RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (Full Version)

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tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/6/2012 10:50:35 PM)

quote:

How many people are actually making $7.50/hr? And, who are these people? Isn't the vast majority of those making Federal minimum wage single people, and/or single people who are still young? And, if you were to halve the costs of care, it wouldn't take as long for a person to make enough to cover the costs. 20 hours down to 10 hours to gross the cost of a Dr. visit.


In 2011, 73.9 million American workers age 16 and over were paid at hourly rates, representing 59.1 percent of all wage and salary workers.1 Among those paid by the hour, 1.7 million earned exactly the prevailing Federal minimum wage of $7.25 per hour. About 2.2 million had wages below the minimum.2 Together, these 3.8 million workers with wages at or below the Federal minimum made up 5.2 percent of all hourly-paid workers. Tables 1 through 10 present data on a wide array of demographic and socioeconomic characteristics for hourly-paid workers earning at or below the Federal minimum wage. The following are some highlights from the 2011 data.

Minimum wage workers tend to be young. Although workers under age 25 represented only about one-fifth of hourly-paid workers, they made up about half of those paid the Federal minimum wage or less. Among employed teenagers paid by the hour, about 23 percent earned the minimum wage or less, compared with about 3 percent of workers age 25 and over.

Guess who are the other half.

And taxes cost them 27%... soooooo not much left after bills.


Of which how many have insurance other than day one?

quote:

At what age does the majority of medical woes start to seriously impact one's life to the extent that regular Dr. visits become the norm?


It can occur at any age.... many even before they begin work. Please do think beyond the box here.

Women with small children tend to seek Doctor visits for their children when ill.. kids do get sick. Why not give them the prevention of such, affording them the opportunity to turn their lives around, not to mention taking the strain off the health care system itself.. because L&D and NBN care is expensivce, along with well baby visits, ect... and that doesnt include mom seeing the Doctor because she will wait till she is very sick.. or has Medicaid.

You see only the bottom dollar... some of us can see beyond that to the true cost savings of this law.




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/6/2012 10:54:06 PM)


quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: tazzygirl
You want people to support themselves.. yet you seem to try and prevent any attempt to help them achieve those goals...
I have to ask why.


How am I trying to prevent any attempts to help people achieve their goals?



Are you not dead set against this law? This same law that wants to provide women with the prevention to pregnancy? This same law that would actually save millions of dollars each year?




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/6/2012 11:01:44 PM)

Btw, before I am asked....

[image]http://transform.childbirthconnection.org/wp-content/uploads/2011/03/birth-charges-20093-559x361.jpg[/image]

Notes:

Figures in graph do not include the following charges:

additional anesthesia services charge for all cesarean and most vaginal births in hospitals
additional newborn care charge for all births in hospitals
additional maternity provider charge for all births.




DesideriScuri -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 5:13:37 AM)

quote:

ORIGINAL: tazzygirl
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: tazzygirl
You want people to support themselves.. yet you seem to try and prevent any attempt to help them achieve those goals...
I have to ask why.

How am I trying to prevent any attempts to help people achieve their goals?

Are you not dead set against this law?


Sure am.

quote:


This same law that wants to provide women with the prevention to pregnancy?


Women already have the means to prevent pregnancy.

quote:


This same law that would actually save millions of dollars each year?


The one has already raised cost of premiums? Is that the one we're talking about?

To be honest here, I take issue with only a few things from the first two original posts in this thread.

    1. These coverages were mandated.
    2. They are being touted as "free."

I have no problem with this stuff being covered by insurance. No, seriously. If an insurance company wants to offer it, they can. I just have an issue with it being forced onto the insurance company. These services are not "free." They cost. The physicians and other care providers are getting paid. There is no co-pay anymore, meaning that there is an increase in cost to the insurance company, which will either increase premiums, or has already resulted in increased premiums; ergo, not "free."

quote:

You see only the bottom dollar... some of us can see beyond that to the true cost savings of this law.


Someone has to look at the bottom dollar. Shit costs money. If someone isn't looking at the bottom dollar, Greece happens. You want the US to go Greek?

quote:

It can occur at any age.... many even before they begin work. Please do think beyond the box here.


I know it can occur at any age. But, we aren't talking about any risk above zero here. And, in case you didn't realize it, as long as a young adult is in school full time, he or she was allowed to be covered by the parent(s) policy to age 23, prior to the ACA. Now, consider the however many youth that are getting paid at or below minimum wage. 49.5% of those people are age 24 or younger. It was broken down even further to those who were still teens, and those 20-24. Since there was no break down of each exact age for the youngest non-teen group, I didn't further expand my argument. A 4-year degree will keep a person on a parent's policy until age 21-22, depending on where the birthday falls. If it takes 6 years to gain a Bachelor's Degree, the oldest of those students will drop off their parent's policy (but do consider that there is coverage afforded to students on campus) prior to graduation. And, these are the least likely to incur high costs of regular care.

