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RE: What does it mean for dental care? - 3/26/2010 7:31:39 PM

TreasureKY

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quote:

ORIGINAL: ThatDamnedPanda

I didn't realize that; you probably weren't aware then that of the three of of us, PA was the only one opposed to the bill.

Actually I was aware. To be honest, I oppose the bill, myself. But it doesn't matter if I do or don't... I don't believe providing correct information is either an endorsement or condemnation.

quote:

ORIGINAL: ThatDamnedPanda

Actually, I took his question to be much broader than the issue of whether it would be covered in the final version of the law - I wonder if the actuarial reworking of the numbers on the health insurance industry will have an impact on the costs of dental insurance. If you push the balloon in somewhere, it bulges out somewhere else. If health insurance becomes less profitable, will the grave robbers try to make up their losses by refiguring the premiums and/or the coverages on dental insurance? Will employers be more likely or less likely to offer dental as part of their benefits packages, or will there be no effect? If employee dental planes become either more or less common, will dentists respond by raising or lowering their fees?

I know some of these are probably stupid questions, but I'm curious nevertheless as to whether there will be any sort of impact. I would imagine someone would have some ideas on whether there'll be any sort of ripple effect.

Not stupid questions at all. Unfortunately at this point in time, it's all guesswork. I suspect that you'll see more employers dropping dental and vision coverage... not to mention other costly benefits. They're going to be hit with some pretty hefty fines for things that will be outside of their control. Being in business is still a for-profit proposition, after all.

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RE: What does it mean for dental care? - 3/26/2010 8:12:34 PM

pahunkboy

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You are wrong.

It is rocket science.

I am just too stupid to ever comprehend- this and other NWO laws. I could never be as smart as all those ivory tower people of the ruling class.

But at the same time- I don't want bean counters hands in my pockets.

We have oodles of bean counters.   But no one to grow the beans.

The fact is- I am seriously incompetent to ever be as smart and with it as the ruling class. I could never dress as good- groom as good- or live proper like these NWO folks do.

For I end up - tripping over endless gotchas that riddle every contract that I rumble strip thru life at every nook and cranny.

I could never be as fancy as the gotcha slicksters who valiently count and tabulate all the beans.

I just want to be left alone by the government.

If others want to commit to multi-level marketing plans and extended warranty plans- then that is their choice.

But to take food off of my dinner table to fund this paperwork shuffle is not right. Not when that is my food and my dinner table.

So- ok- I end up not paying- the IRS takes my account. Maybe even my house. After that happens- maybe I can get on section 8. Government housing.

By the time the water bill, the heat bill comes- paying the interest-the homeowners insurance, the property taxes- and keeping the old cluncker on the road- to function - these assets- can be seized by the IRS.

If this is the road we go down- then I would not expect me- to make assets- that I worked my whole life to earn for me- don't expect it to be easy pickens. I sure the hell wont clean my house, make repairs- or maintain it- when the IRS will seize it.   Expect it to be in disrepair.

I just got done scrimping to make the auto insurance payment.

So after while- when year after year- one has nothing they can call their own- after a lifetime of work- and it can be easily seized by as we now see a stroke of a pen- then why bother?
then it is any wonder why people who can never escape payments and who will work till the day they drop dead of a heart attack- then it makes sense.

In the event that everything I ever worked for in life then gets taken from me- don't expect me to help gift wrap it- and help carry it out the door.

NO.

When we get to that point- I promise that the seized asset- will be nothing like it is today - in its functional condition.   If my house gets taken- it wont be a house in any sense of the word.    So that is what I think of the grab for my lifes work.

America, is the Soviet Union.

When it presents itself in real time- then I am out of here.

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RE: What does it mean for dental care? - 3/26/2010 8:19:28 PM

tazzygirl

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So- ok- I end up not paying- the IRS takes my account. Maybe even my house. After that happens- maybe I can get on section 8. Government housing.

By the time the water bill, the heat bill comes- paying the interest-the homeowners insurance, the property taxes- and keeping the old cluncker on the road- to function - these assets- can be seized by the IRS.

