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Jul 31, 2013 11:08 AMPublication: The Southampton Press

Bishop Touts Affordable Care Act In Sag Harbor

Jul 31, 2013 11:30 AM

U.S. Representative Tim Bishop visited the Hamptons Preventive Health and Sustainable Technology Expo in Sag Harbor on Saturday to address concerns of his constituents about the Affordable Care Act and help ease the transition and ongoing implementation.

Conceding that the bill was controversial and the phase-in can be somewhat rocky, Mr. Bishop urged some 30 people in attendance to not get frustrated. “I’m certain that three, four, five years from now, people are going to be looking back on the Affordable Care Act in the same way that people now look at Medicare,” he said.

The Affordable Care Act, commonly referred to as ObamaCare, was passed in 2010 in an attempt to overhaul the country’s health care system, driving down the cost of health insurance premiums while increasing the numbers of Americans covered by health insurance.

Mr. Bishop said he went back and looked at the Congressional Record for what people were saying about Medicare in 1963 and 1964, and his findings confirmed what he thought. “Word for word, the arguments of government takeover of health care and socialized medicine, you can’t use your own doctor and being denied coverage—it was all said,” he said. “Guess what? None of that happened. If you were to go to seniors now and say we need to take away Medicare because of these things, there would be a revolt in this country. It is the most popular benefit we as a government give anyone in this country.”

Saying that already phased-in elements of the act are incredibly popular and working well, Mr. Bishop emphasized other aspects, such as children being able to stay on their parents’ plan until the age of 26 and the “inability of insurance companies to cancel a policy when someone has the poor sense to get sick and file a claim.”

Looking forward, Mr. Bishop stated: “The real meat of health care reform goes live on October 1, when the exchanges, which will allow people to shop online for policies, much like an Expedia.com does for travel, open up.”

He noted that New York State is far along in terms of getting their exchange up and running, which he sees as an encouraging sign.

“The early pricing in the exchanges are reflecting precisely what those of us who supported health care reform thought would happen,” the congressman said. “The open and transparent competition on the basis of price and service will drive down the cost of policies.”

Mr. Bishop predicted that people entering into the individual market will see on average the cost of their premiums go down 50 percent and small business owners who provide coverage to their employees will see an average drop in price of about 35 percent.

“Despite what the detractors might say, this is exactly how a free market operates,” said Mr. Bishop, a Democrat. “Comparison shopping drives down price, because people are competing.”

In concluding his remarks, Mr. Bishop explained the importance of making everyone purchase health care as two-fold. First and foremost, the congressman said, is keeping people healthy. The second point, he added, was about keeping prices down for everyone.

“There is no magic about how this works. Insurance companies make money when people buy policies and don’t make claims,” he said. “That’s their business model. When people aren’t required to buy policies, only people who are sick and are likely to make claims buy policies. But the cost of insuring an entire population goes down when it is spread over a much larger risk-pool.”

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Hey, Timmy! Come to my office and explain to me how Obamacare is going to help. I still don't get it. We were offering a program through Healthy NY, but now that's going to be shut down. Part time, part time, part time... those are the jobs we'll be offering. It's bad for all.
By double standard (1506), Remsenburg on Jul 31, 13 3:08 PM
1 member liked this comment
Just about every one of our doctors has sent us a notice stating that as of next year they will no longer be accepting private insurance. I would love it if Mr. Bishop would explain how having cheaper insurance that no one will accept is going to benefit us. I wrote to Mr. Bishop a while ago and asked about getting the health care credit on self-employment tax extended. I received an Obamacare will save us all form letter in return. I didn't expect a hand written personal response but nothing ...more
By cmac (184), East Quogue on Jul 31, 13 4:09 PM
2 members liked this comment
Well spoken, Congressman. The Cassandras who foretold a Medicare Armageddon fifty years ago have risen like zombies to a reprise of their '63 performances for Affordable Care.

