Do We Need Healthcare Reform?
Change is good. There's hidden opportunity in change. We need a change in healthcare. We've needed it for a very long time.
Does this story sound familiar? It's what many Americans are going through today! "For the past several years, my health insurance has increased by $100 per month. A few years ago I switched plans and now, the insurance company is back to its old tricks! Today, I pay an annual $4500 deductible and a $600 monthly premium. I tried to get a lowered rate and a different plan and have been denied due to a pre-existing condition. My insurance provider said I must live in California or they will drop coverage. I am cornered. I'm trapped. I've been paying on time to Healthnet Insurance Company for over six years. Never missed a payment, and RARELY use insurance coverage. In the past six years, I have NEVER met a $4500 deductible!"
It's time for healthcare reform. The insurance companies have been in control too long. They are unfair, over-priced and do NOT have the best interest of our health in mind!
8 ways reform provides security and stability to those with or without coverage
- Ends Discrimination for Pre-Existing Conditions:
Insurance companies will be prohibited from refusing you coverage because of your medical history. - Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays:
Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses. - Ends Cost-Sharing for Preventive Care:
Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics. - Ends Dropping of Coverage for Seriously Ill:
Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill. - Ends Gender Discrimination:
Insurance companies will be prohibited from charging you more because of your gender. - Ends Annual or Lifetime Caps on Coverage:
Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive. - Extends Coverage for Young Adults:
Children would continue to be eligible for family coverage through the age of 26. - Guarantees Insurance Renewal:
Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.
Myths
Don't believe all the nonsense against Healthcare Reform!
Read these MYTHS.....It’s a myth that reform will mean a "government takeover" of health care or lead to "rationing." To the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies.
MYTH ABOUT AFFORDING REFORM. It’s a myth that reform will bust the budget. To the contrary, the President has identified ways to pay for the vast majority of the up-front costs by cutting waste, fraud, and abuse within existing government health programs; ending big subsidies to insurance companies; and increasing efficiency with such steps as coordinating care and streamlining paperwork. In the long term, reform can help bring down costs that will otherwise lead to a fiscal crisis.
MYTH ABOUT EUTHANASIA. It’s a malicious myth that reform would encourage or even require euthanasia for seniors. For seniors who want to consult with their family and physicians about end-of life decisions, reform will help to cover these voluntary, private consultations for those who want help with these personal and difficult family decisions.
MYTH ABOUT VETERANS. It’s a myth that health insurance reform will affect veterans' access to the care they get now. To the contrary, the President's budget significantly expands coverage under the VA, extending care to 500,000 more veterans who were previously excluded. The VA Healthcare system will continue to be available for all eligible veterans.
MYTH ABOUT SMALL BUSINESS. It’s a myth that health insurance reform will hurt small businesses. To the contrary, reform will ease the burdens on small businesses, provide tax credits to help them pay for employee coverage and help level the playing field with big firms who pay much less to cover their employees on average.
MYTH ABOUT MEDICARE. It’s myth that Health Insurance Reform would be financed by cutting Medicare benefits. To the contrary, reform will improve the long-term financial health of Medicare, ensure better coordination, eliminate waste and unnecessary subsidies to insurance companies, and help to close the Medicare "doughnut" hole to make prescription drugs more affordable for seniors.
MYTH ABOUT PERSONAL INSURANCE. It’s myth that reform will force you out of your current insurance plan or force you to change doctors. To the contrary, reform will expand your choices, not eliminate them.
MYTH ABOUT BANK ACCOUNT. It is an absurd myth that government will be in charge of your bank accounts. Health insurance reform will simplify administration, making it easier and more convenient for you to pay bills in a method that you choose. Just like paying a phone bill or a utility bill, you can pay by traditional check, or by a direct electronic payment. And forms will be standardized so they will be easier to understand. The choice is up to you – and the same rules of privacy will apply as they do for all other electronic payments that people make.
Learn more and get details:
http://www.WhiteHouse.gov/realitycheck
http://www.WhiteHouse.gov/realitycheck/faq
Labels: HEALTHCARE REFORM
posted by 2B4U at
11:18 AM
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