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Posts tagged ‘Health Insurance’

Insurance Industry Opposes Republican Health Bill


By Chip Bok of http://bokbluster.com/2017/09/23/insurance-industry/ | September 23, 2017   

Fortune seemed surprised that insurers oppose last ditch Republican efforts to replace and repeal ObamaCare. As usual, the industry’s concern is for consumers.

Insurance Industry Explains Why

Industry spokesmen displayed their concern in an article titled “Even the Insurance Industry is Against the Latest GOP Health Care Plan”:

Despite the general view that health insurance companies would benefit from a free and open market, two of the biggest trade groups for insurers — Blue Cross Blue Shield Association and America’s Health Insurance Plans — announced their first opposition to the Republicans’ latest plan to repeal and replace Obamacare.

Both the Blue Cross and the AHIP came out against the so-called Graham-Cassidy bill Wednesday, arguing that the legislation would lead to an unstable market that would harm both insurers and patients. 

“The bill contains provisions that would allow states to waive key consumer protections, as well as undermine safeguards for those with pre-existing medical conditions,’’ the Blue Cross association said in a statement. “The legislation reduces funding for many states significantly and would increase uncertainty in the marketplace, making coverage more expensive and jeopardizing Americans’ choice of health plans.”

The AHIP doubled down on those sentiments, writing that the bill “would have real consequences on consumers and patients by further destabilizing the individual market” and could “potentially allowing government-controlled, single payer health care to grow,” in a letter to Senate majority and minority leaders Mitch McConnell (R-Ky.) and Chuck Schumer (D-N.Y.).

The insurance trade associations’ resistance joins a number of health care groups already speaking out against the proposed bill, including the American Medical Association, the American Hospital Association and the American Association of Retired Persons.

The Graham-Cassidy bill, named after two of its drafters, Sens. Lindsey Graham (R-S.C.) and Bill Cassidy (R-La.), has a voting deadline of Sept. 30. The Senate is expected to vote on the legislation next week after several previously unsuccessful attempts earlier this year.

President Donald Trump talked up the bill Wednesday, saying that it has “a very good chance” of passing in the Senate.

McCain Health Care Bill Kills


By Chip Bok of http://bokbluster.com/2017/09/23/mccain-health-care-bill-kills/ | September 23, 2017

McCain

Senator McCain sided with Jimmy Kimmel in shooting down best bud Lindsey Graham on Friday. He announced he would vote “no” on the Graham Cassidy health care reform.

Two McCain Bill Kills

Those in the know think that pretty much kills the bill. And that would make two health bill kills for McCain.

Damn, should have drawn that on the fuselage.

This Week’s Ann Coulter Letter: How Delta Airlines Wrecked American Health Care


Commentary by Ann Coulter 

URL of the original posting site: http://humanevents.com/2017/07/19/how-delta-airlines-wrecked-american-health-care/

I think I’ve found the core problem with health care in America. And guess what? It involves Delta Airlines!

A few weeks ago, MSNBC’s Rachel Maddow was going on and on about a “single insurance provider” that pays for 49 percent of all births, as well as full health care costs of almost 40 percent of all children in the United States. This single “insurer,” Maddow said, was the biggest “health insurance provider in the country by a mile.”

Maddow was talking about Medicaid, which, of course, is not “insurance” but “welfare.”

When we’re allowed to call things whatever we want in order to win an argument, there is a total breakdown in democratic politics, fair commerce and social interaction.

Thus, for example, until we get our terms straight, Americans will be forced to keep paying through the nose whenever they try to buy actual health insurance — because they aren’t buying health insurance; they’re paying for other people’s welfare. Washington will never be able to make it legal to sell real health insurance — because, if they try, the welfare recipients will mob congressional offices claiming that Republicans are murdering them.

There is no truth in any discussion of Obamacare. Currently, the most persistent lie is the claim that — according to scoring by the CBO! — 22 million Americans would “lose” their health insurance under the Senate health care bill. Turn on the TV right now and you’ll hear someone saying this.

“A new (CBO) budget score said 22 million more Americans would lose health coverage under this plan …”

— Poppy Harlow, CNN, June 27, 2017

“A score from the Congressional Budget Office … said the Republican bill to kill Obamacare would kick 22 million Americans off their health insurance.”

— Rachel Maddow, June 27, 2017

“The clock is ticking on the Senate health care bill as the CBO estimates 22 million people will lose their insurance.”

— Chris Hayes, June 26, 2017

HELLO? REPUBLICANS? ANY OF YOU GUYS WANT TO REBUT THAT? IT’S PRETTY EASY TO DO!

