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  • On Health Care Reform - not for the faint of heart

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    20 posts, 12 voices, 2318 views, started Jan 27, 2010

    Posted on Wednesday, January 27, 2010 by Trudy S

    • From [Link Removed] website.

      Hey you. You there in the Glenn Beck T-shirt headed off to the Tea Party Patriot rally.

      Stop shouting for a moment, please, I want to explain to you why you‘re so very angry.

      You should be angry. You're getting screwed.  

      I think you know that. But you don’t seem to know that it doesn’t have to be that way. You can stop it. You can stop it easily because the system that’s screwing you over can only keep screwing you over if you keep demanding that it do so.

      So stop demanding that. Stop helping the system screw you over.

      Look, you can go back to yelling at me in a minute, but just read this first.

      1. Get out your pay stub.  

      Or, if you have direct deposit  you really should get direct deposit, it saves a lot of time and money (I point this out because, honestly, I’m trying to help you here, even though you don’t make that easy Mr. Angry Screamy Guy)  then take out that little paper receipt they give you when your pay gets directly deposited.

      2. Notice that your net pay is lower than your gross pay.  This is because some of your wages are withheld every pay period.

      3. Notice that only some of this money that was withheld went to pay taxes.  (I know, I know - yeearrrgh! me hates taxes! - but just try to stick with me for just a second here.)

      4. Notice that some of the money that was withheld didn't go to taxes, but to your health insurance company.  

      5. Now go get a pay stub from last year around this time, from January of 2009.  

      6. Notice that the amount of your pay withheld for taxes in your current paycheck is less than the amount that was withheld a year ago.  

      That’s because of President Barack Obama’s economic stimulus plan, which included more than $200 billion in tax cuts, including the one you‘re holding right there in your hand, the tax cut that’s now staring you in the face. Republicans all voted against that tax cut. And then they told you to get angry about the stimulus plan. They didn’t explain, however, why you were supposed to get angry about getting a tax cut. Why would you be? Wouldn’t it make more sense to get angry at the people who voted against that Obama tax cut?

      But taxes aren’t the really important thing here. The really important thing starts with the next point.

      7. Notice that the amount of your pay withheld to pay for your health insurance is more than it was last year.  

      8. Notice that the amount of your pay withheld to pay for your health insurance is a lot more than it was last year.  

      I won’t ask you to dig up old paychecks from 2008 and 2007, but this has been going on for a long time. Every year, the amount of your paycheck withheld to pay for your health insurance goes up. A lot.

      9. Notice the one figure there on your two pay stubs that hasn't changed: Your wage .  The raise you didn't get this year went to pay for that big increase in the cost of your health insurance.

      10. Here's where I need you to start doing a better job of putting two and two together. If you didn't get a raise last year because the cost of your health insurance went up by a lot, and the cost of your health insurance is going to go up by a lot again this year, what do you think that means for any chance you might have of getting a raise this year?

      11. Did you figure it out? That's right. The increasing cost of health insurance means you won't get a raise this year.  Or next year. Or the year after that. The increasing cost of health insurance means you will never get a raise again.

      That’s what I meant when I said you really should be angry. That’s what I meant when I said you‘re getting screwed.

      OK, we‘re almost done. Just a few more points, I promise.

      12. The only hope you have of ever seeing another pay raise is if Congress passes health care reform.  Without health care reform, the increasing cost of your health insurance will swallow this year's raise. And next year's raise. And pretty soon it won't stop with just your raise. Without health care reform, the increasing cost of your health insurance will start making your pay go down.

      13. I wish I could tell you that this was just a worst-case scenario, that this was only something that might, maybe happen, but that wouldn't be true.  

      Without health care reform, this is what will happen. We know this because this is what is happening now. It has been happening for the past 10 years. In 2008, employers spent on average 25 percent more per employee than they did in 2001, but wages on average did not increase during those years. The price of milk went up. The price of gas went up. But wages did not. All of the money that would have gone to higher wages went to pay the higher and higher and higher cost of health insurance. And unless Congress passes health care reform, that will not change.

      Well, it will change in the sense that it will keep getting worse, but it won’t get better. Unless the problem gets fixed, the problem won’t be fixed. That’s kind of what “problem” and “fixed” mean.

