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Metalworking (rec.crafts.metalworking) Discuss various aspects of working with metal, such as machining, welding, metal joining, screwing, casting, hardening/tempering, blacksmithing/forging, spinning and hammer work, sheet metal work. |
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#1
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OT- Obamacare and Cancer Coverage
FYI...a timely discussion considering Don and Mary's plight and the
costs involved. TMT http://www.aarp.org/health/health-ca...explained.html Health Care Reform Explained The New Health Care Law and Annual and Lifetime Coverage Limits Your questions answered by: Susan Jaffe | from: AARP Bulletin | August 23, 2010 — Red James/Getty Images Q. Does the new health care reform law eliminate annual and lifetime limits on health care coverage in insurance policies? Yes. On Sept. 23, lifetime limits are effectively banned for all plans that begin or are renewed after that date. Insurance companies can no longer cut off policy holders when their medical expenses reach a lifetime limit. Annual limits on coverage will be phased out over the next few years, beginning this year. Currently, more than 100 million Americans have insurance that stops when medical claims exceed their policy’s lifetime limit. The new rule especially will help people with serious diseases that require expensive treatment. Ten percent of cancer patients surveyed recently said they hit their lifetime limit and their insurers would not pay for further medical care. Federal health officials mention the example of an Indiana teenager battling leukemia who reached the $1 million lifetime limit on his family’s policy in a couple of months. To pay for his bone marrow transplant, his desperate parents appealed to the public for donations and raised more than $500,000. The law phases out these annual limits over a period of three years: in the first year, insurers must cover medical expenses up to at least $750,000. That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. The ban on annual and lifetime limits applies to employer-sponsored and individual plans, but only for the cost of what the law calls “essential health benefits.” The law provides examples of these benefits, but the specifics will be spelled out in regulations to be issued by the U. S. Department of Health and Human Services. Patient advocacy groups are hoping that the government will decide that a wide range of health care services must be covered. There are other exceptions to the ban. It doesn’t apply to so-called “grandfathered” plans, which are insurance policies in existence when the health care reform bill was signed into law March 23, 2010 that do not significantly raise premiums or reduce benefits. • Are Medicare supplemental and Medicare Advantage plans also prohibited from limiting coverage? Yes, for the most part, but not because of the health care reform law’s ban. Medicare supplemental insurance (medigap) and Medicare Advantage plans are regulated by earlier laws that already prohibit annual and lifetime limits. However, medigap policies sold before 1992 can impose limits. Medicare Advantage plans have no lifetime limits because they have to offer coverage that is at least as good as traditional Medicare, says Vicki Gottlich, senior policy attorney at the Center for Medicare Advocacy in Washington, D.C. “There has never been a cap on the total amount of benefits for which Medicare will pay,” she explains. So Medicare Advantage plans have to follow suit. |
#2
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OT- Obamacare and Cancer Coverage
On Sun, 6 Mar 2011 00:06:45 -0800 (PST), Too_Many_Tools
wrote: FYI...a timely discussion considering Don and Mary's plight and the costs involved. TMT Don already stated that he is able to provide for his family's medical expense needs without any welfare from Obama, such as the type that is needed by liberals. Why don't you substitute your own sorry family into the story instead, as an example, so the rest of us can better understand how sad it is to be a sorry assed liberal? |
#3
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OT- Obamacare and Cancer Coverage
On Mar 6, 12:17*pm, Boris Kapusta wrote:
On Sun, 6 Mar 2011 00:06:45 -0800 (PST), Too_Many_Tools wrote: FYI...a timely discussion considering Don and Mary's plight and the costs involved. TMT Don already stated that he is able to provide for his family's medical expense needs without any welfare from Obama, such as the type that is needed by liberals. Why don't you substitute your own sorry family into the story instead, as an example, so the rest of us can better understand how sad it is to be a sorry assed liberal Facts are facts. Don refused to discuss the cost that Mary's ongoing care is costing both him and society. That is his choice and I have respected it...and I do still wish Mary the best. Considering that cancer will affect many of us... http://www.cancer.org/Research/CancerFactsFigures/index ......knowledge of how Obamacare has and will positively affect one's finances is valuable to know. Whether or not you want to admit it or not, Mary is benefitting directly from Obamacare NOW. And the cancellation of Obamacare would adversely affect Mary and her continuing care....along with millions of other Americans in the same situation. Now if you have something positive to offer to the discussion, then please contribute it. But so far you are the one who is the "sorry assed" individual...par for the course. TMT |
#4
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OT- Obamacare and Cancer Coverage
On Sun, 6 Mar 2011 18:58:08 -0800 (PST), Too_Many_Tools
wrote: Whether or not you want to admit it or not, Mary is benefitting directly from Obamacare NOW. Wrong. Mary is benefitting from Medicare which dates back to 1965 and into which we both contributed for decades. We've paid our dues. Beyond that, she is benefitting from private supplemental insurance which we have carried since retirement. And the cancellation of Obamacare would adversely affect Mary and her continuing care....along with millions of other Americans in the same situation. You obviously know little about Obamacare, nothing about Mary's situation, or both. Obamacare is/will be of no benefit to Mary or millions of other Americans in the same situation. Quite the contrary. It will make some meds more expensive due to fees and taxes on branded drugs and medical devices, and will make our supplemental insurance more expensive due to annual fee on insurance providers. |
