It's About Liberty: A Conservative Forum

Topics => Politics/Legislation/Elections => Topic started by: Maddy on October 29, 2013, 11:28:40 AM

Title: Interesting - www.icouldntkeepmyplan.com
Post by: Maddy on October 29, 2013, 11:28:40 AM
Interesting - www.icouldntkeepmyplan.com (http://icouldntkeepmyplan.com/)

Scary - just one of the examples:

Quote
290 PERCENT INCREASE IN PREMIUMS…FROM $248/MO TO $968/MO…LOSING CURRENT PLAN “DUE TO ACA REGULATIONS” 290 Percent Increase in Premiums Click image above to see supporting document

I just received my notice from BCBSNC of my new medical insurance premium. I now pay $248.18 for a high-deductible policy for my wife and me. According to the attached, the equivalent policy under ObamaCare will cost me $968.48.”

“I called BCBSNC and they verified that this was not an error or a joke. The letter also listed all the great things I get in return for a premium increase of 290%: maternity & newborn care [I am 55, no more babies planned], dental & vision for children, habilitative [is that a word?] care, and increased benefits for mental health and substance abuse. Clearly we are not going to see a $2,500/year reduction in premiums.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on October 29, 2013, 11:41:37 AM
(http://iowntheworld.com/blog/wp-content/uploads/2013/10/opiphany.jpg)

http://iowntheworld.com/blog/?p=210404 (http://iowntheworld.com/blog/?p=210404)

New Ted Cruz vid - http://im41.com/archives/40379 (http://im41.com/archives/40379)

Obama hates Ted...

(http://im41.com/wp-content/uploads/2013/10/Obama-Ted-Cruz.jpg)
http://im41.com/archives/40373 (http://im41.com/archives/40373)

Go Ted Go!   ::whoohoo::
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: ToddF on October 29, 2013, 11:56:32 AM
My new favorite word, O'piphany.

 ::thumbsup::
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Weisshaupt on October 29, 2013, 12:44:34 PM
Ann's Take (http://www.barnhardt.biz/2013/10/28/why-cant-i-keep-my-insurance-because-youre-stupid-sweetie/)

Quote
Why can’t I keep my insurance?” Because you’re stupid, sweetie.
Okay.  This all goes to my screaming rants that people are responsible for their government.  I’m getting really sick of people acting all indignant and acting like they’re being ambushed by this whole ObamaCare thing.

“Er my gawsh, y’all!  My insurance bill just quadrupled.  I’m serious you guys!”

Well, no kidding.  What in the blue firey blazes did you expect?  Let’s see.  Insurance is risk pooling.  A bunch of people get together and pay a small amount of money into a pool, and then when one of the people has an adverse event happen to them, the frequency of which can be broadly statistically predicted, then the pool pays out to the unlucky person who had the adverse event happen to them.

Now let’s see.  From DAY FLIPPING ONE the Obama regime has been saying that mean old insurance companies will not be able to turn away customers with pre-existing conditions – in other words, insurance companies will have to let people JOIN THE RISK POOL … AFTER THE RISK EVENT HAS ALREADY HAPPENED.

Um, yeah.  That is the total, complete destruction of the entire insurance paradigm.  This isn’t my opinion.  This is a mathematical fact … an extremely simple and elementary mathematical fact.  If people who have already had the adverse risk event happen to them must be allowed into the risk pool, then it is no longer a risk pool.  It is a wealth redistribution scam that victimizes the TOTAL, COMPLETE MORONS who enter and pay into the “pool” without already having had the risk event happen to them.

How can a nation of 330 million people, iniquitous gutter republic though it may be, not understand this?  How can a nation of 330 million people have their tyrannical regime tell them in no uncertain terms that the entire insurance paradigm is going to be destroyed by said regime, and then when it happens everyone acts all shocked?

Oh, and then add onto that the fact that ObamaCare requires insurance to cover all kinds of bee-ess “preventative” and “elective” services.  Well, if every single person in a risk pool is guaranteed to have a claim because the coverage is no longer for catastrophes, but also for purely non-emergent, elective pseudomedicine and outright quackery, then what do you expect?  The “pool” has to collect more than it pays out.  Period.

Finally, Karl Denninger broke the news today that most ObamaCare-compliant insurance has wicked in-network restrictions.  As in if you receive any healthcare “out of network” you get ZERO coverage – and there is not one word of disclosure of any of this until AFTER you have bought the policy.  And “out of network” has gone from generally meaning within a STATE to within a COUNTY, because, you know, competition is BAD or something.

