Now most of us are familiar with Medicare health insurance. Obamacare is Medicare health insurance for everyone, an umbrella over us all. As far as I understand it's a blanket coverage for anyone. So that means it is not income based like Medicaid. Although there seems to be no problem with having other private insurances concurrently or opting out with with penalties like is allowed with Medicare. Walmart and business in general LOVE Obamacare and have lobbied for it extensively. The only people that don't like it are the private health insurance industry who are very-very powerful politically. Basically Obamacare is going to help the economy recover by business able to hire more people and let me tell you why. By not having to pay health insurance businesses they can lower costs and thus their prices and hire more workers. It is a win win for everyone the consumer and the employee.
I was an insurance and general registered nurse casemanger for five years in the USA. I will tell you everything I know in ten minutes or less. First, once you reach retirement age you get Medicare (American Socialized Medicine). A wonderful insurance which covers most of your health care in your 60's With this extension everyone will be included, rich, poor, all ages. When Medicare was established the original plan had been to continue grandfathering in people every ten years but that never happened. Well it is happening in 2014 and there are programs already in place in each state to buy the insurance plan now.
Obamacare like Medicare is an insurace it is not a building or a health care provider. Obamacare is an insurance like any other. So you could be sitting in a clinic with everyone in the room with a different insurance: Private Insurance, Medicare, Obamacare and Medicaid, or pay cash and all see the same doctor. Or like many people with Medicare Health Insurance they also carry a private health insurance in addition. With the payment for the doctor all coming from different places for the same service just like it always has worked.
What is going to be different is that more people will be covered. So we will need more clinics 'not' hospitals. Believe you me, Kaiser, Hospital Corporation of America, Blue Cross Blue Shield all the private health insurance companies are all ramping up to set up clinics of their own to capture the new dollars that will be brought in by everyone able to be insured and see the doctor. While simutaneously fighting tooth and nail to stop this thing as they will have less profit. Just like when you become eligible for Medicare you can say no of course with penalties like I mentioned already. Medicare is not free. You can refuse Medicare. Few people refuse Medicare. Even the super wealthy. Most people just keep a private insurance in addition to cover the 20% not covered by Medicare.
Obamacare will work anywhere Medicare works, Small and big business will spend less insuring people. The best part is that it will make us more competitive internationally as business will be able to pass on the savings of not having to buy all their employees health care. Also locally, since employers no longer will have to pay huge medical insurance premiums for their employees, (that's if they even offer a health plan) they can pass that savings onto the consumer and it frees them up to hire more people,
Medicare is an entitlement based on age or serious disability. So your visits and hospitalizations you still need to pay CO-PAYS, and you still need to pay parts of your medicines and basic medical supplies. Medicare or socialized medicine is not free, you gotta pay your share it's just cheaper. The good part now you won't have to wait until you are in your 60's to have this insurance. Plus, sadly the reason we see less homeless after 65 is that is when the other program kicks in called (Social Security) so you rarely see homeless after 65. Basically now everyone will have Medicare instead of waiting until 65 like now.
What Obamacare wants to do is give that Medicare to everyone. It is not free. You have to pay a COPAY. You have to sign up. Medicare is bonefide SOCIALIZED MEDICINE and it works extremely well. Medicare helps keep people 65 and older with low cost health care ask any senior citizen how they like their medicare, they like it right? In the old days before Medicare people used to be scared to call the doctor because they couldn't afford it. Before Medicare there were poor houses for the old. Because once you broke a hip and couldn't work a lot of people ended up homeless or unable to pay for medical care. Well presidents Franklin Delanoe Roosevelt and also Johnson changed that for us and made Medicare and Social Security starting in your sixties. What I am blogging about is let's pressure these guys to give us health care for everyone like Medicare. Not just the privately insured people or in government jobs, not just the people in state jobs but all of us and not just the old people either.
What I am thinking is that if you understand what Medicare is and are not scared by all that news stuff and and can sit back and think about it is that health care or socialized medicine like Medicare for everyone is going to be a big help for the economy. The rich use the conservative right to scare us pretending it is about states rights. Republicans don't care they just want to help the private insurance business keep more money and keep your vote at the same time.
The private insurance companies make a 20 percent profit and they are going to have less profit. There is nothing wrong with profit. They still will have profit though just not as much. All these insurers often run hospitals and clinics and now they will be getting payment from Medicare and Obamacare as well as the privately insured. Obamacare will free up business to hire more people, Obama care will lower medical costs so that medical care will be affordable to all and most importantly a chronic medical problem that is not the fault of anybody like high blood pressure, cancer or diabetes will be covered so they can switch jobs and work more normally.
