Obamacare Misconceptions

The only arguments I’ve heard so far in support of Obamacare is a) that we should put humanity above profit and b) that people who DO have insurance are lucky because their employer pays for it.

Let’s address each of these arguments.

Humanity over profit is a simplistic… nay, juvenile notion. People are not putting humanity over profit, they are putting their own needs (and family’s needs) above the needs of people they don’t know. That’s not wrong, nor is it immoral. Even if we were to agree that I should care about the well-being of some moron who sits in his trailer all day drinking, I still wouldn’t want the federal government to be my intermediary. Obamacare is not about humanity, it’s about controlling the populace.

Covering more people with less doctors for (supposedly) less money = rationed care and not enough doctors. It’s happened everywhere it’s been implemented. No, there won’t be a “death panel” to decide if you get to live or die, but there WILL be waiting lists for treatment, limits on seeing specialists, etc. Did you know that there’s an additional tax on doctors who refer more than their “fair share” of patients to specialists, even if it’s medically necessary? I am just telling you that doctors are NOT going to put themselves into an additional tax penalty situation. They’re going to choose not to refer you. That’s not humanity over profit.

The other argument about some of us “being lucky” and “having our companies pay for our insurance” are simply ignorant of how it actually works. Companies that carry group coverage for employees are simply administrators. Whether or not the company contributes to the cost of the insurance is entirely up to them, and over the past 20 years, the amount covered by companies has gone down drastically. Where I work, they cover a portion of my insurance premium, and I pay the rest, taken directly from my paycheck. It amounts to thousands of dollars a year that I directly pay for my insurance, and even then, I have a $6,000 deductible before anything is covered during any given calendar year. Do I have insurance? Yes. Does it amount to “free medical care?” Of course not. There’s no such thing as a free lunch. I CHOOSE to pay all that money in case something catastrophic happens – like cancer or a severe accident. I can tell you with 100% accuracy that my insurance company has NEVER had to pay a claim on my behalf. Why? Because I go to the doctor when I’m sick, which is not that often, and it costs $140 each time, and it would take a CRAPLOAD of trips to the doctor to make it to my $6,000 deductible.

Yes, I have insurance, I’m happy that I have insurance, I’m HAPPY with my current coverage, and so far, my insurance has never paid for anything. But someday they might. If I had to be in the ICU for a month, that could be hundreds of thousands of dollars. I’m betting something bad will happen to me, and my insurance company is betting that it won’t. That’s the entire premise for insurance.

Now, when people with preexisting conditions are added, and the government mandates no-limit policies on insurance companies, the amount of money I will have to pay to be covered is going UP UP UP. Obamacare isn’t going to make my healthcare cheaper. It’s going to do the opposite.

If you are for Obamacare, you simply haven’t thought about the logic and about the natural consequences that WILL happen as a result.

Also, if you are one of those people who works but don’t have insurance – guess what – Obama isn’t going to buy you insurance. He only plans on doing that for people below the poverty line (with your tax dollars). If you work and don’t have insurance Obama’s plan FORCES you to PAY for insurance, either a company group plan or a federal insurance exchange. But that’s the thing – it’s NOT going to be free. You will have to pay for it or pay a fine for not having insurance. You will no longer have any say in the matter. I hope you didn’t need that money for something else. Like food.

If you are below the poverty line, first of all, I’m sorry to hear that, especially if it’s not a result of your own poor decisions. You are the lottery winner in all of this, because even rationed care is better than no care at all. However, may I suggest one thing? Don’t ever strive to get above the poverty line, because if you do, you’ll have to pay out the nose for your rationed care.

  9 comments for “Obamacare Misconceptions

  1. March 25, 2010 at 11:24 am

    And yet some of those very same people who don’t want to help others in their own country are at the same time sending money overseas to places like Haiti! I’ve been “lucky” enough to never have paid *extra* for my employer-provided health insurance BUT I don’t consider it to be any kind of gift. It’s a PART of my overall compensation, pure and simple. As you pointed out, I’m still paying for it!

  2. March 25, 2010 at 11:49 am

    I didn’t send a dime to Haiti. The number of people abusing the welfare system is bigger than you think; too bad Obama didn’t have the good sense to reform welfare.

