Presidential debates on ABC right now-both parties
Comments
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Tina, I haven't gone the the website about Mass's health care insurance. Can one start an HSA instead of buying insurance? Even that when one is on a very limited income is hard to do. I know. We had three girls and I didn't have a job OUTSIDE the home. It was very difficult. However, my dh worked for Bell South and we had insurance. Some people do not have that privilege.
Healthcare for ALL is a darn hard subject. Like we ALL know there's no easy answers.
I saw some of the debate last night. According to Romney he said "we" (I don't know who "we" are) asked people on the street if they had health insurance. When they answered "no" they were asked "why." He said they said why have insurance when we can go to the hospital and not pay. I do NOT believe ALL people said that. Perhaps a few. But I think we all want affordable health care.
I am against government "managing" my health care. They can't take care of social security or Medicare. They can only make sure they take care of themselves..on the "Hill." I'm very angry about the insurance I now have since AT&T bought out Bell. I know people are sick of me saying this over and over. Our deductible changed from $200 a piece to $2200...we have to reach a $2200 deductible whether my husband uses it or not (which he does) before they'll pay 90%..however we chose a higher premium in order to reach an out of pocket of $4400..then they'll pay 100%. But, BUT, if we go out of network we have to reach a deductible of $6600 in order for them to bay 60%! So, I'm stuck. I can't go to just anyone I want to...it's very bad compared to our last insurance and I'm mad as hell.
Okay, I'll shut up about myself. I should feel blessed to have any kind of insurance.
Shirley
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Gina, I've often wondered why is jaw was swollen. I thought perhaps something to do with an enjury while in Nam. Thanks for sharing.
Shirley
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Shirley, be careful about what the insurance will actually allow towards your deductible.
Most plans at this point DO NOT COUNT the amount you pay out-of-pocket, actual cash, but what they consider the usual and customary charge. So, you may pay a specialist $500.00 for a consultation, pay them cash, file it with your insurance company towards your deductible, and they may say the usual and customary charge for that service is $220.00, or even less, and that is the amount you will have credited towards your deductible.
I hate the insurance companies. I would like to have some candidate address what they will do to have these insurance companies actually pay their policy holders what they have contracted for, and have been paying premiums for, for many years. And to do something about that fact that in this country, it is not you and your doctor who are determining your treatment, it is your insurance company and some bozo in their employ, not a doctor, not a nurse--someone whose job it is to deny as many claims and pre-certifications as possible since a huge number of people who have claims denied just walk away and accept it. It is indeed the minority whose claims and pre-certifications are denied, who push it, and then the insurance companies do pay.
What does that cost in man hours and stress on our physicians, their staff, and the patient?
Yup, our healthcare system in this company needs fixing, but I think to just force folks to purchase medical insurance for high prices, and the insurance companies will deny a huge portion of claims made under that policy as "medically unnecessary?
I don't have answers--but someone has to step in and change the way the health insurance companies do business, as well as how they raise their premiums. Unfortunately, here in NY, since Gov. Spitzer change the laws in the late 90's the insurance companies can simply raise their rates as they see fit--prior to that, they had to have permission from the NYS Insurance Department, and had to prove why they needed a rate increase.
Okay, rant over. Back to the theme--debate tonight in just about an hour.
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OneBadBoob, I so agree with you. LIke I said, I had marvelous insurance before this year's change. I can tell you that I paid nothing for chemo...well I had to meet that $200 deductible...never paid for a Neulasta shot...never paid for blood work....I had a $15 co-pay, my prescription plan was phenomenal.
I think I'll only have to pay the customary fee when I see my docs. However, that would mean (I suppose) that they would have to bill me instead of me paying upon leaving. You know how doctors like to be paid BEFORE you leave. I'll have to call the insurance company about that.
I just found a lymphedema therapist I love. I used her two times last year BEFORE my insurance changed. She's out of network and I cannot afford to see her again. She charges $160...can't pay that and then have to reach that second deductible of $6600. Rediculous!
I feel trapped. I feel like I'm almost in an HMO although I don't need referrals to specialist. I do have to make sure they're in my network.
Oh, and the insurance company gave me four names for LE therapy although they don't know if they do THAT KIND of therapy. The representative was quite snippy with me. My BCBS people NEVER were rude. Oh, but I can be rude right back!
Okay, back to politics. Thanks for the heads-up.
Shirley
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Wanna lighten up and laugh...sorry Joan. This is YouTube.
