In part 2, the focus turns onto the pre-existing condition component of Obamacare, the control of medical decisions and the Affordable Care Act's relationship to Medicare, if any.
SABLUDOWSKY: Now one of the things I'm really kind of confused about and please help me with this and in terms of the pre-existing conditions--I know that, and I as an attorney, one thing I saw when I was doing personal injury law (and we're talking about a good 20 years ago) the insurance companies were always trying to avoid paying and they would always go and pull up this pre-existing condition denial and so you mentioned, well of fine, we should have pre-existing conditions, so if we yank Obamacare or the affordable care act if we yank it out, just turn it off somehow, what happens to the "pre-existing" how do we grandfather that in without having an idea as to how would pay for the rest of the system?
MANESS: Let's go back to number four portability as in a free market system if the insurance policy stays with the individual and then if the individual leaves the employment--the insurance policy stays with them and the insurance companies can't say well we're not going to insure you any more when you get to your new employer because you have a pre-existing condition. Look, I've lived this. My wife had breast cancer when we left the military and my new company would not insure her so we had to keep our own insurance, fortunately we were able to do that under the system we were under and that's what I think we should be implementing-this portability concept so that folks can keep their insurance and go ahead and pay their premiums and get treatment for their folks, for their families and that's what will address the pre-existing conditions issue because if we leave it in a big federal program eventually the bureaucrats are going to take hold and they already are on decision-making criteria instead of doctors and patients.
SABLUDOWSKY: Okay now insurance companies did take over as far as I'm concerned in terms and I've seen so many times and I am sure you have also, where doctor says to a patient "okay, we want this treatment" any insurance company says "no" you "can't have this medicine the doctor has ordered, you can't have this can't have that" so we taking the burden off the, say, government and and putting it back onto the insurance companies, whose obligations and not that there's anything wrong with it, I mean this is free enterprise and their obligations are to their shareholders but we're not going to have a perfect system no matter what. We did not have it before. And we don't want to have, or at least, I don't want to have a single payer system which is like you said Bernie Sanders- type-system.
MANESS: Again, that gets into insurance policy and reform and that kind of issue versus why do we have to have a big federal government program that forces people into a certain type of policy, an example is, a friend of mine who works over in Hammond, he operates a small business-- his spouse, she's in a corporation where she has her own medical insurance and he has his own medical insurance through his small business--well, his policy was canceled by Obamacare because, without even asking him because he did not have maternity insurance on himself through his private business insurance policy. And those are the kind of situations we need to prevent from happening, and they always do that is not have government healthcare. We need to reform our insurance laws. you know the insurance companies all like Obamacare because of one thing--it takes the risk from them and puts it on the federal government but it's not really on the federal government it's on the US taxpayers, as who's taking all the risk on that and we need to shift that risk, back to the insurance companies and have them operate as private businesses not these public-private partnerships or as part of the government 's health care system.
SABLUDOWSKY: Now some might argue that Obamacare in many ways is like Medicare, you know the thing is everybody pays into the system in terms of Medicare if they're working and once you reach a certain age basically the government pays so what are the differences-- and in fact, in fact, in terms of Medicare let me throw something out as I understand it the private enterprise system that actually will take over the administration and the paying of the claims-- now in many respects is in that kind of like Obamacare?
MANESS: I think it's totally different Obamacare is the very next step to the single-payer system; Just look at all of the issues and the dollars that we spend like websites and those kind of things, we spent almost $1 trillion dollars just to get a website working and it still doesn't effectively today
SABLUDOWSKY: I mean that was a disaster
MANESS: it is a disaster and we throw numbers like a trillion around as if they're nothing but there our tax dollars , and that's the issue, you know Medicare, the last time I looked at my pay statement when I was earning a paycheck there's a payment where I paid in to pay for my Medicare coverage when I get to that certain age and those kind of things. Nobody's has paid into Obamacare so I think it's a totally different system and it's one it's taking the risk off health insurance companies and putting it on the US taxpayer and that's the wrong way to go because like I said instead of paying all these dollars, trillions of dollars on websites we could have spent those dollars on medical research to cure cancer and Alzheimer and diabetes instead, instead of having these high costs go up
SABLUDOWSKY: Okay look, that's fair enough. I think this is a debate that we're going to have to have as we continue, no matter who comes, who takes over the Senate, the House and President. it's going to be an ongoing debate.