So let’s recap.  ObamaCare requires you to pay for slaughtering babies.  We have known this for years.  It utterly destroys the insurance paradigm by mathematical definition and necessity.  We have known this since day one because it is a pure function of logic and math.  Doctors and health professionals are retiring and quitting by the thousands.  This has been happening for years.  Your insurance premiums, which are now “mandatory” according to the state – yes, the state is now dictating to you that you MUST purchase a SERVICE COMMODITY as a condition of LEGALLY WAKING UP BREATHING in the iniquitous gutter republic and steaming satanic cesspit of baby-killing, sodomy and theft formerly known as the united states of america, have now skyrocketed, and you would have to be dumber than a box of hair to not see that coming.

Well, at what point does the inability to think through excruciatingly simple logical progressions and their inevitable consequences become moral culpability?  At what point does the tolerance of the utterly irrational call down the thunder upon one’s own head?  At what point does shrugging one’s shoulders at the blood-soaked ground beneath one’s own feet and muttering some sissy bee-ess about “not having any choice” become full-blown cooperation?

Right now.  Right. Flipping. Now.

ObamaCare is yours now.  YOU personally own it, because you refuse to do ANYTHING to stop it, and you have known from day one what it was and thus what it would do.

1. Media strike
2. Tax strike
3. General strike
4. Armed counter-revolution

Step 4 should have happened YEARS ago.

Please note that sitting on your butt and sending emails to all of your friends saying, “Isn’t this awful,” and, “Someone really should do something about this,” isn’t accomplishing anything, and your inaction is emboldening the enemy with each passing day.

Hoist the Battle Standard of Jesus Christ and FIGHT FIGHT FIGHT!
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on October 29, 2013, 07:35:08 PM
My new favorite word, O'piphany.

 ::thumbsup::

I figured you'd like that!

See Ted's latest quip about Stymie?

Idiot Ramos grilling Ted over comments Ted's father made...where was this jackass when friends of SCoaMF were saying crap?  Plus, I thought libiots always promoted the relativity test...gotta be in those shoes blah blah blah...Ted's father knows a dictator when he sees one, Ramos you jackass!  Anyway...

I think he has absolutely been abusing his power and when you have a president who says "regardless of whether Congress acts I'm going to force my agenda on the American people," that's wrong, that's not consistent with our constitutional protections.
http://fusion.net/justice/story/ted-cruz-obama-absolutely-abusing-power-165870 (http://fusion.net/justice/story/ted-cruz-obama-absolutely-abusing-power-165870)

Hell yeah that clown is abusing power every damned day!
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pablo de Fleurs on October 29, 2013, 07:49:33 PM
Neil Cavuto rips Obbie a new one & then biotch-slaps President shoe-shine boy:

http://therightscoop.com/watch-neil-cavutos-fantastic-monologue-summing-up-how-americans-feel-about-obama/ (http://therightscoop.com/watch-neil-cavutos-fantastic-monologue-summing-up-how-americans-feel-about-obama/)
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on October 30, 2013, 07:43:06 AM
When Cavuto is allowed to get his blood up he can be quite good at scathing critique!

Unfortunately given our feckless Pubbie leadership across the nation...this is the extent of our joyful moments...

In the face of so much mounting tyranny, oppression, corruption and lies...we are unable to do anything materially constructive to stop one damned bit of it!

I guess God has forsaken us because we have forsaken Him...

 :'(
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: oldcoastie6468 on October 30, 2013, 11:34:51 AM
My new favorite word, O'piphany.

 ::thumbsup::

I figured you'd like that!

See Ted's latest quip about Stymie?

Idiot Ramos grilling Ted over comments Ted's father made...where was this jackass when friends of SCoaMF were saying crap?  Plus, I thought libiots always promoted the relativity test...gotta be in those shoes blah blah blah...Ted's father knows a dictator when he sees one, Ramos you jackass!  Anyway...

I think he has absolutely been abusing his power and when you have a president who says "regardless of whether Congress acts I'm going to force my agenda on the American people," that's wrong, that's not consistent with our constitutional protections.
http://fusion.net/justice/story/ted-cruz-obama-absolutely-abusing-power-165870 (http://fusion.net/justice/story/ted-cruz-obama-absolutely-abusing-power-165870)

Hell yeah that clown is abusing power every damned day!

How about Osh*thead?
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pablo de Fleurs on October 30, 2013, 11:40:26 AM
I was just out driving around listening to Rush list [again] the exemptions to unions, Congress, etc. for Obmacare – and had a thought…

…is there any way “Equal Protection” could come into play in a lawsuit against the administration/government for not being equally protected/insulated from the devastating effects of this legislation.  It would almost be a reverse variant of equal protection as usually the plaintiff is seeking the same rights as another group.

