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Shocked, shocked to learn about gambling (I mean Obamacare) November 7, 2013

Posted by Admin in Health Insurance, Healthonymous, huh?.
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I read this headline in The Atlantic about ACA/Obamacare information and was shocked (as in Casablanca) and for real!
There are multiple states that prevent or limit their ACA navigators (information helpers hired to work in each state) from discussing the benefits of Obamacare (the Affordable Care Act). Is your state one of them? Hint: None are on the West Coast. Some oaf them are red.

“States that resisted Obamacare in the first place seem to be, unsurprisingly, the same ones that are wary of the navigators.”

For a list of states and restrictions, look here.

How low will they stoop-I guess this lowers the bar again in the limbo game.

health.care.human.right

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ACA (Obamacare) Sticker Shock: Fact or Fiction? October 27, 2013

Posted by Admin in Health Insurance, Healthonymous, Money.
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The skyline of Seattle, Washington at dusk. In...

The skyline of Seattle, Washington at dusk. Interstate 5 is the freeway that cuts through downtown and Puget Sound is visible to the left. (Photo credit: Wikipedia)

Please ask your friends and family a few questions if they are claiming sticker shock. It is possible that they did not collect all the information that was relevant to potential coverage under the Affordable Care Act.

( Don’t you wish we had lots of media video asking politicians why they are against “Affordable Health Care”?)

I found this valuable link from Consumer Reports via a notice from Group Health Cooperative in Seattle. (offering nationally known health care and coverage – Full disclosure-I am a member of ghc.org)

Three scenarios are asked and answered in this column. Check it out; then tell Full Coverage about your experience below.

 

Women and the Affordable Care Act October 13, 2013

Posted by Admin in Health Insurance, Women.
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An estimated 7 million will be able to receive premium support when enrolling in plans on the new exchanges.

An estimated 7 million will be able to receive premium support when enrolling in plans on the new exchanges.

The Affordable Care Act requires an expansion of Medicaid that would increase the percentage of U.S. women with health insurance, with the anticipated benefit of improved health.

The Affordable Care Act improves coverage for important preventive services and maternity care, promotes higher quality care for older women, and bans health insurers from requiring women to pay more for the same insurance coverage as men.

 

Why aren’t members of the media asking certain elected officials why they are against these provisions? Why don’t we hear questions like,

Congresswoman, Congressman, or Representative X, why are you against:

  1. health coverage for poor people,
  2. better coverage for women and men,
  3. expanded mental health benefits (as you all wanted after Newtown) and
  4. improved prescription drug and maternity coverage to help poor women and poor mothers?

Why not ask your own House Congressmembers this question!

The ACA: Bad for American Business? October 4, 2013

Posted by Admin in Health Insurance, Money.
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Wall_Street_-_New_York_Stock_Exchange

There are allegations that the Affordable Care Act is bad for American businesses. The key questions are  more nuanced – which ones and when?  The ACA will prove to be disruptive, says  former insurance executive Wendell Potter.  But the last 4 years have been good for people holding insurance stocks on their retirement plans and mutual funds. According to a report shared across the country by the AP, 5 major health insurance companies have benefitted greatly since the recession and with the prospect of millions of new customers. For example:

The good news: CIGNA stock up 477% since 3/9/2009 (as reported by the AP-not a solicitation to buy or sell shares). For comparison, the Standard and Poor’s 500 index was up 151% in the same time period.

The bad news: According to Wendell Potter (formerly of CIGNA), this may not continue as the exchanges alter the traditional insurance marketplace.

English: Wendell Potter in 2010

English: Wendell Potter in 2010 (Photo credit: Wikipedia)

And what if the American public benefits as a whole because of fewer ER room visits, with more people insured and using preventive care?

Betsy McCaughey on Obamacare: Sex, Drugs and the ACA October 1, 2013

Posted by Admin in Health Insurance, Healthonymous.
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 A family member recently sent me an email titled Sex, Drugs, and Obamacare!

