Families: The 36.8 million residents of California will benefit as reform:
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Creates immediate options for people who can’t get insurance today. 9 percent of people in California have diabetes2, and 25 percent have high blood pressure – two conditions that insurance companies could use as a reason to deny health insurance coverage. Reform will establish a high-risk pool to enable people who cannot get insurance today to find an affordable health plan.
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Seniors: California’s 4.5 million Medicare beneficiaries will benefit as reform:
Lowers premiums by reducing Medicare’s overpayments to private plans. All Medicare beneficiaries pay the price of excessive overpayments through higher premiums – even the 66 percent of seniors in California who are not enrolled in a Medicare Advantage plan. A typical couple in traditional Medicare will pay nearly $90 in additional Medicare premiums next year to subsidize these private plans. Health insurance reform clamps down on these excessive payments.
http://www.healthreform.gov/reports/statehealthreform/california.htmlFirst, California already has a pool for otherwise uninsurable people, folks with pre-existing conditions. It's just so extremely expensive only the rich can afford it. So, how does this bill improve anything? Sounds like this pool is just another place to throw the hard-to-insure, the costly patients. Whatever happened to not allowing insurers to refuse to cover people due to pre-existing conditions? I thought that was the trade-off for requiring everyone to enroll. Am I not understanding how this is going to work?
Second, what do they mean by "Medicare's overpayments to private plans." I'm in a Kaiser senior advantage plan. Is Medicare paying it extra for my coverage? I pay extra for my coverage. How much is the government paying? Is my coverage going to be cut because I'm in a Medicare Advantage Plan?
Can someone please answer my questions? Thanks in advance if you can.