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.

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Buh-Bye, Sebelius

April 11, 2014

By Karen

Sometimes wishes do come true. Kathleen Sebelius, who personified ineptness in implementing the Affordable Care Act, is out. Obama actually had the nerve to lament that he’ll miss her “advice.”

And House Minority Leader Nancy Pelosi called Sebelius a “forceful, effective, and essential” secretary.

Have they both been in a coma?

It’s regrettable that Sebelius was allowed to resign rather than get the boot to the backside she so richly deserved. But Obama seems eager to forget that on her watch, Healthcare.gov not only ran over budget by hundreds of millions of dollars, but the result was such a pathetic mess that it almost sank the whole initiative, it brought disgrace on the White House, and gave Republicans reason to dance with delight.

But, whatever. Good riddance. She’s gone.

Then Obama immediately taps Sylvia Burwell, his budget person, to replace Sebelius, calling her a “proven manager,” whatever the hell that means.

Burwell’s background shows no indication she’ll have any more ability than Sebelius to deal with what’s looming next for Obamacare — that people are going to find out they’re paying for insurance AND a lot of the medical bills they thought it would cover, and that it’s probably going to cost them a lot more next year.

According to the AP, when she wasn’t a budget bureaucrat, Burwell “served as president of Wal-Mart’s charitable arm and led the global development program at the Bill and Melinda Gates Foundation.”

She may know something about nonprofits and worldwide health issues, but that doesn’t sound like squat when it comes to outsmarting greedy American insurance companies, which is what the administration has so far failed to do, except for eliminating lifetime caps and pre-existing condition exclusions.

I’d be willing to bet Burwell won’t have a good grasp on how the IT infrastructure that supports Healthcare.gov is supposed to work, either.

Like most CEOs, Obama’s probably thinks the agency’s head honcho doesn’t need to know the nitty-gritty. Like Sebelius, she’ll rely on “people” to handle the details.

Because that worked so well before.

Obama seems to be hanging his hat on the fact Burwell’s unanimous Senate approval for her current job now qualifies her to take on ANY position he cares to toss her in to.

And once again, he shows us he STILL doesn’t get the seriousness of this situation and the lives it has the power to ruin — financially and medically.

The hasty appointing of Burwell to steer us through the looming insurance quagmire Obama’s created reminds me of his feckless selection of big campaign donors to be ambassadors to countries they’ve never visited and know nothing about.

The insurance companies must be thrilled with this development.


ACA’s Unintended Consequence for Individuals

April 7, 2014

By Karen

Remember that Anthem individual health insurance policy I was afraid to give up for Obamacare? Good thing I kept it, because I couldn’t buy anything like it today.

The ACA doesn’t prohibit insurers from selling individual policies year-round, but its coverage requirements are causing insurers to stop selling ANY policies outside the government’s “open enrollment” window, which is closed from March 31 – November 15.

Because they are now prohibited from excluding pre-existing conditions, insurers fear that uninsured people who get sick will buy a policy to pay claims through the crisis, then drop it once they recover.

In essence, if an insurer can’t sell you a policy that won’t pay a penny on whatever you need the policy for, it doesn’t want you as a customer.

You may still be able to find a temporary policy that excludes pre-existing conditions, but under the ACA, you’d still be considered “uninsured” and subject to paying the tax penalty. So you’re screwed on all fronts.

From my perspective as a person self-employed for 12 years, if I were to lose my current insurance for any reason, the only way I could get new coverage would be to throw in the towel and go work for a company that offers health benefits.

And I’m pushing 60 in a job market that’s still tight as a tick (no matter what rosy stats DC spews about “job recovery”), so rotsa ruck with that.

This is yet ANOTHER reason why giving insurance companies an integral role in reforming healthcare was a colossal blunder — and the law has only made their behavior worse.

Now, people who could afford to pay a fortune for individual insurance outside the exchange can’t even buy it.

That’s why Obama’s screwball insurance mandate needs to be replaced by a single-payer system that covers everybody, every day.


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.


Happy Freaking New Year, Obama

December 31, 2013

By Karen

I may have voted for him twice, and his family recently sent me a lovely Christmas card, but I have come to loathe President Obama. Since I got onto Healthcare.gov to check out the possibilities for insurance, I’ve been unable to bring myself to look at or listen to that man.

And just when I thought he couldn’t get any worse, he jabbed a thumb in our eye by “buying” some token bronze policy for himself.

