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Updates As We Wait For Supreme Court Ruling On Obama's Health Care Law......

Nothing much changes for America's medical care while the Supreme Court mulls the fate of President Obama's health care law.  In the meantime, parts of the law already in effect won't change. That includes the provision that lets young adults stay on their parents' insurance until they turn 26 and a requirement that health plans cover preventative care without charging a co-pay.

Individual states continue planning for insurance markets called "exchanges" that the law tells them to set up for small businesses and individuals. The big constitutional questions before the court...the mandate that everyone be forced to buy health insurance and the expansion of the Medicaid program for the poor (the lion's share of funding being taken from Medicare) are among the provisions not scheduled to take effect until 2014.

At this early stage, all the law's provisions are in jeopardy. Of further note, should the Supreme Court strike down any or all of Obama's health care law, the White House, as of now, has no contingency plans in place. Personally, covering an additional 15 million (or more) uninsureds, many of whom are illegal, with no immediate plans to add more doctors but providing funding to hire about 16,000 new IRS agents, gives me cause for concern.

Feel free to visit the government website and read the over 900 page law. It is important here to note that the government cannot give to anybody anything that the government does not first take away from somebody else. 

On a positive note, roughly two-thirds of U.S. bankruptcies are due to uncovered medical expenses and lost income. As a result, critical illness insurance protection is increasingly being purchased by individuals between ages 25 and 45, to provide immediate cash payment upon diagnosis of serious health conditions (cancer, heart attack,stroke). Roughly half the policies purchased last year were by people younger than 45 according to the 2012 National Critical Illness Insurance Buyer Study. Visit http://www.criticalillnessinsuranceinfo.org  Critical illness insurance is sold in 54 countries. The first policies became available in the U.S. around 1996. As a broker, I represent several carriers that offer this fine product. Exciting times folks...Until next time..

                                                Glenn

Tony Kovacs

4:03 pm on Thursday, April 12, 2012

Prediction: If the Supreme Court throws out Obamacare in whole or part, the lefties will scream about how courts should not interfere with legislative decisions. And I happen to concur in general with that proposition, but the left always runs to the courts when they dislike majority legislative or referendum decisions on curbing illegal immigration, ending affirmative action, or upholding traditional marriage. So a little of their own medicine now! (But I think the Court will uphold the law for good or ill.)

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Glenn Posner

5:20 pm on Thursday, April 12, 2012

Hi Tony and thanks for weighing in. For what it's worth, people will scream, regardless of the Supreme Court ruling, which should come down sometime in June.
It just depends on how their bread is buttered. Personally, I'm all for tweaking/improving the system if possible (like rooting out fraud), without throwing out the baby with the bathwater. We have medicare for the disabled and seniors, we have public aid for the indigent, we have the CHIP program for those that are uninsurable otherwise and we have "Kidcare" for children (successfully pushed through by our now incarcerated governor). Do some folks, given all those safety nets, still manage to slip through the cracks? Sure. But remember Tony, the government cannot give anybody anything that the government does not first take from somebody else. Why do kings and foreign dignitaries, who could go anywhere for care, choose to use our healthcare delivery system? In my view, this bill is loading with red flags. What does hiring 16,000 IRS agents have to do with health care delivery? Do you want to continue to pay medical bills for those here illegally?
I can't begin to tell you how many homes I've visited who had a wall to wall plasma TV and a new car in the driveway, but no health insurance. Health insurance isn't tangible...until you need it!

Concerned Citizen

6:55 pm on Saturday, April 14, 2012

They regulate the internet, they regulate organic food, they can throw you in federal prison if you are labeled as a domestic terrorist, they regulate our borders and immigration, now they want to regulate healthcare and mandate that not only that we buy it, but pay for it for other people which in a sense we already do. How much of our freedom is this administration going to regulate for us? Once your freedom is gone, it's almost impossible to get it back!

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Glenn Posner

7:51 pm on Saturday, April 14, 2012

Indeed. It can be argued that this healthcare legislation is a convenient cover for the most massive transfer of power to the Executive Branch of government that this country has ever seen. There is absolutely nothing in the text of the U.S Constitution granting authority to members of Congress to regulate healthcare. NOTHING. Yet they try anyway. Sadly, this legislation may be more about seizing power and limiting rights rather than healthcare. The right to privacy may also be legislated into oblivion. We must all hope and pray that the Supreme Court will do the right thing, leaving politics entirely out of the equasion. Beyond that, showing up at the polls in the fall, in numbers greater than what we recorded for the Golf District 67 vote, is imperative.

Cynthia Schafer

12:57 am on Monday, April 16, 2012

These privacy arguments are ridiculous. We already have regulated health care. The law says that if you show up at the hospital half dead, they have to treat you regardless of your financial position. These people without insurance cost all of us more money. They don't see a doctor until it's twice as costly to treat. Why would you not want them in the system paying premiums? Besides, the people who are happiest with their healthcare are the people who already have government healthcare - seniors on Medicare. I'm voting with my pocketbook and my pocketbook will be better when everybody is covered and paying premiums. Let's hope the Supreme's uphold it.

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Cynthia Schafer

1:08 am on Monday, April 16, 2012

Over 50 million uninsured people without healthcare are not just "some folks slipping through the cracks ". More than 50 million is more like a crack the size of the Grand Canyon.

