Category Archives: Medicare

My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

“Insurance Companies Practice Deny & Delay Tactics”…The Deutermann Law Group

“Some critics say being barred from court discourages complaints, and some of those barred from court say they don’t trust the arbitration system enough to pursue it. Joseph Belth, a retired professor of insurance at Indiana University and editor of a widely read industry newsletter, calls the ability of fraternals to unilaterally change dispute-resolution rules for policyholders “an outrage.””…WSJ May 30, 2006

“For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.”…Ephesians 6:12

 

 

My disability, how it affected me and how I was treated by the Disability insurance company and Social Security Disability.

Prior to my disability, I had been active all of my life, had only been to the hospital for sports injuries and had worked hard mentally and physically.

My disability event happened on February 27, 2009.

After 2 initial filings for disability claims and a letter from an attorney, my claim was denied.

The claim has been ongoing since then and I have had legal representation for over a year.

I vowed that no matter how this played out, I would expose the mistreatment I received from the disability insurance company.

Since the claim process is ongoing, I will report what I am able to reveal.

Here is the general sequence of events:

I was upstairs and alone.

I felt a numbness beginning in my right foot which began to spread up my right side.

I walked a short distance to the bedroom and laid down.

I was thinking stroke but tried to remain calm.

I called my lady friend who called her physician father on the west coast.

She arrived home and immediately took me to the emergency room a short distance away.

They triaged me for stroke which thank God it wasn’t, ran some more tests and kept me overnight.

The numbness all along my right side began to go away overnight except for my right foot, which remains with me today.

It wasn’t just numbness but there was also pain. The closest analogy I can think of is when your hands get numb and painful from making snowballs too long.

From the time that I left the hospital I was forced to keep my right leg propped up and pretty soon my lower back beagn hurting.

I was in pain during the day and my sleep was difficult at night.

A few days later I had an appointment with the attending physician, who I had never met before the hospital visit. He began talking about taking vitamins and quite frankly did not impress me.

After the second visit and my insistence, he referred me to a podiatrist.

The podiatrist was competent and immediately referred me to a spine specialist.

The spine spcialists examined me and took xrays. They found compression and fusion in my lower back. They also gave me an injection for pain which did little to help.

On the next visit they ran point to point tests from my lower spine to my foot.
.
Their conclusion was atypical neuropathy.

I had contacted my disability insurance company earlier to inform them of what had happened and they sent claim forms.

I filed claims with them twice and on both occasions the spine specialists indicated “no work.”

After the second denial I had an attorney write an excellent letter to no avail (except for documentation).

I also filed an online claim with Social Security Disability. More on this later.

Knowing what I know now, I would have immediately contacted an attorney to handle this case.

There were multiple reasons why I did not.

First of all, this was a fraternal plan I had paid on for 25 years. I was in disbelief, shock as well as pain. I could not trust them.

Also in the contract you agree to go through a process of appeal, mediation and binding arbitration. I should have had an attorney handle that.

After months of diagnosis, filing claims and dealing with the pain I had to protect myself. Thank God I had assets. I got by on savings, disposal of assets and eventually early Social Security retirement at a reduced amount.

I was able to make payments on the house I moved back into after my lady (fair weather) friend broke things off and my car.

I am one of the fortunate ones.

The TV ads daily reveal those who were helped by an attorney or they would have gone under financially.

Once again, I am blessed. But I was devastated financially.

Medicare was a blessing. With the great supplement a friend recommended, I was able to get a knee replacement for my other knee.

Exercise became part of my therapy to reduce the pain. I was then able to resume it.

What the disability company did was wrong, evil.

I am not going to let them get away with this, for myself and others.

More on this when I am able.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

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Obama and Pharmaceutical firms again in cahoots on TPP, Trans Pacific Partnership empowers big pharma, Greater access to and influence over decision making processes around pricing and reimbursement, Drug companies biggest spenders on lobbying

Obama and Pharmaceutical firms again in cahoots on TPP, Trans Pacific Partnership empowers big pharma, Greater access to and influence over decision making processes around pricing and reimbursement, Drug companies biggest spenders on lobbying

“If you like your health care plan, you’ll be able to keep your health care plan.”…Barack Obama

“millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.”…NBC News October 29, 2013

 

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells

 

From the NY Times June 10, 2015.

“Facing resistance from Pacific trading partners, the Obama administration is no longer demanding protection for pharmaceutical prices under the 12-nation Trans-Pacific Partnership, according to a newly leaked section of the proposed trade accord.”

