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Medicare Part B, Obamacare and the upcoming election in November

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Posted: Saturday, March 24, 2012 12:00 am | Updated: 6:00 am, Sat Mar 24, 2012.

If you are on Medicare, you probably haven't heard about the Medicare B premiums scheduled to increase. These provisions are incorporated in Obamacare legislation:

2011 — Medicare B deduction, $96.40 per month; 2012 — Medicare B deduction, $99.90 per month (increase ate up the cost of living increase); 2013 — Medicare B deduction, $120.20 per month; and 2014 — Medicare B deduction, $247.00 per month.

Note how this more than double jump is safely past the 2012 November elections.

Who did Obama threaten when he wasn't getting his way on raising the debt ceiling? He threatened not to pay Social Security retirees, military retirees and federal retirees their pension checks. But this is par for the course with politicians. When California wants more money, who do they threaten to cut — education, fire and police protection! They threaten cuts that hurt the most.

Remember in November!

Phyllis Roche

Lodi

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19 comments:

  • Darrell Baumbach posted at 5:32 am on Sat, Mar 31, 2012.

    Darrell Baumbach Posts: 9405

    Ms Bobin... Now that you are aware of some of the choices Obamacare deprives the consumer of... are you ready to go against Obama?...

     
  • Darrell Baumbach posted at 9:17 pm on Mon, Mar 26, 2012.

    Darrell Baumbach Posts: 9405

    Ms Bobin stated... where do most "working" people get their healthcare? From employers. Most employers no longer have multiple carriers for their health insurance.

    Actually Ms Bobin, you probably are not familiar will how most HMO's opperate. For example, Blue Cross, Health Net, Blue Shield, Aetna, United all have HMO's where each employee contractually can change from one IPA to another with just a 30 day notice. For example, Health Net HMO in Stockton offers Sutter Gould and Hills Physicians Medical group as options. So an Employer that offers only health net, gives his.her employees guaranteed options to have choice of IPA's and can change from one to the other contractually in short order... Of course once OBAMACARE takes over, this choice disapears as well.

     
  • Joanne Bobin posted at 1:22 pm on Mon, Mar 26, 2012.

    Joanne Bobin Posts: 4488

    "In fact, if one has an HMO now, and a particular IPA declined a particular procedure, you are free to change to an alternate IPA where they same procedure might be covered."

    That is a truly interesting statement...where do most "working" people get their healthcare? From employers. Most employers no longer have multiple carriers for their health insurance. Whereas previously, an employer might offer a low cost Kaiser plan and higher priced BC or BS HMO and PPO plans, that is no longer the case, so moving to another HMO is not a viable choice. Moving to another IPA would involve changing your PCP and unless there is some procedure that is very critical most people do not want to go through that process. In Lodi, BC does not contract with Sutter Gould anymore, so you are stuck with Hill.

    The company I consult for dropped its BC HMO plan several years ago (way before the ACA was passed) because the prices were unaffordable. They now offer two PPO plans. One has premiums of $2362 for a family with a low annual deductible ($250/person), and the other has a premium of $1526 for a family with $2500 per person annual deductible for medical and $250 for prescriptions and both pay only 80% of charges - and we won't even mention copays.

    Healthcare costs are a mess anyway you look at it. I don't know if the ACA is going to change any of that or not, but something else needs to be done if the Supremes knock it down. I hope the Republicans are prepared to stand up to the task if they are successful in November.

     
  • Darrell Baumbach posted at 8:20 pm on Sun, Mar 25, 2012.

    Darrell Baumbach Posts: 9405

    Ms Bobin stated...And the "US Preventive Services Task Force" that Mr. Baumbach makes sound akin to having Josef Mengele as your personal physician, is no scarier than having your IPA determine what you need or don't need.

    Interesting thought but completely false...

    In fact, if one has an HMO now, and a particular IPA declined a particular procedure, you are free to change to an alternate IPA where they same procedure might be covered. You currently have that choice which Obamacare eliminates in 2014 . In addition, if you do not like whats covered in one HMO, you can change to another. For example, I know personally of four people who were denied coverage for Gastric bypass surgery under their HMO IPA. They changed to another plan that covered that procedure and are now much better off.

    What Ms Bobin is saying is that these four people, should not have had the choice. She wants all people in United states to be subjuct to one unelected board that makes decisions. If they say something is not covered... its not covered anywhere. Of course the rich can pay cash to keep their health when something is not covered. Evidently Ms Bobin thinks the rich should have access to quality health care but not the 99% ers... interesting

     
  • Darrell Baumbach posted at 7:33 pm on Sun, Mar 25, 2012.

