WWL>Topics>>3-31-14 11:10am Garland: on Obamacare

3-31-14 11:10am Garland: on Obamacare

Mar 31, 2014|

Garland talks Obamacare with Mike Tanner of the Cato Institute and Tony Carrk of the Center for American Progress.

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Automatically Generated Transcript (may not be 100% accurate)

Well -- read the reports rectal and tonight is the B witching hour midnight. Deadline for signing up for a bomb -- kinda sort deserve their own grace period for. Certain people -- thing called we -- to influence them. It's ought to be experts and find deported that is correct and hopefully roll out more. Welcome back by tethers senior fellow with a -- -- -- -- can always count and you'd give lose some -- bird does it. Well -- did yeah. Yeah the polygamy would. -- dog in the view of midnight deadline tonight with the the -- April 7 -- -- qualifies for that. Well at that -- waited and -- going to do it is that he would view today. That you tried to sign -- the exports and -- and that you couldn't. Then you will be given the additional one week to do -- so there's going to be a little pocket that you could check that and I'd tried decide not been couldn't. And -- make it to go take your word sport there's no no proof required write it like as long -- -- dedicate that to be given the extra week. Did I hear that they'll go back and check -- although they're taking her word for it to make sure your word was fruitful. Well it's critical to whether or not they're going to or not that they expected given the problems would be -- web site. -- it's going to be very difficult to prove what the other big deal about not checked into -- Healthcare side window today business. It didn't -- Which is not exactly what you wanna do what new deadline day. Now. We oh look through some of the notes on to -- Reading about this image from wide. And it is so some of the areas swerved though Ballmer carriers proving to be very popular. -- after talking about apparently troubled taking care of the -- patients. Don't have enough money don't have enough budget do you do you see any of that. Well we ought to -- that actually generate. Yeah people going to the doctor getting people wore short that remains to be seen. But it is designed to increase the number of people with -- assurance -- their for the number of people waited. Although the doctor but it probably increase and Robert doctors so you're basically increasing demand without increasing supplies. They would mitigate our bread. Several. Examples of people said hey it is a god soon because I couldn't get Medicaid coverage both for this now like and how does that relate to Obama care. Well as part of the law and the state had the option all -- expanding. Their Medicaid programs. And data about app that state has chosen to do so the states including Louisiana cop. So so in those states that it's now easier to get on Medicaid. We should be looked terrible the numbers that are coming on the administration that is saying that about seven million people signed up for Medicaid as well the people's side of the private insurance. Most of the stuff that have looked into this in more depth to get that number's probably inflated -- -- about two million. Most of the others were simply the normal Parnell that occurred in Medicaid every year. Why did disparity in. Numbers that are born Republican on the Sunday talk shows saying that it's some broken marriage it's political. Well to some degree we just don't know. For example. We don't know how many people out the seven million -- estimate that lineup by the end of today we don't know how many of those have actually or we will pay. Further insurance in many ways it's horrible like coming everybody on Amazon who put something in there. Shopping cart but doesn't care whether or not actually checked out paid for. And advocated estimated that generally only about 80% of the people sign up actually follow through and paid for. And about 5%. Pay once and it stopped paying a premium -- that so that probably -- the numbers. In addition we don't people we signed up. Through an exchange we don't know whether those people weren't sure on injured before -- some cases those of people simply switch storage or from one point to another. That -- getting new people insured. That gives them people -- upon exchange. -- and number those people you just mentioned. -- quoted as saying I had insurance so like I have the doctor like the hospital alike. A signed up for this it was more expensive. And get fewer doctors in the hospital. Available. Do you see that happening all under the just. Incidence. Point -- five million people lost their current insurance that is that at a plant in light and it didn't need obamacare standards and therefore they had to change their insurance. All four million of them got insurance whether it was -- the exchanges and is simply add new insurance as well. According to Rand Corp. has just hundred billion people who lost their insurance are still -- insured as of today. Who have not been able to get any policy at all. So he's on the -- as the track goes from whatever a million number -- well. Soon to tell me about Paul would you five million that had insurance had to switzer insurers to Obama. At that point four million plug. Fortunately out of body of work it did switch sued and about a million -- had not. -- -- Do those number or those the numbers that the White House's quoting. Well -- know what they're included in the those four million switched. Many of those are included in the 87 million that are coming out we just don't know how many of them about Mars -- may have gotten it to other other means rather than exchanges. 