“It was very clear to everyone except the U.S. that the initial proposal wasn’t about transparency. It was about getting market access for the pharmaceutical industry by giving them greater access to and influence over decision-making processes around pricing and reimbursement,” saidDeborah Gleeson, a lecturer at the School of Psychology and Public Health at La Trobe University in Australia. And even though the section, known as the transparency annex, has been toned down, she said, “I think it’s a shame that the annex is still being considered at all for the T.P.P.”

The annex, which covers pharmaceutical and medical devices, is the latest document obtained by The New York Times in collaboration with the watchdog group WikiLeaks, and it was released before the House vote on whether to give President Obama expanded powers to complete the Trans-Pacific Partnership.”

“The agreement “will increase the cost of medicines worldwide, starting with the 12 countries that are negotiating the Trans-Pacific Partnership,” said Judit Rius Sanjuan, a lawyer at Doctors Without Borders, a humanitarian organization that provides medical care in more than 60 countries.”

“Pharmaceutical firms and their trade associations have filed by far more lobbying disclosure forms on the Pacific trade negotiations than any other industry, according to the watchdog Sunlight Foundation. More broadly, the pharmaceutical and health product industries have been the biggest spenders on lobbying, and drug company deal-making with the Obama administration and in Congress was instrumental in securing passage of the Affordable Care Act.”

““The leak is just the latest glaring example of why fast-tracking the T.P.P. would undermine the health of Americans and the other countries and cost our government more, all to the benefit of pharma’s profits,” said Lori Wallach, director of Public Citizen’s Global Trade Watch and one of the most prominent voices in the coalition working to scuttle trade promotion authority.”

Read more:

http://www.nytimes.com/2015/06/11/business/international/us-shifts-stance-on-drug-pricing-in-pacific-trade-pact-talks-document-reveals.html?smid=tw-share&_r=0

Naw, Mr transparency, Obama, wouldn’t make a deal with the pharmaceutical companies would he?

From Citizen Wells August 23, 2009.

“Internal Memo Confirms Big Giveaways In White House Deal With Big Pharma
A memo obtained by the Huffington Post confirms that the White House and the pharmaceutical lobby secretly agreed to precisely the sort of wide-ranging deal that both parties have been denying over the past week.

The memo, which according to a knowledgeable health care lobbyist was prepared by a person directly involved in the negotiations, lists exactly what the White House gave up, and what it got in return.”

“Critics on Capitol Hill and online responded with outrage at the reports that Obama had gone behind their backs and sold the reform movement short. Furthermore, the deal seemed to be a betrayal of several promises made by then-Sen. Obama during the presidential campaign, among them that he would use the power of government to drive down the costs of drugs to Medicare and that negotiations would be conducted in the open.”

“the White House agreed to:

1. Oppose importation

2. Oppose rebates in Medicare Part D

3. Oppose repeal of non-interference

4. Oppose opening Medicare Part B”

“Here is a CNN report on this backroom deal:

“Obama:Caught Lying Again-Making Back Room Deals with Pharmaceutical Lobbyist”

https://citizenwells.com/2009/08/23/obama-pharmaceutical-memo-obama-lying-white-house-deal-with-pharmaceutical-lobby-phrma-internal-memo-pharmaceutical-researchers-and-manufacturers-association-deal-lobbyistsyoutube-video/

Kay Hagan lies echo Obama lies, Obamacare impact on consumer spending health care costs and quality, Part 1, Obama lies on keeping your insurance and reducing premiums

Kay Hagan lies echo Obama lies, Obamacare impact on consumer spending health care costs and quality, Part 1, Obama lies on keeping your insurance and reducing premiums

“The cost of health insurance will climb from a range of $61 to $77 monthly to a range of $118 to $133 monthly, according to a memo sent from UNC President Tom Ross to the UNC Board of Governors. On an annual basis, most students will pay about $500 to $700 more in 2012-13, depending on the campus.”

“Mallette said the insurance increases are due to the health care usage of UNC system students during the past couple of years, plus federal regulations on preventive care and pharmacy services issued in March. The process is complicated, he said, by the new provisions of the Affordable Care Act.”…Charlotte Observer May 1, 2012

“If you like your plan, you can keep it.”…Barack Obama

“millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.”…NBC News October 29, 2013

 

I was preparing an article on the impact of Obamacare on consumer spending.