Does anyone have insight or knowledge of how this might work?
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on October 30, 2013, 11:45:47 AM
Still lying their asses off without any shame whatsoever!

http://www.thegatewaypundit.com/2013/10/sebelius-testifies-obama-kept-his-promise-americans-arent-losing-health-care-plans-video/ (http://www.thegatewaypundit.com/2013/10/sebelius-testifies-obama-kept-his-promise-americans-arent-losing-health-care-plans-video/)

These criminals need to have their asses beaten into mush!
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pandora on October 30, 2013, 11:53:26 AM
I was just out driving around listening to Rush list [again] the exemptions to unions, Congress, etc. for Obmacare – and had a thought…

…is there any way “Equal Protection” could come into play in a lawsuit against the administration/government for not being equally protected/insulated from the devastating effects of this legislation.  It would almost be a reverse variant of equal protection as usually the plaintiff is seeking the same rights as another group.

Does anyone have insight or knowledge of how this might work?

Not a lawyer, didn't stay at a Holiday Inn last night either.  Maybe LV could sort it out for us.

I wish Levin would discuss it.

I do know there are a couple-few lawsuits in the pipeline, however.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on October 31, 2013, 07:37:26 AM
Obamacare is a trainwreck, let us count the ways! (http://www.zerohedge.com/news/2013-10-30/10-signs-obamacare-going-wreck-us-economy)

And if my ears didn't deceive me I heard a report this AM where the SCoaMF was bad-mouthing insurance companies for dropping polices...when it is ObamaCare provisions driving the damned drops in the first place!!!

And, now there is this report thay shows the Obama Regime is actively intimidating insurance companies to STFU about ObamaCare provisions causing these problems! (http://www.zerohedge.com/news/2013-10-30/obama-administration-forcing-insurance-companies-keep-quiet-about-obamacare-problems)

Seriously, how f**king stupid do these insurance exec's have to be to be bullied in private to STFU on one hand and then bullied in public for dropping insurance policies becuase of ObamaCare and take this sh*t sitting down?!  If each and every one of them does not speak out they need to go blow their brains out for being such useless statist puppets!!!

How much more of this lying and intimidation do people have to fricken take?

People in this nation are proving themselves to be too stupid to live!

 ::pullhair::
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: LadyVirginia on October 31, 2013, 10:24:18 AM
I think there's merit in the argument. 

But law is a game. So who knows.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on October 31, 2013, 12:00:26 PM
Obama and his merry band of ghouls knew in 2010 millions would be booted off their plans by ODumbshytCare!

http://newsbusters.org/blogs/noel-sheppard/2013/10/31/forbes-obama-officials-predicted-2010-93-million-would-lose-health-pl (http://newsbusters.org/blogs/noel-sheppard/2013/10/31/forbes-obama-officials-predicted-2010-93-million-would-lose-health-pl)

But choom-sucking community organizers with deep muzzie and radical ties of a certain skin shade and of the right political party cannot be guilty of lying or treason, so...sucks not to be him, eh?!
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: warpmine on October 31, 2013, 07:12:13 PM
Obamacare is a trainwreck, let us count the ways! (http://www.zerohedge.com/news/2013-10-30/10-signs-obamacare-going-wreck-us-economy)

And if my ears didn't deceive me I heard a report this AM where the SCoaMF was bad-mouthing insurance companies for dropping polices...when it is ObamaCare provisions driving the damned drops in the first place!!!

And, now there is this report thay shows the Obama Regime is actively intimidating insurance companies to STFU about ObamaCare provisions causing these problems! (http://www.zerohedge.com/news/2013-10-30/obama-administration-forcing-insurance-companies-keep-quiet-about-obamacare-problems)

Seriously, how f**king stupid do these insurance exec's have to be to be bullied in private to STFU on one hand and then bullied in public for dropping insurance policies becuase of ObamaCare and take this sh*t sitting down?!  If each and every one of them does not speak out they need to go blow their brains out for being such useless statist puppets!!!

How much more of this lying and intimidation do people have to fricken take?

People in this nation are proving themselves to be too stupid to live!

 ::pullhair::
If they were run by people like myself, you would hear much in the line of shove it where your friend Reggie puts it you scumbag MoFo
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 01, 2013, 07:21:55 AM
4.7m visits, 6 signees...

http://www.cbsnews.com/8301-18563_162-57610328/obamacare-enrollments-got-off-to-very-slow-start-documents-show/ (http://www.cbsnews.com/8301-18563_162-57610328/obamacare-enrollments-got-off-to-very-slow-start-documents-show/)

Forward!

 ::hysterical::

Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pandora on November 01, 2013, 10:47:29 AM
Centers for Medicare and Medicaid Services (CMS) ... is requesting $803.5 million for operations and management of the Obamacare exchanges ... so that, among other things, CMS can “ensure the integrity of programs that redistribute tens of billions of dollars.”

