Tag Archives: health insurance

Health Care Crisis

Here’s a letter I just sent my Congressman (my senators are useless). If you feel the same way, feel free to use parts of it as needed.

Dear Sir:

First of all, thank you for voting to release the Epstein files. These survivors were not molested by Republicans or Democrats, but by rich, entitled men (and Ms. Maxwell) who have been accustomed to having a lifetime of transgressions swept under the rug. It’s nice to know that there is some common ground inside the Beltway.

That said, I know that President Trump hates “Obamacare” and wants to kill any idea that particular president put forth. My answer? Fix it, don’t kill it.

[Insert personal – fact-based and apolitical – reason why this issue is important to you and your family. I used availability and affordability, plus loss in a poor county of both Medicaid and SNAP which are relied upon heavily here, that my husband and I will make it through but many here won’t, and that when housing and food are issues one $2K check from the government is not going to go to preventive health care.]

You know these people depend on you. The vast majority of them voted for you. Please don’t leave them behind.

Finding fixes to the ACA or a full-scale replacement requires time, dedication and honest conversations across the aisle. Unless and until Congress is willing to do that, please extend the subsidies. The ACA was years in the making and required a sustained, concerted effort by many talented government folks. A quick fix in terms of a $2K check would be an insult to the people who depend on you and your colleagues to do the best for us, the citizens of the great state of Texas.

Thank you.

Respectfully,

The “Haves,” Well, Just “Have”

In certain civilized nations, people just have health insurance. From the moment they’re born, they have health insurance, which means that the mother, who just gave birth, delivered this baby under health insurance. Amazing. For a long time I thought it normal that Anericans had their health insurance tied to their job.

Members of Congress used to be part of the Federal Employee Health Benefit Program (FEHBP) which was quite generous, more so than the current gold-level “Obamacare” they have now and would revert to if they were able to ban the ACA for their own purposes. Regardless, we pay for 72% of their premiums. Plus they get free or low-cost care from the Office of the Attending Physician and free care at any military outpatient facility in the Washington D.C. area. We don’t get any of that.

When Sen. Joni Ernst tells us that we’re all going to die, she means that she won’t die until she’s ninety or so, while it’s OK for the rest of us suckers and losers to die in childbirth, from a congenital disease or the measles as a child, a freak accident in our twenties, or a sudden heart attack in our forties. That’s ok, life’s just a roll of the dice unless you’re rich or in Congress (or both, as if often the case).

Other elected officials tell us that we have to “justify ouselves” in order to get health insurance. or “it’s up to us” to keep our Medicaid health insurance. A few years ago, before I reached retirement age, one piece of advice was incredibly cruel, that senior citizens are “a waste of food.” During COVID some politicians wanted seniors to just die because we were going to anyway. They called it ‘herd immunity” and of course seniors and poor folk, first to go, what a shame Grandma’s gone.

Some of our evengelical brethren will do anything to bring a fetus into the world, then don’t give a hoot if a home, food, or healthcare await to enable the resulting baby to survive in the world. What kind of Christianity is that? This so-called beautiful bill wants to reward mothers for having children but its authors have no idea of what it costs for a normal hospital birth, much less a caesarean or birth under less than ideal conditions such as a preemie. Forget the costs of car seats, strollers, food, clothing and, gulp, college.

But Congress and the president aren’t cutting health care for anyone in this beautiful bill, correct? They’re just going to flood Medicaid recipients with enough complicated forms that no normal person could possibly fill out and keep to new, unreasonable deadlines. Then it’s our fault if we get kicked off and miraculously save the government $900 million. No blame here but for us voters.

The $500 billion that will automatically be cut from Medicare the moment this bill is signed into law? That wasn’t in the bill. It’s in the PAYGO trip wire that the bill is causing to our debt level. So Congress isn’t cutting anything, really, it’s just up to us to figure out their new byzantine system. Imagine what Stephen Miller can envision now that Elon Musk has skipped town with his wife in tow. What, he has more time on his hands and can punish all of us to make up for his pain. Think kids in cages was bad? Imagine what’s next.

Please write your Senators and Representatives about this awful bill. You can look them up by googling who’s my representative and putting in your zip code. It’s that easy. Just say why health insurance is important to you and your family. Perhaps mention that the 2017 tax cut for the rich isn’t a priority for you and reducing the deficit is, without hurting poor people’s health and keeping food stamps from hungry kids. And while you’re at it, ask them to cut the part about the federal judiciary. Judges don’t have an army, but they need to be able to penalize for non-compliance with their orders otherwise why have a judiciary at all? Please take time out from the joys of watching the Trump/Musk slug-fest and write a letter. Thanks, Dee

Knowing

Sometimes, with age comes wisdom, one might know what’s coming around that next bend in the road.

For me, my body has tried to hurt, if not kill me, about every five to ten years. I believe I’ve turned the corner this time with a great doctor who doesn’t believe in my theory of my current health issue. As long as I’m getting better, I’m OK with that.