Before beginning to write the article, the material expanded so much as to require a multi part series.

So many lies, so little time to expose.

Living in NC, and as sick of the non stop political ads as anyone, I still find my jaw dropping every time I hear the Hagan ad accuse Tillis of Medicare cuts.

Kay Hagan helped Obama pass Obamacare.

Money that had previously gone to Medicare Advantage Plans has been redirected to Obamacare.

From the Daily Caller February 2, 2014.

By Rep. Bill Johnson, Congressman, Ohio 6th District

“One of the most troubling aspects of President Obama’s takeover of health care is the more than $200 billion in cuts that Obamacare is taking from the Medicare Advantage (MA) program – a program that over 15 million seniors and individuals with disabilities have chosen to enroll in across the United States. As of January 2014, Ohio had over 763,797 enrollees in the MA program and roughly 38,766 of those enrollees reside in Eastern and Southeastern Ohio. This administration must stop these cuts to the MA program from happening if they want to protect the well-being of seniors across the country.

Last year, Medicare Advantage beneficiaries learned of a 6.7 percent rate cut that would hit their health care plans in 2014. These cuts are already being felt by seniors as access to doctors becomes more limited, and out-of-pocket payments increase. I recently experienced firsthand what these cuts mean for those living in Ohio when a number of local physicians had their practices dropped from participation in MA plans, forcing seniors to switch plans or leave their long-term physicians.

Doctors throughout my district have expressed their deep concerns over the serious impact these cuts will have on their practices, and their patients. Seniors in Eastern and Southeastern Ohio are losing access to their doctors and seeing an increase in their premiums. Some patients are being forced to leave their doctors mid-treatment. This is unacceptable, especially when 9 out of 10 beneficiaries believe their MA plan helps them live a healthier life.”

“And yet, this month, the Centers for Medicare and Medicaid Services (CMS) is planning to issue a second MA rate cut for 2015, slashing an additional 6.5 percent from these senior plans. In addition to this, seniors enrolled in MA could see between $420 and $900 in benefit reductions next year. Those seniors, who have not yet experienced the disruptions of the first cut, are sure to with the second – MA plans will soon face a total rate cut of 13 percent.”

Read more:

http://dailycaller.com/2014/02/18/seniors-on-medicare-advantage-are-losing-under-obamacare/

From The Foundry April 11, 2014.

 

SENIORS

Obamacare in Pictures 2014: Medicare cuts

You may recall Heritage experts’ warning that Obamacare would cut $716 billion from Medicare. That’s still happening.

Despite the Obama administration’s recent walking back of Medicare Advantage cuts for this year, Obamacare’s planned cuts to Medicare are moving forward. This chart shows which parts of Medicare are affected.”

Read more:

http://dailysignal.com/2014/04/11/obamacare-charts-obama-doesnt-want-see/?utm_source=facebook&utm_medium=social

 

From the Herald Sun September 26, 2014.

“Blue Cross and Blue Shield of North Carolina will drop its Blue Medicare HMO standard and Blue Medicare HMO Enhanced plan products in 11 North Carolina counties in 2015, affecting 50,000 beneficiaries statewide.

The counties include: Alamance, Davidson, Forsyth, Iredell, Rowan, Stokes, Surry, Wake, Wilkes and Yadkin, which makes up about one-third of BCBSNC’s Medicare Advantage population, said Michelle Douglas, public relations manager for BCBSNC.

Under HMO plans, beneficiaries generally must get care from within the plan’s network as opposed to PPO plans, which contracts with a network of preferred providers to which the beneficiary can choose.

Mary Snider, a BCBSNC customer who lives in Davidson County, said she received a letter this week that said her Blue Medicare HMO enhanced coverage would no longer be available.

According to the letter, if Snider does not take action before Dec. 31 on selecting a new plan, she will lose prescription drug coverage and only have Original Medicare beginning Jan. 1.

“This is a shock to everybody,” Snider said. “We wish they still offered (the old plans.)”

Snider said her monthly premium for Blue Medicare HMO Enhanced was $18.90 per month, which is confirmed by Centers for Medicare and Medicaid Services (CMS) data.

The BCBSNC letter does not outline the new plan offerings or specifics because they are not made public until Oct. 1.
However, according to CMS data that shows approved plan premiums for 2015, the only available HMO plan with drug coverage from BCBSNC in Davidson County is set to increase by just over three times Snider’s current premium, to $63.50 per month.