In the US, government wasn't set up to provide stuff to individuals. The services government provides are for the country, as a whole. And, when you consider our "bought and paid for" elected officials, why would we want them in charge of more and more? Cutting government out of areas will result in less of a stranglehold Big Money has on the US government. That will result in fewer tax loopholes, lower costs, etc.

quote:

And taxes cost them 27%... soooooo not much left after bills.


Let's take a quick peek at something else, too, okay? 40 hours/week at $7.25, is $290/week. For a 52 week work year, we're talking a gross income of $15080. And, that's gross income, not the Adjusted Gross Income (AGI) that matters for tax purposes. But, even if we have no adjustments (not possible considering the standard deduction for singles), this still puts the wage earner in the 10% tax bracket. The single standard deduction is almost $6,000, and the deduction for dependents is $3800 each.

Where did you get the 27% tax rate?




thompsonx -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 8:53:13 AM)

quote:

Women already have the means to prevent pregnancy.


How would you feel if they used it?
By "it" I mean the 100% effective it.




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 11:20:17 AM)

quote:

Let's take a quick peek at something else, too, okay? 40 hours/week at $7.25, is $290/week. For a 52 week work year, we're talking a gross income of $15080. And, that's gross income, not the Adjusted Gross Income (AGI) that matters for tax purposes. But, even if we have no adjustments (not possible considering the standard deduction for singles), this still puts the wage earner in the 10% tax bracket. The single standard deduction is almost $6,000, and the deduction for dependents is $3800 each.

Where did you get the 27% tax rate?


Fica, State, Local, Federal... you know... those pesky deductions they take from paychecks...

quote:

I know it can occur at any age. But, we aren't talking about any risk above zero here. And, in case you didn't realize it, as long as a young adult is in school full time, he or she was allowed to be covered by the parent(s) policy to age 23, prior to the ACA. Now, consider the however many youth that are getting paid at or below minimum wage. 49.5% of those people are age 24 or younger. It was broken down even further to those who were still teens, and those 20-24.


And how many of those had parents with insurance beyond day one? Most of those policies covered adults below the age only if they were in college... ahem.

quote:

A 4-year degree will keep a person on a parent's policy until age 21-22, depending on where the birthday falls. If it takes 6 years to gain a Bachelor's Degree, the oldest of those students will drop off their parent's policy (but do consider that there is coverage afforded to students on campus) prior to graduation. And, these are the least likely to incur high costs of regular care.


How do parents with a minimum, wage job send their kids to college? How do parents who make above minimum afford to do so? Grants and scholarships only go so far. Oh yeah, something else they want to get rid of.


quote:

To be honest here, I take issue with only a few things from the first two original posts in this thread.

1. These coverages were mandated.
2. They are being touted as "free."


I never said they were "free". Maybe you need to check back with the talking heads.

quote:

I have no problem with this stuff being covered by insurance. No, seriously. If an insurance company wants to offer it, they can. I just have an issue with it being forced onto the insurance company. These services are not "free." They cost. The physicians and other care providers are getting paid. There is no co-pay anymore, meaning that there is an increase in cost to the insurance company, which will either increase premiums, or has already resulted in increased premiums; ergo, not "free."


Oh boohoo.. the poor Insurance company with record breaking profits is being made to cough up aother 120 dollars a woman a year.

Highmark Inc. Profits Grew 146% In 2010

Highmark revenue up, net income down

BCBS profit rises 2.3%

And it goes on and on




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 11:23:58 AM)

quote:

In the US, government wasn't set up to provide stuff to individuals. The services government provides are for the country, as a whole. And, when you consider our "bought and paid for" elected officials, why would we want them in charge of more and more? Cutting government out of areas will result in less of a stranglehold Big Money has on the US government. That will result in fewer tax loopholes, lower costs, etc.


And I am of the firm belief that capitalism has failed america in terms of health care... its time the government stepped in to correct that.




DesideriScuri -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 1:36:51 PM)

quote:

ORIGINAL: thompsonx
quote:

Women already have the means to prevent pregnancy.

How would you feel if they used it?
By "it" I mean the 100% effective it.



How would I feel? Well, that depends on the "it" you are referring to. And, to be completely open and honest, what a woman does in her bedroom regarding sex, pregnancy prevention, etc. is between her and her partner. And, what their choice is, is also up to them to get and pay for. I don't care if women want to get an abortion. I just don't want to pay for it.




DesideriScuri -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 1:38:20 PM)

quote:

ORIGINAL: tazzygirl
quote:

In the US, government wasn't set up to provide stuff to individuals. The services government provides are for the country, as a whole. And, when you consider our "bought and paid for" elected officials, why would we want them in charge of more and more? Cutting government out of areas will result in less of a stranglehold Big Money has on the US government. That will result in fewer tax loopholes, lower costs, etc.

And I am of the firm belief that capitalism has failed america in terms of health care... its time the government stepped in to correct that.


