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A panel of judges has ruled that subsidies are no longer legal. For millions of Americans, this means they will immediately be slapped with charges up to $800 a month for what many are paying under a hundred…

They will drop their insurance out of necessity, or will be dropped for non-payment.

Republicans are celebrating this…

When the law was written in 2010 it was assumed that all states would do their own exchanges. In states that are doing their own exchanges, there will be no change. That is what the law says and as Republicans say: the law is law….

But for states like Delaware which rightly decided that the Federal exchange would be cheaper for its citizens because of the larger pool, that line in the law was never changed…. It says “state exchanges”… (Remember the law is alleged to be some 15,000 pages long, and is still, believe it or not, something I have not yet read….)

But in one line the word “state” is indeed there and that, according to this particular court, means that it is illegal for the federal exchanges to be subsidized… I have looked, and at this early moment just hours after the decision, there is no confirmation (just estimates) on how many insured that will affect…..

But to all you who were insured in the Federal exchange? Guess what? You got no Obama care….

Kaiser-State-Exchange-Map
Map courtesy of Kaiser

To hear the far extremist right saying “ha, ha, ha, suffer bitches” you can go here or here

Now…

On this same day, another Federal court in the same city, decided this was indeed legal. There were two cases before two different conservative courts, and we got two opposite decisions. It now goes up the next step and will probably hit the Supreme Court. Which should mean that IF insurance companies are willing, the Obamacare program can continue as is until struck down… But as we saw with Obamacare last November, when it comes to making money, private insurance companies are ruthless and lack heart…

Second… to fix this, all we need is a bill put forth, worded like this…. A bill: To amend the ACA Healthcare law by removing the word “state” and inserting “all or any”…..

That will happen in the Senate, but will never happen in the House…. Which is why, in whatever state you read this, you must get Democrats into your Congressional seat… IF you succeed, or if ENOUGH of you succeed, your insurance can and will continue… You will continue to be insured.

Remember it is just one stupid word so don’t be bulldozed by smart-assed Republicans gloating over the “rule of law” .,… (They don’t honor rule of law when it applies to one of their favored corporations….) It can easily be changed… but it must require people sympathetic to Obamacare for it to get passed….. Only Democrats can guarantee you your insurance will continue… Only Democrats.

You must, must make your vote count this November; you must make your friends, neighbors, church goers go to the polls in your behalf; unfriend them if necessary, bitches….. Your entire future depends on this one vote… Seriously, you could be dead next year thanks to your … Republican friends….

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States With Death Panels
Courtesy of Kaiser Foundation

Should you live or die from an accident or life threatening illness? Depends apparently on where you live… If you live in the Blue, you survive. If you live in the Orange, goodbye… Simple, clear, concise.

Served to you courtesy of ALEC and the Republican Party of the United States of America

There is a reason the opponents of Obama care are racing the clock to defund it before October 1st. They know how popular it will become to the American people.

I just looked and Delaware does not have their worksheets up yet, but in the state offices, things are looking rather rosy for the citizens of Delaware… Most of you will save thousands per year on medical bills.  Not all, but most..  Looking at the voting trends,  those who vote often, will all save money with insurance.

Other states do have their insurance options up and I have been looking through them.  The general trend is thusly.  If you are young, you are going to incur an expense you have not had to yet pay. Sorry.  That will come with sticker shock, as does a new car, as does your first house.  However, it should allow you the confidence to get checked out sooner, and therefore live healthier in your golden years than you otherwise would today if you had to pay full expense for care.

Hopefully, since you have to pay for it anyway, you will take advantage of it.

But you! Oh you! Who are old?  Who have pre-existing conditions?  Who have suffered with poor coverage for so long?  You are going to love what this does.  You will be able to figure out medical costs to the penny across your future years with your financial planning advisor, no matter what happens to your body.  The costs will be fixed, and a lot cheaper than you paying through the nose upon each occurrence.

One can describe it as buying a warranty.  What, the initial questioners ask?  You want me to pay money to this shop each month even  when nothing happens?  Yes and if something happens you get your car fixed for free.   Some gripe about losing $150 a month, until they see their first bill at a hospital would have cost them $5,000…. Then … they finally understand.