“There are some people out here who choose between health care and food,” she said about potential price increases. “If you’re caught in the middle, there’s nothing you can do.””

Read more:

http://www.heraldsun.com/news/x456534043/Blue-Cross-Blue-Shield-drops-HMO-plans-in-11-counties

 

 

Obamacare impact on Americans and economy, Higher premiums and deductibles, Medicare payments redirected, Employer costs passed on, Part time jobs instead of full time

Obamacare impact on Americans and economy, Higher premiums and deductibles, Medicare payments redirected, Employer costs passed on, Part time jobs instead of full time

“About two-thirds of the hospitals serving Medicare patients, or some 2,200 facilities, will be hit with penalties averaging around $125,000 per facility this coming year, according to government estimates.”…NE News Now

“Nearly half of U.S. companies are reluctant to hire full-time employees because of the ACA. One in five firms indicates they are likely to hire fewer employees, and another one in 10 may lay off current employees in response to the law.

Other firms will shift toward part-time workers. More than 40 percent of CFOs say their companies will consider switching some jobs to less than 30 hours per week or targeting part-time workers for future employment.”…Duke University Fuqua School of Business December 11, 2013

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

The media has done a stellar job of focusing on signups for Obamacare and how this has improved. What they have, obviously intentionally, not done is focus on the worsening impact of Obamacare on all Americans and the economy.

Citizen Wells has revealed the impact of premium and deductible increases and the job losses and part time jobs trends.

We have also explained the impact of cost increases and taxes on companies. These costs are often passed on to consumers.

The impact of Obamacare is much more far reaching.

From The Foundry April 11, 2014.

“Talking about Obamacare’s effects is one thing; seeing hard data is another.

Heritage’s newly updated Obamacare in Pictures has 15 charts that show the law’s effects on Americans—from canceled insurance policies to new taxes, Medicare cuts, reduced choice for plans, and more.

Here’s a quick look at just three of these charts and how Obamacare is hitting three groups.

YOUNG PEOPLE

Obamacare in Pictures 2014: Premiums Age 27

Obamacare says you can stay on your parents’ health insurance until you turn 26. This chart looks at what happens after that—if you don’t have employer-sponsored insurance and you have to get insured through Obamacare. If you’re trying to save for a car or house—or just paying rent to have your own place—seeing your premiums double is quite a blow.

SENIORS

Obamacare in Pictures 2014: Medicare cuts

You may recall Heritage experts’ warning that Obamacare would cut $716 billion from Medicare. That’s still happening.

Despite the Obama administration’s recent walking back of Medicare Advantage cuts for this year, Obamacare’s planned cuts to Medicare are moving forward. This chart shows which parts of Medicare are affected.”

Read more:

http://blog.heritage.org/2014/04/11/obamacare-charts-obama-doesnt-want-see/?utm_source=facebook&utm_medium=social

Obamacare will require employers to make changes to their health care plans

Created on April 9, 2014

Obamacare will require employers to make changes to their health care plans

 

Thanks to commenter bob strauss.

Obamacare and Obama economy kill NC medical jobs, Wake Forest Baptist Hospital likely will cut more than 1000 jobs, 950 jobs already cut, Small and medium sized hospitals hit hardest

Obamacare and Obama economy kill NC medical jobs, Wake Forest Baptist Hospital likely will cut more than 1000 jobs, 950 jobs already cut, Small and medium sized hospitals hit hardest

“If you like your health care plan, you can keep your health care plan.”…Barack Obama

“If you’ve got health insurance we’re going to work with you to lower your premiums by $2,500 per family per year. We will not wait 20 years from now to do it, or 10 years from now to do it. We will do it by the end of my first term as president.”…Barack Obama

“About two-thirds of the hospitals serving Medicare patients, or some 2,200 facilities, will be hit with penalties averaging around $125,000 per facility this coming year, according to government estimates.”…NE News Now

 

 

We warned you.

From the Greensboro News Record April 13, 2014.

“Another round of major expense reductions — including job cuts — are coming at Wake Forest Baptist Medical Center, with management’s plans being announced potentially as early as this week, according to sources.

Multiple employees, who are not being identified because they fear losing their jobs, have told the Winston-Salem Journal they understand that several hundred to more than 1,000 job positions could be eliminated, with the process already started in some departments.