    Darrell Baumbach Posts: 9405

    By the way Ms Bobin... how much in profit do you think AARP is making off seniors...and why do you think AARP was supporting Obamacare... Anyone who wants to make a financial killing and does not care about ethics, should invest heavily in AARP if Obamacare stays law... Since AARP will gain great fortunate and wealth at the expense of seniors, it will become very very profitable. Personally, I will never invest or participate in anything AARP promotes as their profit margin is too high for it to be good for the consumer.

     
  • Darrell Baumbach posted at 7:27 pm on Sun, Mar 25, 2012.

    Darrell Baumbach Posts: 9405

    Ms Bobin stated...to purchase a Medicare supplement plan (most likely an HMO

    No Ms Bobin... medicare is not an HMO... and medicare supplements are normally not HMO. However, if one did opt out of medicare to medicare senior advantage which are private sector insurance companies, then many HMO's are available.

    For example, The Ruby plan with Health Net is an HMO, In fact, all Senior advantage plans in San Joaquin county are HMO now that Blue Cross freedom Blue PPO plan pulled out of this area...

    But please keep focused Ms Bobin... Obamacaare will completely eliminate senior advantage in United States. They have already defunded it and will apply 500 billion that was to go to senior advantage programs and now to Obamacare.
    Once that happens, private HMO's will no longer be availabe and seniors will be forced to buy high cost medicare suppliments that AARP so enthusiastically is waiting for so their profit margin will increase.

     
  • Joanne Bobin posted at 4:26 pm on Sun, Mar 25, 2012.

    Joanne Bobin Posts: 4488

    Actually, Mr. Baumbach's description of Medicare under Obamacare is exactly the way the typical HMO operates. No fee-for-service, capitation paid to your PCP, a panel that reviews all procedures recommended by your PCP (the Independent Physicians' Association - IPA - most in this area might be familiar with Hill Physicians or Sutter Gould), a panel that reviews the need to see a specialist and any procedures recommended by the specialist, a panel that determines whether you can have lab tests or if you've had too many visits to the doctor or the lab, etc., etc.

    Since Medicare already does not pay for the bulk of medical visits and procedures, expecially hospital stays, most people need to purchase a Medicare supplement plan (most likely an HMO) unless you want to be stuck with huge bills for whatever Medicare doesn't pay. Guess who has to approve every single procedure? That's right - the HMO's IPA.

    You can sign up for one of those "Medicare Advantage Plans" that Mr. Baumbach touts, but who runs the plan? - that's right, a health insurance company, and there go all of the medical review boards again for every specialist and procedure recommended by your PCP. There are huge deductibles in Medicare Advantage and then the prescription drug "donut-hole."

    And the "US Preventive Services Task Force" that Mr. Baumbach makes sound akin to having Josef Mengele as your personal physician, is no scarier than having your IPA determine what you need or don't need. Google it - it is NOT a bunch of bureaucrats making decisions about your health, and may be better than the corporate clowns who run HMO's who, aside from an IPA's recommendation, DO ultimately decide whether you'll get that kidney transplant or not.

     
  • Laura Rouzer posted at 11:10 am on Sun, Mar 25, 2012.

    Laura Rouzer Posts: 57

    Here's a thought, try contributing to it and knowing you will never even get to see the reward.

     
  • Darrell Baumbach posted at 3:25 am on Sun, Mar 25, 2012.

    Darrell Baumbach Posts: 9405

    Under ObamaCare, a single committee—the United States Preventative Services Task Force—is empowered to evaluate preventive health services and decide which will be covered by health-insurance plans.Americans first became familiar with the task force in November 2009, when it made the controversial decision to recommend that women ages 40-49 shouldn't get routine mammograms. More recently, it rebuffed routine prostate-cancer screening and the use of tests that detect the viruses that can cause cervical cancer

    http://online.wsj.com/article/SB10001424052970204795304577220950656734864.html

     
  • Darrell Baumbach posted at 10:41 pm on Sat, Mar 24, 2012.

    Darrell Baumbach Posts: 9405


    Obamacare Ends Traditional Medicare, but the Wrong Way: Former House Speaker Nancy Pelosi claimed that the health law protects Medicare. The truth: Obamacare makes massive changes to the program. Obamacare contains more than 160 provisions for Medicare that increase government’s control over the delivery of care, hit doctors with unsustainable payment cuts, and leave taxpayers with higher deficits.

    In other words, there are many variables that are untested and no one knows how bad it could get... If you like government micromanaging your health care and want no choices, I imagine you will fit right in with the crowd that enjoys forcing people do do as they see fit.

     
  • Darrell Baumbach posted at 10:36 pm on Sat, Mar 24, 2012.

    Darrell Baumbach Posts: 9405

    Some examples of some up coming changes include...

    The Independent Payment Advisory Board will control the Medicare budget and be unstoppable unless Congress intervenes. Centralized control.