11 gentleman wrote about. Could never reported. Now he he says he's able to make the first premium. But you don't know what his job if he's going to be able continue to afford to bring them. May drop back off again is that a danger for people that abroad on the edge of even reporting. The the cheapest system. While about it is low income they will get subsidies that your editor under about 200% of the poverty level subsidies that pretty substantial amount paper most of your premiums. -- deal with that. Especially given that submit that some of the policies. You could be in trouble we do annoyed that they about 5% of people paid their first premiums they have not paid the subsequent premiums so that those occur. All right -- -- gophers for a -- coming right back. They go about the Dublin tonight midnight to all of obamacare. To mig pure purchase of health care. We've got an X -- -- this from the Cato Institute. If you've got comments and questions of fiscal 2601. Lead seven. Told -- in the country you're at six exceeded dollar and zero pizza. -- begin words finger about Obama cure this where to get about a midnight deadline for you purchasing that health care. We have -- general -- this senior fellow with the -- we institute. Like every day we have little logo on the official unscientific poll today. In -- -- listeners. Approach to judge barred double BO. Today is deadline for signing up for affordable care have you signed up and over 80%. Say they're already covered by insurance. Is is that the way it is overall in the country would it would cut 302 and 320 million people or. A huge piece of that already insured. -- ball 85% of Americans. Had insurance prior to the passage. All all the health care law and the -- majority of them weren't quite satisfied with the planned space that. You know most people get insurance to their jobs and about two thirds of Americans nurtured through work. And had about 50% buy insurance on their own and record there's Medicaid for low income people. Or what triggered this adjust. Very quickly increasing numbers of people -- no insurance or. -- escalating cost of insurance are worried. Government over the long run board what triggered that. Why I think it is that we had a substantial number of people without insurance about forty million Americans who are uninsured. That number it was scheduled to rise to about sixty million in the next ten years so I think that worried people. And then in general I think people felt insecure if you lose your job you could lose your insurance. People worry about that people weren't what happened to pick had a preexisting condition. And made it hard for them to get insurance in the future. So yeah around for all the people were basically -- -- and he personally war aside any given time do toward what the future might bring. Kentucky of looking to do and is an example last night. They've had about 350000. People signed up for more than they've had signed -- private coverage and they're there now. Predicting they're gonna be a whole lot higher cost. For the state because of this to you by that and -- Well it depends guy and how many people sign up for the Medicaid program and whether or not there. Considered one is to read through. The right. And -- mandated based. May well -- people who aren't. Going to be covered not at the new rate that the law promises Purdue's timeout but for people who were previously eligible -- -- to be it people insurance rates. And that that caught a lot for the states. The news a community -- I'm seeing those were being come reading about those. So good television of their lower income areas or this is gonna grow. All absolutely Enders some funding in the in the law for the it actually one more product against the law that it essentially. It's going to be a lot of people insurance that actually provides access to doctors. But these communities says there's a lot of them. Having trouble in particular attracting primary doctors. Let's try accord could how many people want to provide services for street and would Medicaid. Aids patients of course Medicaid under reimburses. -- only about 72 cents on the dollar actual caught so. That that is an ongoing problem trying to get doctors to provide services to low income patients. -- under the -- going to be a good the only helped sooners -- on the -- about saying. That -- all these few patients taken Reeves is dead and raised salaries and even hire new staff but. The caution it's. Heidi get the primary doctors -- -- available for you start bringing in the money. Well it exactly right look about doctors. It simply -- of people uninsured doesn't mean much of anything netstat an on going problem and Medicaid for years. It is that we felt that it low income people that would a couple of them but getting into the actual doctors abuse problem about what is the law that may go to the emergency rule. For rookie treatment because they can't -- the primary care physician. Our general -- ringer and more liberal listeners of law in Metairie Euro would Mike tea. I'll think he's taken the call. Exactly two points that -- -- right. And that the actual service the doctor. We always talk about health insurance not signing up. The people that are not lined up to health insurance. Do you know these statistics on and how much. Actually is being paid upfront. And true personal. Personal payments. Of people that are not insured that I actually paying