People with knowledge of the situation say Wake Forest Baptist’s board of directors could be projecting up to an 8 percent reduction in operating expenses in fiscal 2014-15, which begins July 1. The sources say the board is contemplating a similar step in expense reduction for fiscal 2015-16.

The center reported to bond holders and rating agencies on Feb. 28 that it had $983.9 million in operating expenses through the first half of fiscal 2013-14. If it were to have $2 billion in operating expenses for the full fiscal year, an 8 percent reduction could represent about $160 million.

Operating revenue for the first half was up 4.5 percent to $960.4 million.

The center has about 13,000 full- and part-time employees, making it Forsyth County’s largest workforce. At least 950 job positions have been eliminated since a “re-engineering” initiative began in April 2012 that was projected to reduce expenses by several hundred million dollars.

When asked about another round of cost cutting, the center issued a statement Friday that said “the medical center is deeply engaged in its annual budgeting process and is continuing to proactively address the challenge of declining reimbursement for health care services. Since we are still in the planning cycle, it would be premature to comment further at this time.”

One source said that the board and Dr. John McCon nell, the center’s chief executive, are “rethinking the size of the expense base” and that the cuts “are not a one-time measure, although the hope is that through the reductions, the expense situation will improve. There is a need to expand the overall clinical platform to raise revenue.””

“The enhancements are similar to those of other academic medical centers and health systems in response to changes in federal health reimbursement formulas, higher mandated requirements for quality and infrastructure, new models of care delivery that are focused on value, and declines in federal funding for research and discovery.”

Read more:

http://m.news-record.com/news/article_fb40f586-c2c2-11e3-8af3-001a4bcf6878.html?mode=jqm

Also from above:

“Other industrywide challenges include more people without health insurance seeking medical help in its emergency department, which tends to increase the amount that hospitals are writing off as bad debt.”

More people without health insurance ???

From Citizen Wells November 15, 2012.

“Update: Wake Forest Baptist Medical Center to cut 950 job”

“Wake Forest Baptist Medical Center will lay off 76 employees this week and cut a total of 950 jobs by the end of next June, the center’s chief executive said today.

Dr. John McConnell said most of the cuts are administrative positions, but some faculty members could lose their jobs due to cuts in federal research funding. He also said 2012-13 revenue is being affected by “deep cuts in Medicare and Medicaid payments, which constitute nearly half of our health-care reimbursements.”

In a statement, the center said the cuts were being made “after a long and careful review of current staffing levels across the organization.”

The center said its restructuring is “designed to position the institution for success aligned with the challenges of health-care reform, federal budget deficits and a decline in research funding from The National Institutes of Health and private industry.”

https://citizenwells.wordpress.com/tag/nc-wake-forest-baptist-medical-center-to-cut-950-jobs/

From Citizen Wells November 25, 2012.

“That’s a delicate balance, said Mark Graban, a national expert and consultant on health care management who lives in San Antonio, Texas.

“It’s easy to add up the cost savings of reduced payroll,” he said. “But it’s hard to add up the side effect of those layoffs.”

He said layoffs are sweeping the industry. Graban referred to a report from the American Hospital Association that says hospitals will cut 93,000 jobs during 2013.

Wake Forest and other major hospitals across the nation pledge that nurse-to-patient ratios won’t change despite the job cuts. Graban said that simple pledge may only mask lingering problems that hurt the quality of patient care.

Nurses and other professional staff, for example, see the headlines, see friends who may be laid off and work in fear, he said.

“A lot of times, quality and good patient outcomes are a result of nurses and other staff going above and beyond,” Graban said. “My concern would be not that the professionals are going to get lazy, but are they going to continue to be motivated to go above and beyond?””

“The coming changes could cost North Carolina’s hospitals up to $7.5 billion over the next 10 years , Dalton said.”

https://citizenwells.wordpress.com/2012/11/25/obamacare-forces-93000-hospital-job-cuts-in-2013-nc-hospitals-costs-up-7-5-billion-the-next-10-years-medicare-and-medicaid-reimbursements-mass-layoffs/

 

 

Obamacare impacts medicare advantage plans, Physicians forced out, Patients losing doctors, Medicare Advantage covers 13 million, Billions of dollars in cuts to fund Obamacare

Obamacare impacts medicare advantage plans, Physicians forced out, Patients losing doctors, Medicare Advantage covers 13 million, Billions of dollars in cuts  to fund Obamacare

“If you like your plan, you can keep it.”…Barack Obama

“millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.”…NBC News October 29, 2013

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

From the Washington Post January 25, 2014.

