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Oct 1st important info

AprilandChuck's picture
Posts: 110
Joined: Feb 2013

On Oct 1st the new insurance market place will open..https://www.healthcare.gov/ go to this site to sign up..this will take affect in Jan but you need to enrol during the enrollment period..if you are lucky enough to be in a state that has a Governor and state legislators who are supportive of expanded health coverage..ACA then your state is going to be setting up or  has already setup the exchanges.if not the Federal Government is setting them up for your state...starting next year those living in states thats Governor and legislators support expanded coverage and you can not afford health care and your income falls into a certain percentage..you may be eligible for expanded Medicaid not all states have accepted the expanded coverage so check to see if your state is one of them..

I post this only because Chuck and I know the horror of being diagnosed with Cancer and not having insurance...Chuck worked 2 and 3 jobs his whole life..we had insurance for 20 years we only used for routine illness..he lost the job that provided insurance. And we could in no way afford the cost of private insurance.then he got sick..I  have fought the system for the past year plus on his behalf..I have been told by many some give up before they find the help they need..and in the case of stage 4 cancer that means they suffer and eventually die..

I have also seen people on here talk about having no insurance so they can not seek out treatments that may save them..we are not fortunate enough to live in a state that accepted expanded Medicaid..Chuck has 16 month before Medicare kicks in for him...I will continue the battle but those who can get the help they need should look into the 2 things I talk about in this post! 

Hugggss :-) 

icemantoo's picture
Posts: 2624
Joined: Jan 2010

One thing that really scars the Republicans is that when Obamacare kicks in eveyone will like it. 

The headlines will appear every day of where people trying to prove Obamacare wrong will stay uninsured and than be faced with a catostophic illness.


Others who were uinsured, but are now insured will be able to carry on there lives withut fear of bankruptcy.


The Republicans will stand on the side of and cheer an individual's freedom to not participate in health coverage until those people are them.



The only way to prevent these facts from occuring is to raise fears about Obamacare before the people find out how good it is.


My stake in the game? I have none. I am  on Medicare. But I do care about others , eventhose less fortunatte than myself.


Lets have a bet to see how long my commets are tolerated on this forum.






Texas_wedge's picture
Posts: 2803
Joined: Nov 2011

As an observer in a foreign country that bears a great deal of goodwill for North America, I just hope that iceman is right and that this sets in train a powerful move for change and improvement in a system not worthy of the world-leading culture.  

GSRon's picture
Posts: 1306
Joined: Jan 2013

It is all intersting... I now a handful of people that have no med insurance, but they got motorhomes and all kinds of toys and very expensive cars or SUV's...   I know not everyone falls in that category.. but I wonder how many do...??   You do not hear about that in main stream media.. at least I have not seen it..

So, I lost a pal last Friday... he had a heart attack...  I knew he had a heart attack some years ago..  and he was over weight, and I never heard him say he made any diet changes.. (I know he used to live on Big Macs and fries) He may of changed his diet and I do not know it, but his weight  stayed the same based on appearance... but here is the rest of the story.. this guy had his own business, and decided to not buy med insurance.. yes he could afford it...  So last week, he had some kind of issue... went to the ER for treatment... they found  blockage and put a stint in.   They wanted to keep him over night for observation, but he declined and checked himself out to save money... Not sure who he saved it for...  But he chose his life style and sadly he is not gone...

So today when I went to my Cardio Dr, I was talking with the nurse and we both commented on how some people never heed the warning signs... people on Oxygen still smoking.. people over weight keep eating and get no real exercize..  Again not sure what the numbers are... but I keep hearing like near 50% of kids today are fat... yes FAT.   But, I do not hear of counseling kids (their parents need it too..).  It is now a big crime if another kid(s) call the fat kid FAT...  I think the priorities are a bit backwards today...  Today we have Coke and Pepsi products in our schools... in my day it was milk or water or juice.  The lunch room food we had was not always tasty but it always had veggies and some form of salad.. And fish on Friday was a good thing.  I can only wonder what is served today....

Oh and Doctors can NOT discriminate on who gets what transplant... However, for enough $$$$$ a very famous music star got a new Liver in front of the line...  yes his old liver was burned out on alcohol and drug abuse...   Some people cried foul, but it all went away fast...  I do not begrudge the rich, but.. when a small child at the front of the list gets pushed back for an older guy like that, I feel darn bad and ashamed...  I sit here hoping I will kick this Cancer somehow.. but in reality I feel for the kids that are suffering.. and I proudly say that if there was such a wonder drug and there were only enough for one person, I would stand aside for someone's kid...  But then that is me...

