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Why is Obama ignoring the fact that the greatest health care concern facing America really is?
Why is Obama ignoring the fact that the greatest health care concern facing America really is the fact that untold millions of people need or will be needing long term care which at the moment costs upward of $ 12,000 per month per person & health care insurance + medicare coverage only allow for the first 90 days of this long term care ?
After health care insurance + Medicare ( which is for those on disability as well as for seniors ) long term care benefits expire after the first 90 days, the resident is required to pay privately for their long term care and once their life savings are depleted ( which frequently happens rapidly at a cost of $ 10,000- $12,000 per month ) then Medicaid ( not Medicare ) kicks in costing Federal/State Government $ 10,000-$12,000 per month every month for every long term care resident.
Why is Obama failing to address this increasing need for long term care which, through Medicaid, is becoming the greatest, single, ever increasing expense for federal/state government after long term care has already bankrupted the long term care resident ?
ruth - You are wrong. First of all many people ( not all of whom are seniors ) in long term care facilities require more skilled medical/nursing care than can be provided at home.
Secondly, how many people do you know who, regardless of their age, have sufficient assets ( with no ongoing earned income ) enabling them to pay $ 12,000 monthly for years ?
At an annual cost of $ 144,000 in 3 years time that would amount to over $ 500,000
What happens after these monies are depleted ?
Who is supposed to pay for these long term care costs?
We are not talking about whether granny should get a hip replacement at 79 ; we are talking about how to pay for grannys $ 144,000 + annual Nursing Home bill for the next 10 years ?
gws35 -While I agree with a lot of what you say the fact is that millions that already need or will be needing long term care don't have long term care insurance or disability insurance and they still need long term care and.........that is exactly what Obama has failed to address.........
PATRICK - Thanks for the insightful & brilliant answer.
BTW - You can add the disabled ( alcoholic, mentally ill, etc. ) who also wind up in long term care facilities.
15 Answers
- Anonymous1 decade agoFavorite Answer
He's working on it.
I used to work in insurance sales, here's how it works:
Auto insurance. Gotta have it. The state requires it. Well, really only liability is required, but we'll sell you the full policy.
Homeowner's insurance. Gotta have it. The bank requires it to give you a mortgage.
Health insurance. Gotta have it. Nobody can afford to pay for their own helath care.
Disability insurance. Gotta have it. Did you know 47% of home foreclosures are caused by loss of income due to disability?
Life insurance. Gotta have it. What if you die unexpectedly in a car accident? Do you really have enough in savings right now for your family to live on if you die on the way home tonight?
Long term care insurance. Gotta have it.....well you already gave the pitch for that one.
President Homey is still stuck on mandatory health insurance. He spent 12 months pounding the pavement on that one, and he can't do it yet.
First he's got to get through that, then mandatory disability insurance and mandatory life insurance before he can get to mandatory long term care insurance.
You gotta follow the steps. If you don't sell one, they won't buy the next one.
- 1 decade ago
We must have real solutions to our ailing health care system. If left unchecked, Americans will be paying many times over what they are already paying; a level unsustainable to most working middle class people. Medicaid, also known as Medi Cal is a form of health care with a double edge sword. They offer health care, however in the fine print they claim the right to get back what they have paid in health care costs out of your estate, leaving the person without a legacy to their heirs should they become hospitalized or worse, in a long term facility.
- 1 decade ago
HIS PRIDE IS HURT :
The American people oppose Obama's agendas at every turn, and still he promises not to retreat from his positions.He is becoming increasingly adroit at blaming everyone else for his political failings. He has routinely been condescending and insulting to voters.His narcissism his arrogance, egotism and the appearance that he alone is worthy,He is bruised and angry.He, in effect, told an interviewer that ignoring the will of the people will potentially make him a "really good one-term president."
Obama is so driven and obsessed about passing Obama care because of how important Obama Care is to the advancement and implementation of the socialist/Marxist agenda:
"Medicine is the keystone of the arch of socialism.” - Vladimir Lenin
“Democracy and socialism have nothing in common but one word, equality.
But notice the difference: while democracy seeks equality in liberty,
socialism seeks equality in restraint and servitude.”
Alexis de Tocqueville, 1805-59
Reduced to its lowest common denominator, Marxism is government
managing society. Freedom is society managing government.
Source(s): My Reality - ?Lv 51 decade ago
We have this issue in the UK, my Mother is in a care home, my Father died 4 years ago and after life time or work he amassed a military pension of about £400 per month and a state pension of about £180 per month.
When dad died we looked after mum (myself and my wife) until she lost the use of her legs and one of her arms and needed full time care.
So she is in a home, the first thing the government did was take her house. Her care costs £800 per week (about $1200, I know it varies a good deal but it's close enough). Now that the equity in her home has gone (along with any inheritance I may have got), they take all of her pension, and the half pension that she has received since my dad died. They give her £20 per week pocket money and keep the rest.
In effect, the tax payer is shelling out about £630 per week to cover the cost of caring for her. Multiply this by the tens of thousands of older citizens and you get some sort of idea just how much of your/our tax dollar or pound is required to give them some sort of dignity in the final years of their life and of course in death.
We cannot shy away from our responsibility to the aged, without them and all their generation did for us, then would we enjoy the freedoms we have now. Indeed would we be in the world we now inhabit. But there must be a way to deal with what is an ever growing issue.
Today's politicians are responsible for the mistakes that they have made, but not for the masses of elderly folk who will need increasing care for generations to come.
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- AkselLv 41 decade ago
Despite "Change" being his favorite word, President Obama only means from how America was in 2008. He will never change any of his positions, regardless of what the American people think or any evidence that may conflict with his ideas. To him they're just too stupid to understand the complex theory that making people pay for something makes it cheaper.
"Don't think Obama is ignoring anything - it's the Republicans who are un willing to work with him that are causing the problem."
It's not being unwilling to work with him, it's called being unwilling to betray their constituents. Something Obama should look into.
- 1 decade ago
You'll have to ask the media and your representative to ask him.
It seems that by making health insurance more available and allowing tax credits to people to maintain more of their income, they would stem off the need for Medicare.
Ie: If i'm poor, but the fed gov't gives me a subsidy & tax break to purchase health care insurance, I'd be able to afford it instead of depending on Medicare.
I know this answer doesnt do it for you, but that is the general gist of it from what i got from my representatives reply to my question via mail.
- Anonymous1 decade ago
I think our greatest threat is these hippie vegan types with their "alternative medicine" mumbo jumbo.
Attacking them through the FDA just isn't enough anymore.
These people aren't buying any pharmaceutical drugs!!! Who teh f*** do they think they are?
We need to pass Healthcare Reform to FORCE them to pay into the healthcare system! Whether they like it or not!
That will offset some of the costs for the suckers (er, i mean Patients) who are already receiving "treatment."
- ?Lv 71 decade ago
Many seniors manage to pay for their own long term care by selling their home, if they haven't managed to put away enough money. I really do not see the crisis you refer to. Come on, people, the government is not your piggy bank.
If my parents need long term care and cannot afford it, well, they have 5 kids. Surely one of us will take care of them.
This is really more of a tax code issue, anyway, in my opinion. If the tax code were changed to include longer snap-back periods for gifting monies and property, perhaps estate planners would stop helping people plan a medicaid spend-down as part of their long term planning.
- Anonymous1 decade ago
Once Obama axes Medicare, i guess that eliminates the 90 days.
- Anonymous1 decade ago
Neither side wants to admit that heath care is always rationed and that in no way can we spend a million dollars extending someone's death for an extra six months.