      14. Sadly for any chance you have of ever seeing a raise again, it looks like Congress may not pass health care reform. It looks like they won't do that because they're scared of angry voters who are demanding that they oppose health care reform, angry voters who demand that Congress not do anything that would keep the cost of health insurance from going up and up and up. Angry voters like you.

      15. Do you see the point here?  

      You are angrily, loudly demanding that Congress make sure that you never, ever get another pay raise as long as you live. Because of you and because of your angry demands, you and your family and your kids are going to have to get by with less this year than last year. And next year you‘re going to have to get by with even less. And if you keep angrily demanding that no one must ever fix this problem, then you‘re going to have to figure out how to get by on less and less every year for the rest of your life.

      16. So please, for your own sake, for your family's sake and the sake of your children, stop.  

      Stop demanding that problems not get fixed. Stop demanding that you keep getting screwed. Stay angry you should be angry but start directing that anger toward the system that's screwing you over and taking money out of your pocket.  Start directing that anger toward fixing problems instead of toward making sure they never get fixed. Instead of demanding that Congress oppose health care reform so that you never, ever, get another pay raise, start demanding that they pass health care reform, as soon as possible. Because until they do, you're just going to keep on getting screwed.

      And it’s going to be that much worse knowing that you brought this on yourself -that you demanded it.

      Thanks for your time.

      Isagenixbeliever, Your links have been removed, please consider upgrading to premium membership.

      Love it

        • +2 votes vote up vote up

          Tamra wrote Jan 28, 2010
        • I’d like to clear up some confusion with a few remarks...

          Actually, there is much agreement that health care reform is needed.  Even most tea baggers ARE strongly in favor of reform.  Just not a government take-over of health care.  They don’t like what they see in the government-run programs already in place, and certainly don’t want that to be their fate, too.

          One point to remember - your pay stub does not tell you if your taxes have been cut.  Reduced withholding does not mean taxes are decreased.  You have to look at your Form 1040 to determine that.  I have seen many people who followed the tax withholding tables only to find they owed a lot of money when they filed their 1040 on April 15.  Beware of the tax tables!

                Report  Reply

        • 0 votes vote up vote up

          Vikki Hall wrote Jan 28, 2010
        • Well I love how you broke this down and laid it out. I do expect that there will be some disarrement to your facts but that’s ok. It was still good! Point taken!

          On another note tho I just want to mention that I used to work for a “small business” and they paid about 90% of my family insurance tab. When the “small business” was sold to a large corporation my insurance went up 175%. I might add that it was early 2008 pre Obama!

                Report  Reply

        • +1 votes vote up vote up

          Amyc wrote Feb 23, 2010
        • If Democrats were actually seeking to reform health care, they might give the Republican plan a look.  This is not about health care; it's about government control of our lives.

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        • 0 votes vote up vote up

          Max0125 wrote Feb 24, 2010
        • There were several good points ladies.

          My point is a bit different. If you are going to get angry at the government, perhaps you should also get angry with the insurance companies (and banking industries while you are at it) since they have created a situation where we need reform. They have done a horrible job of providing service to millions of American by skyrocketing rates so that people have to choose between basic living expenses or health insurance. They also have cut back on focusing on prevention of disease since treating diseases such as open heart surgery are more profitable. Got cancer the second time? Too bad, you cost too much and your insurance is taken away. It has always fascinated me how many insurance companies are listed in Forbes.

          All I am asking is rather than being upset by the Government trying to reform health care, which we desperately need thanks to the corrupt insuance companies, they really should focus their anger towards who really created the situation...In my opinion, they are just as evil as the credit card and banking industries.

          That said, I believe that we are at a point that we should stop blaming and start fixing the health care (and banking) system. If the Government has to intervene, so be it! I just wish that we didn’t have such a problem with corporate greed.

          I will step off my soap box now! I wish all of you a wonderful day!

                Report  Reply

        • +2 votes vote up vote up

          Tamra wrote Feb 24, 2010
        • Getting angry with the insurance companies is certainly understandable!  They complicate health care, and often delay care causing much unnecessary pain and suffering.

          But you have to look below the surface of this issue if you want to achieve meaningful reform.  Our health care system is an intertwined mess, and many different entities are part of the problem.

          Given the desire to make money, insurance companies want to sell insurance, right?  So if one company can sell you coverage at a lower rate, you’ll choose them instead of their competitor, agreed?

          So the question becomes, what makes the premiums so expensive that many people can’t buy decent coverage given that insurance companies want badly to sell it to us to line their corporate pockets?

