{"id":10871,"date":"2013-11-13T17:54:27","date_gmt":"2013-11-13T17:54:27","guid":{"rendered":""},"modified":"2013-11-13T17:54:27","modified_gmt":"2013-11-13T17:54:27","slug":"obamacare_will_get_much_much_worse","status":"publish","type":"post","link":"https:\/\/www.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/","title":{"rendered":"Obamacare Will Get Much, Much Worse"},"content":{"rendered":"

\"Listen<\/a><\/p>\n

RUSH: Betsy McCaughey — who\u2019s one of the ranking analysts of socialist medicine, socialized medicine, be it Hillarycare or Obamacare — has a piece at Investors.com, the old Investor\u2019s Business Daily, and headline of the piece says, “Think Obamacare Is Bad Now? It Gets Worse Next Year.” Okay, now, what gets worse next year? <\/p>\n

Well, here\u2019s how she starts the piece: “‘Substandard\u2019 and ‘cut-rate\u2019 is what President Obama calls the health plans that millions of Americans have lost, even though they wanted to keep them. Backpedaling on his promise that ‘if you like your plan, you can keep your plan,\u2019 Obama is now telling Americans another whopper: The insurance they can get on Obamacare exchanges is a better deal. Don\u2019t believe him. On the exchanges, you may no longer be able to use the doctors and hospitals you prefer.<\/p>\n

“Many exchange plans exclude the top-drawer academic hospitals like Cedars Sinai in Los Angeles, the Mayo Clinic in Minnesota and New York Presbyterian in New York City. Instead, the law says exchange plans must cover care at ‘essential community providers … that serve predominantly low-income, medically underserved individuals.'” That\u2019s from the law itself. “That means clinics, public hospitals and hospitals largely serving the Medicaid community” is where the majority of exchange plans will work. <\/line><\/a><\/line><\/p>\n

You do not get the top-drawer hospitals and clinics. Those are reserved for people who will pay out of their pocket and will not have insurance. “Yet the president claims that people losing their health plans and having to sign up on the exchanges will be getting a better deal,” and he is. That\u2019s what Jay Carney was trying to say yesterday, as they continue to lie about this law. It\u2019s just astounding. They are compounding their one lie with another. <\/p>\n

I mean, they\u2019re just continuing to tell lies here, and they sent Carney out to say yesterday, “Well, of course the president doesn\u2019t like what\u2019s going on here! He doesn\u2019t like these substandard plans that people had, and what is gonna happen here is that people, when they lose their plan and sign up they\u2019re gonna get a better deal. Who\u2019s opposed to that? So here\u2019s what they\u2019re defining as “getting a better deal.” It\u2019s losing your doctor, losing your existing plan that you liked, now having to shop blind on a website that doesn\u2019t work for a health plan.<\/p>\n

Settling for Medicaid-level care and government controls at underserved hospitals and clinics, all for a premium that\u2019s on average 41% higher than what you were paying. That, somehow, is a better deal. Here is the piece de resistance”Wait until the other shoe drops in 2014…” Do you know what that other shoe to drop is? All we\u2019re talking about now is people who are losing individual insurance, meaning you have gone to an insurance company and bought an individual policy, and you may be lumped in with another group.<\/p>\n

But right now, that\u2019s the only thing affected is individual policies. Nevertheless, even though that limited number of people is affected, that limited number of people is causing all of this havoc. The other shoe to drop in 2014 is when this I same thing starts happening to people who get their health care at work. We\u2019re not talking about employer-provided coverage here yet. That shoe doesn\u2019t drop until next year. Right now, it\u2019s just the individual insurance market that\u2019s being affected by the exchanges.<\/p>\n

It\u2019s just the individuals who are unable to keep the plan they like. Wait until everybody who\u2019s insured by their boss begins to lose their plan! That happens in January of next year. Then all hell is gonna break loose because then we\u2019re talking about the vast majority of the people in this country. Admittedly, folks, the individual insurance market is not the major part of it. I mean, how many of you…? Let me just ask you the question. How many of you have a health insurance policy, or had, that you went out and bought yourself? <\/line><\/p>\n

Show of hands. Let me see. Probably two out of 10 people. The vast majority of people get their health insurance at work, and none of this impacted them. They haven\u2019t lost their plans yet. They haven\u2019t had their plans taken away from \u2019em. Their premiums and all that stuff hasn\u2019t gone up yet. That doesn\u2019t happen in the employer-provided market until January. Now, wait until 80% of people with health insurance start being impacted by Obamacare, and it\u2019s gonna make what\u2019s happening now look like Romper Room. <\/p>\n

