Term
| What is Cost Shifting (Costs) |
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Definition
| It makes it so Medicare shifts its costs onto doctors and then they shift it onto private insurance |
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Term
| Why do conservatives blame third party payments for healthcare costs? (Costs) |
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Definition
| They blame it on the third part payments because it ends up forcing people to buy and spend more than they need. People are forced to settle and do not shop around. They do not differentiate between wants and needs. |
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Term
| Why do conservatives blame risk on healthcare costs? (costs) |
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Definition
| If people do not have to worry about costs, then they are more likely to engage in risky behavior. If they have the coverage, then they will attempt to buy more then the need. This will lead to overconsumption. People will be riskier with prescriptions and hospitals. All will be put on the doctors. |
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Term
| Why do liberals think the healthcarecosts are rising? |
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Definition
| They do not like the fee for service because they think doctor's are greedy. Howard Dean believes that the doctor's will end up charging us more. They want the federal government to control everything |
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Term
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Definition
| Both Liberals and Conservatives can agree on technology and that we should help American Citizens as an affluent country. However, Liberals believe that we should spend more on preventing disease and on more advanced cases. Conservatives believe that as an affluent country, we should supply everyone with the greatest care possible. |
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Term
| What are conservative views on insurance? |
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Definition
| They do not see it as a big problem. They think it is exaggerated because different groups in the US affect it. They include: illegal immigrants, people who chose not to pay for medicade, and those who have an annual cut don't pay. |
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Term
| What are liberal's views on Health Insurance |
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Definition
| They see it as a horrible crisis. It is bad for those who do and do not have it. We are an affluent country, yet we cannot afford to supply our country with health insurance. Because of this, patient dumping occurs where people never get to see doctors. Hospitals are too expensive. Jpb locking makes it so people are locked in their job to afford health insurance. |
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Term
| Explain the Democratic Vision (Obama-care) |
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Definition
| They want to insure all Americans. They want to provide subsidies and expand Medicare for the poor. They want to have an employer mandate that supply insurance for their employees. . |
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Term
| Explain how the Democratic Vision will Pay for this (Obama Care) |
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Definition
| They will surtax the upper class who earn above a certain wage level. They are going to reduce medicare expenditures. They want to improve quality and efficiency of care. |
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Term
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Definition
| If you like it, then you can keep it. If you want to change to a NHC system. Community ratings make it so that everyone pays the same price regardless of health. |
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Term
| How will we pay for Obama care? |
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Definition
| Companies will have to pay a fee if they do not supply people with coverage. This will cause premiums to rise. Therefore, companies will dump their employees into the healthcare system because it is much cheaper. Inureres must supply everyone with insurance. Community ratings make it so that everyone will be charged the same. |
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Term
| How Public Option costs affect jobs? (Obama Care) |
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Definition
| There will be an employer mandate where people can chose the NHC plan. If they chose to pay a fee, however the company will end up dumping them. |
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Term
| What are the advantages of Obama care? |
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Definition
| More people will be able to get health insurance. This will not be taken away from American citizens. It is goodbecuase it insuraces the number of insured. This guaranteed coverage gives Americans a sense of security. You will never have to worry about job lock. The senate bill will end up bending the uninsured Americans. |
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Term
| What are the disadvantages of Obama-care? |
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Definition
| Legislation will not pay for itself. Doc Fix make it so it reduces compensation for doctors. Costs are up front and benifits will be back loaded. This means that we will pay taxes and benifits later. Therefore, people will not have to pay for the public option |
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Term
| What is Obama-care turning into? |
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Definition
| This is turning into a wellfare system? Employers are going to drop employees and people will be forced to settle. The public option will destroy private insurers. They will have no choice to pick what they want. |
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Term
| How will be pay for the public option (Obama-care) |
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Definition
| There will be an employee mandate, where people can either go with the nationalized healthcare plan. If they chose to pay a fee, The company dumps them into the public option. Senate emphasizes the Cadillac tax plan. It will take health insurance plans that costs more than a certain amount. |