... and “data mining techniques” to make sure the right people are benefiting from the new system of health-insurance subsidies set up by the Affordable Care Act."

http://www.cnsnews.com/news/article/terence-p-jeffrey/obamacare-fy14-budget-ensure-integrity-programs-redistribute-tens#sthash.PQVJdaJX.dpuf (http://www.cnsnews.com/news/article/terence-p-jeffrey/obamacare-fy14-budget-ensure-integrity-programs-redistribute-tens#sthash.PQVJdaJX.dpuf)

Nothing but a huge wealth redistribution scheme.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 01, 2013, 11:04:24 AM
Forced reparations.

Wars have (and should) begin over such things!

Oh, and CMS are asshats, have peripheral contact with them, even then I feel soiled and become overwhelmed with a sudden desire to beat an asshat senseless...
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 01, 2013, 11:36:18 AM
And the lies just keep coming out!!!

http://www.thegatewaypundit.com/2013/10/white-house-website-still-lying-insists-you-can-keep-your-health-insurance-under-obamacare-video/ (http://www.thegatewaypundit.com/2013/10/white-house-website-still-lying-insists-you-can-keep-your-health-insurance-under-obamacare-video/)

WTF does it take to rise up and crush these National Socialists into mush?!?!?!
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Glock32 on November 01, 2013, 12:47:25 PM
Yeah they're trying to say that "if you like your health plan you can keep it" is still accurate because it's somehow not their doing if the plan providers cancel it. Just more of their legalistic word manipulation, like when Obongo said raising the debt ceiling doesn't cause an increase in the debt.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pandora on November 01, 2013, 02:39:21 PM
Yeah they're trying to say that "if you like your health plan you can keep it" is still accurate because it's somehow not their doing if the plan providers cancel it. Just more of their legalistic word manipulation, like when Obongo said raising the debt ceiling doesn't cause an increase in the debt.

And they're full of sht -- the law as originally written "grandfathered" some existing plans; a little while later, the law was rewritten -- by HHS, I might add, which smacks of illegality -- to stipulate that those plans that could be retained had to comply with the other Obamacare mandates and that any change made (it said "significant" change; yeah, BS)  would render the "grandfathering" moot.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Weisshaupt on November 01, 2013, 02:54:25 PM
Yeah they're trying to say that "if you like your health plan you can keep it" is still accurate because it's somehow not their doing if the plan providers cancel it. Just more of their legalistic word manipulation, like when Obongo said raising the debt ceiling doesn't cause an increase in the debt.

And they're full of sht -- the law as originally written "grandfathered" some existing plans; a little while later, the law was rewritten -- by HHS, I might add, which smacks of illegality -- to stipulate that those plans that could be retained had to comply with the other Obamacare mandates and that any change made (it said "significant" change; yeah, BS)  would render the "grandfathering" moot.


And taxes are paid on a voluntary basis.  You are always free to decide to not pay them.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pandora on November 03, 2013, 12:21:20 PM
Yeah they're trying to say that "if you like your health plan you can keep it" is still accurate because it's somehow not their doing if the plan providers cancel it. Just more of their legalistic word manipulation, like when Obongo said raising the debt ceiling doesn't cause an increase in the debt.

And they're full of sht -- the law as originally written "grandfathered" some existing plans; a little while later, the law was rewritten -- by HHS, I might add, which smacks of illegality -- to stipulate that those plans that could be retained had to comply with the other Obamacare mandates and that any change made (it said "significant" change; yeah, BS)  would render the "grandfathering" moot.

Furthermore (and I forgot to include this previously), also included in this little re-write after the fact, if your insurance plan has been negotiated through collective bargaining, you may keep your plan forever.  Read:  unions, private and public sector.

Remember Trumka and Hoffa blustering all over the "news" about how bad Obamacare was?  Remember a little meeting at the WH?  Haven't heard a damn discouraging word from them since then, have we.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 03, 2013, 12:46:57 PM
Yeah they're trying to say that "if you like your health plan you can keep it" is still accurate because it's somehow not their doing if the plan providers cancel it. Just more of their legalistic word manipulation, like when Obongo said raising the debt ceiling doesn't cause an increase in the debt.

And they're full of sht -- the law as originally written "grandfathered" some existing plans; a little while later, the law was rewritten -- by HHS, I might add, which smacks of illegality -- to stipulate that those plans that could be retained had to comply with the other Obamacare mandates and that any change made (it said "significant" change; yeah, BS)  would render the "grandfathering" moot.


And taxes are paid on a voluntary basis.  You are always free to decide to not pay them.

Just think if tens of millions did that in unison...Darth Obama and all his dark minions would feel a tremor in the force like no other!

 ::thumbsup::   ::praying::
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 03, 2013, 12:48:11 PM
Yeah they're trying to say that "if you like your health plan you can keep it" is still accurate because it's somehow not their doing if the plan providers cancel it. Just more of their legalistic word manipulation, like when Obongo said raising the debt ceiling doesn't cause an increase in the debt.