“Doctors cut from Medicare Advantage networks struggle with what to tell patients”

“Thousands of primary-care doctors and specialists across the country have been terminated from privately run Medicare Advantage plans, sparking a battle between doctors who say patient care is being threatened and insurers that insist they have to reduce costs and streamline their operations.”

“Insurers say they must shrink their physician networks because they face billions of dollars in government-payment cuts over the next decade — reductions that are being used partly to fund insurance coverage for millions of people under the federal Affordable Care Act. They also say the smaller networks will allow them to curb premium increases and to remain nimble as they prepare for an influx of patients under the law.

Medicare Advantage, an alternative to traditional Medicare, covers 13 million beneficiaries, or 27 percent of the people in the federal health-care program for the elderly. Besides providing the standard benefits, the thousands of Medicare Advantage plans often offer extra perks such as free eyeglasses and adhesive bandages. They can do that because, for years, the government has paid the plans more, per patient, than it spends on regular Medicare.”

““It is an outrage. I have patients in their 80s and 90s who have been with me 20 years, and I’m having to tell them that their insurer won’t pay for them to see me anymore. The worst thing is I can’t even tell them why,” Vogelman said.

One of his patients, Jorge Otoya, 68, who is retired from Morgan Stanley’s trading desk, said he had tried, without success, to find a plan that includes both Vogelman and his primary-care doctor at New York University.

“I am a cancer survivor and have been going to this doctor for 15 years,” Otoya said. “He knows my system, left and right. I trust him. I called United Healthcare to protest, but they didn’t care.”

Medical associations say a number of insurers are trimming their networks this year, but the most dramatic reductions may be occurring in United Healthcare’s Medicare Advantage plan. With 3 million members, the AARP-endorsed plan is the largest of its kind in the nation.

United Healthcare said that it aims to reduce its national network of physicians by 10 to 15 percent by the end of 2014. The company declined to provide specific numbers, but medical associations say that in some states, thousands of doctors have been cut.”

Read more:

http://www.washingtonpost.com/national/health-science/doctors-cut-from-medicare-advantage-networks-struggle-with-what-to-tell-patients/2014/01/25/541bfbd8-77b4-11e3-af7f-13bf0e9965f6_story.html

 

Obama lies on Obamacare proven, California health insurance premiums increase 64 to 146 percent, Like your health insurance?, Job cuts new taxes increased costs, Affordable health care act???

Obama lies on Obamacare proven, California health insurance premiums increase 64 to 146 percent, Like your health insurance?, Job cuts new taxes increased costs, Affordable health care act???

“If you like your health care plan, you’ll be able to keep your health care plan.”…Barack Obama

“The Patient Protection and Affordable Care Act (PPACA)[1] imposes numerous tax hikes that transfer more than $500 billion over 10 years—and more in the future—from hardworking American families and businesses to Congress for spending on new entitlements and subsidies. In addition, higher tax rates on working and investing will discourage economic growth both now and in the future, further lowering the standard of living.”…Heritage Foundation

“Can we stop calling ObamaCare the Affordable Care Act now?”…Guilford College student

Obama lies on Obamacare have now been proven.

Why would anyone be surprised?

Some of Obama’s lies on Obamacare include:

Obamacare is not a tax.

Obamacare will keep health care costs down.

Obama is creating jobs.

You can keep your existing health care coverage.

From Forbes May 30, 2013.
“Rate Shock: In California, Obamacare To Increase Individual Health Insurance Premiums By 64-146%”

“One of the most serious flaws with Obamacare is that its blizzard of regulations and mandates drives up the cost of insurance for people who buy it on their own. This problem will be especially acute when the law’s main provisions kick in on January 1, 2014, leading many to worry about health insurance “rate shock.”

Last week, the state of California claimed that its version of Obamacare’s health insurance exchange would actually reduce premiums. “These rates are way below the worst-case gloom-and-doom scenarios we have heard,” boasted Peter Lee, executive director of the California exchange.

But the data that Lee released tells a different story: Obamacare, in fact, will increase individual-market premiums in California by as much as 146 percent.

Lee’s claims that there won’t be rate shock in California were repeated uncritically in some quarters. “Despite the political naysayers,” writes my Forbes colleague Rick Ungar, “the healthcare exchange concept appears to be working very well indeed in states like California.” A bit more analysis would have prevented Rick from falling for California’s sleight-of-hand.