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Glenn Posner

5:49 am on Monday, April 16, 2012

Your 50 million figure is about 20 million to high but statistics are fun to use in arguments. Mr Obama himself uses 30 million on a regular basis.
That number, though not completely eliminated, is substantially reduced by the four forms of delivery I mentioned above (medicaid, medicare, CHIP, Kid Care). Believe it or not there are millions more who qualify for those options but for whatever reason remained on the sidelines instead of applying and going through the process. Of those left remaining, the lion's share of them are here illegally who don't pay taxes but use our resources. Kind of hard to compel "ghosts" to pay their fair share. Rather than forcing others to pay for them as you allude to, how about deportation instead? My suggestion to you would be to read House Bill 3200: AHCCA of 2009...In any event, medicare has been well funded because seniors and their employers have been paying into the system for over 40 years! Thats THEIR money. Pre-funded benefits, if you will. Millions die before collecting a penny in benefits. You are entitiled to "your hopes" Cynthia. We'll all see what happens, it is estimated, by June.
In my view, rationing of healthcare on the backs of seniors, medical decisions made by federal bureaucrats, waiting six months or more for a CT Scan or MRI (Socialized Medicine),additional taxes imposed on us, is not the path we want to travel.
There is a world of difference between treating people equally, and attempting to make them equal.

Cynthia Schafer

7:36 am on Monday, April 16, 2012

Well Glenn you are using different statistics than what I read in USA Today or CNN Money or the 2010 Census Bureau. They are all quite clear and use the 50 million figure talking about uninsured AMERICANS. The total estimated number of undocumented aliens is about 12 million. Obama has been deporting a record number of them, more than Bush did in all 8 years in office. However, the problem is uninsured AMERICANS and the working poor. CNN Money said that the "percentage of people who had health insurance through their employer fell to 55.3% in 2010". I believe that KidCare and CHIP only cover children. The working poor adults don't qualify for Medicaid. You can't afford to buy health insurance even if you happen to be one of the 55% that works for an employer who offers it, if you are working a job that pays only $8 to $12 an hour. I know several people here in Skokie who tell me that they fall into that category. Don't forget that if you have a pre-existing condition, the insurance wouldn't cover it anyway. That changes under the Affordable Care Act. And please don't use scare tactics about rationing of care and long wait times. There is no evidence of that.

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Glenn Posner

1:20 pm on Monday, April 16, 2012

Hi Cynthia. A civil, cogent discussion is always welcome, as are your stated wishes for the direction our country ultimately takes. I would caution about taking "everything you read in the papers" as gospel. The media has it's own agenda. Assuming Mr Obama read the teleprompter correctly, he has used "over 30 million uninsured" numerous times. Your figure is low...maybe for Arizona and California only? The number of deportations under both presidents has been abysmal. One having more than the other doesn't really say much. Our current president has spoken alot more about amnesty than he has about deportation. CHIP covers adults. Please read up a bit on socialized medicine. It IS scary. No need to embellish. Look at the long waits for tests that need to be done and the red tape before the test is actually approved. Medicare IS managed to the point where they pay 80% of the "approved amount." This is why seniors need supplements to pay for co-payments, deductibles and excess charges. It's not "free" to seniors (unless they opt for a Medicare Advantage Plan/HMO which is limited, restrictive and terribly costly to fund). Last year our government spent over $9 Billion dollars more on seniors with MA Plans, than if those same seniors simply had medicare and a supplement or medicare and medicaid, if indigent. Despite all these programs, options and safety nets, people still manage to falls through the cracks, but at nowhere near the numbers you suggest.

Cynthia Schafer

11:51 pm on Monday, April 16, 2012

Please stop with the scare tactics already!! I have more than read up quite a bit on socialized medicine and I know Canadians and Europeans who not only like it, but they find our system sorely lacking. This scare tactic of long waits and such is a right wing myth. And people don't "manage" to fall through the cracks. Many states are placing limits on the number of Medicaid enrollees and as I stated before, many working people either can't afford some of these programs or their health issues aren't covered due to pre-existing conditions. Please read the US Census statistics on this issue. The numbers are huge. Remember, only 55% of employers even offer it now. Premiums have just about doubled in the last 5 years. Family coverage at my employer is almost $600 per month. And because someone spends $300 on a one -time purchase for a flat screen TV ( yes, they're that cheap now if you shop the sales) has nothing to do with them affording a large monthly recurring bill.

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Glenn Posner

12:19 am on Tuesday, April 17, 2012

I'll leave your "warning" about "scare tactics" be the last word, Cynthia. You win. The facts (not tactics) regarding socialized medicine are all contrived and false, designed to irritate you. Fair enough? I assume the Canadians and Europeans who find our system sorely lacking arent the ones waiting 6 to 9 months to get a CAT scan or an MRI? Are those the same ones that come to America when they need quality immediate care, like leaders, indeed kings of foreign nations do on a regular basis? No system is perfect, Cynthia, including ours. In your view, an absolute overhaul is required while I would instead focus on repairing, tweeking and strengthening....such as rooting out fraud and of course, addressing the illegal situation that we have looked the other way on, for far too long. As far as "needs vs wants" I would have health insurance for my family BEFORE I have cable installed with a hefty monthly cable bill. But that's me. To each his own. Though I disagree with alot of your statements, I respect your right to voice them and appreciate your civil discourse without going off the deep end. Sadly, at this point, regardless of our personal views, based on experience, the Supreme Court holds all the cards at this point. Their decision should come fairly soon. As you know, if it upholds "Obamacare" (which I doubt it will), Romney, as you know, if elected, promises to repeal it immediately. Never a dull moment huh?

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Pam DeFiglio

8:35 am on Tuesday, April 17, 2012

Thanks for taking such a civil tone on this thoughtful discussion.

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