And they're full of sht -- the law as originally written "grandfathered" some existing plans; a little while later, the law was rewritten -- by HHS, I might add, which smacks of illegality -- to stipulate that those plans that could be retained had to comply with the other Obamacare mandates and that any change made (it said "significant" change; yeah, BS)  would render the "grandfathering" moot.

Furthermore (and I forgot to include this previously), also included in this little re-write after the fact, if your insurance plan has been negotiated through collective bargaining, you may keep your plan forever.  Read:  unions, private and public sector.

Remember Trumka and Hoffa blustering all over the "news" about how bad Obamacare was?  Remember a little meeting at the WH?  Haven't heard a damn discouraging word from them since then, have we.

Yeah, funny that.  Secret deal in the works...something will just magically appear in the regs, and all the Pubbies will do is piss, moan and roll over...
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pablo de Fleurs on November 04, 2013, 05:16:50 AM
You Also Can't Keep Your Doctor
I had great cancer doctors and health insurance.My plan was cancelled. Now I worry how long I'll live.
http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446 (http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446)

Everyone now is clamoring about Affordable Care Act winners and losers. I am one of the losers.

My grievance is not political; all my energies are directed to enjoying life and staying alive, and I have no time for politics. For almost seven years I have fought and survived stage-4 gallbladder cancer, with a five-year survival rate of less than 2% after diagnosis. I am a determined fighter and extremely lucky. But this luck may have just run out: My affordable, lifesaving medical insurance policy has been canceled effective Dec. 31.

My choice is to get coverage through the government health exchange and lose access to my cancer doctors, or pay much more for insurance outside the exchange (the quotes average 40% to 50% more) for the privilege of starting over with an unfamiliar insurance company and impaired benefits.

Countless hours searching for non-exchange plans have uncovered nothing that compares well with my existing coverage. But the greatest source of frustration is Covered California, the state's Affordable Care Act health-insurance exchange and, by some reports, one of the best such exchanges in the country. After four weeks of researching plans on the website, talking directly to government exchange counselors, insurance companies and medical providers, my insurance broker and I are as confused as ever. Time is running out and we still don't have a clue how to best proceed.

Two things have been essential in my fight to survive stage-4 cancer. The first are doctors and health teams in California and Texas: at the medical center of the University of California, San Diego, and its Moores Cancer Center; Stanford University's Cancer Institute; and the M.D. Anderson Cancer Center in Houston.

The second element essential to my fight is a United Healthcare PPO (preferred provider organization) health-insurance policy.

Since March 2007 United Healthcare has paid $1.2 million to help keep me alive, and it has never once questioned any treatment or procedure recommended by my medical team. The company pays a fair price to the doctors and hospitals, on time, and is responsive to the emergency treatment requirements of late-stage cancer. Its caring people in the claims office have been readily available to talk to me and my providers.

But in January, United Healthcare sent me a letter announcing that they were pulling out of the individual California market. The company suggested I look to Covered California starting in October.

You would think it would be simple to find a health-exchange plan that allows me, living in San Diego, to continue to see my primary oncologist at Stanford University and my primary care doctors at the University of California, San Diego. Not so. UCSD has agreed to accept only one Covered California plan—a very restrictive Anthem EPO Plan. EPO stands for exclusive provider organization, which means the plan has a small network of doctors and facilities and no out-of-network coverage (as in a preferred-provider organization plan) except for emergencies. Stanford accepts an Anthem PPO plan but it is not available for purchase in San Diego (only Anthem HMO and EPO plans are available in San Diego).

So if I go with a health-exchange plan, I must choose between Stanford and UCSD. Stanford has kept me alive—but UCSD has provided emergency and local treatment support during wretched periods of this disease, and it is where my primary-care doctors are.

Before the Affordable Care Act, health-insurance policies could not be sold across state lines; now policies sold on the Affordable Care Act exchanges may not be offered across county lines.

What happened to the president's promise, "You can keep your health plan"? Or to the promise that "You can keep your doctor"? Thanks to the law, I have been forced to give up a world-class health plan. The exchange would force me to give up a world-class physician.

For a cancer patient, medical coverage is a matter of life and death. Take away people's ability to control their medical-coverage choices and they may die. I guess that's a highly effective way to control medical costs. Perhaps that's the point.

Ms. Sundby lives in California.

Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 04, 2013, 07:45:57 AM
(http://www.zerohedge.com/sites/default/files/images/user3303/imageroot/2013/10/20131103_obama1.jpg)

http://www.zerohedge.com/news/2013-11-03/obamacare-truth-one-cartoon (http://www.zerohedge.com/news/2013-11-03/obamacare-truth-one-cartoon)
Title: You Also Can't Keep Your Doctor
Post by: oldcoastie6468 on November 04, 2013, 11:16:20 PM
Quote
You Also Can't Keep Your Doctor

I had great cancer doctors and health insurance. My plan was cancelled. Now I worry how long I'll live.