#5
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OT- Obamacare and Cancer Coverage
On Sun, 6 Mar 2011 18:58:08 -0800 (PST), Too_Many_Tools
wrote: Don refused to discuss the cost that Mary's ongoing care is costing both him and society. That's right. That is his choice and I have respected it...and I do still wish Mary the best. But you continue to bandy our names about and snidely label her care as "a cost to society" ignoring the fact that we paid into society (FICA, Medicare, etc) via regular significant payroll deductions for 45 years. |
#6
Posted to rec.crafts.metalworking
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OT- Obamacare and Cancer Coverage
--OBTW Blue Cross just raised our rates again: 15% this time. Had my
secretary run the numbers: since 2000 Blue Cross has raised the rates for me and my wife by 350%!! Wanna know where the recession came from? There's your answer. -- "Steamboat Ed" Haas : Steel, Stainless, Titanium: Hacking the Trailing Edge! : Guaranteed Uncertified Welding! www.nmpproducts.com ---Decks a-wash in a sea of words--- |
#7
Posted to rec.crafts.metalworking
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OT- Obamacare and Cancer Coverage
On Mar 6, 3:06*am, Too_Many_Tools wrote:
FYI...a timely discussion considering Don and Mary's plight and the costs involved. TMT http://www.aarp.org/health/health-ca...010/hcr_explai... Health Care Reform Explained The New Health Care Law and Annual and Lifetime Coverage Limits Your questions answered by: Susan Jaffe | from: AARP Bulletin | August 23, 2010 — Red James/Getty Images Q. Does the new health care reform law eliminate annual and lifetime limits on health care coverage in insurance policies? Yes. On Sept. 23, lifetime limits are effectively banned for all plans that begin or are renewed after that date. Insurance companies can no longer cut off policy holders when their medical expenses reach a lifetime limit. Annual limits on coverage will be phased out over the next few years, beginning this year. Currently, more than 100 million Americans have insurance that stops when medical claims exceed their policy’s lifetime limit. The new rule especially will help people with serious diseases that require expensive treatment. Ten percent of cancer patients surveyed recently said they hit their lifetime limit and their insurers would not pay for further medical care. Federal health officials mention the example of an Indiana teenager battling leukemia who reached the $1 million lifetime limit on his family’s policy in a couple of months. To pay for his bone marrow transplant, his desperate parents appealed to the public for donations and raised more than $500,000. The law phases out these annual limits over a period of three years: in the first year, insurers must cover medical expenses up to at least $750,000. That coverage rises to $1.45 million after Sept. 23, 2011 and increases to $2 million after Sept. 23, 2012. Limits will be completely banned starting Jan. 1, 2014. The ban on annual and lifetime limits applies to employer-sponsored and individual plans, but only for the cost of what the law calls “essential health benefits.” The law provides examples of these benefits, but the specifics will be spelled out in regulations to be issued by the U. S. Department of Health and Human Services. Patient advocacy groups are hoping that the government will decide that a wide range of health care services must be covered. There are other exceptions to the ban. It doesn’t apply to so-called “grandfathered” plans, which are insurance policies in existence when the health care reform bill was signed into law March 23, 2010 that do not significantly raise premiums or reduce benefits. • Are Medicare supplemental and Medicare Advantage plans also prohibited from limiting coverage? Yes, for the most part, but not because of the health care reform law’s ban. Medicare supplemental insurance (medigap) and Medicare Advantage plans are regulated by earlier laws that already prohibit annual and lifetime limits. However, medigap policies sold before 1992 can impose limits. Medicare Advantage plans have no lifetime limits because they have to offer coverage that is at least as good as traditional Medicare, says Vicki Gottlich, senior policy attorney at the Center for Medicare Advocacy in Washington, D.C. “There has never been a cap on the total amount of benefits for which Medicare will pay,” she explains. So Medicare Advantage plans have to follow suit. Additional information related to the subject.. TMT Ranks of cancer survivors growing fast, CDC says By MIKE STOBBE, AP Medical Writer Mike Stobbe, Ap Medical Writer Thu Mar 10, 1:02 pm ET ATLANTA – The number of cancer survivors in the United States is increasing by hundreds of thousands a year, and now includes roughly one in 20 adults, health officials said Thursday. More people are surviving cancer, in part, because of earlier detection and better treatment, they said. In 2007, there were about 11.7 million Americans with a history of cancer, the Centers for Disease Control and Prevention said. Forty years ago, the number of cancers survivors was about 3 million. That increased to 10 million in 2001 and to 11.4 million in 2006. Healthy eating, less smoking and other preventive steps may also be playing a role in the increase, health officials said. "There are some cancers that we can't prevent and they are terrible tragedies," said CDC Director Dr. Tom Frieden. "But there are many that are preventable, or if caught early can result in much longer life." Demographics are a factor in the survivor increase, too. Cancer is most common in people 65 and older, and the nation's elderly population is growing. The CDC said 7 million — 60 percent — of the cancer survivors were 65 or older. Women diagnosed with breast cancer made up the largest share of cancer survivors, at 22 percent, followed by men with prostate cancer, at 19 percent. The estimates from the CDC and the National Cancer Institute were based on information from nine U.S. cancer patient registries. The survivor count includes anyone who had a cancer diagnosis, including people who had been successfully treated as well as those still getting treated or who may be dying from the disease. About 65 percent had survived for at least five years, and 40 percent for 10 years or more. ___ Online: CDC report: http://www.cdc.gov/mmwr |
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