(It’s not a sequel to the movie Sex, Lies and Videotape…)

It threw me for a minute until I read about physicians taking a social history from their patients-which is perfectly ‘reasonable and customary’. So I put the email in my Trash bin. Then I came across this column in Vanity Fair, which gave the source for my relative’s  latest fictional headline. Augh-The New York Post!

Betsy McCaughey says that our new electronic medical records –EHR‘s (created courtesy of Bush 41) will allow our physicians to enter in our social histories in our EHR’s and then the information will get shared with the IRS and the NSA. Described by website mediaite.com as a demagogue, McCaughey asserts that our private, protected social histories in our EHR’s will ultimately be fodder for data miners. She is also the one who coined the ‘phrase’ death panels.

Betsy McCaughey

Betsy McCaughey (Photo credit: Gage Skidmore

Now, I wouldn’t put anything past the NSA at this point, but isn’t the place to handle  this in another piece of legislation, regulating the NSA itself or by filing a FOIA (Freedom of Information Act request) ?

English: NSA EMPLOYEES ONLY Français : NSA emp...

English: NSA EMPLOYEES ONLY  (Photo credit: Wikipedia)

 

Misuse of citizens’ big data by the government is a bigger issue than 15% of the economy! It deserves more attention than cheap chain emails from people with no real knowledge of the goals of the ACA.

 

 

 

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20 Things to Know about the ACA (Obamacare) September 23, 2013

Posted by Admin in Health Insurance, Healthonymous, Money.
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A special section was published in The Seattle Times on September 22nd and has valuable information for Washingtonians and others.

One valuable section of the ACA allows for subsidies:

If you make up to $45,950 ($94,200 for a family of four) you may get a subsidy that will decrease your premiums.

Some of us will just be happy to save a few bucks per month to apply to our increased deductibles. I’m not blaming the ACA for that-your $250 deductible (as recently as 5 years ago) seems to be gone forever.

However, people who earn less than an adjusted gross income of $45,950 per year may very well immediately reallocate any savings  to other parts of their budget. Deductibles, groceries, retirement savings.  This could be good for our collective economy.
Here is one link to a subsidy calculator that anyone from across the country can use.

If you receive a subsidy how will you use the money you save? Tell us in the comments.

 

Full Coverage “for some people” August 2, 2013

Posted by Admin in Health Insurance, Healthonymous.
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After the attacks at the Boston Marathon, I was wondering about how the victims would be covered for their injuries. Who pays?

Boston Marathon Finish Line.1910. Author: Unknown.

Boston Marathon Finish Line.1910. Author: Unknown. (Photo credit: Wikipedia)

How would  “Romneycare” in the Commonwealth of Massachusetts work?  The answer is better than in the other 49 states, initially.

Here’s why: According to an article in the Huffington Post,

“Yet, given the extensive nature of some patients’ injuries, including lost limbs, there will be ongoing medical and rehabilitative costs that may not be covered by health insurance or by the Massachusetts safety net program. “The breadth of coverage could leave some people with some uncovered expenses given the severity of some of the potential injuries,” Bigby said. The Health Safety Net Program is limited to hospital costs.”

Then I read this on a Facebook page,

“There is something fundamentally flawed in our nation’s health care policy when the Boston bomber is having his medical bills paid for by the taxpayers he attacked, and the victims are resorting to seeking donations online.”

Corporate marathon sponsors are raising money for victims’ health care with a new foundation called The One Fund. ($31.1 million raised as of August.). Even a brewery is giving away money to another fund, the Greg Hill Foundation. Sometimes the funds raised take months to get to the people who need the money.

Hopefully this situation will be different.

Participants in the 2010 Boston Marathon in We...

Participants in the 2010 Boston Marathon in Wellesley, just after the halfway mark (Photo credit: Wikipedia)

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Got Pre-Existing Conditions? Romney or Obama Health Plan? October 4, 2012

Posted by Admin in Health Insurance, Healthonymous.
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As seen on Slate.com this morning-about pre-existing conditions and Obamacare.