    Ends Fee-for-Service: Obamacare’s Center for Medicare and Medicaid Innovation will conduct payment and delivery reform demonstrations with a goal of changing Medicare from fee-for-service to “capitated” or salaried payments. Unlike a pluralistic system of competitive plans, Medicare patients will have little or no control over whether or not they will be subject to these changes.
    Diverts Medicare Savings to Pay for Obamacare: Obamacare squeezes an estimated $575 billion out of Medicare from provider payment cuts in its initial 10 years. But rather than plowing those savings back into Medicare to enhance the solvency of the program, the savings will be used to expand other Obamacare entitlements and programs.

    http://www.heritage.org/research/factsheets/2012/01/obamacare-obama-ends-medicare-as-we-know-it

     
  • Darrell Baumbach posted at 10:28 pm on Sat, Mar 24, 2012.

    Darrell Baumbach Posts: 9405

    Cliff stated...If Ms. Roche was really interested in getting the facts about how Obamacare will effect us she should have attended the Lodi Chambers' meeting on Obamacare presented by the Bay Area Council to ask the experts...

    I have been to about 6 meetings held by professional organizations that reviewed Obamacare and what provisions are in it. I have also read half of the actual bill.
    My experince is that each presentation is dramatically different and each group had different intrepretations of the law and how it would effect everyone.

    Im curious Mr DeBaugh, How did you determine that this particular meeting was accurate and exactly what is it that you think you learned?

     
  • Cliff DeBaugh posted at 9:45 pm on Sat, Mar 24, 2012.

    C DeBaugh Posts: 2

    If Ms. Roche was really interested in getting the facts about how Obamacare will effect us she should have attended the Lodi Chambers' meeting on Obamacare presented by the Bay Area Council to ask the experts. The forum was not restyricted to chamber members. They were extremely knowledgeable and more than willing to answer any question.
    Out of the chambers membership it was a sad comment on interest as only about 10-12 people attended the forum. To all who complain..get the facts before you speak. That way you may actually appear intelligent!

     
  • Sam Heller posted at 8:09 pm on Sat, Mar 24, 2012.

    Sam Heller Posts: 176

    Darrell, I am 61. I currently pay $932 a month for my health insurance. I am only looking for it to go up. How is Paul Ryan's $6000 a year voucher for health care instead of medicare AND removing my health insurance deduction going to better serve me?

     
  • Darrell Baumbach posted at 7:55 pm on Sat, Mar 24, 2012.

    Darrell Baumbach Posts: 9405

    Anyone who does not believe that the cost of healthcare (especially for seniors) is going to dramatically increase in the next 10 year is in a fantasy. Doctors are going to be paid more for the medicare services. More and more mandated benefits are covered. I think one would be economically foolish to not plan on these rate increases. Either the quality of care is going to diminish or the rates are going to dramatically go up...

    Meanwhile, the unprepared like certain posters on this thread will be shocked when this comes to be. Please do not complaint then as you should do something about it now by voting Obama out next November.

     
  • Sam Heller posted at 5:02 pm on Sat, Mar 24, 2012.

    Sam Heller Posts: 176

    Mr. Goethel, thank you for your post. I too found Ms Roche's facts to be false when I checked them.

     
  • Joanne Bobin posted at 10:22 am on Sat, Mar 24, 2012.

    Joanne Bobin Posts: 4488

    Thank you, Mr. Goethel, for your fact-checking. Once again I found almost the exact wording of Ms. Roche's letter in various Internet posts/articles - right down to the "remember in November" comment.

    http://factcheck.org/2011/04/premium-nonsense-on-medicare/

    There used to be two "women" who wrote monthly letters to the LNS, Ms. Roche and another person who has disappeared from the landscape - both had JBS -sentiments, i.e., anti-United Nations, "new-world order," global economy conspiracy theories, etc. "Ms. Roche" (whom I seriously doubt actually exists under that moniker) continues to write via "copying and pasting" the nonsense that appears in her JBS newsletters and emails.

    Why the LNS continues to publish this plagiarized material is beyond me.

     
  • Frederick Goethel posted at 7:30 am on Sat, Mar 24, 2012.

    Frederick Goethel Posts: 50

    So the author of this letter got her facts totslly wrong....gee what a surprise. Factcheck.org, Politifact.org and even Fox Business News all say this is false and the result of a chain mail started several years ago. In fact, Fox talked to officals at Social Security who determine premiums for Medicare Part B and they expect it to decline enxt year.

     
  • Darrell Baumbach posted at 12:57 am on Sat, Mar 24, 2012.

    Darrell Baumbach Posts: 9405

    Medicare Advantage which is now free for many seniors was gutted by Obama... the premiums will dramatically increase to $200.00 + a month in addition to the dramatically increased cost of part B... and as was stated in this letter, our snake in chief did this in the darkness of night waiting until 2012 elections are over... Some might call his actions cowardly.

     

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