And you with families?  Especially you who have not taken your kids to a doctor because you couldn’t afford it?   You’re kids can now go…

So yes, those with money to lose will spend it all on ads telling you horror stories and capitalizing on one or two exceptions they make up as to who will pay more…

but just wait till October 1st, when you see that you start saving thousands…  EVERY SINGLE YEAR!

Then remember the Republican party tried to run the economy over a cliff, twice, to stop these savings from coming to you…..

October 1st, it is almost here.  About time for the pirated version to be leaked,  don’t you think?

August 18, 2015

Today, in a domino tumbling of bad news for Delawareans, it was announced that Christiana Care would be leaving the state. The local medical facilities and clinics would go up for sale. In hours, AI Dupont announce it was leaving all health care organizations, and would only take privately funded patients. One hour later, BayHealth announced it was closing Kent General and Milford Memorial…

All cited Highmark as the reason. Highmark announced their plan to pay insurance claims only to their own doctors and hospitals. This freezes out all others, since most patients do not have an option but to take the employer’s offered medical plan. Since the first of August, over 90% of Delawareans have switched to Highmark.

This action was originally allowed in Delaware by Karen Weldin Stewart, the insurance commissioner in 2012 and was subsequently supported by ALEC legislator Patty Blevins currently head of the Senate… Neither could be reached for comment. Both are vacationing in the Grand Cayman Islands.

The medical profession is falling apart.  Hospitals, insurance, clinics, are all taking your money, and spending it on themselves, not you.  In an age when middle America is biting bullets, those in charge of Medicine are getting rich.   Steve just put up where Hallmark is denying insurance payments to those in its own clinic, then applying their credit card used for the co-pay, to soak up the total amount of the bill.

People are finding their bank balances zero, at very inopportune times.

When we grew up, doctors were decent people. Now all they want is $$$$.  They don’t help people anymore.  It is time to change that.  It is past time to change that.

Competition.  That is how.  Doctors who work on the cheap.  Of, if you want, you can keep your high priced physician, who does nothing but talk to you for 5 minutes, have a prescription called in for you, and for that take a full day’s wages out of your pocket.

Imagine getting medical attention for $5?  Here is how.

We hire the smartest college graduates from the finest schools.  These are smart people. Once hired, we take them away to a retreat, and give them a 5 week program grounded in everything medical.  Everyone has been to a doctors office.  How hard can it be?  In that five week course, they learn everything a doctor needs to know.  WE then put them in clinics across the inner cities, areas where it is hard to staff, so people can get medical coverage for $5 dollars a visit.  One can imagine how busy they would be!

These are very smart people.  They can figure out the rest as they go along.  Who really needs to know the name of every bone?  The names of every muscle?  How the digestive system works.  Does it really matter if you can’t remember whether the large intestine comes before or after the small intestine?   If one can’t remember, just stick your fingers up (wear gloves of course) and find out.

The problem is all those doctors who went to expensive medical school, and over charge because of it.  Being a doctor is so simple, even a cave man can do it.  The reason medical costs are so high, is because of medical boards that set pricing.

This program will get around that, by hiring college students at normal college student wages, and put them in clinics charging $5 a pop…

One would think insurers would prefer paying out $5 instead of $500!  They will be on board.  KWS will make sure of that. And one of the greatest things about this program, is that when incompetent existing doctors throw in their towel, or get banned by their customer’s test scores, we have a whole crop of ready-to-go doctors who can jump into to any practice at a moment’s notice.

Just give them a medical book, and we have cheap, quality health-care. After all, they are very smart people you know.

This is not medieval England.  Today, anyone can be a doctor.  you just type the symptoms into Google, and write the perscription it spits out.  We don’t need four years of  medical school on top of our undergraduate program.  We need people who jump in, and Heal for America.

Really.  They are just doctors.  We’ve all been to doctor’s offices.  How hard could it be?   Competent medical care on the cheap!..   “‘Tis a consummation devoutly to be wished!”   Just think of all those lazy investors crying crocodile tears because they can’t rip us off anymore!   I mean 5 weeks is enough to learn about everything.  Even 6 weeks study is too much.

