Tip:
Highlight text to annotate it
X
first of all
what specifically in this health care reform bill
the good the bad and ugly
number one
uh... we have
it's if this is the uh... congressman john larson i'm quoting is top can't
immediate benefits from the belt okay
he says the proudest pre-existing conditions exclusions for children and
all new plant
so if your kids have a pre-existing condition they will not be denied that's
a great with
number two provided media taxes insurance
for uninsured americans
or uninsured because of pre-existing condition
through a at temporary high risk pool
meaning that if you had a pre-existing condition you're an adult
you at least on a high risk pool yes you have to pay more
but at least you'll get some sort of coverage rather no coverage
for the next four years before they get to the point twenty fourteen where
they're not allowed to discriminate against anybody with a pre-existing
condition
white is that a win
yes now that high risk pool my guess is the premiums will be through the roof
but nonetheless it was you get some sort of coverage
appointed with recruiting dropping people from coverage when they get sick
in uh... all individual plans that sick
that's the practice called recision whether go out you know we were supposed
to cover you paid all your bills
uh... but you didn't tell me you had uh... temples is that so i'm not gonna
cover your uh... cancer
and that was that terrorize assault 'cause they don't really know if you
have insurance or not
they're getting rid of that and that starts immediately so that's great
uh... point over four
lower seniors prescription drug prices by begin to close the door michael ever
the dog hold
they had medicare won't cover your prescription drug czar
that'll cost that much or because it's on
but in the middle
uh... you were left to your own devices will there be any clothes that don't
know now let me pause here to say
david from who's a conservative
overworked with bush for the speech writer form is saying look
this a huge lost this goes for conserves
we played it
all wrong
we should have negotiated
and sort of say hahaha we're gonna kill this thing and it's going to be old
bombers waterloo
because you can't
ever on do these things
height of the american people say no no we're re-opened after donut hole
so that if you have drugs as senior citizens have
uh... drug needs there in the middle
well we're not recovered you can't go back
he said what he would give that to people
you can take it away from them
while how are you gonna tell people a you know what your kids with a
pre-existing conditions
uh... where to go back to the all system
where they're not covered it
people or a pal of course you can't go back
and if you go down this list these are all the things
that they can't find you
he's a conservative
what he's basically admitting to you is
these the these parts of the bill are sold blood
that the american people
will never let you undo that
so then why were you against that in the first place
arenella be continued
and then i'm gonna get to the bad sides of the bill
uh... uses uh... represented larson says accurately
offer tax credits a small business the purchase coverage yes
so all those is in tax credits to give more insurance
a good thing
eliminate lifetime limits and restrict annual limits on benefits in all plans
uh... again tro
they begin to restrict annual limits
uh... in the beginning
and uh...
ending lifetime limits uh... right away
sony
hey you know what you get cancer but hey it cost over five thousand dollars are
going to stop paying in the middle of your
uh... coverage because uh... you reached your maximum lifetime limit
so sad day for you on your own from here on out what are your insurance
and respects is that
all right now it's another great part of the bill okay these are adding up
uh...
requires plastic cover in enrollees dependent children
until the age twenty six
so that's another thing that people are very excited about because then
because he had to stay longer remember at sixty-five medicare takes in any way
now you can get at least healthy insurance for your kids all until twenty
six again once people get used to that
david fromm agrees
they never wanted they're never going to want to give that up
uh... and then require new plans cover preventive services and immunizations
without cost share
it's sensible small part of lamb but good for the plan
uh... we don't charge you to do preventative
services so that you don't get sick
uh... and it cost us much more
down the road sensible
uh... continuing sure consumers have accessed effective
internal
and external appeals process
tequila militias plan decisions
now here's larry beginning at skeptical
so for example if they say hey you know what
we think uh... you got a pre-existing condition where the night
you say that women now you can't do that anymore
itself a fine will pay the penalty
penalties apparently about a hundred bucks a day
now one of the individual million dollars fair treatment of cancer
where bitter bucks a day
for how many days i don't know
through this with the regulators are really important
so if you don't have in fact the regulation
sister private insurance companies whose job is to make as much money as possible
relative owes you anyway
so that's what this appeals process is very important
but i'm a little skeptical here are the details process go to work out fine you
think those
companies will find a way to capture that appeals process
so that halo that we would have it turns out think they would be a few of the
trust company one in the ship they did not
i study get worried are now last one on peres out was that the list is
require premium rebates in police without from insurance with high
administrative expenditures require public disclosure
for the percent of premiums applied to overhead costs
sells complicate what it is as they say
hey you know what
you gotta spent at least x_ amount eighty percent seventy five percent
of the money you take in from people paying their premiums
to spend it on the health care
the rest you can use for administrative purposes marketing
paying your exact spent a year bullets
if that's they put a reasonable number on that
and they enforce it
that could be good
but it's kind of putting a giant bandage
underlying problem now on the line from this
we have a for-profit system
in health care insurance
benefits for-profit they're gonna look technical and i knew you on every one of
these issues whether it's the issue of
uh... you know pre-existing conditions whether it's the appeals process
or whether it's how much they charge you they get to keep on their own for the
executive salads
and further bonuses
so that lisa my overall problem with the bill and why think it's a
a little bit of a mission accomplished what when where everybody's go crazy
over admitting slavery
greatest thing that ever happened we finally have health care for everybody
but the reality is we still have the cancer
the cancer is a sure as companies
they're trying to make a profit off of you
like flyer
and fire departments
uh... that should be their province of the government
like the police
that should not be they some private insurance of the get money didn't have a
shirt that god doesn't give a damn
healthcare belongs in that category
not-so-subtle health care system
an excellent doctors about hospitals but insurance
so that if you have a prominent paying a premium
you should be covered and what this bill has done is that has put a lot of
bandages and i don't want to manage them as i just told you some
martha are great
they're not bandits their significant bandages
around a lot of these problems
but the cancer remains
and the reality is tomorrow
what if the bill passes you know or the day after the bill passes
or the month after the year after
these guys can
and will
comeback and raise your premiums
so the bell is great for people who don't have health care coverage because
it gives subsidies all the way up to eighty thousand dollars
families making eighty thousand dollars
now those are so many new subsidies and some people
that uh...
