Ok, here's the deal. The health care debate was not much of a debate. It's hard to debate something when there are umpteen versions of a bill floating around, countless amendments, talking points, sound bites and the fact that almost NO ONE actually READ the bill. Well guess what we are going to do here on Jackson Jambalaya? We are going to read the damn bill. I'm going to start reading and posting up here. Might be five pages a day, might be fifty pages. There is no set pace here but we are going to read through it if it takes six months. It's 2400 pages so it's going to take us a while. I am reading from this bill when I study the bill. Let's get started.
Pages 1-18: Table of contents.
Page 19: No annual or lifetime limits on benefits. "GENERAL.—A group health plan and a health insurance issuer offering group or individual health insurance coverage may not establish—
‘‘(1) lifetime limits on the dollar value of benefits for any participant or beneficiary; or
‘‘(2) unreasonable annual limits (within the meaning of section 223 of the Internal Revenue Code 1 of 1986) on the dollar value of benefits for any participant or beneficiary." Link to section 223.
What exactly is reasonable? Whatever a court or the government says it is. If no limit can be placed on services at all, what will happen to demand for said services? Better yet, what will happen to insurer if said demand rises and it can't raise revenue (through premium increases or other sources) enough to pay for the increased expenses? However, section b does say that a plan that is not required to provide "health benefits under section 1302(b) of the PPACA from placing limits." SO what is 1302(b)? Let's go find out. Section 1302(b) is on page 105: "Essential Health Benefits Requirements". Only plan referred to as not facing such a requirement in (b) is stand-alone dental plans. There are other plans mentioned in Section 1302 such as catastrophic but they are not in section b. However, section 223 of the IRS code does provide some limits, depending on the type of plan. (Usually health savings accounts or high-deductible plans).
Page 19: Section 2712: Prohibition on Rescissions. Health insurer can not "rescind" a "plan or coverage with respect to an enrollee once the enrollee is covered under such plan or coverage involved" unless fraud or material misrepresentation occurs.
That is enough for one day. Feel free to comment or point out relevant facts. I'm not an expert, not pretending to be one, just want to read the bill and see what is in it. This is going to be a long discussion as I point out what is in the bill and ask for comments. Clarifications are definitely welcome.
Tuesday, March 30, 2010
Let's talk about the health care reform bill
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Trollfest '09
Trollfest '07 was such a success that Jackson Jambalaya will once again host Trollfest '09. Catch this great event which will leave NE Jackson & Fondren in flames. Othor Cain and his band, The Black Power Structure headline the night while Sonjay Poontang returns for an encore performance. Former Frank Melton bodyguard Marcus Wright makes his premier appearance at Trollfest singing "I'm a Sweet Transvestite" from "The Rocky Horror Picture Show." Kamikaze will sing his new hit, “How I sold out to da Man.” Robbie Bell again performs: “Mamas, don't let your babies grow up to be Bells” and “Any friend of Ed Peters is a friend of mine”. After the show, Ms. Bell will autograph copies of her mug shot photos. In a salute to “Dancing with the Stars”, Ms. Bell and Hinds County District Attorney Robert Smith will dance the Wango Tango.
Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).
Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.
Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".
In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.
In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.
Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.
Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).
Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.
Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".
In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.
In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.
Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.
Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
Trollfest '07
Jackson Jambalaya is the home of Trollfest '07. Catch this great event which promises to leave NE Jackson & Fondren in flames. Sonjay Poontang and his band headline the night with a special steel cage, no time limit "loser must leave town" bout between Alan Lange and "Big Cat"Donna Ladd following afterwards. Kamikaze will perform his new song F*** Bush, he's still a _____. Did I mention there was no referee? Dr. Heddy Matthias and Lori Gregory will face off in the undercard dueling with dangling participles and other um, devices. Robbie Bell will perform Her two latest songs: My Best Friends are in the Media and Mama's, Don't Let Your Babies Grow up to be George Bell. Sid Salter of The Clarion-Ledger will host "Pin the Tail on the Trial Lawyer", sponsored by State Farm.
There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.
If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.
If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
19 comments:
You are a brave man, Kingfish. This will require a lot of whiskey.
Tequila baby, tequila.
Milagro Silver Tequila. chilled.
To get through this mess it will require a tanker truck of tequila.
That is a bad thing?
Kingfish, I applaud you for doing this, and I think it will be extremely enlightening. I posted on NMC's site this morning, but the debate on his post dried up about the time I posted. Before we get too mired in the details, there is one thing I would like to hear your and your readers opinion on.
