Time to Rename GOP Health Bill #TrumpDontCare

June 28, 2017

By Karen

Because he doesn’t, never has. Donald Trump has no clue what’s in the Senate’s “Better Care Reconciliation Act.” Ditto the House’s “American Health Care Act.” He never read either bill because this is how he reads, according to Reuters

“Conversations with some officials who have briefed Trump and others who are aware of how he absorbs information portray a president with a short attention span.

He likes single-page memos and visual aids like maps, charts, graphs and photos.

National Security Council officials have strategically included Trump’s name in ‘as many paragraphs as we can because he keeps reading if he’s mentioned,’ according to one source, who relayed conversations he had with NSC officials.”

But that didn’t stop Trump from hosting a celebration in the Rose Garden after the House bill passed, although it faced certain doom in the Senate.

In naming their bill “Better Care,” I assume Republican senators meant they’re taking better care of millionaires like Trump because they’re reducing his taxes while sticking it to the rest of us by letting health care costs spiral beyond reach for the poor or disabled, children, and older people.

God forbid they should ever focus on the real problem — pharmaceutical companies, medical providers, and insurers charging whatever they want to maximize their profit on sickness and death. To address the root cause of this health care disaster would stop those sweet, sweet lobbyist bribes from flowing into lawmakers’ coffers.

The one thing Trump does know about the existing Affordable Care Act (or “Obamacare,” as the GOP likes to disparage it), is that insurers are pulling out of state health insurance exchanges. That’s a fact. But they’re not going bankrupt. They’re just not raking in as much profit as they’d like.

In Trump’s feeble brain, this alone represents “complete disaster” and “melting down,” while he ignores that the law contains provisions people will not give up without a fight, such as no lifetime caps on coverage and not being denied coverage or charged more for pre-existing conditions.

Read how the ACA actually compares to the two Republican bills.

Trump makes his ignorance apparent by never mentioning specifics. During the campaign, he promised “something terrific” that would cover everyone and cost a lot less — without one detail about how he’d do it.

Once in office, he whined that health care is “a lot more complicated” than anybody ever knew. Wrong. Anybody who followed the ACA struggle into existence knew it but TRUMP. Because he didn’t care. It didn’t affect him.

Amazingly, Republicans can’t muster the Senate votes to ram their bill through because a few of them apparently have consciences, so they’re delaying the vote until after the July 4 recess.

Yesterday, Trump ordered, as if they’re his personal serfs, all the Republican senators onto buses to the White House. Spouting nonsense and still showing no idea what he was asking for, Trump just urged them to pass the bill. Watch it here…

http://www.reuters.com/assets/iframe/yovideo?videoId=371976494

The bottom line is #TrumpDontCare about anybody’s health care. He’s exploiting the ignorance of his base on a hot-button issue to cut his own taxes. Then he’ll claim it as a YUGE legislative achievement. It will take some time before the rubes realize Trump betrayed them and they’re worse off than ever.

Democrats, (I’m looking at you, Nancy Pelosi), PLEASE listen to Elizabeth Warren and start pushing for Medicare for All, a single-payer system. It’s the only option left. Channeling premiums now shoveled at health insurers into one government-run system will eliminate most administrative waste. Those savings will pay for actual medical care. A single, strong government entity will have the power to crush the price-gouging of drug companies and medical providers. For-profit health insurance companies will be remembered only as a bad dream we shook off.

It’s a supreme irony that a single-payer system will actually make Trump’s promises of terrific health care for everyone at less cost come true. But I’ll take it anyway.

BONUS: I came across this look at Trump by Carlos Lozada wrote in 2015 after binge-reading eight of Trump’s books. The last line of the piece is particularly revealing about Trump in the White House.


Obama’s “Mission Accomplished” Moment

April 2, 2014

By Karen

After how it haunted George W. Bush, you’d think President Obama would be wary of claiming a premature victory, but no. Those who ignore history are doomed to repeat it.

In spite of myriad obstacles his breathtakingly incompetent administration created (WHY, after the website debacle, does Kathleen Sebelius still have a job?), 7.1 million Americans managed to sign up for health insurance under the Affordable Care Act.

