Health Care Reform Full Time Employee Question & Answers
How is Obama’s spin machine debunking the fact an est. 23 million Americans will lose their current plan?
With the ramped up attacks by the dems to try to squash opposition to Dumbo’s plan, how are they “debunking” the findings of the Congressional Budget Office?
The Congressional Budget Office found that 23 million Americans would lose their current plans if the Senate Democratic health care “reform” bill becomes law.
Sarah Fields answers:
The same old tactics they’ve always used. When opposition uses the same tactics, it’s un-american or nazi. When they do it, it’s patriotic.
More reading …….
Here’s the full Health Care bill that sits in the House.
For some of us who have medical issues, we are SOL with this proposed health care bill. And, God forbid we should get old and need medical treatment.
Want to know what’s in the proposed health care bill? Read it and weep. This was sent to me by a friend. Someone who, unlike the president and the members of Congress, actually READ the bill put together this list of concerns. The comments and emphases are the author’s.
Pg 22 of the HC Bill MANDATES the Govt will audit books of ALL EMPLOYERS that self insure!!
Pg 30 Sec 123 of HC bill – THERE WILL BE A GOVT COMMITTEE that decides what treatments/benefits you get
Pg 29 lines 4-16 in the HC bill – YOUR HEALTHCARE IS RATIONED!!!
Pg 42 of HC Bill – The Health Choices Commissioner will choose your HC Benefits for you. You have no choice!
PG 50 Section 152 in HC bill – HC will be provided to ALL non US citizens, illegal or otherwise
Pg 58HC Bill – Govt will have real-time access 2 individs finances & a National ID Healthcard will be issued!
Pg 59 HC Bill lines 21-24 Govt will have direct access to you banks accountsts for electronic funds transfer
PG 65 Sec 164 is a payoff subsidized plan for retirees and their families in unions & community orgs (ACORN).
Pg 72 Lines 8-14 Govt is creating an HC Exchange to bring private HC plans under Govt control.
PG 84 Sec 203 HC bill – Govt mandates ALL benefit packages for private health care plans in the Exchange
PG 85 Line 7 HC Bill – Specs for of Benefit Levels for Plans = The Govt will ration your Healthcare!
PG 91 Lines 4-7 HC Bill – Govt mandates linguistic appropropriate services. Example – Translationfor illegal aliens
Pg 95 HC Bill Lines 8-18 The Govt will use groups i.e., ACORN & Americorps to sign up individuals for Govt HC plan
PG 85 Line 7 HC Bill – Specs of Benefit Levels for Plans. #AARP members – your Health care WILL be rationed
PG 102 Lines 12-18 HC Bill – Medicaid Eligible Individuals will be automatically enrolled in Medicaid. No choice
pg 124 lines 24-25 HC No company can sue GOVT on price fixing. No “judicial review” against Govt Monopoly
pg 127 Lines 1-16 HC Bill – Doctors/ #AMA – The Govt will tell YO U what you can make.
Pg 145 Line 15-17 An Employer MUST automatiocally enroll employees into pubic option plan. NO CHOICE
Pg 126 Lines 22-25 Employers MUST pay for health care for part time employees AND their families.
Pg 149 Lines 16-24 ANY Employer with payroll of 400k & above who does not provide public option. Pays 8% tax on all payroll
pg 150 Lines 9-13 Business payroll between 251k & 400k who doesn’t provide public option pays 2-6% tax on all payroll
Pg 167 Lines 18-23 ANY individual who doesn’t have acceptable health care according to Govt will be taxed 2.5% of income
Pg 170 Lines 1-3 HC Bill Any NON-RESIDENT Alien is exempt from individual taxes. (Americans will pay for their health care)
Pg 195 HC Bill -officers & employees of health care Administration (GOVT) will have access to ALL Americans financial/personal records
PG 203 Line 14-15 HC – “The tax imposed under this section shall not be treated as tax” Yes, it says that
Pg 239 Line 14-24 HC Bill Govt will reduce physician services for Medicaid. Seniors, low income, poor affected
Pg 241 Line 6-8 HC Bill – Doctors, doesn’t matter what specialty you have, you’ll all be paid the same
PG 253 Line 10-18 Govt sets value of Dr’s time, professional judgment, etc. Literally value of humans.
PG 265 Sec 1131 Govt mandates & controls productivity for private health care industries
PG 268 Sec 1141 Fed Govt regulates rental & purchase of power driven wheelchairs
PG 272 SEC. 1145. TREATMENT OF CERTAIN CANCER HOSPITALS – Cancer patients – welcome to rationing!