Our medical profession needs kicked.  We can’t delay any more this concept’s implementation.

All four postal unions sent a joint letter to Senate Majority Harry Reid on Aug. 5 expressing “utter dismay” at the introduction of S. 1486, the postal bill co-sponsored by Sen. Tom Carper (D-DE) and Sen. Tom Coburn (R-OK), the chair and ranking member of the Senate Homeland Security and Governmental Affairs Committee.

The bill continues the disastrous policy of mandating massive pre-funding of retiree health benefits and provides for major downsizing measures to pay for it, the letter notes.

In case you haven’t followed, Congress requires the Post Office to make inordinately huge pension-plan payments, for reasons which nobody can really understand.   In the final analysis, USPS pensions are a government obligation, and it doesn’t make a huge amount of difference whether they come out of a) a well-funded pension plan, b) a badly-funded pension plan, or c) just out of US government revenues.

A 2006 Congressional mandate requires the agency to “pre-pay” into a fund that covers health care costs for future retired employees. Under the mandate, the USPS is required to make an annual $5.5 billion payment each year for over ten years, through 2016. These “prepayments” are largely responsible for the USPS’s financial losses.

No other business prepays for all employee’s actual medical hospital bills 20 years from now when they retire… It’s crazy actually. Lets assume you will be in a nursing home at $120,000 a year and you will (let’s be nice), live 10 years… Therefore it will cost you $1.200,000. So, assuming you are currently 53, giving you 12 more years of work left, we would take $100,000 of your income every year for the next 12 years….

Think you’d go broke? Do you know any business that assesses themselves so harshly? Of course not. No one would assess themselves that harshly. But Congress did assess the postal service that harshly. Congress forced this huge payment, which takes money out of running the business to be sure, just like you losing $100,000 a year takes money out of you.

Obviously the unions are upset. For to be able to make the payments on these huge pre-payments, they are cutting people’s pensions and benefits to pay for it. Imagine working 40 years and retiring tomorrow with no pension, so those retiring in 20 years hence, will be fully funded? They ave a right to be mad.

Here is what Senator Tom Carper proposed.

  • Destroy 80,000 full- and part-time jobs after a one-year delay, by eliminating Saturday mail delivery and give the Postmaster General authority to eliminate additional delivery days in the future;
  • Slash tens of thousands of additional jobs after a two-year delay, by allowing USPS to reduce delivery standards and close hundreds of mail processing facilities and thousands of post offices;
  • Mandate the elimination of door-to-door delivery, threatening at least 16,500 additional jobs, and
  • Impose “cruel and discriminatory” changes to the Workers Compensation program that would leave injured federal workers vulnerable to impoverishment when they reach Social Security retirement age.

“This massive downsizing and the bill’s assault on postal employee benefits are not necessary,” the letter says. “They are being driven by the irrational retiree health financing policy that no other business or agency would adopt. The Postal Service has already pre-funded decades of retiree health premiums, more than any other enterprise in America. Indeed, USPS has already set aside an estimated $49 billion for such premiums, approximately 50 percent of total expected costs over the next 90+ years.”

Do you think they’re a little bit angry?  Do you think they’re a little bit justified?

“The 30 members of the Senate who have co-sponsored S. 316, the Postal Service Protection Act of 2013, have taken the right approach. That bill (Bernie Sanders )would strengthen the Postal Service, promote innovation and, most importantly, resolve the retiree health and pension policies that have crippled the Postal Service in recent years,” it says.

Bernie Saunders bill is aimed at promoting the prosperity of the Post Office, as well as those who work for it.  Tom Carper’s bill, which insists on imposing the $5.5 billion penalty, is aimed at promoting the prosperity of financiers and banks.  After all, who do you think, gets commissions investing off that $5.5 billion?

Banks = Delaware = Carper

That is why a Senator from little ole Delaware is in the heart of kicking  down the US Post Office.    Makes more sense now, doesn’t it?

 

Courtesy of Western Pennsylvania Healthcare News

I haven’t been paying attention.  Thank Goodness Steve has.