  3. March 25, 2010 at 12:27 pm

    I didn’t send a dime either, WCG, but did you notice the massive donations that *were* sent by Americans? I also agree re: the welfare system, it’s way overdue for an overhaul. I saw a bumper sticker the other day that put it in a nutshell: “If you can’t feed ’em, don’t breed ’em!” Hm, maybe we could institute a similar policy as the Chinese and start selling off the welfare babies? (but only to wealthy families) 🙂

  4. March 25, 2010 at 8:25 pm

    Repeal, Replace, Reform

  5. March 26, 2010 at 2:06 pm

    It’s been my contention wherever this is discussed that the root cause isn’t one of health insurance or access. It’s a problem of prices.

    Health care prices have become so high (for various reasons) that Americans now need health insurance just to get minimum levels of treatment.

    But we have all lost (unless you’re an insurance company executive) when we let the discussion revolve around health insurance and who pays for it. We need to turn the focus toward prices, get that under control so that you don’t need expensive insurance just to stay healthy.

  6. March 27, 2010 at 2:57 pm

    Great blog!

  7. March 27, 2010 at 3:14 pm

    These are the numbers for what's considered poverty:Persons in Family Unit / 48 Contiguous States and D.C.1: $10,830 2: $14,5703: $18,3104: $22,0505: $25,7906: $29,5307: $33,2708: $37,010There are approximately 39.1 million people living at or below the poverty line in the US out of 309 million. That's about 13%. So, 87% of the people in the US are being forced to help, out of their pockets, 13% of the population on top of what their taxes already help pay for in the form of federal assistance, food stamps, free health clinics, etc.

  8. March 28, 2010 at 12:18 am

    To say that there is no crisis in American health care is to ignore the obvious. To try to solve it through the Federal Government is desperate. Why has American gone this route?

    If you say that we have competition, I direct you to go look at the American Medical Association’s statement that they are now intentionally trying to get more M.D.’s elected to put themselves more in control of health care. The government long ago gave M.D.’s a monopoly on health care. “But they are the doctor’s!” people say. Nursing, midwifery, osteopathy, dental, and a host of other health care professions are exactly that, separate professions. Guess who makes the most money? (Hint: guess the guys who control everything)

    So, you say you want choice. . . did you negotiate your last insurance contract? Did you get to negotiate your doctor into the contract? It is called a contract of adhesion, and your boss negotiated it for you. If you are “lucky,” your boss negotiated to get you good coverage. More likely, your boss negotiated for lower costs.

    You say you want choice? Did you know that most hospitals, upon admittance, require pregnant women to sign a paper that completely removes their right to informed consent? More than one mother has been hotlined as an abuser because she wouldn’t sign away her rights. At least one mother had her baby taken away because she wouldn’t consent to a C-section before being examined by anyone.

    I’m not a big fan of big government (probably wouldn’t read this blog if I was!) I don’t think that the health care plan as passed is “the answer.” I do know that we, as Americans, are getting what we deserve because we signed away our rights to make our own decisions decades ago. We gave them to the allopathic doctors and the insurance company lawyers.

  9. March 28, 2010 at 12:32 am

    Just to make a stronger point on the matter, consider the perspective of both lawyers and allopathic (M.D.) doctors.

    Being a lawyer is the only career where pessimists outperform optimists.

    An M.D. is focused on finding what is wrong with you and fixing it.

    When something goes wrong (broken arm, speeding ticket, cancer, divorce, asthma, civil rights violations) these guys are great to have around. If nothing is wrong with you, these guys aren’t usually so helpful.

    You want to save money on health care, I have just one suggestion for you. The most common surgery in America is a Cesarean Section. Professional estimates from other countries with better outcomes suggest our rates are twice what they should be. Why do we have so many surgeries?

    Start by asking yourself what specialty an OB/GYN is. (Hint: NOT women’s health care) They are SURGICAL specialists. . . So, we send pregnant women almost universally to surgeons, and we end up with more surgeries than we need. Most people are trying to figure out why this happens. I’m trying to figure out how people could not already know.

    Look, this would be like requiring every couple to go see a divorce lawyer for marriage counseling. It is just ridiculous.

    I definitely agree with Incredipete on one thing, if we want to fix health care, we need to have more competition. We don’t need health insurance competition, we need to get other health care professions out from under the AMA (Note: AMA does not represent all M.D.s, and there are many wonderful M.D.s and OB/GYNs out there. The good ones are usually just to busy seeing patients to be running for office or lobbying)

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