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Tuesday, April 24, 2012

If the Republicans Get their way with health Care


I've read several scenarios about what would happen if the Supreme Court strikes down Obamacare or if the GOP repeals it next year... One report said it would bankrupt our health care system because the bureaucracy would come to a standstill, leaving a lot of procedure and payment questions unanswered. If you remember during the GOP presidential debates, all the candidates wanted to repeal Obamacare, but they never offered, a suitable replacement.

Years and years of skyrocketing health care costs was the only reason the Obama administration took up the measure.

According to Ricardo Alonso-Zaldivar of the AP, “we can’t look for the government to step in.”

Employers and insurance companies will take charge and will probably use some of the good ideas in Obama's care, discard some, but those two entities will push harder to bring down costs...Theirs.

More than likely workers will bear most of their own medical cost with higher deductibles and out -of- pocket cost before insurance ever kicks in. Smokers will probably face financial penalties if they don't seriously try to quit. Overweight employees with hypertension and diabetes will be tagged as health risks and encouraged to get on diet programs.

Some companies will keep the popular provision of coverage, such as the one that allows employees to keep adult children under age 26 on their policies but others will eliminate it

Workers and family members and will be steered to hospitals and doctors who can prove  that they can deliver quality care, and the doctors would earn part of their fees for keeping their patients healthier. This provision is similar to the "accountable care organizations" in the current healthcare law.

Some workers would pick their healthcare provider from an exchange program similar to the healthcare law. They'll get fixed payments from their employers to choose from gold, silver, platinum and bronze plans and pay accordingly.

Obviously, we will go back to square one, where employers were the major drivers in health care plan changes before it became too expensive for them to handle.

One thing is certain; businesses can't and won't take care of the 50,000,000 uninsured.

Careful what you wish for.

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