If nothing else, their patience speaks volumes about the dire state of medical care in this country.

And Obama and Biden are gloating. Watch them, if you haven’t just eaten.

Anecdotal evidence is that, in some states, people are getting much-needed medical care with government-subsidized health insurance, and that’s fantastic. But for those of us in states where Republicans worked overtime to sink this law, and who earn just enough to qualify as middle class, there’s no joy in Mudville.

My premiums have gone up, my deductible is still high, and my coverage is no better, except I think the lifetime cap may be gone. But who cares? If I ever get sick enough to test that, I’ll be half-dead anyway.

It’s a matter of time before the horror stories start — and some already have — from people who discover they’ve been duped. They can’t keep their doctor because their policy’s super-narrow network excludes him.

They can’t get medications they need because the policy excludes them.

And they can’t get leading-edge treatments at the facility that offers them because it’s out of network.

Obama gave insurers 4 years to exploit every loophole to their advantage, and they did.

And it’s only a matter of time before we start reading that insurer profits are breaking all previous records. They’ve just been handed 7.1 million more victims customers and a steady stream of government subsidies.

Watching Obama crow about insurance is stomach-turning. He’s thrown us all under the bus to enrich insurers who were already raking in billions in profit that doesn’t buy a penny’s worth of medical care, and he’s delighted.

I can’t tell you how much I hate siding with Republicans on this, but Obama’s “mission” on healthcare is hardly “accomplished,” and he’s going to find out soon enough — unfortunately, at our, and probably the Democrats’, expense.

Universal healthcare, with its economies of scale, is the ONLY way to ensure that the max of what we invest in healthcare actually buys medical care. The system (it’s called Medicare) is already in place. Just expand it to let the rest of us in. If all the premiums we’re squandering on sustaining insurance companies were channeled into it, it would thrive. Exclusions and network constraints would disappear. Employers could end the expense and hassle of insuring workers. Workers wouldn’t be stuck in jobs they hate because of health insurance.

Vermont Senator Bernie Sanders agrees that access to medical care should be a right of all Americans, and he’s introduced the American Health Security Act of 2013 to get us there, which the Affordable Care Act never will.

It deserves a serious look.


If You Like Your Worthless Health Insurance, You Can Keep It

March 5, 2014

By Karen

Obama’s doing such a good job himself of walking back the requirements of his Affordable Care Act, Republicans don’t need to waste any more time trying to repeal it.

Now Obama’s letting people continue to keep policies that don’t meet minimum ACA coverage requirements — possibly for as long as 3 more years. Why? To make it appear he wasn’t lying when he stupidly said, “If you like the insurance you have, you can keep it.”

Here’s the problem with that: Those policies are cheap because they were sold to people who either 1) Think they’ll never get sick, or 2) Didn’t understand how little insurance they were buying.

I’m talking about those hapless schmucks we see on the news occasionally after something catastrophic happens to them and they find themselves bankrupted by medical bills because their el cheapo insurance won’t pay their claims.

Insurers make damn sure their policy documents are so voluminous and opaquely worded that the average consumer needs a Ph.D. in insurance jargon and unlimited time and patience to wade through all the conditions and exclusions.

That’s precisely why insurers need to be kicked out of the healthcare equation in favor of a simpler system. But I digress…

Letting people keep garbage health insurance does them no favors. It just keeps shoveling ill-gotten gains into insurers’ pockets. Between high deductibles and copays and avoidance of the “no-cost” preventive care mandated by the ACA, these premiums must be mostly gravy for insurers because little gets paid out in claims.

On a personal note, Anthem showed me a wisp of mercy to keep me out of the exchange on my March renewal, raising my premium from $392 a month to $413.75, a modest 5.5% increase. But since 2011, they’ve raised my premium 66%.

My policy has a $2,250 deductible, but meets ACA requirements (which Anthem has used to justify hitting me with 15% and 20% yearly hikes since the ACA first passed donkey’s years ago).

I haven’t done 2013 taxes yet, so I don’t know if I can qualify for a subsidized policy on Healthcare.gov. But even if I do, I’m afraid to take advantage of any savings and lose the dubious security of my current policy.

