Tag: Health Insurance Reform

Heath Shuler’s Impressive Zone Defense

I live in the NC-11 district, which succeeded in finally replacing slumlord Charles Taylor [a.k.a. “Chainsaw Charlie”] with ex-football heartthrob and semi-Democrat Heath Shuler in the ’06 election. I say semi-Democrat because he’s a member of the Blue Dog Coalition, though less of a hypocritical opportunist than most of the others. Thus he does a pretty good job of actually representing his constituency, which in this corner of southern Appalachia is quite conservative. He’s a local boy made good and a source of some pride for all, thus was the perfect candidate to field against Chainsaw Charlie. Largest source of income in this way-back corner of the state is tourism, so our beautiful forests and mountains are worth way more to us intact than as wood chips or parking lots for Charlie’s puppeteers.

Heath easily carried all 15 counties in the district in ’08, including Henderson, a county primarily populated by native apple farmers, wealthy lawyers and retirees from Florida, and New Jersey ex-pats with Italian surnames and bodyguards. Having met Heath several times during his original campaign, he’s a nice kid with a good heart and honest as the day is long, so I like him. He’s frustrating sometimes, but I’m enough of a realist to know most folks here aren’t nearly as leftist as me, and I’m not the only person he was elected to serve. We’re watching closely, and will take him down at primary as soon as he shows signs of selling out the real ag/tourism base as Charlie did.

The demographics are slowly but surely changing by attrition as the old folks die and lots of DFHs [Dirty F’king Hippies] move in to homestead the countryside and participate in A-ville’s growing reputation as “New Age Mecca.” I’ve got my issues with the DFHs too, but when they can be motivated to vote they are strongly progressive. We’ve a number of great colleges and Universities in the district as well, and students are also a reliable bloc for Dems. There is no doubt that one of these days it will be time to move farther toward the progressive end of the spectrum, so Heath may end up in the Senate if we can arrange for him to run against Burr while we replace him here.

Anyway, Heath is surprisingly bright for a jock, so you might be interested in how he’s handling the ugly Teabagger contingent mobilized to disrupt, harrass and incite violence at the town halls congressmembers are holding during this summer recess. There is a rather large and loud Teabagger contingent in this district, as terminally stupid as anyone else’s and nearly as spaced-out as the hard-core guru branches of the DFHs. Shuler has scheduled not one but two town hall meetings this recess, and if he didn’t play it smart things would no doubt get extremely ugly (most of the Teabaggers in this neck of the woods may always be assumed armed and dangerous).

Have you Hugged your Insurance Company Lately?

If you’re lucky enough to still have Insurance —

1 in 7 Americans Don’t have that Luxury, by the way —

Well you might not feel so Lucky, after learning how much more of the Insurance Premium tab, you have been picking up, over the last several years.

Health Insurance is a “Benefit” of Employmentyeah Right!

A Benefit to the Employer, to keep you locked in your lousy Job.

A Benefit to the Insurer, who has a guaranteed source of Income, every time you get a paycheck!

That “Lucky Insurance Policy” has been to costing you more and more, each year, while promising you less and less, in terms of coverage … this squeeze has been happening for years!

Something is seriously wrong with this Nation’s Broken Health Insurance system

They’re only numbers … the Unemployed, the Uninsured, the Unnecessary Deaths

Medical bills prompt more than 60 percent of U.S. bankruptcies

By Theresa Tamkins — CNN, June 5, 2009

This year, an estimated 1.5 million Americans will declare bankruptcy. Many people may chalk up that misfortune to overspending or a lavish lifestyle, but a new study suggests that more than 60 percent of people who go bankrupt are actually capsized by medical bills.

Bankruptcies due to medical bills increased by nearly 50 percent in a six-year period, from 46 percent in 2001 to 62 percent in 2007, and most of those who filed for bankruptcy were middle-class, well-educated homeowners, according to a report that will be published in the August issue of The American Journal of Medicine.

1.5 million Americans x 60% = 900,000 Americans

that’s about 2500 more people per day

… going bankrupt from medical bills, which were NOT covered by our broken Health Insurance system

Tear Down this Wall, Private Insurers!

There is a bit of a Cold War of sorts, raging between Private Insurance “providers” and your neighborhood Health Care professionals (and it’s NOT the Govt getting in between the two.)

It’s the battle over Claim Denials. It’s an “arms race” that just keeps escalating …

DMI: Denial Management, Inc — The Claims Solution People

The Problem:

One in seven claims are denied by insurance companies. This can cost your clinic or practice thousands of dollars every year.

http://www.claimsmgt.com/produ…

That’s about 15% of Claims, Insurers choose NOT to pay. So, Doctors need all the help they can get, to stay focused on Healing, NOT Bill Collecting!

Denial Management Services

Problem: Most Health Systems lose between 3% and 5% of net revenues as a result of payment denials.

Solution: Outsource your denied claims to DMI, the foremost industry leader in capturing additional revenue.

http://www.claimsmgt.com/compa…

The Insurer’s Drop List, keeps growing …

We learned last week from LA Times reporting, and from Congressional Hearings, that Insurance companies routinely try to drop your Insurance policy, if you happen to get one of their “Hot List” illnesses.

Getting any of these illnesses, can Trigger the Insurance Company’s “Cancellation Police”, into action.

Denial Specialists scour your medical history, and cross-check that against your application, looking for any reason to Cancel, or rescind, your Insurance policy, thus saving the Insurance Company untold thousands in future payments for your expected Care. Denial Specialists, of course, earn bonuses for each Policy they cancel. What a system!

