McCain: Medical Quagmire Keeping the GOP from Passing TrumpCare

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7월 17일, 오늘 상원에서 투표에 들어가기로 했던 Trump Care에 브레이크가 걸렸다. 이유인 즉, 지난 금요일 John McCain(R-AZ) 상원의원의 왼쪽 눈 안에 5센티미터의 혈전이 생겨서 수술을 했기 때문이다.

텍사스에 있는 메요 클리닉에서 지난 금요일 맥케인 상원의원이 수술을 받았다.  당분간 병원에서 치료를 해야 하기 때문에 그리고 언제 병원에서 퇴원하게 될 지 아직 알 수 없어서 오늘 트럼프케어 투표를 미룬다고 미치 메코넬 (R-KY)다수당 당수가 밝혔다.

현재 공화당에서 두명의 상원의원이 트럼프 케어를 반대한다는 입장을 고수하고 있으며, 민주당 46명, 인디펜던스 2명이 모두 반대하고 있는 입장이라 멕케인 상원의원이 투표를 해야만 가결될 수 있기 때문이다. 상원의원 100명중, 51명이 가결을 해야 하는데, 현재 상황에선 멕케인 상원의원이 들어와야 펜스 부통령이 함께 해서 가결로 이끌 수 있다. 공화당 4명의 상원의원 Mike Lee(R-UT), Jerry Moran(R-KS)의원, Rand Paul (R-KY), Susan Collins (R-ME)은 개정된 보험법에 대해 투표하지 않을 것이라고 말했다.

특히 Susan Collins 상원의원은 펜스 부통령은 지금 잘못하고 있는 것이다. 메디케이드를 감축하는 것은 정말 잘못된 일이라고 말하며, 자신은 결코 트럼프케어에 투표하지 않을 것이라고 밝혔다.

결국 트펌프의 압력에도 불구하고, 공화당의 트럼프케어에 찬성표를 던질 상원의원의 숫자가 적어 트럼프케어가 법으로 상정되기까지에는  조금 더 시간이 걸릴지도 모른다.

TrumpCare 가 건강보험법으로 제정될 경우, 수 천만명이 오바마 케어에서 보호받았던 Preexisting Condition, 이미 가지고 있는 고질병, 등으로 인한 치료에 보험혜택을 받으려면 이제까지 냈던 코페이보다 더 많은 환자 부담액을 지불해야 한다.

링크를 참조하면 도움이 된다. 즉 어떤 질병을 가지고 있느냐에 따라 환자 부담액이 얼마만큼 증가하는 가와 또는 보험회사에서 보험을 들어줄 것인가 말것인가 미리 측정해서 선별적으로 보험가입 승인을 해주게 된다.

<아래 링크 참조>

https://trumpcare.com/trumpcare-pre-existing-conditions

Premium Hikes for Pre-Existing Conditions

Before the ACA was passed, insurers might have charged someone with depression 50 percent more in premiums than someone without it, and being overweight could have resulted in a 25 percent surcharge. An analysis from AmericanProgress.org outlines how much costlier health plans could be under Trumpcare with a surcharge for pre-existing conditions. Here are just a few examples:

  • Asthma: 106% surcharge ($4,340)
  • Autistic disorder: 135% surcharge ($5,510)
  • Diabetes (uncomplicated): 137% surcharge ($5,600)
  • Seizure disorders: 179% surcharge ($7,300)
  • Major depressive and bipolar disorders: 208% surcharge ($8,490)

These figures represent only the surcharge, which would be added to the standard premium for a healthy person. The surcharges listed above don’t include any assistance programs that might be implemented under Trumpcare (though the analysis from American Progress does list adjusted rates). In one extreme example, people with metastatic cancer could face a premium surcharge of 3,500 percent – an extra $142,650 per year for coverage on top of regular premiums and undoubtedly high medical bills.

The AHCA only allows states to charge higher premiums for people with pre-existing conditions if the states set up high-risk pools to offset the cost. Likewise, the federal government is allotting about $130 billion over the next nine years toward a Patient and State Stability Fund. Critics argue that this fund – and other so-called “invisible risk-sharing” methods – isn’t enough to help people with higher premiums afford coverage. The people who need more medical care may not be able to afford it under Trumpcare.