If this is the road we go down- then I would not expect me- to make assets- that I worked my whole life to earn for me- don't expect it to be easy pickens. I sure the hell wont clean my house, make repairs- or maintain it- when the IRS will seize it. Expect it to be in disrepair.

I just got done scrimping to make the auto insurance payment.

So after while- when year after year- one has nothing they can call their own- after a lifetime of work- and it can be easily seized by as we now see a stroke of a pen- then why bother?

This has already been posted on, and discussed, by Treasure, i do believe. Im sure if i am wrong, she will let me know. If i also recall correctly, this isnt what can happen. Again, Treasure, let me know if im wrong.

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RE: What does it mean for dental care? - 3/26/2010 8:28:04 PM

TreasureKY

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quote:

ORIGINAL: tazzygirl

This has already been posted on, and discussed, by Treasure, i do believe. Im sure if i am wrong, she will let me know. If i also recall correctly, this isnt what can happen. Again, Treasure, let me know if im wrong.

You are not wrong. As I said, I do not know what the ultimate penalties will end up being, but...

(g) ADMINISTRATION AND PROCEDURE.—

     (1) IN GENERAL.—The penalty provided by this section shall be paid upon notice and demand by the Secretary, and except as provided in paragraph (2), shall be assessed and collected in the same manner as an assessable penalty under subchapter B of chapter 68.

     (2) SPECIAL RULES.—Notwithstanding any other provision of law—

          (A) WAIVER OF CRIMINAL PENALTIES.—In the case of any failure by a taxpayer to timely pay any penalty imposed by this section, such taxpayer shall not be subject to any criminal prosecution or penalty with respect to such failure.

          (B) LIMITATIONS ON LIENS AND LEVIES.— The Secretary shall not—

               (i) file notice of lien with respect to any property of a taxpayer by reason of any failure to pay the penalty imposed by this section, or

               (ii) levy on any such property with respect to such failure.

Of course, I cannot guarantee there aren't existing loopholes to this. I've not researched the tax law into which this has been inserted. It does seem as if they've taken the teeth out of any way to effectively penalize someone for not complying. I would imagine somewhere down the line someone is going to want to put those teeth back some way.

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RE: What does it mean for dental care? - 3/26/2010 8:29:51 PM

tazzygirl

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I would too. But, at this point, there doesnt seem to be much in the line of enforcement. Although i dont find that odd. Something is afoot here. And im not feeling its bad.

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RE: What does it mean for dental care? - 3/27/2010 4:18:03 AM

eyesopened

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While most of us would agree that having good teeth is necessary to eat healthy foods and thereby be healthier. And some gun diseases also cause other infections to the detriment to overall good health. But dental insurance is the only "insurance" in the world that people purchase because they want to use it.

You buy auto insurance with the hope to never have an accident. You buy life insurance and hope it doesn't pay any time soon. You buy homeowner's insurance hoping to never have a claim. But you want dental insurance only because you have some kind of major dental issue you want fixed.

I have a dental plan that is really not more than a discount program. Most of these are really affordable. I pay $5 a month for mine. I still have to pay a small co-pay for preventive services but really inexpensive. My exam, x-rays and cleaning cost me a whopping $20. Add to that my premiums and my annual outlay is still under $100 a year. If I need some major work, it's still gonna cost me major money but still roughly 50% of the 'retail' cost.

Medicare and Medicaid do not cover dental services. Neither does Tricare. I'm not aware of any single-payor program that includes dental care other than what might be medically necessary if you had an accident that knocked your teeth out or something of that nature.

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RE: What does it mean for dental care? - 3/27/2010 5:01:10 AM

tazzygirl

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Tricare does have a dental program.

Premium Amounts
Your TDP premium amounts change annually on February 1st.

The following chart indicates your monthly premium responsibility as an ADFM for enrollment years Feb. 1, 2009 through Jan. 31, 2010 and Feb. 1, 2010 through Jan. 31, 2011.

