麻理子からの連絡はいつも決まって突然やってくる。
それも決まって深夜帯に連絡が入る。
「いまなにしてるのー?」
これが麻理子からの連絡だ。いつも0時を回った頃に一報が入る。
彼女は六本木のバーで働いているらしく、バー上がりに連絡がくる。
決まって深夜帯にタクシーで移動している。僕自身彼女が何者かつかめていない。
ただ、言える事は、本当に奇麗な女性であること、これだけだ。
黒髪ですらっとした背丈、大きな瞳で、いつも服装が整っている。
そして、笑顔がとても奇麗だ。
いつも待ち合わせるのは渋谷の奥くにある
ここで赤ワインを飲むのが通例になっている。
すこしおなかが減っているのか、フォアグラのソテーを頼んだ。
「今日は何してたの?」
「仕事してた」
これがいつもやり取り、中身は無くていい。ただ彼女に一目会えれば、それだけで十分だ。
彼女にはいつも、連絡が付くわけじゃない。
六本木、麻布、銀座を移動している。
まるで、都会の喧噪に飛んでいる蝶のようだ。
いつ連絡が取れなくなるか不安になるほどだ。
今日は仕事が早めに終わり、そのあと友達と飲んでいたが、中途半端に酔いが回ったらしく飲み直したかったようだ。
この後も、知り合いのお店に飲みに行くらしい。
時間は既に2時を回っている。
「いまなにしてるのー?」
この一言が欲しくて、僕は今日も眠れない。
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In the last couple of months we have seen a whole lot of Health and
fitness Treatment Reform policies and restrictions remaining introduced
by the Health and fitness and Human Providers Division. Every single time that happens, the media
gets keep of it and all forms of posts are prepared in the Wall Avenue
Journal, the New York Moments, and the Tv set network news programs speak about it.
All the analysts get started chatting about
the professionals and negatives, and what it implies to companies and folks.
The difficulty with this is, quite a few occasions a single
writer appeared at the regulation, and wrote a piece about it.
Then other writers commence applying pieces from that 1st posting and rewriting pieces to
in shape their short article. By the time the info receives widely distributed, the real restrictions and policies get
twisted and distorted, and what essentially shows up in the media from time
to time just doesn’t actually signify the actuality of what the polices say.
There is a lot of misunderstanding about what is going on with
ObamaCare, and one particular of the factors that I have seen in discussions with customers, is that there is an underlying set
of myths that individuals have picked up about health treatment
reform that just usually are not correct. But simply because of all they’ve listened to in the media, people
today believe these myths are basically legitimate.
Currently we are going to communicate about a few myths I
listen to most usually. Not everybody believes these
myths, but enough do, and other people are not sure what to believe, so it warrants dispelling these myths now.
The first a person is that wellness treatment reform only influences
uninsured people today. The second just one is
that Medicare rewards and the Medicare system isn’t
really likely to be influenced by well being treatment reform.
And then the final one is that health care reform is
going to minimize the prices of healthcare.
Overall health Treatment Reform Only Influences Uninsured
Let’s look at the initially fantasy about overall health care reform only affecting uninsured people today.
In a whole lot of the discussions I have with
customers, there are many expressions they use: “I previously have coverage, so I is not going to be impacted by ObamaCare,” or “I will just continue to keep my grandfathered health and fitness insurance policies prepare,”
and the very last one particular – and this one I can give them a minimal little
bit of leeway, mainly because part of what they’re expressing is accurate — is “I have team health coverage, so I would not be affected by health and fitness care reform.”
Very well, the actuality is that wellbeing care reform is actually going to have an impact
on everyone. Starting in 2014, we are going to have a full new set of wellbeing designs, and all those plans
have really loaded benefits with tons of excess
characteristics that the present designs these days don’t give.
So these new options are likely to be increased price
tag.
Health and fitness Treatment Reform’s Result On People With Well being Coverage
People today that presently have wellness coverage are
going to be transitioned into these new plans sometime in 2014.
So the insured will be right affected by this because the wellness programs they have nowadays are going absent, and they
will be mapped into a new ObamaCare strategy in 2014.
Health Treatment Reform Effect On The Uninsured
The uninsured have an added problem in that if they do not get well being insurance in 2014, they encounter a mandate penalty.
Some of the balanced uninsured are likely to look at that penalty and say, “Perfectly, the penalty is one% of my altered gross income I make $50,000, so I will pay a $500 penalty or $1,000 for overall health insurance policies. In that case I’ll just consider the penalty.” But either way,
they will be directly impacted by overall health care reform.
As a result of the mandate it has an effect on the insured as properly as the uninsured.
Well being Care Reform Effect On Folks With Grandfathered Health Ideas
Individuals that have grandfathered wellness insurance
designs are not heading to be directly afflicted by health care reform.
But because of the lifestyle cycle of their grandfathered wellness
strategy, it’s going to make those plans a lot more expensive
as they uncover that there are programs out there now that
they can quickly transfer to that have a richer established of rewards that would be extra valuable
for any long-term health issues they may perhaps have.
For people who stay in all those grandfathered plans, the
pool of subscribers in the prepare are going to start out to shrink, and as that takes place, the value of those grandfathered
well being insurance policies ideas will increase even a lot quicker than they are
now. Consequently, persons in grandfathered wellness strategies will also
be impacted by ObamaCare.