Here’s what happened. Last week, Covered California—the name for the state’s Obamacare-compatible insurance exchange—released the rates that Californians will have to pay to enroll in the exchange.

“The rates submitted to Covered California for the 2014 individual market,” the state said in a press release, “ranged from two percent above to 29 percent below the 2013 average premium for small employer plans in California’s most populous regions.”

That’s the sentence that led to all of the triumphant commentary from the left. “This is a home run for consumers in every region of California,” exulted Peter Lee.

Except that Lee was making a misleading comparison. He was comparing apples—the plans that Californians buy today for themselves in a robust individual market—and oranges—the highly regulated plans that small employers purchase for their workers as a group. The difference is critical.

Obamacare to double individual-market premiums

If you’re a 25 year old male non-smoker, buying insurance for yourself, the cheapest plan on Obamacare’s exchanges is the catastrophic plan, which costs an average of $184 a month. (That’s the median monthly premium across California’s 19 insurance rating regions.)

The next cheapest plan, the “bronze” comprehensive plan, costs $205 a month. But in 2013, on eHealthInsurance.com (NASDAQ:EHTH), the average cost of the five cheapest plans was only $92.

In other words, for the average 25-year-old male non-smoking Californian, Obamacare will drive premiums up by between 100 and 123 percent.

Under Obamacare, only people under the age of 30 can participate in the slightly cheaper catastrophic plan. So if you’re 40, your cheapest option is the bronze plan. In California, the median price of a bronze plan for a 40-year-old male non-smoker will be $261.

But on eHealthInsurance, the average cost of the five cheapest plans was $121. That is, Obamacare will increase individual-market premiums by an average of 116 percent.

For both 25-year-olds and 40-year-olds, then, Californians under Obamacare who buy insurance for themselves will see their insurance premiums double.”

Read more:

http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/

From the Greensboro News Record May 30, 2013.

“Like your health care policy? Affordable Care Act may change it”

“Many people who buy their own health insurance could get surprises in the mail this fall: cancellation notices because their current policies aren’t up to the basic standards of President Barack Obama’s health care law.

They, and some small businesses, will have to find replacement plans – and that has some state insurance officials worried about consumer confusion.

Rollout of the Affordable Care Act is going full speed ahead, despite repeal efforts by congressional Republicans. New insurance markets called exchanges are to open in every state this fall. Middle-class consumers who don’t get coverage on the job will be able to pick private health plans, while low-income people will be steered to an expanded version of Medicaid in states that accept it.

The goal is to cover most of the nation’s nearly 50 million uninsured, but even Obama says there will be bumps in the road. And discontinued insurance plans could be another bump.

Also, it doesn’t seem to square with one of the president’s best known promises about his health care overhaul: “If you like your health care plan, you’ll be able to keep your health care plan.””

“”You’re going to be forcibly upgraded,” said Bob Laszewski, a health care industry consultant. “It’s like showing up at the airline counter and being told, `You have no choice, $300 please. You’re getting a first-class ticket, why are you complaining?'”

Obama’s promise dates back to June of 2009, when Congress was starting to grapple with overhauling the health care system to cover uninsured Americans. Later that summer, public anxieties about changes would erupt at dozens of angry congressional town hall meetings with constituents.

“If you like your health care plan, you’ll be able to keep your health care plan, period,” the president reassured the American Medical Association. “No one will take it away, no matter what.””

Read more:

http://www.news-record.com/news/local_news/article_9db16c44-c8b2-11e2-bc17-001a4bcf6878.html

From Citizen Wells November 25, 2012.

Wake Forest declined an interview request for this article. But it has said in other accounts that the roughly 6 percent staff cut is a pre-emptive measure for expected budget cuts and rising costs. And it expects remaining workers will become more productive as a result.

That’s a delicate balance, said Mark Graban, a national expert and consultant on health care management who lives in San Antonio, Texas.

“It’s easy to add up the cost savings of reduced payroll,” he said. “But it’s hard to add up the side effect of those layoffs.”

He said layoffs are sweeping the industry. Graban referred to a report from the American Hospital Association that says hospitals will cut 93,000 jobs during 2013.

Read more:

https://citizenwells.wordpress.com/2012/11/25/obamacare-forces-93000-hospital-job-cuts-in-2013-nc-hospitals-costs-up-7-5-billion-the-next-10-years-medicare-and-medicaid-reimbursements-mass-layoffs/

 

Thanks to commenter RMinNC.