I'm sure you've seen this, but I laughed anyway. The first one is at Reagan's funeral. I saw this when it was televised. LOL
http://www.youtube.com/watch?v=DQVgHx_cdEA&NR=1
The second one was Bill taking nap at the MLK service. If you notice, after he nods off on the second nodding off and he catches himself he nods as in affirmation of what the speaker was saying. At the last he even looks at his watch. Poor guy. Too much campaigning.
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I'm not looking for universal health coverage. I am seeking a reduction in the COST of health care, on all levels.
I am seeking members of congress who will forgo the lobbies who add Billions to the COST of health care --- from the drug companies to the trial lawyers who up the cost of MRI machines thru law suits and docs ordering too many tests because they practice defensive medicine.
The greed in congress and medical care is never satisified.
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Thank you, Anne.
My gut reaction to Mitt is bad.But now I can clearly see this man is no candidate!
Amy, happy that Hillary took responsibility for her HUSBAND's bad behavior.I would have liked her to take responsibility for her OWN, too.
AND apologize.
(PLus I dont beieve she would have done this if her campaign hadnt told her that their lousy attitude is spoiling her chances.Somehow she figured it a good way to act.)
Intelligence.That is something else we hope for, in a candidate.
Oh.And I see she is demanding "her delegates" again, in florida this time.How can she think being the only Dem on a Rep ballot and then demanding her delegates is..clever???
Gina, the poor thing(McCaine) has LE!!Sorry! He cant even get a sleeve, for his poor face.
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Dottie, I entirely AGREE with everything you've just said!!
The whole crookedness of healthcare is too awful.
HEALTH!!
But you forgot to mention doctors who cozy up to the drug companies--winning cruises for prescribing lots of a company's drug?Having their private drug-rep pets, and not prescribing other companys' drugs?
Hearing (and reading)these tales throughout my TX has made me not have as much faith in my onc' decisions as I would like to....)
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Joanie, as you know, i'm active in the medical community. I can assure you that just as a few docs make a bundle on selling prescriptions for narcotics for the street, a FEW docs are in the drug company pockets.
Besides reading about these docs who are doing these unethical, immoral things, you have surely read about the whole offices and universities who are removing ALL items with a drug or drug company name on them, even sticky notes and pens. Scores of offices refuse to allow drug detail people in at all anymore.
I totally agree with these measures even as one who has eaten more than a few drug detail lunches in my time and who, also, has taken gifts to doc's offices.(mine were thank you's to the staff and I wasn't with a drug co or soliciting business)
I'm out to get the docs, like one in my community, who was not only diagnosing people with cancer who didn't have it, but was giving HALF doses of chemo to those who DID, and charging full price.
She's in prision now, the feds got her, thank god. (her patients Loved her) wtf.??
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Joan, my primary will give us samples to try instead of first filling a prescription which may not suit us. I know he doesn't cozy up with the reps. If I ask for, say, a different antidep he will let me try it. And, if he has samples he will first give me those.
I would hate to find out that my doctor was a "crook."
And, Dotti, I agree with you also. Now I have to glance over Mitts healthcare plan that he touts to be so wonderful.
Let me add...my BIL and SILhave worked for mainly themselves for many years. My BIL is an architect. SIL has worked for other companies as an accountant and has worked for herself also and is now. They do not have health insurance. Yes, I know it's very expensive. However, they managed to build a very nice home in the mountains..can't wait to go there...dh hates heights..LOL The did do a lot of the work themselves. But I'm quite sure it was very costly. Anyway, after I was dxd with bc they started looking into policies. They didn't get one. I'm sure at their age it was even more expensive. Why I mention this is I believe people do make choices or have their priorities. I would much rather have a nice vacation home than buy health insurance. He is my age (I'm six months older) and will be 62. My SIL is going to be 60. I figure they're waiting for Medicare at this point. Thank God that they haven't had BIG problems and hope they never do.
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Oh, Dottie, that's horrible!!! How in the world can a doc do this? "First do no harm." (Is that correct?).
Shirley
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Dottie, I NEVER meant to step on your toes!I dont know you are active in the medical community!(What doing?)
The news you bring is marvellous!
It might be just up here in the Evil East.We, the patients, are all covered, happily, head to toe, in drug company's names.The DCs give a fair every year!Arcades of tables where each gives away marvellous gifts!My very best beach bag says fulvestrant(Faslodex).
I have a beautiful black canvas multipocketed zipped over-the-shoulder bag which says Novartis, I think.(I inked the writing away.I really love to carry that bag.)Sitting in my room I have a sweet,red chenille bear in a tee-shirt which says--uh.I put his shirt on backwards so I dont see the ad.)
