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Thread: Affordable Care Act upheld.

  1. -101
    Dolphins9954's Avatar
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    So who do I have to F to get an Obamacare waiver????





    "Politics is the Art of Looking for Trouble, Finding it Everywhere, Diagnosing it Incorrectly, and Applying the Wrong Remedies"
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  2. -102
    trojanma's Avatar
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    2013 Dolphins LogoTannehill 17Dolphins Homer
    Do some of you guys have anything else to offer except these unintelligible quips.
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    Quote Originally Posted by trojanma View Post
    Do some of you guys have anything else to offer except these unintelligible quips.
    [youtube]zMDs8MEktHE[/youtube]
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  4. -104
    trojanma's Avatar
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    2013 Dolphins LogoTannehill 17Dolphins Homer
    I will offer some criticisms and concerns over the ACA from the point of physicians.

    The mass expansion of medicaid is one.
    Medicaid is very limited and I suspect that most if not all private practices will not agree to see patients with it. This will shift a very large population of patients to non-profits and universities. Those institutions do not have the infrastructure to deal with them.

    The calculations that suggest the budget benefits of the ACA are largely tied to doctors accepting built in reductions in payouts this may drive many smaller and less profitable clinics out of business further restricting access to care. Doctors tacitly accepted these built in reductions with the understanding that hey will be fixed down the road.

    Our medical system is not generally equipped to deal with a large influx of patient.
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    2013 Dolphins LogoTannehill 17Dolphins Homer
    Quote Originally Posted by Dolphins9954 View Post
    [youtube]zMDs8MEktHE[/youtube]
    This says a lot more about you than it does about me.
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  6. -106
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    Quote Originally Posted by trojanma View Post
    This says a lot more about you than it does about me.
    Get a grip bro. A little comedy is in order when talking about this piece of sh!t bill along with all the government does to us from both sides of the aisle.
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    Valandui's Avatar
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    Apparently Rick Scott is refusing to implement it in Florida. We'll see if this holds up.

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  8. -108
    JTC111's Avatar
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    Quote Originally Posted by JamesBW43 View Post
    I haven't been able to find the section myself, but I've read from other sources that insurance companies will have to spend 85% of an individual's insurance premiums on...
    It's called a "medical loss ration" and it's actually either 80% or 85%. The former is for the small group and individual market; the latter for the large group market. Here's the text in the bill for that secton.:

    ‘‘SEC. 2718. BRINGING DOWN THE COST OF HEALTH CARE COVERAGE. ‘‘(a) CLEAR ACCOUNTING FOR COSTS.—A health insurance issuer offering group or individual health insurance coverage (including a grandfathered health plan) shall, with respect to each plan year, submit to the Secretary a report concerning the ratio of the incurred loss (or incurred claims) plus the loss adjustment expense (or change in contract reserves) to earned premiums. Such report shall include the percentage of total premium revenue, after accounting for collections or receipts for risk adjustment and risk corridors and payments of reinsurance, that such coverage expends—
    ‘‘(1) on reimbursement for clinical services provided to enrollees under such coverage;
    ‘‘(2) for activities that improve health care quality; and
    ‘‘(3) on all other non-claims costs, including an explanation of the nature of such costs, and excluding Federal and State taxes and licensing or regulatory fees. The Secretary shall make reports received under this section available to the public on the Internet website of the Department of Health and Human Services.
    ‘‘(b) ENSURING THAT CONSUMERS RECEIVE VALUE FOR THEIR PREMIUM PAYMENTS.—
    ‘‘(1) REQUIREMENT TO PROVIDE VALUE FOR PREMIUM PAYMENTS.—
    ‘‘(A) REQUIREMENT.—
    Beginning not later than January 1, 2011, a health insurance issuer offering group or individual health insurance coverage (including a grandfathered health plan) shall, with respect to each plan year, provide an annual rebate to each enrollee under such coverage, on a pro rata basis, if the ratio of the amount of premium revenue expended by the issuer on costs described in paragraphs (1) and (2) of subsection (a) to the total amount of premium revenue (excluding Federal and State taxes and licensing or regulatory fees and after
    accounting for payments or receipts for risk adjustment, risk corridors, and reinsurance under sections 1341, 1342, and 1343 of the Patient Protection and Affordable Care Act) for the plan year (except as provided in subparagraph
    (B)(ii)), is less than—
    ‘‘(i) with respect to a health insurance issuer offering coverage in the large group market, 85 percent,

    or such higher percentage as a State may by regulation determine; or
    ‘‘(ii) with respect to a health insurance issuer offering coverage in the small group market or in the
    individual market, 80 percent, or such higher percentage as a State may by regulation determine, except that the Secretary may adjust such percentage with respect to a State if the Secretary determines that the application of such 80 percent may destabilize the individual market in such State.
    ‘‘(B) REBATE AMOUNT.—
    ‘‘(i) CALCULATION OF AMOUNT.—The total amount of an annual rebate required under this paragraph shall be in an amount equal to the product of—
    ‘‘(I) the amount by which the percentage described in clause (i) or (ii) of subparagraph (A) exceeds the ratio described in such subparagraph; and
    ‘‘(II) the total amount of premium revenue (excluding Federal and State taxes and licensing or regulatory fees and after accounting for payments or receipts for risk adjustment, risk corridors, and reinsurance under sections 1341, 1342, and 1343 of the Patient Protection and Affordable Care Act) for such plan year.
    ‘‘(ii) CALCULATION BASED ON AVERAGE RATIO.—
    Beginning on January 1, 2014, the determination made under subparagraph (A) for the year involved shall be based on the averages of the premiums expended on the costs described in such subparagraph and total for the plan.
    ‘‘(2) CONSIDERATION IN SETTING PERCENTAGES.—In determining the percentages under paragraph (1), a State shall seek to ensure adequate participation by health insurance issuers, competition in the health insurance market in the State, and value for consumers so that premiums are used for clinical services and quality improvements.
    ‘‘(3) ENFORCEMENT.—The Secretary shall promulgate regulations for enforcing the provisions of this section and may provide for appropriate penalties.
    ‘‘(c) DEFINITIONS.—Not later than December 31, 2010, and subject to the certification of the Secretary, the National Association of Insurance Commissioners shall establish uniform definitions of the activities reported under subsection (a) and standardized methodologies for calculating measures of such activities, including definitions of which activities, and in what regard such activities, constitute activities described in subsection (a)(2). Such methodologies shall be designed to take into account the special circumstances of smaller plans, different types of plans, and newer plans.
    ‘‘(d) ADJUSTMENTS.—The Secretary may adjust the rates described in subsection (b) if the Secretary determines appropriate on account of the volatility of the individual market due to the establishment of State Exchanges.
    ‘‘(e) STANDARD HOSPITAL CHARGES.—Each hospital operating within the United States shall for each year establish (and update) and make public (in accordance with guidelines developed by the Secretary) a list of the hospital’s standard charges for items and services provided by the hospital, including for diagnosis-related groups established under section 1886(d)(4) of the Social Security Act.’’.
    (g) Section 2719 of the Public Health Service Act, as added y section 1001(4) of this Act, is amended to read as follows:
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