The cost of this bill is being touted as decreasing the deficit by approximately $200 billion over 10 years. Further, if it was not deficit neutral or better, it could not have become law.
So, here is a simple question that needs to be addressed by our leaders. Is the $200 billion in deficit reductions fair and accurate?
Let's forget the fact that it requires assumptions and future cuts to existing programs and then an actual application of those savings to pay for this bill. While all of that is a valid debate, there is an obvious pink elephant in the room in these novice eyes.
We start collecting revenues now and significantly ramp up the new revenues in 2013. While there a few benefits (expenditures) starting now, the very large majority of them do not kick in until 2014.
So, we tested the bill with 10 years of revenues collected but only 7 years of major expenditures. Those revenues collected early are not endowing any future benefits, so aren't we being extremely dishonest by accepting OMB's numbers that this will decrease the deficit in future years? Or, am I totally missing the point on this?
We should demand that OMB start in 2014 and analyze this bill for ten years from that date. Further, I would ask them to not factor in the revenues collected early UNLESS we endow those funds and apply only the revenues from earnings on the endowment.
My humble opinion is that you will see a bill that will not pay for itself and could possibly be a government obligation that cost our government more than SS and Medicare/Medicaid once they are completely bankrupt.
Not advocating this person's website, but this came out in Aug 2009, someone had sent it to me, I found it interesting. This guy is an insurance lawyer and he went through the bill back in 2009 in one section. Take a moment and look at what he wrote. He did what you are doing. He was careful to check legal definitions and codes that were referenced in the bill.
http://justifiedright.typepad.com/justified_right/2009/08/obama-health-plan-wont-cover-all-pre-existing-conditions.html
If you all don't see what this is for what it is...the shortfall in Healthcare for an aging population...you have your blinders on. You actually think SSI will be enough? Dems just picked up a lot of Baby Boomers.
Not as voters they didn't.
Obama said today that this bill is "only the first step". Gee, I can't wait for more, can you?
Kingfish, thank you for doing this. I've read the bill, too, but am way too lazy to analyze it the way you are doing. This should be enlightening.
So we don't want to talk about entitlements of the past disappearing under the new health care entitlements huh? Lets just color the page a different color folks. If you are 55+, I bet you are pissed. Its kinda like a 30 something wondering if he's gonna get SSI. What do you old folks think? I bet I get to pay your SSI and collect nothing. But I don't see you posting that you are willing to give it up to prevent HCR.
TESTING....123...TEST...
Good morning Captain!
But I don't see you posting that you are willing to give it up to prevent HCR.
Give what up?
Regrettably, it's no longer a bill - it's the damn LAW...
KF, this will be enlightening only to you and a very few if your readers are going to address the content of the section posted.
IF there are sections of the bill that should be changed, would it be more effective to have a position on what change is needed, that to just bitch?
Let's deal with the reality that those generally opposed didn't win. NOW the task is to persuade your elected representatives propose changes.
What is the objection to these sections specifically people?
Do you anti-bill folks support annual and yearly limits on the insured? Or is this section acceptable?
If you don't and believe the insurance companies SHOULD place annual or yearly limits ( regardless of past health history as exists now), please explain why .
If you don't care for the conversation then you are free not to read and comment.
Got some info yesterday at my job - in 2011 the "value" of your employer health insurance will be on your W-2. Who is going to decide the value? Are we going to pay income tax on that amount? Why else would it be on your W-2? Lots of questions I know but I am scared to death of this thing. Is there any caps on how much our premiums can be? I would appreciate any info on these things.
So, no limits. Hmmm. What is the reason for no limits? It sounds like there may be a belief by some that the limits encourage doctors vis-a-vis insurance limits, to decide the "best" care is not affordable and a "death panel" type decision occurs. Sorry, the money ran out, you have to make due with what you got. Anyone want to argue this?
As to the exceptions, this appears to me to be a loophole for continuing other insurance policies in lieu of GHC (Gubment' HC). Not sure. I could use help on this one. I'm sure it is woven throughout the bill somehow.
10:19 Give up your current entitlements...SSI/Medicare/Medicaid.
Some groups are exempt from the mandate to buy insurance. One of those groups is "THOSE NOT HERE LEGALLY". Plus there is no provision requiring health care providers or insurers to verify citizenship.
I swear, if Obama fed his supporters a crap sandwich they would say MMMMMM! MMMMMM! MMMMMM! gimee more!
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