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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!

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Opinion | Democrats counter GOP parody of health-care reform | Seattle Times Newspaper October 5, 2010

Posted by Admin in Health Insurance.
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Opinion | Democrats counter GOP parody of health-care reform | Seattle Times Newspaper.

Will any  Republicans have the ovaries to run on the platform of “No children should be insured”? Repeal that!

Will any Republicans really defend a parent’s “right” to stay locked into an employer they don’t want to stay with, because their child as a “pre-existing condition”, and is insured under that employer’s group plan? Repeal that!

Will any Republicans try to run on the premise that their call for repeal of the Affordable Care Act is really based on the call in the legislation for more dollars to be ued for patients, instead of adminstrative costs? Let’s repeal that too.

And Democrats, you might need some ovaries too.

I’m just sayin”….

Goodbye to 2009 January 11, 2010

Posted by Admin in Blog Math, Health Insurance, Money.
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Now I see why calculating this total was hard for me.

I had an eventful year in 2009, including unanticipated dental work (a cracked tooth that could not be saved), an age related procedure (colonoscopy), a DNA test covered under GINA, and an infection that was treated as if it was MRSA. In contemplating this post, I realized that I have postponed the next visit to my physician, due to the expense.

My expenses  since I began the blog total $$1249.81, divided by 14 weeks. That is a daunting $89.27 per week.Annualized, that is $4,642 spent on health care appointments, premiums, co-pays and out of pocket expenses.

Are there any lessons from 2009?

  • I did a good job managing my lymphedema with exercise, massage and diligent use of my compression sleeve.
  • However, in the last six months, partly since I did not do the 2009 Danskin triathlon, I really fell off the exercise wagon. You won’t read my exercise intentions here for a while (as this is not a fitness blog!) , but I do realize that returning to a regular exercise plan will provide immediate benefits as well as potentially decrease expenses…
  • As far as managing my expenses, some of my out-of-pocket costs could not have been avoided. I look forward to decreasing the other ones in 2010!

Goodbye to 2009 January 5, 2010

Posted by Admin in Blog Math, Diary, Health Insurance.
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Now I see why calculating this total was hard for me.

I had an eventful year in 2009, including unanticipated dental work (a cracked tooth that could not be saved), an age related procedure (colonoscopy), a DNA test covered under GINA, and an infection that was treated as if it was MRSA. In contemplating this post, I realized that I have postponed the next visit to my physician, due to the expense.

My expenses  since I began the blog total $$1249.81, divided by 14 weeks. That is a daunting $89.27 per week. Annualized, that is $4,642 spent on health care appointments, premiums, co-pays and out of pocket expenses.

Are there any lessons from 2009?

  • I did a good job managing my lymphedema with exercise, massage and diligent use of my compression sleeve.
  • However, in the last six months, partly since I did not do the 2009 Danskin triathlon, I really fell off the exercise wagon. You won’t read my exercise intentions here for a while (as this is not a fitness blog!) , but I do realize that returning to a regular exercise plan will provide immediate benefits as well as potentially decrease expenses…
  • As far as managing my expenses, some of my out-of-pocket costs could not have been avoided. I look forward to decreasing the other ones in 2010!

Health Care Quote of the Week December 17, 2009

Posted by Admin in Diary, Health Insurance, Health Quote of the Week.
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Hero of the week: Senator Bernie Sanders of Vermont.

Here is part of his 36 minute speech on the floor of the Senate yesterday, given after he was forced to withdraw his single payer system amendment to the current health reform bill.

“The fact that 17 percent of our people are unemployed or underemployed, one out of four of our children are living on food stamps, we’ve got two wars, we’ve got global warming, we have a $12 trillion national debt, and the best the Republicans can do is try to bring the United States government to a halt by forcing a reading of a 700 page amendment.  That is an outrage.  People can have honest disagreements, but in this moment of crisis it is wrong to bring the United States government to a halt.” Source

If the amendment had been introduced, it would have been the first time in history such an amendment would have been discussed on the Senate floor. Senator Durbin, the Democratic Whip stated:

The decision by the Senate Republican leadership today to have the Sanders amendment read clearly tells us what their strategy is. It is to slow down or stop this bill at any cost.

Senator Sanders stopped the bill reading  and began speaking on the floor nearly 3 hours into the reading of the amendment-required by Senator Coburn.

