Posts Tagged ‘Cons’
What Doctors Should Expect Now: Pros and Cons
We are in the middle of a battle over the Affordable Care Act — or Obamacare, as it is known. I think many physicians are worried about what this means for their practice. They hear about the medical home. They hear about changes in evidence-based …
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Obama attempts to define politics IRS leaves out question of how much …
WHAT PROS ARE READING. Brett Norman reports, “The Obama administration released three rules Tuesday spelling out hundreds of billions of dollars worth of tax provisions meant to fund the Affordable Care Act. The health insurance tax will collect $ 8 …
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ObamaCare Rap Lyrics No one should go uninsured That’s something ObamaCare cured We’re gonna fix the economy By borrowing and spending lots of money Well I really hate ObamaCare It really truly isn’t fair It’s just expanding Medicaid Now me and my white friends won’t get paid Non-dependent kids are gonna get their fix They’re covered until they’re twenty-six Used to be 22 ’til I had it switched They’re covered as long as they don’t get hitched Health care is not a right Democrats need to see the light More than half the country doesn’t approve ObamaCare will get removed Forty-percent tax on Cadillac Insurance plan prices that are whack I’m gonna kick it off in twenty-eighteen Make money like the government ain’t ever seen Right-winged conservatives We’re the true superlatives Never had a political blunder ObamaCare is going under Gonna raise some income tax in 2013 Government’s gonna see a lot of green But I’m only really charging rich people Don’t try and tell me it’s illegal We need to prevent all this government regulation Stop making people buy healthcare all across the nation There’s gonna be a hefty fine If you don’t buy yourself coverage in time We can tell insurance companies what to do Hospitals and doctors, too And I’m gonna tax all the tanning places And make a couple billion off their orange faces Hey doctors and hospitals If ObamaCare is economical Why are you getting hit the hardest Looks like you’re its biggest target I’m getting billion from drug …
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Question by Clueless Ref: Why do cons on here say the most outlandish things about the healthcare bill?
“It’s a government takeover”
“We’re headed toward Socialism/Communism/Armageddon”
“The healthcare system is going to fall apart because of this”
There is no substance. Only inflammatory, unsubstantiated claims and fear. That’s it? That’s all you guys can come up with when you lose? Pathetic. What a p_i_s_s-poor job you’ve done of making your argument. You’re not even a worthy adversary.
Answer by …
Welcome to politics.
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Belleville, Ill. (Vocus) June 10, 2008
The nationwide rollout has begun and Social Security Disability Insurance (SSDI) recipients in some states already have the option of receiving their benefit payments electronically on a debit card, rather than via a paper check. However, eligible individuals many of whom are unbanked should have a clear understanding of the pros and cons of opting for the debit card, particularly the financial ramifications, according to Allsup, which represents tens of thousands of people in the SSDI process each year. It also offers services that support the financial and health well-being of individuals with disabilities.
Before signing on to or totally dismissing the idea of the debit card program, potential cardholders should look at how they are likely to use a card, said Paul Gada, personal financial planning director of the Allsup Disability Life Planning Center. ”For some, the card may make sense. For others, they may realize after looking at their spending habits that getting a bank account may really be the best option. And there will be others that will always operate with cash only, regardless of the drawbacks it presents.”
The debit MasterCard program, called Direct Express, is run by the U.S. Treasury Department through Comerica Bank with the intent to encourage Social Security recipients who do not have a bank account to elect to have their benefits loaded electronically onto a debit card. Direct Express has been introduced in 10 states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina and Texas. The rest of the nation will be phased in throughout the summer.
Cost savings for the government could be significant, based on estimates from the Treasurys Financial Management Service. For example, it cost 89 cents to issue a paper check in 2006 compared with 9 cents to process an electronic payment. If the 4 million recipients of Social Security, SSDI and Supplemental Security Income (SSI) who dont have bank accounts signed up for debit cards, the savings could be $ 44 million annually.
Having monthly benefits electronically deposited onto debit cards also has its advantages for recipients, most notably convenience and security. For example, people with limited mobility who have the debit card would not have to make a special trip to cash their SSDI check or be concerned if they were hospitalized or otherwise unable to retrieve their benefit payment. Funds on the card are FDIC insured, just like money in a bank account, so the money is fully protected if the card is lost or stolen, although there will be a fee the second time a card needs to be replaced in any given year.
Evaluating the Costs
While cost savings for the government and taxpayers are obvious, it may not be as clear-cut for debit-card recipients. They may pay even more in transaction fees than the average six dollars to have a paper check cashed, especially if they dont pay attention to how theyre using the debit card.
The following questions are among those that Gada recommends before signing up for a debit card:
How accessible to you is an ATM in the Comerica network?
How often would you make ATM withdrawals and would they be at in- or out-of-network ATMs?
How often would you use the electronic bill payment feature?
Will the companies you are paying electronically charge you a fee for electronic payment?