See, if you get your insurance at work as an employee benefit, none of what\u2019s being discussed here really has impacted you yet. About the only way it has is maybe you\u2019ve been converted to part time. You may have lost your health insurance at work because your company can\u2019t stay in business with the new rules. But for those of you who still get health insurance at work — and there\u2019s one exception, talked about it yesterday. If your company is self-insured none of this is gonna matter to you until they get around to fixing it so that you do get hurt by it. <\/p>\n

Right now the self-insured market is not impacted by any of this. There aren\u2019t any rules or restrictions in the self-insured market. And again, the self-insured market is when your boss, your company, just pays for your health care directly, without an insurance policy. They set aside the same amount of money to insure everybody that works there. An employee goes to the doctor, has to get an operation, the company pays the hospital directly, the doctor directly, not an insurance company. That\u2019s called self-insure. And Obamacare doesn\u2019t touch them. Republicans got a carve-out for that. Now the Democrats are trying to fix that. <\/p>\n

So the only way that you who have your insurance through your boss will not be impacted in January is if your company self-insures, and I don\u2019t know how many it is. But the point that Betsy McCaughey\u2019s making is that right now we\u2019re just talking about the individual insurance market, and let\u2019s face it, the percentage of Americans who go out and buy their own health insurance like they buy hotel rooms is tiny. Most people are insured at work. Wait \u2019til they start losing their policies. Wait \u2019til they lose their plans that they like. We\u2019re talking tons and tons of people. That\u2019s the other shoe to drop in 2014. Nobody\u2019s brought it up yet. I just want you to have a heads-up. <\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: This is Brian in Philadelphia. I knew this was gonna happen. Brian, great to have you on the program. Hello, sir.<\/p>\n

CALLER: Thanks for having me, Rush. I was calling about you mentioned employers were about to get it. I just got my letter in the mail from Aetna saying that they cannot renew my employer existing plan in 2014.<\/p>\n

RUSH: Yep. Yep. See, this is the other shoe to drop in 2014. When did you get it, like this week?<\/p>\n

CALLER: Yeah, I just got it. It\u2019s addressed November 1st, and the renewal date is for February 1st, so in the next couple months I\u2019ll have a whole new policy and next year —<\/p>\n

RUSH: So you\u2019re gonna lose the plan that you have. Do you like the plan that you\u2019ve got?<\/p>\n

CALLER: Oh, yeah, it\u2019s an excellent plan.<\/p>\n

RUSH: Right.<\/line><\/p>\n

CALLER: It\u2019s incredible. Really helped me out. I actually had to go into the hospital —<\/p>\n

RUSH: No, no, your plan is substandard. No, no, no. You don\u2019t know. The president says your plan is substandard and worthless, because you\u2019re not buying contraception for Susie and Nate <\/a>so they can get between the covers.<\/p>\n

CALLER: Yeah, well, I don\u2019t need that stuff at all, I know —<\/p>\n

RUSH: Too bad. You\u2019re gonna be paying for it. That\u2019s why you can\u2019t keep your plan, because your plan doesn\u2019t cover that stuff.<\/p>\n

CALLER: Absolutely. By the way, I\u2019m looking forward to buying your book here. I was listening to you talk about it so it\u2019s gonna be in my kids\u2019 Christmas stockings this year.<\/p>\n

RUSH: Oh, cool. Cool. Here, I tell you what, let me make you a deal. Stay on hold. How old are your kids?<\/p>\n

CALLER: My son is 14 and my daughter\u2019s 12.<\/p>\n

RUSH: Okay. I want to send you the audio version, so if you\u2019re gonna go out and buy the book —<\/p>\n

CALLER: Really?<\/p>\n

RUSH: Yeah. If you\u2019ll hang on, I\u2019ll get your address —<\/p>\n

CALLER: That\u2019s cool.<\/p>\n

RUSH: — and Snerdley will send that out. Well, somebody will. Snerdley doesn\u2019t send things. It\u2019s beneath him now, but somebody will, and that will accompany the book that you\u2019re gonna buy. I can\u2019t thank you enough. But that\u2019s cool. Here you go, folks. See, I mentioned this in the previous hour. The people that are losing their plans now are individual policies, people that are not getting their health insurance as an employee benefit. They\u2019re actually buying it themselves. They\u2019re the ones losing their plans right now, but starting next year, employer provided plans go through the same thing. That\u2019s where people start losing theirs because the company is going to have to change the plan in order to stay in compliance with Obamacare. <\/p>\n

One of the things that the plan is gonna have to do is provide birth control pills. Obamacare guarantees contraception. So the insurance companies have to sell it, the buyer has to buy it, in our so-called Obama free market, so that Millennials can have inconsequential sex and vote for Obama and thank him for it. And that constitutes change, and when your policy changes then you lose the grandfather status and your plan\u2019s gone. Bye-bye. This, by the way, is why the employer mandate was delayed, so that this would not happen at the same time as the individuals were losing theirs, you see. <\/line>Yes, ladies and gentlemen. It is an intricately woven web of deceit, and everybody that\u2019s asking out of this knew what was going to happen. <\/line><\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Mike in Washington, Indiana. Hi. Glad you called, sir. It\u2019s great to have you here.<\/p>\n