I know all these health changes work for some people.. but my med insurance already is being cut starting Jan 1st as are many ahem Med Insurance companies doing the same thing...  Plus my Co Pay is going up...  Lots of folks do not get it... the money has to come from somewhere it does not grow on trees... some will benefit and some will lose... 


AprilandChuck's picture
Posts: 110
Joined: Feb 2013

From your fingers to Gods ears TW :D We have been long in need of improvement in our healthcare system.. President Obama ran on it in 2008.. and reran on it again in 2012.. the Supreme Court upheld it and its the law of the land..now its time that we move onto things like fixing any problems that might exist with it.. and creating JOBS..and I am going to point out something that most Americans ignore.. what happens with our economy.. ShutDowns Debt Ceiling so on and so forth affect the rest of the world.. we are no longer able to say.. it doesn't.. rather we like it or not we live in a world that gets progressively smaller and smaller..the only way to stop this is to shut down trade, airlines, imports and exports..ect.. and I do not know many people who are all for isolationism..esp those who buy and sale our elected Reps like they are commodities..as I said in one of the other posts.. we are a baby nations a powerful one to be sure but a baby non the less...a few years ago.. my Daughter while in High School had to do a series of Magazines about US History.. her teacher enjoyed her take.. because she addressed historical issues in that vain..with Titles Like.. The Birth Of A New Nation... A Baby Nation Takes its First Steps... Growing Pains.. ect...when her teacher asked her why she never brought the country to adulthood she told him we are not there yet lol..we are now teenagers relearning the lessons over and over again...and we will stay there untill we realize that learning the lessons of History instead of repeating the same mistakes.. makes us mature..but for now we remain a young nation..I believe I have a smart cookie for a child LOL :D thank goodness she is in college.. when so many who should be are not..but that is an argument for another place lol.. Hugggss

Darron's picture
Posts: 291
Joined: Jun 2013

It is a great idea, but any time I hear "I am with the Federal Government and I am here to help"... I get worried.

April's example of Chuck's situation is one that insurance companies should be ashamed. A hard working guy that hits disability should have rights to continue the policy at group rates. I am sure there are many other instances where our current system has failed and needs to be improved upon.

in the end, time will tell. I do worry as a government we are spending more money than we have, I think that is my biggest problem with our government now. They are preaching responsibility on healthcare, but fiscal responsibity isn't even a consideration.

we are not in a sustainable situation, in my opinion.

garym's picture
Posts: 1651
Joined: Nov 2009

Democrats blaming republicans and republicans blaming democrats while the country goes to hell in a hand basket.

I contend there will be no meaningful and effective reform in any arena, healthcare, social security, etc. until all laws and programs apply equally to the authors of the same.

FYI; I'm staunchly independent in the voting booth.

Posts: 48
Joined: Oct 2011

Really? You don't think ACA will have an effect on Medicare recipients?  


AprilandChuck's picture
Posts: 110
Joined: Feb 2013

Your comments are welcome in any form lol..but in case you all did not notice I was very careful to keep my post just informative however since the can is opened...and since others decided to use old stereotypes and myths I will participate in a civil discussion.. Growler Srs like my mom are finding medicine cost going down under the new law..also she found for the first time all her yearly medical screenings had no deductible. We are talking all screening including some tests I had not thought of as being included in that.. so from what I understand medicare recipients overall are pretty happy its why AARP supports the law! As to the guy who eatd cheeseburgers and smokes yadda yadda yadda..that is akin to Reagans Welfare Queen myth from the 80s and just as offensive..and motor homes really? Is it possible the person owned said motor way before they got sick? Can anyone tell me how much Hospitals write off in taxes a year for treating the uninsured? It in the 10s of billions not to mention the Nonprofit hospitals ability to mark up drugscthey buy for pennies to 600 times over their actual cost to make up for the revenue loses from treating the uninsured..I have covered tgat ridiculius insurance rates are increasing for my employer covered insurance in other places here..but I will say it again insurance rates have increased at over 8 times the rate of inflation....those costs were already being passed onto employees in the form of higher employee contributions higher co pays or a reduction in benefts sometimes all three..in those cases starting a decade ago employers had no one to blame but the true culprit rising health care cost..the letters that went out to employees over that time.said things like a..due to rising cost in insurance you employee contribution is increasing to..b..due to rising cost of insurance your deductible is increasing to..c..due to rising cost of health care we are no longer providing dental or eyes..you will have to opt into those programs and pay x amount..sometimes all three..the difference now is instead of blaming rising health care and insurance rates which is the real culprit they can blame Obamacare..