Those 4 illnesses (out of the 1000+ such Triggers) previously disclosed are:

breast cancer, high blood pressure, lymphoma and pregnancy

Well thanks to the tough questioning of the Oversight and Investigations Sub Committee, at least 2 more Triggering Illnesses have been disclosed, as indicated in the video and transcript of the Hearing:

The 2 other newly disclosed “Drop List” illnesses, include:

ovarian cancer, and brain cancer

Who will the Senate Finance Committee Listen to?

Have you met your Senate Finance Committee?

Give em a call because your Future Health Care, or lack thereof, is in their hands.

Senate Committee on Finance

Members

REPUBLICANS

CHUCK GRASSLEY, IA

ORRIN G. HATCH, UT

OLYMPIA J. SNOWE, ME

JON KYL, AZ

JIM BUNNING, KY

MIKE CRAPO, ID

PAT ROBERTS, KS

JOHN ENSIGN, NV

MIKE ENZI, WY

JOHN CORNYN, TX

DEMOCRATS

MAX BAUCUS, MT

JOHN D. ROCKEFELLER IV, WV

KENT CONRAD, ND

JEFF BINGAMAN, NM

JOHN F. KERRY, MA

BLANCHE L. LINCOLN, AR

RON WYDEN, OR

CHARLES E. SCHUMER, NY

DEBBIE STABENOW, MI

MARIA CANTWELL, WA

BILL NELSON, FL

ROBERT MENENDEZ, NJ

THOMAS CARPER, DE

http://finance.senate.gov/site…

Chances are, these good Senators, while they hear us, have some other Constituents, always on their minds.

The Ailments that put you on the Insurer’s Drop List

If you’re going to need Health Care anytime soon, make sure you don’t “get” any of these more “costly” conditions:

breast cancer, lymphoma, pregnancy, or high blood pressure.

If you do, it will put you on the Insurer’s Radar, for possible Policy Cancellation …

Having the audacity of “Getting Sick”, can instantly turn you into a “Bad Investment” for “Big Insurance” … according to the latest info coming out of Senate Hearings into Insurance Company practices …

Been Denied Care? … take Hope, there IS a Solution!

cross-posted on the kos

About.com — Health Insurance

Question: What is a pre-existing condition exclusion period?

Answer: Insurance companies try to discourage people from waiting until they get sick in order to purchase health insurance. One way in which they do this is to impose pre-existing condition exclusion periods. This means that if you have a medical problem which exists at the time you enroll in or purchase your health insurance, the insurance company will deny all claims pertaining to this medical problem for a certain period of time.

(emphasis added)

http://healthinsurance.about.c…

So there IS Hope —

Just Stay at that Job Forever

Or NEVER get Sick —

And NO Problem!!!

They got you covered!  (as long as you can live with “Job Lock”)

Roll Back the Bush Tax Cut to Pay for Health Reform

I caught the Randi Rhodes show today. She was suggesting that all we have to do to pay for Health Care Reform, including a Public Option, was to just Roll Back the Bush Tax Cuts!

What a Brilliant Idea!

Thanks Rhandi … (So glad you’re back btw)

As it turns out, we just need to let the Bush Tax Cuts Expire, when they are due to “sunset” (ie. Don’t Renew them!)

When Would the President’s Tax Cuts Expire?

by Andrew M. Grossman – April 21, 2004

In 2001 and 2003, President George W. Bush proposed and Congress passed a series of tax cuts to reinvigorate the economy and reduce the government’s burden on workers’ paychecks. Because of opposition to these measures from some in Congress, they were implemented as temporary tax cuts, all of which will expire by January 1, 2011.

http://www.heritage.org/Resear…

We NEED a Choice, OTHER than, Private “Insurers”

Rockefeller on Health Insurance Industry Practices

Mar 27 2009

PRESS RELEASE — SENATOR JAY ROCKEFELLER.

WASHINGTON, DC – Senator John (Jay) Rockefeller, Chairman of the Senate Committee on Commerce, Science, and Transportation, held a full committee hearing this week entitled, “Deceptive Health Insurance Industry Practices – Are Consumers Getting What They Paid For?

[…]

A recent investigation conducted by the Attorney General of New York concluded that for a number of years, the insurance industry has systematically under-estimated the out-of-network reimbursement rates it pays its policy holders, costing consumers billions of dollars in excessive out-of-pocket costs. The victims of this deceptive practice – more than 100 million Americans who pay for health insurance coverage that allows them to go outside of their provider network for medical care.

(Emphasis Added)

Press Release

Baucus is only the Symptom of a much more Chronic Condition

Did you Vote for Change?

for Accountability; for leveling the playing field; for National Health Care?

Well, your vote apparently doesn’t carry as much weight as it use to.

Here’s one of the main reasons why:

U.S. Democracy Under Siege — Senate Debate Excerpts

Excerpts from the Congressional Record of the October 14, 1999 Senate debate.

The following is a tabulation, for clarity, of the figures cited by Mr. Feingold:

1980 1992 1996
Total soft money contributions to parties ($millions) under 20 86 about 250
# of donors giving over $200,000 52 219
# of donors giving over $300,000 20 120
# of donors giving over $400,000 13 79
# of donors giving over $500,000 9 50
# of companies giving over $150,000 to each of the political parties (“double givers”) 7 43

 (emphasis added)

http://urielw.com/campfin.htm

There has been a tidal wave taking place, that threatens to swamp our fragile system of Democracy.  Indeed it probably already has …

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