What is the Cost? Getting Medical with Pre-Existing Conditions

This article first of all comes as slightly belated news, I know. Of course for those of you who understand, I have been taking care of my now extended family. Still, I thought I would write about the subject. It is important to the American public after all.

There was a time when I wanted to get Blue-Cross Blue Shield for my daughters and myself while we lived in Idaho. I did the searching for an affordable plan, filled out the forms electronically, and sent in any necessary paperwork that they asked for. Their response, DENIED. Why? Because my youngest daughter and I had pre-existing conditions.

Many Americans find t unfair that they cant be granted health insurance because they have pre-existing health issues. I disagree with much of the new health care Obama wants to put into initiation. recently, as you're well aware, he wants to provide health insurance to those denied because of pre-existing conditions. No matter how small.

It was March 23rd when Obama signed five billion dollars to be spent on the the new law. Requiring that states had within ninety days to buy pools targeted at uninsured people unable to get coverage. It is said that the law should take effect by 2014. By that point insurance companies will have to accept everyone.

Pools already in existence in some states will be built on. Each state will be in charge of setting up new pools. States that don't want to do the work alone will have assistance.

Kathleen Sebelius, Secretary of Health and Human Services, reported that, "Immediate relief for potentially millions of Americans with pre-existing conditions, like diabetes or high-blood pressure, who have been shut out of the insurance system," under the new program, "over the next couple of months, we'll be making a lot of announcements just like this. The law the president signed was carefully written to get benefits to Americans as quickly as possible without disrupting or overburdening the health care system."

What details do the pools entail? Who will qualify? How much will premiums be? How will existing programs in each state be affected? Is $5 billion enough? These are certainly reasonable questions for all those concerned.

Jeanne Lambrow, director of the HHS of Health Reform says that those with pre-existing conditions who've had no health insurance for a minimum of six months qualify. Rates, she says should be standard for the insurance in their (the medical insurance recipient) surrounding area.

Thirty states currently insure an average of 200,000 U.S. Residents a piece. The rules, though, for each state differ from the new federal law.

I wanted to have my readers know more than just what the president is saying will be good for everyone. Let's get more brief detail.

The bill is called PPAC, the Patient Protection and Affordable Care Act. Complete (being a smart butt saying this) with immediate and time -delayed improvements. Components include: amending the Public Health Service Act, creating refundable tax credits to help defray the cost pf health premiums, instituting reforms for the health insurance market, providing for small business tax credits, establishing penalties for failure to obtain minimal essential health care coverage, expanding Medicaid eligibility and prescribing coverage; funding health education and research, outreach campaigns, and task forces; establishing a national health care workforce commission to study workforce resources and align them with national needs.

Andy responded through Yahoo! with, "Great. So the story of the day is: higher taxes, more people with Medicare (which is already a broken system) and the eventuality of terrible health care because nobody wants to enter a field where you have to go to school for an exceptionally long time, only to find out that you'll need a second job to support your joy of saving lives because you get to basically be a government employee who's salary doesn't allow you to break even.
Obama-fail.

There are some nice things here, but they are far outweighed by the negatives. Let's keep the stuff that keeps the insurance companies under control (who, by the way, base some of there system on Medicare), scrap Medicare and Medicaid and rebuild them from the ground up into some not-so-terrible programs, since trying to put a band-aid on the problem hasn't been working, and then we'll see where the dust settles and go from there."

Richard of Yahoo! wrote, "Congratulations Obama and those who voted 'yes' to the Health Bill. A good government should be able to address the needs of its people, needless to mention, those in dire need of medical attention. For America to have people dying in the streets because they can not afford medical care, is unacceptable. Mission accomplished."

Where is the $5 billion coming from? Who's paying for it exactly? Us? Okay, I don't mind the fact the any common worker no matter your class works and some of their money goes to funds for those in need. If you work and receive those needs at least you are in a very small way working for yourself. As of May 30, 2009, the US Population was estimated at 304,059,724 persons. $5 billion dollars and by 2014. Let's do that math. $16.45 from each person total. $4.11 each year by each person starting with the year 2010. Okay, it's not a lot to ask but as one question did insist, will that be enough? Are we going to need more (yes) and if so will the amount per person go up and by how much, how often? Good things to think about. And what about the 15 million illegal aliens? Think about the amnesty that might happen. I wouldn't want to pay for someone who doesn't live here to have health insurance when they don't pay. Think about Arizona immigration going on right now. We want legals to show their papers. But what if you get pulled over and find yourself in a situation where you, the legal natural born citizen has to show papers? You might have forgotten your wallet at home. It happens. The same would happen if we have to have insurance. We have to show our papers. Just even getting pulled over in the future when a car accident occurs and your hurt. No papers, no service, and a fine, Nice way to say thanks for being American.

What worries me more is even with the money any each person pays through their tax from their checks for pools and funds and such, with the net money worth they actually get every month, how much are they going to have to pay for their now approved insurance? What happens if someone loses their job and they still need insurance? With the fines that being spoken of for those who don't pay, how bad are the repercussions going to be? If jail time has to be served we might as well have larger jail houses.

There is more to really go over before claiming a reform. The people should know in detail how health will be assessed. Not just a light tap on the shoulder. One last bit of interesting info, it is estimated that the America's will have around 400 million citizens by 2040. -- http://wiki.answers.com/Q/How_many_people_live_in_the_Americas'