Once implemented, it will be held in as high regard as Medicare is today. A delightful lagniappe will the that extremist Republican health saboteurs will thereupon be cast into outer darkness by their enraged constituents.
By highhatsize (4217), East Quogue on Jul 31, 13 4:31 PM
2 members liked this comment
In case you haven't noticed Medicare is broke
By razza5350 (1911), East Hampton on Jul 31, 13 8:19 PM
I strongly encourage Phil or anyone else who thinks more entitlements like Obamacare are a good thing to check out Bruce Jostens speech at he US chamber of commerce. By the way it appears Phil is not familar with the old shell game (you do know the cost for Obamacare is over 1 trillion and counting)?
By razza5350 (1911), East Hampton on Aug 1, 13 11:33 AM
As public enemy says "don't believe the hype". You may want to read the report written by medicare trustee Richard Foster. The smoke and mirror show will come to an end faster than a Bernie Madoff ponzi scheme.
By razza5350 (1911), East Hampton on Aug 1, 13 11:34 PM
If supporters of Obamacare come clean they would say one of two things. 1, Medicare is going bankrupt in 2016 but the CBO scores Obamacare deficit neutral or 2. Medicare is going bankrupt in 2026 and Chuck Blahaus's score of Obamacare increasing the defecit is accurate.
Even Obama himself admitted "you cant say that you are saving on medicare and then spend the money twice". Richard Foster the governments longtime chief analyst of medicare costs should be commended for his honesty and courage. ...more
By razza5350 (1911), East Hampton on Aug 2, 13 12:57 PM
The country has needed health care reform for a long time. Thank you Rep. Bishop.
By SHNative (554), Southampton on Jul 31, 13 5:17 PM
Affordable for who? It's not affordable for the people who are providing jobs and that's the main problem. Look, this isn't a political issue, this is a dollars and jobs issue. I hope I'm wrong about this, but I think Obamacare will do some significant damage to the job market. We'll see.
By double standard (1506), Remsenburg on Jul 31, 13 5:47 PM
Not trying to be picky here, but the issue is health insurance reform, not health care reform.
By PQ1 (167), hampton bays on Jul 31, 13 6:09 PM
Can I have some of what Bishop is smoking?
By razza5350 (1911), East Hampton on Jul 31, 13 8:17 PM
1 member liked this comment
Lets see Bishop explain exactly what ObamaCare really is. He can't. And neither can Obama. What I would really like to see is Bishop take this coverage like the rest of our government. Their tune would change real quick.
By realistic (472), westhampton on Jul 31, 13 8:29 PM
plilathome- you sound like you are in the "know" with what Bishop has. If you are have him put out a statment as to what he has or doesnt have before I believe that one.
By realistic (472), westhampton on Aug 1, 13 7:52 AM
Hey. Are you interested in buying a bridge?
By realistic (472), westhampton on Aug 1, 13 7:49 PM
It's not exactly free market competition. If Oxford and Empire Blue Cross are offering plans inside of the NY Health Insurance Exchange and Oxford and Empire Blue Cross are the most popular plans (because they have the only meaningful regional physician networks) outside of the Exchange they will simply be gaining a larger share of the marketplace. Yes, individuals who are not working or not yet eligible for Medicare will see savings. Their rates will go down from $1600-$1800/month down to $700-$900 ...more
By KevinLuss (356), Detroit, Michigan on Aug 1, 13 6:30 AM
Since Obamacare was passed, not fully implemented but passed, my health insurance rates have risen twice. A catastrophic policy for my wife and myself, with a 10k deductible and a 2 k prescription deductible is now $ 1,155.00 per month!!!! Up from $ 895.00. Nice bit of savings there! As to the Champ's usual anti capitalism arguments: Business exists to make a profit, not to provide jobs or health insurance! End of argument.
By bigfresh (4666), north sea on Aug 1, 13 7:09 AM
1 member liked this comment
"Champ's" views and way too many like him are reinforced by the current Admin and Media.
Business, Profit, Success = Bad and evil. Govt = savior with the power to take from the bad and the evil and dispense to the public as it sees fit. Not at all viable, but comforting to the indoctrinated.

The problem is, the indoctrinated don't differentiate between Bob's Country Hardware Store and AT&T. They see them all as evil and barrels to tap. They have no idea what it takes to run a business ...more
By double standard (1506), Remsenburg on Aug 1, 13 7:44 AM
Funny thing.