More Common That You Think

You might be thinking, “I don’t have a medical problem, so this doesn’t concern me.” Think again. Kaiser Family Foundation analyzed pre-ACA medical underwriting practices nationwide and determined that about 27 percent of U.S. adults have a condition that would make them uninsurable under the old guidelines. We’ve outlined 25 conditions that could count as “pre-existing” under Trumpcare in a handy infographic, along with how common they are among the U.S. population. To learn more about the prevalence of these conditions, check out our source links:

acid reflux | adult acne | anxiety | arthritis | asthma | C-section | cancer | COPD | depression | diabetes | disability | eating disorders | heart disease | high blood pressure | high cholesterol | infertility | kidney disease | mental disorders | migraines | obesity | paralysis | peptic ulcers | pregnancy | postpartum depression | sleep apnea

Our infographic doesn’t include every condition that an insurance company might consider “pre-existing.” In fact, it’s not even close.

Under pre-ACA rules, insurance companies could define their own set of standards for medical underwriting. Some insurers set stricter guidelines than others. If you have one of the following conditions or medical problems, then you may be subject to medical underwriting if you let your coverage lapse under Trumpcare:

  • Acid reflux
  • Acne (adult)
  • Acromegaly
  • ADD or ADHD
  • AIDS/HIV
  • Alcohol abuse or drug abuse with recent treatment
  • Alzheimer’s or dementia
  • Amyotrophic Lateral Sclerosis (ALS)
  • Anemia (aplastic, Cooley’s, hemolytic, Mediterranean or sickle cell)
  • Anorexia
  • Anxiety
  • Aortic or mitral valve stenosis
  • Arteriosclerosis
  • Arthritis (rheumatoid), fibromyalgia, or other inflammatory joint diseases
  • Asbestosis
  • Asthma
  • Cancer within a set period (10 years, in some cases)
  • Cardiomyopathy
  • Celiac disease
  • Cerebral palsy
  • Chronic bronchitis in the past 12 months
  • Chronic obstructive pulmonary disease (COPD) or emphysema
  • Cirrhosis of the liver
  • Coagulation defects
  • Congestive heart failure
  • Coronary artery or heart disease, or bypass surgery
  • Crohn’s disease or ulcerative colitis
  • C-section
  • Cystic fibrosis
  • Demyelinating disease
  • Depression
  • Dermatomyositis
  • Diabetes
  • Diabetes mellitus
  • Dialysis
  • Disability (various)
  • Epilepsy
  • Esophageal varicosities
  • Friedreich’s ataxia
  • Glaucoma
  • Heart disease
  • Heartburn
  • Hemophilia
  • Hepatitis (Type B, C or chronic)
  • High blood pressure (hypertension)
  • High cholesterol
  • Hysterectomy
  • Infertility
  • Kidney disease or renal failure
  • Kidney stones
  • Knee surgery
  • Lupus
  • Lyme disease
  • Melanoma skin cancer
  • Menstrual irregularities
  • Mental disorders (including severe depression, anxiety, bipolar disorder, OCD, eating disorders and schizophrenia)
  • Migraines
  • Multiple sclerosis
  • Muscular dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Obesity and/or a BMI over 40
  • Organ transplant
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Parkinson’s disease
  • Pending surgery or hospitalization
  • Pneumocystic pneumonia
  • Polycythemia Vera
  • Postpartum depression
  • Pregnancy or expectant parent (includes men)
  • Psoriatic arthritis
  • Pulmonary fibrosis
  • Sarcoidosis
  • Scleroderma
  • Seasonal affective disorder
  • Seizures
  • Sex reassignment
  • Sjogren’s syndrome
  • Sleep apnea
  • Stroke
  • Transsexualism
  • Tuberculosis
  • Ulcers (peptic)
  • “Sexual deviation or disorder”

Even the list above isn’t exhaustive. There are hundreds of conditions that an insurer might use during the medical underwriting process, including sub-conditions or very specific definitions of certain conditions, like cancer. The definition of “pre-existing” could include conditions that you’ve had in the past but don’t currently have. If you’ve ever had the following conditions and/or had difficulty due to the following conditions, then you may also be subject to medical underwriting if you let your coverage lapse under the AHCA:

      • Angina
      • Blood forming organ problem
      • CHD
      • COPD
      • Diabetes
      • Depression
      • Drug, alcohol or substance abuse
      • Emphysema
      • Endocrine problem
      • Heart attack
      • Mental retardation
      • Non-skin cancer
      • Schizophrenia, ADD or bipolar disorder
      • Senility
      • Stroke

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