The actual CBO report says nothing of the sort. People citing the “22 million” figure didn’t read past the CBO’s headline-grabbing paragraph at the top of the “Summary” page.

In fact, the CBO merely estimates that — in the year 2026 — 22 million Americans who otherwise would have been forced by the Obamacare penalty to buy health insurance will choose not to buy insurance once the penalty is gone. By “people thrown off their health insurance,” liberals mean: “people who voluntarily decide not to have health insurance.” (More accurately, “people who choose not to prove to the government that they have health insurance.”)

To use the word “lose” here is absurd. It would be like saying that Nixon ending the draft meant that 50,000 American men would “lose” their military service. The poor lads would be forced to volunteer.

Last year, I chose to end my New York Times subscription. I wasn’t “thrown off” the Times’ subscriber list. In full possession of the facts, I made an informed decision that I no longer wanted to receive the Times — just as 22 million Americans (the CBO guesses) will make an informed decision in the year 2026 not to have health insurance, if given that option.

Redefining words like “insurance” and “lose” to mean whatever the speaker wants them to mean makes human conversation impossible. We can still grunt, howl and shiver when it’s cold, but we will no longer have the ability to communicate slightly more complex thoughts to one another.

The only solution is for the rest of us to impose a broken windows policy on the truth, demanding it in every walk of life. If liars continually get away with it, their lies will only become more preposterous and more enraging.

Illegal aliens are not “undocumented immigrants.” They’re not “immigrants” at all. Immigrants wait in line and jump through hoops to be here. They are invited, by us, to come. Illegals cut to the head of the line whenever the mood strikes them, without waiting for an invitation.

When you have a “reserved seat” on Delta, it means you expect to be given that seat and not have your ticket snatched from your hand, then moved to a worse seat — only to get abused on social media by an imperious corporation for talking about it on Twitter.

(Idea for new Delta motto: “If you like your seat, you can keep your seat!”)

This is why the “Seinfeld” exchange with a car rental company struck such a chord. It was about the infuriating result when words like “reservation” have no meaning:

Jerry: I don’t understand. I made a reservation. Do you have my reservation?

Rental car agent: Yes, we do. Unfortunately, we ran out of cars.

Jerry: But the reservation keeps the car here. That’s why you have the reservation.

Rental car agent: I know why we have reservations.

Jerry: I don’t think you do. If you did, I’d have a car. See, you know how to take the reservation, you just don’t know how to hold the reservation. And that’s really the most important part of the reservation: the holding. Anybody can just take them.

If we’re going to have any kind of civil society, we need to insist that words mean what they say.

“Health insurance”: A group of people pooling their money every month, in the event that one of them ends up with an expensive medical problem.

“Wall”: Wall.

“Republican”: Does not raise taxes, propose amnesty or appoint David Hackett Souter to the Supreme Court.

“Seat 3A”: The seat you were promised.

Unless the rest of us demand truth, the liars will be emboldened, their lies will snowball and nothing will ever work.

Obama Punishes Kansas for De-Funding Planned Parenthood by Cutting Its Medicaid Funding


waving flagReported by Steven Ertelt   Aug 26, 2015   |   Washington, DC

Abortion monster

The measure has the state budget directing over $300,000  in Title 10 money to local full-service health clinics instead of Planed Parenthood and it places $300,000 into the Stan Clark grant-matched fund for pregnancy support and adoption counseling. The funding cuts eventually resulted in the Planned Parenthood abortion business closing one of its centers.

PP MonsterNow, the Obama administration, in the wake of additional states cutting Planned Parenthood funding following the massive scandal, is going after one state that already cut tax-funding to the abortion company. According to an AP report: “The federal government reduced its Title X funding to the state by about the $370,000 annually in Title X money that two Planned Parenthood facilities in Wichita and Hays and an unaffiliated clinic in Dodge City had been receiving.”

While Kansas revoked taxpayer dollars for an abortion business, the Obama administration’s decision hurts women’s health and deprives them of legitimate medical and health care.

As AP reports, “Medical providers say that means low-income patients are finding it harder to access birth control, cancer screenings and other reproductive health care services. People have fewer places to go, and for those with limited means that may make utilizing those services even more difficult,” said J’Vonnah Maryman, director for public health at the Sedgwick County Health Department.Bull

In terms of the pro-life law de-funding Planned Parenthood, the insurance portion of the legislation prohibits private health insurance companies from forcing enrollees to pay for abortions and it makes those who want to potentially have abortion coverage pay for an insurance rider. It also ensures abortions can’t be paid for with taxpayer dollars through the state exchanges set up under the federal Obamacare health care law.

