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Health Care Reform

Health Care: One Changed Vote

Posted by Todd Cunningham on November 24, 2009 - 5:33pm
Tagged in
  • broken health care system
  • children's immunizations
  • Health Care
  • Health Care Reform
  • school immunizations

I’m a lifelong, dedicated Republican.  I work hard and believe that people should honor their commitments.  My wife and I have always lived responsibly, and until recently we have enjoyed a perfect credit rating.
 
Until two weeks ago, I was very forcibly opposed to any health care reform.  However, two weeks ago, I was placed in collections by my health care provider, because for the past seven months they have been unable to collect payment from my employer-based health insurance for immunizations which are required for my child to go to school.   
 
Unfortunately this is not the first time we've had problems of this nature.  Because our hospital couldn’t collect payment from our insurer for certain immunizations last year, my wife contacted our insurance company this year prior to scheduling the school-required immunizations in order to verify that they would be fully covered.  She was informed that this time they would be fully covered.
 
But since last April when the vaccinations were administered, our health insurance company has claimed they must deny coverage - and have, time and again - due to certain billing errors made by the hospital.  The hospital claims it has made no billing errors, but has been unable to collect from the insurer.  We have made many phone calls to coordinate between the parties, and even sat down to meet personally with the hospital in efforts to resolve.  The hospital and the insurer have each advised us that they’ve “done all they can do”.  Meanwhile, we've been placed in collections, and our credit rating has been adversely affected. Superb timing, as we were just about to refinance our house, and expand lines of credit to help finance a certain church remodeling project.
 
My first corrective action will of course involve my choice of health care provider.  My second corrective action involves my vote with regards to health care.  I believe it is worthy of great ridicule and scorn that our current health care system would rather waste time playing games instead of providing necessary vaccinations for children which are required for them to attend school.  We all recognize that it is unfair to ask anyone to pay several times over for the same services - once for an insurance premium, twice for an out-of-pocket, and thrice for the damage done to a good credit rating during these tough economic times.  
 
While the cost of health care is already enough to make my blood boil, it appalls me to consider that much of the health care costs we are being asked to pay have been marked up to absorb inefficiencies within the system.  Aren’t they possibly marked up, just a little bit, due to the games played between hospitals and insurers?  After all, I care precious little about whether a medical billing has been coded satisfactorily, but I care a great deal whether my chosen hospital and insurer can effectively take care of me. Something is definitely broken when they can’t cover school immunizations anymore.
 
I wonder if my experience may help persuade other life-long Republicans to reconsider their voting habits as well.  At the minimum, I'd like to advise other hardworking, insured parents who wish to both protect their good credit ratings and immunize their children to consider carefully their choice of health care provider, and weigh the very real risk of being placed into collections when having your children immunized to attend school. 
 
There is nothing standing between you and the one-two punch of inefficient, improper billing procedures by our health care providers and non-coverage by our insurers.  If you think they won't sock it to you, you might think again.
 
And as far as getting the swine flu shot (or any other form of health care) this year, kindly count me out!  I figure I've already suffered enough already.

  • Tcunningham
  • 3 comments

Roberts: Current health care legislation too expensive

Posted by Nick Sloan on November 4, 2009 - 5:37pm
Tagged in
  • Health Care Reform
  • Pat Roberts

U.S. Sen. Pat Roberts (R-KS) released this statement on health care legislation floating around in Congress. Consider this the opposing view of the legislation. Earlier today, we posted U.S. Rep. Dennis Moore's (D-KS) column on health care reform.

"The rushed health care reform proposals being debated behind closed doors could end up costing the taxpayer $2.4 trillion over ten years while doing nothing to lower the rising cost of care for patients and causing insurance premiums to rise.

"It is clear closed door discussions on these reform proposals are falling apart. Majority Leader Reid has indicated a vote on a Senate proposal will not come until next year, despite the President’s insistence on rushing a bill.