By EDIE LITTLEFIELD SUNDBY
Nov. 3, 2013 6:37 p.m. ET

Everyone now is clamoring about Affordable Care Act winners and losers. I am one of the losers.

My grievance is not political; all my energies are directed to enjoying life and staying alive, and I have no time for politics. For almost seven years I have fought and survived stage-4 gallbladder cancer, with a five-year survival rate of less than 2% after diagnosis. I am a determined fighter and extremely lucky. But this luck may have just run out: My affordable, lifesaving medical insurance policy has been canceled effective Dec. 31.

My choice is to get coverage through the government health exchange and lose access to my cancer doctors, or pay much more for insurance outside the exchange (the quotes average 40% to 50% more) for the privilege of starting over with an unfamiliar insurance company and impaired benefits.

Countless hours searching for non-exchange plans have uncovered nothing that compares well with my existing coverage. But the greatest source of frustration is Covered California, the state's Affordable Care Act health-insurance exchange and, by some reports, one of the best such exchanges in the country. After four weeks of researching plans on the website, talking directly to government exchange counselors, insurance companies and medical providers, my insurance broker and I are as confused as ever. Time is running out and we still don't have a clue how to best proceed.

Two things have been essential in my fight to survive stage-4 cancer. The first are doctors and health teams in California and Texas: at the medical center of the University of California, San Diego, and its Moores Cancer Center; Stanford University's Cancer Institute; and the M.D. Anderson Cancer Center in Houston.

The second element essential to my fight is a United Healthcare PPO (preferred provider organization) health-insurance policy.

{{snip}}

For a cancer patient, medical coverage is a matter of life and death. Take away people's ability to control their medical-coverage choices and they may die. I guess that's a highly effective way to control medical costs. Perhaps that's the point.

http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446 (http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446)
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pandora on November 05, 2013, 10:04:33 AM
Quote
CBS News analysis found that the deadline for final security plans slipped three times from May 6 to July 16. Security assessments to be finished June 7 slid to August 16 and then August 23. The final, required top-to-bottom security tests never got done.

The House Oversight Committee released an Obama administration memo that shows four days before the launch, the government took an unusual step. It granted itself a waiver to launch the website with "a level of uncertainty ... deemed as a high (security) risk."

http://www.cbsnews.com/8301-18563_162-57610797/healthcare.gov-ducked-final-security-requirements-before-launch/?tag=socsh (http://www.cbsnews.com/8301-18563_162-57610797/healthcare.gov-ducked-final-security-requirements-before-launch/?tag=socsh)

H/T PJ Media

"It granted itself a waiver".  Newspeak for "they broke the law".  Again.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 05, 2013, 11:34:35 AM
Quote
CBS News analysis found that the deadline for final security plans slipped three times from May 6 to July 16. Security assessments to be finished June 7 slid to August 16 and then August 23. The final, required top-to-bottom security tests never got done.

The House Oversight Committee released an Obama administration memo that shows four days before the launch, the government took an unusual step. It granted itself a waiver to launch the website with "a level of uncertainty ... deemed as a high (security) risk."

http://www.cbsnews.com/8301-18563_162-57610797/healthcare.gov-ducked-final-security-requirements-before-launch/?tag=socsh (http://www.cbsnews.com/8301-18563_162-57610797/healthcare.gov-ducked-final-security-requirements-before-launch/?tag=socsh)

H/T PJ Media

"It granted itself a waiver".  Newspeak for "they broke the law".  Again.

Who's gonna stop them?  These dem's lie, cheat, steal, break laws left right up down and all around and nobody does sh*t about it!  Should be smoke, fire and BITS already...

Makes me want to just pack up and flash my ass!
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pablo de Fleurs on November 06, 2013, 01:54:47 PM
The Coming Obamacare Bailout
By Peter Ferrara on 11.5.13 @ 6:08AM
http://spectator.org/archives/2013/11/05/the-coming-obamacare-bailout (http://spectator.org/archives/2013/11/05/the-coming-obamacare-bailout)



Taxpayers will have a choice: settle for single-payer or bail out private insurance, which otherwise won’t survive the ravages of Obamacare.

Think back to the fall of 2008. Congress was asked to pass a $700 billion taxpayer bailout for Wall Street. We were told it had to be passed, or else the economy would collapse, perhaps into another Great Depression.

House conservatives voted it down. The stock market fell hundreds of points in response. In the ensuing panic, Congress went along and passed the bailout.