Some people are still under the impression that our healthcare

delivery system was just fine..they do not read the reports of the inefficiency that has caused us to sink lower and lower in the list of developed nations in childbirth..in preventive care and almost every other category..do you know in this country we still have people everyday dieing of appendix attacks..something very much curable..because they do not have insurance and contrary to popular belief people without insurance do not rush to the emergency room for every ache and pain! So they often do not get care till its way to late.

. then you have the argument that people from other countries come here for care..your right because health coverage for those who can afford it is world class for everyone else it sucks! Not to mention the Federal Government funds research at a higher rate than other countries do..which is why so many of thevnew drugs originate here but if some have their wayvthis too will stop..no new program is without its clitches..Medicare had issues at first as did SS however people worked together to fix them the problems because they knew thosecprograms worked..there is a ton of lies being put out by opponents of tbe ACA if it was goingvto becso bad., wouldn't the truth beva more effective tool than the liesvand hyperbole?  One more point..I would just once love to hear those who argue against federal programs because of mythical welfare queens and rv owning sick people..complain about the hundreds of billions of dollars given out in the form of corporate welfare every year to companies whose profits hit the billions and 10s of billions mark every year! Fair is fair..you do not like social programs fine..but make sure you are not hypocritical about it..because the hypocrisy in this country is out of control! P.S. in the mid to late 90s Chuck was making good money our tax burden hit 10 k a year...we never once complained..we felt we were doing 2 things that were important to us...helping other when they fell on hard times and paying a down payment on our childrens futures to bad that down payment was squandered... and now when people like Chuck who never minded helping others in any form for their whole lives fall on hard times or get sick someone want to demonize them! Sad really sad! As a country we should be better than this! 

Posts: 48
Joined: Oct 2011

ObamaCare’s cost-cutting board — memorably called a “death panel” by Sarah Palin — is facing growing opposition from Democrats who say it will harm people on Medicare.

Former Democratic National Committee Chairman Howard Dean drew attention to the board designed to limit Medicare cost growth when he called for its repeal in an op-ed late last month.



Dean was quickly criticized by supporters of the Independent Payment Advisory Board (IPAB), who noted his ties to the healthcare industry as an adviser to a major D.C. lobbying firm.


But the former Vermont governor is not the only Democrat looking to kill the panel.

A wave of vulnerable Democrats over the past three months has signed on to bills repealing the board’s powers, including Sen. Mark Pryor (Ark.) and Reps. Ron Barber (Ariz.), Ann Kirkpatrick (Ariz.), Kyrsten Sinema (Ariz.) and Elizabeth Esty (Conn.).

All five are considered vulnerable in next year’s election, highlighting the stakes and the political angst surrounding the healthcare measure.

The four House Democrats faced criticism from their party in July after voting with Republicans to delay ObamaCare's individual and employer mandates — moves widely interpreted as political positioning ahead of 2014.

Two of the lawmakers explained their opposition by suggesting the board would limit care for Medicare patients.

But the National Republican Congressional Committee (NRCC) blasted the four Democrats for “desperately trying to jump off the ObamaCare train.”

The cost-cutting board has been dogged with controversy over the last three years.

Major healthcare interests like the American Medical Association, the American Hospital Association and the pharmaceutical lobby have supported IPAB repeal, saying the panel would cut providers' pay arbitrarily.

Public awareness of the board shot up last year when Palin called it a “death panel,” connecting the IPAB to her previous attacks on a proposal to encourage end-of-life planning in the Affordable Care Act.

“Though I was called a liar for calling it like it is, many of these accusers finally saw that ObamaCare did in fact create a panel of faceless bureaucrats who have the power to make life and death decisions about healthcare funding,” Palin wrote on Facebook.

This claim experienced a revival on the right after Dean published his op-ed, which argued that the board would ultimately ration care for Medicare patients.

“The IPAB will be able to stop certain treatments its members do not favor by simply setting rates to levels where no doctor or hospital will perform them,” Dean wrote in The Wall Street Journal.

“Getting rid of the IPAB is something Democrats and Republicans ought to agree on.”

The piece quickly went viral, prompting conservative bloggers and Fox News hosts to cheer: “Dean confirms that Sarah Palin was right!”