Is there a bank in your area that could provide you with a more cost-effective solution for the features you want, such as ATM, electronic bill pay or direct debit?
If you are concerned about opening a bank account, have you spoken with a local bank to see if they can help alleviate your concerns?
Social Security recipients participating in the Direct Express program are allowed one free ATM cash withdrawal per month from a designated ATM. They are assessed a 90-cent fee for each additional ATM withdrawal. Cardholders may be charged an additional surcharge fee by ATM owners outside of the Comerica Bank network, which issues the debit cards. Additionally, program participants have access to online bill payment for a fee of 50 cents per online bill payment and can receive a paper statement for a 75-cent monthly fee.
Gada advises potential cardholders to consider how they would use the debit card. For example, rather than having to pay for a cashier check or carry large amounts of cash and pay bills in person, incurring a small transaction fee for electronic bill payment may be worth it, particularly for individuals who have a difficult time getting around. However, Gada noted, individuals should check to see if the organization they are paying will assess an additional charge for accepting electronic bill payment.
On the other hand, people who are going to head for an ATM every time they need cash will find transaction fees quickly adding up to little added value.
”In these cases, its time to seriously consider what is preventing you from getting an account at your local bank, because that probably would be your best option,” said Gada. ”Many banks offer no minimum balance checking accounts where you can have your Social Security benefits direct deposited and electronically pay bills or use their ATMs at no additional charge.”
Overcoming Banking Barriers
One of the reasons that some Social Security recipients continue to insist on paper checks is the fear that their bank accounts could be attached by creditors. However, under federal law, Social Security benefit payments are protected from attachment, meaning creditors do not have the right to take these funds from a recipients bank account. The same rules will apply to funds placed on Direct Express debit cards. There are a few explicit exceptions to the rules guarding against attachment of Social Security benefits. For example, Social Security funds can be taken to pay child support or alimony payments the individual owes.
”At any given time, there are likely millions of dollars in Social Security payments that are at risk because people on fixed incomes got into debt or are having a dispute with a creditor,” said Gada. ”Unfortunately, they are acting on inaccurate information that has them afraid to put their money into bank accounts where it can be protected and they can be afforded other benefits of being banked.”
Allsup, Belleville, Ill., is a leading nationwide provider of financial and healthcare related services to people with disabilities. Founded in 1984, Allsup has helped more than 100,000 people receive their entitled Social Security Disability Insurance and Medicare benefits. Allsup employs more than 500 professionals who deliver services directly to consumers and their families, or through their employers and long-term disability insurance carriers.
For more information, visit http://www.Allsup.com .
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Question by Information Police: Why do Cons keep asking if health care is right – where do they think rights come from?
Cons, do you think that the guaranteeing of rights ended in 1789? This is a democracy OF the people and FOR the people. If we decide there is a new right we want the government to guarantee for us, then that is the will of the governed.
Why do you have a problem with this concept?
Answer by Unka Dano
Let me tell you all of a hard reality. Our present health care system has some serious flaws. For instance, when you hear of a senior that committed suicide due to poor health, they more than likely did it due to lack of insurance.
Seniors in that boat could wipe out their savings to live a few years longer, but doing that would leave their spouse financially destitute. So they’re left with three choices. They can either sit back and let nature take her agonizing course, or make their spouse financially destitute, or they can put a gun to their head. Such a scenario happens everyday.
Welcome to America’s health care nightmare. Pray you don’t end up in that situation.
Here is another American medical nightmare. It’s a medical insurance practice called “Patient dumping”. We all better pray we don’t end up in this situation either.
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Question by Jhawk: Is the healthcare bill going to pass tomorrow? And what are the pros and cons of it?
Answer by Jim
It will pass. The Dem’s will have champagne toasts tomorrow night. Then in November the House will revert to Republican controlled and the Senate will lose at least 7 seats. In 2012 the Senate and the president will both go Republican and the bill will be overturned. President Obama will overtake Jimmy Carter as the worst president in modern times and may even beat out the likes of Franklyn Pierce as the worst president in American history.
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Question by : What do Medical Professionals think about the passing of the health care bill, both the pros and cons?
I am currently doing research on the health care bill, and would like to know how medical professionals (from all walks) feel about the passing of the health care bill. Let me know your profession and how long you’ve been in the medical field. Include both the pros and cons if possible. Let me know what you think!
Answer by Tofu Ninja
I am a hospital pharmacist and I think it is a good thing. We have so many patients with no insurance coming to ER because of no insurance (or they don’t want to pay.) The hospital get stuck with the bills and we have to lay off a lot of people. ER is very expansive. If they have insurance, they can go to primary care doctor for minor things. They also have to pay their co-pay which will reduce those frivolous ER visit. We have people come in just for allergy! They don’t want to pay for Claritin over the counter and come to ER and asked for a prescription. Then filled in at pharmacy with Medicaid. We need them pay some money back!
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