          I suggest part of the problem is the constant ligitgation that our physicians routinely waste time and energy defending themselves against.

          Yet, currently, I am not aware of any action being taken to reduce this problem.  Why doesn’t the Obama/Democratic plan for reform address this?  Is it because a HUGE amount of money goes to the Democrats from plantiff attorneys filing lawsuits against physicians?  Let’s face it, reducing litigation is definately NOT what the attorneys hope to see as a result of healthcare reform.

          And that stinks of corruption, too, don’t ya think?

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        • 0 votes vote up vote up

          Philmaria wrote Feb 24, 2010
        • health care is not a federal issue,read the constitution it is not in there,for true reform we need to have more doctors,so an increase in medical schools would help,also tort reform would lower insurance cost,the test being done just to cover doctors butts are very costly.there is no need for a huge program,do small things to start and add  on as needed,reform health care don’t create an even bigger mess

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        • +1 votes vote up vote up

          Max0125 wrote Feb 24, 2010
        • I agree! I think that we should start with litigation control, decrease health care costs through prevention programs as well as making insurance affordable, among other things.

                Report  Reply

        • +2 votes vote up vote up

          Tamra wrote Feb 24, 2010
        • Support of preventative measures is a great idea!  Would reduce care costs as well as improve the quality of life.  After all, we already do this in some areas, ie, immunizations.

          Agreed, the system needs reform, not a total overhaul.  More than half of Americans are happy with their current care, and, last time I checked, we do still live in a majority rule nation.  Most of us don’t want dramatic change, even though most of us would like to see improvements made.

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        • 0 votes vote up vote up

          Philmaria wrote Feb 24, 2010
        • annie, awesome reply, you put it so perfectly

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        • +1 votes vote up vote up

          Mary Clark wrote Feb 24, 2010
        • Tamra and Annie...hit the nail on the head with this one.  Everyone has the right to voice their opinion.  The paycheck is not what you need to be looking at as far as what you are getting less of or more of but your 1040 form as Tamra stated.  That little $13 a week added to your paycheck from Obama certainly didnt help you on your taxes this year.  And what did $13 a week buy you?  Not much but the tax tables were not changed to reflect that “little” bonus.  See...they didn’t tell you about that did they?  

          Most individuals DO want HEALTH CARE REFORM...but your Tea Partiers and other individuals DO NOT WANT A GOVERNMENT run healthcare system.  Our government is in a mess as it is...and we want them to take control of our health?  Pleaseeeee....

          And just an added note...I did get a nice raise in August and I will get another this year.
          The employees who have the insurance that my employer  provides only pays $1 per pay period which is bi-weekly.  Its been that way for years. did not see an increase....and yes...we got a raise.  

          Democrats need to quit cramming something down the majorities throats that they don’t want...and instead listen to the Republicans as to what they have as a plan.  

          Why does a healthcare bill have stuff in it that has nothing to do with healthcare?????
          Answer that for me will ya....

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        • 0 votes vote up vote up

          Dana Hall wrote Feb 24, 2010
        • And, wait until the Bush taxcuts are cut. It is simply a lie that “only the rich got the taxcut“. I’m sure most of you remember that yummy refund, if you think about it. Too bad it’s going, that will be a huge cut for most of us.

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        • 0 votes vote up vote up

          Dana Hall wrote Feb 24, 2010
        • As for the Health Care Reform. This plan is NOT the reform that Americans need.

          “If people are upset with the govt's decision on anything, they have a right to voice their opinions. That's what makes this country great! Protests happen all the time, on all topics.”
          “As for healthcare reform, EVERYONE wants reform.”
          Well said, Annie.  

          The rest is simply talking points. Demonizing the Tea Party AMERICANS is ridiculous. We are all Americans, and it is their right to protest, just as everyone else. Tea Party members are from every walk of life, every party, race, age, sex, etc. They are sick of taxation without representation, and want to restore the constitution.  

          I live in California, the highest (or one of the highest) taxed states in the nation, and believe me, the worst is yet to come. The state is broke, and we will have to pay for it in many new taxes, rate increases, and fees for usage of anything.  

          I worked many years in the insurance industry. I know a little about it. First of all, do you defenders of the Democrats plan know what kind of coverage you will get under the plan? Why do you think there are suddenly new
          "guidelines" coming out for fewer mammograms, pap-smears, etc.? It's called socialized (limited) medicine. It hasn't worked in ANY country it's been tried in, that's why those who can afford it come to America  for their health care emergencies. The ONLY way it works is to limit services.