Basically Obamacare is giving everyone a better chance to work and employers a way to lower health care costs so they can hire more people it's win win. Once we have Medicare for everyone or Obama care we will be able to get good health care at a local clinic and best of all we won't go bankrupt if we have a major medical illness. We don't need a bunch of extra doctors for this or to build any buildings. We have plenty of good Doctors who can run clinics also Nurse Practitioners and clinics are less complicated to set up, there is a lot of good office space for lease. There won't necessarily be an increased need for hospitals just primary care Clinics. These clinics are not an emergency these clinics can be organized to see the 40 percent influx of people currently not insured.
Once Obamacare gets going there will be more work all over in clinics across the USA. As suddenly the 40 percent of uninsured are going to have health care and can go to a clinic. As every town will open new clinics and need computer help and nurses aids, it will bring jobs. Please support Medicare for everyone which is also known as Obamacare and give everyone in the USA if you want to help the economy overall. Even Walmart likes it. It will reinvigorate our towns and most importantly shoot money into every single town and community across the USA with these clinics.
Medicaid is different than Medicare, it is a subsidy for poor folks based on income. Medicaid is OK in my book, because it's mostly used by children and the poor. How many of us know a single mother and child who need Medicaid? Medicaid is funded by the FEDERAL government given in block grants to each state who in order to get the block grants the states must budget matching funds from their state budget, and works really well. Forces states to put aside a large part of their budget for health care and also brings in a lots of jobs associated with Medicaid. How many people do you know who work at a retirement home. Basically that is a job based on medicaid. So Medicare or Obamacare is not based on income like Medicaid. Medicaid is for poor people by state. The federal government gives each state money to provide for their poor and giving them the incentive of having the money if they match the funds. Medicare is directly paid by the USA Medicare fund.
So after Medicare (which is socialized medicine for the old after 65) and Medicaid a subsidy for the poor mostly poor children. Third, we have PRIVATE INSURANCE which in the best case covers 80 percent. First of all Private Health Insurance for the most part in the USA has been attached to being employed. The best health care goes to the full time employed in high paying jobs. It's sad that women who are often struggling in the work force have the worst private health care benefits. Because oftentimes women are caregivers for small children or aging parents, they work in hosptials, education, daycare and grocery stores, often part-time. Tell me, what part-time low paying jobs do you know of that have decent insurance that cover kids; not many and its expensive if you are part-time. This is a true fact there are a lot of people who work at Walmart part-time and their kids qualify for Medicaid. Only the full-time are even eligible for insurance benefits.
So basically if you are military, married to someone who has a full time good job, or are full time employed you have a half of chance of hitting a decent insurance program. Most private insurers are slanted toward making money, kicking people off who have chronic illness like diabetes or heart disease, cancer and especially freezing off benefits for someone who has a kid with disabilities. Let me tell you about my observations watching familes who where working and had a major medical health crisis. Its sad so hang in there. I have a hard time recalling it because it makes me cry and have almost a post tramautic stress disorder quality. Here it goes.
For example you have a married working couple. The guy is a full time mechanique owns his own business, honest and hardworking. The wife is a school teacher the first kid is an easy birth no problems. The second kid has a digestive problem and needs these expensive tubings and surgeries and liquid feedings and round the clock care. At first everyone is just happy the baby is alive. With all the nurses knowing that we are going to watch a family unravel because of little support for a burden too big. This is why nurses get burned out. We watch what that 80 percent private insurance payment does to this family over five or six years while this kid gets on track.
First everyone rallies around the baby the first year grandma, cousins and sister are at the hosptial bed. When it is discovered that the tube feedings and the ongoing digestive surgeries will take years the burden usually falls on the mother. She quits her teaching job. Not only does she quit her teaching job she quits her life. She is over that baby 24/7 basically she gives up her life to watch over that baby which causes tremendous stress on that marriage. Now their medical bills are reaching over 100K a year and you tell me who has 20K lying around a house for that 20% co-pay. So they take a second mortgage.
So with her quitting her job and the expensive private insurance co-pays and general lack of ability to participate in any meaningful way to help her family financially, they go 40K in credit card debt for supplies, hospitalizations, etc. What you will see is in five years they sell the house lose all their resources and often divorce. Both the older kid and the kid with special needs with no financial future, the hardworking dad with no family and worst of all miserable lives for the kids and mother ultimately breaking up, ending up living in some relatives back bedroom.