I still have zipper kits galore-manicure sets, hand cremes, books of puzzles and games.From the Things to do While Receiving Chemo category.I have fancy water bottles, and sure, a million pens.Etc etc etc.I wentto the fair the year I was in chemo.I spoke with the reps for my chemo, the Txotere girl had a LOT to answer for.And I took everything offered, feeling totally entitled and glad to be cashing in on some of the loot.
Because you remember that my younger daughter is a chemo nurse?It is from this I know that the drug cos give, at least monthly, dinners at very expensive restaurants.Everyone in, in this case the oncology field, is invited.("Going to the drug dinner at Yang Ming?")They are wined & dined, and given an update on the newest drugs or improvements.
And so it is this that makes me wonder how they bribe my onc.
I have met drug reps in his office-pairs always, woman and man, both slender and very healthy-looking.They are at the desk, sweetening up the receptionists, and announcing their appointment with which onc.
So--no, no way they've gotton rid of them here.
And really it is still not awful to me.What is awful is the drug lobbiests lobbying bad drugs through congress.
Anyway Dottie, I'm sorry if you thought I was toe-stepping.
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Shirley I'm sure your doc isnt a nasty crook!He is the one you like, and you wouldnt like a crooked guy.
As for your SIL&BIL, I dont blame them a bit!After all I'm sure they have budgeted for problems, should they arise.(They wont.)
And waiting 3 years for medicare is sooo tempting.Who wouldnt?
I have always had health insurance in my middle years.Because of my nurse daughter, who is familiar w/hospitals taking people's earthly possessions-car, house, to pay a hospital bill..
And funnily enough, my COBRA from my ex-husband took me right through my treatment.How...whatever.
Next I had to get insurance for the 3 years until medicare.Which is why I was so delighted to turn 65
.To get my femara SORT of covered, I had to take out the most expensive plan of BCBS.And I could only think how much would have saved if I just PAID the $250 a month.(As opposed to over $700 for insurance that only paid $100 for the Femara)
But there-we are all terrified of something happening.Who could be w/out insurance now?
Best of health to all, and may our insurance money be wasted!
XXX, j
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Joan, sometimes I think we just wish our lives away. It's maddening to think we can't wait to reach 65. My dh will reach that next year. I've got three more years to go.
Right now we pay approximately $400 a month for insurance (that includes dental...limit $1300 a year) which comes to a grand total of $4800. That's not including the $2200 deductible before they pay = $7,000 a year. And on a fixed income...not good. And as I understand it, once we reach Medicare age we still have to reach the $2200 deductible before the pay what Medicare doesn't pay.
I'm sure the premiums will be cheaper. Oh, well......Shirley
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Amy--About McCaine, and his statements about gay rights and women's rigjhts..I was going tpo say something but felt I would draw some DETAIL-wanter.
But tonight I was reading a forum at MSM about the election, and I came across this, and have copied & p[osted it to you:
NOTICE TO CLINTON SUPPORTERS=====VOTE FOR WHO YOU WANT==BUT DONT LIE ABOUT WHAT CLINTON DID FOR YOU. CLINTON HAD A REPUBLICAN CONGRESS BOUND BY THE CONTRACT WITH AMERICA, HEADED BY NEWT GINGRICH. PRESIDENTS CANT MAKE LAWS==ONLY CONGRESS==THEY CAN APPROVE THEM OR VETO THEM. SO ALL THOSE GOOD TIMES WERE BROUGHT BY THE REPUBLICANS===ALL BILL HAD TO DO WAS SIGN AND PLAY WITH MONICA
DAVID ANDERS , PHARR, TX. (Sent Tuesday, January 29, 2008 1:24 PM
Bitter, but true.President himself really cant do much.After all, bush is hysterically anti women's rights and anti stem-cell research.As was Reagan.
But they abortions still arent outlawed, stem cell research is still being performed, lesbians have been being married....
Being old and knowing this, I dont base my vote so much on the issues, as on whether or not I respect the candidate, and trust him/her to make good decisions.And how America will appear to Europe and the word.VERY important!
There will always be opposition from other party, and America will always have Balance of Power, TG! NOT a dictatorship.
Shirley, at $700 a month, PLUS the deductable, plus a large chunk of price of drugs, yeah I wished my 3 years away.I kept seeing all these CRUISES I could have taken......
Shy even now because of my bc TX experience, I will keep the most expensive Medicare D plan w/all the bells & whistles.I think it is, like, $400 a month total, no deductable, and free generics even in the coverage gap.And Femara cost $50 for a pack of 3 at Rite Aid.
Now in '08, it is about $150 for a 3-pack. generics are $8.00.
Still OK.
So definately worth waiting for!!