That bailout, and the insane, nearly $1 trillion “stimulus” bill passed just a few months later as Obama’s first act, gave birth to the Tea Party revolution that gave Republicans a 63-seat landslide in the House in the 2010 elections. Voters supported that to stop the run on taxpayer funds.

Next on the horizon is an Obamacare “death spiral” for the private health insurance industry. Taxpayers will now be told a new bailout of hundreds of billions for the private health insurers must be passed, or else private health insurance will go out of business under Obamacare. That would leave the government in complete control of American health care, especially as he who pays the piper calls the tune.

It is called “single payer” by advocates of government-run health care. In plain English, “single payer” means “government monopoly” over health care, more commonly known as “socialized medicine.” That means the government decides who gets what health care, or ultimately, who lives and who dies. For those who think the government is God, such health care socialism is long overdue.

Meaning — spiraling decline in the quality of American health care, the end of investment in new, breakthrough medicine, Sarah Palin’s death panels.

The Obamacare Death Spiral Begins
President Obama sold the idea of Obamacare to its most credulous supporters on the promise that it would mean universal health insurance, with no uninsured. That is what appealed about it to the Left, and to the simple-minded true believers in Obama. But even the Washington establishment Congressional Budget Office scored Obamacare as still leaving 30 million uninsured 10 years after implementation!

But the reality is even worse than that. Because the effect of Obamacare so far has been to increase the number of uninsured, rather than reduce it. Consider recent news reports from around the country:

• Florida Blue terminates 300,000 policies, about 80 percent of its individual policies in the state.

• Kaiser Permanente in California terminates 160,000 policies, about half of its individual policies in the state.

• Independence Blue Cross in Philadelphia cancels 45% of its individual policies.

• CareFirst Blue Cross Blue Shield drops 76,000 individual policies in Virginia, Maryland, and Washington, D.C., over 40 percent of its individual policies in those states.

• Insurer Highmark in Pittsburgh sends out termination notices for about 20% of its individual policies.

The Weekly Standard summarized the impact last month as likely to total 16 million terminated individual policies, out of a total individual market of 19 million policies. So more than 80% of the health insurance policies individuals buy directly by themselves would be terminated as a result of Obamacare.

But the great majority of health insurance pre-Obamacare came through employer-provided health coverage. The Obamacare wrecking ball, however, is terminating health insurance there too. CBO scored Obamacare as causing as many as 20 million workers to lose their employer-provided health insurance. Former CBO Director Douglas Holtz-Eakin estimated double that, or 40 million, in a study for the American Action Forum.

But even that does not match what Obama knew would happen back in 2010 when Obamacare was passed. Section 1251 of the Obamacare legislation includes the “grandfather” provision that is supposed to allow people to keep their current health plan if they like it. But on June 17, 2010, Obama’s own Department of Health and Human Services (HHS) published a notice in the Federal Register saying, “The Department’s mid-range estimate is that 66 percent of small employer plans and 45 percent of large employer plans will relinquish their grandfather status by the end of 2013.” That adds up to 51 percent of employer-provided health insurance plans that would become illegal and terminated under Obamacare. Counting both the employer provided and individual health insurance markets, Avik Roy of Forbes calculates that means that altogether 93 million Americans will lose their health insurance under Obamacare.

President Obama promised over and over that if you like your health insurance you can keep it, in selling his Obamacare snake oil. The ringing declaration was, “If you like your health plan, you will be able to keep your health plan. Period. Nobody will be able to take that away from you.” But now Obama derides the millions and millions of terminated policies as substandard in not meeting the Obamacare regulatory requirements. In other words, his much repeated promise to the American people is now revised to proclaim: If Obama likes your health plan you can keep it. What a sad egomaniac for suckers not only to elect but reelect as President.

Moreover, now we know that Obama knew that this pledge to the American people, which he has continued to repeat over and over since 2010, was false from the beginning.

The Obamacare Death Spiral Crash and Burn
President Obama also promised repeatedly that Obamacare would reduce the cost of health insurance for families on average by $2,500 per year. But as with everything that government promises, Obamacare is having just the opposite effect, as another Obama pledge to the American people is proven false.

Avik Roy in a report for the Manhattan Institute estimated that the new Obamacare policies being offered on the Exchanges involved increased insurance premiums of 99 percent for men, and 62 percent for women. But that finding was more recently superseded by a new study by economists for the American Action Forum concluding that the Obamacare premium increases for individual policies on average amount to 260 percent for men and 193 percent.

Obamacare advocates are quick to point out that Obamacare includes tax credits to offset some of these premium increases. But for most people, those tax credits will offset only a fraction of these increases. Many people, singles making over $46,000 and families making only somewhat more, close to half the country at least, will not be eligible for these credits at all. Even those just above poverty will not see all of the increases offset.