The IPAB is designed to kick in when Medicare cost growth grows above a specified rate. It is charged with making recommendations on how to reduce Medicare spending, and its proposals are required to be fast-tracked through Congress.

The Affordable Care Act prevents the IPAB from making recommendations that would directly ration care. But critics say reducing provider reimbursements would have the same result by making it difficult for healthcare professionals to make money in Medicare.

While it's unlikely the board will be convened soon, Medicare cost growth is not high enough to trigger its work, and any nominees would face long confirmation fights in the Senate, Dean's op-ed renewed focus on bills to repeal the IPAB.

The Senate and House measures currently have 32 and 192 co-sponsors, respectively, including 22 Democrats in the House. Co-sponsors include lawmakers like Rep. John Barrow (D-Ga.), a longtime GOP target.

But calls for repeal are not taking up the whole debate.

Dean’s piece also drew strong arguments in favor of the panel from supporters like Peter Orszag.

The former White House budget director said the IPAB is necessary in light of Medicare’s transition to new payment models that are meant to lower costs while improving care.

It's preferable to the “old way,” which saw Congress “simply slash Medicare payments” to providers, Orszag wrote in a column for Bloomberg.

“The point of having such a board — and here I can perhaps speak with some authority, as I was present at the creation — is to create a process for tweaking our evolving payment system in response to incoming data and experience, a process that is more facile and dynamic than turning to Congress for legislation,” he wrote.

In the meantime, the Democratic National Campaign Committee (DCCC) is warding off criticism of the anti-IPAB Dems with a push to turn the ObamaCare tables on the GOP.

The committee pointed to evidence Wednesday that resisting the healthcare law could hurt Republicans in the next election.

A new poll commissioned by the Service Employees International Union found that undecided voters prefer an anti-repeal Democrat over a pro-repeal Republican in a generic match-up.

“Instead of fighting old political battles on healthcare, polling shows that Americans want Republicans to work with Democrats to implement Obamacare and move on to focus on creating good jobs,” said Emily Bittner, a spokeswoman with the DCCC.

“The public strongly disapproves of Republicans’ plan to give insurance companies free rein over our health care.”

icemantoo's picture
Posts: 2624
Joined: Jan 2010



If you have to quote the genious of Sarah Palin, that speaks for it self.





AprilandChuck's picture
Posts: 110
Joined: Feb 2013

I had three paragraphs typed.. before I went back and re read Alans post..i think his post argues both sides...after re reading it :D like you I see Sara Palin and Death Panels and my blood pressure shoots up...This i believe comes from the lack of civility that has become the norm in this country.. People had prior to the Recssion.. gotten used to one side making every possible solution to problems fit in 30 sec sound bites...during and after the height of the recession people got scared I believe some of those people are still looking for 30 sec sound bite answers to problems that never really had those short pithy answers to begin with.. we live in a big complicated world.. and the answers are not always easy.. and that scares people...Rich People are not always "Job Creators" and Poor People are not always lay about slugs sucking off the teat of the working class..Most Rich people dont create jobs any jobs and most poor people work 2 sometimes 3 jobs..but some people need someone they feel are inferior to themselves to blame..instead of realizing that division can destroy those who benifit most from unity...I dont have all the answers actually I dont have any.. I just know as a Country we do better when we realize we have shared values.. wedge issues are just that issues created and talked about to drive a wedge between those who would otherwise be united..the old saying "United We Stand, Divided We Fall" is not talked about or annylized enough anymore in school.. the Greatest Generation.. never said its every man for himself screw the rest of you.. what made that generation so great was they realized that we are all in this together... We are still a  baby nation in the eyes of the world.. and truthfully we are a grand experiment.. one i for one would like to see succeed!! Health Care should NOT be a wedge issue!! those making it one do a disservice to the whole country..sadly the ones promoting that know it.. and dont care!! I was sort of horrified at first that my orig post meant to inform those who might be in need.. started this.. but I am glad now..sometimes these things need to be addressed gotten out in the open and put away.. I can not change anyones mind.. esp if that mind is closed to other points of veiw but my hope is maybe just maybe, I can make people think.. or plant the seed...Thanks Ice and Alan :D Hugggssss

donna_lee's picture
Posts: 759
Joined: Feb 2009

What I have whizzed thru above is the reason any political mail goes straight to the round file.  If the writer cannot summarize a point in less than one page, it's too wordy.  No quotes from "HE said/she said",no "what will happen if....".

I work in HR and won't accept resumes that are too long, either.


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