At the lengths he’s taking to protect insurer profits at the cost of people getting better access to medical care, Obama seems poised to pull the rug out from under himself and gut the ACA. That means insurers will once again have free rein to continue raping and pillaging the American healthcare system.

I hate the policy I have, but Obama’s made me afraid not to keep it.


GOP Says: If You Hate the Job You Have, You Should Keep It

February 10, 2014

By Karen

If you wake up every morning wishing you’d died in your sleep because you dread facing another day at your job — but you drag yourself to it anyway because you need the health insurance — Republicans think that’s exactly how you should live.

That’s the message the GOP is crowing loud and clear in their deliberate misreading from the CBO report that the Affordable Care Act will cut 2.5 million jobs over 10 years. They’re slavering at the prospect of employers tossing several million more workers into the gutter.

They’re thrilled to claim that Obamacare will trample the little guy, yet hypocritical enough to label it a bad thing, as if their own raison d’être isn’t to destroy the 99% in the name of further enriching the 1%.

Unfortunately, what’s they’re saying is all lies.

The CBO report actually says…

CBO estimates that the ACA will reduce the total number of hours worked, on net, by about 1.5 percent to 2.0 percent during the period from 2017 to 2024, almost entirely because workers will choose to supply less labor.

People will cut back on hours, retire early, or start their own businesses because THEY DON’T HAVE TO WORRY ABOUT LOSING THEIR HEALTH INSURANCE.

Lack of portability is one of the most corrosive aspects of our healthcare system. Just for insurance benefits, companies have people on the payroll just going through the motions of jobs they hate. Have you ever gotten no help whatsoever from a so-called “customer service” rep? Yeah, that’s who I’m talking about.

Those miserable souls who are nothing more than deadwood on the payroll, contributors to workplace dysfunction, can now move on and be happy.

This one bona fide silver lining in the Obamacare mess has the GOP wallowing in a La-La Land fantasy of the death of the American workplace as we know it.

Just read John Boehner, Paul Ryan, and Orrin Hatch all being quoted by Fox News. You can almost feel them drooling.

The bottom line is that employers never should have put themselves in control of anybody’s health insurance in the first place. Being employed and getting medical care should be mutually exclusive.

But hindsight is 20/20.

For all its many flaws, the ACA is taking the country in the right direction in breaking the link between healthcare and employment — for those who can get decent policies for a reasonable price on the exchanges.


Health Insurance Rip-Off Saga Continues

December 31, 2007

By Karen

After my health insurer hit me with an unconscionable 18% rate hike for 2008, I asked my agent to explore alternatives. Going into this, I knew I’d end up with less coverage. My agent believed that staying with the same company and simply switching to one of their lousier plans could be accomplished with minimal hassle.

That sounded good to me. After all, my present policy, which is considered “really good,” might as well be a lousy policy. This insurer denies claims so I never meet my $750 deductible. In addition to collecting their premium, which is reaching mortgage-size proportions, they stick me with the bulk of all my routine healthcare expenses.

We found a plan for about $110 a month less that’s quite up-front about sticking me with the out-of-pocket bills. What’s weird about it is that the dental portion is TRIPLE what I pay now ($27 a month vs. $9). But what the heck, I’d still save $1,320 a year. Where do I sign?

Not so fast! Today I found out I must “go through underwriting” again. Like I just walked in off the street.

Like they don’t already have a file on me dating back to 1992. (They required 10 years of medical history when I first applied in 2002). Like they don’t have a stack of “Explanations of Benefits” denying some payment on every doctor visit I’ve had since.

They want ANOTHER nine-page application. WHY???!!!

It’s one way they keep the cost of insurance sky-high and discourage all but the heartiest (those with the highest genetic tolerance for bullshit paperwork) out of the risk pool. It’s a significant operating expense to pay underwriters to scrutinize a person’s multiple applications for inconsistencies or omissions. The objective is to find some tiny reason to decline coverage altogether or to bump us into higher risk brackets so we’ll continue paying through the nose for less and less insurance.

This fight has just begun. Stay tuned…


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