Companies nowadays have no paperwork for health care decisions. They give a strict deadline, emphasis intended, that provides no data on options, no plan data, no fancy multi-colored paper guides (they’re saved for new hires) and even no preferred provider information. They they give a strict deadline and you have to sit down and look at the options without any information as to what you did online last year and choose, blind.

The terms you are choosing are health insurance, accidental death and dismemberment, life insurance, short-term and long-term disability et al. There is no assistance available, no plans to read and one makes a decision based on a template the employer chooses with a very brief window in which to respond.

Talk about reminding an employee and family that death is around the corner. To employers, make it easy for employees to know their choices. Also, allow confirmed spouses access to the database. Above all, if one chooses an HSA please allow them to use it to bring down their deductible. Some people never even get cards to use their own saved money for doctor visits or prescriptions.

We’re stuck in this healthcare program and who knows what money we have in it, only that we can’t use it so pay in to a program that is tax-free and currently must pay medical expenses out-of-pocket after our money is taxed. Go figure.

Anything would be better than this non-plan. This year I’ll look into healthcare marketplaces and see if one works for us until the deadline is upon us once again. In the meantime I will write the President and members of Congress. Dee

Insurance Bites Back

Thanks, Koch brothers. You’ve let me know decades later what the insurance companies have been doing to customers for decades.

It’s not about insurance, it’s about investing, making money and denying claims. They have always been against being regulated by Congress (like the banks) and have spent billions going state by state so that you can stop a process that will actually insure Americans and make sure Americans pay them for it.

They’ve had to hire more lobbyists and deal with different state infrastructures (I worked for one state in insurance for the Speaker of the Assembly) so all so the Tea Partiers can go state by state and denigrate a law that was passed to help all Americans. Americans against affordable healthcare with no pre-existing conditions.

Conservative states are going to deny coverage. There goes the South and Rick Perry of Texas who wants to be president but this will topple the castle. The Supreme Court now voted that voter discrimination is OK there as well. Isn’t that a party in a teacup.

I don’t know who is on the Ted Cruz for Prez bandwagon but it’s not me. I think he’s the next Newt but that’s about it. He can end up at a college 25 years from now teaching his politics. I think he’s the debutante at the ball that shined for a moment until potential suitors decided he’s too brash and not too smart and is way too big for his britches. And he’s a freshman, for heaven’s sake! Lincoln could have done it. Cruz cannot.

To the insurance companies of the USA, stop this folly. Elderly and poor people in our country are going to get and pay for health insurance. That’s the way it’s going to be. Get used to it.

For the tea partiers, enjoy spending millions going state by state. Remember what I used to write in my insurance bill reports: Offer Well Babies insurance for a fee? Will Increase Premiums. That was the standard insurance company line.

That’s, sadly where we are today 30 years later. Affordable care. Give it a chance. Dee

Our Great Nation

three months at a time. Note the debt limit vote. It is only to force other issues that certain elected officials deem more worthy to defend than the country and their own voters.

It is time to end brinksmanship and politics and remember that you, Congress, are representatives of the people of the United States of America.

Politics is particularly ugly these days, which is why I got out of it over two decades ago. I was a policy wonk and hate this stuff.

Congress is hurting federal workers and the American people so they can deny us health care. I had a scare this past week, thinking I may lose my limbs and internal organs and die.

Luckily my husband has health insurance. For now. All I could think of was what would happen to my husband (and dog, of course) if I died. That is what people think about as they wait four days for test results.

Does Congress really want to end health care? You’re on a platinum plan for life so you don’t know that in a layoff we mere mortals have to go on COBRA that costs over 1K per month and if one has no income we’re not making anything because there’s no job so let it go.

Do you know the show Undercover Boss? I ask Congress-people to go to another’s district and pose as a worker and see how you feel at the end of the day. Both parties, please. Let’s do this after the Mexican standoff.

I believe in our country and its foundations, and also think things have gone awry. We pay to live in a nice place but today we’re on the news with a missing person and police are everywhere. How did we go so wrong? Dee

Lifeboat

OK, only 535 of us can get elected to the House and Senate to get premier health insurance for life. But as the US’s Titanic sinks we’ll make sure you get on shore safely and with health insurance and be able to buy a stamp (if they’re still available) or get your Social Security check to pay the rent because you had to sell the house because our money went to save banks and insurance and not homeowners and they spent it all on themselves.

Years ago I was told I could not be a member of the local park and recreation board because I was outside the district. I was not because a local zealot wanted to be be a big fish in a small pond so changed our district for herself then denied neighbors access. Then I was told I just wasn’t allowed. I asked the Director and she said all I have to do is sit in a seat for three monthly meetings. I sent a “tea party” letter about taxation without representation, many years before this Tea Party was formed, and was granted access after three horrifically boring meetings.

I ended up shortly thereafter as VP of the foundation that gave them their money. I always recognized the Revolutionary War actions in Boston but do not even recognize the name tea party in the zealots that are holding our country hostage through the budget shutdown that throws seniors into the brink.