Do we want that for our babies and hardworking families? A better scenario would be for that same family to have Obamacare coverage, mom would still have to quit her job but we wouldn't destitute that family or their futures. Basically mom would only quit her job and not her entire life or future with their medical bills under control.Obamacare an extension of Medicare works pretty much the same way. So all the medical stuff would be paid minus fees and co-pays, expensive yes but not financially bankrupting families. Private Insurance is very expensive so things like respite care is not common. Under Medicare or Obamacare we can offer more support services and keep that family from going under. Medicare or Obamacare can provide support services because medical costs are cheaper overall.
Or let's just take someone with type II diabetes trying to change a jobs. Let's say we have a truck driver in Chicago who has three kids and is 50 and has type II diabetes and is forced to change jobs once his local company mergers with an national firm. What if he he doesn't make the job cut and is suspicious it might have been because they didn't want to deal with the cost of his diabetes. While all his healthy co-workers got hired on the new company, it is illegal but it happens more than we would like to think being rejected based on health issues.
If that truck driver had had the Obama care plan it would have been no trouble for the new firm to take a guy on with diabetes who was a good driver. In fact they are sad that they have to hire some young guy who is untested and who know what he will do: Obama care would let that truck driver get hired at the new place because his health care would not be an issue. Keeping him employed and his family with a breadwinner.
These are but two examples of many many, of what I have seen as a nurse casemanager over the five years I as a home care nurse or insurance nurse casemanger. I am defiantely no expert. I believe that extending Medicare type Obamacare like an umbrella over everyone would be an excellent way for the country to get on its feet. Please don't listen to those Republicans affiliated with the private health care insurance wanting to protect their profits, they will use any scare tactic to keep the system the way it is stacked in their favor.
I would like the medical system stacked in the American peoples favor. Private Insurance is about profit and they like any business want to make money. A lot of time that means they want to throw the sick people off their system; not always of course as some private insurance pays for charity care in some cases yet not enough to keep that family I mentioned afloat or to take care of that truck drivers diabetes over his lifetime. They kind of pick and choose the charity usually with ulterior motives also leaving the patient in a strange situation of having to be etneranally grateful.
Not that there is anything wrong with private medical insurance. Anyone who wants it can buy it in addition to Medicare or the extention of Obamacare really Medicare. Private insurace plans will remain intact under Obamacare just like they did under Medicare. Plenty of people carry private insurance and Medicare. Private insurance is great if you got it and works best it seems if you stay healthy and never use it. The insurance company grows rich and that money is used to give the CEOs big bonuses and support politicians.
Private health care cost about 300 dollars a month for a lifetime. The private health insurance companies have grown rich on healthy people. We would like to use that capital to even out costs across the system thats why we need to have a system where everyone buys in. If the healthy people opt out and want to stay privately insured that is fine. Just like Medicare there are pentalties. Most people wait eagerly for their Medicare to kick in and I am expecting that most people will take the Obamacare and keep their private insurance for a while until they see how much money they are saving with Obamacare.
The reason private insurance will fight tooth and nail against Obamacare is because we are going to take away some costumers. Well, most of their paying costumers will go to Obamacare because it will be able to offer health insurance at a much better rate than them. Lots of these private insurance folks have lots of politcal clout. And that is okay it just doesn't help the 40 perscent "uninsured" in this country who need basic health care services. I almost feel like if I could I would do anything possible to give the good people of the USA Obamacare or what is basically an extention of Medicare that has proven to work very well. I didn't really go into how the lowered medical costs under a single payer plan will lower the deficit over the next ten years overall, as I just read that and don't know much about that. Plus everyone will have insurance.
I hope this helps people understand the insurance a little better. I would guess once Obamacare starts in 2014 everyone will be assigned a card to track your charges like they do for your ATM or your passport. This system is very efficient and reliable just like our banking system. We are lucky with the technology available today that the paperwork part will be possible. A lot of private isurances are ramping up preparing for the finalization of the legislation. To me anyone who votes against it is not a good person and is only serving big insurance political money. Sadly, that's how politics works. Thank you, sorry if I misspelled anything I am a terrible speller. Personally I would love to see Oprah or other public figures, TV and print news reporters, the medical profession to get involved in explaining that this is an insurance and not a clinic or anything and works like any insurance. Perhaps Oprah could help educate people and dispell any worries about the change using our understanding about Medicare to reassure and familiarize people. Also I am not exactly sure what the criterias and rules are except in the most general terms common to most insurance coverage. Christine-Coonen