Page 280 Sec 1151 The Govt will penalize hospitals for what Govt deems preventable readmissions.
Pg 298 Lines 9-11 Drs, treat a patient during initial admission that results in a re-admission-Govt will penalize you.
Pg 317 L 13-20 PROHIBITION on ownership/investment. Govt tells Drs. What/how much they can own.
Pg 317-318 lines 21-25,1-3 PROHIBITION on expansion- Govt is mandating hospitals cannot expand
pg 321 2-13 Hospitals have opportunity to apply for exception BUT community input required. Can u say ACORN?!!
Pg335 L 16-25 Pg 336-339 – Govt mandates establishment of outcome based measures. Health care the way they want. Rationing
Pg 341 Lines 3-9 Govt has authority to disqualify Medicare Adv. Plans, HMOs, etc. Forcing people into Govt plan
Pg 354 Sec 1177 – Govt will RESTRICT enrollment of special needs people!
Pg 379 Sec 1191 Govt creates more bureaucracy – Telehealth Advisory Committee.
How do you think health care reform will impact the medical insurance you receive at your place of business?
I am wondering if my company will still offer insurance and if not, where I will get comparable and affordable coverage…
Sarah Fields answers:
Well, I just received notice that as of Jan. 1, 2010, my husband’s group plan will be increasing in premium due to the fact our group carrier must include children until the age of 26 (we included children up to age 25 before). It was also pointed out the increase includes the fact there is no longer a cap on the lifetime benefits which will require the insurer to incur higher costs.
I was also notified that the coverage I provide for my employees will increas dramatically, effct. Jan. 1st, due to the same reasons.
The policies above are group plans.
The individual policies I can offer my clients have also increased in premium like I have never seen before. I can’t even imagine what the premiums will be by 2014.
If this trend continues, I will no longer be able to offer my employees group benefits and I don’t have to because I have less than 10 employees. I have already seen my customers increasing their deductibles effective Jan. 1st. A few have cancelled their policies siting inability to pay.
I have no doubt many Americans will be seeking the only plans they will be able to afford, government plans. I also believe this was the full intention of the current administration.
**I have also worked directly in the health insurance arena and I know how hard they try TO pay claims. I’m not sure who the poster before me worked for, but it must have been an awful company. They are not all like that. The few that are give the rest a bad reputation.
What tax credits are available to Small Employers through Health Care Reform?
Sarah Fields answers:
2010 Small Employers – Health Care Reform and Tax Credits
WHAT EVERY SMALL BUSINESS SHOULD KNOW …
The new health reform law states that small businesses with 25 or less full-time employees may be eligible to receive the Small Business Health Care Tax Credit when providing health care coverage to their employees.
• Tax credit of up to 35% of premium
• Credit amount is lower as number of
employees and average wages increase
• Full credit to businesses with 10 or fewer full
time equivalent employees and average
annual wages of less than $25,000
Starting in 2014:
• States will be required to set up insurance pools
called SHOP Exchanges (Small Business
Health Option Programs) which will allow small
businesses to group together to buy health
• Receive 50% tax credit with a company of
10 or fewer employees who earn $25,000 or
less on average
• Employers with 50 or more full-time
employees may be subjected to penalties
under the law if they do not provide health
Assessable penalties range from $2,000-$3,000 per employee. The first 30 employees are not counted for purposes of calculating assessable penalties
TAX CREDIT ELIGIBILITY
• Employ 25 or less full-time (equivalent) employees*
• Average annual wages less than $50,000*
• Purchase health insurance for employees
. Employer must contribute at least 50% of premium
*Owners, partners, shareholders, and family members are excluded from employee count, wage calculation, and tax credit.
STEP 1. Determine total number of employees*
Full-time employees (A):_________
(enter the number of employees who work at least 40 hours per week)
Full time equivalent of part-time employees (B) :__¬¬¬¬¬¬¬¬¬¬______
(calculate number of full-time equivalents by dividing total annual hours of part-time employees by 2080)
A + B = ____________ total number employees
If “total number employees” is less than 25, go to Step 2.
STEP 2. Calculate average annual wages of employees
Take the total annual wages paid to employees: $_______________________
Divide it by “ total number employees” from step 1:___________
(total wages ÷ number of employees)
= $_________________average wages
If the result is less than $50,000 AND… (go to Step 3)
STEP 3. If you pay at least half of the insurance premiums for your employees at the single (employee-only) coverage rate, then you may be eligible to claim the Small Business Health Care Tax Credit.
For more Information contact Teri Frankel or
Galo Pacheco at TCB Insurance Services
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