Shall we call Mr. Cruz King George III?  He is attacking our country, after all. I have a solution. Let’s all go to the men’s room, open our fly’s and see who’s is biggest. Then they can all make things right and go home and stop passing stupid new laws. Your senior constituents will not like you if they aren’t getting the money you stole from their SSA. Not a happy camper,Dee

 

Requirements and “Do-Gooders”

The Supremes (Court, that is) have agreed to decide whether every American must be required to purchase health insurance from private insurance companies. Is this constitutional?

There are more insidious deeds at hand, however, when government enacts “opt-out” policies rather than “opt-in.” Look up http://www.slate.com on your own.

As in, you will be automatically enrolled in X unless you tell us not to enroll you in it. It’s like the magazine deal, get two free issues then if you don’t cancel we’ll bill you for the rest. Except this is our lives, not a $11.95 subscription.

It should be something like, we have Medicare available after age 93. If you’d like to enroll, check here.

Government by “opt-out” is cowardly because it circumvents democratic discussion and debate. We cannot let our politicians, er, representatives, get away with it.

The health care law says we are forced to pay private insurers for health care. That will be settled by the Supreme Court. If because that was such a contentious debate the people who claim to represent us are going to an “opt-out” philosophy to hide new laws from us and get re-elected they’ve at least one gal out here who says “no way.”

I make appointments at the DMV and get in and out quickly, same with the passport office. Hundreds of people, poor people and some who don’t speak English, stand in line with crying babies for hours. We read the small print. We have computers and check things out online first to see how we can maximize our usable time and minimize standing in line. My husband looked up reviews before buying me a food mill for my birthday.

Many Americans will not understand the “opt-out” policies. I know that’s what our politicians are counting on, and that’s a really sad state of affairs for the people who campaigned to “represent” us. Not so cheery, Dee

Health Care

Today, the New York Times reports regarding the health of Gabrielle Giffords, the Congresswoman that was was shot in the head two months ago that:
‘Dr. Francisco agreed that Ms. Giffords was showing a lot of personality.
“I feel I’ve gotten to know her very well,” he said.
He also said she had a good attention span, adding, “We can engage her for a long period of time.”’

I am very pleased that Ms. Giffords is making what looks like a spectacular recovery from a gunshot wound she never merited or expected. Also, Houston will take good care of her during the healing process, of that I’m sure.

The problem is that it seems doctors actually spend time with her, get to know her and engage her for long periods of time. Doctors? During the years spent at my mother’s side in hospitals her doctor spent 3-4 minutes. We spent the nights writing questions for the next day just trying to hope to be there whenever the doctor had time to visit. We flew in from around the country to spell each other, always hoping to see the doctor. She’s dead now.

This is the difference between the Congressional and Presidential Health Care Package and what they want all of us peons to have. If you’ve millions in the bank you can use your own medical savings account. The rest of us who are employed have to count on our employer. I turned fifty and called AARP and they laughed when I asked about health insurance, and I’m healthy. They asked if they could rope in my husband and I said “no way.” At that time we took COBRA because my husband’s new employer failed to get us the insurance they promised. Let’s hope the new laws help those in need, employed or out of work, and children.

I believe if members of Congress had to deal with the health care morass we deal with every day when we are laid off and change employers or when employers downgrade the level of health care we pay for now, they would better understand what Americans endure. Hoping for a better future for all, Dee

Paycheck to Paycheck, or Ferrari?

I can’t even tell you the letter or numbers after 850 but yes, we’re giving more of our money to the banks that refuse loans and credit and spend our money giving their people huge bonuses. And just in time for bonus season, I might add.

So much for those who can’t pay their mortgage or at best live paycheck to paycheck, if that is even an option and they are employed. What is Congress and the President thinking of? A holiday gift to bankers who squandered the first $750 billion without any strings or reporting requirements? Are there any attached to this, except that they not put it all in their personal holiday stocking for next year with interest to pay for more red Ferrari’s for angry young men who are full of themselves for screwing their clients who park portions of their bank account with them to try to pay their mortgage or get the SUV because another kiddo is baking in the oven?

The best thing that’s happened this week is that a Federal judge ruled unconstitutional that every American purchase health insurance. Now that’s progress. Insurance companies will no longer be able to weed out those who might become sick to only insure the well and do what they really do, make investments and bargain on our lives and health and driving and whether our house might flood (sorry, only the Feds do that now, more later) or be consumed in a hurricane. And I’m sure they have hurricane and tornado caveats as well. Every bill that was ever introduced in the Insurance Committee of one state where I was a legislative analyst had a place for opponent comments, that inevitably read “Will Increase Premiums.”

Driving is a privilege and to drive I need a license. I also need a car and that car needs a registration that requires proof of minimum insurance. I’ve no problem with that. To be born and have your parents be required to give you health insurance, then at age 18 be required to purchase health insurance is only a boon to the insurance industry. They know it and will fight tooth and nail against the new law because the requirement to purchase health insurance has been voided. If the people who have spent the past few years fighting the “Obama” bill would concentrate their ire on the insurance industry, something might be done to allow more of us to be healthy and have more wellness care at the beginning and hospice care at the end. If so, we might just live and die with dignity. Be well. Dee