White House Quiz - Take the "What's In Reform for You" Quiz (Freep the Quiz)

I gave the answers which would give the minimum "benefit" from Obamacare and still got these benefits.

1. Reform will bring down costs generally and make insurance more affordable and accessible, ensuring more choices for quality coverage

2. Reform will allow you to keep the coverage you have if you want to

3. Reform will streamline and simplify paperwork and cut the bureaucracy for you and your doctor

4. Reform will be accompanied by an agreement to end the "donut hole" in Medicare Part D, dramatically reducing both the costs and anxieties associated with purchasing prescription drugs

5. Reform puts a cap on what insurance companies can force you to pay in out of pocket expenses, co-pays and deductibles

6. Reform will prevent insurance companies from placing annual or lifetime caps on the coverage you receive

My responses.

1. Insurance companies make very little. Most of the premium goes to benefits. Making insurance more affordable requires either increases in efficiency or cutting services. Knowing what a nightmare Medicare paperwork is compared to other insurance, I'm betting that the only way it could be made more affordable would be to cut services.

2. Well, just so long as my company doesn't go out of business because of the increased taxes, and if my current plan meets the government approved list of features.

3. Government cut bureaucracy? Insurance company bureaucracy is seen as a deadweight cost while government bureaucracy is seen as a way for a GS-13 to argue that with all the people beneath him he should be a GS-14. Not holding my breath.

4. The donut hold in Medicare D was a way to cover both catastrophic care for people spending tens of thousands on drugs, along with giving every senior who buys drugs some coverage to maximize their support. Sensible insurance would have covered more of the higher unexpected amounts and not the first few hundred. It was set up the current way to avoid the public relations disaster (for politicians) of Medicare Catastrophic Coverage Act of 1988 which charged all seniors more but only paid a few.

5. Limiting what I can pay in co-pays and deductibles means outlawing cheaper high deductible insurance plans and health savings accounts. Those are the plans which are most likely to get people to pay attention to costs. What if my plan is a catastrophic only plan which covers cancer, heart attacks and broken bones but not simple bronchitis or a few stitches? Point 2 said I could keep it, but point 5 says I can't.

6. No, but if I spend too much or look like I will spend too much I'll have to appear before the Death Board or just have my treatment secretly limited by some bureaucrat. When my doctor says "There's nothing more that can be done" he will no longer mean "Modern medicine has not found a cure or treatment for your illness" but will instead mean that "The government has outlawed treatment for you. I could go to jail for even discussing going around them."

Doesn’t matter what you answer, all it gives is the pap of 0bamaCare.

Here’s What You Will Get Out of Health Insurance Reform
Reform will bring down costs generally and make insurance more affordable and accessible, ensuring more choices for quality coverage

Reform will allow you to keep the coverage you have if you want to

Reform will require plans to cover basic pediatric services, as well as dental, vision, and hearing needs for children

Reform will greatly improve access to pediatric care and address shortages by investing in an expanded health care workforce

Reform will promote better accountability for the quality of care children receive

Reform will support and stabilize health coverage for early retirees

Reform will streamline and simplify paperwork and cut the bureaucracy for you and your doctor

Reform will strengthen the financial health of Medicare by reducing waste and ending overpayments to insurance companies

Reform will be accompanied by an agreement to end the “donut hole” in Medicare Part D, dramatically reducing both the costs and anxieties associated with purchasing prescription drugs

Reform will end discrimination based on gender - a healthy 22 year old female can be charged premiums 150% higher than a healthy 22 year old male under the status quo

Reform puts a cap on what insurance companies can force you to pay in out of pocket expenses, co-pays and deductibles

Reform will expand coverage for children through their parents’ plan until they’re twenty-six if their parents so choose

Reform will eliminate discrimination based on pre-existing conditions or medical history

Reform will prevent insurance companies from placing annual or lifetime caps on the coverage you receive

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