          Also, what will the cost be? When buying insurance of any type, you MUST read the coverage provided, and probably most important, the EXCLUSIONS and limitations, then determine whether the cost is reasonable.  

          How often can you get a mammogram, pap smear, colonoscopy, on this plan? What is the wait time? Hmmmmm, 8 months wait for the test? You did the smear test at home, it came out positive for colon cancer, and now you have to wait 8 months for the colonoscopy? This is  typical in Canada, for example. LONG wait times to see your doctor, have tests run, etc. AMERICANS DON‘T WANT OUR HEALTH CARE COMPROMISED.  

          What drugs are covered, or excluded? The expensive cancer drugs, are limited in some countries, and people are dying needlessly of breast cancer and other curable cancers in the U.S. Our cancer survival rates are far better than the countries with a socialized plan.

          This bill includes FINES and JAIL TIME for Americans that don’t buy insurance. JAIL TIME!?? This is the UNITED STATES of AMERICA! THAT IS NOT CONSTITUTIONAL. And you wonder why the Tea Party members are upset?? NEVER has this occurred in America before, WE ARE LOSING OUR RIGHTS AS AMERICAN CITIZENS!  

          It is UNCONSTITUTIONAL to mandate that all Americans buy ANYTHING!

          WHAT are you buying with this plan? Do you know?
          What will it cost? NO ONE KNOWS. When does coverage begin?

          The Democrats estimate COVERAGE WILL BEGIN in FOUR YEARS! THAT doesn’t solve the problem. But, the taxes to pay for the plan will roll out as soon as the bill passes. This IS the plan.

          American Health Care is indisputably the best in the world. WHY CHANGE IT? WHY LIMIT COVERAGE?
          It is necessary to limit coverage to make this type of plan work. THAT is what is wrong with this type of “Reform“.

          The Republicans have ALL ALONG offered a plan which:  

          *LEAVES OUR HEALTH CARE COVERAGE ALONE- it’s the best DON‘T change it!

          *Includes Tort Reform to KEEP COSTS DOWN

          *Includes the ability to purchase health plans over State lines, so you can buy the best coverage for the money

          *Does NOT change the recommendations for life saving tests and procedures
          This is REAL REFORM that makes sense.

          The Democrat’s plan doesn’t work to cut costs.

          Personally, I could CARE LESS WHICH PARTY comes up with the best plan, more power to them, whoever they are!
          This simply is a TERRIBLE plan.

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        • 0 votes vote up vote up

          Bobbi Bacha wrote Feb 24, 2010
        • Lets face it.  Its not the healtcare providers that are doing a bad job or the Hospitals or our clinics.  Its Insurance reform that we are talking about !!  Insurance rates are nuts, too expensive and dictating healthcare (to the doctors).  The Insurance companies are driving up the costs. Not the providers.  

          I agree that no one should be turned down for insurance as long as they can pay a reasonable fee for insurance not something that we cant afford. I also think that children living at home should be covered under a family plan past age 21.  Much much more.  I dont believe in Government Healthcare.  We have forms of it already Veterans healthcare.. and Medicare.  Lets let Americans have a choice of Private Care.

          Insurance reform is the word.  I just spoke to a pregnant young lady on Medicare to have her baby and she said she waits all day for one appointment.  Its months in advance, and she has been lost in system three times.

          Medical Insurance Reform.. I think that is what Americans really want, to have affordable insurance for thier families.

                Report  Reply

        • +1 votes vote up vote up

          Amyc wrote Feb 24, 2010
        • This is obviously a hot topic and I appreciate reading some very thoughtful, informed comments. I agree we want and need reform, but we should not just buy into what the media tells us. We need this kind of thoughtful debate to stir things up and make people take a hard look at what is really going on. What you don’t know CAN kill you.

                Report  Reply

        • +1 votes vote up vote up

          Tamra wrote Feb 24, 2010
        • Anon, I have always thought that the current proposals will hurt the poorest among us the most.  And your explanation states why I believe that.  Not only will the regressive taxes you mentioned hurt them, but the substandard care they will be forced to accept from a gov’t run plan will mean they get low-quality care similar to the young pregnant woman in Bobbi’s story.  Thanks for making the point.

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