"The projections of how much the Democrats’ bill will cost once fully implemented underscores the danger their health care reforms pose to our nation’s financial future. These economic times should force us to responsibly address our current entitlement crises—not to establish multi-trillion dollar new entitlement programs.

"Health care reform should be achieved through step-by-step, bipartisan compromise and careful attention to the consequences of the legislation affecting one-sixth of our economy. We need to get this right, not rush a bill at any cost.

"We should reduce costs for patients, increase transparency of health care costs and quality, eliminate pre-existing conditions, enact medical malpractice reform, offer incentives for healthy behaviors and encourage consumers to use health savings accounts to put them in charge of spending their health care dollar."

  • Nick Sloan
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Guest Post: U.S. Rep. Dennis Moore on health care reform

Posted by on November 4, 2009 - 2:09pm
Tagged in
  • Dennis Moore
  • Health Care Reform

DennisMoore.jpgEDITOR's NOTE: This is a guest column from U.S. Rep. Dennis Moore on the health care reform issue.

The House of Representatives will soon be voting on landmark legislation to reform our severely flawed health care system.  H.R. 3962, the Affordable Health Care for America Act, will ensure health coverage for over 96% of American citizens and end abusive practices by some in the insurance industry.
 
I will be voting for this bill because it addresses the issues of affordability, fiscal responsibility, quality and choice.  We can no longer afford to do nothing.  We must meet this challenge head-on.
 
This bill will not only dramatically improve the health care system for those who already have insurance they like and want to keep, it benefits those who don’t have insurance now.  I want to update you on the parts of this reform that will affect you.
 
H.R. 3962 will place limits on insurance companies that indiscriminately drop individuals for pre-existing conditions, allowing the insurer to look only at the last 30 days for a pre-existing condition, instead of the current 6 month standard. Ultimately there will be a complete ban on the practice.
 
Additionally, health insurers will no long be able to rescind coverage.  This happens when individuals are dropped from their insurance policies as a way for the insurer to avoid paying for treatment when a policyholder gets sick.
 
Similarly, insurance companies currently have limits on the maximum lifetime pay-out for policyholders.  This practice will be banned, allowing a continuity of care.
 
The legislation will begin to close the Medicare Part D “donut hole” immediately.  Effective January 1, 2010, $500 per enrollee from Medicare will be used to shrink the prescription drug donut hole, closing the gap completely in 2019.
 
Medicare beneficiaries will also have the opportunity to reap the benefits of negotiated rates on name brand prescriptions as a result of these reforms, reducing the overall cost spent on medication every month.  I have advocated this reform throughout my service in Congress.  There will be NO cuts in benefits for Medicare enrollees.
 
The age ceiling for dependents would increase to 26, so parents can decide if they would like to extend their coverage to young adults.  This is a particularly important provision given the number of young adults who lack health care after they leave college, but before they get a job.
 
This reform also provides for a “public option”, which extends basic, affordable health care to the 47,000 residents of our district who are uninsured, which ultimately reduces costs for their neighbors who now have insurance.  The option will be available in a new health insurance exchange, where the uninsured and small employers will be able to comparison shop for standardized health packages.
 
With the implementation of a public option, we will reduce our deficit by $30 billion over the next 10 years, according to the Congressional Budget Office.  Put simply, we will be spending less on health care, which saves our country money.  We will drive down premiums and provide affordable coverage.
 
Especially in these tough economic times, we should be doing everything we can to reduce the financial burden on middle class Americans, which is why households making less than $1 million will not see their taxes increase to pay for this program. Additional revenues come from meaningful crackdowns on excessive payments of your tax dollars to certain categories of Medicare providers. 
 
This plan is fully paid for, so it will not add to our debt.  We cannot begin to get the deficit under control without tackling the challenge of health care.
 
I know that many have questions about this proposal and would like to read or review a detailed summary of it.  These documents and other background materials are available at my website: http://www.moore.house.gov/index.cfm?sectionid=35&sectiontree=6,35.

  • 37 comments

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