And, the way they have stepped in, is a reward to insurance companies and Big Medicine, in general. It's not going to make the situation better, but worse.




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 3:59:07 PM)


quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: tazzygirl
quote:

In the US, government wasn't set up to provide stuff to individuals. The services government provides are for the country, as a whole. And, when you consider our "bought and paid for" elected officials, why would we want them in charge of more and more? Cutting government out of areas will result in less of a stranglehold Big Money has on the US government. That will result in fewer tax loopholes, lower costs, etc.

And I am of the firm belief that capitalism has failed america in terms of health care... its time the government stepped in to correct that.


And, the way they have stepped in, is a reward to insurance companies and Big Medicine, in general. It's not going to make the situation better, but worse.


1) Thats your opinion
2) Insurance companies spent a shit load of money fighting this
3) These are the same arguments they used with Medicare




mnottertail -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 4:01:58 PM)

Fine, lets fix the law and dump the insurance companies.  




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 4:02:54 PM)

YES!




Lucylastic -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 4:06:12 PM)

just waiting on the response to that comment:) LOL




DesideriScuri -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 5:19:11 PM)

quote:

ORIGINAL: tazzygirl
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: tazzygirl
quote:

In the US, government wasn't set up to provide stuff to individuals. The services government provides are for the country, as a whole. And, when you consider our "bought and paid for" elected officials, why would we want them in charge of more and more? Cutting government out of areas will result in less of a stranglehold Big Money has on the US government. That will result in fewer tax loopholes, lower costs, etc.

And I am of the firm belief that capitalism has failed america in terms of health care... its time the government stepped in to correct that.

And, the way they have stepped in, is a reward to insurance companies and Big Medicine, in general. It's not going to make the situation better, but worse.

1) Thats your opinion
2) Insurance companies spent a shit load of money fighting this
3) These are the same arguments they used with Medicare


Yup, and, thus far, it's been reality, too.

Yes, they spent a lot of money to fight this. And, Big Insurance gave to the coffers of R's and D's alike. The insurance companies aren't going to be hurt by this. They get all these young, new, healthy people to offset the few unhealthy.




DesideriScuri -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 5:21:09 PM)

quote:

ORIGINAL: mnottertail
Fine, lets fix the law and dump the insurance companies.  


Fix the law: repeal it. Let it go. The Market will take care of itself as long as the next part goes through...

Dump the insurance companies: Or, just separate them from ownership of the hospitals. Return hospitals to the charity-based organizations they originally were, and costs will drop.




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 5:35:07 PM)

quote:

Yes, they spent a lot of money to fight this. And, Big Insurance gave to the coffers of R's and D's alike. The insurance companies aren't going to be hurt by this. They get all these young, new, healthy people to offset the few unhealthy.


Few unhealthy? rofl




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 5:36:14 PM)

quote:

Fix the law: repeal it. Let it go. The Market will take care of itself as long as the next part goes through...

Dump the insurance companies: Or, just separate them from ownership of the hospitals. Return hospitals to the charity-based organizations they originally were, and costs will drop.


[sm=rofl.gif]




mnottertail -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 5:54:38 PM)

quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: mnottertail
Fine, lets fix the law and dump the insurance companies.  


Fix the law: repeal it. Let it go.


The Market will take care of itself as long as the next part goes through...



Waltz me thru that conundrum, if you repeal it it aint fixed, nothing is gonna happen and the market will certainly take care of itself, not anyone else, but then their wont be any next part to go thru. (thats what the law is going to be at some point, the next thing, flush the insurance companies, we dont need the middle man).

That is why nobody on this earth allows free markets.  Nobody on this earth is that fucking stupid. 




DesideriScuri -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 7:00:01 PM)

quote:

ORIGINAL: mnottertail
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: mnottertail
Fine, lets fix the law and dump the insurance companies.  

Fix the law: repeal it. Let it go.
The Market will take care of itself as long as the next part goes through...

Waltz me thru that conundrum, if you repeal it it aint fixed,


1-2-3, 1-2-3, 1-2-3, 1-2-3

The only way to "fix" it, is to get rid of it.

quote:


nothing is gonna happen and the market will certainly take care of itself, not anyone else, but then their wont be any next part to go thru. (thats what the law is going to be at some point, the next thing, flush the insurance companies, we dont need the middle man).
That is why nobody on this earth allows free markets.  Nobody on this earth is that fucking stupid. 


And, did you see the part where I said, "as long as the next part goes through?" Without separating the insurance companies from ownership of the care providers, you won't see a cost reduction. What you will see, is cost escalation, as has already started. The ACA hasn't made care affordable (as it's name implies), it's just subsidized insurance. Care costs will still rise and you'll have to keep taking more and more from somewhere. What was it Maggie Thatcher said?




tazzygirl -> RE: The 8 Ways Obamacare Helps 47 Million Women, Starting August 1, 2012 (8/7/2012 7:25:11 PM)

I explained how costs will come down. Not our fault you can only see within the box.




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