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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!

Affordable Care Act Perspective (as we wait for SCOTUS) June 22, 2012

Posted by Admin in Health Insurance, Health Quote of the Week, Healthonymous.
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Coming soon to a bank account near you!

Source for above data: The Commonwealth Fund Survey.

And Exhibit B  is about the Affordable Care Act‘s provision for young people under age 26…It has worked! More than 3 million young adults have care now….Including my own child…..

To quote groobiecat.com

So, if you’re under 26 and are covered under your parents’ policy and are unemployed–and you still think the two parties are the same?–could you please get them to remove you from the policy coverage? Thanks!

Wonder if any of our nation’s Republican public servants or donors are going to remove their children from coverage…..

 

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)

Post-COBRA Coverage Choices: What Next? April 24, 2012

Posted by Admin in Blog Math, Healthonymous, Money.
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18 months is a long time-until the end is near. My employer-provided COBRA coverage April 30th, 2012.  I have appreciated the coverage very much, and it seems to be a relic from another time.

The main concern I used to have was how to maximize my choices in the individual insurance coverage market. Now, I am resigned to the bad choices, at least until the Supreme Court rules in June 2012. [Then it might get worse]

U.S. Supreme Court, 1998.

U.S. Supreme Court, 1998. (Photo credit: Wikipedia)

In my state there are fewer than 5 companies that offer individual coverage in my town. Not much competition there.

  • Deductibles: Used to a $250-$500 annual deductible? Kiss that one goodbye. The lowest annual deductible is $750, and that will be going up this summer to $1000. I contacted the state Insurance Commissioner and that apparently is perfectly legal. The annual deductibles go up to $10,000.
  • Monthly premiums: these range from $170 to more than $500 per month for one person. I know many people out there have more people to cover. How many folks do you know that didn’t even take COBRA, due to the cost?
  • Co-insurance or cost-share: Used to an 8o%-20% plan where you are responsible for 20% of the covered amount? Well, that is increasingly difficult to secure as well. I’ve even seen 50/50 plans. That means the insurance covers 50% of some amount and you pay the other 50%. That is after your monthly premium. Then you have to go through the calculation of whether it applies to your deductible or not.

For example, I learned yesterday that the plan I may select would cover an MRI like this: (as a cancer survivor I have had several of these in my life)

  1. Monthly premium $442
  2. Current deductible $750, in July increases to $1000
  3. Cost of MRI: about $2000
  4. Coverage pays the first $400 only
  5. The rest of the $2000 ($1600) charge would first go to my deductible of $750 if I need the MRI in the next two months.
  6. Out of pocket so far in one month $442+$750, then $850 remains. I pay 20% of that $850-$170.
  7. Total out-of-pocket that month = $1362

Whoa-Stay healthy for the rest of that month! Survive on reduced grocery budget! Other choice: go without coverage like many other Americans!

Health uninsurance rates in the United States ...


When Employment Ends, the Appointments Begin October 11, 2010

Posted by Admin in Blog Math, Healthonymous, Money, Women.
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Since I learned that my employment would end soon, I have scheduled the following:

  1. Overnight Sleep Study (for sleep apnea)
  2. Regular Physical (mammogram, cholesterol, Pap)
  3. 2010 3 in 1 Flu Shot (no shortage this year)
  4. Visit to the Optician
  5. 2 Massages for October (lymphedema)
  6. Cancer study appts: ultrasound, plus CA 125 blood test

Here’s how it is going:

Sleep-see separate post today…

Flu shot: easy-peasy and no side effects.

Cholesterol test. Each one of these begins with a great phlebotomist. How easy is it to voluntarily submit to a blood draw, while hungry and uncaffeinated? These phlebotomists should get combat pay!

(my secret-a number 23 needle)

Results-could be better. Fewer carbs?

Mammogram: Normal (what is normal, anyway?)

Pap test. (TBD-a couple of weeks). Good news for women! New policy. If one year is clear, then you might get a three year pass until the next one! (in my home town, at least)

Note: Each appt. cost includes parking, time away from work (whoops not any more), opportunity cost then, and a $20 co-pay (except for an appt. labelled annual physical exam), in the name of prevention. No co-pay at the optician and the parking there is free.