their adopted -- We're only top where only a -- The only build and doctors and medical bills and having him pay. Are through insurance companies they're people that are and and this goes way back to that that's something new. That people are losing their actual services but paying high premiums and I'm not getting anything for their payment. How much actually our doctors taking him. I'm not sure insurance companies and -- through premiums but actual truth upfront payment to the doctors themselves do you have any statistics on Matt. Short while. It's about thirteen cents out of every dollar health -- and -- and he it paid it one way or another by the individual. With the actual patient so in terms of co payments coinsurance. Think of that nature about thirteen -- out of every dollar that's Tate. On average. Of course most people don't see a doctor very often don't have very high health care expenses. But if you look at the average insurance policy. They have about that 3500 dollars and so that the that the individuals required to pay at some point in the process that. What my question I'm asking people that don't have insurance and I'm not paying through health care through life insurance carriers or brokers or. That are paying on their -- that going to -- And hum Padilla statistic on on that you have statistics on how many people actually. That are the other -- -- wouldn't. Yeah delegate and -- -- and I think that I'm blogging about it. A lot of the out of pocket and talk about people that are uninsured and nine I think about the a statistic on. The people personal actually in them. The what what's called uncompensated care it widget which is essentially -- people go to the doctor may have no insurance. And they're not covered by Medicaid -- and so on runs to about two and a half percent of total doctors -- -- about forty billion dollars a year. Okay. I've talked to a number of doctors have to those. The annual electronic records system which was one of things one of first about her about it -- -- about time. You can go to the same doctor's office. Went through four doctors. In that organization in and fill jobs that same forms every time we go to ruin of the doctor. So of electronic records going to be great. But the doctors I've talked to said they're taken these things home and spending hours and hours. In -- and correcting and making sure everything is right and all that works or uncompensated. Or you hearing that complete. I'm hearing back complaint in the other big complaint with electronic medical records is trying to comply with the nipple which is the pop -- privacy policy. Doctors. Extreme rescue. In terms. Lawsuit today and large fine if you don't protect medical records from -- -- or being inadvertently released and so on. And the technology for that is very expensive and very difficult. What have been two a state like Louisiana. That is not participating. In Medicaid program expansion. Well things. I think -- -- good thing because the even held federal government picks up the largest portion of the cost of the expansion. It would still be. Hundreds of millions of dollars over the next ten years that Louisiana taxpayers would have to pay out for their portion of so be very expensive. In addition to that your state like most it's already covered women and children up to the page and level the -- talking about please bring on single childless men. Which is a very costly and very difficult group to treat do you typically talk the homeless are mentally ill people chronic illnesses so it's very expensive group. My general learned so that never tell my have real and think you're so -- with the time ever agreed. Our governor of -- accountable to -- -- move director of health care -- war room. -- of the Center for American Progress. And action fallen. Come right Barbara think about Obama geared just ruined us. Tonight midnight is that deadline to -- days such common right Doug governor. Over a figure of about obamacare tonight midnight is the deadline and and they're gonna take you to forward. If you say that you deleted and try and get on line tremendous problems on and whatever happened you can take words. And bill accept paper applications -- -- -- ruled silent. And taken which jobs and their service and will be on finish cases sorts. Midnight deadline kind. Interesting polls on associated products -- -- -- poll. Says only 26% of Americans said they support group portable -- 43%. Opposed to a would you look at all the old. None of Leopold show that Americans. -- more affordable care. Did you say picked it looks like it's -- -- and always will go to the experts to better understand the problems if they're there. And we have -- cart -- it's a directory failed or war room. For the center for American progress action -- senior open advisor with the center for American programs only welcomed the sure appreciate the call. What -- -- -- thoughts at this point to -- Garcia. Healthcare -- window a little bit up for a little -- today right. I think the they were doing. Nighttime patchwork. Like in the early hours of and at night and I've been seeing huge influx of traffic on to the site I think it was like eight point seven million people -- past week. On hand but is that psyched up and running and I noted. If there is very heavy traffic that people might be directed to the waiting room but that is just because of the -- by by. If he continues today on news. You'll be again after the site. Ignore some of these notes on married last couple -- reading about actual cases. And what some of