ACTION: Thank Governor Brownback at https://governor.ks.gov/

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California Orders Churches To Fund Abortions—Or Else


MId Term drawing

22, 2014 By

Read More At: http://thefederalist.com/2014/10/22/california-orders-churches-to-fund-abortions-or-else/

Tyranney Alert

California Orders Churches To Fund Abortions—Or Else

A regulatory change in California has placed abortion in the category of ‘basic health services’ all insurance plans must cover. Even those churches buy. Photo John Ragai / Flickr

For the past four years, the Obama administration and its friends on the Left were careful to claim that they still strongly support religious liberty while arguing that Hobby Lobby’s Green family, Conestoga Wood Specialties’ Hahn family, and others like them must lose. Principally, they contended, religious liberty protections could not be applied to Hobby Lobby because (1) It is a for-profit corporation, (2) It isn’t a church (and thus not a true “religious employer,” and (3) It is wrong on the science—Plan B, a copper intrauterine device, et cetera, they claimed, do not cause abortions. They implied, if not claimed outright, that they would surely support religious freedom in another case, but Hobby Lobby was unworthy to claim its protections.

The State of California is now calling their bluff. California’s Department of Managed Health Care has ordered all insurance plans in the state to immediately begin covering elective abortion. Not Plan B. Not contraceptives. Elective surgical dismemberment abortion.

At the insistence of the American Civil Liberties Union, the DMHC concluded that a 40-year-old state law requiring health plans to cover “basic health services” had been misinterpreted all these decades. Every plan in the state was immediately ordered, effective August 22, to cover elective abortion. California had not even applied this test to its own state employee health plans (which covered only “medically necessary” abortions). But this novel reading was nevertheless quietly imposed on every plan in the state by fiat.

The news has slowly leaked out as insurers grappling with this change have begun quietly informing employers of this sudden change in the terms of their policy. This is howCP 01 Kaiser Permanente broke the news to one California church that its insurance policy for its pastors and staff would now include elective abortion coverage:

I want to formally share with you that on August 22, 2014, the Department of Managed Health Care (DMHC) notified Kaiser Permanente and other affected health plans in writing regarding group contracts that exclude ‘voluntary termination of pregnancy.’

This letter made clear that the DMHC considered health care services related to the termination of pregnancies – whether or not a voluntary termination – a medically necessary basic health care service for which all health care services plans must provide coverage under the Knox-Keene Health Care Service Plan Act.  You may recall that at the request of some employer groups with religious affiliations, Kaiser Permanente submitted a regulatory filing in May 2012 properly notifying the DMHC of a benefit plan option that excluded coverage of voluntary terminations of pregnancies. The DMHC did not object to this filing, permitting Kaiser Permanente to offer such a coverage contract to large group purchasers that requested it. The DMHC acknowledged that it previously permitted these contract exclusions, but now is requiring health care service plans to provide coverage of all terminations of pregnancies, effective immediately.  To that end, the DMHC requires Kaiser Permanente and similar health care service plans to initiate steps to modify their plan contracts accordingly.

Effective August 22, Kaiser Permanente will comply with this regulatory mandate.

police_stateChurches Can Exclude Chemical Baby Killing, But Not Surgical

Several other California churches have received similar notices from their insurers, and others will follow. While California (like the U.S. Department of Health and Human Services, or HHS) exempts churches from its contraceptive mandate, there is no exception to this bureaucratic abortion mandate. This leaves California churches in the illogical and impossible position of being free to exclude contraceptives from their health plan for reasons of religious conscience but required to provide their employees with abortion coverage.

This California mandate is in blatant violation of federal law that specifically prohibits California from discriminating against health care plans on the basis that they do not cover abortion. Alliance Defending Freedom and Life Legal Defense Foundation have filed administrative complaints with the HHS Office of Civil Rights (which oversees this federal law) on behalf of individual employees and seven California churches forced into abortion coverage in violation of their conscience.

What will be the administration and the Left’s response to this unprecedented attack on religious liberty? If they couldn’t stand with Hobby Lobby because it was a for-profit business, not a church, and because they thought its conscience concern was misplaced on the abortifacient nature of Plan B, will they now demand religious liberty for churches forced to cover elective abortion? If not now for religious liberty, when?

Do the administration and the left-wing commentariat continue to see any life in the First Amendment’s religious liberty protections at all? The Left’s response to California’s abortion mandate will reveal whether their claims of respect for religious liberty in the Hobby Lobby case were serious or mere fig leafs for an even more dismal view of religious liberty than they have let on.