CALLER: Thank you, Rush. Long-time listener, first-time caller. I own an insurance agency in Indiana, and I thought I had some input that might assist. One of the problems with Obamacare that no one has looked at yet, is this is an HMO product. It\u2019s a health maintenance organization where they\u2019re going to assign me a doctor in a hospital — maybe in my community, perhaps not. The issue with that is that as I\u2019m approaching 60 years of age, my concern is this: You know, as I\u2019m paying into Social Security and into Medicare, I understand the government\u2019s insurable interest in keeping me alive. But at that point where I\u2019m no longer able to function, they lose an insurable interest and I\u2019m concerned about my health care being rationed.<\/p>\n

RUSH: Oh, well, you are entirely correct in assuming and worried and concerned that your health care is gonna be rationed and it is, and the rationing is gonna start very soon.<\/p>\n

CALLER: The other thought I have to help your listeners is what I\u2019m going to do. I\u2019ve lost my health insurance effective January 1. My doctor\u2019s retiring January 1, so the only solution that I can come to after 35 years in the insurance business is that I want to purchase a short-term health policy that will grant me coverage for six months time. Now, it will not cover preexisting conditions, but it will insure me for conditions I don\u2019t currently have or an auto accident. For the young listeners —<\/p>\n

RUSH: You have to renew it every six months, is that what you would do?<\/p>\n

CALLER: Well, you can pay it monthly or every six months. You can renew it one time. Your listeners can simply go to various insurance carriers and shop for their own plans.<\/p>\n

RUSH: So basically, you\u2019re going to self-insure?<\/p>\n

CALLER: Exactly. I\u2019m going to self-insure. My premium is gonna drop from $21,000 a year to approximately $5,000 and I\u2019ll use my premium savings to pay those other out-of-pocket expenses.<\/p>\n

RUSH: Now, wait. Why is your premium gonna drop from 21 grand to five?<\/p>\n

CALLER: Well, I\u2019m currently under the Indiana Comprehensive Health Plan. That is the pool in Indiana that is being discontinued, effective 1\/1, due to Obamacare.<\/p>\n

RUSH: Okay. But you gotta go by something that\u2019s replacing that, and you say you\u2019re gonna buy a short-term, six-month policy.<\/p>\n

CALLER: It is, and the short-term policy for my wife and I is approximately $400 a month. It won\u2019t cover preex[isting conditions], but I can\u2019t go to the Obama site because it\u2019s not secure and I can\u2019t risk having my identity stolen even if it is an HMO product. Your young listeners don\u2019t need to go to the Obamacare website. They just simply need to go buy short-term insurance.<\/p>\n

RUSH: Well, I tried to talk about this yesterday, but it\u2019s such a foreign concept. Of course people can buy their own insurance. You can buy a replacement policy. It depends on what price you can find for it. But most people are not conditioned that way. It\u2019s sad. (interruption) Yeah, yeah, I know you have to shop and then you have to write the check, and that\u2019s what people don\u2019t like. When it\u2019s health care, you have to pay for the policy. <\/p>\n

Now, most people are used to paying co-pays, and dealing with deductibles. But they think somebody else is paying the freight on the policy. (interruption) Yes, I do understand. (interruption) Oh, Snerdley is saying I don\u2019t understand because he says that the average American, particularly the low-information American won\u2019t know where to go to shop for the plans. Where is the insurance company? Where do you go to do this? (interruption) Okay, fine. Maybe that\u2019s true. <\/p>\n

Even if they know that, my point is, it\u2019s not something they think they should have to do. Everybody\u2019s been conditioned that health care is given to you, provided for you. You pay a little. You pay your copay and you\u2019ve got a deductible. But you do not write a check for your policy. The boss does. The people who have individual policies do this, but they are the minority. So his solution is self-insure. Can you imagine if we had hotel insurance and people never had to pay for their hotel rooms? They had to pay for the incidentals, but their insurance paid for the hotel room?<\/p>\n

But if they raided the mini-bar they\u2019d have to pay for that, maybe a deductible. And imagine for 30 years people never had to buy a hotel room and all of a sudden that gets canceled and they now gotta buy the room, can you imagine the culture shock? Well, that\u2019s where we are with this. But this has been since World War II that people have not been buying health care. It\u2019s been given to them,<\/p>\n

