I will be disabled without medical care reform - how will this HCR bill help me?

mdmc

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Wed Feb-24-10 03:52 PM
Original message

I will be disabled without medical care reform - how will this HCR bill help me?

I fear that the HCR bill will not help me avoid disability.
I need about $560 per month to receive OT / PT treatments.
Without these treatments I may become disabled.
I currently have health insurance - but I need $560 per month in order to access the medical treatment.

I earn about 40k in NYS.

Will this HCR bill help me to receive the treatment I need?

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winyanstaz

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Wed Feb-24-10 04:13 PM
Response to Original message

1. Probably not without paying more money to the insurance companies....

This bill isnt about helping anyone except the insurance companies...
If it was ..it would include a public option and it sure wouldnt penalize people for not being able to afford more insurance.

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brand404

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Wed Feb-24-10 04:28 PM
Response to Original message

2. GOP: "Crawl on your knees and beg your neighbor" or "Die quickly"

And people say GOP has no healthcare plan :shrug:

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mdmc

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Wed Feb-24-10 04:31 PM
Response to Reply #2

3. The GOP's plan is the current system

Does the HCR bill offer me any relief?

I would love to see some help..

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Donnachaidh

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Wed Feb-24-10 04:39 PM
Response to Original message

4. IIRC this doesn't even go into effect until 2013

so if this is true -- it' ain't gonna help.

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ProSense

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Wed Feb-24-10 05:00 PM
Response to Original message

5. Here is some information, not sure it will help

How the Patient Protection and Affordable Care Act Will Help People with Disabilities

There may also be answers in this PDF.

How are you paying for your treatment now?

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mdmc

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Wed Feb-24-10 05:16 PM
Response to Reply #5

7. Thanks for the information prosense

I currently have health insurance through my employer. I pay for what I can out of pocket. I pick and chose what I can afford. Currently my teeth really hurt but the teeth are on back burner as my knees and elbow are no longer working the way they should..

Thanks for the links. peace and low stress..

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SanchoPanza

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Wed Feb-24-10 05:13 PM
Response to Original message

6. Off the top of my head...

The exchanges require all policies within them to adhere to standardized benefit categories. Bronze, Silver, Gold, Platinum, etc. By 2014, all health insurance policies must comply with those categories as well. All categories require a limit on out of pocket costs that varies depending upon the %FPL of the policy holder.

Yearly out of pocket expenses are capped for individuals/families who are below 400% of the poverty line at a little less than $4000, regardless of the benefits category they select from. 40K is around 370% FPL for individuals.

So, by law, you couldn't be charged more than ~$320 a month.

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mdmc

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Wed Feb-24-10 05:17 PM
Response to Reply #6

8. thanks for the info

A $350 per month cap would be helpful, but I still could not afford it..

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SanchoPanza

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Wed Feb-24-10 05:24 PM
Response to Reply #8

9. That's the hard cap.

Given that each exchange requires a non-profit entity that contracts through the Office of Personnel Management (the same agency that manages the Federal Employee Benefits Plan), the actual OoP and premium costs would likely be less due to downward pressure on costs and the number of individuals who would be in the new risk pool.

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mdmc

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Thu Feb-25-10 09:16 AM
Response to Original message

10. anyone?

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