Weekly Expenses — a First! November 6, 2009

Posted by Admin in Blog Math, Diary, Money.
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For the first time since beginning this blog, my weekly health care expenses are zero, nada, zilch, nothing.

My budget can use a break-how long will  this last?

Weekly expenses $00.00

GINA, Coverage and Me Update November 5, 2009

Posted by Admin in Cancer, Health Insurance, Money.
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Wow! I opened an innocuous, slim envelope from my insurance company yesterday-an Explanation of Benefits or EOB. My DNA test from September to discern whether I have the  (Breast Cancer) BRCA mutations is covered in full! No more funds out of pocket! (search under DNA or GINA for previous posts)

I could have been liable for up to $350, and the blood test bill was  $3120. After a provider “adjustment”, the insurance company will pay them $2964.00.

No deductible, no co-insurance, only the two co-pays for the office visits of $40.

If you are going to have a system that keeps cancer patients alive long enough to be survivors, then these follow-up procedures should be covered (with appropriate privacy for the patient) in order to practice further early detection and possibly even prevention.

[picapp src=”3/9/1/1/Rep_Hoyer_hosts_7c52.JPG?adImageId=7129555&imageId=6278902″ width=”234″ height=”388″ /]

I waited eleven years for this test.

Relief is spelled GINA!

Incentives for Health Reform November 3, 2009

Posted by Admin in Health Insurance, Healthonymous.
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Just caught a TV program where Bill Gates, Jr. was answering questions from students. Being Bill, he was asked many questions, one of which was on health care. He spoke to the question of what behavior the system currently promotes. The example he used was the difference between preventing an asthma attack vs. having an expensive episode treated in the hospital. The latter is rewarded with money, i.e. the procedures are “covered” by insurance. The former is not always “incentivized”.

Another example was the original inclusion of discussing on a voluntary basis end-of-life care with your physician earlier this summer in one of the bills proposed by Congress. This conversation would have received insurance coverage, but due to misrepresentation and outright lies, the provision was dropped by Congress. Some types of conversations with one’s physician simply have no incentives in the current health care and insurance systems, so they don’t occur.

When you or I see a health care provider, there is usually coverage for an office visit, but tests and procedures are rewarded too.

What incentives should be built into our system? (more…)

October Expenses-Scary! October 31, 2009

Posted by Admin in Blog Math, Cancer, Diary, Health Insurance, Money.
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  • ER visit week of 10-5-09:   co-pay before entering the treatment room $100, Dr. fee $266-my percentage of 20% after “negotiated adjustment” =  $34.02, IV drugs ?
  • Co-pays for 2 Office visits for cellulitis and 1 for DNA Test results: $60
  • Flu shot (regular)-no separate bill yet (I think)
  • Plus antibiotics (2 different types), extra pain meds (neither of which worked) $40
  • DNA test-not yet paid by insurance company $3100 (my maximum will be $350) but I haven’t been billed yet because the insurance company is hassling the lab that performed the service (the one that said they had my back). Classify this one as: “hanging over my head”
  • Regular Rx renewals $39.91 (for three months each)
  • Office visits for Ovarian Cancer research study: annual ultrasound of ovaries and CA 125 blood Test : FREE (classify this one to rule things out). More on the CA 125 test in a future post.
  • Bill for September dentist (annual exam, X-rays and cleaning) $45.40 out of pocket (insurance paid $181.60)
  • Co-pays for two therapeutic lymphedema massages: $60

Scary total: $513.00

Weekly Expenses October 30, 2009

Posted by Admin in Blog Math, Cancer, Diary, Money.
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This week’s expenses were not as scary as Halloween week could be. I had a regular massage for my back and my lymphedema on Monday.  One side effect of blogging is that I spend more time in front of the computer. This causes my shoulders to hunch over and my chest muscles to contract. The massage helps to loosen them back up. (But I probably need to get back in the pool.)

Co-pays this week only $30.00 for the massage. I ordered a refill of the other prescription I take by mail. A three-month supply is around $19.00. But I overpaid the company last month so it won’t cost anything-they already have my money! Great for cash flow-but poor planning, nonetheless.

Weekly expenses: $30.00

Monthly total coming this weekend-that might be scary!

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