Article collective closing

Rubio: Policy Cancellations Were ‘Intended Consequence’ of Obamacare


http://www.newsmax.com/Newsfront/marco-rubio-obamacare-cancel-policy/2013/10/30/id/533984?ns_mail_uid=35982895&ns_mail_job=1544018_10312013&promo_code=1565D-1#ixzz2jKNryT4W

Wednesday, 30 Oct 2013 09:41 PM

By Greg Richter

Image: Rubio: Policy Cancellations Were 'Intended Consequence' of ObamacareSen. Marco Rubio, R-Fla., isn’t buying the argument that the policy cancellations resulting from Obamacare are an unintended consequence of the law.

“It wasn’t an unintended consequence. It was an intended consequence,” Rubio said Wednesday on Fox News Channel’s “On the Record with Greta Van Susteren.”  “This was done on purpose because they want to undermine and gut the individual marketplace.”

Rubio didn’t elaborate, but he signed on to a bill introduced Wednesday by Sen. Ron Johnson, R-Wis., that would allow people to keep current policies they like even if current rules say they can’t.

Editor’s Note: 22 Hidden Taxes and Fees Set to Hit You With Obamacare. Read the Guide to Protect Yourself. 

Conservative talk radio host Rush Limbaugh has long maintained that Obamacare is a step toward a single-payer plan that essentially would put every American on government-sponsored insurance.

“I’m fully convinced that the chaos that’s happening now could well be intentional to speed it up,” Limbaugh said on his radio show Tuesday.

Limbaugh repeatedly has played clips of President Barack Obama saying in 2003 and 2007 that he wants to eventually move toward a single-payer system.

Obama 2003In 2007, Obama told an AFL-CIO Civil, Human and Women’s Rights Conference:

“My commitment is to make sure that we’ve got universal healthcare for all Americans by the end of my first term as president. I would hope that we set up a system that allows those who can go through their employer to access a federal system or a state pool of some sort, but I don’t think we’re going to be able to eliminate employer coverage immediately. There’s going to be potentially some transition process. I can envision a decade out or 15 years out or 20 years out.”

Urgent: Should Obamacare Be Repealed? Vote Here Now!

Obamacare’s Secret Is Out


http://blog.heritage.org/2013/10/15/obamacares-secret-is-out/

 By 

Timing is everything. And just as Congress’s focus seems to be drifting from Obamacare’s ravages on the economy, Americans are learning the reason this law’s implementation was postponed until after the presidential election.

That reason is becoming clear as person after person opens the mail. Insurance costs are going up. For many, not just going up—skyrocketing.

Ross, a married father of three small boys in Florida, tells us his insurance will be going up $525 per month. “I feel completely helpless,” he says.

Kevin, who also has three small boys, just found out his wife’s individual health insurance premium will be jumping from $79 per month to $311.82 per month.

“For whom exactly is the Affordable Care Act making care affordable?” asked Kevin, who lives in Alabama.

>>> Read here about how to send us your insurance hikes

But this isn’t all. While people are receiving notices that their premiums are going up or perhaps their health plans are being discontinued, there’s a secret in Obamacare’s exchanges, too.

One of the reasons the Obamacare website has been so slow and glitchy? It requires people to enter personal information before they’re able to see insurance plan options. Health and Human Services does this so that if you’re eligible for a subsidy, you won’t see the true cost of your health plan.

Obamacare is laden with mandates that are driving up the cost of health insurance. And it didn’t stop with the original law. Federal bureaucrats are continuing to write more Obamacare regulations. One estimate is that these paper pushers have added 30 words of regulations for every word in the original law.

No small tweak to Obamacare can fix this. No small tweak can give relief to these hard-working dads who are supporting their families and getting the wind knocked out of them by hundreds of dollars in insurance hikes.

If Congress does anything less than defund Obamacare, it is turning its back on all of these suffering Americans.