Here’s an admission from Governor Romney’s advisor, Eric Ferhnstrom:

Pressed by TPM’s [Talking Points Memo] Evan McMorris-Santoro, Fehrnstrom said those who currently lack coverage because they have pre-existing conditions would need their states to implement their own laws — like Romney’s own Massachusetts health care law — that ban insurance company from discriminating against sick people.

“We’d like to see states do what Massachusetts did,” Fehrnstrom said. “In Massachusetts we have a ban on pre-existing conditions.”

[emphasis added by me]

If you have a pre-existing condition, the President’s plan (already the law), provides for no discrimination based on pre-existing conditions (think chronic conditions, cancer, diabetes etc.). But if Governor Romney is allowed to repeal Obamacare, then each state would have to push through their own versions of protections instead.

No guarantees there.

The Republicans are big on freedom. Before PPACA was passed, you could be trapped in your job with employer-provided health coverage, if you had a child with epilepsy or diabetes and they had been born AFTER you began work at your current company. Why? Because they would have been uninsurable with an individual plan or for a period under a new employer plan.

I knew two people who could never change jobs before PPACA was voted into law.

No freedom for them.

There is now.

English: President Barack Obama's signature on...

English: President Barack Obama’s signature on the health insurance reform bill at the White House, March 23, 2010. The President signed the bill with 22 different pens. (Photo credit: Wikipedia)

Health Care Quote of the Week: The conservative case for Obamacare October 2, 2012

Posted by Admin in Health Insurance, Health Quote of the Week.
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I can’t add very much to this NYT Opinion piece, save to say that its’ conservative credentials are impeccable. And the writer believes that the President’s health care plan (Patient Protection and Affordable Care Act) is a wonderful piece of legislation, not for  liberals but conservatives.

But here’s the dirty little secret:

“This explains why the health insurance industry has been quietly supporting the plan all along. It levels the playing field and expands the potential market by tens of millions of new customers.”

To which I would add, check your health insurance stocks, mutual funds and ETF’s. Are their shareholders complaining about performance in the last three years?

(This post is not a solicitation to buy or sell securities)

English: Barack Obama signing the Patient Prot...

English: Barack Obama signing the Patient Protection and Affordable Care Act at the White House (Photo credit: Wikipedia)

ASU Student Gets “Full Coverage” – After CEO Answers Tweets September 23, 2012

Posted by Admin in Cancer, Health Insurance.
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I am a little late to this story, but did you hear about the ASU student health plan and it’s, shall we say, ‘irregularities’?

Read this blog post from the NYTimes.

Excerpt: Arijit Guha, 31, a New York native who was raised in Ohio, learned he had cancer in February 2011 after developing debilitating stomach pain following a trip to India. During surgery, the doctors found the cancer had spread to his abdominal lining, and they removed most of his colon, leaving him with a colostomy. Since then he has undergone more surgery and chemotherapy or, in his words, been “filleted, disemboweled and then bathed in hot poison.”

Mark T. Bertolini, Aetna’s C.E.O.
Aetna Inc., via Associated PressMark T. Bertolini, Aetna’s C.E.O.

A doctoral student at Arizona State University, Mr. Guha was insured under an Aetna Student Health plan for which he paid $400 a month. The plan initially covered his care, but in February, Mr. Guha’s treatment costs reached the $300,000 cap on the insurance plan, leaving the student with $118,000 in medical bills. read more

Thank you so much Arijit Guha.

  • For taking the time and energy to act for both yourself and the rest of the ASU health plan participants during your illness.
  • For being willing to share the details of your illness @Poop_Strong on Twitter
  • For serving as a catalyst for Aetna to take action on the plan for  all ASU students
  • And alerting all of us to this ridiculously low lifetime cap that could be attached to our college students’ health plans. $300,000 before-$2,000,000 now.

@Poop_Strong, I salute your persistence,  and your continued good health!

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