Overall health Treatment Reform Result On People today With Team Well being Insurance policy
The past one particular, the modest team market, is heading to be the most notably impacted
by well being care reform. Even although the wellbeing treatment reform polices predominantly affect substantial
and medium-sized providers, and firms that have 50 or a lot more employees, smaller sized organizations will also be afflicted, even while they’re exempt from ObamaCare itself.
What several surveys and polls are starting to present is that some of the businesses that have ten or fewer personnel are heading to glance
significantly at their alternative to drop health insurance plan coverage completely, and no for a longer period have it as an expenditure of the firm.
Rather, they will have their employees get
health and fitness insurance coverage by means of the wellness
insurance policy exchanges.
In actuality, some of the carriers are now indicating they foresee that up to 50% of small groups with ten or fewer staff are going to drop their wellbeing insurance coverage program someday concerning 2014 and 2016.
That will have a extremely significant result on all people who have
team health insurance, specifically if they’re in just one of those
compact firms that drop wellbeing insurance policies
protection.
It really is not just uninsured that are going to be impacted by well
being care reform, most people is heading to be impacted.
Well being Treatment Reform Will Not Have an impact on Medicare
The following myth was that wellbeing care reform would not have
an effect on Medicare. This a person is sort of amusing because proper from the very get-go, the most noteworthy cuts were
especially concentrating on the Medicare system. When you glance at Medicare’s part
of the general federal, you can see that in 1970, Medicare was four% of the U.S.
federal funds, and by 2011, it had grown to sixteen% of the federal spending budget.
If we appear at it about the last ten decades, from 2002 to 2012, Medicare is
the fastest increasing portion of the significant entitlement plans in the federal authorities, and it is really grown by virtually
70% all through that interval of time.
For the reason that of how massive Medicare is and how quickly it can be increasing, it truly is 1 of the crucial packages that ObamaCare
is seeking to get a cope with on, so it will not bankrupts the U.S.
Medicare is heading to be impacted, and in truth the preliminary
cuts to Medicare have already been established at about $716 billion.
Medicare Edge Cuts And The Consequences
Of that $716 billion slash, the Medicare Advantage plan will get
minimize the most, and will see the bulk of the effects.
What which is heading to do is boost the rates individuals spend for their Medicare Advantage programs, and reduce the added
benefits of these strategies.
Improved Medicare Benefit Charges
Right now, many people pick Medicare Gain plans
simply because they have zero quality. When presented a option on Medicare programs,
they look at it as an simple preference since it is really
a no cost system for them, “Certain, I get Medicare rewards, I don’t spend just about anything for it why not.” Now
they’re heading to see Medicare premiums get started to climb, and go from zero to $70, $eighty, $90, $a hundred.
We’ve previously seen that with some of the Blue Cross Medicare Advantage designs this 12 months.
It truly is going to get even worse as we go ahead in the upcoming.
Reduced Medicare Gain Positive aspects
In order to lessen the high quality raises, what lots
of Medicare Edge designs will do is maximize the copayments, improve the deductibles, and change the co-insurance policies charges.
In purchase to preserve the premiums down, they will just force more of the costs onto
the Medicare Advantage recipients. Elevated rates and diminished added benefits are what we’re likely to see coming in Medicare Gain plan.
Fewer Medicare Doctors
And then if that wasn’t terrible adequate, as Medicare medical practitioners start out obtaining reduced and reduced reimbursements for Medicare Edge folks,
they’re heading to cease having new Medicare Benefit recipients.
We’re going to see the pool of medical doctors to assist people today in Medicare setting up
to shrink as very well, unless of course improvements are built around the program of
the following 5 several years. So Medicare is
going to be influenced, and it is likely to be influenced substantially
by health care reform. Everybody’s sort of on pins and needles, ready to
see what is going to come about there.
Health and fitness Treatment Reform Will
Decrease Healthcare Prices
The past 1, and most likely the greatest fantasy about wellness care reform, is every person pondering that ObamaCare will minimize health care costs.
Which is completely hogwash. Early on in the course of action, when they have been attempting to
appear up with the principles and restrictions, the emphasis and 1 of
the aims for reform was to lower health care expenses.
But somewhere along the line, the aim really shifted
from expense reduction to regulation of the wellbeing insurance policy business.
At the time they built that transition, they pushed
expense reductions to the back again burner. There are some small expense reduction elements in ObamaCare, but the serious emphasis is
on regulating health and fitness insurance policies.
The new designs, for case in point, have significantly richer gains than quite a few strategies
these days: richer advantages implies richer rates.
Well being Treatment Reform Subsidies: Will They Make Options Inexpensive?
A good deal of folks hope, “The subsidies are likely to make wellbeing insurance plans far more economical, would not they?” Sure, in some scenarios the subsidies will support to make the
programs reasonably priced for individuals. But if you make $one far too a lot, the
affordable designs are instantly going to turn out to be very
expensive and can expense 1000’s of dollars a lot more above the system
of a calendar year. Will a subsidy make it inexpensive or not inexpensive is actually
matter to discussion at this position in time.
We are likely to have to really see what the
charges glimpse like for these plans.
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