. People also use them as a way to save for college. The cash accumulates tax free and you can take the cash out without paying taxes as long as you keep the policy inforce.

I don't understand why he would not have just paid the cobra premium if she had to have the surgury. I also question if his health ins. is canceled the day he is fired. I would think the health ins. com would have to formally inform them of cancelation. I don't sell health ins. so I'm not sure how these group plans work. I do sell some other group policies and the employee is not canceled the day they are let go on those type policies. Also if he paid part of the premium it seems that he would have coverage util the next bill cycle. I hate to say it but it looks like he is trying to profit off his daughter death.
I always thought you just sold car and homeowners insurance?

Ive always been against life insurance as an investement, unless its for estate planning or for a spendthrift who has to be forced to save. Thats just my personally biases though.

If guy was using the life insurance for his daughter (and other kids) for investment/savings/college purposes i find it odd that it would be offered through work. Ive never heard of anything besides term being offered to non-executive employees. Have you ever heard of a non-term insurance product for kids of employess?

I imagine its got to be the hardest thing in the world to lose a child slowly like that to cancer. I feel horrible for the guy, his family and everyone else involved. Im sure if i was in that position i would want someone to sue because it at least offers some sort of accountability. If all you can think about is your daughter dying youd want a better reason than just life isnt fair. So while im not a big fan of life insurance for kids i dont blame the dad.

The real blame i have is that the huffington post allowed a journalist to write a story on something thats purely an emotional ploy to blame evil corporations and the ugly side of capitalism these greedy corporations purposely exploite to destroy lives.
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