the doctors and some holes -- on the people and doctors say. -- one lady in protectors surge was among several million Americans many of the middle class. Who loss insurance last year because those plans of the Obama care plans. Did not provide all the benefit from acquired under ball are you aware of that what's going down. So what the law says that. Is that that there needs to be number one -- need to provide people access to quality to her and her tax credits to help lower the cost but number two that did this coverage -- -- Our cover certain benefits so it patsy you know cover prescription drugs have to cover maternity care doctors visits. How well the wellness exams things along the those lines and so what you probably around like October November of last year that some. Insurance companies are sending Al. Letters to -- in customers saying that their plan would no longer be. Offered in the next year now a couple things that happen number one a lot of people been able to go on to the web site and find that they're gonna get a better deal under. Under the law but number two the administration announced. That blows it you know it's State's insurance commissioners. Decided that those plans can continue for another two years. In the Obama in particular wrote a number of examples. People that. Did not have health insurers couldn't get it. Through all the -- -- gave it to him and all three. While applying for it got better jobs. We have a little bit higher income. And their complaint was -- optimal all of Medicaid. Where and when they get knocked off of Medicaid can they still. Stay and Obama care. Well there's two I mean that the law. Provides covered in. In several ways like knuckle and it's -- number one it doesn't do anything to the two employers that are offering coverage so most people get. They're -- do their job now it's you'd kill -- your word doesn't offer you coverage. You can either get into the marketplace and you can qualify for tax credit to help lower the cost of their it's fine. Financial help that is available to help lower the cost. The other way is that states com have the prerogative to expand Medicaid. Now. Some state it's about half. Half the states are half the states armed Alabama and Louisiana are two states that are not expanding Medicaid so there is again and that is it occurred because the state lawmakers now expanding coverage. But pretty I don't know what this person is making what the salary differences but if they're being kicked up and Medicaid because they make too much being may be eligible. To go into the marketplace and receive financial assistance that way. Oh what about the doctors. The -- taking. In your insurance or are there are a lot of them and part of the reason for not do. -- -- -- Well I think there's there's a number. Things that are going on there I think to the extent that there was -- so called doctor shortage that was something that predated the law. On -- something that the -- helping to address by helping to China put on provide incentives to get more doctors to go to school and to become doctors. So we have really seen. You know looking edit the and you know as a whole that there's a lot. You know doctors that are denying patients what we're seeing actually a lot of people that are going to the doctor for the first time. You know getting that. You know net -- that containers you know that rash that they've been having for a long time -- timing game that looked -- -- treated. All right a -- they get about Obama care Affordable Care Act. Midnight deadline but there is an accident journal all the -- to what April 7 going to be cuts and fairly good breeze and you can get an extension. It was called we've got a pitch for what did she get questioned you got comments. -- Sid 0187. Told free and we're in the country 866. Rated nine and zero -- Rely it'd been -- midnight is the deadline to sign up for a portable character Obama Carol we have an expert with the -- opened for questions. On the car -- director helped our war room for the Center for American Progress. To do -- bring in some -- suits go to David in -- -- David your room with Tony appreciate your call. Good morning and drawn out and get an answer on. Even -- that don't qualify as being quote and quote via satellite into what would it cost you how to determine if mine might be. In that. -- -- Well the. -- and the Cadillac plan. I believe. I don't have that number did great for me but he it's it's a plan that costs like a certain amount money. On the Internet there's going to be and added tax but that tax is not going to be put on that in total when he eighteen. Com -- is that threshold hand. I don't I don't have that specific number of like what. How much health care plan at the cost incurred could be considered a Cadillac plan. But that's a few years off so -- just Melanie is now my employer based money injure. Yet in I think your employers you know -- during the open enrollment period that happens you know. Throughout the year like when an eight K okay here now this is what happened these of the changes that are happening here helped plan the state patiently and I'll. Not at all what they -- everything I don't know a twenty odd years and I don't. All -- know is that on my nature to provide them in my whole him. Via us. Have a athletic cost them you know you've -- it somewhere around. -- sport are out knowledge but I don't know exactly what I call. All right the talk to him or Tony over consume health care dog got -- couldn't find an entry there. Like you're getting -- if you're -- covers your employers. I would I would talk to -- player legged and someone in non human resources to kind of get the information of what what actually is covered. You know under your plan. Well let them. For a it to to union jobs to visit. Is that maybe not even going to be -- even if it is in that range. -- I had any plans and again like whatever the threshold is for it the cost of health carried out and being considered a Cadillac tax Cadillac plan. Will be subjected to attacks. You know in the future. And that that's the across the board. -- -- go to do in the east in the Jerome -- told. I apologize for earlier. My question I have group pictures. Obamacare it actually venture will crawl out through the sheriff dart are cheaper. But what I found hanging out in my pocket. And you -- and you shouldn't go out of the group. I use I -- group year player. Lawyers. Thought out which way. Do they provide. It. -- Standing. -- true and I go culture. If you're -- you're if you have your covers your employer you you. Now whether there're couple things that like whether. What they're asking you to pages today. It's considered unaffordable in the sense that it's more than about eight or 9% of your income. But -- you are -- like that you can't go on to health care -- and to have access to the tax -- to help lower cost. Because that the -- allotted setup is that the exchanges were created mostly for. For those that were uninsured before -- in the non group market. It's built upon the employer based system and so at least that relatively untouched. So if you have coverage through your employer. Com. I mean that's the away you know that they're not at war. I mean that. I mean that the way. That is the way that the -- was set up -- considering. How healthcare debate it unfolded in the past is that you know there was an effort to keep the private. Insurance market and the employer based market. The witness. -- bidders are relatively no changes to employer based market. And there they're under specific situation current students specific situations. Where you would be allowed to go into the exchange and have access to those tax credits I think yeah I I would I would. Local bit to see if you can go on but not have the tax credits and and there are because you and the employer coverage. But that's just one of the ways applause setup -- designed. -- under a number of the reports of a bread do they use the word Muni in most of reporters many consumers. They have their board policy is -- would restricted access. To the top tier hospitals and leaders medications. Have you heard that problem and and if so is there's something being go to boaters are just witness. Well. There -- you know insurance companies have all these you know before the April care act and now with the Affordable Care Act have always design and networks like what doctors what hospital and other providers are included. That's always been the case. Final in some instances there's been. The quote unquote -- here that are being included mostly because of their very expensive. But that doesn't mean that the quality of care that you know there are providers that are included network. That's why it is very important for people there on health care back and looking to the plan that they look through what. -- -- Who is included in their networks and you see what doctors and there what hospitals and there. And those people can make the Actuate prevent. And everything -- -- -- you -- we have -- stage or still opposed -- undecided. -- this program work with the half obviously it's not a participant. Between about the Medicaid. Portions. Yes they can it can survive and it would and it is doing so I mean it would be better if every state where did this work to expand Medicaid what we're finding -- Because the lot with that that. -- Medicaid was supposed to be expanded in every state but when the Supreme Court upheld the law. It also says states can make those decisions for themselves whether or not to expand or not. But what happens is if you make too much to qualify for Medicaid without the expansion took for example Louisiana. You know if you do make too much. To qualify for Medicaid but you don't make the poverty line. You don't have access to tax credits in in Vietnam. In the exchanges. And so what that means is there about. Four point eight million people that are following through the cracks because you know lawmakers in states are choosing not to except the federal money. And to offer. Quality affordable health care to count those four point nine people. We're rolling good about thirty seconds so we can go to the caller but callable and -- though. How do you sign up if you can't keep -- If you campaign yeah you can report. Virtually anything. Subsidize well it. If I mean it's all based on incomes of your income is low -- you should be eligible for Medicaid in which case you know that the premiums would be. Very well. And some subsidies right. The company's priority for those that make between a hundred to 400% of the poverty line to about like 46000. That if -- -- like 46000 per individual 96000 per family of four. But so if you make between like 161000 protect -- you have access to the tax credits but anything below that you should be eligible for Medicaid. Tony through a preacher Jay Gibbons in particular. Crime and answer in answering portions of the who's called and you have good days and thank you. -- -- DO brigades of media world five the -- Of products gentleman the -- fifteen years on death rural Louisiana. And he was innocent. Common right.