Time to take Woody down for last time tonight!He has stopped snoring and the silence is DEAFENING!
Good night!
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Shirley, no. Health savings accounts are not insurance and they don't count as such under the new state mandate.
Tina
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Who saw the democratic debates? I was surprised how civil it was and seemed to genuinely be so. As much as I love Barack, I GET that he was against the war from the beginning as was I and that Hillary voted for the war. He doesn't need to keep saying it. I understand Hillary believes she made the best choice at the time- clearly in hindsight that was wrong. She won't admit to her mistakes-- just like George Bush refuses to do.
I do worry about a co-presidency Billary Clinton and also that she can contain Bill. I remember when Bill ran for president and he advertised "two for one" with Hillary. Whoever the president, s/he needs to be sure the spouse isn't trying to be "helpful" and is actually not helpful to the needs of the country. Don't get me wrong, I think Bill was a good president- I just worry with his ego and with Hillary's the best interests of the country might not always be served.
The crowd sure roared at the prospect of a Obama/Clinton or Clinton/Obama ticket. Hillary seems the type not to want to be overshadowed and I think Obama's mass appeal and inspirational way of speaking would do that if he were the veep. I'm not sure I trust her as Veep not to want to overshadow the president and thrown in passive-aggressive digs to try to make herself look better and further her ambitions. It's possible she could do it, I've just never seen her in the role.
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Hi Amy, I watched last night!
goodness gracious, What Debate??? they never did Debate!
I have no Idea what that was all about!! I hope they don't think this will be an easy ride for them!!
Puppy
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You're right, it wasn't much of a debate it was a mutual respect "we're both good, but i'm better" 2 hr discussion LOL.
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Joan---Forget Yangming--While Pfizer was pushing Lyrica at at time none of the insurance company's would cover it except for diabetic neuropathy-
Well they were giving out dinners at MORIMOTO'S.
I've been to a couple of dinners at the Four Seasons and Susannah Foo
One of the Doctors wives was out of town.----When the Docs go dining
the staff gets pens and sticky pads instead of lunch.
Dottie- What is just as frightening a prospect as having a medication used because someone agreed to listen to a spiel and get dinner---Is the fact that this is the only way some Docs get information on medications.----(aside from the yearly credits they have to accumulate--which are many times a joke!)
Frightening -isn't it!
Do you really think that most physicians run home and read all those junk periodicals? I can assure you the only ones most of them pick up
are those with the titles of Physician Economics somewhere on the cover page.
I know I read more journals than the Docs at our practice. Frankly all the additional burdens of managed care have left Doctors with less time to practice medicine and very overworked waiting for someone to buy their ever dwindling practices or retirement---This may not be as true with the specialties-I don't know. But I do know that the ever-rising cost of malpractice insurance must affect the specialties as well.
The whole damn thing is a mess.
I'd love to vote for a candidate that wants universal health care but I am a realist---Unless you have a big majority of Democrats in both houses it
will never go anywhere. So that will not be my criteria for voting.
Shirley-I've made it to SSI and Medicare through Disability. I'm afraid to
have anything but Medicare as my primary with my complicated medical care, so I have elected to get a Medigap plan. Between what Medicare takes out monthly for coverage and having to come with $412 every two
months --Fortunately with that coverage I pay absolutely nothing additional out of pocket except medication. That leaves me $6000 to live on for the year.------And you think
I can get help? Not unless I access and use up my meager IRA---And then what will I live on? I'm 58 and what there is of that will last very little time. I'm one of those who falls through the cracks! Don't think either party will do me much good.
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Saluki, I thought of you while listening to the (non) debate last night. Particularly when Hilaricare was discussing the Medicare hole (well, I think she discussed it) and how her plan may change that.
REWIND THE TAPES: we got to get this down! If there is a voter backlash (sorry, I'm not trying to point fingers here) then truly, we should clearly know how our healthcare payments and care may be impacted with a democratic president.
OR WAIT, forget that, both democratic nominees were seen shaking their head in unison to allowing the 2010 tax cuts expire! Well, there goes some more of our money to taxes....
In one hand, out the next...same old same old. Oops, I meant same old "change."
Tender -
Thats the reason I would take a chance on McCain. More than any other candidate, I feel he would do what he believes is right at the possible expense of alienating many in his party--Just strikes me this way in the gut.
If you are going to be able to get things accomplished you need to be able to make concessions.
Also, if anyone knows the consequenses and horrors of going to war---he does and any decision he makes in that vein I would trust to be a responsible one.
That's not saying that I will vote Republican -only that it will be a difficult decision for me in November.