In this guy\u2019s case, even if it goes from 21 grand to five, that\u2019s still five they\u2019re not used to, in their minds, paying. They are paying it, they just don\u2019t think so. It\u2019s the same thing. If they canceled deduction and withholding on federal taxes and every three months people had to right the check, you\u2019d have to revolt because then people would find out what it actually costs, what money they\u2019re losing that they never see because of deduction. And the Democrats, I think, have been very crafty creating this whole notion that health care is a benefit. What\u2019s a benefit? Even to hear Obama talking about, urging people (imitating Obama), “Wherever you go to get a new job, make sure you get your benefits defined.” <\/p>\n

Benefit, what the hell is a benefit? It\u2019s a freebie, people think. <\/p>\n

Now, this guy\u2019s in the insurance business so he knows where to go. He\u2019s still paying $5,000, I didn\u2019t ask him, for six months or a year, but you always will pay less if you don\u2019t use an insurance company. Go to the hospital. Try this sometime. No, don\u2019t try it, \u2019cause I don\u2019t want you to get sick. But offer to pay the bill with your credit card instead of your insurance and look at the price difference. You\u2019d be amazed how much less it costs. It might still be expensive. I\u2019m not saying it\u2019s not expensive. But you\u2019ll be amazed how much less it costs, if you pay for it yourself. Because the hospitals don\u2019t have to worry about the paperwork and the minutia and the bureaucracy and all that crap that takes up everybody\u2019s day. <\/p>\n

You pay for it, it\u2019s over with. You leave the hospital, and you come back when you gonna get the mistake that the doctor made fixed. Just kidding. Couldn\u2019t help myself. I\u2019m worn out, folks. No excuse. Just kidding about the mistake the doctors make. But you walk out, after you pay for it, it\u2019s over with. You\u2019re not gonna have somebody come repossess your house. You\u2019re not gonna have an insurance company breathing down your back and raise your premium or anything. You just pay for it and leave. And they\u2019re through with it, too. ‘Til you get sick the next time. And when you\u2019re paying for it yourself, it\u2019s amazing how much healthier you remain, guaranteed. <\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: Betsy McCaughey — who\u2019s one of the ranking analysts of socialist medicine, socialized medicine, be it Hillarycare or Obamacare — has a piece at Investors.com, the old Investor\u2019s Business Daily, and headline of the piece says, “Think Obamacare Is Bad Now? It Gets Worse Next Year.” Okay, now, what gets worse next year? Well, […]<\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","ngg_post_thumbnail":0},"categories":[],"tags":[],"yoast_head":"\nObamacare Will Get Much, Much Worse - The Rush Limbaugh Show<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:title\" content=\"Obamacare Will Get Much, Much Worse - The Rush Limbaugh Show\" \/>\n<meta name=\"twitter:description\" content=\"RUSH: Betsy McCaughey — who\u2019s one of the ranking analysts of socialist medicine, socialized medicine, be it Hillarycare or Obamacare — has a piece at Investors.com, the old Investor\u2019s Business Daily, and headline of the piece says, “Think Obamacare Is Bad Now? 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Well, […]\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/live-rush-limbaugh.pantheonsite.io\/wp-content\/uploads\/listentoit.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"GeorgePrayias\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/#website\",\"url\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/\",\"name\":\"The Rush Limbaugh Show\",\"description\":\"Excellence In Broadcasting\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/wp-content\/uploads\/listentoit.jpg\",\"contentUrl\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/wp-content\/uploads\/listentoit.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/#webpage\",\"url\":\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/\",\"name\":\"Obamacare Will Get Much, Much Worse - The Rush Limbaugh Show\",\"isPartOf\":{\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/#primaryimage\"},\"datePublished\":\"2013-11-13T17:54:27+00:00\",\"dateModified\":\"2013-11-13T17:54:27+00:00\",\"author\":{\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/#\/schema\/person\/9a33276eb9dc5b6d3f8218957f30e6b4\"},\"breadcrumb\":{\"@id\":\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Obamacare Will Get Much, Much Worse\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/#\/schema\/person\/9a33276eb9dc5b6d3f8218957f30e6b4\",\"name\":\"GeorgePrayias\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d290ab65e2eaca3719268528f83b85bf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d290ab65e2eaca3719268528f83b85bf?s=96&d=mm&r=g\",\"caption\":\"GeorgePrayias\"},\"url\":\"https:\/\/www.rushlimbaugh.com\/daily\/author\/GeorgePrayias\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Obamacare Will Get Much, Much Worse - The Rush Limbaugh Show","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/13\/obamacare_will_get_much_much_worse\/","twitter_card":"summary","twitter_title":"Obamacare Will Get Much, Much Worse - The Rush Limbaugh Show","twitter_description":"RUSH: Betsy McCaughey — who\u2019s one of the ranking analysts of socialist medicine, socialized medicine, be it Hillarycare or Obamacare — has a piece at Investors.com, the old Investor\u2019s Business Daily, and headline of the piece says, “Think Obamacare Is Bad Now? 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