We turn a profit, and have offered group health benefits for over twenty years.

Maybe it's just that you're just not plucking enough of a market share, or are diversified enough Pretty much means you need to grow some more. Maybe you should figure out how to offer year round services...
By Mr. Z (11847), North Sea on Aug 1, 13 10:35 AM
1 member liked this comment
Stop being such an elitist most businesses are getting away from offering insurance. Maybe we should ask Bishop why politicians are exempt from this fiasco. Better yet there should be a law that politician should have to have the same policy as an ordinary citizen until then politicians have no insurance. How about we call the new policy the equal healthcare act where we are equal with our so called public servants.
By chief1 (2800), southampton on Aug 1, 13 11:21 AM
Z, that's great. But please understand that company growth and employee salaries are directly tied. Using my biz as an example (because it's easy to do) I want to grow. Growth means hiring. The better prospects want health insurance (understandably) so we have to choose between 1 FT employee + benefits, or 2 PT employees w/o benefits. The 2 PT prospects probably being less desirable, but clearly more affordable. When you weigh the options, you go with the 2 PT candidates because it's the sustainable ...more
By double standard (1506), Remsenburg on Aug 2, 13 8:56 AM
Mr Z: Thanks for the advice but My business is just the right size for me at this time. Bottom line is enough to afford us a nice lifestyle and 3 months off a year is pretty sweet.
H H : Why should a business provide any health insurance to it's employees in the first place? Personal responsibility people, personal responsibility.
By bigfresh (4666), north sea on Aug 1, 13 4:48 PM
Maybe because as a group, you have more bargaining power?

You never cease to amaze...
By Mr. Z (11847), North Sea on Aug 1, 13 7:28 PM
In studying for a certification course on the NY Health Exchange, I just discovered why the individual rates in the exchange are 50% less than the ''off-exchange'' plans. They are being subsidized by the Federal Government by new income taxes for 2014 (Which, by the way, renders Mr. Bishop's comment about this being a free market innacurate). For one year - which is why the comment was made that ''Early'' pricing in the exchanges reflect exactly..." After that they must be self supporting to ...more
By KevinLuss (356), Detroit, Michigan on Aug 1, 13 5:29 PM
Stop printing ****loads of money?
By Mr. Z (11847), North Sea on Aug 2, 13 5:46 AM
That would certainly help a lot of things Mr. Z. Unfortunately, the small groups are no better. $$1,500-$1,700 for a family with a decent plan. It is a real shame that people won't find any values in the ACA after the first year. Most objective studies show that the only savings on the small group side would come from qualifying for the tax breaks (that's also renders the small group side void of what the politicians call ''fair market competition"). Not for the lack of trying but most companies ...more
By KevinLuss (356), Detroit, Michigan on Aug 2, 13 6:08 AM
I think it has a lot to do with cultural attitudes as well. An overbearing sense of worth is not solely a "middle class" trait, it's a human trait in most cases.

When you look at the massive increase in M2, the change in definition of what constitutes a "physical hedger" (since 1991) on the "Street", and you look at the proportionate increase in high level salaries, that all trickles down into increased costs. Inflation is inflation, even if it's not the hyperinflation of the Weimar Republic. ...more
By Mr. Z (11847), North Sea on Aug 2, 13 9:46 AM
The success or failure of Obamacare will ultimately be decided by businesses.
So the political back and forth and speculation is pretty much useless.
If businesses can't afford the premiums then they won't hire, or keep going the PT route. If it's the greatest thing since pizza then we'll all be happy.
That's the great thing when theory goes to practice - we get to see how clever we aren't.
By double standard (1506), Remsenburg on Aug 3, 13 11:30 AM
Don't forget the youth of America. They will play an important role in its success. The once big time supporters of Obama care are now running for the hills. Someone forgot to tell them it wasn't free. The future insurance rates of this country are dependent upon enrollment of a younger healthier pool of insurers.
By razza5350 (1911), East Hampton on Aug 3, 13 2:07 PM
to bigfresh:

Why should you be required to support public education? Why should you be dunned for the maintenance of the 106th Rescue Wing?