This is what people are facing who lose their coverage and turn to the Obamacare Exchanges to find a new plan. And this too was known and predicted by opponents of Obamacare from the beginning. It’s a no-brainer that all the “free” benefits mandated by Obamacare were going to increase the cost of health insurance premiums.

Then there are the Obamacare regulatory requirements of “guaranteed issue” and “community rating.” Those requirements mean that no matter how sick and costly a new applicant for health insurance is when he first shows up, the health insurance company must issue a new policy to them covering everything at standard rates.

That is like requiring fire insurance to issue new homeowner policies to those whose first call comes when their houses are already on fire. The insurer must cover them and can charge no more than the standard rates that apply to everyone else. Of course, those standard rates must soar to ensure that the insurance company will have enough money to pay for an insurance pool covering all burnt down houses, because as the standard rates explode, no one is going to buy fire insurance until their house catches fire.

Those very guaranteed issue and community rating requirements will further contribute to the final crash and burn of the death spiral. When people see the costs of the new replacement Obamacare insurance, healthy and low cost customers are going to react the same way that George Schwab of North Carolina did when interviewed by NBC News. He liked his insurance plan from Blue Cross Blue Shield, which insured him and his wife for $228 a month. But his plan was recently cancelled (Obama did not like it). The insurance company offered him a “comparable” plan costing $1,208 a month, with an annual deductible soaring to $5,500 a year. The best alternative he could find on the Exchange charged a deductible of $948 a month, more than four times what his previous plan cost. He told NBC, “I’m sitting here looking at this, thinking we ought to just pay the fine and just get insurance when we’re sick.”

You can bet, though, that everyone who is sick with costly illnesses like cancer, heart disease, or diabetes will pay to get the insurance. Just like everyone whose house catches fire would analogously sign up immediately for fire insurance.

This problem is made even worse by the difficulties of working with the online Exchanges. Those who are healthy and low cost and just checking out prices will be quickly discouraged by the dysfunctional Obamacare website. But those who are sick with costly illnesses will persevere (as if their lives depended on it, which they may) until they succeed in getting coverage.

Moreover, as John Goodman, president of the National Center for Policy Analysis, points out in his highly insightful health policy blog, waves of the sickest and most costly are now swamping the insurance offered on the Exchanges. That is because state and federal High Risk Pools formerly serving these sickest and most costly are officially closing now, expecting Obamacare to pick them up. Moreover, government and private employers are in the process of dumping retirees they formerly covered on the Obamacare Exchanges as well. Sick and costly employees sticking with their current employers only for the health coverage because they would have costly pre-existing conditions for any new insurer are also in the process of leaving for new opportunities because they are assured of new coverage under Obamacare.

Even worse, the soaring premiums on the Obamacare Exchanges were calculated by health insurers on the assumption that the individual and employer mandates would succeed in forcing everyone to buy health insurance, the healthy and low cost as well as the sick and high cost. But with 93 million Americans, more than half of everyone with health insurance pre-Obamacare, losing their health coverage under Obamacare, and facing the incentives described above, the covered health insurance pool will not come remotely close to covering everyone, with the healthy, younger, and low cost being exactly the ones to drop out, and evade the mandates.

The pool the insurers end up covering, then, will be a lot more like the pool of all burnt down houses for fire insurers discussed above. The premiums the insurers receive from this adversely shrunken pool will not remotely cover the costs of that pool. Hence they will be facing bankruptcy next year, absent another taxpayer bailout of hundreds of billions. So the choice will be that, or socialized medicine, including the government death panels we see in every other country weighed down by this “enlightened” last century albatross.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Pablo de Fleurs on November 08, 2013, 04:48:48 AM
(http://i226.photobucket.com/albums/dd27/gablabs/2013%20Blog%20Art/TerroristAtWork__zps0e170d1e.jpg)
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 08, 2013, 07:53:03 AM
Ouch!  That'll rankle some folk in NYC...

Not a bad analogy though...
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: RickZ on November 08, 2013, 08:04:43 AM
Ouch!  That'll rankle some folk in NYC...

Not a bad analogy though...

I think it's in poor taste, having watched that day live, in person, with my own eyeballs.  Let me know when we use images of Pearl Harbor to knock OwebamaCare.
Title: Re: Interesting - www.icouldntkeepmyplan.com
Post by: Libertas on November 08, 2013, 08:32:11 AM
Ouch!  That'll rankle some folk in NYC...

Not a bad analogy though...

I think it's in poor taste, having watched that day live, in person, with my own eyeballs.  Let me know when we use images of Pearl Harbor to knock OwebamaCare.

I understand.  I would not have done that myself, but I can understand how one could tie the motivations of murderous muzzloids to the motivations of psychotic progressives.  As I say, I would not have done it myself, but free speech is free speech for everyone...even if it is in poor taste.