Cost for last week: $6.00 (parking)

Week before (sleep study) $14.00 parking plus TBD

Two days before sleep study: $4.00 parking for consultation that led to sleep study

(was physician maximizing his/her revenue for September?) hmmmm.

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”….

House one minute speeches cont. March 21, 2010

Posted by Admin in Health Insurance, Healthonymous, Money.
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Rep. Ted Poe: R-TX: Will we choose tyranny, the European nanny state? No, we will stand for liberty”

Why is Senator Lieberman Still Opposed to the Public Option? December 12, 2009

Posted by Admin in Healthonymous, Humor.
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[picapp align=”center” wrap=”false” link=”term=senator+lieberman&iid=6924413″ src=”8/1/7/4/Democratic_and_Republican_c076.jpg?adImageId=8255244&imageId=6924413″ width=”380″ height=”253″ /]

Senator Lieberman says he won’t support any health care reform bill that includes a “public option”.

As the cartoon by Joel Pett says here, there are several retorts to the statement:

A “Public Option” would be bad.

The way public libraries have ruined bookstores?

The way public transportation has…

I found the cartoon on the Kaiser Health News website.

Why hasn’t Senator Reid offered to strip Senator Lieberman of his chairmanship of the Senate Homeland Security and Governmental Affairs Committee?

Give em’ hell Harry!


Quote of the Week-Senate Vote on Mammograms and Other Preventative Care for Women December 4, 2009

Posted by Admin in Diary, Health Quote of the Week, Women.
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Today, the Senate voted on two health care amendments. One was the Mikulski Amendment, named for the veteran, Democrat, four term Senator Barbara Mikulski of Maryland.

[picapp align=”left” wrap=”false” link=”term=senator+mikulski&iid=5394370″ src=”0/0/f/f/Senators_Dodd_Harkin_54f2.jpg?adImageId=8018595&imageId=5394370″ width=”234″ height=”335″ /]

The other was the Murkowski Amendment, named for the Republican Senator from Alaska Lisa Murkowski. Now, there are only 100 Senators and not very many of them are women. 17 in 2009, the highest number so far. Some of the Senators apparently haven’t learned all the names in their class yet.

There is an official press release on Senator’s Mikulski’s website and a number of fine quotes. This one wasn’t listed in the text. Due to the number of (mostly) male Senators who had trouble keeping the names straight, Senator Mikulski decided to give a spelling lesson on the floor.

Don’t they have a seating chart with photos? Don’t they know the new kids yet? Murkowski-2003, Mikulski 1986….

Here is what Mikulski said about her winning (61-39) amendment today:

“Without this amendment, there would be no guarantee that women under 50 would be covered for mammograms, no guarantee of an annual women’s health exam that would include screenings for heart disease, and no guarantee that women would have access to this preventive care at no cost,” Senator Mikulski said. “Insurance companies have used every trick in the book to deny coverage to women. This amendment makes sure that the insurance companies must cover the basic preventive care that women need at no cost.” (emphasis added)

Senator Murkowski’s amendment covered much the same ground, but focused on the panel that issued the poorly received updated mammogram advice last month (see the post called Better Read than Dead):

“the Secretary shall not use any recommendation made by the United States Preventive Services Task Force to deny coverage of an item or service by a group…”

[picapp align=”right” wrap=”false” link=”term=senator+murkowski&iid=2437419″ src=”0/4/f/1/Alaska_Senator_Ted_60ca.jpg?adImageId=8018611&imageId=2437419″ width=”234″ height=”156″ /]

Senator Murkowski and other Republicans wanted to highlight that no government bureaucrat should get between a woman and her doctor. Senator Mikulski’s amendment specifically stated that a woman’s doctor:

[would]…determine whether mammograms are medically necessary and would require insurance companies to cover the procedure if needed.

The R’s didn’t believe this, but their amendment lost 59-41. The bill is far from final yet, and I urge readers to keep a vigilant eye and ear on the floor debate, especially if you want to keep this amendment in the bill (it is not in the House bill).

BlogCatalog November 22, 2009

Posted by Admin in Diary, Healthonymous.
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Womens Health Blogs - BlogCatalog Blog Directory

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