I know in the next few months he will have to move to the right to try to extend an olive branch, so I know I'll have to close my ears if I want to continue to view him in this light.
Here is an excerpt from today's NYT. The very reasons I like McCain are the reasons the Conservatives distrust him.
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Many on the right, though, say Mr. McCain has a lot of explaining to do. Not only did he vote against President Bush’s tax cuts and a constitutional amendment banning same-sex marriage, Mr. McCain has also supported embryonic stem cell research and stricter environmental regulation. He fought for looser immigration rules. He championed campaign finance rules that many on the right consider a violation of free speech. And he made a deal with Democrats to break a deadlock on judicial nominations that many on the right considered near treasonous.
Anger over that deal flared up again this week when a Wall Street Journal columnist, John Fund, reported that Mr. McCain had privately criticized Mr. Bush’s Supreme Court nominee Justice Samuel A. Alito Jr. because “he wore his conservatism on his sleeve.”
The McCain campaign quickly denied that he held such a view, noting that the senator voted for Mr. Alito’s confirmation and routinely praises his selection on the stump. But conservative activists say the charges nonetheless reminded them of their doubts. -
WOW Saluki, I so Agree!!!!!!!!
talk about a NEW Change!! I think McCain is It!!
Puppy
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By the way Anne Coulter says if McCain gets the nomination she'll campaign for Hillary.
That itself would be enough reason for me to consider McCain for my vote.
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Buhlieve me, if Billary gets the nom, IwillSO happily vote for McCaine!
And what you just said Susie"The reasons the conservatives dislike him are the reasons I like him" goes for me too!!
Sign Me
The Anti-Hillary
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The great thing about our constitution is the checks and balances that the writers had the forethought to create. We always get into trouble when one party has total control. That is why I was happy to see the dems take over the house last year, even though I am a republican. So I think this is the perfect scenerio: the house stays dem, the senate stays even, and the president is McCain. Then everyone has to compromise or no one will get anything. Also, no one can pass the buck and blame everything on the other party because everyone is equally responsible. McCain has proven that he is willing to work with both sides, and I love the fact that maybe he and Leiberman can continue to stress that we all work together to get this country moving again. If Hillary wins, we will just have more polarization. I will always despise her, not just for that fact that she allowed her husband to make a fool out of so many women, but because she had to make that crack about "Well, I could have just stayed home baking cookies". Well I was one of those Mom's who gave up a career to bake cookies and stay home with my sons, and I am so glad that I did because now I have raised two well adjusted young men who will make the world a better place. I was not the type of person who can juggle everything, so when she basically said that people like me were wasting their time, I was furious!
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How do you feel about the McCain-Kennedy Immagration Reform Bill?
Shirley
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At this point I'm more and more not liking my choices.
Shirley
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Shirley--McCain's state is probably one of the ones most affected by this issue and he's probably been dealing with it one way or another for a long time. But he knows this legislation is dead and from the debate has no intention of addressing any controversial parts of that bill now and will concentrate instead on reinforcing the borders.
He got the message.
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Linda--me too!!
"If Hillary wins, we will just have more polarization. I will always despise her, not just for that fact that she allowed her husband to make a fool out of so many women, but because she had to make that crack about "Well, I could have just stayed home baking cookies". Well I was one of those Mom's who gave up a career to bake cookies and stay home with my sons, and I am so glad that I did because now I have raised two well adjusted young men who will make the world a better place. I was not the type of person who can juggle everything, so when she basically said that people like me were wasting their time, I was furious!"
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This is why I despise hillary "from the last movie"
And what did SHE do that was so earthshakingly important?
I chose to stay home with my kids too and also am very glad I did.Gosh!Even my grandkids are teenagers now!Time flies by when children are small.
And I can't think of anything more important than spending it with them!
I DID make cookies, but only when it snowed.(They shoveled the walk).
And I cooked, and I cooked, and I cooked.But they did not eat frozen food, or fast food.
Later my house was full of kids, at dinnertime
.How many of their friends would show up!Because their moms--wouldnt stay home & "just bake cookies."HMPH.
I said a long time ago, how EASY and glam to go on w/your career!Lovely clothes, someone to do the housework, and raise the puppies.No baby throw-up on your shirt when you answer the door.
Well I was one very insulted woman, and I have never gotten over the outrage of her "cookies" speech.
And what about her "Stand By Your Man" speech? )Complete w/Tammy Wynette accent)When the Gennifer Flowers issue came up.
I thought she was insane then.And a dead liar.
Haha, stupid me, I thought she was driven by unholy ambition to be the first lady!HAH!!
I
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