I’ve Had it With the Health Insurance Diatribe


Once again the subject of health insurance has hit the topics of discussion with the anniversary of President Obama’s Socialist Medical Program. During the original arguments, I got real tired of hearing the pundits on all sides make statements that were not true, misleading, and down-right ignorant of the Health Insurance Industry. Today, I heard more conversation and the same misinformation.Let’s discuss some facts you have NOT heard on television, radio are any news outlet;

  1. First fact: Insurance, of any kind, is purchased to give you coverage against a loss. NO INSURANCE COMPANY WILL INSURE A BUILDING WHILE IT IS BURNING. You might say, “Well of course”. Remember that when you hear any discussion of preexisting conditions. Some of those preexisting conditions are the equivalent of a BURNING BUILDING. You’re asking the Insurance Company to BUY CLAIMS IN ADVANCE OF COVERAGE. You wouldn’t so that, and neither do smart insurance companies.
  2. The first question all these pundits need to be asked is, “Do you know how a health insurance premium is determined? What is the formula”? No, they don’t know and that is why they are talking out of their hat.
    1. The formula is M – I + L = Gross Premium. Mortality minus Interest made from investing a determined amount of the premium (it’s the interest off the investments that pay the medical bills. You can’t collect a dollar of premium and pay a dollar of medical bills. That’s bankruptcy) plus the Loading which is the cost of doing business.
    2. Actuaries establishes the statistical probability of medical claims based on age, sex (proven statistic that women use medical practices more than men and THAT is the reason they cost more to insure), ZIP CODE and other factors. that gives the insurance company the Mortality number they need to start the formula.
        1. Before you say anything about the ZIP CODE. It is a fact that some Zip Codes use more of the Medical Community than other Zip Codes. For example, the 900 set of Zip Codes (Los Angeles) are some the most expensive Zip Codes in America. They have one of the largest population of illegal immigrants, legal immigrants from countries that offer social medicine and people in general who cannot afford medical care. All of them use the Emergency Departments of Hospitals for their primary care. That drives up cost, because someone has to cover that cost. It is added to all of us through the Actuaries who use that as one of their statistics.
        2. That is why Health Premiums to cover the same person or family in one Zip Code will be less than another. For example, I had some clients leave Southern California and move to Arizona. Their premiums went down almost half. That’s why you hear these ignorant pundits cry about not crossing State lines to buy insurance. You can do that now, however, you’ll have to drive to Arizona to get your care.
    3. Every State has its own Department of Insurance to regulate who sells what in their State. This is supposed to protect the citizens from false companies selling a product that is no good. However, some of these DOI’s are themselves corrupt seeing to it that only the companies they like can sell in their State.
      1. Each DOI also determines what has to be covered. That varies from State to State, which also determines the prices Health Insurance Premiums. Most pundits don’t want that, and think it corrupt of the insurance industry to charge more to cover more. REMEMBER THE BURNING BUILDING?
      2. That is also why your health insurance coverage might not cover you while you’re traveling. Check the fine print.
    4. The only time health insurance covers you Nationwide is GROUP Coverage. Here the DOI’s have cooperated in the coverage. A Company want to provide health coverage for their people, and they have offices within the State (Zip Code issues), and in other States (Coverage issues). In the company are people with preexisting conditions. So the negotiation begins. The Insurance Company agrees to take a certain amount of risk on those preexisting people in exchange that the company provide coverage for everyone. The Insurance company knows that 20 somethings rarely use their coverage and know they will have less LOSS with them.
      1. Organizations like the NASE have Lobbied Congress aggressively to allow business associations across America to be able to buy Group Insurance. That would allow self-employed people to organize a common association to buy Group Health Insurance Coverage. The larger the group, the better the price they could negotiate better premium rates, and cover their uninsurable employees. This is a GREAT idea, and a major solution to our National Health Coverage Crisis. It is also one of the simplest solution that would cost our government NOTHING. Congress has not budged yet. If they (the Socialist) did, they would lose one more control over American business. By the way. The Self Employed (1 to 8 employees) are the number one employer in America. What a group if anyone got them organized.

Any Insurance Company, insuring anything, has to accept a certain amount of risk in underwriting coverage. Remember, the claims you file are paid with the ROI (Return on Investment) of the part of the premium you gave them to cover your possible loss. I’ve always maintained that the Insurance Companies with the highest cash reserves (ROI) is the company best able to pay a claim in any emergency. I can’t trust a company that is constantly reorganizing because of internal financial problems. They can’t pay their bills, how are they going to pay my claims?

Yes, Health Insurance Companies are in business to make money, and yes some have gone from profitable to greed. The market usually takes care of them because of competition. However, when any State DOI manipulates competition by corrupt practices by allowing only certain companies to sell in their State, that means those citizens are usually not getting the best return on their health care coverage choices.

The solution is simple. Get the Federal Government OUT of the Health Insurance Business. Pass the law allowing self-employed people to form national organizations for the purpose of negotiating for Group Coverage. Elect State Department of Insurance Heads that will drop the unfair competition restrictions, elect State Representatives that will get OUT of the Health Insurance Mandates.

I do not represent that I’ve covered everything about this subject. I have tried to cover the relevant. I welcome your reaction.

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