Let’s be clear: Obama didn’t personally deal with Healthcare.gov. He had people for that. And they claim he personally picked the plan, and intends to pay for it himself.

How ducky. His lousy little policy will never be tested because he’s got government medical care.

Meanwhile, I await word on how high my current Anthem policy (which is grandfathered, so “I can keep it” even though I’ve never liked it) will go when it renews March 1.

Everything I see on Healthcare.gov is even worse — higher premiums, higher deductibles, no dental — as incredible as that may seem, if you’ve soaked in any of Obama’s lies about how great the plans are.

To compare apples to apples: My current policy is $392 a month, with a $2,250 deductible and dental.

On the site, Anthem offers a silver HMO with a $2,250 deductible and NO dental for $534.

That’s why I’m sweating.

And now the Obama folks are crowing because more than a million people think they managed to overcome all website-inflicted obstacles and buy insurance.

Many of them are THRILLED they got premium subsidies. These trusting souls haven’t had insurance in YEARS, and have no idea what’s coming when the other shoe drops.

And it will.

Just wait until they finally see a doctor and the bills start rolling in because they’re on the hook to cover a $6,300 annual deductible before insurance pays a penny. That’s the cheapest ($342/month) bronze Virginia plan.

Obama graciously gave insurers nearly 4 years to plot how to thwart the ACA’s intent, and they’ll use sky-high deductibles to deny claims willy-nilly on all those “affordable” plans.

We’ll soon see people with shiny new Obamacare crying the blues because Obama & Sebelius utterly FAILED to inform them that Job One is for us to keep insurers profitable, while insurers take as much of our money as they can and provide NOTHING in return.

An excellent (albeit annoying) video called cureALL recently came out to explain the reality of health insurance to young people — as Obama should have done, if he were honest. It concludes by advocating single payer as the ultimate solution, through the bill HR 676, which I was pushing back in 2008.

I hope young people get the message and let insurers and Obama swing in the breeze by refusing to play the game. I hope they can finally make Congress get serious about HR 676.

At this point, it’s our only hope.


ACA Probably Not Affordable – But Who Knows?

October 24, 2013

By Karen

I’ve been writing about the ongoing agony of being individually insured by Anthem for years now, so I should follow up with my 2 cents on the debacle called the Affordable Care Act.

I’m not surprised that we couldn’t get a working website after 4 years. Government bureaucrats are good at discussing problems, never solving them.

Virginia’s Republican governor, Bob McDonnell, is among those who turned his back on any responsibility to help citizens get health insurance in favor of the federal exchange.

I first tried to log on to healthcare.gov Oct. 4 and couldn’t get in. I tried again Oct. 23 and it seemed to work better. I didn’t have to create an account to browse the plans — for all the good that did.

Apparently, the quoted premiums are garbage unless you’re exactly 20 or 50, so I accomplished nothing but to upset myself.

Currently, my Anthem policy has an 80/20 split, a $2,500 annual deductible, and includes dental. I pay $392 a month.

Anthem has been cheerily reminding me that I’m “grandfathered” in and can keep this plan. Since it’s outside the exchange, I suspect that means Anthem can continue to stick it to me good with rate hikes, so they don’t want me defecting to the exchange.

I learned that my 80/20 plan is considered “gold” on the exchange. A silver 70/30 plan without dental runs a 50-year-old roughly what I pay now. So, at 59, I assume my coverage will be considerably higher.

I suspect I’m royally screwed no matter what, but I’ll get my insurance agent to confirm that later in November. Hopefully, by then there will be accurate pricing available SOMEWHERE.

It’s exactly as I’ve predicted. With insurance company profits still a factor, and Republicans offering NO alternative but to go backward, it’s going to take more employers dropping health insurance as a benefit, and more Americans going broke trying to pay for insurance before we get serious about single-payer.

Amazing, I find myself agreeing with Ken “Cuckoo” Cuccinelli, our Republican attorney general who wants McDonnell’s job as governor this year. We both think Kathleen Sebelius needs to go.

Her utter inability on The Daily Show with Jon Stewart Oct. 7 to make a clear, compelling case for the ACA, or to give the slightest reassurance it’s going to get better, was shocking.

Lady, you’ve had FOUR YEARS!!

Where was she while the cost of that catastrophic mess of a website TRIPLED and went into the pockets of Canadian software developers? How many hundreds of millions must be squandered to get it right now?

Obama should kick asses and hand out pink slips. Everyone responsible for this disaster deserves to lose their cushy government healthcare and end up on the exchange they couldn’t set up.


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