Plan Enrollment Year
Feb. 1, 2009 -
Jan. 31, 2010 Feb. 1, 2010 -
Jan. 31, 2011
Monthly Single Premium (one family member) $12.12 $12.69
Monthly Family Premium (more than one family member) $30.29 $31.72
http://www.tricaredentalprogram.com/tdptws/enrollees/premiums/activeduty_premiums.jsp

This is an optional program. Paid for, in part, by the government.

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Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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RE: What does it mean for dental care? - 3/27/2010 5:05:12 AM

zephyroftheNorth

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quote:

Well, there were two bills - the main bill, and the smaller set of reconciliation changes. The first bill (the main event) has already been signed by the President, and is now law. The second was sent back to the House by the Senate to correct some language on (I believe) two points. The House passed the corrected version yesterday (if i recall correctly; perhaps it was the day before), and to my knowledge has not yet been signed into law. Of course, i haven't heard a newscast all day, so maybe he already did it.
.
For that matter, maybe we're at war with China, and it doesn't matter whether he signed it. It's entirely possible, and I wouldn't have any way of knowing one way or t'other.

36 minutes until the 10 PM news comes one....

Thank you Panda. I admit to being clueless, I neither read newspapers or watch the news so I rely on you guys filling me in

Don't suppose you or anyone else has a link to the law and reconciliation bill(s) so I can take a look.

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RE: What does it mean for dental care? - 3/27/2010 5:08:57 AM

flcouple2009

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quote:

ORIGINAL: TreasureKY

I'd suggest reading through the bill so you know what is in there. That's kinda the thing that amazes me the most... how can anyone be for or against this bill if they haven't read it and don't know what's in there?

I've not had a chance yet to look at the reconciliation, but the original bill lists the following as "essential health benefits":
Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services, including behavioral health treatment
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including oral and vision care

Dental care (and vision) appears to only be required for coverage for children. While any plan you may join can include dental care, the cost for it that is over and above what the essential health plan covers is considered "premium". "Dental only" plans may be offered through the Exchange, but again... they are considered "premium".

There are several programs included in the bill which will promote and fund dental training, service improvement, education, and research. But nothing that will either fund, subsidize, or provide dental services for adults.

Of course not, if they actually read the bill in the first place then all of the lies such as death panels would never have gained any traction. This only works because huge parts of the Republican base are simply sheep who parrot what they are told.

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RE: What does it mean for dental care? - 3/27/2010 8:44:47 AM

xBullx

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Fast reply

You know what bothers me about this bill.... And I suspect that someone has brought up this point, but, I can't read it, as smart as I think I am sometimes the damn thing has me confused.

And crazy as it sounds, I don't know if I trust anyone to read it for me. Everyone seems to have a motive or an agenda beyond the concept of the common good.

What to do, what to do....

edited to add, sorry folks this thread is about dental...my bad.

I have dental, does this bill take that away?

< Message edited by xBullx -- 3/27/2010 8:48:52 AM >

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RE: What does it mean for dental care? - 3/27/2010 8:50:36 AM

xBullx

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It is in my experience that both parties have an ample supply of sheep.

quote:

ORIGINAL: flcouple2009

This only works because huge parts of the Republican base are simply sheep who parrot what they are told.

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RE: What does it mean for dental care? - 3/27/2010 9:12:47 AM

SL4V3M4YB3

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quote:

ORIGINAL: pahunkboy
Does anyone know what the reform, what effect it has on dental care?
I did a search and do not see much.
With all the commotion, I can not tell.
Any ideas?

Yeah now the government has taken over they'll be able to put tracking chips in your fillings.

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RE: What does it mean for dental care? - 3/27/2010 9:14:19 AM

xBullx

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You just can't stop can you.

Now he'll be checking into that.

quote:

ORIGINAL: SL4V3M4YB3

quote:

ORIGINAL: pahunkboy
Does anyone know what the reform, what effect it has on dental care?
I did a search and do not see much.
With all the commotion, I can not tell.
Any ideas?

Yeah now the government has taken over they'll be able to put tracking chips in your fillings.

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Bull

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RE: What does it mean for dental care? - 3/27/2010 3:03:59 PM

eyesopened

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tazzygirl,
Thanks. I don't know why I didn't think Tricare offered a dental plan. I'm glad it does!

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