you know free at coverage
all we have two twenty nine thousand dollars so
medicaid is also expanded
so more people get covered that israel that is true that is effective ok but on
the other hand for a majority of americans
your insurance premiums will go up
and then when they do
they will blame the democrats
they won't linda reformed package and i don't blame the reform process entirely
six all you see that we should add any reform at all
that's what drove her prices
if the insurance companies are smart and they are
they should raise your premiums
right before the next election
and they go
and the republicans if you see that
that day and democrats
did this reform
and wanted to leave screwed
as their bodies an insurance companies that get to make that decision
and this bill
does not chain
any part of this bill that goes to contain costs
in in my estimation is gonna take at least
pain yourself block
by that time
you know how higher premiums are going to be
look eat
why is medicare more popular than medicaid
think about is really bored medicare's senior citizens
medicaid is for the poor right
medicare is more popular kisses for everybody
it doesn't matter if you're rich or poor your middle-class everybody gets
medicare you pay until it they get when you're up at sixty-five
medicaid is not as popular with the general population
because it's for poor people so poor people need it
and it's popular with them
for the middle class in the race card
or i care about that
that if you set up a bill
where the middle-class americans unfortunately or large chunk of the
population will say
that's good i'm glad they're covered at all
but my premium went up
that is a politically
disastrous
situation you set up
because they're gonna get angry bigan overturn the good work that you've done
because the bering next step
is the most important stuff
because right now if you declare mission accomplished and say hi paul that saddam
section down and
that's that we win veteran of back right cuz i smell back in a little all
celebration or
and everybody said all this is that this is the greatest thing that's ever
happened
ano bomb a delivery four
it if
if u
just do this thing you don't do the other half
the
savitz ifn and eventually it will be increased
premiums and that was remember the number one problem in my estimation a
lot of people that summation that we can afford the health care coverage
well then people who say no instead of making this bill better with a new look
to do in the republican or a calendar that do this
they'll look to make it worse
okay they're gonna make less reform less regulation
more privatize
e insurance and you know what
we're giving me a private insurance industry thirty one million new custom
that's a lot of money in their pocket
figure if they got money
and use it against us
i tell you right now
i could be wrong
this is not one of those things around
put their hammer down and say oh it's definitive there's no question about it
there is definitely a question about
uh... it might turn out that a lot of the people who are optimistic or right
and they say look
soc purity in medicare all those things
we're not going to be getting and we improve that
and maybe found races right then we come back around only improve the six right
or maybe i'm right and the system is different now
it companies
politicians are bought and paid for by corporate america
they're not gonna make this better
it anything over time
they're gonna make it worse
and as long as those issues companies continue to get more and more money
their raise our premiums introduce more warm
what that more more bodyguards at their charge
and a perfect example of that is what they were moved from the bill at the bay
area
and what was that
well remember how they uh... hat
their debt diet by senate pushed for the center of your member in a no bomb was
are very much in favor of it
at the coop
last-second in sounded too good to be true and of course it turned out to be
in the case
where they said hey you know what it was going to get the decide how much it they
can increase our premiums
other well if that's the case well then ok then we got a conversation
i don't love the way that you do that because it seems like too much
of government trying to figure out what the right price should be
com uncomfortable with that i think that is a little too much government
i would do it another way
but hey listen at least that's something right where they would be able to say
hey you know health and human services decided
that rate increases too hot
guess what happened at the end of the bill
well as luck would have it that's the one thing they have to take a
so in the end
you have a problem with action
you cannot compete with the drug companies their friends are offended
twelve years you can import new drugs in and he came in to go see the prices
uh... health that care uh... hospitals some larger hospitals in the country
they feel they've got a tremendous when in fact the stock market uh... showed
that today when by their prices
went skyrocketing because they're not gonna have medicare rates apply to them
that's part of what they promised by killing the public option remember obama
struck a deal with that particular bubbly option not with insurance
companies
insurance companies get all these new customers
and we cannot regulate their rates
and we have no other option as to where to go to get that ensure
i am worried
uh... ended if you're celebrating today if i love you and
and i hear you because the deck the republicans were spent axes
and they wanted this to die so badly and at least there are some very good things
in this bill i'd get all of that but i warned you don't celebrate too hard
because right now as these are
this part of it is any nor miss problem we have not fix the underlying problem
and if we don't fix that next work for a world of trouble
and for for the fed up all of these are now you'll be there to come by the rest
when i come back to this
for a long long time
they would say
mission accomplished
let's move on
no until those premiums keep going up and then we'll see what happens