political

Insurance 101 For Paul Ryan: The Healthy Are Supposed To Help Pay For The Sick

Paul Ryan is aghast that healthy individuals are paying into an insurance pot that’s used when people are sick. But … that’s exactly the way insurance works.

Twitter positively erupted Thursday to school Mr. Health Insurance on the concept.

Everyone pays into the pot and draws on it when they’re sick. Younger people, who tend to be healthier than older people, pay for health insurance like everyone else. They’ll rely on it when when they need it, probably more when they’re older and there are younger, healthier people filing in behind them. It’s the same with car insurance. Some people pay for decades and never get into an accident and never collect on their coverage (though the likelihood of anyone never using health insurance is unlikely).

Insurance 101 For Paul Ryan: The Healthy Are Supposed To Help Pay For The Sick

Paul Ryan is aghast that healthy individuals are paying into an insurance pot that’s used when people are sick. But … that’s exactly the way insurance works. Twitter positively erupted Thursday to school Mr. Health Insurance on the concept. Everyone pays into the pot and draws on it when they’re sick.

Obamacare Lite? New GOP Health Care Bill Has Host of Critics

Ron Pollack, executive director of Families USA, a strong supporter of Obamacare, said it will return many Americans to pre-Obamacare days.

“This bill would strip coverage from millions of people and drive up consumer costs. It shreds the Medicaid social safety net that serves more than 72 million people, including many children, senior citizens and people with disabilities,” said Pollack. “And it once again leaves millions of people in America with chronic illness and disease at the mercy of insurance companies.”

 

The new GOP health care plan looks a lot like Obamacare to some

A new Republican health care plan keeps much of the basic framework set up by Obamacare, but with a conservative twist, analysts say. But it’s full of holes, with no detail on how to pay for its provisions and no estimates at all of how much it will cost taxpayers.

The Affordable Care Act

 The Patient Protection and Affordable Care Act

   Aka Obama Care

 

 

This document can be utilized in addressing your federal representatives regarding the Affordable Care Act (ACA). You can also use the document to forward to your Congressman or Sen. to ask whether all the provisions will exist in the replacement plan. Not every section of the act is included below as some are strictly for administrative or ministerial purposes. You should understand that every American that has health care coverage is impacted by all the provisions affecting healthcare services in the ACA. As a result, eliminating any of the health care provisions, such as preventative health services would affect more than 300 million Americans.

We should note that most of the time in the media you hear comments  about the 20+ million people who currently have insurance because of the ACA possibly losing coverage. You may also recall hearing comments by Republicans indicating they will keep provisions such as leaving children on their parents plan until age 26 and maintaining coverage for pre-existing conditions. But there are some provisions rarely discussed by the media and at Town hall meetings that affect every American with health insurance coverage. These include provisions for preventative health services and no differentiation between men and women for premium cost. Prior to implementation of the ACA women were charged more than men for premiums.

 

 

 

Sec. 2711.  No lifetime or annual limits. Prohibits all plans from rescinding coverage except in instances of fraud or misrepresentation.

Sec. 2713. Coverage of preventative health services. Requires all plans to cover preventative services and immunizations recommended by the U.S. Preventive Services Task Force and the CDC, and certain child preventive services recommended by the Human Resources and Services Administration, without any cost – sharing.

These preventative services were built in to the ACC and are covered by plan premiums. Prior to the establishment of the ACA, these services were not included in a typical plan.

Sec. 2714. Extension of dependent coverage. Requires all plans offering dependent coverage to allow unmarried individuals until age 26 to remain on their parents health insurance.

Sec. 2716. Prohibition of discrimination based on salary. Employers that provide health coverage will be prohibited from limiting eligibility for coverage based on the wages or salaries of full-time employees.

       Prior to the ACA, some employers required a minimum salary level in order to participate in healthcare coverage.

Sec. 2718. Breaking down the cost of health care coverage. Health insurance companies will be required to report publicly the percent of total premium revenue that is expected on clinical services, and quality rather than administrative costs. Health insurance companies will be required to refund each enrollee by the amount by which premium revenue extended by healthcare insurer for non-claims costs exceeds 20% in a group market and 25% in the individual market. The requirement to provide a refund expires on December 31, but the requirement to report percentages continues.

Sec. 2702. Guaranteed availability of coverage. Each health insurance issuer must accept every employer and individual in the state that applies for coverage, permitting and he will and special open enrollment periods for those with qualifying lifetime events.

Sec. 2703. Guaranteed renewability of coverage. Requires guaranteed renewability of coverage regardless of health status, utilization of health services or any other related factor.

Sec. 2704. Prohibition of pre-existing condition exclusions or other discrimination based on health status. No group health plan or insurer offering group or individual coverage may impose any pre-existing condition exclusion or discriminate against those who have been sick in the past.

Sec. 2708. Prohibition on excessive waiting periods. Prohibits any waiting periods for group or individual coverage which exceed 90 days.

IndivisibleAmerica-usa  Feel free to download the file to your page or group from our page. Go to files.

R.J. Intindola

 

Anti Trump Protest Signs

WASHINGTON, DC – JANUARY 20: Protesters and supporters stand at a security checkpoint leading to the National Mall for the inauguration of Donald Trump on January 20, 2017 in Washington, DC. Today Trump is sworn in as the 45th president of the United States. (Photo by Jessica Kourkounis/Getty Images)

Indivisible Survey # 1

GOP Congressmen Too Scared To Hold Town Hall Meetings

GOP Congressmen Too Scared To Hold Town Hall Meetings

TYT Politics Reporter Michael Tracey (https://twitter.com/mtracey) did a live report on the Republican representatives who are suddenly running from doing town halls in the wake of a Donald Trump presidency. Rep. Rodney Frelinghuysen (R-NJ) nowhere to be found: www.wnyc.org/story/new-jersey-residents-hold-town-halls-without-their-congressman/ CA Congressional delegation schedule: https://ww2.kqed.org/news/2017/02/15/here-are-the-california-congressmembers-holding-town-halls/ Rep.

Joni Ernst, mitch mcconnell Town Halls tea party of the left 2/21/17

Joni Ernst, mitch mcconnell Town Halls tea party of the left 2/21/17

Joni Ernst, mitch mcconnell Town Halls tea party of the left

Mitch McConnell and Republicans Experience Eruptions at Town Halls | All In | MSNBC

Mitch McConnell and Republicans Experience Eruptions at Town Halls | All In | MSNBC

Town hall meetings across the country bring angry constituents to the forefront for Republican members of Congress. Subscribe to MSNBC: http://on.msnbc.com/SubscribeTomsnbc About: MSNBC is the premier destination for in-depth analysis of daily headlines, insightful political commentary and informed perspectives.

Know Your Rights: Free Speech, Protests & Demonstrations

Know Your Rights: Free Speech, Protests & Demonstrations

You have the right to speak out. Both the California Constitution and the First Amendment to the United States Constitution protect your right to free expression. But there are many questions you face when you decide to organize and speak out. When do you need a police permit?

Trump Might Be a Dream Come True for Megarich Campaign Donors

Trump might be a dream come true for megarich campaign donors

Dark money helped elect him. And now the “rigged” system could get even worse.

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