Personal responsibility (of children and drowning mariners), bigfresh, personal responsibility, no?

Why, indeed, does the government not simply ASK you to contribute and than accept in payment what YOU think you owe?
By highhatsize (4217), East Quogue on Aug 3, 13 3:27 PM
Apples and oranges HH, apples and oranges. The above mentioned services benefit us as a society, health insurance should be the responsiblity of the insured, not the employer. Why should a business that is providing a job and a decent wage be saddled with providing health insurance?
By bigfresh (4666), north sea on Aug 4, 13 7:59 PM
Hip replacement in Germany - 14K

Hip replacement in the U.S. of A. - 80K

Your "free market", is a crock of free ****.


In Need of a New Hip, but Priced Out of the U.S.
By ELISABETH ROSENTHAL | Published: August 3, 2013

WARSAW, Ind. — Michael Shopenn’s artificial hip was made by a company based in this remote town, a global center of joint manufacturing. But he had to fly to Europe to have it installed.

Mr. Shopenn, 67, an architectural ...more
By Mr. Z (11847), North Sea on Aug 4, 13 8:19 PM
2 members liked this comment
to bigfresh:

Au contraire, universal health insurance benefits us as a society just as does universal education and rescuing drowning mariners. You may WISH that health insurance were solely the responsibility of each individual citizen, regardless of his ability to pay for it, but we, as a society, have decided that it is a minimal requirement of any job on offer, just as we have decided that a minimum wage is. Now, YOU may argue that it is not your responsibility, just as you would ...more
By highhatsize (4217), East Quogue on Aug 4, 13 9:31 PM
1 member liked this comment
Doesn't universal health insurance mean everyone has coverage? How is ACA universal coverage? Obama himself won't be on it. Even the IRS ( who will be enforcing it) doesn't want it. People can waive, many business have received exemptions and the people that voted it in aren't taking it.
Your blame on rate increasing is unfounded. Many aspects of the ACA have been implemented including the MLR formula. The MLR limits carriers to a percentage of profit. This limit affects many people. It goes ...more
By razza5350 (1911), East Hampton on Aug 5, 13 8:10 AM
to razza5350:

Rubbish. Please post any - - - ANY - - - citation to authority that supports your claim that the ACA caused insurance premiums to rise in 2013. It's pure fiction.

The fact is that to date $1.6B has been rebated to insureds by private insurance companies due to the Affordable Care Act ceiling on profit (i.e. the Medical Loss Ratio to which you refer) according to an article by Jay MacDonald at Bankrate.com. In addition, the Kaiser Foundation estimates that without ...more
By highhatsize (4217), East Quogue on Aug 5, 13 11:48 AM
Wow you can't be serious. In regards to your savings of 1.9 billion on the MLR you do understand this bill is costing tax payers over 1 trillion
By razza5350 (1911), East Hampton on Aug 5, 13 1:37 PM
Not only did ACA ignore this problem but it exacerbated it. Effective January 1, 2013 the Affordable Care Act instituted a new 2.3% excise tax on medical devices that was hastily passed onto the consumer.
Aug 5, 13 4:22 PM appended by KevinLuss
highhat - what are ''excess profits'' and who is charged with keeping track that profits are within the acceptable range?
By KevinLuss (356), Detroit, Michigan on Aug 5, 13 4:22 PM
Another cut and paste by the boards resident self proclaimed genius. All I know is anytime govt gets involved in anything it is costly, and since 2008 my medical has almost doubled.
By chief1 (2800), southampton on Aug 6, 13 8:06 AM
1 member liked this comment
Chief you are wrong on the year. It started in 1994 when NY state put in place community rates. When I exited college the premium for a single was less than 20 dollars a month and that was not having to deal with networks. This socialist law (created to balance the rates) caused many young people to drop coverage and coupled with increased costs of care sent prices skyrocketing. The ACA will suffer the same rate unless they can sell this to the youth of america.
By razza5350 (1911), East Hampton on Aug 6, 13 10:40 AM
I'm talking about 2008 when the chosen one was elected and insurance companies went crazy with premiums. The companies knew universal care was on its way. I remember in 1995 my rate went from $96 to $ 219. The only thing the federal govt had to do was let 50 states have the same competitive markets. This legislation is thousands of pages long but we are all suppose to understand it. Its yet another mess our govt has created.
By chief1 (2800), southampton on Aug 6, 13 3:21 PM
Trust me I am not a fan of Obama and I think the ACA is a train wreck waiting to happen BUT you can thank Mario Cuomo and NY state assemblyman for your rate increases. There stamp is on it.
With the exception of the mandate and tax credits the ACA is very similar to the NY state community law. I think you will see similarities. Initial reduction in price followed by steep increases every year until it becomes unsustainable. We still haven't addressed the cost of care. Until we do insurance ...more
By razza5350 (1911), East Hampton on Aug 7, 13 6:52 AM
Many of the current plans do not meet the coverage requirements of ACA. Because coverage was increased, prices increased. In this manner, the ACA, which was enacted in 2010 and has been in effect since then did impact the rates of many people. If you have HealthyNY, the subsidized NY State plan, that is going away and your plan will be increased in scope and price to include pediatric vision and dental along with much more comprehensive preventative care for women.
Aug 5, 13 3:00 PM appended by KevinLuss
highhat - i get 2 comments a day but there exists no authority on ACA to cite. Nobody that voted on it read it and nobody that is charged with enforcing it wants anything to do with it. So a citation to authority might be impossible. Insofar as the funding mechanism is concerned. Everyone will pay for this. Taxes across the board were instituted to pay for this and employers do not tend to bear any more costs than are necessary. Thus, taxpayers will pay double as consumers. There is no authority to cite for this, I do not think, it is my opinion.
By KevinLuss (356), Detroit, Michigan on Aug 5, 13 3:00 PM
to KevinLuss:

To reiterate, a citation to authority showing that the Affordable Care Act has caused private health insurance premiums to increase in 2013 would be appreciated.

to razza5350:

Affordable care will help millions of middle-income taxpayers buy insurance and the cost will be borne largely by employers and by high-income individual taxpayers according to Factcheck.org. However, the savings resulting from preventing excess profits will be rebated to taxpayers ...more
By highhatsize (4217), East Quogue on Aug 5, 13 4:21 PM
HH you need to get you facts straight
1. The savings from the rebates are going to the employers and NOT to the employees. The only group that could potentially benefit from rebates are people with individual coverage
2. Groups under 50 are not required to pay a dime for their employees coverage. In fact through the exchange these groups can offer different levels of coverage based on occupation class
3. The ACA will NOT help the middle class. It WILL however benefit the poor. By expanding ...more
By razza5350 (1911), East Hampton on Aug 6, 13 6:28 AM
"the costs will be borne largely by EMPLOYERS AND HIGH INCOME INDIVIDUAL TAXPAYERS" There is the crux of the problem Komrade! Not many new full time positions coming up as long as the employer will be hit with increased costs for each full timer. Thanks Barak!
By bigfresh (4666), north sea on Aug 6, 13 6:27 AM
to razza5350:

1. Your point being? Whether a person has individual or group insurance, rebates reduce his insurance costs.

2. True. A deficiency of The ACA that we will have to fix as soon as we jettison the House Luddites.

3. MY post includes a citation to authority that the ACA benefits the middle class. Do you have a citation for your contrary unsupported assertion.

4. No one claimed that health care costs have gone down. The fact is, however, that insurance ...more
By highhatsize (4217), East Quogue on Aug 7, 13 11:27 AM
1. There will be no reduction in insurance costs until you reduce the cost of care. If you think that 1.9 billion in rebates ( little of which gets to employees) is helping people you are nuts. The ACA will cost taxpayers over 1 trillion. That cost will effect everyone in terms of lower wages and lower spending power.
2. Doesn't even warrant a response
3. There are many articles for and against. Just google it. Bottom line is numbers wont be out on this until its full implemented. History ...more
By razza5350 (1911), East Hampton on Aug 7, 13 1:10 PM
I think you should not forget Congressional cronyism, and that little bit of nepotism the engage in for some added salt in the wounds of the "middle class".
By Mr. Z (11847), North Sea on Aug 8, 13 7:31 PM