“Blah, blah, blah Obamacare”. say Republicans.  I say “Get over it.”   This day the House is going to vote on Michelle Bachman’s  House Bill Number One, to completely abolish Obamacare…..

Of course it is ridiculous.  And if the entire Republican contingent votes to undo it, the entire Republican contingent as I have said all along and most of America agrees, is ridiculous…. The best thing Republicans can do for their party is censure Michelle Bachman by having this bill go down to inglorious defeat….  Because this will bludgeon them in 2014.

My title said “Cherries”… So here is the cherry… an account from someone upon getting insurance for the first time… and reflecting upon how it feels…

“Financially, I’d be maybe $100 a month poorer [without coverage]. I would not be monitoring my blood sugar. I would not be paying as much attention to my cholesterol. I probably would have lost some weight but I don’t think I would have lost so much, and I don’t know if I would have been so good at keeping it off. I’d be much more anxious about what could go wrong. […]

And there’s something about just feeling like you’re part of regular life. There’s a lot of emphasis on how everyone should be healthy and everyone should live longer, and you don’t want to be a burden on society. If you don’t have medical insurance, you’re kind of not part of that. It’s hard to explain, but there’s an element of participating in society that being able to go to the doctor gives you. Everybody always asks everyone how you’re doing, and to be able say “My doctor says I’m doing really well,” that’s nice, instead of being in a group of people and saying, “Well, I don’t really go to doctors.”

Obamacare is good. People want it.  We need it badly. We have it. No one is going to take anything away from the American People that they want without losing the fight….

Partisan Politics Above The Nation’s Good... That banner hangs in the RNC’s Washington DC Lobby…. and is the first thing one sees upon stepping in….

Insurance Rates Soar
Courtesy of FRED

This shows a problem and why blaming each other is a distraction being fanned by the core of the problem itself.

The personal part of insurance rates have gone up, and employees are yelling: what do you mean I have to pay more… I’m paying double already!

The corporations are telling their employees. We can’t afford to take up more of your insurance rates! We’re paying double already….

The big answer is why?

When George W. Bush ran for president, the following groups funded over 90% of his campaign.

Insurance Companies.

Medical Corporations and hospital chains

Energy Corporations.

We know what happened to energy during his two terms. We just learned what happened to medical and insurance that same time frame.

Obviously the extra money is going into the Medical Corporations provided insurance companies are cutting checks for an excessive number of claims over what it did in 2000, or into the insurance exec’s pockets, if they are not….

As a grand experiment, Delaware should allow anyone to buy into its Medicare option as an option for meeting the required claim to have Medical Insurance.

The graph simply shows why.

If you gotten any mail from your homeowners or business insurance pull it out now.  Go to usually the third from the last page and look for flood damage.  Often like bills flowing through the House or Senate, these policies simply tell you to  “delete these words” and “substitute these words’.  Unless you have an old policy to cross reference, you probably do not know  where you stand. Your friendly Democratic reminder.  These were put in place by Republicansand were buttressed against the Democratic assault to change them, by the Tea Party…   Their motto:  Private companies Know Best, won the day. Here is what to look for.

  • Homeowners’ insurance typically doesn’t cover floods; do you have a flood insurance rider?
  • Check the definition of “flood”.  Does it cover  storm surge, burst pipes, water seepage, and basements filling up with water?
  • Look for “anti-concurrent causation“;  does your insurance policy cover simultaneous events? From both wind AND water?
  • How much will your insurance pay?  Renew like new? To make it livable? Or to offer “some” financial assistance.
  • How high is your deductible.  When you bought, it was 50 dollars.  Today claimants are discovering it is $10,000…..
  • Does your coverage only cover hurricanes?  Sandy was only classified as  a depression when over Delaware.

That is what those who have private insurance through Bain Capital invested companies are discovering today….  Those fortunate to be in a Federal Disaster Area, have access to complete coverage through interestingly FEMA (the Federal Emergency Management Agency) which does provide insurance through NFIP (the National Flood Insurance Program). Romney said get rid of FEMA and give it to the states, or even better to private insurance companies…. which he owns, of course…. Bottom line, check your policies and if you see any Republican in your daily travels,   tell them STFU….