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Term
| Why does the public option not help lower prices? |
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Definition
| Currently everything is accomodated and doctor's will get paid less. People will have more incentive to shop around. Electronic records are more efficient. It is expensive up front, but it will make sense over time. Savings does not save a lot of money. Accountable care organizations will make sure that all records are together. |
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Term
| How is the Public Option cheaper? |
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Definition
| It will end up lowering the costs of healthcare and have less consumption. It will bend the curve to where it will end up regulatting costs. There will be a cut of waste of fraud and abuse. Bundling will also occur. This way, if you pay for two plans together, it will be a lot cheaper. |
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Term
| What does McCain want to do with a tax code? |
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Definition
| He wants to change the tax code to make it so everyone has an indivudal plan. Employees will have more incentive to shop around. People will receive tax credit from it. |
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Term
| What does McCain want with the HSA? |
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Definition
| McCain wants people to get a Health service account. If you have a high deductable plan, you can end up paying over your deductable. People will buy these inexpensive plans and only insure those who have money. There is a cost control where people will shop around. Sick will be denied. |
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Term
| How will McCain Elimination of Bureacracy |
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Definition
| Many want to cut out wasteful spend. People will end up undercaring for themselves. Some of American will end up being cheapse for those to not buy. They benifit the expensive of the sick. |
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Term
| What does McCain believe about American bankruptcy? |
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Definition
| We're not going to go bankrupt. HSA will allow us to pay for doctors. People will recover and not have to pay that much. Taxes will also pay for deductables. |
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Term
| What does McCain view Deregulation? |
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Definition
| Deregulation will occur in the market for health insurance. Insurancw ill once again be sold across state lines. This will require insurance companies to cover costs of healthcare. It will let Americans buy healthcare to fit their needs. Community ratings will not exist. |
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Term
| Why do we Love Social Security? |
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Definition
| The middle class loves it. We get back what we pay. The poor benifit pay because they get what they put in. They problem is that baby boomers are retiring. The government does not have the money, so they cut other programs. |
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Term
| Why are fully funded Social Security programs a mess? |
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Definition
| As money piled up, we had to figure how to redistribute it. We changed how old people who retire. Social Security sustained itself my including more uncovered groups. They raised taxes with a pay as you go plan. |
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Term
| What did government officials do about the mess? |
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Definition
| They raised benifits and put it in costs of living adjustsments. The consumer price index overestimates the threat of inflation. They are getting more than they need. It forshadowed the end. Inflation was high and income went down. |
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Term
| What did government do about Social Security benefits? |
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Definition
| They took away government pensions. Reagan reduced benifits for early rerirees and double dippers. Tey Green span commission tried to fix it. We made a decision to rise age. They acellearted payroll taxes. They would be taxed. |
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Term
| What is Obama's non- ideological views on Social Security? |
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Definition
| He see it that it will increase imigration. Increasing birthrate will allow us to replace ourselves. Raising the retirement age will help, but offend unions who work their whole life. |
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Term
| How will Obama's plan deal with taxes? |
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Definition
| They will lift them and the cap of individuals. You'll only be taxed to a certain point. This increase will extend income, but not fix social security. Its tax on the rich will hurt obama's followers. |
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Term
| What are Bushes Private Healthcare plans? |
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Definition
| These retirement accounts will have your FICA accountrs. People would be able to invest their money. There are problems. People would receive lower Social Security. It would do nothing to fix. No money will be going into the system. |
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Term
| What are his Progressive Price Index plans? |
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Definition
| Inflation of wages estimates living necessities. They would index beneifits and set prices instead of wages. |
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Term
| In the end, What did Bush do to help Social Security? |
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Definition
| People's benifits could change over time. People will be able to make up some of the accounts. They younger you are the better you are off. However, liberals saw Bush destroy Social Security. They wealthy would want out because it turned into a welfare program. |
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